vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
In accordance with the Fair Credit Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX, Account # XXXX Sunrise Credit Services , Inc, Account # XXXX XXXX XXXX XXXX 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 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 a consumer 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 explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: PA

Complaint narrative:
Good morning, My name is XXXX XXXX, and I was previously attending the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX PA XXXX. I begin my education at the location mentioned above on XX/XX/2022, and through the enrollment process I was told that I could possibly apply for financial aid in the form of a loan. I was told by the same department who consolidated my existing loan, that I would get an opportunity to review the loan, before accepting it, which Ive never accepted. 

Ive came to the determination that I would like to attend another program, and in the process of enrolling in the new program, they made me privy to the fact that I was eligible for a grant, which the previous Institute did not make me aware of. Instead, my previous school continued to guide me down the direction of taking out a loan, which I would not have done it if I would have known I was eligible for a grant. 

Since then, these loans have been placed on my credit report. When Ive contacted the school about the current situation, I was told that they were given the right to take part of my loan for their expenses. Expenses that I have yet been told for what. I was never aware of my loan being processed, approved, or anything, but the school took it upon themselves to acquire funds that I did not know were available. 

I would appreciate it if you could assist me in the matter and help me understand how my loan could be approved and processed, to the extent there is now additions to my debt, but Ive never seen any of the money from the loan. Before I attended the school, I had only 1 ( one ) school loan, now I have 3 other school loans attached to my credit, but never seeing any of it in my account, or in check form. 

Please, and thank you. 

XXXX XXXX ( 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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Transunion Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
in accordance with the fair credit reporting act XXXX XXXX and portfolio recovery 's 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 with out my written instructions. 

15 USC 1666B : aCreditor 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 2022-09-01 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: EdFinancial Services
State: IN

Complaint narrative:
Last Wednesday the XXXX of XXXX, I submitted a request for a refund on my student loans so that the balance can be reinstated before the XXXX administration begins the rollout process of forgiving loans. I was told the refund may take up to 150 days. However, I'm more concerned about the loans original balance being reinstated. I didn't receive any sort of email confirmation or anything.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
Inquires and accounts showing on my credit report that I did not consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I got XXXX Credit Card through a purchase of my new vehicle on XX/XX/2022. Every month I make a payment there is XXXX. I cant login or once they said they didnt get my payment and I paid 2 weeks in advance. Its impossible to login to there site. They want you to go paperless. So when you go paperless you cant get I touch with no one on the phone. This bank deal with poor people or people whos credit is less then perfect. Its so frustrating dealing with them. They dont seem to care about the people. Its like they are trying to make the people fail or fall behind. Were trying to rebuild our credit. I wish to XXXX I could pay them off and never have to deal with them again. I supposedly have rewards points. I tried redeeming them but it can only be done online. Its a catch 22. If I cant get online how do I redeem these mysterious points? 
There are other credit card websites which run more smoothly. This Comenity Bank makes me want to quit. I know Im not the only one. Is there any help? Is there a faster way for me to pay them off. Seriously. No gimmicks.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In my last communication with TRANSUNION, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Experian Creditor : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXXXXXX XXXX XXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
I sent in a dispute letter on XX/XX/2022 in regards to the account National credit adjustment # XXXX being reported by XXXX. I did not receive any type of correspondence which validated the account. I do not owe this debt not to mention I never authorized anyone to use my information to obtain this alleged debt.

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

Complaint narrative:
On XX/XX/ 2022 I requested a refund of a payment I made back in XXXX of 2022 for a total of {$3500.00} from Edfinancial. They told me at the time to wait 60 business days. In late XXXX when I emailed around the 30 business day mark, they told me to wait 90 business days. I emailed them again shortly before XX/XX/2022, and they told me to wait 120 business days when I was originally told 60 business days which has come and gone. I just want my payment refunded. I see other student loan servicers get refunds out to others within weeks, its been nearly 4 months for me. Ive even seen people who have requested refunds on XX/XX/XXXX and XXXX already get theirs processed from Edfinancial due to complaining, when I still havent received any correspondence on my request.

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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've identified information on my report as identity theft. The items are not related to any transactions completed by me. See attached.

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 — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR

Complaint narrative:
Capital One is negatively reporting an old closed account that is paid in full on all three major credit reporting agencies. The first delinquency on this account was over seven years ago. I did dispute this exact account last year and they did take it off for a few months and then it reappeared with a new incorrect first delinquency date so they can keep getting away with reflecting it on my credit report longer then seven years wich is illegal.

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: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXX XXXX  XXXX XXXX XXXX, 2022 XXXX XXXX XXXX 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Auto Pay for Home depot didnt work for some reason and I became behind on a single payment. Tried contact card service but the automated system has me stuck in a loop where I can't make a payment do to technical failure of the Home Depot card service phone and web systems. The customer service is completely automated and I am unable to even talk to a person about my issues. I have been regulated to wait for them to call me but the use a automate system for that too that also can not process my payment.

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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Equifax XXXX : XXXX XXXX XXXX, Account : XXXX, Creditor : XXXX XXXX XXXX XXXXXXXX, Account : XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

Company response to consumer: Closed with explanation
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: CA

Complaint narrative:
On Wednesday, XX/XX/2022, I called & requested a refund from Edfinancial for payments I made toward my loans during the pandemic. I wasn't aware that was something I could do until that day -- otherwise, I would've requested a refund a long time ago. They notified me that it would take XXXX business days to process the refund, plus an additional 60-120 business days after processing approval to receive the refund itself & have the loan balance reinstated on my account. I am a pell grant recipient & am eligible for {$20000.00} in student loan forgiveness. Throughout the pandemic I made {$7900.00} in student loan payments. I actually stopped paying because I couldn't afford to keep making payments. I needed that money then & I especially need it now.

Other student loan servicers are quoting 4-6 weeks for refund timelines. Edfinancial seems to be the only one quoting us at 6-12 months to receive our refunds. I'm requesting the refund because I need my money now -- not in 6-12 months. Edfinancial also stated that they won't reinstate the money on our accounts until after the refund has been deposited to us. Additionally, they can not send us any confirmation email or record that they sent our refund requests. This raises many concerns for me. It appears they do not want to give us back our refunds at all. I don't expect to get my money back immediately. I understand they're overwhelmed, but not providing confirmation makes me feel like they don't intend to give me my money back.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted the credit bureaus to asked them to do a good review of my credit reports to make sure all reporting to my credit is actually good, they did that, but i did research after they said they did and i found things that are not consistent and also things that does not belong to me. 
Account numbers XXXX, XXXX, XXXX, XXXX in accordance with the fair credit reporting act XXXX  the account numbers listed have violated my right 15.u.sc1681 section 602A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. I also read on a online information by a lawyer said the credit reporting agency have 30 days to respond or the accounts must be deleted from my credit report.

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

Complaint narrative:
In my last communication with EQUIFAX, they responded that they verified that the accounts that I disputed were accurate. I would like to know what method of investigation was used to verify these accounts and inquiries. 

According to 15 USC 1681b any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

Was a court order issued or was my written permission given? This is defamation of character and aggravated identity theft. I have attached dispute letters with the accounts, inquiries and late payments that I want removed and updated along with an ID Theft Report and an affidavit of truth. My next step will be a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage was transfered from XXXX, to XXXX XXXX XXXX and then to ( my current ) Mr Cooper. On XX/XX/XXXX, I made XXXX XXXX payment to XXXX XXXX. I soon after received a notice that loan was being transferred to Mr Cooper and that payments made up to two weeks before XXXX would be forwarded to Mr Cooper. I tried to make a XX/XX/XXXX payment with Mr Cooper on XX/XX/XXXX but Mr Cooper said my account would not be set up until XX/XX/XXXX so I made the payment to XXXX XXXX  to avoid any late payment on XX/XX/XXXX. On XX/XX/XXXX I made my XX/XX/XXXX Payment to Mr Cooper. I was then notified that I had missed a payment ( the XX/XX/XXXX payment that went to XXXX XXXX ). I have called them at least 10 times to get this corrected I have exchanged several emails with them ( Mr Cooper ) I have sent them PDf from my bank checking account showing that they ( or XXXX XXXX ) got the money from my account. They agree that they got the money but THEY CAN '' T FIGURE OUT WHAT THEY DID WITH IT so they cant correct my account until they find they error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Armada Corp.
State: WA

Complaint narrative:
I was recently notified about my social security number being on the dark web. As such i pulled my credit report from each bureau for review. I found a debt collection on my XXXX report ONLY from a company called Armada Corp for {$250.00}. 

I filed a dispute with XXXX and reached out to Armada. Armada could not give me any information about this debt without asking me to confirm personal information about myself or account. I stated repeatedly that i do not have an account with them. They seemed more interested in getting money from me than looking into my fraud dispute. 

I reached out to XXXX and they requested i send them a copy of my drivers license, social security card in the mail. When i mentioned not feeling comfortable putting those sensitive documents in the mail the agent applied pressure by reminding me that its affecting my credit report and it will take 7 years for the item to drop off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: LA

Complaint narrative:
Moneygram closed my account due to their risk model, but refused to provide an explanation as to why my account was flagged as high risk.

Company response to consumer: Closed with explanation