vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: DC

Complaint narrative:
Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
As of XX/XX/XXXX, the complaint that I had filed with GVA holdings via CFPB was closed after GVA agreed that my account was closed as a " courtesy to me. '' Today, XX/XX/XXXX, I have discovered that {$100.00} was pulled from my account again and when I called they claim there are no notations on my account and that I am to pay till MAY! I sent them a copy of what they had responded and await a response. In the meantime I am $ -XXXX overdrawn and this should not be.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC
State: OK

Complaint narrative:
Student Loan : XXXX XXXX ( XXXX XXXX and XXXX ) My student loan was originally XXXX in 10 years it is now XXXX dollars. I was never made aware of the interest that it had accumulated throughout the years. They filed a garnishment against me 6 times and even garnished my bank account, while a payment was already settled in court. It has brought me to change jobs, financial difficulties, almost evicted, lights shut due to the garnishment in my bank account twice. They failed to get a hold of me even after I asked them if there is another student in records. They even attempted to take hold of property, which I do not even own. I was never aware of a lot of things when they attempted to garnished. I was never provided any documents as to why I owed such a large amount. Back in XX/XX/XXXX & XX/XX/XXXX I was served at home with documents to show up to court, but at that time I was in school. My student loan was made on XX/XX/XXXX & 2008. I was confused as to why I was served with an XXXX debt in XX/XX/XXXX & XX/XX/XXXX? Please help, this has caused me XXXX and stress. 

My hopes are my case will be part of the action lawsuit that was issued against them on XX/XX/XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
cant give me information ... chargered me XXXX, cant cxl subscription. my credit score dropped 65 points in one shot and no one can tell me why ... Its a joke

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: First Data Corporation
State: MD

Complaint narrative:
On XX/XX/XXXX I noticed an unauthorized charge for {$60.00} something from XXXX. On XX/XX/XXXX two more charges were made at XXXX one for {$240.00} and the other was {$21.00}. I called XXXX/XXXX XXXX that same day and they said they would submit a dispute for me but that I should call XXXX to try and get more information. XXXX told me they had no information available. On XX/XX/XXXX there was another charge from XXXX for {$40.00}. I called XXXX again and they told me to call XXXX again. I did that and XXXX told me XXXX needs to handle this. I have submitted various disputes via email, fax and regular mail to XXXX yet they keep saying they never received my disputes. When I call XXXX, I am placed on hold for over 30 minutes and then when I get to a representative, they tell me the dispute department is disclosed. XXXX is also charging me fees for ATM withdraws that they tell me are free. I have asked for my account to be closed and they say they ca n't but that they will send me a new card yet I never get the new card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
This complaint is to inform you that I recently viewed my credit report and noticed a collections account from Trident Asset Management on my credit report. I have n't been notified of this collection. On XXXX XXXX, 2017, I sent a certified, return receipt, Debt Validation letter to Trident Asset Management. I advised them that I recently viewed my credit report and noticed a collections account from their company and I have n't been notified of this collection. I stated that this did not imply that I refused to pay this alleged debt. Rather, I would like to dispute their claim. As per the FDCPA, I have the right to request a validation of this debt. I requested for them to prove that I am indeed the party who is by contract obligated to pay off this debt. Reporting any invalidated information to major credit bureaus may constitute defamation of character as a negative listing on my credit report does not allow me to enjoy the benefits of good credit. Non compliance of this request Is likely to put their company in serious legal trouble with the Federal Trade Company ( FTC ) and other statewide agencies. 

I requested that they send me the following documents : 1. ) Agreement with their client that authorize them to collect on this alleged debt. 
2. ) Agreement that bears signature of the allege debtor wherein promises to pay the creditor. 
3. ) Complete payment history on this account to prove that the debt amount they wish to collect is correct. 


I receive a letter from them dated XX/XX/17 advising that I have 30 days to dispute the validity of the debt. The following week, I received a copy of an old XXXX bill from Trident Asset Assessment. An old bill does n't validate and/or prove that this alleged debt is mine. I 've since sent a method of validation letter to the credit bureaus. I 've requesting the information used to " validate '' this alleged debt as a copy of a bill does NOT validate a debt. 

Under the FCRA 15 U.S.C. 1681i, all invalidated accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the validated proof then they must remove these accounts from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc.
State: NJ

Complaint narrative:
SIMONS AGENCY continues to harass me by reporting unknown medical debt to all 3 credit bueaus they add several small value allelged debts they hang up on you when you call them I have no knowledge of these bills this is obviously fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma, LLC
State: DC

Complaint narrative:
XXXX is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with CFPD ( Complaint Number XXXX ) against Transunion regarding inaccurate reporting of information on my credit report. More specifically, reporting 30 days late on my XXXX account for the month of XX/XX/XXXX. At that time, I provided correspondence from XXXX indicating that the month of XX/XX/XXXX should be reporting as current. 

On XX/XX/XXXX, I received information from CFPD wherein Transunion responded we have removed the XX/XX/XXXX late payment history from XXXX XXXX # XXXX. 

On XX/XX/XXXX, I pulled my report from XXXX and in fact Transunion did update this account to current. 

On XX/XX/XXXX, I pulled my report from XXXX and Transunion has reinserted the 30 days late status and they are now once again reporting this account with inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AK

Complaint narrative:
In XXXX of 2017, as a result of having sent a voluntary Public Service Loan Forgiveness ( PSLF )  employment certification form, my federal student loans ( $ 100k+ ) were transferred to XXXX XXXX. It took several months to complete the transfer, resulting in several months of payments that I could not make and could not receive credit for qualifying payments under PSLF, all while accruing interest. Once XXXX XXXX had set up my account, they had set it up incorrectly, not giving me credit for 12 months of eligible payments toward PSLF. I spoke with a customer service agent who acknowledged the errors made in my account and assured me that it was a result of " rushing '' to get my account set up and that it would be corrected. Now, 6 months later, while I have had my monthly payments auto-debited every month, my qualifying payments toward eligibility for PSLF has not been corrected, and has not been accruing as these payments are made. For 60 days I have been trying to reach a customer service agency at XXXX XXXX to no avail, when I call there is an automatic message saying to call back another time, their online chat feature is unavailable, and I have received no response to email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was a victim of the Inquiry issue with Transunion. I contacted them and asked to please remove the Inquiries from my credit report and they did nothing to assist me. This was today XX/XX/2018 Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I opened a XXXX XXXX credit card with Bank of America in XXXX XXXX, which I 've never used. The card has a annual fee of {$20.00}. Between XXXX XXXX and XXXX XXXX I moved apartments, my official move in date was XXXX XXXX, XXXX. From XXXX XXXX XXXX Bank of America sent annual fee statements to the incorrect address. Finally, once I noticed the late payment on my credit report I contacted BOA and updated my address and immediately made a payment. I was originally told there should not be an issue getting this removed, but I 've made countless attempts to dispute this both through BOA and the credit bureaus to no avail. About 1-2 months ago I was told by a BOA representative that there was nothing they could do about this and I needed to directly contact each credit bureau. After speaking to a customer service rep at one of the credit bureaus I was notified that I should have never been directed to them and this is an issue that needs to be handled thru BOA. After several disputes, including one through XXXX which has an option to dispute via XXXX XXXX for statement sent to incorrect address please remove late payment, the only thing BOA continues to do is verify that the late payment is correct and no removal is made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Every time i receive a XXXX update and try to dispute an item online ; access is denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX Account # XXXX I have asked the credit grantor for verification that this is my account and have been unable to receive it. I did not apply for this account. I need it removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Yes, on XX/XX/XXXX, I sent a Goodwill letter to the CEO, XXXX XXXX XXXX, I explain to him that I was in a consolidation program back on XX/XX/XXXX, and my payments were being made on time, from the time that I started the program I received notices from the XXXX XXXX that my balance was XXXX, I was told during the program that for 1 year I would not own any money for my student loan, I never heard anything from the company that I did the consolidation with so that I could renew the program after that year. I received another statement from the XXXX XXXX XXXX, and it showed that I owed around {$750.00} for a monthly payment, well I was in shock, I tried reaching out to the consolidation company, but with no luck, they had went out of business, I reach out to another company, but in the mean time I was going into default with my Student loans. I sent the CEO a good will letter, because me and my husband want to purchase our first home in XX/XX/XXXX, I poured my heart out to him regarding the situation at hand, now I know that plenty of people have sent goodwill letters regarding their student loans reporting late on their credit reports, and the late payments were removed from their reports. I really need this because, we may not have a chance of purchasing a home with this showing on my credit reports. I received a letter back from supposedly the CEO, XXXX XXXX XXXX, and they refuse to remove it, now if your going to do it for other people, why could n't I have mines remove as well, I 'm not trying to get out of paying, I have joined another consolidation company, and my loans are being paid as suppose to as of this date, I was just asking for a little help to get my credit looking better, I do have the letter that was sent to be regarding their decision to not honor my request, I guess what I 'm saying is show favoritism for others and if you wo n't help someone who took the time to send a Goodwill letter to you regarding needing help so my family and I can become home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
around the time of XXXX XXXX of 2017 i noticed that someone was writing fraudulent checks on my WELLSFARGO bank account and a check was being deposited that sent my account to negative XXXX dollars and when i noticed that my account was in the negative and i have n't done anything to cause my account to over draft i called to dispute the transaction they told me to take my claim number and they will get back to me they called 2 months after they called saying they denied my claim because the person that deposited has made deposits to my account prior to this transaction but i told them that was n't possible because i am in south Carolina and the deposit was made in new jersey. customer service really didnt try to help me defuse the problem just sent my account into a collection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that XXXX, XXXX and Transunion remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my credit report, I found that my account had a medical obligation from XXXX  XXXX XXXX, XXXX for {$210.00}. I am very aware of any payments that are due and make timely payments, so I was shocked to see this account. 

I do not recall any contractual relationship I had with this organization and all of my medical bills are normally paid by my insurance. 

In my attempts to find out more from this organization, I found out that this company is not bonded in the state of Texas according to Section 392.101. It prohibits a third party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the office of the Secretary of State. XXXX  XXXX XXXX state that they are associated with another company but no designation of this fact is shown in the State of Texas database. Also the company failed to provide information supporting their claim. 

According to the FDCPA, the organization is to validate the debt, but I have not received the documents necessary to prove that this organization is owed the alleged obligation. I 've tried to work this situation out with the third-party collector and no information was forwarded. I needed to see an Exclamation of Benefits ( EOB ) and also a signed document showing proof of services provided to me. XXXX XXXX XXXX, XXXX failed to provide the information but it in violation by ruining my credit by putting on my credit report an unsupported tradeline. I tried to get information from this organization via the Better Business Bureau and received no information to this date. 

I request that Experian, XXXX and XXXX remove this tradeline from my credit report as the organization in question has not provided information to support their claims of indebtedness, collection, or ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation