vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: NY

Complaint narrative:
My student loans are serviced by ED FINANCIAL. The total amounts of the loans was a total of {$100000.00} as of XX/XX/XXXX. They were broken down into XXXX accounts. They are loans for a XXXX degree and a XXXX XXXX. The loans are in deferment due to the COVID 19 pandemic. 
On or about XX/XX/XXXX, I received notifications from XXXX, XXXX and XXXX that the accounts serviced by ED FINANCAIL had been closed and " paid off. '' As a result, my credit scored decreased by more than XXXX points. I obvuiulsy did not pay these loans. I have not made any payment since early XXXX before the XXXX XXXX pandemic began. I did not receive any notification of a payoff and closing of my account from the XXXX major credit reporting agencies. 
I can not view my account on my online ED FINANCIAL account page as there are no balances or payment history. This also happened recently.

On the ED FINANCIAL website, it states that some borrowers will have their loans serviced by another processer and/or platform. I have not receivedm
any email regarding the above actions by ED FINANCIAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: MI

Complaint narrative:
After submitting multiple disputes with Experian and reviewing the results of the investigation, Experian continues to fail to acknowledge and remove this inaccurate and incomplete XXXX account from my consumer report. I've made multiple efforts to resolve this matter directly with Experian. I have sent formal letters with documentation highlighting the discrepancies between the consumer reports of the 3 major credit bureaus. However, Experian did not complete a thorough investigation and proceeds to openly violate federal statutes and my personal rights casting an unwarranted shadow on my character, creditworthiness, and overall financial standing. I ask that the Consumer Financial Protection Bureau step in once again to bring attention to this pressing matter to remove this inaccurate and incomplete account from my consumer 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 explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent first letter of dispute on XX/XX/2023 to Experian and XXXX for the amount {$2200.00}, asking them to validate the debt that they stated that is mine, they responded via there web portal stating that the debt was validated with no proof of the amount of the debt, the name of the creditor to whom the debt is owed, proof of the contract, proof of signature, account history and last payment made on the account. 

I sent out the second letter to both Experian and XXXX on XX/XX/2023 telling them that they did not validate the date and they send me a copy of a bill with no signature. They are still telling me that the debt was validated which it was not. 

Both Experian and XXXX has breach my information which allowed my personal information to be exposed to hackers.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have initiated communication with TransUnion on multiple occasions regarding various accounts and discrepancies that are not relevant to my profile. Regrettably, TransUnion has amalgamated my credit bureau account with that of my son, XXXX XXXX XXXX. This conflation encompasses his social security number, auto loan, and student loans. I earnestly request that an inquiry be promptly conducted into this matter to effectuate the necessary rectifications.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My credit card was fraudulently used and after i reported it to the bank they stated the charges were valid and that I made them. The transactions were made in another state ( XXXX XXXX ) and I live in XXXX. The charges were made at a XXXX in XXXX XXXX XXXX XXXX on XX/XX/XXXX. There were multiple charges totaling {$200.00}. Charges were also made at a XXXX XXXX grocery store. XX/XX/XXXX for {$65.00} {$7.00} XXXX. They recently rebilled my account for these charges.

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 2023-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
I am currently trying too close on escrow selling my home and my mortgage company PENNYMAC made an error and reported a partial claim on my home to HUD and recorded to the county that was denied. I have tried for a month to get resolved and nothing is happening. I have been told over a dozen times someone would call me back and no one has called me. I have gotten my closing title agent to call and emails sent and no answer. I received a email from a supervisor XXXX XXXX from PENNYMAC stating he had his team escalate to HUD to get partial claim removed and updated and nothing has been done. XXXX XXXX from PENNYMAC hasnt returned any emails and no calls from him updating me on a status of what is going on. I was suppose too close on escrow on XX/XX/2023 and today I still havent closed. The buyers of my home has put in notice where they are living and needs to move into home and cant. This is a great inconvenience and unprofessional of PENNYMAC and their error that is causing me mental and financial anguish. I have had XXXX XXXX XXXX and my XXXX XXXX has been high for past XXXX weeks while trying to get this resolved. I am disgusted and frustrated with error from PENNYMAC that they are slow too fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Payward Ventures Inc. dba Kraken
State: CA

Complaint narrative:
On approximately XX/XX/2023, I conducted successful deposit and withdrawal transactions to and from my Kraken account. However, on approximately XX/XX/2023, when I transferred all my crypto assets of {$230.00} XXXX into my Kraken account with the intention to sell and transfer the funds to my bank account, and after successfully selling my crypto assets, I discovered that I am unable to withdraw any amount of my money, even within the permissible limits. 

Promptly, I opened a support ticket and provided all the requested documents. Despite my continued efforts, the Kraken support team 's responses have been limited to acknowledging that my account is under review, with no indication of an estimated completion date or requests for additional information. 

The Kraken legal team did not respond to my email. The support team over the phone can not do anything about it. There is absolutely no communication from Kraken about when this issue will be resolved or what additional documents I need to provide. 

I fully committed to cooperating and promptly addressing any legitimate concerns that may have arisen. I am also willing to provide any additional documentation required to expedite this process.

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 2023-08-17 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: GA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: NY

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is kept to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: MI

Complaint narrative:
I applied for an income-driven repayment plan, specifically the XXXX plan, a few days ago. Today I get an email saying I have to provide proof of income from the last 7 years. I was in school until XXXX working part time, and only had stable income from XXXX onwards. 

I read the documentation for the XXXX application and don't see any requirement for past income, only current. Are they allowed to ask for 7 years of prior income? It seems meant to make the process difficult on purpose so they can charge a higher amount per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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: NJ

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: AGS Financial, Inc
State: NC

Complaint narrative:
AGS Financial Inc XXXX XXXX XXXX XXXX XXXX  NC XXXX This company has used and sold my personal information for about 10 years. 
This company has put a XXXX debt on my credit report. It has been sold to a company 's different agencies every month. Harrasing phone calls daily have been calling and adding this debt to my credit report. 

This has been disputed with all three credit bureaus for 10 years, and nothing has been deleted. Also, I've never seen any signed agreement with my signature. Credit Bureaus have told me several times that it was deleted, but the debt is still on my credit report, along with phone calls daily. 

This has caused a great deal of pain and unwanted financial stress. 
They are abusing their credit power and causing me consumer stress.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
I never received any notice of debt attempting to be collected from GLA Collection Company. After noticing not one, but TWO derogatory marks on my credit report from them : account # XXXX for {$3300.00} and {$1000.00}. I initiated communication with them to get a better understanding of where this debt is coming from. I have not paid any hospital a visit in the last 5 years. I contacted the supposed original creditor XXXX and asked for further understanding on how my information has been obtained, why it has been disclosed to a third party, and when was I going to be informed. XXXX confirmed to me they actually do not have any of my information on record, and could not have shared any information with this collection agency due to that being a violation of HIPAA. I contacted GLA Collection Company in XX/XX/XXXX to request a validation of these debts and all i received was a bill summary ( It can not even be classified as an itemized bill ; itemized bills list each item/charge ), which i have attached. This document did not include any context of the charges or any breakdown of each supposed charge, and as requested, any and all itemized bill should have a full detailed breakdown for what is being collected on. Upon receiving their response, I noticed on my report the debts are now dated for XX/XX/XXXX but in the bill summary provided by them, the date is XX/XX/XXXX. This is illegal according to the FCRA and reporting as a recent debt, which is another valid reason for removal. I again attempted to reach out to this company with no current response, as it will approach the 30 day mark on XX/XX/XXXX. I have attached my 2nd attempt to validate this debt as well. This company states they are collecting on behalf of an original creditor and I'd like more confirmation on how that is possible if : a ) the original creditor verified no debt was sold to this company because they have no record of me at their facility. b ) YOU as the collector can not even verify, validate, or confirm any information on these debts besides a total amount. I strongly feel there have been many violations of my rights under the FCRA and request these to be immediately removed. It's not logical ( nor ethical ) to expect money to be paid, but as a company you can not communicate or validate any requested information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: CA

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX  customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17 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:
My credit report is showing late payments to XXXX XXXX and XXXX XXXX XXXX  XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

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 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: UT

Complaint narrative:
Violation of 15 Usc 1681b and Usc 15 1682. Early warning illegally accessed my credit report, social security number and my private information without my consent and no contract. Then extorted me out of my information to provide me with a report they developed without my consent so they could save my private information and sell it without my consent. This company has violated the consumer fair reporting act. Early warning is keeping me from getting a bank account and are denying me access to credit and adversely affecting my life. They are holding my consumer report hostage for 15 days and refuse to email my consumer report immediately.

Company response to consumer: Closed with explanation