vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
In XXXX XXXX XXXX, the company, ( EdFinancial ), changed addresses for delivery of payments to service the accounts. We had an automatic payment set up with my XXXX XXXX Savings Account to go to the old address. 3 payments, ( 2 of {$300.00} and 1 of {$24000.00} ). The total amount of the checks sent were {$600.00} more than the posted principle payoff amount totaled. and were sent and received well before the forebearance period had ended. When they switched over to their new system and mailing address it took an incredibly long time to find 2 of the 3 checks ( 1 for {$300.00} and 1 for {$24000.00} ) and to date still have not found the 3rd for {$300.00}. When they received the {$24000.00} check they misapplied it and the {$300.00} check to the outstanding loans. 

There are 7 loans in total. A combination of Direct Subsidized and Unsubsidized Loans. The balance on 4 of them has been taken to {$0.00}. One has a negative amount listed for {$7700.00} indicating an overpayment. The remaining 2 have active balances of {$5400.00} and {$2000.00} Respectively and are showing that they are actively accruing interest. The overage amount is approximately {$300.00} more than the active amount. They are not applying funds correctly, are charging interest on loans that should be paid off and are holding funds that should be returned to me.

Contacting them is a nightmare, Repeated calls and 3-4 hour wait times are the norm. When they take notes and promise to get back to you, it never happens. If you try and take advantage of their phone system callback feature it never works.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
All 3 credit bureaus are reporting 2 collections on my credit report that is inaccurate. I have asked for proof of the collection being valid and for proof that notice was given to me. Neither has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
Since the month of XXXX, the company Sequim Asset Solutions, address XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, has been making constant calls to me, sending me correspondence, inquiring into my credit and social security information, charging the amount of {$190.00} under the Reference number XXXX. This has affected my credit history and they send me an alert that a fraud page is inquiring into my credit. I was investigating on the Internet and this company, which I have no knowledge of, is dedicated to committing fraud with people by collecting money and inquiring into people 's credit. I need action to be taken on this matter and this company to be removed from my credit. They have even offered me % XXXX and % XXXX to lower that amount and make me pay a debt that I am not aware of. Please carry out the necessary investigation to resolve this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: CA

Complaint narrative:
I thought I bought concert tickets using Zelle through XXXX XXXX. I sent XXXX dollars via zelle to the seller and was asked to send more money. Therefore, I knew it was a scam. I did not receive the tickets or a refund from the seller. Capital one has opened a case for me but says it is unlikely I will get the money back since I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX I received a notification of a bank transfer from my local bank XXXX. An acct that I barely use. Or thats what initially looks like when you first see the transaction on the Current app but when you click on it and open it, it shows it is a XXXX XXXX XXXX transfer and I do not have a XXXX XXXXXXXX XXXX account, I contacted XXXX to see if somehow that happened through them because I had just two weeks ago added my XXXX banking account number to my current account with my routing number via the Current app. I explained this to the rep and that this need to be escalated because somebodys obviously hacked into my current account because the XXXX account number is not listed anywhere but on there. And I do not have any accounts with XXXX XXXX XXXX. As usual they seem very unconcerned tell me its gon na take up to 60 days to get this money back. While on this chat with current because you can not call them. I was also in contact with XXXX. I wanted to make sure that nothing was initiated from my account with them. They told me no there was no transaction for this amount or anything showing up on my account with any kind of transfer whatsoever. due to this, I asked current rep if he could please close this bank account number out and reopen another one for me because it is fraud and now they have my bank account information. I Was told no that they could not issue me another account number that if I closed it if it was ever reopened, it would be reopened under the same account number. That is ridiculous. I have fraud going on in my account, and nobody will close my account and give me another account number theyll close it, but it does nothing because it still if I open up another one I get the same account number back this does not make any sense to me. This is not helping me eliminate this fraud. you cant call anybody up there so I have no way of getting any information other than what is listed on the app regarding this charge nobody ever calls me and this is happened a couple different other times with my credit card but yall close that out but you will not close the account out. That does not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: LD Holdings Group, LLC
State: NJ

Complaint narrative:
I recently purchase a home and did my mortgage with Loan Depot in XXXX, NJ. Part of my application was to obtain homeowner 's insurance on the property, which I did and paid in full ( {$620.00} ) on XX/XX/. At closing, XX/XX/2XXXX I was charged again, an additional {$620.00}, for insurance for XXXX year and then another 6 months for escrow. I was told to contact the insurer or loan depot to resolve since this was an overpayment. 

First I contacted the insurer who tells me that they never received an additional payment and I should contact Loan Depot so I began contacting the lender. 

My first call to their customer service line sometime in early XXXX resulted in the agent telling me that he needed to contact the branch manager and the processor and he would have someone contact me later that day. I never heard from anyone. 

I waited a couple of weeks and contacted customer service again. They seemed confused that no one had contacted me and assured me that someone would contact me before the end of business that day. I did not hear from anyone. 

The loan officer who did my loan no longer works for the company, but I asked her who I can contact so she directed me to her branch manager, XXXX XXXX. 

I emailed him on XXXX with the issue. He responded on XX/XX/ telling me the issue has been resolved and asked if anyone has contacted me. I told him that no one has contacted me and that the issue is not resolved. He responded that a credit has been issued to me and he would follow up with me on Monday. I have not received any credit and he did not follow up on Monday. 

I reached out to him on XX/XX/2023 asking if he had any update for me and he responded that he was in Connecticut for meetings and asked me for documentation of the issue. I then sent him the documentation and I never heard back from him. 

I then reached out to him again on XX/XX/ asking for an update and he never responded at all. I also know for a fact that he was at work because the Loan Depot office is in the same building where I work and I saw him in the hallway, Finally, on XX/XX/ I reached out to XXXX and I also copied his manager XXXX XXXX asking for resolution and I let them know in the email that I would be making this complaint if I didn't hear back from them. I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax is reporting an account inaccurately. I was removed as an authorized user 45 days ago, but since they have not update the status since XXXX XXXX they are reporting false information. I spoke with the bank that the card was with and they encouraged me to speak with directly with Equifax. So, I put in a dispute XXXX weeks ago and this morning I called to get an update ; since this was not an error on the bank 's part, but an error on the part of Equifax, the reporting bureau. However, the agent that answered mistakenly removed, not the incorrect information, as I asked, no doubt due to the language barrier. I asked to speak to a manager to let them know that I was not asking to remove the dispute, I was asking that the account in dispute be removed since it is still showing as my responsibility ; although XXXX and XXXX properly update the account. To resolve the issue they stated that they can only start the XXXX window over again regardless of the representative misunderstanding. I then asked to speak to a US based representative, and he refused stating he was the last escalation and if I want a US rep I would have to keep calling back until I get one. He did however confirm that the account had not been updated on the credit report since XX/XX/2023, but there was nothing he could do about it. 

This is hurting my financial future and significantly impacting my credit score, as my wife and I are trying to apply for a mortgage and this is the only inaccuracy across all of my accounts with the 3 bureaus and should be an easy fix, by updating the account and not making me start the 30 days over because their overseas outsource help misunderstood what I was asking and then refused to get me to a US manager to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
This company denied me my credit around XX/XX/2023. I don't care what the reasons are because that is grounds for discrimination from the Equal Credit Opportunity Act. I have a right to my credit, withholding my access it's security fraud, your violating the Equal Credit Opportunity Act and Consumer Credit Protection Act. Since you are denying my credit. Please retract my application. I mentioned this to this company several times they have still not resolved this information. XXXX XXXX in fact for the all caps name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SECURITY FINANCE CORP
State: SC

Complaint narrative:
XX/XX/2023 at XXXX To whom this may concern, This pertaining to account number XXXX. I am requesting that Professional Finance Company sign an Affidavit of truth in writing that I XXXX XXXX and XXXX XXXX are debtors and Professional Financial Company is the creditor and they in fact loaned XXXX XXXX and XXXX XXXX money on XXXX XXXX. During this time I am also requesting that a cease and desist from repossessing my vehicle and reporting any negative items on my consumer report, this will start upon receipt of this notice, due to this being a serious matter I will be waiting for your response if no response next will be a default in all parties will be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
Mohela has told me that they do not have permission to count payments from XXXX to XXXX. That say navient my original loan service records a consolidation in XXXX but indicates no payment from XXXX to XXXX which mohela notes is strange. But they wait for federal student aid to give permission to count below XXXX. Federal student aid has not acknowledged my requests. The ombudsman can not help me. My XXXX XXXX XXXX tried to intervene but no avail. This has been going on for 2 years

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my credit report and there are items that are unverifiable and not reporting accurately. These items should be deleted immediately.

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
I contacted consumer reporting agencies Equifax and XXXX on XX/XX/23 to let them know that there are unauthorized transactions on my personal report that I want removed immediately. Both agencies told me that they can report any information sent to them from any company and they will not help me. I informed them again that the transactions are unauthorized and unvalidated but neither agency would remove the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting 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:
Went to check my credit score and it has XXXXne hard inquiry from XXXX that i do not recognize nor did i apply for this. i requested infomation from the company and all they keep saying is verified and accurate. i have showed the police report stating that im a victim of identity theft and still weren't able to give me answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-16 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Palisade Legal Group, PLLC
State: IL

Complaint narrative:
XX/XX/2023 I was contacted by Palisade Legal group with an offer for a debt consolidation loan. I applied for the loan & was denied but they offered me an alternative in which they would negotiate my debts with creditors in exchange for lower monthly payments. After explaining to Palisade my concerns of negative impact on my credit & XXXX score I was assured by their representative that a negative impact was brief & temporary. I agreed. In order for the Palisade Legal Group to be able to negotiate debt with creditors on my behalf their representatives advertised me to let my accounts go delinquent by not paying them & ignoring phone calls & threats from creditors. This caused my credit score to drop from XXXX to XXXX and XXXX  XXXX score to go from XXXX to XXXX in under of 4 months. I was told my credit score would only be affected for a short period of time and I would see it increase. When I called to ask how long should I expect to have bad credit I was told for the length of the program which is 5 years. From XX/XX/XXXX until today XX/XX/2023 I have made 5 payments of {$900.00} Palisade Legal group has since negotiated settlement with 1 of the promised 8 creditors of {$64000.00} of debt. They have since paid a {$270.00} check & a {$25.00} check to that one settlement. I believe they are taking off the top of the amount Palisade agreed to settle they are collecting a 27.50 % fee of {$17000.00}. I made this agreement with Palisade Legal Group I was trying to Finance a Semi Truck for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX and rent an apartment. With my bad credit & low XXXX scores this is no longer possible 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 also canceled my {$5000.00} line of credit that I was going to furnish my apartment with because they are affiliated with one of the creditors XXXX XXXX  XXXX XXXX XXXX XXXX is automatically taking money from my XXXX XXXXXXXX XXXX account because thats what they do when you owe them & have a XXXX XXXX XXXX  Account Palisade Legal Group has ruined 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 non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting 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:
I noticed there were some unverifiable items on my credit report also unauthorized inquireis. These items have never been verified. They do not belong on my report.

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