vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
I was charged interest on loans when I was under XXXX XXXX Bankruptcy protection filed in XXXX. DEPT OF ED / XXXX All balances from today 's report XX/XX/XXXX : XXXX. ) XXXX {$5900.00} High balance of {$4200.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$11000.00} High balance of {$8500.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5800.00} High balance of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$5700.00} XXXX XXXX of {$4000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$1100.00} High balance of {$750.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$3900.00} High balance of {$16000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX. ) XXXX {$610.00} High balance of {$2600.00} from XX/XX/XXXX to XX/XX/XXXX These accounts now have over $ XXXX in interest that has been added after I filed for XXXX XXXX protection in XXXX which STOPS and doesn't allow interest accrual. 

US Department of Ed transferred loan servicing to NELNET in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I met and consulted with XXXX XXXX XXXX on getting extra small XXXXXXXX XXXX, I decided to move forward with XXXX and I put down a {$100.00} deposit. On XX/XX/2022, XXXX XXXX XXXX installed XXXX extensions and placed the hair in two strand twist, on Sunday, XX/XX/XXXX I took down the two-strand twist, and to my surprise, there were several major issues. 

# 1 These weren't the XXXX  that she had shown me prior to installation. # 2. The XXXX  sizes ranged from large and med # 3. The colors were off. # 4. Some of the XXXX  weren't locked. # 5. The hair that was used is not 100 % human hair. I sent her several messages and texts on Sunday up until Tuesday and XXXX blocked me, so I went to the shop and spoke to the manager and he was able to contact her. She then decided to answer my messages only after the manager made her contact me. Her solution was to redo my hair after I purchased more hair, but at this point with her defrauding me, I was not interested in her doing anything else. I told her I would return the hair, but I was asking for a full refund and she declined. 

She's insisting that this hair is human, but two SMEs have analyzed this hair and both agreed that it is not human hair. I have also tested both the front and back and have also concluded that this hair is not human. I paid a total of {$950.00} and I would like a full refund. This business stated on their site that they were committed to providing Human XXXX extension and installation. and she fell short.On Wednesday, XX/XX/2022 I contacted XXXX back to let them know that I had been defrauded and scammed by XXXX XXXX of XXXX XXXX. 

I paid for human XXXX  extensions and install them only to find out they were not human hair XXXX  extensions in addition to other concerns.XXXX  said that there was nothing they could do and since this was paid via a third-party platform Zelle, XXXX recommended I contact Zelle to see if I could get my money back from them. I contacted Zelle and was told that there was nothing they could do. 

Before paying her via Zelle, I tried to pay this vendor via the XXXX XXXX, but it was declined several times, I reached back out to the merchant and she told me that the only other method of payment was via Zelle using her father 's account XXXX XXXX. I thought it was weird but wanted to get her paid. I transferred {$850.00} to his account with a {$100.00} deposit. A total of {$950.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I contacted Equifax Credit Bureau about unauthorized on my credit report and to have them removed. I was told that it was nothing they could do without additional info. I have know accounts related to these inquiries and would like them removed immediately. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: LA

Complaint narrative:
Equifax/Equifax credit bureau has constantly been dishonest, contradicting, deceptive, unfair, and willfully noncompliance. I became aware of my rights as a consumer, natural person, living woman that I have to give Equifax/Equifax credit bureau permission to furnish anything on my consumer report. First they claim they could not locate my report but now they are claiming I provided proof of identity, which I did not because Im not disputing anything. Equifax/Equifax credit bureau is sending auto generated responses ( I have proof of the current and previous responses I and others received from the Equifax/Equifax credit bureau ) and Equifax/equifax credit bureau is not taking my vital situation up seriously. I also did not send them a request about inaccurate items. Im enforcing my rights as a consumer/natural person/living woman for Equifax/Equifax Credit bureau to remove the items as I requested. According to the SSA a social security card is not use for identification, which Equifax/Equifax credit bureau is requesting. Equifax/Equifax Credit bureau removed one account but not the remaining accounts I requested to be removed. They are violating my unalienable right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I received notice from PROFESSIONAL PLACEMENT SERVICE LLC about an alleged debt reporting on my consumer report that I was requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210 ; therefor I demand VALIDATION and VERIFICATION of this alleged debt. I certified mailed this letter to PROFESSIONAL PLACEMENT SERVICE LLC on XX/XX/2022 which I have proof that I sent it and they received it. But never sent me the Documentation I requested. 

Once again on XXXX XXXX I sent PROFESSIONAL PLACEMENT SERVICE LLC another letter requesting all of the documentation for VALIDATION and VERIFICATION of this alleged debt they said I own them and one again they never sent it to me. now please keep in mind they I have gave them a substantial amount of time to get me all the documentation but they still haven't gave me what I asked for XXXX. Account number XXXX XXXX. Account number- XXXX XXXX. Account XXXX IN ACCORDANCE WITH THE FDCPA 15 USC 1692- I THE CONSUMER HAVE THE RIGTH TO PRIVACY ALSO IN ACCORDANCE WITH THE FCRA 15 USC SECTION 604A SECTION2 - IT STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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 — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: NC

Complaint narrative:
This company and XXXX refuse to remove the incorrect information reporting on my credit report. I have contacted both XXXX and the company XXXX and most recent was XX/XX/XXXX. The company is violating several laws. The company has refused to send any documentation bearing my signature to this date. They continuously reage the debt. The account was showing opened in XX/XX/XXXX, but the balance was updated XX/XX/XXXX. The account is listed as paid, was chargeoff. How can the account be listed as both. This is inaccurate. The account is showing past due 120 days in XX/XX/XXXX, but happened to 30, 60, 90 days past due. The original balance was showing {$6700.00} buth there is no past due amount but yet the Creditor updateed the status on XX/XX/XXXX to paid, was charge off. Under South Carolina law ( S.C. Code 15-3-530 ), the statute of limitations for most types of consumer and business debt is three ( 3 ) years. As an article from the U.S. Federal Trade Commission ( FTC ) explains, the statute of limitations typically begins ticking once a debtor fails to make payments on the debt.

I will sue both companies based on these laws ; 15 U.S. Code 1681a - Definitions ; rules of construction. ( k ) Adverse Action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: MI

Complaint narrative:
XX/XX/2022 I submitted a request for the cancellation of a duplicate ticket. Until this time I was unaware there was a duplicate ticket and when I became aware I immediate contacted alternative airlines because I also purchased cancellation protection in the event I had to cancel my ticket. However, upon requesting to cancel duplicate ticket I received many conflicting messages from the ticket has be cancelled, I only had one ticket and needed to change the date, and there is no duplicate ticket. Eventually I was told that I could not cancel the ticket after 24hrs ; by which the ticket was allegedly purchased on XX/XX/2022. I continue to explained to the representative that I could not afford to pay for the duplicate ticket as to I do not need it or can use the ticket. They continue on to say that they could only could give me credit. However I am not a big traveler, and I don't foresee me needing this credit for future travels. This trip was my friends birthday trip by which I was invited to go and it turned into a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: IN

Complaint narrative:
In accordance wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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

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 2022-08-28 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: IN

Complaint narrative:
In accordance wi the fair credit reporting act, Credit collection XXXX XXXX I account number 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

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 2022-08-28 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 — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: CA

Complaint narrative:
Complaint # XXXX was started on XX/XX/XXXX by phone. I was instructed to log into the site and attach documentation about XXXX/Loancare. When I logged in the only way to enter data is to start a complaint. Please advise if the complaint # is valid? 

See complaint # XXXX, filed XX/XX/XXXX Will attach the 4 pages of documentation requested by one of your customer service representatives on Friday XX/XX/XXXX. She gave us the websiteconsumerfinanc.gov. 
Upon entering the website there was no link or place to attach the 4 pages with complaint #. 
Please call me to verify that you have received the attachment of 4 pages. My name is XXXX XXXX cell XXXX XXXX XXXX I am providing mortgage to XXXX bank in Virginia. My monthly payment is {$1300.00}. I went into forbearance of XX/XX/XXXX through XX/XX/XXXX. Then I came out of forbearance by instruction of XXXX. I am current on my mortgage through XXXX. I wanted to refinance my house with a different lender so to get my credit ratings, we went to the credit bureaus. Only two of them accepted my credit. XXXX reported I did not make my payments from XX/XX/XXXX through XX/XX/XXXX. I notified XXXX of their error and I wanted it corrected. I was told their information is correct and that I made no payments. I was in forbearance. I am losing my interest rate advantage and it will cost me more to refinance my home now. Loan Care is a partner of XXXX bank. When I called I was told that the research team does not speak to people it all has to go through customer service. On my statement it shows all payments have been made, I have no late payments and my account is up to date. I have been trying to refinance for the last five to six months. While in forbearance my payments are not to be reported as late or missed. There are no negatives showing on my mortgage statements so there should not be negatives on my credit report. My forbearance instructions that stated I would not be counted late, I would not lose any interest.

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 2022-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One account was deleted from my credit report due to inaccurate reporting on behalf of XXXX. On XX/XX/22, XXXX deleted the above mentioned account. The inaccurate information was placed back onto my credit report. I have been requesting an re-investigation on this account, and I have not heard from XXXX. 

According to the Fair Credit Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, and all accounts that you post on a credit report. I demanded to see verifiable proof. 

Under federal law, XXXX had 30 days to complete the reinvestigation. I am respectfully requesting a deletion of this account with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX FUNDING XXXX have 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.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2022-08-28 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: NY

Complaint narrative:
In accordance with fair credit reporting act XXXX  account number XXXX has violated my rights. 

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

15 US C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions Account name : Open Sky

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 2022-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Hayt Hayt & Landau, P.L. (FL)
State: FL

Complaint narrative:
Hayt , Hayt & Landau , P.L . Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.

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 2022-08-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: IN

Complaint narrative:
Hello, A few months ago, I tried to obtain a second mortgage with Regions Bank. My rep was XXXX XXXX. He said he " locked me in '' at 6.125 %. I showed up to closing and it was 1.75 % higher than I locked. He said he had no idea what happened and said come back in two hours and I will have this fixed. I came back in two hours, and it was the same interest rate. He said, " sign it, and send me a snapshot of the rate and I will get it changed ''. During this time the feds raided the rates twice! I was in a corner, so I signed it. He could never get it changed. I spoke to his supervisor, XXXX, and he could not help me. He basically said sorry, but you signed it. I was told it would be changed. 

Sadly, the exact same thing happened to my ex-husband, whom I gave him XXXX XXXX 's number! That went over well. We exchanged multiple emails about this, and I was completely lied to. I have already filed a complaint with Regions. 

I also had a lock on a loan with another bank. I did not go with that bank because XXXX XXXX promised the moon and delivered rocks.

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 2022-08-28 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28 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: GA

Complaint narrative:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX and XXXX XXXX XXXXXXXX have 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.

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Ive sent Id with my correct name spelling well as birth Certificate and Social Security card drivers license.they are still reporting inaccurate information on my credit report..Ive sent theses Documents in XXXX XXXX and they still havent corrected it..

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 2022-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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