vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-31 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: MD

Complaint narrative:
I called EdFinancial on XX/XX/31 to inquire about getting loan payments made during the pandemic forbearance refunded. The website clearly states that I am able to do this. There are a couple of issues I am having with this process. 

First off, I am unable to see my payment history. Initially, the representative I spoke with said that because my loans were purchased by EdFinancial they did not have access to my payment history, even though the payments I made during the pandemic forbearance period were indeed to EdFinancial and not my previous loan servicer. After putting me on hold, the customer service representative I was speaking with said he had access to a tool that would find these payments, and after listing each payment to me one-by-one, I calculated the total to be {$1200.00}. I asked if my payment history would be updated on my website portal. He said it would not be updated. I asked if I had access to the tool he used to find the payments I had made. He again said no and told me I did not have access to this information. Apparently, I am to trust that this information is correct with no way of checking on my own. The lack of transparency is honestly troubling. 

Another issue I have with my interaction is the timeline for my refund to be processed. I was told it would take 150 or more days to process the refund to my account, well after the date during which applications for forgiveness will be available to submit. This wait time is unacceptable considering other servicers are giving timelines of XXXX weeks for processing of refunds to loan accounts. 

Furthermore, after submitting an application to get my refund processed, the representative did not indicate if I would get anything in writing, whether it be an email, text message, or note on my account. My impression is I have to just trust that the application was submitted and that things will be processed in a timely manner. Again, another example of a lack of transparency from EdFinancial. 

Lastly, I was told that the refund would " reopen my account '' after the forgiveness was processed, and that I would " accrue interest '' on the refund amount, since it would take them so long to process the refund. Again, this is unacceptable. I did not make a lot of payments during the pandemic, but I know people who did and are in this situation will now have to worry if they will be on the hook for large loan amounts after the forgiveness is processed for them, with no way of getting the loans forgiven after their initial forgiveness is processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect
State: FL

Complaint narrative:
To AMERICOLLECT : YOU ARE BREAKING THE LAW! 

This is a warning notice to the alleged wrongdoer of such debt : which you are a debt collector because you are simply attempting to collect a debt. Well multiple alleged debts. I noticed I have been violated pursuant to the FDCPA ( Fair Debt Collection Practices Act ). There is evidence of the use of abusive, deceptive and unfair debt collection practices. 

Until you can provide me with documentation stating that I gave you, Americollect my authorization and request to release my personal and medical information/records, i demand that you block and cease collections on the following accounts from my consumer report. 

-Americollect XXXX {$1.00}, {$1000.00}, {$710.00}, {$720.00}, {$150.00}, {$62.00}, {$110.00}, {$460.00} These violations have caused numerous injuries to my life. Under the Health Insurance Portability Accountability Act of 1996 ( HIPAA ), I reserve the right to private, personal and medical records from all third party reporting agencies and collection agencies. 

According to 15 USC 1692c ( c ) ( XXXX ) I am involving my specified remedies as a consumer and I am demanding all of the following : Provide proof of a contract between Americollect and I Stop all negative reporting scribing to all consumer reporting agencies Remove and block all negative reporting activity Zero out balance Remove any late payment reports Need a Full audit trail For each violation I would like to be compensated {$1000.00} You are civilly liable. If I dont receive a response that will result in additional violation to the FDCPA. 

This letter is a request for validation and remedy for violations continuing to report this medical debt without properly validating and providing me proof of permission is a validation of the FCRA ( Fair Credit Reporting Act ). 

You have 15 days to respond to this request or this alleged debt will be considered invalid and the demand for removal from reporting to the credit reporting agencies will be required! 

Best regards : Done in good faith. Without prejudice. All natural inalienable rights reserved. 
XXXX : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On Tuesday, XX/XX/XXXX, I deposited a check in my business account at Bank of America in XXXX XXXX, NC. I went inside the brick and mortar building. I tried to cash a check but I was told it would have to be deposited and I could get cash on Wednesday, XX/XX/XXXX. I asked the teller would there be a hold and she stated no there will not be a hold. This was at XXXX XXXX. At XXXX XXXX. I received an email stating that there would be a 10 day hold on the check. I would not have deposited the check if I had known there would be hold. I went to the back and they said it is nothing they can do because my account is so new. They cased the same check in XXXX. I called Bank of America and was told it is nothing they can do and that they can put holds as they see fit. This has caused my mortgage, car payment, and over XXXX of payments to bounce because I am not able to access money that I have earned. I don't know how I am going to recover from this but it is not fair. I could see if the business that wrote me the check was new but it is a school. I am education consultant. Bank of America could have released this hold but refused.

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 2022-08-31 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: Nelnet, Inc.
State: IL

Complaint narrative:
NelNet is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
We applied for a government loan modification and because they approved a repayment plan we were denied for the loan. The repayment plan is way beyond our means requesting a monthly payment of {$990.00} plus additional payment of {$860.00}. Mr. Cooper ( We fell behind with payments during my husband 's XXXX XXXX and recovery ) I requested a copy of the check that they actually paid for said property. Instead I was resent all Mortgage Paperwork. I have given them until XXXX XXXX to produce this copy of the check. We are maintaining that the repayment plan and mortgage itself used misleading or unethical tactics to persuade us to take out a loan not in our best interest. 

We are seniors age XXXX & XXXX. We live mainly on Social Security Income. I am sending a letter of appeal to them by Certified Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: KeyBridge Medical Revenue Management
State: OH

Complaint narrative:
I am being charged the same amount twice of {$5700.00} equaling {$11000.00} by this creditor

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I put my cousin check on my account and they closed my account and it it was no fraud transaction its just that the check had expired

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: PA

Complaint narrative:
I am writing this complaint based on the fact that i was let go from my job at XXXX XXXX XXXX  on XX/XX/2020, during the beginning of the COVID 19 pandemic, and at such time i was unable to pay my school loan bill with American Education Services. 

I talked to a representative on the phone and he he offered no possible way to help with my payments at all, not lower them not defer them or anything. The only option the representative offered was to default on my lone and after a month i would be able to enter in some sort of appeal. This was impossible for me to do because my grandfather cosigned the loan and if i was late on payments then he would have been penalized. 

It was a very hard time losing my job right at the start of the pandemic, and no one offered any help whatsoever in regards to helping sort out payments when i literally had no money. In fact i am even more in debt and now to family members because i needed to borrow money at a time when i had absolutely no income Making Payments are still a struggle as I never did find a job that paid as much XXXX the one I was let go from and American Education Services still will not offer anything in the way of help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: Medical Data Systems, Inc.
State: MS

Complaint narrative:
Company has stated that this information has been verified. I would like a complete audit trail of who furnished the account and how was the information obtained in order to verify said account in accordance with 15 usc 1681a ( e ) personal interviews must be conducted with neighbors, friends, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XXXX I deposited a XXXX dollar check into my account at Wells Fargo XXXX The pictures were very blury, but I the go ahead to deposit the check I was given two check marks meaning every thing was good.On the XXXX I had message stating I had not endorsed the check and they were placing a hold on money for a week .l called them immediately and talked to a banker, I explained this was not my fault it was their systems fault. I also stated I needed my money released so l could by groceries. They wouldn't lesson to me, I had to wait until the XXXX to get my money I am asking for XXXX $ for my pain and suffering.

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 2022-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime
State: TX

Complaint narrative:
I initially obtained a loan in XX/XX/XXXX for a car lease for a XXXX XXXX XXXX, I obtained a loan from XXXX XXXX XXXX XXXX XXXX, as of XXXX it was changed to XXXX. I am in Predatory loan and need help out ; I am XXXX upside down in this loan from XXXX they were going to report me to the credit agency for {$27.00} yes XXXX dollars. When you ask for extension, they put so much interest on the deferred payment plan. I don't think I will ever be done paying for this loan, Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: GA

Complaint narrative:
Department of edXXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is not a third party this is XXXX XXXX XXXX complaint. I XXXX XXXX XXXX did not give your consumer reporting agency written permission to include fraudulent information on my consumer report which is in violation of 15 USC 1681b- ( a ) ( 2 ). Based on my research I found out this is a violation under FCRA and that Identity Theft happens everyday and as a consumer I never benefited from the goods received. This fraudulent " XXXX '' account must be deleted immediately. Pursuant to 15 USC 1681 c-2 subsection ( a ) block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt of such agency. This request was NOT made in error. Its been more than 30 days and you as the Consumer Reporting Agency you are in VIOLATION of this law because I am a victim of Identity Theft! BLOCK AND DELETE THE FRAUDLENT ACCOUNT THAT I HAVE NEVER BENEFITED FROM THE GOODS. 

ACCOUNT : 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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i received a text alert that told me of a Credit breach. to see my real time score click here. link is for " XXXX XXXX' It requested information such as social security number, birthday, driver 's license information.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX is reporting late fees on all of my credit reports. It is improper use if my credit report and hindering me from home ownership

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 2022-08-31 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 disputed the bankruptcy information with experian credit reporting agency. They did not do a investigation on the information that they were reporting. They sent me email saying the information was verified with XXXX XXXX XXXX XXXX sent me a letter stating that they will not be reporting this information anymore.

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 2022-08-31 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: NC

Complaint narrative:
All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 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: NC

Complaint narrative:
All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. 

See attached documents for supporting evidence.

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 2022-08-31 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: NC

Complaint narrative:
All three credit bureaus have dismissed my disputes in the past and requests for validation, the documents attached prove XXXX XXXX XXXX has not validated, but perjured themselves. I demand these accounts by XXXX XXXX XXXX be deleted immediately. See attached documents for supporting evidence.

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 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
In accordance with the fair credit reporting act XXXX  Account # XXXX {$490.00}, Account # XXXX {$970.00} Account # XXXX {$1200.00}, Account # XXXX {$740.00}, Account # XXXX {$1400.00}, Account # XXXX {$400.00}, Account # XXXX {$390.00}, Account # XXXX {$480.00}, Account # XXXX {$820.00}, Account # XXXX {$1400.00}, Account # XXXX {$740.00} Account # XXXX {$4000.00}, Has violated my rights. 

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

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

15 Usc 1666B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any purpose, I demand each item be removed from my credit report immediately, I await your reply with the above requested proof, upon receiving it, I will correspond back with you by certified mail. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation