vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I signed up for XXXX XXXX phone service just for XXXX month. Their website and their stores advertise unlimited service for XXXX XXXXXXXX. However, the real price is XXXX XXXXXXXX. I went into a local store and purchased XXXX month of service for {$29.00} after pointing out to the sales clerk, that the advertisement clearly stated XXXX XXXXXXXX. I have since been able to restore my old phone service, which is much cheaper and I no longer need XXXX XXXX services. Per their terms and conditions, if you're not satisfied with your service, you can cancel and get a refund within XXXX days. I canceled my service on the XXXX day. The reps that I spoke with said that since I USED the service, I wasn't entitled to a refund. I let them know that it makes no sense to offer a guarantee, but only if you don't use the service. How do you know if it will work for you if you don't use it? So I cancelled my service after 6 days and XXXX XXXX is refusing to refund me, as I am entitled per their terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$660.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-17 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more then 29 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-17 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., Medical XXXX Balance : {$660.00} ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-09-17 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: MO

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than XXXX business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$660.00} ; XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
disputed for an amount of XXXX XXXX company. The collection is reported even though this account was closed, paid and equipment returned. No OTHER ACCOUTS BELONGs TO ME with this company.

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 2022-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I requested a refund of {$10000.00} in payments from my loan servicer, Nelnet on XXXX  XX/XX/XXXX. I was then told I needed to resubmit my request to refund the {$10000.00} in payments on XX/XX/XXXX. I have been given no timeline on receiving the {$10000.00} refund of the payments made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: ERC
State: WI

Complaint narrative:
I have never heard of or done ANY business with ENHANCED RECOVERY COMPANY They have no right to report anything on my credit report. If so then they should have validated the debt showing that I have an account with ERC that is in default. 
Further more, this issue is fraud and now in litigation to have the item removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: KS

Complaint narrative:
Under the Fair Credit Reporting Act, to request information regarding an item that is listed on my consumer credit report. Spring Oak Capital, account number : XXXX. According to the Fair Credit Reporting Act, Spring Oak Capital is legally required to report accurate information. I am demanding they remove or provide proof that they have lawful contract with me to pursue the debit in question. Refusal will consider a Willful Violation. Fair Credit Reporting Act, 15 U.S.C. 1681n ). For willful failures to comply with the Act 's disclosure requirement plaintiffs may seek statutory damages between {$100.00} and {$1000.00}. 
Violations : 15 U.S.C. 1692e : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S.C. 1692j : Furnishing certain deceptive forms

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
XXXX told me my account was closed by me. That is wrong, I did not close account. XXXX tells me when I call my account is active in good standing for XXXX years. This mistake cost me XXXX points on my credit report, which I have worked on for years to get to XXXX points. XXXX refuses to send info to credit agencies, I have called them numerous times. They tell me everything is fine. I hope you can help me. Thanks XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I have been past-due on my payments with the Commenity company. I had a Victorias Secret card through them that I resolved. I opened a XXXX card, but only ever used it once. After I got behind on my payments, I closed the card. I have been receiving upwards of 15 calls a day, some back to back, from commenity and unknown numbers. I know for a fact it is this company attempting to contact me. I have blocked all numbers associated with this company, but am still receiving calls from unknown numbers. I happened to answer a couple of times, and was told they were calling from commenity. I am being harassed daily, and have been for the past year, as I held previous accounts through them. I owe very little to them, and even told them I was facing hardship due to COVID. All accounts with them are closed, and I plan on resolving what I owe them, but this harassment is ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-17 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: CA

Complaint narrative:
I called Edfinancial about a refund that they agreed to process on XX/XX/22. I called again on XX/XX/22 to confirm the refund process was submitted. The total amount that I requested to be refunded from payments made during deferment is {$8900.00}. I find the timeline they gave of nearly half a year from the first call and no timeline on the second call unacceptable and inconsistent. The loan servicer doesnt allow any access to a paper trail about the refund they submitted on their system. The only way for me to follow up on the refund is to call in.

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 2022-09-17 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: TX

Complaint narrative:
I was just notified via XXXX XXXX that my Equifax Credit Report has a delinquent account. I then logged into Equifax, reviewed my credit report and noticed that there is in fact a delinquent account present. The delinquent account is from a Homeowners Association in XXXX, TX. Specifically, it was from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX I have never lived in or owned property in XXXX, Tx or XXXX XXXX. My home is located on private property in XXXX, Tx. 
Furthermore, I have never owned property that was subject to a Homeowners Association. I am 100 % positive that this account does not belong to me. My credit score dropped more than 100 points overnight. I have contacted an attorney and plan to sue XXXX XXXX XXXX XXXX Fair Credit Reporting Act? I have been harmed financially due to XXXX XXXX XXXX negligence and record keeping practices. Is there anything your agency can do to help me with this matter? 

Sincerely, XXXX XXXX XXXX Cell : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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 — Problem with personal statement of dispute
Company: Army and Air Force Exchange Service
State: AE

Complaint narrative:
Due to being overseas the past three years on a XXXX I had several late payments reported to my credit. I reached out to the company recently due to finding out some military benifits while on XXXX  overseas. Realizing this while I was still overseas I contacted them. Asking them if I provide proof to please remove those late payments. However the company is very unwilling to work with deployments unless they are provided BEFORE any late marks accrue. However due to being overseas I was not in contact. This has created hardship on our family because we are now unable to get a house due to the remarks on my credit, with this card alone. I have requested multiple times to have them help me and every time they turn me away, the card is even paid off now. I finally got a more forward answer the first time complaining through this site, they told me to send orders, which we have. It has only been a couple days but we still havent heard anything if they will remove the late remarks on my credit. Its frustrating because this is a very hard time for our family and its time sensitive as we have no options for homes until this is taken care of. I have even requested a call to discuss with the XXXX or credit department but nobody will call 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 2022-09-17 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: TX

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX  XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX  XXXX Balanced Owed : {$260.00} XXXX XXXX XXXX Balanced Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$650.00} XXXX XXXX Balanced Owed : {$2600.00} XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022

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 2022-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
The problem is the online banking periodically is unavailable for deposits. On Friday XX/XX/2022 I attempted to deposit my check several times until XXXX. This happens often. Everyone knows Friday is payday. Why would PNC who claims to accept same day online deposits until XXXX do this to their customers? I have a business run and this is not fair to me, I can not imagine how people without credit feel or manage. It is an unfair business practice. If they are having technical issues, they should post a notice so that people can go to the bank and deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17 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: VA

Complaint narrative:
In accordance with the Fair Credit reporting act XXXX XXXX {$1900.00}, XXXX XXXXXXXX XXXX XXXX XXXX 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 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 2022-09-17 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Fraudulent Accounts : Account Name : XXXX  XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$4100.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$1900.00} Account Number : XXXX XXXX Fraudulent Accounts : Account Name : XXXX XXXX XXXX XXXX  When Account Was Open : XX/XX/XXXX Amount : {$370.00} Account XXXX XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$800.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$390.00} Account XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$430.00} Account Number : XXXX Fraudulent Accounts : Account Name : XXXX  When Account Was Open : XX/XX/XXXX Amount : {$680.00} Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation