vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
When I tried to send money from a gaming app I use XXXX XXXX to PayPal. PayPal refused to accept the payment of {$2.00} stating that I had violated the terms and conditions and they have permanently suspended my account of {$3.00}. 
Near as I can tell it is for carrying a balance which their terms and conditions say you can't do. 
This makes no sense to me because why issue me a debit card to remove money from my balance. 
Also how can you transfer money if you can't move it to them and then transfer it to where it goes. 
I wrote to them and they sent me a link that I can't access as it states that they are having a internal server problem. 
I can't copy anything on PayPal as they block all screenshots. 
If you read their terms and conditions you will see that no one can use their service without violating this term that you can't carry a balance. If everyone is in violation then they should shut down their operations and refund everyone their money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.A.Rogers, Inc.
State: AZ

Complaint narrative:
I had an auto loan with the original creditor XXXX XXXX XXXX, that was sent to the collection agency, R. A. Rogers , Inc. I have been making payments to the collection agency for quite some time now, and recently requested a payoff amount to try and finalize the collection. They sent me the payment letter in XXXX stating " We are approved by our client to offer {$4100.00} which is due in our office by XX/XX/2022. Upon receiving a cleared payment of this settlement offer, we will notify our client that your account has been satisfied in full, and that you no longer owe on this debt. '' On XX/XX/2022 I made the payment in total of {$4200.00}. However, I then got a call from R. A. Rogers , Inc. stating that they can not accept the payment, as it is now {$2500.00} more to pay off. I wasn't sure if they could do this or really what to do so it has been going back and forth between the company and myself, I have asked around about this as well as speaking with a free consultation attorney that directed me to file this complaint to get assistance in addressing this. I was told that with the offer letter and my payment being made BEFORE their deadline, that they can not change the settlement amount and must accept the payment on their letter. To try and deal with this without having to go this far, I then contacted the Original Creditor, XXXX XXXX, to explain what their collection company is saying to see if they can contact their collection agency and advise them to take the payment. However, XXXX XXXX told me that they can't help, as the collection agency is completely separate from them. There's nothing they can do. So as I submit this complaint on XX/XX/2022, we have still not yet passed the payment due date for this offer. They claim they are sending me my payment back because they can't accept it due to the payoff needing {$2500.00} more than their payoff letter stated, yet I have also not received anything despite it being about 2 weeks since that claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: GA

Complaint narrative:
The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
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 non-monetary relief
Consumer complaint received 2022-03-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
The account listed has fraud on the contract, full disclosure was not made to me, the consumer. Proof of claim affidavit was mailed via register mail XXXX but no reply. 
XXXX. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: SECURITY CREDIT SYSTEMS INC
State: MD

Complaint narrative:
Security Credit Systems IncXXXX called me and my place of employment on XX/XX/XXXX about a student loan with XXXX XXXX University that was already dealt with ( via loan consolidation with XXXX ) in XX/XX/XXXX. They not only called me at my work number, they called a co-worker, and the front desk at my job and asked to speak with HR. I called them back and they were very rude, threatening, and predatory. They told me that I have this on my credit report and that i need to make payment today. When I told them that I would like to look into the matter myself before sending payment, by pulling my own credit report and contacting XXXX, they told me that my offer would not be valid if I did not call them back tomorrow. They claim that I owe them {$11000.00}. I pulled my credit report and did not see that debt listed. I also called XXXX and they confirmed to me that the debt was consolidated successfully back in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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: IA

Complaint narrative:
I applied for XXXX in XXXX. Yesterday I finally received a count of qualifying payments, and it is only XXXX of XXXX. By my count I have nearly XXXX payments that should qualify. I don't know how they could get it so wrong. There are entire years they are not counting. The letter mentions the waiver at the top, but the entire rest of it is full of pre-waiver information and processes. Anyone reading it without knowing extremely detailed information about the waiver from their own research would read the letter and think that is the end of the road. The only option on the letter is to call if you disagree. I waited on hold XXXX hrs last night, they finally answered and said they have nothing to do with the waiver, all of that is handled by XXXX. of XXXX. They said they are not allowed to talk about the waiver terms nor mention it in their letters as it has nothing to do with their company. They stated that " they have heard '' that there is supposedly a XXXX review coming for those that have XXXX qualifying payments by XXXX of XXXX XXXX " at some point before XXXX ''. Their letter does not say anything about a XXXX review, it was all verbal. And, they have undercounted my payments to XXXX XXXX that I don't have XXXX per their count, so I won't even qualify for the XXXX review by XXXX. of XXXX, if there even is XXXX! I knew the process was broken, I had no idea it was this broken. I attempted to file a complaint, but could not get any confirmation number or ticket number for the complaint, even after going to a supervisor. They agreed to send me a letter documenting my concerns, but when they sent the letter it is boilerplate text that does not address me at all, and restates the same wrong counts. I need help getting them to tell me the truth, state the process clearly, count my payments correctly, and pass my file on for the XXXX review they say I am not eligible for because they have miscounted my payments. I thought everyone was eligible, isn't that the whole point of the waiver? What is the point of submitting through FedLoan if they are not going to follow the terms of the waiver anyway? Why not just submit directly to XXXX XXXX XXXX for review? FedLoan should be forced to update their letters to reflect current realities of the XXXX waiver. Their letters and website are extremely misleading and send the message to everyone that the waiver never happened. Also, the only option to contact them is by phone. The agent complained to me they are getting XXXX calls per hour. Well, if their letters were more informative and accurate, so many people would not need to call! And, they have turned off the chat function on their website, and don't respond to emails, I have sent them XXXX in XXXX weeks with no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Senex Services Corp.
State: NJ

Complaint narrative:
I received a notification that I owed {$440.00} to a Hospital in XXXX Missouri. This was on XX/XX/2019. I asked the collection company Senex Services CorpXXXX of XXXX Indiana to give me documentation for their claim that I owe {$440.00}. I have heard nothing from Senex. I do not owe this, but they reported it on 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 2022-03-10 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a validation letter to Midland Credit Management on XXXX XXXX, 2022 attached below under Midland Validation letter. Their response was to only send an invoice of an amount they claim I owe them. I have already disputed the account with the original company ( XXXX ) that the debt does not belong to me ( attached below ) as this company does not have the correct address on file. So why are midland still reporting on my credit report, as they have provided no proof this credit belongs to me, I did not sign any paperwork, and are reporting inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I received a letter in the mail stating there was an account trying to be opened in my name and then the next day I received an alert on my credit saying Wells Fargo had opened an account in my name. 
I called the Wells Fargo fraud department and they were not any help at all. 
They said they would get back to me after an investigation. 
I dont think they were considerate of how serious this really is.

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 2022-03-10 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
To date, I, a qualified consumer in/from New York state , due to new discovery ; I am an injured party/woman that has been and is being damaged by Navient Solutions , LLC XXXX XXXX XXXX listing inaccurate information on my credit reports containing erroneous school loan debts amounting to {$50000.00} ; It is my understanding Navient has entered into a CONSENT JUDGMENT with the United States Courts, and agreed to cooperate with the Signatory Attorneys Generals, New York Attorney General being one of them. ( My state ) ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act on XX/XX/XXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act on XX/XX/2020 XXXX XXXX XXXX, Acount # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-03-10 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: EQUIFAX, INC.
State: DE

Complaint narrative:
This complaint to Equifax was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 

Late open : XXXX XXXX XXXX Balance : {$140.00} XXXX-60days ; XXXX-30days Collection : ( Original Creditor : ) XXXX Balance : {$92.00} Inquiries : XXXX Date of inquiry XX/XX/2020 XXXX XXXX  Date of inquiry XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: FL

Complaint narrative:
On XX/XX/2022, I sent XXXX a letter asking them to provide me with legal documents to validate this alleged debt that they are reporting on my reports. I never received a dunning letter from them, and they completely ignored my letter. I am not responsible for this alleged debt, I never did any business with XXXX ( XXXX XXXX ). 

I need them to close this account in their office and delete them in my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES
State: TX

Complaint narrative:
A debt collector sue me because i owe XXXX XXXX an amount of XXXX $ and they send me a citaion on XX/XX/2022 with amount of XXXX $ and i called then to discus the payment options, i told that i can make a monthly payment of XXXX $ monthly and they refused that amount even if i said that all what i can afford because i have another bills i need to pay too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-03-10 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: AR

Complaint narrative:
I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.

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 2022-03-10 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am a victim of identity theft. I am very upset that my personal information was used without my consent or knowledge. I have requested in writing to the credit bureaus that they remove these unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation