vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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:
Called Edfinancial on XX/XX/XXXX to request a refund for the total amount of payments I made during the pandemic, when payments were paused and not required. The first rep I spoke to was not very knowledgeable and gave bad info more than once. I first tried confirming whether or not Edfinancial had my income information on file. I was told by the first rep that they did not ; however, I am enrolled in a income driven repayment plan, so they would have to have my income info on file. The representative 's first answer was for me to call the dept of ed. 

I then requested a refund and was told that the amount being refunded would only be {$800.00} or so dollars. This was very confusing to me since I've made almost XXXX XXXX in payments since XXXX XXXX XXXX Again i was told that I'd have to call the dept of ed for more info ; however, after some time of arguing and trying to reason with the rep, the rep then realized she made an error, recalculated, and then advised that my total refund amount would be {$2700.00}. This is still inaccurate because the total amount in payments I've made since XXXX XXXX XXXX is exactly {$2800.00} ; however, I did not realize this error until the day after. 

I was then told by this rep that it could take up to 6 months until I get my refund. I was also told that my balance would be reinstated back to its original balance, before I made those payments, in the coming days, even if my refund hasn't been issued to me. 

I then called back and spoke to rep # 2 on XX/XX/XXXX to confirm that my refund was being processed. While speaking with rep # 2, I was advised that my loan balance won't be reinstated until I received my refund. 

I feel like I was given completely wrong information. Not to mention, other loan servicers are processing refunds in sometimes 72 hours, yet Edfinancial doesn't even know when they will be processed/ issued. 

I now have received in the mail ( XXXX ) a letter from Edfinancial advising me that my personal data may have been stolen in a security breach with XXXX This is absurd.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX obtained my consumer credit report on XX/XX/2022 without my consent from Experian with no lawful good reason. I do not do business with them and never attempted to. This violates my privacy rights and is of grave concern to me since I continue to be a victim of identity theft and Experian has neglected to remove fraudulently and inaccurate reporting from my consumer report. I have also been denied for credit products recently due to these fraudulent items. I have called and sent a letter asking for this to be rectified and I have been ignored. 15 USC 1681 4 and 15 USC 1681 4 VIOLATIONS DO NOT TRY TO SAY THIS SI N'T ME AS A STALL TACTIC. I HAVE INCLUDED MY IDENTIFICATION!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NY

Complaint narrative:
I have asked the credit bureau to do a thural investigation to verify everything on my credit report and they did. It's stated that everything is accurate which that statement is wrong. I did my own investigating and found numerous inconsistencies on my credit report even after they did their 's. 

Account name : XXXX XXXX XXXX XXXX In accordance with the Fair Credit reporting Act. 
XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not publish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I opened a Wells Fargo credit card account. I've had to replace the card several times because each time I get a new card, I use it for a couple weeks without problem but then I begin to see several charges that are not made by me. In the last month, I've had charges upward of XXXX from transactions like XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've reported to Wells Fargo-they have credited some items, not all. I suspect that it's one of Wells Fargo 's employees who keeps getting ahold of my personal info. I never lend my card to anyone, all of the charges come at once because they know I always report the card stolen when this has happened before. I will be paying the charges that correspond to me, disputing the rest and closing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CO

Complaint narrative:
South West credit system states I have a det of XXXX I have never work with any company they do business with. Or this deat is per  XXXX XXXX deat. Any thing before XXXX was listed under the XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/22 I received written notification that my account with Capital One is now own by XXXX XXXX XXXX XXXX XXXX for the amount of {$710.00}. I received an email from XXXX XXXX XXXX on XX/XX/22. I am sending them a letter. I am a consumer and consumers have the right to privacy. I thought privacy is defined as the right not to have one 's personal matters disclosed or publicized ; the right to be left alone. In addition to consumers having the right to privacy is in violation of UCC9-109 ( d ) ( 5 ) which states that no creditor can transfer an assignment of accounts, chattel paper, payment intangibles, or promissory notes which is for the purpose of collection only. Capital One and XXXX XXXX XXXX has violated my privacy. All three credit bureaus are already violated my privacy by reporting Capital One on my consumer reporting file. I need some help with matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
On XX/XX/2022, i applied for a XXXX XXXX XXXX account to consolidate my credit card balances. I was quickly accepted and the process began working with the credit card companies to get a monthly amount to pay that was acceptable for them. I was informed by XXXX XXXX XXXX that I was to keep my balances clear of fees while they worked on the acceptance program. My XXXX credit card was accepted immediately. While my milestone credit card took another XXXX months. On XX/XX/2022, milestone XXXX XXXX accepted an offer from XXXX XXXX XXXX. I paid my credit card bill for milestone every month and had no late fees. Once they accepted the information I was also informed that i didn't have to continue to pay that credit card bill as XXXX we're taking care of it. Fast forward XX/XX/XXXX, I have acuminated XXXX dollars in late fees and my credit took a massive hit. Milestone ignored the payment plan that they accepted and continued to charge me late fees. Now i don't think that it's fair in my case that my credit tanked XXXX points! All because of late fees that we're out of my control. i've worked with XXXX XXXX XXXX to resolve the problem and they've done everything that they could to get my account back to what it was. Milestone have told XXXX that they would fix my account and I've yet to see any real change. DO NOT GET A MILESTONE CREDIT CARD. Worst customer service on the planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I was told that there was a credit card that I owe {$2800.00} for on my XXXX credit report that is not mine. And theres an account number of XXXX I called Midland funding who has it in collection trying to collect for me and I told him it was fraudulent and they were asking me for a affidavit fraud affidavit to send them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MO

Complaint narrative:
I am a co- borrower of XXXX XXXX Options XXXX XXXX. XXXX  XXXX filed XXXX listed XXXX and Salle Mae . Received dicharge in XXXX they did not object, did not do a lift of stay to try to secure anytype of poayment, based on thier statement. they have not recoved any paymenrs from XXXX. Ordinarily unsecured loans ( such as private student loans ) are fully dischargeable in bankruptcy. Sallie Mae likes to use 3.Any other educational loan that is a qualified education loan, as defined in IRS Code 221 ( d ) ( 1 ). See 11 U.S.C. 523 ( 8 ) ( B ). 
I did not recieve any education benefit, I did not receive a 1098-E. 

Courts find that the second exception does not apply either. A private student loan is not a scholarship or stipend, and the overwhelming body of judicial authority finds that it is not an educational benefit either. See Homaidan v. Salle Mae , Inc., 3 F.4th 595 ( 2d. Cir. XXXX  ) ; In re McDaniel, 973 F.3d 1083 ( 10th Cir. XXXX  ) ( No normal speaker of English ... would say that student loans are obligations to repay funds received as an educational benefit ) ; In re Crocker, 941 F.3d 206, 209 ( 5th Cir. XXXX  ). That a private loan is an educational benefit is inconsistent with the full text of 11 U.S.C. 523 ( 8 ) the other two exceptions would be unnecessary if education benefit included loans. Such an interpretation is also inconsistent with the provisions legislative history.

The Bankruptcy Code determines whether a private student loan is a qualified educational loan based on a definition set out in the IRS Code to determine if student loan interest is deductible from income for federal tax purposes. That IRS definition of a qualified education loan requires the loan be used for qualified educational expenses by an eligible student attending an eligible educational institution. As a result, this requires a creditor bear the burden to show a private student loan meets ten conditions If the lender can prove that all ten conditions apply, then the loan is only dischargeable if the consumer can show undue hardship. But at the time of loan origination if any of the ten conditions do not apply, then the loan is dischargeable 5. The Course of Study Must Qualify : enrollment must be in a course of study leading to a degree or certificate. See 20 U.S.C. 1091 ( b ) ( 3 ). A short-term course not leading to a degree does not qualify.

At the time of the loan orignation the Major listed ( course of study ) on the Promisry notes staes OTH. for all three years. 

XXXX there is no rate type on this promissory note.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Gatestone & Co. International Inc.
State: CA

Complaint narrative:
this company named Gatestone keeps calling me about some online loan that was taken out in my name. I already provided my fraud report and now they are calling my ex-husband whom i have not been married to for years. I called and was left on hold. Then a XXXX or XXXX XXXX came on the line. I told her Gatestone must " cease and desist '' she told me she can't do that and needs her supervisor. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and know the laws and my rights as a consumer. I was left on hold for XXXX minutes and finally hung up. They continue to call me and other people for me. I had a horrible thing happen to me with this fraud and have been dealing with it for months. This Gatestone company is violating the FDCPA, specifically my cease and desist demand. I have consulted XXXX XXXX and will be filing suit against Gatestone. I've never been in collections in my life and this company is violating my rights and i'm sure several other consumers. XXXX has issued a call for Class Action as i'm sure we will have no issues with other consumers coming forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: GA

Complaint narrative:
Hello during COVID, it was very hard to keep up with bills throughout the pandemic. Recently I looked at my credit report and saw way more late payments than I ever missed. I disputed with the company to make sure that everything was correct and they reported back results that were accurate. However ; there are discrepancies amongst the other credit reports as well. 

On my XXXX credit report XXXX Account # XXXX, showed that I had a late payment on XXXX of XXXX. That same account on my equifax shows that I have a late payment on XXXX of XXXX. Once again, that same account this time on my transunion report showed a late payment on XXXX of XXXX. 

I have the same situation on my XXXX report with XXXX  Account XXXX XXXX, My late payment history shows two late payments, one on XX/XX/XXXX & another on XX/XX/XXXX. 
However ; on my equifax report theres only one late payment on XX/XX/XXXX. 

I am trying to get a home and I find it really suspicious that after disputing my report with the credit bureaus all of the disputes came back correct and unchanged. I would like to receive some monetary compensation for each of these violations. I would also like to have these late payments completely removed off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I am writing because my beloved home is being foreclosed. 
For 20 years I was a loyal customer of XXXX XXXX XXXXXXXX. I had not only a mortgage account with XXXX XXXX XXXXXXXX but my personal and business accounts as well as multiple lines of credit. During this time I had never been late on a payment and my credit rating was good. 
The mortgage was on my personal home As happens in life, issues and illnesses occurred. After being diagnosed with XXXX, before the onset the pandemic, I advised XXXX XXXX XXXXXXXX that I was facing some financial struggles. At this point I had still been making my payments. I did so until XX/XX/20. As a XXXX single woman undergoing regular XXXXXXXX XXXX I began to fall behind. I communicated with XXXX XXXX XXXXXXXX and we discussed a loan modification. I was told that someone would reach out to me. 
Over the course of several months I called multiple times, each time I spoke with someone different and was never able to get any information regarding the status of my application. I was even given a Dedicated Customer Relationship Manager ( CRM ), her name was XXXX XXXX ( Letter attached ). I was never able to reach this person. 
XXXX went on and I was unable to make my payments. 
XXXX XXXX XXXXXXXX sent me letter after letter stating that I was being considered for a loan modification but I was never able to get through to anybody. 
I was then informed that the company Shellpoint now owned my loan and they informed me that XXXX XXXX XXXXXXXX had provided no paperwork or information regarding my XXXX XXXX. 
I am presently in foreclosure and I need some guidance to stop this process immediately. 
I am attaching documentation from XXXX XXXX XXXXXXXX and Shellpoint. Please let me know what other information you would need from me. 
I would like to file a complaint against XXXX XXXX XXXXXXXX and Shellpoint at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: IL

Complaint narrative:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. 

This is being reported to the credit bureaus and lowering my credit score. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: NC

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX To whom it may concern Delete this account because : 1. It was illegally re-aged. On my XX/XX/XXXX report it shows XX/XX/XXXX, and on my XX/XX/XXXX report, it now shows XX/XX/XXXX in the dola. *see attached document * 2. Account number is different *see attached document* 3. The amount is different *see attached document* This is damaging my credit because they are allowing this company to report illegal, inaccurate and incomplete information on my credit report. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I Have identified information in my consumer credit report/ file that is a result of identity theft. These items are not related to any consumer transaction completed or initiated by me the consumer. Please have them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. This is being reported to the credit bureaus and lowering my credit score. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation