vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: IL

Complaint narrative:
On Monday XX/XX/XXXX, I contacted EdFinancial ( https : //edfinancial.com/welcome ) after learning that student debt payments made on XX/XX/XXXX or after can be refunded as I made my $ XXXX payment ( remaining balance ) on XX/XX/XXXX. I asked for a refund due to the recent announcement from the current administration for student debt relief. 

The EdFinancial representative noted that this refund can take anywhere from 150 days to 170 just for EdFinancial to process the request which is alarming as I have heard other loan service providers have given ~1-3 months process time and the student debt payments resume XX/XX/XXXX. Further, I was told I would not be getting a confirmation that my refund request has been processed and have no way of knowing if my refund will be processed in time to apply for loan forgiveness. 

Attached payment remittance of $ XXXX that includes my account #.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX amount {$130.00} Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm trying to get a mortgage loan with FHA. The seller provided us with a mortgage servicer that told me to boost credit score with a XXXX account. I did, I got a XXXX XXXX XXXX, low amount. Bought, item around {$60.00}, as advised. Paid half of billing. We were approved for loan. Other delays came into factor, needed new well. As time went on, I forgot to pay off balance of {$9.00} dollars to XXXX. My credit score immediately showed up as dropping. Due to XXXX reporting it asap. Now, They don't want to approve loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CRED Technologies dba cred.ai
State: CA

Complaint narrative:
My purse was stolen out of my car. Inside was my wallet and phone. Immediately had an authorized charge. On my phone I use XXXX. My Cred.ai account is linked to my XXXX. So, even if my XXXX balance is {$0.00}, I could still make a purchase using XXXX account, and the funds will automatically be deducted XXXX from my connected credit card account. Whoever took my purse, attempted to use many of my accounts. They were successful by using my XXXX. There were two money transfers or two payments made to another XXXX user. Cred.ai asked me where do I keep my PIN numbers to my accounts. Well, I have it written behind a picture in my wallet. But I suspect that my purse and phone were actually stolen by someone I know and someone who may be close to me. Whom may be privy to the codes I typically use. Cred.ai denied my unauthorized charge claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: MI

Complaint narrative:
A credit reporting company that goes by RMP, LLC out of XXXX Michigan continues to report as unpaid an amount to my credit report each month for a hospital service, despite being contacted via phone several times to be told the debt was paid directly the hospital months ago. From the reviews I've found of this business, there are multiple people describing the same problem as I, including folks who paid the debt through their agency directly, that the company continues to report as, " unpaid '', paid balances to the credit agencies. As this has a negative impact on credit score, and thus interest rates on large purchases, it has the potential to cost those impacted greatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Netspend Corporation
State: FL

Complaint narrative:
On XX/XX/22 a charge was made to my netspend card without my authorization. It was a case of credit card fraud. Tha amount was {$77.00}. I explained to the card provider that I did not authorize this charge. They have since said that they have investigated, and the charge is valid. It is not. They have sent me a letter stating that they can provide me with documentation proving the validity of the charge. I have requested this information XXXX  weeks ago and they have not mailed me any such proof. As a matter of fact, no such proof can exist. Again, the charge is fraudulent. I would like Netspent to refund my money plus the cost of my time and energy chasing them for XXXX months about something that is their responsibility.

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 2022-09-01 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: TX

Complaint narrative:
This complaint is to inform the CFPB that I am in receipt of the correspondence from Transunion in regards to the former complaint I submitted on XX/XX/2022. 
The companys reply is unresponsive to my request. 
I specifically requested proof of my consent in relations to the following accounts on my credit report ; XXXX XXXX XXXX Partial account number XXXX XXXX  XXXX XXXX  Partial account number XXXX XXXX Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Partial account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Partial account number XXXX 15 U.S. Code section 6802 - Obligations with respect to disclosures of personal information A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party, any non-public personal information, unless such Financial institution provides or has provided to the Consumer. 

B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the Consumer is given an explanation of how the Consumer can exercise that nondisclosure option. 
Transunion has failed its legal responsibility to protect the my privacy by continually stalling to adhere to my request. 

The GLBA privacy rules, as enforced by the various regulators, generally require : Clear and conspicuous notice of the financial institutions information-sharing policies and practices, including what information it collects and with whom it shares the information. Covered institutions may use a model privacy form published by regulators as a safe harbor. The privacy notice must be provided when a customer relationship is established, and annually thereafter unless the financial institution does not engage in any sharing for which customers have the opportunity to opt out and there have been no changes in policy or practice since the previous privacy notice.4 Providing customers the right to opt out of having their nonpublic personal information shared with nonaffiliated third parties, subject to a number of significant exceptions, including for joint marketing, processing consumer transactions, and service providers. Financial institutions must process opt-outs within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: CO

Complaint narrative:
I made payment in full on XX/XX/2022 in the same manner as I have for over two years. Payment was not credit timely until XX/XX/2022. Goldman Sachs held payment for over three business days before posting and sent threatening emails demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I disputed a fraudulent charge on my credit card. They closed the account as a result and wont tell me why. They said I will be receiving a letter in the mail. Ive done nothing to deserve this.

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 2022-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
XXXX is extremely slow in updating files, they should be made updated once a week or sorry no can't post Like you they force people to use thier, words that are to their liking. We should be allowed to enter our own words no swearing Inquires should not cause your score to go, and late payment should not be on anyone 's any one 's report for more than 90 days The money industry with their superior like attitude over people could care. less When a person applies for a mortgage no more than a soft inquiry should be done first otherwise the scores drop XXXX points I have been told don't apply to more than one company when searching for a mortgage So when I don't like the first company I should not apply to anyone else oh well too bad suffer Case in point oh XX/XX/2022 I applied not the best home buying score was which was XXXX which was enough to work with the WellsFargo agent stated. The agent XXXX XXXX said I will get working on it now and will be back in touch in 24-48 hours. He failed to call I had to call him on Tuesday, and he ran two inquiries dropping my score back down to XXXX, he said your score is too low and can't help you, but you made it that way and what happened to Wednesday when you said I will start the paperwork, Tuesday he said sorry your score dropped can 't help I might ask for monitary compensation

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 2022-09-01 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: IN

Complaint narrative:
I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they have violated my rights numerous of times. I demand the inquiries below to be deleted/removed from my Equifax because according to 15 USC 1681 , I have the right to privacy and I did not give Equifax written or verbal permission to furnish information to these creditors. 

XXXX XXXX, XXXX CompanyXXXX XXXX XXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX XXXX XXXX, XXXX CompanyXXXX DateXXXX XXXXXXXX, XXXX XXXX Collection Agency XXXX XXXX XXXX Creditor Name XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the item which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. Additionally, I was never late on this account, balance is incorrect. This is a good standing account. Please verify all information is 100 % true accurate and correct and is not untimely, unverifiable, incomplete or inaccurate. Please remove all negativity. 

XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2016 Balance : {$640.00} XXXX Late Dates XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
On Monday XX/XX/2022 @ XXXX XXXX  I received an email from Venmo advising that someone was trying to sign into from a different location. The email continued " If this is not you, please let us know by responding ''. I immediately responded to the email advising that this was NOT ME and this was FRAUD. The next morning, I logged onto my bank account which was linked to my Venmo account and I observed that there were 3 transactions@XXXX each withdrawn from my bank account ( using Venmo ). I immediately contacted Venmo and they advised that I needed to contact my bank. I contacted my bank and they started an investigation. However, I am still out XXXX AND according to Venmo 's cardholder agreement, if FRAUD is detected, I would not be liable for more than XXXX total. I am needing help to resolve this because I feel that someone is passing the buck. My bank is XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Hi, I had an account with Comenity Bank ( XXXX XXXX branded card ). I missed to make a payment with them and they have directly reported my account to credit bureau. Comenity bank did not try to contact me via Phone, email or postal mail to see if I can make a payment. Instead, they went ahead and reported to credit bureaus. I am having a very severe impact due to this for getting a competitive rate for my home purchase / Auto loan. 

I have requested comenity bank to remove the reporting as they did not make any attempt to reach out to me, but they have refused to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 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 2022-09-01 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 XXXX XXXX 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 2022-09-01 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Transunion has inquiries on my credit report that are inaccurate. I requested a accurate credit report over 30 days ago and still haven't received anything. The following inquiries are inaccurate : 1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report 7. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report 8. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from 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 2022-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
XX/XX/22 received back to back calls at XXXX pm cst then again at XXXX cst. When I called back to complain about harassing calls back to back then again less than 3 hours later the representative hung up on me. I called back was immediately put on hold waited for a representative asked for a supervisor and was put on hold then sent to voicemail. They also stated it was their auto dialer in which they do not have permission to call my cell phone on an auto dialer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XXXX XXXX Paid with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX XXXX " PAYPAL XXXX XXXX on {$400.00} Transaction ID XXXX I canceled transaction and never get refund

Company response to consumer: Closed with explanation