vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
In XX/XX/XXXX, XXXX XXXX transferred my loans in the amount of approx {$12000.00} to XXXX. 
My loans were then consolidated through XXXX XXXX XXXX. 
On XX/XX/XXXX I received an email from XXXX XXXX XXXX that my loans were consolidated to the amount of approx {$14000.00}. 
I made monthly payments on time from XX/XX/XXXX - XX/XX/XXXX. 
In XX/XX/XXXX, I received an email from XXXX saying my student loans were paid in full but I did not see this email as i was limited in my access to internet at the time. 
In XX/XX/XXXX XXXX XXXX XXXX sent me an email to inform me that my account was being assigned to XXXX XXXX XXXX. 
In XX/XX/XXXX I received an email from the XXXX XXXX XXXX regarding the the shut down of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have recently reviewed my credit report and there are closed accounts from XXXX, listed as paid in full. However, there are accounts from the XXXX XXXX XXXX XXXX that are listed as closed, but also continue to post as past due and in collections currently. 
I am unable to find my account or log into the student loan aid website. I am currently waiting for their account recovery team to find my info. 
XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX have all now been sued and student loans are being cancelled as part of the settlement. And yet, my credit continues to be negatively impacted as a result of very poor handling of my loans on the part of my lenders, processors and debt management companies. I have had XXXX success attempting to contact any agency regarding my loans to attempt to untangle the mess they have made out of my loans. The education I received was sub par and was useless in entering the field it was specialized in. I have done XXXX work in that field as a result. I am a resident of XXXX  XXXX and would like to be included in the settlement against XXXX. 
Also between the years of XXXX and XXXX I received hundreds of emails from third party companies regarding my student loans and offers of forgiveness or lower fees. It was quite overwhelming and caused me to miss some very important emails regarding my student loans that would have raised my suspicions about the fact that I was being scammed months, possibly years sooner than I finally did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than XXXX occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, I sent a dispute to Experian to remove incorrect names, addresses, phone numbers, employers, and hard inquiries on XX/XX/2021 via certified mail. Based on the tracking number Experian received this dispute on XX/XX/2021. I received a response from Experian, but not all incorrect information was removed so I sent a follow-up request on XX/XX/2021. Based on the tracking number Experian received this on XX/XX/2021. As of today, Experian still has not fully removed all of the incorrect information. At this point this needs to come off my credit report. I am now seeking legal counsel. Please advise asap. I want the corrections to be made on the credit report. The only name, phone number, and address that should be reported on my report are as follows. XXXX XXXX XXXX, ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX Fl XXXX. You will find five attachments. Two attachments are the actual disputes. One attachment is the sent dispute certified tracking receipts for XXXX & XXXX of 2021. Two attachments are the confirmed delivered receipts for each dispute. Experian has not responded. I would like this incorrect and inaccurate information removed from my credit report immediately. 

Thanks, 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 2022-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hauge Associates, Inc.
State: NY

Complaint narrative:
Hauge Group / Hauge Associates is marking my credit report like a XXXX tree for medical bills that are 1 ) NOT MINE and 2 ) NOT MINE & 3 ) it is against hippa law to collect on medical debt with medical information on there, this is a HIPPA VIOLATION AND IT IS ILLEGAL - lastly its fraudulent as these bills are not mine remove them from my credit report immediately THERE ARE 18 REPORTS OF MEDICAL BILLS YOU R TO REMOVE THEM ALL this is illegal and i will involve news stations and attorny generals office i demand them removed.

THESE ITEMS ARE FRAUD THEY DO NOT BELONG ON MY CREDIT NOR ARE THEY MINE AND THEY VIOLATE HIPPA LAWS AS I CALLED ON THEM AND THEY TOLD ME THEY ARE MEDICAL BILLS AND THEY ARE NOT EVEN MINE TO BEGIN WITH I DEMAND THEM REMOVED WITHOUT DELAY AS THESE ARE NOT MINE YOU AHVE NO RIGHT TO USE MY SOCIAL SECURITY NUMBER AND I DONT EVEN KNOW WHO THIS HAUGE COMPANY IS NOR HAVE I EVER USED THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: OH

Complaint narrative:
Transunion, XXXX, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!

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 2022-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
Requesting to deletetion mom passed away and XXXX got XXXX XXXX hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: OH

Complaint narrative:
On XX/XX/2022 I got a notification from Experian that my bankruptcy dispute was complete. I contacted them via phone to verify their method of validation as it is not being reported except on the Experian, XXXX and XXXX. Which as of yet Experian are the only ones that has responded. 

I contacted Experian via phone, spoke to a representative by the name of XXXX, that was very rude while speaking to me. I asked him about the verification process and he told me that it was validated and he doesn't have to share any information regarding the validation process. I told him that the courts nor XXXX reports to the bureaus and I have my XXXX report with NO Bankruptcy listed. Only to be told after explaining my case and asking for a supervisor that no one was going to change it. I was placed on hold for over an hour then hung upon and have been blocked from speaking to an actual person since.

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 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Services, Inc.
State: TN

Complaint narrative:
I have yet to receive a letter for validation from Collection Management Services. I want to make XXXX aware that a billing statement does not prove that I owe on the alleged debt. I am challenging XXXX to prove that the organization has rendered any services or compensation to which the company may lawfully collect. Where is the agreement to prove this matter? XXXXXXXX XXXX failure to prove this matter is considered false representation under 15 USC 1692e ( 2 ) ( B ) of the FDCPA and subject to fines under 15 USC 1692k. Again, if you all fail to produce an agreement that authorizes you to collect the debt, this considered unfair practices pursuant to 15 USC 1692f ( 1 ) and subject to fines under 15 USC 1692k. XXXX is the name on my consumer report. I want XXXX to be aware of what 15 USC 1692j ( a ) says. It states that it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Under the penalty of perjury, did you purchase the alleged debt? Why is XXXX on the report? I demand Collection Management Services and/or XXXX XXXX Management Services to cease and desist all forms of communication pursuant to 15 USC 1692c ( c ). XXXXXXXX XXXX failure to comply to the FDCPA will be challenged pursuant to 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law XXXX I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX XXXX XXXX - {$850.00} Payment Info Status date XX/XX/XXXX This past the 6-year statute of limitations to collect on an account required by Georgia law . I have asked them to remove it on more than one occasion and I have filed a dispute with the credit the MAJOR credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2021, I requested a debt validation letter from XXXX and Equifax for an XXXX XXXX XXXX regarding a loan for a {$6400.00} loan. Unfortunately, XXXX and Equifax have yet to verify the account with my signature and owed amount to XXXX XXXX XXXX XXXX XXXX. Unable to verify debit is required to remove from credit report within 30 days of the requested date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: GA

Complaint narrative:
In 2021 I disputed this account with all three credit reporting agencies as well as the creditor. This is not my account. I have never done business with this creditor. I have asked to be shown the original contract with original signature in when I filed my dispute with ALL the MAJOR credit reporting agencies. I have not had the response that I am searching for. This account needs to be removed from my credit profile. This is adversely hurting my score. I am a XXXX XXXX veteran and a lXXXX XXXX  XXXX and I believe I deserve better results from our nation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FISERV FINXACT CORE
State: MA

Complaint narrative:
I responded to the CFPB after your reply to my original complaint that First Data Corporation responded to my complaint number XXXX saying that they have not charged my account since XX/XX/2011, when we stopped the merchant banking services. My business account is still being charged each month {$19.00} + {$79.00} = {$99.00}. XXXX  XXXX XXXX informs me that these merchant banking charges are being debited by First Data corporation. The charges after XX/XX/2011 are 10 years 21 months {$99.00} = XXXX XXXX XXXX = {$11000.00}. I have also sent them copies of the bank statements and the correspondence from XXXX XXXX XXXXXXXX that the charges are made by First Data Corporation. FISERV has been lying to XXXX XXXX XXXX, to me, and to you and refusing to stop the charges, even though they claim that they are not charging anything. They dont respond to emails and they dont answer phone calls. How do I get these illegal charges stopped?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of a scam/ fraud situation, where I was notified in order to receive money promised to me from a " buyer '' I had to upgrade my Wells Fargo XXXX account to a business account. The person that got in touch with me was impersonating a XXXX agent. That XXXX agent sent me multiple emails stating that I needed to send them {$350.00} in order to get that money. I sent multiple request to get this issue resolved and Wells Fargo has not been able to cooperate with me at all. This is a case of fraud and scam and I find it ridiculous that they are not able to help me out at all. Why would I authorize a payment if I knew I was being a victim of a scam or fraud. This is insane that I have to send all these complaints. I just want this issue resolved and my money returned.

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 2022-02-06 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: NC

Complaint narrative:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-02-06 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2022-02-06 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: NM

Complaint narrative:
I have statements for the past year that show that I have made {$6300.00} in payments and only {$2200.00} has gone to my principal. When I ask why they take more in interest, they say its an interest bearing loan. I think this is ridiculous! I tried refinancing to get a lower interest rate ( current rate is supposed to be 36 % ) and they say that I dont qualify! Please look into this company One Main Financial in XXXX XXXX New Mexico!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: OH

Complaint narrative:
XXXX, Equifax, XXXX was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 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: OH

Complaint narrative:
XXXX, XXXX, Experian was sent a dispute letter which I have included in this complaint. They failed to remove ... past repossessions, doctor bills, or bills that have reached there statutory limitations.. old addresses, old jobs Hard inquiries They refuses to comply with federal law!

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 2022-02-06 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX and XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 33 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020

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 2022-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Credit Card Balance on XX/XX/XXXX XXXX XXXX - {$0.00} Payment Info Status Legally paid in full for less than the full balance Status date XX/XX/XXXX 2020

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 2022-02-06 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: MI

Complaint narrative:
Experian lowered my credit score by 40 points when I bought a home. They have now lowered it another point because it says that XXXX XXXX lowered my credit limit to {$1000.00}. 

That is in accurate. My XXXX spending limit is {$30000.00}, which is easily checked and I was unable to get an explanation of the major drop in score. It is NOT based on outstanding credit or late payments. 

Could I please have someone investigate?

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