vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

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 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
section 1681 of the fcra governs permission given to any company to check my credit report only by signed contract not from any other source my credit has several unauthorized inquiries that are illeagally reported

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: HCFS Healthcare Financial Services of TeamHealth
State: VA

Complaint narrative:
My complaint is against ARS Account Resolution for 13 medical billings on my credit report. This is re-aging of accounts which is not a legal practice. For this unlawful practice I requested that they remove accounts from my report, they refused. I also disputed the items through each credit bureau requesting they advise the agency of these unlawful practices. Some were removed from XXXX and XXXX. XXXX did not remove any. 
I also am filing a complaint XXXX  actually allowed the collection agency to correct the dates after I submitted my dispute for re-aging of the accounts unlawful practice an. I contacted all three bureaus and complained and resubmitted the disputes for unlawful re-aging, awaiting outcome. 
My complaint extends to all 3 credit bureaus for not handling my dispute properly and once the problem was pointed out by me by calling not complying with my request to have them removed.

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 2019-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
My payment was due on XX/XX/2019 which is a Sunday. The payment was received onXX/XX/19 ; however the company charged me a late fee and interest due to the payment being received the day after it was due. The company agreed to reverse the charges to my account, however when i asked whether they had any controls to ensure that others in a similar situation were credited they said no, that the customer had to call in to have the payment accurately posted. This is not fair to the customers who are not aware that they are being charged fees and interest inappropriately because it requires that they take action to resolve a problem that is known to the card servicer.

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 2019-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Please Reopen : CFPB Complaint # XXXX It is assigned to Department of Education which has nothing to do with Home Mortgage. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
GLA DId not send a letter or notice. This collection of {$130.00} is not owed. I was paying XXXX XXXX XXXX and knew nothing about this. No letter of it going to be turned over to collections. Was paying ... ..and is paid

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: LeVasseur Dyer & Associates, PC
State: MI

Complaint narrative:
XXXX XXXX XXXX from LeVasseur Dyer Associates P.C is committing Mortgae Servicing Fraud by filing false affidavits to collect on unenforceable debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: SC

Complaint narrative:
In XX/XX/2017 I consolidated my student loans with Premier Student Loan Center who also lead me to believe I was in a student loan forgiveness program. I just recently found out that it wasn't true after contacting my original provider. I was scammed out of around {$1500.00} believing I was paying toward my loan to find out that nothing was applied to my student loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This debt was discharged. Now its back under a new company. XXXX is tanking my credit over something that was there fault. Why should I pay this debt when I had told these people to turn off my service? All three credit reporting agencys are now in such a bad place I cant even apply for a car lease. Theres still errors on my reports and when I try to dispute them its like I dont exist. XXXX  is another one and I have never applied for a XXXX card but I have to wait till they drop off. WHY??? This is so unfair. There even telling me I have no work or credit history when I apply. Why does social security have a more detailed history on me then these credit reporting agencies? They are supposed to be so important in getting cars and homes but I find that the information is so wrong. I also have student loan asking for the principal. Are they going to tank my credit too?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 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: NJ

Complaint narrative:
I called Iowa student loan office on XX/XX/XXXX and talked to XXXX. He said they reported the last balance back in XX/XX/XXXX and the account is now closed. The credit report states i have a balance of {$1000.00} and XXXX said they never reported that amount to Trans Union. The account should be closed by the Department of Education.

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 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX  in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX  and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: American Coradius International LLC
State: MI

Complaint narrative:
The only method this company has used to contact me has been by phone. They did not communicate by mail first which I know is law. 

The first phone call was last week on XX/XX/2019 from American coradius international they us a spoofer to hide there actual number they made it appear to be a local number ( XXXX ) XXXX When I informed. The women that was calling on behalf of XXXX that the debt was included in bankruptcy that had already been discharged, she told me they dont recognize bankruptcy and that I owed XXXX plus collection fees. I informed her to not call me again and hung up. 

My grandmother then called me on XX/XX/XXXX to inform me that american coradius international on behalf of XXXX they informed her of a debt how much was owed and told her it would be in her best interest to contact me and make me call. This is a XXXX year old women they threatened. 


american coradius international tried to call again on XX/XX/XXXX XX/XX/XXXX and this morning XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Apparently on XX/XX/2019, I " signed up '' for Transunion 's $ XXXXmonth credit monitoring service. With tax, I was charged {$21.00} on XX/XX/XXXX unbeknownst to me. Again, yesterday, XX/XX/2019, I was again charged {$21.00} for this " service ''. 

This time I noticed the charge ; I was able to cancel my service, and Transunion customer support told me they could issue a refund for the charge yesterday. 

I assume they obtained my email address when I filed for my free credit report ( probably this is when I was subscribed to their " service '' ). The thing is, I NEVER gave them my credit card information, which I assume I would have had to do to subscribe to a monthly charge. 

So they signed me up somehow? I was not aware of this subscription. If you look, I never even used the service in the past month, I have not logged onto their website since the day I received my free credit report. 

Even more infuriating, they never ever sent me a single email confirming my subscription, detailing the service or any other information. It's like they secretly subscribed me to get money out of me hoping I wouldn't notice. 

I assume there was some condition hidden in the free credit report, but they obtained my credit card information elsewhere ( i.e., not from me ). 

I cancelled the subscription I never agreed to this morning. Transunion said they could issue a one-time refund for the second charge from XX/XX/XXXX. I contacted my bank and put a stop payment on Transunion charges, and filed a dispute for the XX/XX/XXXX charge considering I never even used their " service '' during this entire period, nor did they ever email me confirming my subscription or providing the service. 

Very shady and questionable business practices.

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 monetary relief
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Monterey Financial Services LLC
State: MA

Complaint narrative:
I was offered an online course by XXXX XXXX. I accepted the terms and signed a contract. Then i unenrolled from their program. I had given them all of my personal information such as SSN, DOB, and license number. I then received a payment book by an unrecognizable company ( Monterey Financial Services ). I was not informed or had given XXXX XXXX my authority to give another party or another company my personal information. Monterey Financial Services has reported negative and inaccurate information to my credit bureaus and it has affected my credit score

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
The company, PMAB, LLC., is repeatedly collecting on and reporting medical bills that are not mine on my credit bureau. Even when removed due to a dispute, they immediately report the amount back on to my credit report with slightly different information as a new debt. There are over 8 collections on my bureaus right. I have requested validation with PMAB directly, and only get a list of amounts that mimic the bureaus. Nothing itemized, and nothing that says where they came from. I have disputed these with the bureaus and they will automatically be removed. Within a month or so, they are reported right back. I have tried contacting the medical facilities directly, and my social and birthdate does not match ANY of the bills. These are not mine. I have no reasons or procedures that would result in these bills, and these are not my medical care providers. There seems to be nothing I can do. They continuously re-report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
on XX/XX/2019 I sent out notarized dispute letters via certified mail to Experian, XXXX and XXXX credit bureaus disputing the information with several creditors on my reports. I also sent out letters to the actual creditors, asking both the credit bureaus as well as the creditors for original signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

After no response or verification from either the creditors nor the bureaus, I sent more notarized certified letters out dated XX/XX/2019. Again, I did not get any verification of ANY signed consumer contract as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. 

On XX/XX/2019, after still NO VERIFICATION and NO RESPONSE from either creditor or the Bureaus, I sent another round of letters asking for verification as stated in Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Report Act. AGAIN  FRUSTRATINGLY WITH NO RESPONSE!!! 

On XX/XX/2019, AGAIN,, I sent a final round of letters as a final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve continued violation of the Fair Credit Reporting Act regarding refusal to delete UNVERIFIED information from my consumer file. AGAIN NO RESPONSE!!! 

The unverified accounts on my record have damaged my good name by not allowing me to obtain credit. I know for a fact that all of these letters were delivered and read by all parties they were sent to, and still i had not received any consumer signed contract as verification as stated BY LAW these entities MUST PROVIDE ME. 

I'm past any resolution on this matter and demand that ALL INFORMATION be deleted that was not verified, including all hard inquiries. These supposed creditors and the XXXX main credit bureaus have had XXXX days to respond to my legal demands and have failed to do so. I'm writing this complaint as an initial request to make this right before I pursue legal action. 

Sincerely, 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 2019-07-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I C Systems the collection agency has gathered a debt by XXXX XXXX XXXX. This debt is invalid as the items had been canceled due to the transaction not being valid. It was not valid because they did not complete the agreement in good faith. I was sent the wrong spice rack and they refused to accept it back. I then canceled the rest of the items ordered. They insisted on me paying for the items never accepted. XXXX the Financer sided with me on this dispute and eliminated my obligation and debt. XXXX XXXX XXXX got mad and insists I pay for the items even though the agreement was for XXXX to finance it. They have sent my account to a collection agency but they are not owed anything.

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 2019-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
PLEASE ASSIGN OTHER BANK OF AMERICA XXXX XXXX XXXX AT XXXX, extension XXXX IS NOT PROVIDING INFORMATION ABOUT THE INVESTIGATION OR ANY DOCUMENTATION ABOUT MY ISSUE. IF CFPB HAVE A CUSTOMER RATING FROM 1 TO 10, I WILL GIVE HIM 0. 


To Whom it may concern, The checking account # XXXX I used to have with Bank of America or perhaps another checking account opened under my name without my authorization and it was reported as a delinquency account with a transaction of {$500000.00} in cash from a fraud group located in Georgia back in the years XX/XX/XXXX-XX/XX/XXXX ( I can't recall the exact date ). I was never notified of this fraud transaction which is being reported in my personal background in agencies. In addition, I went to a local branch and they can't find the checking account in the system, the account is older than 7 years and it is not showing any information. 


Previous Address * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX * XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please send me a written response in reference to this transaction and delete it from the records that it is being displayed in personal background agencies.

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 2019-07-05 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: SLM CORPORATION
State: MI

Complaint narrative:
On XX/XX/19 I received an email from Sallie Mae that a student loan was denied and it listed XXXX as the credit reporting agency. When I looked on my credit report I could see a new hard inquiry had been done by Sallie Mae on XX/XX/19. I did not apply for a loan with Sallie Mae on that date. It had me listed as a co-signer of the application and allowed me to pull up a copy of the application. It lists clearly that I had not signed nor received a request to sign to be a co-signer. After speaking with my daughter she said she started the application but didnt finish it because she didnt have my information. I contacted Sallie Mae to dispute the inquiry. Sallie Mae said I had to call the police and prosecute my daughter for fraud to have it removed. I tried explaining that no she had not committed fraud, the application was never signed by me and therefore was never completed and they should not have run an inquiry without authorization to do so. The person on the phone just kept over talking me and telling me I had to press fraud charges. How can they run an inquiry on my credit report when the copy of the application they sent me clearly states co-sign never signed. I didnt get an email asking me to sign or anything. It was an incomplete application and never should have been processed to begin with. The inquiry should be removed from XXXX based on that. XXXX will not do anything without a letter from Sallie Mae telling them to remove it from my credit report. Im not sure who made the mistake of processing an inquiry on my credit without permission, either Sallie Mae or XXXX but neither will help me to resolve the issue. My daughter didnt commit fraud the application was not completed and I never signed it so it shouldnt have ever been processed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I receive an alert from XXXX XXXX that my information was found on dark web upon reviewing my credit report, I saw an account that I have no know knowledge, I reached out to the company listed and haven't received any info or verification of this account.

Company response to consumer: Closed with explanation