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: WI

Complaint narrative:
I applied for and was approved for the new IDR SAVE program via studentloans.gov. My new payment amount was calculated to be {$480.00}. See attached status screenshot from studentloans.gov.

However, my loan servicer, Edfinancial, is not recognizing the new payment amount. According to my online account, I must pay {$780.00} by XX/XX/2023. This payment is too high. See attached screenshot from Edfinancial showing the incorrect payment amount.

After my IDR was approved by studentloans.gov, Edfinancial sent me a request via U.S. mail in the beginning of XXXX to provide them with income information. I immediately uploaded my proof of income to their website when I received the request. I do not understand why they would send this request via XXXX mail when they have my email address and I have been receiving other emails from them. I also don't know why they would need proof of income again when this was part of my IDR application. In any case, I have received no further communications from Edfinancial since uploading proof of income and the correct payment amount is not being recognized.

I have attempted to email Edfinancial about this issue and have not received a response. I have tried to call Edfinancial but the wait time is always more than one hour and I have not received a call back from Edfinancial.

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 — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 U.S.C 1681 Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX XXXX  Acct # XXXX Account Name : XXXXDept. of Education Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Account Name : XXXX. XXXX XXXX Acct # XXXX Account Name : XXXX XXXX XXXX Acct # XXXX Section 602 A States I have the right to privacy.

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

Section 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 adverse item 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 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: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was robbed on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX brought me to the bank to make an in person bank withdrawal and i tried to give it to him in the bank and then he said no and i gave him the cash after outside of the bank. I was heading to a XXXX appointment prior and I just got off an XXXX bus when it happened. The cops have classified it as a grand larceny. I called the bank wether there is a case open or not changes every time i call. I gave them the information. I have record of their lack of response over email through XXXX. A similar situation also almost happened on XX/XX/XXXX but, I wasn't that afraid the second time around.

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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Chase Cardmember Services Attn : Billing Inquiries XXXX XXXX XXXX XXXX, DE XXXX Re : Notice of disputed charge to Chase Sapphire Card Ending in No. XXXX Seemingly out-of-the-blue Chase assessed a rebill of {$2100.00} to my account on XX/XX/XXXX over 8 months after they credited me after research of non-receipt of an item. The charge is in error because the item was never delivered from merchant ,1 XXXX XXXX 

Please note the following : I ordered the item on in the amount of {$2100.00} back in XXXX of XXXX The merchant promised to deliver the items to me on immediately stating item was in stock. ( I made this order despite in earlier different order for {$2300.00} for another item that this same merchant actually cancelled and provided a refund on XX/XX/XXXXXXXX ) However, after going back and forth all the way thru XX/XX/XXXX with the merchant, the merchant then admitted that the item actually had not been in stock, but now was and as consolation they would give me {$70.00} back for the trouble and item was being shipped in XXXX. 

Yet still, not getting any shipping confirmation from the merchant, and after waiting additional two weeks in XXXX, I called and spoke with the merchants customer service on XX/XX/XXXXXXXX  and again was advised that there would be a delay and they had no ETA for the order. 

It was then I sent the merchant formal request to cancel and refund me back to my credit card on XX/XX/XXXXXXXX XXXX Then on that date, I also contacted Chase to make aware inclusive of backup documentation and my card was credited on that date. 

The merchant never responded until XX/XX/XXXX almost a month later, telling me they are ready to ship to which I advised of the month prior cancellation and to not bother. 

Now, in XX/XX/XXXX this refill suddenly pops-up and I was back and forth with Chase CS on the phone finally someone sees error and advises my account will be corrected in 24 hours. Its now 3 days later and not only hasnt been corrected but i receive a backdated letter from Chase referencing wrong transaction. I speak with a Supervisor XXXX who advised I may have to wait longer and no acknowledgement of contradictory notices from Chase.

Company response to consumer: Closed with 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 — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/28, we made a payment to XXXX XXXX using our bank account information over the phone. We do not know if an error is made on XXXX, banking, or on entry of numbers but we were not notified by email or phone. The website reflected successful payment made initially so there was no reason to believe the payment did not go through. We did not receive a letter until XX/XX/XXXX when we received two separate letters, one that showed that payment was on time and another that said that payment had been reversed. The communication on this issue was done very poorly and contributed to a late payment notation on our credit report. We talked to a Level 3 manager who basically did not acknowledge the lack of communication and just kept saying it was our fault and nothing could be done. He was frequently impatient and showed no sympathy. He refused to give us higher level contact by email, insisted it had to be done over the phone. The payment was made after we received notification and we are asking that back credit be give and the credit notation about 30 days late be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/ a check was issued to me for a fraud claim denied in error for the amount {$320.00}. I received the check and I intended to deposit it on my current Bank Account ( XXXX XXXX  ). It turns out this check had both of us names on it and Bank wont accept the deposit. It looks like the claim dated back when I had the other checking account number ending on XXXX had my husbands name on account. Then took him off later on when the account number was replaced for the one that ends on XXXX ( latest one ) I took the check to the branch, as adviced, and because I had already written on the back For XXXX Deposit Only they wont accept it either. Ive been on the phone 7 times and from time to time I keep getting thrown around from department to department with no resolution. Im tired of hear - we gon na request the back office to issue a new check or - we gon na call you back. 

I would like to request a check re-issue and if its possible under my name only. 

Im attaching letter and check copies.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. 

XXXX XXXXXXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$350.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$11000.00}. 
XXXXXXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1000.00}. 
Collection account from XXXX  with account # XXXX and a balance of {$3800.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$170.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$2600.00}. 
XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX Collection account from XXXX with account # XXXX and a balance of {$1700.00}. The original creditor is XXXX XXXX. 
XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00} XXXX XXXX XXXX XXXX Lease with account # XXXX opened on XX/XX/XXXX and a balance of {$310.00}. 
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$260.00}. 
Collection account from XXXX XXXX XXXX XXXX  with account # XXXX and a balance of {$890.00}. The original creditor is XXXXXXXX XXXX XXXX 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

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 XXXX dept of ed

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello, I checked my credit report and i saw unauthorized credit check inquiries that i have not given consent to. I am demanding that these inquiries be removed within 4 days because they are fraudulent. I am trying t establish relationships with banks but continue to be declined because of these items on m report. I have attached the fraudulent items to my letter and notified 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXXXXXX XXXX

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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank 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 explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one shared all my info and then they had there administrators send me a email to my spam so i wouldnt get to submit the claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Union Home Mortgage Corp
State: TX

Complaint narrative:
There are several complaints regarding the servicing of my mortgage with Union Home Mortgage. 

I am in need of assistance and XXXX has not responded to my requests. 

XXXX ) I am unable to make contact with them via telephone without using their chat feature and then waiting for a telephone call. I was told over a year ago that this was due to their telephone systems and how it works with XXXX XXXX XXXX. This is not acceptable at this point. 

XXXX ) At the end of XX/XX/XXXX, I spoke to someone at XXXX who agreed that I was eligible for a payment deferral to bring my mortgage current. I was advised that documents would be sent to my address for me to sign and return. This has yet to happen. I understand that these things take time to process however were past 90 days since that conversation. 

XXXX ) XX/XX/XXXX, I applied through the Texas XXXX program to assist me in getting current using Treasury Funds. I was approved and they reached out to XXXX in XXXX, XXXX, and now again on XX/XX/XXXX. They still have not received a response of this morning despite the state offering to bring my mortgage current through the Texas XXXX program. 

XXXX ) Recently, they sent an inspector out to my home who jiggled the front door handle and frightened my entire family on a Sunday. Which almost escalated into a very stressful situation for everyone involved. 

XXXX ) At this point, I do not know the status of my mortgage, where the documents are, or why they refuse to respond to Texas XXXX despite the requirement to reply to their record request within 14 days. I am very concerned and am shaking with fear at the thought that XXXX is purposely delaying this process so they can foreclose on my home. I need assistance and I am trying my best to get caught up but the silence is deafening. 

Please assist me so I can get back on track and begin making my payments on time again.

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: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had two accounts opened for my XXXX XXXX in Bank of America, on XX/XX/2023 {$6700.00} were drawn towards XXXX XXXX Credit card, which DOES NOT belong to us, we do not have any account with XXXX XXXX. 

Then on XX/XX/2023 an amount of {$6000.00} were charged to XXXX XXXX XXXX XXXX XXXX XXXX, we DO NOT HAVE ANY account with 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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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: TN

Complaint narrative:
I did not authorize XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I did not authorize XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX AND XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, AND XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, REMOVE THIS IMMEDIATELY. CREDIT FREEZE WAS PLACED ON ALL BUREAUS.

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 card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I got an amazon credit card issued by Synchrony bank over 3 years ago, they gave a credit line XXXX, i've been paying XXXX dlls every month instrad of of the minimum amount of XXXX dlls. Is been more than 2 years and a half paying this amount and my a balance never change, still shows XXXX dlls balance, how is that possible?

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: Debt collection — Other debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I received a letter stating that i lost a lawsuit, the plain tiff is velocity investments llc. The process server they used lied about serving me and changed his statements about this, I have proof of this. The plain also used a false address so I missed my window to file a new motion. However I was able to get a Petition for review on this matter. The plaintiff knew what they were doing by using an address that I did not live at so they could deceive the court into thinking i had info about this case. 

If you see the attachments the affidavit is different from the statement they gave. Also it states i am XXXX to XXXX XXXX pounds, I am XXXX and XXXX pounds, license is attached, further more they stated my hair is XXXX it is XXXX XXXX. Attached you will find documents showing this. The attorney and the collection agency should be sanction for this. 

Now this a picture of my husband he is XXXX, just to show context..

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