vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-07 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: NY

Complaint narrative:
I am having trouble with my lender providing assistance to the freeze education offered by the president and education department. 
During the cares act AES claimed my loan was commercial only provided forbearance one deferred but with interest rate accruing.

During my investigation of my forged documents and illegal transfer of my loan by AES/ XXXX XXXX, the XXXX had informed me I was a federal loan and I was misinformed. 
I would like to know why the lender has overlooked this and now Im in delinquent account. 
I am still seeking answers from XXXX XXXX, of The XXXX XXXX XXXX  AES  XXXX XXXXl on my illegal forged documents and illegal transfer of my loans to Goal Financial. 

I have fully complied and submitted a XXXX page fraud package on XX/XX/2021. 
AES FRAUD DOCUMENTATION/ IDENTIFICATION THEFT / FORGERY SENT TO THEM via Certified mail on XXXX receipt enclosed * AS PER THEIR REQUEST AND NOTARIZED Adding to my case. Cyclical elusive tactics- The latest response from the service department PHEAA /AES PHEAA and AES are non compliant, elusive tactics and have ignored my case. I have been requesting assistance with AES since XX/XX/2021. After much frustration and run around by them, I finally requested the Fraud Package. 
I have sent them the fraud package in XXXX via certified mail. 
*See documentation on the pdf provided False certifications and forged signature forms. Affidavit, police report, notarized request of my signatures etc as AES requested

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filing disputes with all 3 credit bureaus for over a year and none of which have responded. I have been calling XXXX, XXXX, and Experian and havent been getting a response. I have mailing in dispute letters for over a year and have not seen a difference in my credit score. This is affecting my life.

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 2022-04-07 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
portfolio recovery is continuing to report inconsistent information between XXXX XXXX  and XXXX making this account to be reporting inaccurately. I have wrote portfolio recovery a letter XX/XX/XXXX based on errors to the address they provided me on a response letter as their disputing address. when I checked too see if they had received my certified letter to their disputing address tracking number XXXX, to my surprise they did not. I am convinced this address they provided is not the valid address they are requesting for me to send my disputes to. I have also tried disputing with the XXXX consumer reporting agencies based on the running of reporting time because all XXXX bureaus are reporting different dates. XXXX reports estimated month and year this item will be removed is XX/XX/XXXX, XXXX  reports on record until XX/XX/XXXX and XXXX reports the date of first deliquency is XX/XX/XXXX. to my understanding the running of reporting time date should not be fluctuating because it manipulates the time frame for this account to be federally removed. I have received my recent results form experian and they had updated this account. they did not fix the error I had previously brought to their attention based on this same error. portfolio recovery is violating the FDCPA and also FCRA by furnishing inaccurate information and denying there are any inaccuracies that they are furnishing on my private consumer report. I have provided proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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:
In accordance with the fair credit reporting act convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 non-monetary relief
Consumer complaint received 2022-04-07 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 convergent account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-04-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
somebody stole my identity while I was sick, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I received a settlement offer of {$130.00} with an original balance of {$540.00}. 

Requested payment date was XX/XX/22 The letter stated my account would be satisfied and closed if I pay the resolution amount by XX/XX/22 The payment was received and posted on XX/XX/22 I just received a letter stating, I owe the balance due of {$410.00}. 

I accepted the terms and fulfilled what was required and they still want full payment, even though I paid the settlement offer

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 2022-04-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CREDIT ACCEPTANCE CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXX Wed, XXXX XXXX, XXXX AM ( XXXX hours ago ) to antitrust I was advised to contact you regarding the above car loan corporation. 
On XX/XX/XXXX I was diagnosed with XXXX, the Rhode Island Department XXXX XXXX placed me on a XXXX quarantine, I did not get better until the end of XX/XX/XXXX. I contacted Credit acceptance, since I owed only XXXX on my car. I paid XXXX dollars for a XXXX XXXX XXXX. 
After all was said I paid Credit Acceptance XXXX dollars, My car was repossessed on XX/XX/XXXX. I was told I had to pay XXXX too get my car back. They also added several fees that brought what I owed to {$1300.00}. I worked hard to keep the car. It was the first one I financed. They HAVE SINCE AUCTIONED MY CAR. I now have no vehicle and they are stating I owe them money. 
Due to covid I lost my job, i lost my car and i was brought to my knees. If you want the car paid for I need to work to do that. I have contacted the attorney general, the XXXX, the house XXXX XXXX, the XXXX for XXXX in Rhode Island. 

Please I need help, This was so unfair on their part. They were rude, demanding, and basically told me to bad. They are not required by law to follow any of the governments or the XXXX of Rhode Island 's laws regarding covid. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX RI XXXX XXXX email - XXXX Credit Acceptance ( CACC ) Settles Auto-Loan Lawsuit, To Pay $ XXXX | XXXX The above link is an article from the state of Massachusetts lawsuit against XXXX, and facts like they repossess 35 % of all the vehicles they finance, I never would have used them had I known this Any advice or help you can assist me with would be greatly appreciated.

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 monetary relief
Consumer complaint received 2022-04-07 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: IL

Complaint narrative:
In XXXX XXXXXXXX, I submitted my application for PSLF to determine how many eligible payments I have made as well as if i received/am covered by the temporary waiver. I have received two separate correspondences informing me that they received my application but I have not heard anything since. I've tried contacting both EdFinancial and XXXX XXXX to get an update in the status ; however, neither institutions are able to give me PSLF-specific information. I have periodically reached out to both institutions, with the most recent inquiries taking place during the week of XX/XX/XXXX. EdFinancial sent me a copy of my payment history but it does not indicate PSLF-eligible payments or the eligible payments under the government pandemic forbearance, and XXXX XXXX indicates that they still do not have any record of me in their system. With the latter, I am constantly transferred and left on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX and Equifax for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOK FINANCIAL CORP
State: FL

Complaint narrative:
Im trying to use my debit card while travelling but the bank locked my card and I called them to unlock something they are refussing to do it.

They sent me a code to my phone and I never receive, but the sms code to access online banking I receive that whithout any problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-07 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:
somebody stole my identity while I was XXXX, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
somebody stole my identity while I was XXXX, And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: DE

Complaint narrative:
in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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

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 2022-04-07 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: DE

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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act 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 in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX, 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 2022-04-07 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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A. Section 2 : It also states 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 2022-04-07 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2022-04-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Big Picture Loans, LLC
State: NE

Complaint narrative:
I received a call today from someone from the " XXXX XXXX XXXX '' law firm, stating that they were suing me in county court over a loan balance that has been paid off for years. I have records to prove that. 

They told me that they sent me collection mail to an address I have never lived at and have nothing to do with, but that it was too late now to send me anything in writing and that if I didn't pay at least half of what is owed over the phone today then I would " be dealing with the law enforcement and judge tomorrow. '' The man started shouting over me when I tried to ask simple questions, including shouting at me " I know your birthday and whole social security number, so there's no way you can get out of this '' -- and said them both out loud, so yes, he did somehow have my entire SS number. 

The phone number they left was ( XXXX ) XXXX. 

This man was frightening, intimidating and lying to try and get {$1500.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
somebody stole my identity while I was XXXX And is ruining my credit by making outrageous purchases. I have no knowledge of what and who this could be.

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 2022-04-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent disputed to Transunion and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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