vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I am requesting a full refund on the {$8000.00} I paid in XXXX subsidized federal student loans during the period XX/XX/XXXX - XX/XX/XXXX. I paid this amount in XXXX increments of {$2000.00} during this XXXX period to my original loan servicer, Cornerstone Loans. I attempted to contact Cornerstone Loans, however, all of their information is defunct as the company has completely shut down as of the end of XXXX. According to the information on my studentaid.gov dashboard and email confirmation from the U.S. Dept of Education, my loan information was successfully transferred to FedLoan Servicing ( PHEAA ) as of XX/XX/XXXX, and FedLoan is my current servicer.

I made a call to FedLoan on XX/XX/XXXX to request information on my federal subsidized student loan refund. However, the customer service representative was not able to find my information in the system nor provide me with an alternative solution/resources despite elevating the issue to their supervisor. Please note that I did not make any loan repayments to Fedloan Servicing, as my loan was fully paid off to Cornerstone prior to the transfer from Cornerstone to Fedloan Servicing. I was later informed by external sources that Fedloan Servicing should have my loan information on file, but in the Cornerstone conversion files, which the customer service agent was not able to assist with during the time of the call. 

I submitted a complaint last night ( XX/XX/XXXX ) to FSA Student Aid, however, I received a response today ( XX/XX/XXXX ) at XXXX XXXX  XXXX saying that they are unable to perform loan servicing requests and that I would have to contact my loan servicing provider. 

I called on XX/XX/XXXX at XXXXXXXX XXXX XXXX and spoke to a customer service representative. Because my information was not found in the system ( again ), she recommended I call the Department of Treasury because they're the ones who will issue the refund. However, the loan refund has to be processed with my loan servicing agent, which is FedLoans. I was placed on hold when I asked to speak to their supervisor to retrieve the Cornerstone conversion files. The call then hung up after XXXX minutes on hold and again, I did not receive a solution to my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Please see attached documents that have been downloaded with full detailed explanation. TY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing the complaint to remove inaccuracies from my credit report with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OR

Complaint narrative:
My student loans have been transferred, yet again, to a non-responsive servicer. I have tried to contact them, as requested in their " welcome '' letter, regarding the PSFL program ( payments counted, outstanding information, etc ) and get a answering system with a 20 minute voice message that repeats information multiple times without ever connecting to a person. I have created an account on their website, but the website provides none of the information that I am looking for. I am currently on hold with Mohela and have been for over 30 minutes ( after their non-information message ). It is obvious that this is yet another pop up servicer that does not have the resources to do the job they have contracted to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
In accordance with the Fair Credit Reporting Act XXXX 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 2022-09-20 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: GA

Complaint narrative:
This line of credit I have with XXXX / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXXXXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX XXXX XXXX the person that is making the report. 

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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 2022-09-20 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 — Investigation took more than 30 days
Company: Trust Financial LLC
State: CO

Complaint narrative:
In XX/XX/2022 I submitted a letter ( certified ) to Rocky Mountain Recovery asking for a validation of alleged debt, which they received ( I attached the certified tracking receipt ) They never responded. I submitted a follow up letter in XXXX, again they have not responded. The information they have reported that is unvalidated is damaging my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Possible Financial Inc
State: IN

Complaint narrative:
I have checked my credit and found a account that wasn't mine I tried calling the company 's phone number just to find out it is a automated number and doesn't connect to a service representative and it then hangs up on you I have then went online to search for other numbers and have ran into the same thing saying this company does not have a phone service I have emailed the company just to have them tell me they are looking into it and then emailed me back saying we can no longer investigate this claim without a police report and still no phone to contact anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 a 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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a check for an Escrow Surplus. On XX/XX/XXXX, I realized I had not cashed the check, so I contacted Key Bank and spoke with XXXX. She informed me they were aware, and that they would issue a new check for the same amount. She mentioned I would receive the check within ten business days and that I should not cash the old check. For this reason, I wrote void on the check and kept it in my personal file. I never received the new check, so I call the bank back. On XX/XX/XXXX, I spoke with XXXX, where she apologized and told me they would issue the new check within five days. Once again, I did not receive the new check, so I called them back. On XX/XX/XXXX, I spoke with XXXX where she claimed they were aware of the situation and she requested I send a copy of the uncashed check to a person at the bank named XXXX at XXXX. During each conversation, they stated they would contact me if they wanted more information from me. Again, they did not send the check as they promised, nor did they contact me. After I complained to them about their poor service, XXXX called me on XX/XX/XXXX, to inform me they would XXXX  the new check to compensate for their poor service. Because no check arrived, I had to call the bank back to inquire further on XX/XX/XXXX. I spoke with XXXX who claimed that they tried to reach me via my email ; however, this was another lie. By this point, she referred me to XXXX, and told me I would probably have to call the Ohio Department of Commerce to request the money owed to me by Key Bank. She also mentioned that XXXX would call me back to see what could be done. After some time, XXXX called me and told me he did not know about the situation although he had the notes from the previous calls, and he stated he would get back with me after he investigated the matter. Time passed, and he finally returned my call. He informed me they could do nothing about the check and that I would have to contact the Ohio Department of Commerce to request my funds. When I called the Ohio Department of Commerce, they mentioned the bank did not send my check to them and that it would probably take time to research the matter. I feel the Bank has been giving me the run-around and intended for me to give up on the amount so they could keep the funds. If they are doing this with me, I feel this is a systemic problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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 tried numerous times of getting a response to these fraudulent charges on my identity and XXXX  XXXX continues to report these items without MY WRITTEN INSTRUCTION TO OPEN THIS ACCOUNT under Section 611 fcra XXXX  XXXX continues to fail at giving me a METHOD OF VERIFICATION Attached below : POLICE REPORT AND FTC IDENTITY THEFT REPORT. 
FCRA 605B In Accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # 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. also states a consumer reporting agency CAN NOT FURNISH a account WITHOUT MY WRITTEN INSTRUCTIONS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
In the month of XXXX, my checking account was in the negative from an online XXXX account falsely charging approx. {$800.00} for a product I did not receive. This began setting my account in negative with multiple OD charges. I contacted XXXX and company to resolve matter, initially returning half the amount immediately and then once investigation completed the remainder of monies returned to my account. At the same time my place of employment, where I have biweekly XXXX XXXX  paycheck automatically deposited for past three years, was bought by a new company XXXX. My pay check was now delayed an additional week, and initial payment was a check. I deposited check as soon as possible due to my OD account knowing I have automatic monthly payments also due. The initial hold was three days, releasing {$100.00}. I needed to grocery shop and purchase gas as I knew this check would clear soon. This morning four days after initial deposit the check total amount ( approx ) {$1700.00} was taken back out of my account and placed on additional 6 business day hold. I now have no monies available for the rest of the month, and a total OD to present date for XXXX is over XXXX XXXX I called the bank today to discuss releasing check and removing some of the OD charges. The did not remove any charges and are looking into the bank hold. Meanwhile I am sinking with a mortgage and XXXX  XXXX payment pending. Please help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-20 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: FL

Complaint narrative:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX via third party reporting agencies who have no lawful standing for violating my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing complaint because I am disputing that the information is not accurate on my credit report against Transunion.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
US Bank has been deploying unethical practices in the way it interacts with consumers. In my case, I serve on the board of a non-profit that has a banking relationship with US Bank. We were told our account wouldn't have any fees, but it did so we requested to close our account. We followed their instructions and submitted the written request to close our accounts back in XXXX of XXXX. I've called in more than 8 times over the last 3 months to get updates because they never respond via the email they instructed we send the notification to. During this time they've continued to charge fees. I call in again and they ask me to send the same form, which I comply and send again ( I've sent the form 3 or 4 times now ). After 3 months I finally get a response to my email saying they can't close my account because I've requested the fees be refunded and I need to call on that. Interestingly enough, I had already called on that, but they didn't say I had to call a separate department to make that request as well. They're continuing to use delay tactics and charge fees. As of today the account is still not closed.

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 2022-09-20 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: NJ

Complaint narrative:
Problem with TransUnion and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. TransUnion is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called XXXX, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

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 2022-09-20 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: UPGRADE, INC.
State: NJ

Complaint narrative:
Problem with XXXX and XXXX XXXX XXXX. This dept is going to be XXXX XXXX XXXX, XXXX reopened my account without any given knowledge or reason. XXXX is treating this as a new debt, by stating the fact that i had one missed one payment this month. This action not only had lowered my credit score. But a loan credit card i have, called Upgrade, cut me off from using it. The card is paid well and on time, upgrade is another complaint. The Statius of this credit card changed when XXXX XXXX reopen the old loan, and then first missed payment reported. Can you please do something to correct this situation. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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:
well I have inquiries on my credit report that do not belong to me, there are 13 inquiries, I have false names and addresses that do not belong to me as well as collections, I have called and disputed online, but it is very difficult because they do not know my right to dispute even my real name, telling me that the process went wrong and that it is 30 days, on the other hand that affects me having so much fraudulent information in 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 2022-09-20 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: FL

Complaint narrative:
Despite three written requests, an unverified physical address remains on my credit report in violation of Federal Law. It has been found that the physical address DOES NOT associate with me. This identifier has no relation to me and is on my report directly as a result of the creditor XXXX XXXX XXXX. I have attached supporting documentation in previous attempts that this creditor has been negligent with this information and this particular account and address needs to be deleted from my report immediately. If you review the response from CFPB Complaint # XXXX by the company Experian, they admitted to neglecting the removal of inaccurate information by stating " Regarding the disputed items, at your request to conduct a reinvestigation, we contacted the data furnishers and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported, HOWEVER, they MAY have updated other aspects of the accounts. '' The federal law is quite clear in this regard about inaccurate data. A complaint has also been filed with the Florida Department of Agriculture and Consumer Services with XXXX  # XXXX against Business titled Experian Information Solutions, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX with 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