vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: CT

Complaint narrative:
Due to the regulations regarding the restart of student loan payments and the new SAVE plan, my IDR recertification was not due until XX/XX/XXXX. However, because the XXXX website had not been updated, it reflected a past due recertification date, and I was unaware the covid pause extended deadlines, so I recertified through there. Upon logging into edfinancial 's page, however, I found that I had not been required to recertify for another 14 months. I requested that edfinancial deny my application and NOT use my recertification in calculating my IDR payment. On XX/XX/XXXX I received a payment schedule from edfinancial showing {$0.00} payments for 15 months. Today, XX/XX/XXXX, my account shows that my recertification was accepted despite my request. As such, my payment has now gone up significantly. Due to the discrepancy in dates between the pages, I was misinformed and I want the same benefit of an extended recertification requirement as everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Data Mortgage Inc.
State: MO

Complaint narrative:
The company name is Essex Mortgage. I been trying to get in touch with them by phone, but the problem is they don't answer the phone. they put you on hold. Playing the music tells you an agent will be with you shortly about 3 times, then the machine comes on and say leave a name and telephone number and someone would return your call shortly. But no one ever calls back. And I am trying to reach out to them so I can get some assistance with my mortgage before it goes into foreclosure. I am 2 months behind on my mortgage due to the facts I fall on hard times. I am not trying to lose my home and become homeless and I can't get no help if they don't answer the phone. I signed up for XXXX but they denied me and didn't tell me why. I've called and called and haven't got ta answer yet. so what am I to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On Monday, XX/XX/XXXX, I, XXXX XXXX received a letter from " Equifax '' dated " XX/XX/XXXX '' demanding/requiring that I provide sensitive personally identifying information via the mail service to verify my identity. This is unreasonable and unacceptable. Countless times, I have attempted to have a fraud alert placed on my Equifax credit file due to recent data breaches that I have been notified about. Equifax has been impossible to work with. Equifax has been unavailable and inaccessible. Equifax has a storied history of problematic organizational behavior. 

According to Equifax 's website =XXXX XXXX XXXX XXXX  " Participation in Trade Associations Our participation in the political process is designed to promote and protect the economic future of Equifax, our shareholders and employees, and we maintain memberships with a variety of trade associations in the United States for that purpose.

Set forth below are the names of U.S. based ( 1 ) trade associations, ( 2 ) tax-exempt organizations that write and endorse model legislation, and ( 3 ) 501 ( c ) ( 4 ) social welfare organizations, in each case, that are engaged in U.S. lobbying activities, managed by the Equifax Government Relations department , and received annual payments from Equifax of at least {$50000.00} in XXXX : Consumer Data Industry Association National Employment Opportunity Network ( NEON ) Better Identity Coalition US . Chamber of Commerce The aggregate annual amount paid by Equifax to all such organizations in XXXX, including but not limited to those named above, is approximately {$1.00} XXXX. '' It is clear that Equifax is only interested in benefiting themselves and NOT the American people or Americans like myself. 

The corrupt U.S. government allows companies like Equifax to keep on keeping on. All the while Equifax has refused to assist me both now and in years past. This is now well documented in my various Consumer complaints with this agency over the past number of years. 

Fortunately, XXXX quickly assisted me online with placing a fraud alert on the XXXX credit file and assured me that XXXX had also notified XXXX and Equifax to do so as well. With that said, I have ZERO faith that Equifax has followed through on that notification. 

XXXX also notified me that they too have placed a fraud alert on my XXXX credit file and assured me that XXXX notified XXXX and Equifax to do so as well. Again, I have ZERO faith that Equifax has followed through on either of those notifications. 

I am submitting this latest complaint to draw attention to Equifax 's business practices which I find to be both gross and nauseating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: A.R.M. Solutions, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX repeatedly harasses me for XXXX XXXX payments that are not overdue. Starting in XX/XX/2023, the company began calling and sending me letters for overdue payments that were not overdue. In XXXX, the payment owed was posted on the portal on XX/XX/2023. I paid the bill via the portal on XX/XX/2023 and received an email confirmation. The next day, I received a phone call telling me my bill was overdue and needed to pay the balance. I explained to the rep that I paid and received an email confirmation for payment. I spoke with an account manager about it later that week, but still received a notice about a week after that, indicating that my payment was overdue. I checked the portal and I still did not have a payment due and the next bill was not posted. On XXXX XXXX, the next payment was posted and I paid it on XX/XX/2023 with email confirmation and the payment showing in the billing history. About ten days after this I received another notice that this payment was overdue. I receive no notices when these payment due notices are posted and I'm still paying promptly. The payments on the portal are not visible when they are posted as I checked it a few days prior to my XXXX payment and did not see it. I paid it as soon as it was visible. I submitted a complaint with the XXXX XXXX XXXX  on XX/XX/2023 about these practices. This is the initial response that I received : " Since you have elected to forego auto-pay, this does increase your chances of being notified of a past due bill since these bills have not been paid on time since XXXX. I can assure you that you are not, at this point, being dinged or reported to any credit bureau agencies. '' However, today, XX/XX/2023, I received a notice from a debt collector ( A.R.M Solutions ) that I owe {$34.00} as of XX/XX/2023. However, this was paid on XX/XX/2023 ( 7 days after being posted ) and I currently have a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as 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 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 XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent

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 2023-09-11 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: CA

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as 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 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 XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent

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 2023-09-11 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: DISCOVER BANK
State: FL

Complaint narrative:
I am writing to express my concerns and seek your assistance regarding a recent dispute with regard to a charge on my Discover Credit Card for a coaching program purchased from XXXX XXXX. 

On XX/XX/2023, I enrolled in a coaching program offered by XXXX XXXX with the expectation of receiving valuable guidance and support to help my business achieve a sales target of {$30000.00}, as stated in their program 's terms and conditions. However, upon completing the coaching program, I found that the promised value was not delivered as agreed upon. 

Throughout the duration of the program, I diligently followed the guidance provided by XXXX XXXX, but despite my efforts, I did not experience the progress or results they assured me I would achieve. As the program concluded after four months, rather than fulfilling their commitment to work with me until I reached the sales goal, XXXX XXXX attempted to persuade me to enroll in another program instead. 

I am currently faced with a situation where I have paid a significant sum of {$8000.00} for a coaching program that did not provide the intended benefits or uphold the assurances made at the outset. Out of the total amount, {$5500.00} was charged to my Discover Credit Card. In light of these circumstances, I initiated a dispute for the charge in question. Discover sided with the merchant. Even though I did not get the intended value from the service they are saying in the contractual agreement there are no refunds. I believe my dispute is valid and grounded in the fact that the service provided by XXXX  XXXX did not align with the terms they initially presented, leading to a breach of contract on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: Synovus Bank
State: TX

Complaint narrative:
I AM A VICTIM OF IDENITY THEFT 15 US CODE 1681 C-2 A CONSUMER REPORTING AGENNCY SHALL XXXX THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM ALLEGED IDENITY THEFT, NOT LATER THAN 4 BUSINESS DAYS AFTER DATE OF RECIEPT.IT HAS BEEN 30 DAYS AND YOU ARE IN VIOLATION OF THIS LAW BECAUSE IAM A VICTIM OF IDENITY THEFT!! PLEASE DELETE THE FOLLOWING ACCOUNTS 1 ) FIRST PROGRESS CARD OPEN XX/XX/XXXX ACCT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ACCT XXXX THESE ACCOUNTS SHOULD NOT BE FURNISHED ON MY CONSUMER REPORT AS THEY ARE IN VIOLATION UNDER 15 US CODE 1681 B NO CONSENT IDENITY THEFT PLEASE REMOVE AS COSMER I AM DEMANDING DELETION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11 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: GA

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-09-11 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I am writing to address an issue with my Synchrony Bank ( TJ Maxx ) account. My bill is due on the XXXX of each month, and I consistently paid between the XXXX and the XXXX and sometimes earlier. Despite receiving confirmations of my timely payments, my account was repeatedly marked as past due. However, when reviewing past statements it does not indicate repeated dishonored payments. 

Upon contacting TJ Maxx, I was informed that payments made the day before the due date could still be considered late due to a 48-hour posting delay in their system. However, this information is not available on their website. 

Because of this confusion, I was charged an extra {$100.00}, resulting in two payments for the month of XXXX. Although TJ Maxx reversed a {$38.00} late fee when I reached out, they subsequently closed my account. This situation has not only been confusing but has also unfairly impacted my credit score. 

I seek clarity and rectification on why a payment made a day before the stipulated due date is considered past due without transparent communication regarding the 48-hour posting delay.

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 2023-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-09-11 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: NJ

Complaint narrative:
I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe XXXX XXXX. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.

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 2023-09-11 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to dispute a charge on my XXXX credit card for a rental car from XXXX. On XX/XX/2022, I rented a XXXX from the XXXX location in XXXX XXXX, NJ. On the same day, I called XXXX to report that the car displayed a warning message that the brakes needed to be checked and that I should stop driving. The manager at the XXXX location said that they would give me a refund for the rental back on to my credit card, but they never did. I have called XXXX several times since then, but I have not been able to get a refund. 
I am requesting a full refund for the rental charges. I am also requesting a refund for any late fees or other charges that have been incurred. I believe that XXXX is responsible for this problem because they rented me a car that was not safe to drive. I have attached a copy of the summary of charges from XXXX. I have also attached a copy of the receipt for the rental. 
I would appreciate it if you would investigate this matter and issue me a full refund. I have been a customer of XXXX for many years and I have never had a problem before. I am disappointed that XXXX has not been willing to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My current student loan servicer is with XXXX and XXXX was my previous servicer. My student loan was transferred to XXXX from XXXX. However, XXXX is still reporting my balance that I have an open account with Experian. I have XXXX also reporting my balance to Experian too. My student debt balance is now reported as double on my credit report on Experian, one from XXXX and one from XXXX. XXXX XXXX refuse to close my balance with them and indicate it was transferred to XXXX. The double reporting of student debt has a negative effect on my credit score. 

I've attached a copy of Experian report that XXXX justified that my student loan debt is still with them.

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 2023-09-11 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: MS

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST NATIONAL BANK OF OMAHA
State: UT

Complaint narrative:
I opened an online savings account at XXXX on XX/XX/2023. My account has been restricted and frozen since I opened it and transferred money into it. Ive asked multiple time when this will be resolved and why it happened. The only response is that it is being looked at for fraud and that there is nothing else they can do and they cant tell me when it will be resolved. I transferred over $ XXXX and now its stuck in limbo and I dont know what else to do. I cant transfer money, withdraw money, use debit card, etc.

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