vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 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: Nelnet, Inc.
State: WA

Complaint narrative:
I had initially contacted Great Lakes ( my student loan servicer ) on XXXX XX/XX/XXXX in order to enact a student loan payment refund under the CARES Act in order to get my student loan payments refunded that I had made from XXXX of XXXX to date. I had used their online services to send them email to request this refund, followed up by a phone call to them in order to ensure that they received my request successfully. The gentleman on the phone went over some details with me, ensured me that my request had been submitted successfully and that I should expect my refund within 30-45 days. After a few days, I received a call from Great Lakes regarding my refund request. The lady on the phone wanted to double check what dates/amounts that I was requesting the refund for. I informed her that I was essentially requesting enough of a refund to get me back to a {$10000.00} balance on my student loans, if possible. With that, we went down the line of my payment history on the Great Lakes website and concluded that XXXX XX/XX/XXXX to XXXX XX/XX/XXXX would be the requested date range for the payment refund and that the total refund would be {$5500.00}. The female representative from Great Lakes on the phone assured me that we were still looking at about 30-45 days for the refund to appear and agreed with that timeline. Following some weeks, I had still not heard nor seen a change in my student loan balance on Great Lakes or a refund in my account. With this, I decided to give it a few more days/another week or so before I called Great Lakes to get a status update. Upon calling their customer support line on XXXX XXXX, I was informed that my refund was still being processed, despite it being over 40 days since my request was submitted. Unfortunately with this call, I was informed that my request was now looking at a time line of 60-75 days, despite having submitted my request all the way at the end of XXXX prior. Unable to help me any further, I thanked the representative for their time and ended the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
A company by the name of Portfolio Recovery calls me everyday looking for a XXXX. I have told them time and time again that there is NO XXXX at my number. Then they ask for my information and hang up when I tell them it is not needed to remove my number from their records. I have told them to stop calling and that I will report them. Now they call and do not leave messages and hang up when I answer. I know it is them because if I call the number back it states on automatic response that it is Portfolio Recovery. I have no outstanding debt, no credit cards to my name and no unpaid medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TX

Complaint narrative:
I, XXXX XXXX XXXX filing this complaint on my behalf and certify this information to be true to my knowledge. The consumer reporting agencies are not complying with federal procedures to fix errors on my consumer report. Information that is reporting is not accurate and has not been verified.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX shows XXXX amounts due to XXXX XXXX XXXX, both from XXXX XXXX XXXX, XXXX for {$67.00} and the other for {$84.00}. I believe these are duplicate charges. I have asked for these charges to be verified and have not received any answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: IA

Complaint narrative:
all three bureaus Trans Union XXXX and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by Trans Union while XXXX and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by Trans Union while XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by TransUnion XXXX reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while XXXX is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. Trans Union makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself

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 2022-10-10 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: IA

Complaint narrative:
all three bureaus XXXX XXXX Experian and XXXX are reporting inaccurate information on credit report on this account open in XX/XX/XXXX by XXXX XXXX while experian and XXXX report date of open XX/XX/XXXX all three bureaus report a balance of {$550.00}. Reporting incorrect date last report it stating as XX/XX/XXXX by XXXX XXXX while experian reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. Date last active is reporting g as XX/XX/XXXX by XXXX experian reports XX/XX/XXXX while XXXX reports XXXX XXXX. I have tried disputing account with credit bureaus asking to delete this account as it is stating incorrectly showing the date of last payment was XX/XX/XXXX of XXXX while payment history is reporting OK as agree all the way from XX/XX/XXXX through XX/XX/XXXX by XXXX while experian is reporting consecutive charge off all the way from XX/XX/XXXX through XXXX XX/XX/XXXX. Date reported on payment history makes no sense with the data reported on date of last payment just those here its a huge mistake that is hurting my XXXX XXXX and holding me back from obtaining credit. There is no possible way that XXXX bureau can report perfect payment history while the other bureau is reporting the whole opposite. XXXX XXXX makes a comment of investigation meeting all FCRA requirements I strongly disagree with the results to this investigation as you can see on my copy of credit report account this account is a total mistake itself. Theres no way that all three bureaus can be right if information is coming from the same furniture data. this account is only updating the date last reported pushing back the date it should fall off this is not acceptable. Delete immediately account is a total mistake itself

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 2022-10-10 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: NY

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 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 2022-10-10 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: NY

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXXXXXX XXXX  account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 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 2022-10-10 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: NY

Complaint narrative:
In accordance with The Fair Credit Reporting act XXXXXXXX XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 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 explanation
Consumer complaint received 2022-10-10 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:
Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't XXXX XXXX correct. Under U.S Code $ 1681e ( b ) ( b ) Accuracy of report. Improper use of my consumer report The Congress under the Fair Credit Reporting Act ( FCRA ). Please be advised this WRITTEN REQUEST and FINAL WARNING. The List of accounts below has violated! my federally protected consumer rights to privacy XXXX! confidentiality under 15 USC 1681. I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. Block this information from my credit report, pursuant to section 605B & FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC sold my credit card account to XXXX XXXX in XX/XX/XXXX. HSBC failed to provide statements for XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX and because I was no longer a customer I couldn't access the online statements. 

The amount due XXXX XXXX presented me with for XXXX didn't match my records and the current transactions given were inaccurate, including triplicate charges for each credit card use. 

XXXX XXXX doesn't answer their customer service line and HSBC declined to assist me. Through repeated contact throughout XXXX I was able to cancel the XXXX XXXX card and obtain HSBC 's promise to mail me the XXXX and XXXX statements on XX/XX/XXXX. 

As of XX/XX/XXXX, I still haven't received the statements nor has XXXX XXXX obtained them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Bank credit card, On XX/XX/XXXX, an on time payment of XXXX was made and MY Error paid again on XX/XX/XXXX ... .Tried to have my card credited for XXXX but my calls and e-mails were ignored. 
. 
On XX/XX/11 Comenity charged my card XXXX again They're XXXX, so now there were XXXX charges that would need to be reversed!.. 
I spoke to a XXXX 's supervisor ( Comenity ) is linked with XXXX 's, who told me they were having many problems with them, and XXXX XXXX would soon be replacing them and I would soon receive a XXXX XXXXXXXX credit card, replacing Comenity bank 's, credit card.. 
I was given a XXXX XXXX phone number to try to resolve this problem This was accomplished. I have received the XXXX credits due me. 

To my surprise Comenity has once again included this XXXX in my balance! 
I have returned the current statement backing out this XXXX a late charge of XXXX and XXXX, XXXX interest charges for a total of XXXX I sent their recent statement indicating my balance was XXXX. 
I will not be using this card in the future, and await the XXXX XXXX replacement card... 
No further charges to this credit card will be made.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I called up PayPal yesterday to cancel my account and they told me I had to cancel my credit card with them first. I followed up with that call and received a confirmation text stating that I cancelled my card. I proceeded to close my PayPal account and they wont allow me to do it. Im so frustrated and was waiting online and on the phone for an hour. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked the credit reporting agency, Equifax, to correct this account- XXXX XXXX XXXX XXXX XXXX, because the balance is being reported inaccurately ( {$81000.00} ) even though the account is closed and paid in full. I verified this information with the lender. 

Equifax will not investigate. They have not provided me with any proof or reason why they continue to report a balance on this account, when there is none. Equifax sent me a letter stating that they modified the " closed date '' but they did not. ( see attached document from them ). 

They will not provide me with any proof for reporting a balance on this account, which is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: IL

Complaint narrative:
I have filed multiple disputes and complaints with the XXXX  and XXXX dispute department. I informed them that this account was opened fraudulently and they have yet to remove this account from my credit file. I was informed that this account is accurate and belongs to me but have yet to receive any proof. 
I need this account removed and blocked permanently

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: WI

Complaint narrative:
Original Email to Edfinanical Customer Service dated XX/XX/XXXX " In light of recent decisions by the white house, I would like request a refund on several payments made since XX/XX/XXXX. 

Payments I would like a refund on are below with the dates they were processed and payment total. The refund and remainder I have left to pay will equal the forgiven amount of {$10000.00}. 

XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$520.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$500.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$700.00} XX/XX/XXXX = {$600.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} XX/XX/XXXX = {$400.00} '' I received the response below on XX/XX/XXXX " Thank you for contacting Edfinancial Services. 

We have received your request and have submitted it for processing. Please note, all refunds will be processed according to the U.S. Department of Education 's timeline for the discharge program. We appreciate your patience. '' Since that response it has been over a month and I have heard nothing from them. The refund has not been issued to my bank account and the amount on my Edfinanical account does not reflect the refund I requested. The fact that I have received no other information is alarming and I would like the issue refunded as soon as possible. There is no reason someone should have to wait this long for a refund to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Repoerting Act XXXX Account # : XXXX XXXX BANK XXXX ACCT # 444796XXXXXXXXXX XXXX XXXX ACCT # 532211XXXXXXXXXX XXXX XXXX XXXX ACCT # 128842XXX TBOMXXXX ACCT # 541051XXXXXXXXXX XXXX XXXX ACCT # 405731XXXXXXXXXX XXXX ONE ACCT # 517805XXXXXX XXXX XXXX XXXX XXXX ACCT # 302751XX XXXX XXXX XXXX XXXX ACCT # 622106XXXX XXXX XXXX XXXX XXXX ACCT # 200000XXXXXXXXX XXXX XXXX ACCT # 102654XX XXXX ACCT # 550114XXXXXXXXXX XXXX XXXX XXXX ACCT # 323672XX XXXX XXXX ACCT # 121780XXX  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 XXXX : 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 non-monetary relief
Consumer complaint received 2022-10-10 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: CA

Complaint narrative:
I have filed a dispute with Experian multiple times in regards to XXXX XXXX and XXXX incorrect on my credit report. I paid XXXX off the loan was XXXX I paid them over XXXX The loan was illegal in CA and Experian is blowing this off. I am not paying anymore to these fraudsters XXXX and XXXX or XXXX who is now out of business due to their 138 % percent interest rate loans being illegal. These negative items need to be removed from my credit report ASAP as Experian is taking 3 days to dispute then stating valid. Both XXXX and XXXX removed XXXX and XXXX me from my report 2 years ago and Experian has done a poor job of protecting me. I refuse to pay something I do not owe, let alone something so illegal. This company XXXX has nothing about this and XXXX is defunct.

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 2022-10-10 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: CA

Complaint narrative:
I had my identity stolen multiple times one incident a XXXX XXXX a XXXX XXXX XXXX man stolen my identity out of the XXXX XXXX XXXX area he was arrested and sentenced to 9 years in state prison after that I have never been able to get my credit reports back on track Im have a specially hard time with XXXX credit reporting services they are blocking me from disputing anything and I have to go through one person which is a XXXX XXXX and she never returned my phone calls, so I am stuck on fairly with a bad credit report due to this man and other people stealing my identity

Company response to consumer: Closed with explanation