vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I was recently received in the mail a notice of oral deposition in aid of execution filed by Midland Funding LLC. I do not owe this company anything. I never received any communication from them until this notice. I filed an identity theft report and mailed them a letter. I will also file a motion to vacate the judgement. This company is attempting to collect this debt that does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AmeriCollect
State: SC

Complaint narrative:
According to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Americollect Inc. via the CFPB case number XXXX on XX/XX/2022. ( attached ) In the process of the disputed amount of {$510.00} ( totaling 4 accounts. ) Americollect Inc flagged my credit files on XX/XX/2022 for {$450.00} ( 1 of the 4 accounts. ) Please be advised that prior to my initial complaint on XX/XX/2022 Americollect Inc ignored my certified validation notice and their accounts were not reporting to my credit files. 

on XX/XX/2022 and XX/XX/2022 Americollect Inc., violated my H.I.P.P.A rights with itemized statements from XXXX XXXX XXXX XXXX containing my private medical information. I have not received any medical services from Americollect Inc. I am not a party to their agreement with XXXX XXXX XXXX XXXX. 

The itemized statement supplied by Americollect Inc was delivered before it was requested. ( Proof provided in Americollect Incs letter dated XX/XX/2022 ) Due to the business relationship with Americollect Incs medical clients ( stated by XXXX XXXX XXXX Americollect Inc uses unverified processes to violate consumers such as myself. 

I have not received any statements ( an unmarked envelope with XXXX XXXX XXXX XXXX, WI XXXX ) as stated in XXXX XXXX reply via the CFPB portal. Instead Americollect Inc flagged their account on my credit files. Americollect Inc did not supply contact information from XXXX XXXX XXXX XXXX or state why a debt was owed directly to Americollect Inc instead of XXXX XXXX XXXX XXXX. 

Americollect Inc did not request the three major credit bureaus to update their records to reflect my dispute, instead my credit files were flagged in the process of the dispute. 

I was unaware of a medical balance with XXXX XXXX XXXX XXXX. As stated in my complaint. I have contacted XXXX XXXX XXXX in the medical billing department of XXXX XXXX XXXX XXXX. 

Please see the attached itemized medical statement provided by myself with payment receipts. Americollect Inc are not holders in Due course please cease and desist. 

I will keep the CFPB updated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: CA

Complaint narrative:
i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from transunion or XXXX. also the dates do not match up. I would like this removed from both these companies. thank you

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 2022-10-09 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX Experian ; Complaint # XXXX XXXX ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

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 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-10-09 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX XXXX ; Complaint # XXXX Transunion. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

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 2022-10-09 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I filed 3 separate complaints about inaccurate information on my consumer report on XX/XX/2022, Complaint # XXXX XXXX ; Complaint # XXXX Equifax ; Complaint # XXXX XXXX. All 3 of the mentioned CRAs have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). Furnished information to CRAs about severely delinquent or charged-off accounts but failed to furnish Dates of First Delinquency ( DOFDs ) for those accounts, in violation the FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) Under the FCRA, the updates have not been completed within the 30 days that are allotted before CRAs are in violation of the FCRA. Due to the lack of prompt action and continued inaccurate and/or not complete information continuing to be furnished on my consumer report, I am requesting the specific updates and deletions. Please see my instruction in the resolution section

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
this account has been billed two times in one month on two accounts this month why i printed the statement to show that they also gave me a credit from my account using my funds to do so and charged me over ate fee when they used my funds for credit from my account i printed this statement as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have tried to contact the credit card company Express at the fraud line XXXX on XX/XX/2022 and again on XX/XX/2022 and I can not get anyone to help me dispute the fraudulent charges. I also made sure to report the card as stolen. They keep charging me intrest on the two fraudulent purchase made on XX/XX/2022 for XXXX and another on XX/XX/2022 for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
MOHELA is grossly mishandling the PSLF eligible payment processing of individuals who have applied for the limited service waiver. My fully signed, fully completed PSLF form was sent by certified mail in XXXX of XXXX. XXXX XXXX sent me a letter back in XXXX of XXXX saying they had my form and were certifying my employment to check eligible payments. In XXXX of XXXX, I received a letter saying my employment was eligible. My account was sent to MOHELA as I was found to be eligible, but MOHELA is only showing my and many other people as eligible ONLY since XXXX of XXXX. This corresponds with NOTHING on the PSLF form that I ( and I assume others submitted ). I have been at the same eligible employer for longer than that! MOHELA will not respond to emailed complaints through their own site to correct the issue, even though their site claims they will respond. When form status is checked, they claim they have not loaded the form into their system, and it could take up to 30 days, but they have on their site the letter that says the loan service has had my form for months. They are doing this to many, many people and I believe are purposely mishandling the issue to try and claim people aren't eligible by the XX/XX/XXXX limited PSLF waiver deadline. Please see the XXXX thread here, where folks are all complaining about the arbitrary XX/XX/XXXX eligible date for payments that has nothing to do with what they filed. https : XXXX This is gross negligence with a waiver deadline looming. MOHELA is going to cheat people out of loan forgiveness by intentional negligence. There's no reason forms that have been filed for months are not loaded/evaluated. We're not last minute filers. And there's no excuse for simply not responding to written complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: CA

Complaint narrative:
i had bankruptcy on my account however they have been removed. I have disputed with the companies and it was removed from my XXXX report however it has not been removed from XXXX or Experian. also the dates do not match up. I would like this removed from both these companies. thank you

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 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
Im a victim of identity theft and Ive reported these claims its my bank and filed a police report. My account was compromised and my money was stolen. The bank has denied my claim and refused to give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

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 2022-10-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report under 15 USC 1681 a number 3. 
" XXXX XXXX '' added late payments to my account that was false even added an extra month of late payments. 
Equifax assumed this role without permission not only that they did not have my consent. Equifax did not respect my right to privacy which is under 15 USC 1681 a number 4.

Equifax did not exercise grave responsibility, they were unfair, they were partial.

Im taken the liberty to file a CFPB report and an attorney general 's complaint.

Equifax never had a permissible purpose Under 1681 b number 2. 
I never instructed those guys to furnish this report and I never consented to this report in the first place. 

( XXXX XXXX added late payments to my account that was false even added an extra month of late payments )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a checking account at Wells Fargo recently. Currently the bank tells me I have {$2700.00}. in my account. I wanted to do something online on XXXX  XX/XX/22 and I was unable to read my account online. When I called Wells Fargo they informed me there was some kind of " fraud '' going on, however, they refused to tell me the particulars and eventually cancelled my card. I actually was issued two debit cards, but neither one worked. 

I am in assisted living and I will be XXXX in XXXX and naturally I do n't drive. I can't get to the bank and therefore I have NO MONEY. They get irritated when I call, but express no empathy for my situation. It is necessary for me to order my groceries online and without a debit card that is not possible. 

I have called that bank at least 10 times, trying to understand why my debit card is blocked. At first they told me my debit card would work, I just couldn't read my account online. Now they are not even pretending that my card is not blocked. 

Wells Fargo is stealing my money and nobody will do anything about it. Thanking you in advance, XXXX XXXX XXXX XXXX My rent is due and I can't pay it.

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 2022-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I am Co-signer on two Private Student Loans that Navient bought from Sallie Mae prior to XXXX. I filed Bankruptcy in XXXX and got discharged approximately XX/XX/XXXX. I started repayment and these loans became part of a Class Action Lawsuit against Navient in which they were put on non-payment status for approximately 2+ years. The Loans were removed from the lawsuit and repayment started up in XX/XX/XXXX with no explanation. I contacted the Michigan Attorney General as Michigan Residents were part of the Class Action lawsuit. I was given XXXX XXXX as the Firm that had oversight and could tell me if I was on the list. I was informed that I was not on the list and after explaining my situation the Rep said I may have been missed and because I wasn't on the list did not mean I do not qualify for complete Loan Forgiveness. 
I went to www.NavientAGSettlement.com and noticed it spoke of low credit scores as a Qualifier. That was the reason I filed for Bankruptcy in XXXX due to low credit scores and inability to pay debt in which these private loans I Co-signed were part of the Bankruptcy. When the Loans started back up in XXXX I was informed by Navient Customer Service that they did not have any data as to why the loans re-instated and not canceled. I was informed by Michigan AG Office and XXXX XXXX to file a complaint with CFPB to get to the root of this matter as to why the loans were not canceled after reading information on www.Navientclassaction.com which addresses my situation and I do not understand why these loans were not canceled. It appears to me that Navient is selectively choosing who to cancel Loans for based upon some discriminatory criteria and not the criteria stated on their Wedsite. Navient has sent me emails offering to match my payments which I do not understand because this seems to be a compromise becasue the loans should have been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: KY

Complaint narrative:
In XXXX of 2022 The Vehicle owner Left the Vehicle On the side of the road because said vehicle was inoperable due to a Car accident. The owner of the Vehicle was Unemployed at the time and could not afford to have the Vehicle towed. The Financial company Repossessed the vehicle and is still Charging my account effecting my Credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Dave Operating, LLC
State: CA

Complaint narrative:
Dave advertised to pay {$40.00} to me and my friend if I used a referral link to create an account and take a loan. On XX/XX/XXXX I created an account using the link and took out a loan, Dave refused to honor the advertised promise. 

When I created the account I was told I would receive a months free trial, but I was billed on XX/XX/XXXX. 

In XXXX I requested my account be closed. On XX/XX/XXXX Dave charged membership fees to my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09 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: DE

Complaint narrative:
In accordance with the fair credit reporting act XXXX for account number 1.Department of Education acct XXXX XXXX 2.XXXX XXXX  acct # XXXX 3.XXXX acct # XXXX XXXX. XXXX acct # XXXX Has violated my rights 15 USC 1681 section 602a states I have the rights to privacy 15 USC 1681 604a section 2 consumer reporting agency can not purchase account without my written instruction.

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 2022-10-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I opened a dispute with several accounts with Experian explaining that I didn't authorize the transactions. They then updated my credit profile with no resolution or change on XX/XX/2022. They are in violation of 15 US Code 1681I - Procedure in case of disputed accuracy. Their investigation was done in an improper manner. They didnt reach the right results. They left me with false credit reporting. I asked them to provide me with whom you talked to at these companies and to provide me with original credit documents and or evidence confirming that these reportings made by these companies of reference are legitimate and were validated by me. They, for the 2nd time, closed my dispute and didn't provide me with any proof and just left me with reportings again. It's already been more than 60 days and with no resolution nor did they send me anything in the mail. I am now demanding they remove it since they had more than enough time to investigate it and to provide me with what i was asking for. The companies in question are : XXXXXXXX XXXX XXXX - {$300.00} XXXX XXXX XXXX XXXX - {$610.00} XXXXXXXX XXXX XXXX - {$2600.00} XXXX XXXX XXXX XXXXi XXXX - {$300.00} XXXX XXXX XXXX  XXXX - {$990.00} XXXX XXXX XXXX - {$900.00} XXXX XXXX- {$460.00} XXXX - {$900.00} XXXX XXXX XXXX - {$500.00} XXXX XXXX XXXX - {$140.00} Remove them now. you are violating my rights and now its consider fraud.

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