vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: GA

Complaint narrative:
I paid {$3900.00} on my federal student loan, to EdFinancial Services ( I have the receipt to confirm this ), I requested a refund on XX/XX/XXXX. I was told I would see my refund in 60-90 days. I have received NO refund. Also, my account does not reflect the new balance with the {$3900.00} being refunded. Every time I call, I get a representative telling me to wait a different amount of time. I desperately need this money and I need my account to reflect my new balance, for Biden 's forgiveness.. I am pleading for someone to help me as I am terrified of waiting much longer. Also, why are other student loan services completing these refunds so much more efficiently? 

All in all, I just want my account updated and I want my hard-earned refund, that I sorely needed weeks ago..

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 2022-09-15 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:
I have new information about XXXX XXXX and Experian. XXXX XXXX and Experian is still breaking federal law per fair credit reporting act. XXXX XXXX and Experian has not exercised their grave responsibility for fair and accurate credit reporting. Ive tried on numerous occasions to get these late payments removed but they continue to break the law. XXXX has deleted the late payment from XXXX XXXX XXXX XXXX and XXXX XXXX and Experian has yet to comply with the fair credit reporting act and needs to be held accountable. I will provide the case number where XXXX has deleted the late payment COMPLAINT ID XXXX. XXXX XXXX and Experian need to delete the late payment from XXXX XXXX XXXX XXXX immediately or face the consequences of a lawsuit.

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 2022-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: IL

Complaint narrative:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from ERC that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to XXXX XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 

ERC Original creditor : Balance details 0 % of this account is paid off Balance {$780.00} Balance updated XX/XX/XXXX Original balance {$780.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name ENHANCED RECOVERY COMPAN Address XXXX XXXX XXXX XXXX, FL XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
I received a Chime card in the mail on XX/XX/2022 for an account that I did not open, the account was opened fradulently. I called Chime on XX/XX/2022 they were able to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with XXXX XXXX XX/XX/XXXX. 
Despite disputing with XXXX, TransUnion, XXXX, and XXXX, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.

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 2022-09-15 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: CT

Complaint narrative:
The car ( XXXX XXXX XXXX ) was repossessed in XX/XX/XXXX. 
The remaining balance was completely settled with XXXX XXXX XX/XX/XXXX. 
Despite disputing with Experian, XXXX, XXXX, and XXXX, a balance of {$2800.00} remains on my credit report with a charge-off occurring every month. The account is closed and settled.

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 2022-09-15 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I am a natural person, I am a living being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. They have violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written consent to furnish these accounts. 

XXXX XXXX account # XXXX # XXXX XXXX  account # XXXX XXXX XXXXXXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX XXXX  account XXXX XXXX US DEPT ED account # XXXX XXXX XXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover has placed a hold on my credit card ending in XXXX for the second time and I send in documents and my bank statements and other important docs and now they have me resend them again and starting its all over again .. and I already done this on a pending application for a second discover card and the fraud dept refused to merge the documents over .. and now I have to wait more additional time for it comes back to XXXX and I dont trust XXXX with my information since Ive been a victim of fraud with them in the past I dont know if I want keep this credit card open since its a only a {$500.00} credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Resurgent Capital Services L.P.
State: DC

Complaint narrative:
Resurgent/PYOD LLC . is reporting a debt of an original creditor, XXXX XXXX XXXX, which has been discharged by a XXXX XXXX bankruptcy in 2012. I previously requested through the dispute process of the credit bureaus, that the company provide the original contract for this account as part of the validation process. As a response to my request, I received a letter from their company requesting that I call their office. I understand that they are required to fully verify the above disputed items within 30 days, or they must delete the item from my credit report. It is also my understanding that they are required to do this under the FCRA 609/611 provisions. I have reason to believe that they are illegally collecting and reporting on a debt included in my bankruptcy. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: HOMESTAR FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was told everything was in order I was due to close and thought I wanted to go with a different lender and decided to stick with my original lender HOMESTAR but when I contacted them about continuing the process they tell me they cant help me because I was going to switch lender at the last moment then they tell me closing is XXXX XXXX and when I try to contact them they ignore my calls my emails everything they approved everything all the way up to the closing date then they lie to me I feel like they discriminated against me because they thought I was not going to choose them for my mortgage I was treated unfairly and it cost me the purchase of my home

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: AR

Complaint narrative:
I received an alert through my identity monitoring service about debt with Rent Recovery Solutions for an apartment lease in XXXX  for XXXX. I have never lived in XXXX I have lived at the same address in XXXX since XXXX. My monitoring service reported the fraud in XX/XX/XXXX. I also reported it to the XXXX XXXX apartment complex. When I reported the debt was fraudulent, they hung up on me. On XX/XX/XXXX, a fraud packet was sent to Rent Recovery via fax and again via certified mail which they signed for. The package included an ID Theft Affidavit, proof of Id, police report information, proof of my residence, etc. I have lived at the same address since XXXX in XXXX. I also included a Power of Attorney for my Fraud Resolution case manager XXXX XXXX. We have left several messages for rent recovery to discuss the account and make sure no further documentation was needed. Rent Recovery Solutions has failed to return any calls and has not confirmed receipt of the package or that the account is under investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Business Bureau
State: IL

Complaint narrative:
On XX/XX/XXXX as I monitored my XXXX credit report I notice a collection from XXXX that I am not repsonsible for. I believe I am a victim of Idenity Theft. I have sent request to transunions, XXXX and XXXX and have not recieved updated information. Below is documention of the transaction. 


MED BUSI BUR Original creditor : XXXX XXXX PARTNERS Balance details 0 % of this account is paid off Balance {$72.00} Balance updated XX/XX/XXXX Original balance {$72.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Account info Account number XXXX Date opened XX/XX/XXXX Account type Open account Status - Status updated XX/XX/XXXX Payment summary No payments have been reported on this account. 
Comments Placed for collection Your statement - Contact info Name MEDICAL BUSINESS BUREAU Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone number ( XXXX ) XXXX Is everything correct on your XXXX credit report? 
You are currently reviewing your XXXX Credit Report. If you find inaccurate information, you can either dispute the information online or via postal mail. Disputes about information on this report must be submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX Account XXXX XXXX XXXX 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 an account without my written instructions.

-15 U.S.C 1666 B : A creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Please update and remove/delete this account immediately please! Thanks in advance.

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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I previously reached out to experian regarding an inaccurate public record on my account. Experian says that the account will not be deleted as they verifed with the furnisher that ALL information they are reporting is accurate this is there exact response " Our research indicates that you previously contacted Experian to request a reinvestigation regarding this information. At your request to begin a reinvestigation, we contacted the public record vendor as needed to verify the accuracy of the information with which you disagree. The public record vendor has verified the accuracy of the disputed information. The result summaries were sent to you for review on XX/XX/2021, XX/XX/2021 and XX/XX/2021. '' I now take this as proof that experian has not " VERIFIED '' the accuracy of this information after I pointed out the inaccuray said address XXXX XXXX XXXX XXXX being reported on this record that you verified with the bankruptcy court does not belong to me and is not accurate. I am asking that this information be removed as you are deliberatley reporting false information and because you are doing so you are violating my rights and I also want to be compensated as well as I have pointed this out and you are still continuing to violate my right under the FRCA and report inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXXXXXX '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 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: NJ

Complaint narrative:
On XXXX, XXXX, after pulling my credit report, I notice multiple unknown accounts on it that did not belong to me, doing my own research and asking for some help to dispute from a friend of mine, he recommended me to start disputing the inaccurate information, So I did, months went by and I was able to remove some of the accounts, unfortunately, on XX/XX/XXXX, I pulled my updated credit report and I saw a new erroneous collection account on it, I am reaching now CFPB website to file a complaint for this account that is not mine, I am expecting XXXX XXXX XXXX XXXX  '' to be remove from my report because I am not the debtor of this account, hopping for good results to come in my next update credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX 's Reporting details of my account status are incorrect where it claims that the account is currently 30-59 past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last 2 weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: OneMain Finance Corporation
State: PA

Complaint narrative:
OneMain 's Reporting details of my account status are incorrect where it claims that the account is currently XXXX  past due. This is incorrect and needs to be modified. This should have been updated to reflect a current status within the last XXXX weeks. Further infractions may result in the account being furnished to an attorney to enforce appropriation of account data. Misreporting to the Credit Bureaus should carry fines for the financial agency and I believe this is also inappropriate use of my Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase Sapphire Reserve Card Benefit Services denied claim for cancelled flight that required booking on another airline ( XXXX ) at the {$1200.00} higher cost to get me, my wife and daughter home to the US. I was finally reimbursed {$840.00} by the cancelling airline ( XXXX XXXX ) which I advised Chase, and restated my claim for the remaining difference I was out, $ {$380.00}. Chase was called several times about my Claim No. XXXX, and the various reps kept asking for the same paperwork ( 17 pages ) that I originally submitted XXXX XXXX. The last call was a month ago ( XX/XX/22 @ XXXX ) and the rep ( XXXX XXXX said she'd look further, and was again advised that the claim was reduced to {$380.00} from {$1200.00} due to refund from XXXX  of {$840.00}. NO response. 
I pay a high premium for this " service, '' which is no service at all, administered by folks that are more intent on denying the claims with no valid explanation, in at that in an untimely manner. This has been over half a year. Chase has multiple copies of all of the documentation. 
The alternative to coming home from my son 's wedding in XXXX XXXX XXXX would had been to stay in the hotel ( availability? ) for two more nights and meals for three people, if we opted to take the offered rebooking on XXXX XXXX three days later that would not get us home until mid-day the 4th day. One rep said that would be covered expense for cancelled flight. Easily the covered costs for hotel and meals for three of us in XXXX could have exceeded been {$1500.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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