vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
In past years Fedloan and previous student loan service providers steered me towards Forbearance and Deferments. Yes, I was struggling and often unemployed or under-employed. However, I simply needed to get a monthly payment that I could handle. I was never told that interest would not stop and that these periods of time would count against me. Now, these past Forbearance and Deferment periods are equivalent to financial death sentences for me and my struggling family. As a XXXX and an older ( senior ) head of household impaired by XXXX and other health challenges, I simply am at my rope 's end. Please help me help my kids. Please. 


Please assist me in accordance to the U.S. Department of Education 's policy intent, to count these Forbearance and Deferment periods as qualifying payments towards my Public Service Loan Forgiveness ( PSLF ) & Temporary Expanded PSLF ( TEPSLF ) Certification & Application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: MO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.

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 2022-04-28 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: National Credit Adjusters, LLC
State: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor 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 2022-04-28 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account number # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-04-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx 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 2022-04-28 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # xxxxxx XXXX, XXXX  XXXX  XXXX Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxxx XXXX, XXXX  XXXX  Account # xxxxx XXXX, XXXX  XXXX  # xxxxxx XXXX, XXXX  Account # xxxxxxxxxx XXXX, XXXX XXXX XXXX  Account # xxxxxxxxxx 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 2022-04-28 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: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

4741

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

4741

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28 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: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
The Credit Bureaus stated Account Name & Account #, was properly investigated but how is that possible if the open date is inaccurate. the date last active is inaccurate. and the date last reported is not accurate. This ground for removal. They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on 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 explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frost-Arnett Company
State: FL

Complaint narrative:
After noticing the derogatory remark on my Credit report I contacted them. to try to resolve the matter and was made to feel very uncomfortable and threatened to pay. So I made a payment to have it removed to only see that a month later I is back on my report but with another collection company .It went from Frost to XXXX XXXX XXXX  . I feel like my personal medical information is being passed around and used to get money from me in these tough times. I have been very irresponsible in the pass but I have learned to be more careful with my finances. Please help me to correct this situation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: AL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has 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 without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX Credit Card Holding Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-28 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  Account # XXXXXXXXXXXX, XXXX XXXX XXXX  Account # XXXXXXXXXX, XXXX XXXX  XXXX Account # XXXX, XXXX 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 2022-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
We signed up for a plan with XXXX phones with XXXX, as offered by a XXXX salesman . One of the phones did not work upon arrival, and the other never worked properly. The first phone was returned but we never received a replacement, even though they continued charging us. We were also told that the terms of the plan as described be salesman were not accurate. After weeks more of phones calls and broken promises, we began asking how we might terminate the contract. Finally, an associate, on a recorded line, agreed to terminate the plan with no further charges so long as we returned the second phone, which we did. We received a partial refund, for the phones and some for the phone line we were never able to use because we never had onXXXX of the phones. Later, XXXX began trying to recover the funds ( over {$200.00} ) through my husband 's credit card company, XXXX. They lost multiple disputes. After they lost one, they tried to reapply the charge as a " recurring charge '' even though the account had been terminated ; the credit card company again sided with us. He was also able to recover a bit more money in the process by disputing the older XXXX charges with XXXX. Now they are pursuing this through a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  Account XXXX XXXX XXXX ( XXXX ), has 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 an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ay open end consumer credit plan as late for anv purpose.

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 2022-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
It is under the law and model XXXX and XXXX that I be given notice about information being reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: GUARANTEED RATE INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to Guaranteed Rate. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted Guaranteed Rate about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to Credit due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from Guaranteed Rate. 

Instantly, I contacted Guaranteed Rate, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from Guaranteed Rate indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and Guaranteed Rate did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between Guaranteed Rate and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, ( This was an early payment for XX/XX/XXXX payment ) I made a mortgage payment to XXXX XXXX. The payment was for {$3400.00}. However, I was notified at the last minute that my mortgage was going to transfer to XXXX Mortgage. I contacted XXXX XXXX about this matter, and they told me that they were going to send the XXXX mortgage payment to XXXX automatically. So, given I was instructed this, I left the situation alone. In XXXX, I get a notice that my payment was not received. I called XXXX, and I was told that I was protected for 60 days as sometime mortgage companies are late with the transfer of payments. This past XXXX, I get a phone call from XXXX that they reported me to XXXX due to lack of payment. I asked them why, and they said that they never got the payment back in XXXX from XXXX XXXX. 

Instantly, I contacted XXXX XXXX, and they said they never got my XXXX 's payment. I called my bank and located the electronic payment, and it showed that I made the payment, and they received in on XX/XX/XXXX. In addition, I also have emails from XXXX XXXX indicating they received my payment. 

I have sent XXXX various statements, pictures and documents showing proof that I made the payment on time, and XXXX XXXX did not due their part in the transfer. This has been going on for about a month, and despite all of the poof I have shown, XXXX still will not remove the negative reporting on my credit. 

Given I have shown proven that I have made the payment, this is now no longer my issue. This is clearly between XXXX XXXX and XXXX. Despite this, they still say the same thing to me every week " we are investigating about the matter ''.

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 2022-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
XXXX  otherwise know as XXXX XXXX XXXX started unlawfully sending me collection notices on XX/XX/2022. This had been resolved in XXXX. XXXX  threatening again for ( 2 ) debts that are over 7 years old. Now they are somehow harassing me when make an inquiry on current credit cards, Im placed on hold, redirected to XXXX, where They claim that they didnt call me, rather, I called them. Obviously, this collection agency has found another way to harass me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
We have received repetitive texts from Cardinal Financial about a mortgage inquiry. My husband owns a mortgage group so I am obviously not interested. Today, XX/XX/XXXX I received another batch of texts around XXXX p.m. consisting of XXXX ( TWELVE!! ) texts in less than one minute. Its clearly spam from the fake conversations. The name of the person was XXXX tonight but similar texts have been sent like this in the past. This is harassment. My husband will be filing a complaint through XXXX channels as well as Cardinal Financial is violating best practices as a lender.

Company response to consumer: Closed with explanation