vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
In trying to manage my student loan accounts, I have been trying for months to unenroll from automatic debit payments. When payments resume, I simply wish to submit my payments manually each month. 

Each time I ( or any borrower I assume ) clicks " Cancel Direct Debit '' it logs me out and says an unexpected error has occurred. I assumed this was a temporary issue, and have been trying for months with the same result. 

I have contacted FedLoan Servicing ( the servicer ) on XX/XX/2022 and XX/XX/2022. They will not respond, help me cancel direct debit, etc. 

With continued uncertainty surrounding student loan repayments, it is not unreasonable for consumers to wish to monitor their loans closely and submit payments themselves when payments resume. I simply wish to opt-out of direct debit, but FedLoan Servicing is making that impossible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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.

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 2022-05-01 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX {$320.00} Open balance XXXX XXXX XXXX  Original creditor 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
I did a balance transfer, and it took place on XX/XX/2022. My due date was XX/XX/2022. The transfer was confirmed by XXXX card on XX/XX/2022. On the XXXX of XXXX Aspire charged me interest, yet I had a XXXX  balance. They posted my payment on the XXXX and then later through an investigation realized I WAS CORRECT and removed the late fee but to date has refused to remove the interest and KEEPS TELLING ME they are reviewing it when I ask again and then charge more interest. They have been extremely difficult and string you along for hours in chats, mocking you as well as in emails, all the while telling you they need 2- business days to review and NEVER RESPOND.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UPGRADE, INC.
State: IL

Complaint narrative:
This company on XX/XX/XXXX placed me on a hardship repayment plan and took off my ACH and said that I do not have to pay XXXX payment. The management team did listen to the recordings and did confirm that this is correct but every month since then they report to the credit bureau that I am late. They had to send over two-three credit correction forms and every month they still report me late. There is a glitch in their software system that sends me to collections. NOBODY at this company can fix the problem. They send me to every department and no resolution. This company is not receptive to the customers ' needs or complaints.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-01 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: SC

Complaint narrative:
I called and let the collection agencies know they was violating my rights to privacy by putting the the accounts on my credit report without my permission. 


15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: DISCOVER BANK
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for ar purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have contacted Midland Credit Management no less than 3 times requesting validation of the collection they are reporting on my credit file. I have requested the following from Midland Credit Management : 1. Copy of the original contract baring my signature that I actually signed on for this debt. 2. Payment history from the original creditor that shows my payment history. 3. Name and address of the original creditor and last Proof that Midland Credit Management either owns or have been assigned this debt to collect. Midland Credit Management has failed to provide this information and continues to report inaccurate information on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ragan & Ragan, PC
State: NJ

Complaint narrative:
I received notice from Ragan and Ragan regarding a debt that I did not recognize and filed an identity theft case with FTC on the identity theft website and sent a letter of validation to Ragan & Ragan on XX/XX/2022. On XX/XX/2022 they requested a default judgment and did not comply with my letter within 5 days and continued to collect the debt and sue me. I did not receive any validation so I sent a second letter of validation dated XX/XX/2022 and specifically stated that they should send me everything in writing and to stop all phone calls. Ragan & Ragan continued with the case and filed for a summary judgment on XX/XX/2022. On XX/XX/2022 they continued to call my phone and left a voicemail message to call them which violated my cease and desist letter regarding phone calls. On XX/XX/2022 I received a notification from Ragan and Ragan which included information about the debt which I disagree with so I filed an objection to the summary judgment on XX/XX/2022 and oral arguments will be heard on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It all states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX Account # XXXX has violated my rights. 


15 U.S.C 1681 Section 602 A States I have a 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
accounts is still on my credit report they are not mine want the accounts removed account name : XXXX account numberXXXX balance : {$580.00} want the accounts removed account name : XXXX XXXX XXXX XXXX account XXXX balance : {$560.00} $

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 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX, a payment of {$100.00} was made at Bank of America ATM ( XXXX XXXX XXXX, XXXX, TX XXXX ). Card was put in the terminal however they said that they could not give a receipt for the {$100.00} that was deposited to credit card. They said that the systems was not working properly and they are unable to provide a receipt. They said that she could wait 24 hours for the credit card payment of {$100.00} to appear. She waited 24 hours, and nothing, so she went back to the branch and asked for a receipt. They said that they could not pull it so they were going to open an investigation. Investigation said that the {$100.00} would be issued in XXXX of XXXX. Its now XXXX of XXXX, and the money is still not there. The bank are unable to help because they want a receipt and a receipt was never provided.

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 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date inaccurate, the date of last activity is inaccurate, the date of last reported is not accurate. This is ground of removal, they also violated my rights under 15 U.S.C 1681 section 602 A : State I have rights to privacy 15 U.S.C 1681 section 604 A section 2 : It also state a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation, which I previously filed a complaint with you all about this. 

Aslo, I have received a letter from the credit bureau stating accounts was not reporting, ( 1 ) XXXX XXXX ( 2 ) US Dept Of Edu *4603 after pulling the report these item are still listed and reporting on the credit file. I called the reporting agency and spoke with a rep and she told me the confirmation number I told her is not showing up in their systems, I asked her do different departments have different confirmation numbers, and what do the dispute department confirmation numbers start with, she supplied me with the information however the mail I received that had the same 3 number for the dispute department was correct but yet she couldnt find the confirmation number.

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 2022-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-05-01 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: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 section 602 states that I have a right to privacy.

15 USC 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Grain Technology, Inc.
State: TX

Complaint narrative:
I had been with the Grain Credit card company since XXXX XXXX. Out of nowhere in XXXX of 2022 they ask to verify my identity. I send a picture of my Texas DL and several days later I receive a reply stating that my account is closed because they cant verify me. The company never responds to the consumer. Their system wont allow me to remove my personal information. I am sure this is not the only complaint you have received in regards to this. It seems this has been done to several of their consumers in the last month. This is a very shady business.

Company response to consumer: Closed with explanation