vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Three unauthorized credit inquiries that were not authorized by me

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX XXXX XXXX Account Number : { XXXX } { XXXX } Date of Charge-Off : { XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX } 2024 It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: DLF Law Group, LLC
State: MI

Complaint narrative:
XXXX XXXX, XXXX initial communications with me concerning an alleged debt by which they bought from another creditor filed a lawsuit against me in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have responded with a motion for summary judgment on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX 
I have never heard of or did business with XXXX XXXX, XXXX, or had contact with them prior to this suit. XXXX XXXX, XXXX supports their claims to count ( 1 ) with illegal and/or criminal documents in violation of Michigan usury XXXX where their interests rate of 209.42 % for exceeds XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). and therewith is non enforceable. 
In XXXX XXXXXXXX XXXX count 1-2 ) they have submitted documents with no specific/authorized signatures of and agreement between us. 
After I requested a validation letter of account numbers they only sent me one account number that do not match any of the documents in their filings. This violates Michigan Statute of frauds law MCL566.106 and ( MCL 566.108 ). Therefore it also is non enforceable. 
I have come to believe from reasons above that XXXX XXXX, XXXX is in violation of Federal FDCPA consumer protection laws section 1006.42. Sew. 
I believe this company purpose is to abuse, oppress, and harass me for a debt I did not agree to or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting 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:
I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : 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

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to inform you that I am a victim of identity theft, as confirmed by a recent data breach. Due to this incident, my personal information was compromised, resulting in fraudulent accounts being created in my name without my knowledge or consent. In accordance with the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts be blocked and permanently deleted from my credit report. 
Please find the list of fraudulent accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of certain accounts and inquiries from my credit report due to my status as a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to request that any accounts resulting from identity theft or data breaches be blocked and deleted from my credit history. 
The accounts and inquiries that need to be addressed are as follows : XXXX Accounts : XXXX. XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Amount : {$320.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I traded the 2021 XXXX to XXXX XXXX on XX/XX/XXXX, when we purchased a new truck. The dealership failed to pay off the loan on the trade. They said they made a mistake and paid all but {$290.00} of the balance. When we learned it was not paid off, we called the dealership that said it was a mistake and they would next day air the payment. I also called the credit union and explained what happened. I also offered to pay the {$290.00} but they said I had to call back later. I the. Reviewed a letter from the credit union stating that if it wasnt resolved by XX/XX/XXXX, there would be a delinquent mark on my credit. I called the credit union back on XX/XX/XXXX to confirm it was paid in full and they said it was. I am not sure why the reported it as delinquent after I explained the issue, tried to pay it over the ohone, and had it resolved before their self imposed deadline.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Immediate Deletion XXXX XXXX XXXX Account/ Violation of Privacy Dear Sir/Madam , I am writing to formally request the immediate deletion of my account with XXXX XXXX Acceptance and to report a violation of my privacy rights by TransUnion. I did not provide oral or written consent for TransUnion to share my personal information with third-party companies, specifically XXXX XXXX XXXX XXXX XXXX 

According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, section 602 ( a ), it is imperative that consumer reporting agencies operate with fairness, impartiality, and respect for the consumer 's right to privacy. As a consumer, I have the right to ensure that my private information is not shared without my consent. The FCRA emphasizes the need for accuracy and fairness in how my personal information is handled by Credit Reporting Agencies ( CRAs ).

Furthermore, 15 USC 6801 establishes that financial institutions have an ongoing obligation to respect the privacy of their customers and to protect the security and confidentiality of nonpublic personal information. The actions of TransUnion in this case indicate a clear mishandling of my personal information, which is alarming and unacceptable. 

I urge the CFPB to hold TransUnion accountable for these violations of the FCRA and to ensure that my rights as a consumer are upheld. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your assistance.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On Monday, XX/XX/XXXX, I requested Equifax look into removing a XXXX XXXX credit card account from my credit report. I used to be an authorized user, but requested that the primary account holder remove me in XXXX of this year, and they complied. As of the present complaint, two reporting agencies have removed this information for myself, and all three agencies have removed it for my husband, who shares the same finances and situation. I have made two requests to get this information removed, each time pursued through different dispute means ( different categories of dispute ). In both cases, they have maintained that the account has been verified as accurate, despite the account being removed by other credit reporting bureaus for both myself and my partner, i.e. five out of six scenarios. Currently, Equifax is the only bureau who will not remove this account that is negatively impacting my credit score by about XXXX points ( when compared with the effect of removing it in the other situations ), and that includes my husband for whom Equifax did remove the account as he asked to be taken off the same account at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts and inquiries listed below that have appeared on my credit report. As a victim of a recent data breach, these accounts were opened or accessed fraudulently without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove and prevent further reporting of these accounts. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of accounts and inquiries listed below that have appeared on my credit report. As a victim of a recent data breach, these accounts were opened or accessed fraudulently without my knowledge or consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that you take immediate action to remove and prevent further reporting of these accounts. 
The fraudulent accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

XXXX XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
On XX/XX/year>, I had 7 different companies on the same day that pulled my credit report without my knowledge and consent. These are the following companies. 

XXXX XXXX XXXX XXXX XXXX Americredit Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting 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:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Estimated Month of Deletion on Credit Account Dear XXXX XXXX, I hope this message finds you well. I am writing to formally dispute the inaccuracy of the estimated month of deletion listed on my credit report, as provided by XXXX. The reference number for my credit report is XXXX. 

Upon reviewing my credit report dated XX/XX/XXXX, I noticed that one of the accounts, listed as XXXX XXXX XXXX XXXX has an estimated month of deletion that does not align with my records. The account number in question is # XXXX. According to my records, this account should be deleted from my credit report in XX/XX/XXXX, rather than the current estimated month of deletion of XX/XX/XXXX. 

I have attached supporting documentation, which clearly indicates the timeline for this account 's deletion. 

I kindly request that XXXX investigate this matter and update my credit report to accurately reflect the month of deletion for this account. An inaccuracy on my credit report can significantly affect my credit score and my ability to secure loans or credit in the future. 

Please acknowledge receipt of this letter and provide me with updates regarding the progress of my dispute. Thank you for your attention to this matter. I look forward to your prompt reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I started XXXX XXXX on XX/XX/XXXX I wrote the school a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX has received a {$5000.00} XXXX and XXXX XXXX  in my name the XXXXXXXX totaling XXXX. The day XXXX XXXX XXXX XXXX XXXXXX/XX/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  and I could not understand them. On XX/XX/XXXX I called XXXX XXXX and they informed me that I had 120 days to give the XXXX back upon dropping out. I spoke with XXXX XXXX, who told me they calculated my hours and took the XXXX They took the XXXX XXXX XXXX XXXX  which was too much to be taking for 3 months of being at the XXXX XXXX XXXXXXXX was supposed to send the XXXX  back to XXXX XXXX XXXX XXXX XXXX XXXXXXXX instead they kept the money leaving me with a XXXX. I am not responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXXl price at that time was XXXX. The last email I received from the XXXX was XXXX about XXXX XXXX  The school is trying to find away to keep the money which is fraud instead of sending it back

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 2024-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I started XXXX XXXX on XX/XX/XXXX I wrote the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX  has received a {$5000.00} XXXX and XXXXXXXX XXXX in my name the XXXX totaling XXXX. The day XXXX XXXX XXXX XXXX XXXXXX/XX/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  and I could not understand them. On XX/XX/XXXX I called XXXX XXXX and they informed me that I had 120 days to give the XXXX back upon dropping out. I spoke with XXXX XXXX, who told me they calculated my hours and took the XXXX They took the XXXX XXXX XXXX XXXXXXXX which was too much to be taking for 3 months of being at the XXXX XXXXXXXX XXXX was supposed to send the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX instead they kept the money leaving me with a XXXX  I am not responsible for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  The XXXX price at that time was XXXX. The last email I received from the XXXX was XXXX about XXXX XXXXd. The XXXX is trying to find away to keep the money which is fraud instead of sending it back

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