vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: FL

Complaint narrative:
I have been trying to get my teacher loan forgiveness app submitted/ approved by Edfinancial for over 2 months. Throughout the month of XX/XX/XXXX, their upload inbox for the signed application materials would not work and I consistently received error messages, including " The requested URL was rejected. Please contact your administrator. '' Support ID # is XXXX. '' I finally got my application items submitted on XX/XX/XXXX. The inbox said it would take 10 business days to review and I never heard back. I sent a message using their email system on XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX and have never heard back. I have tried to call multiple times. One time I was quoted 240 minutes and that I could " request a call back '' - they never called. Today I was quoted 180 minutes, 4 hours and 16 minutes later, they still have not answered the phone and I continue to wait .... I need them to please process/approve my Teacher Loan Forgiveness app. I am eligible for XXXX in loans to be waived due to my 5+ years teaching in a low-income school. Every day that they continue to ignore me, my loan collects interest. Not only do they ignore my TLF application, emails and calls, but they sent me " ecorrespondence '' on XX/XX/XXXXXXXX  about my interest and need to repay the loan, with no option to reply...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am having a problem with {$250.00} that I sent to a friend on XX/XX/, to pay for some products he picked up for me from XXXX XXXX. I sent the money through my XXXX checking account using Zelle, which I have done many times before, and he has never received the money into his bank account and it's been almost a month now. I put in a claim with XXXX and they said because the telephone number used was correct for the correct person and the money went out of my account there was nothing that they could do for me. My friend has an account with XXXX  XXXX XXXX. I was directed to call Zelle on XXXX which I did but they won't help they directed me back to XXXX on the call. After that call to the Zelle number and being transferred back to XXXX, I have tried numerous times to call Zelle back at same number to no avail. They only give automated instructions to call my bank. I can not believe that {$250.00} is just floating around out there somewhere and Zelle won't even looking up to see that the transaction came to them and that they transferred it to the XXXX  XXXX XXXX account. I am a senior and I don't have money to just loose. Please give me some direction. I will of course never use Zelle again, I'm going back to writing checks or paying with cash only. Zelle is not to be trusted. so many cheating people and businesses out there. Shame on them. 
I sent them an email from their website and here 's what I received back. 

Hello, Thank you for reaching out to us. 

When you are enrolled with Zelle at your financial institution : When using Zelle within your financial institutions mobile app or online banking service, your bank or credit union will assist you with any issues you may be experiencing. For further assistance, please reach out directly to your financial institution at the number on the back of your debit card. 

If you are using the Zelle app or need assistance with enrollment : Call us at XXXX for immediate assistance with enrollment or payment questions regarding the Zelle app. We are open 7 days a week from XXXX to XXXX ET, excluding XXXX, XXXX XXXX  and XXXX XXXX XXXX. 

Regards, Zelle Support Have more questions? Check out these FAQs. 

Thank you for hearing me XXXX XXXX XXXX ( XXXX ) XXXX This is the day that the Lord has made, let us be glad and rejoice in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXXXXXX XXXX for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX XXXX to my credit builder account and transferred XXXXXXXX XXXX out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXXXXXX XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, XXXX and Transunion states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX  is refusing to acknowledge the fact the XXXX $ XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXXXXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have chime provide proof that I owe the XXXX XXXX You can not say I owe XXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXXXXXX XXXX  from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX XXXXo the XXXX  XXXX stated to the XXXX  upon closure XXXX XXXX  was debited and posted to my account. XXXX I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX  balance sure.

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 2023-09-28 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: GA

Complaint narrative:
On XX/XX/XXXX I received notifications that XXXX reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with XXXX trying to resolve this issue since XXXX. XXXX responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX  admitted a error occured and the delinquency will be removed when my credit report updates, I told XXXX my credit updates in real time and XXXX, Equifax and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. XXXX is refusing to acknowledge the fact the XXXXXXXX XXXX XXXX owe is a error, on XX/XX/XXXX I added XXXXXXXX XXXX to my account on XX/XX/XXXX I transferred XXXXXXXX XXXX out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX XXXX  I called XXXX and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXXXXXX XXXX in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit card builder account was never a negative balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported XXXX  to the XXXX XXXX stated to the XXXX  upon closure XXXXXXXX XXXX  was debited and posted to my account. XXXX. I attached the statement of that, XXXX  is falsifying transactions. I did not have a XXXXXXXX XXXX balance on my account before closure or on closure day, there wasnt a XXXX balance sure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received notifications that chime reported a past due delinquency of XXXX $ for XX/XX/XXXX to the credit bureaus, upon research there were no transactions made on the accounts in XXXX. on XX/XX/XXXX I transferred XXXX $ to my credit builder account and transferred XXXX $ out of the account on XX/XX/XXXX. I have XXXX emails with chime trying to resolve this issue since XXXX. XXXX  responds back with a generic email stating the information has been updated even though it hasn't. In XXXX of the emails XXXX admitted a error occured and the delinquency will be removed when my credit report updates, I told chime my credit updates in real time and Experian, XXXX and XXXX states they never received any information in regards to a delinquency being removed, instead another delinquency has been reported for XXXX. 
This technical error that XXXX has made has caused immediate financial stress into my life. chime is refusing to acknowledge the fact the XXXX $ I owe is a error, on XX/XX/XXXX I added XXXX $ to my account on XX/XX/XXXX I transferred XXXX $ out of my account, that left my account with a XXXX balance. they werent any transactions or any balance due on the account since XXXX, XXXX balance and XXXX transactions and ontime payments were reported to the credit bureaus in XXXX XXXX and XXXX. In XXXX It stated I owed XXXX $ I called XXXX  and they stated it was an error I dont owe anything. Please have XXXX provide proof that I owe the XXXX XXXX You can not say I owe XXXX $ in XXXX when it wasnt owed in XXXX or XXXX. This is the same XXXX $ from XXXX, my account had a XXXX balance. my credit XXXX XXXX account was never a XXXX  balance, you add money and you spend the money you add. Please scroll down to page XXXX. I reported chime to the BBB. XXXX stated to the XXXX upon closure XXXX $ was debited and posted to my account. XXXX. I attached the statement of that, XXXX is falsifying transactions. I did not have a XXXX XXXX  balance on my account before closure or on closure day, there wasnt a negative balance sure.

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 2023-09-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo refuses to answer me regarding mortgage payments that I made. 
Wells Fargo requested more time to locate payments that I sent to them while stating they had no knowledge or re cord of receiving such payments. 
No, they ran out the clock and closed my case. 
Wells Fargo apparently denied receiving XXXX XXXX XXXX  from me while placing me into default.

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 2023-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am refiling this complaint another time to CAPITAL ONE for allowing the fraudulent account and for not correcting this on my credit report. I filed an FTC report for this another complaint, with the identity theft report number XXXX. As I checked my credit report this fraudulent account is still reflected on my credit report. I was expecting that I they will correct this erroneous account and to provide accurate credit reports. 

This account had multiple inaccurate information on my credit report the payment history, date of late payments, payment status, date of last payment, and violation under FCRA policy. I have again attached the FTC report together with my drivers license and proof of address, should this be deleted in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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 USC 1681. 

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 inructions 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 XXXX 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 2023-09-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 inructions 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 XXXX 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 explanation
Consumer complaint received 2023-09-28 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family.

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 2023-09-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express gift card from my employer last XXXX. The initial balance was {$500.00} and I was able to use {$410.00}. At this point the card has stopped functioning and it is declined at every purchase opportunity I make. There is {$89.00} left on the card and I have tried to use it in person and online, and every time it is declined. I have tried reaching out to American Express, but received no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28 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: EQUIFAX, INC.
State: CA

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. 

Account Name : XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28 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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX 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 explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2023 Bank of America sent a letter stating i owe a debt that has not been verified correctly and has not issued a judgement on me and still hasnt verified that debt that is owed to them in the amount of 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 2023-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I am trying to access funds from my Venmo Account. I submitted a ticket on XX/XX/2023. They seem to be giving me the run around and state they can only help via email, and that it is faster, when it is not. I asked to speak to a supervisor, but they put me on hold for over 10 minutes. Ask to reset my password, which I did, but have not received a response on why or how I can access my funds. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 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: CL Holdings LLC
State: GA

Complaint narrative:
I am not liable for this debt with XXXX XXXX. I do not have a contract with Jefferson capital system I am not liable for this debt with XXXXXXXX XXXX XXXXXXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent in a letter with an explanation that 15 inquiries had been made without my authorization. I attached an FTC REPORT outlining identity theft. They have not done anything about it.

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 2023-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
in XXXX i made a payment & voluntarily called them and told them i wanted them to come get the car because i no longer want it due to the fact no one has shown me paper work nor can give me warranty information about my car! ive been calling since XXXX for them to come get my car & they stated they didnt want the vehicle they only wanted money & hung up in my face!! they causing my credit to drop for no reason and i dont know what else to do

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