vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
A balance transfer check was issued to Walmart Mastercard and the check was mailed to the wrong address. The check was received by Synchrony Bank instead of XXXX XXXX as intended. The check was cashed XX/XX/XXXX by Synchrony Bank in the amount of {$5000.00} check number XXXX. Multiple attempts to have the money returned to the correct account have failed. Called Synchrony Bank on XX/XX/XXXX and was informed to fax a letter requesting a refund. Fax letter with a copy of the cashed check XX/XX/XXXX. Faxed letter and check again XX/XX/XXXX. Called Synchrony Bank again XX/XX/XXXX and was again informed to fax a letter. Faxed letter and copy of check again XX/XX/XXXX. Sent letter and copy of check again XX/XX/XXXX and XX/XX/XXXX. Each time I have called I requested a manager or supervisor and was informed the call can not be transferred to manager. Customer service has been no help in resolving this issue. Was also informed that if there is no account number with Synchrony bank they can not help.There is no account with Synchrony Bank becasue the check was sent to the wrong bank in error. I explained the balance transfer check was sent to them in error and the funds need to be returned. The faxed letter has all the information needed to send the refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: NJ

Complaint narrative:
My name is XXXX XXXX and I was a managed user on my father in laws card. Me made me aware that he called in about my identify theft I been fighting and was asking about who would be responsible for the fraudulent debt paid with a XXXX  to XXXX  XXXX and the answer is XXXX  XXXX. With that said he told Discover not to do anything and leave the card alone. However, the agent decided to take it upon themselves to dispute not just XXXX  XXXX but all 12 Balance transfers that were done on that card. This caused mass confusion between myself and XXXX XXXX my father-in-law. We called multiple times at first with no responses and no one able to help telling us that they can not on undispute a dispute Which makes absolutely no sense because every card company I know of has done that. This resulted in two of my credit cards shutting down because they thought I did it and that was against their policy XXXX XXXX  now has two cards shut down of mine which I was using to run my company and ultimately made me lose a ton of money and hurt my credit to the point where it was impossible to get a new one. Eventually we got in touch with somebody that undisputed the dispute and we got a letter stating that however somewhere along the line it got reversed then undisputed again and reversed then ended up saying that they couldnt determine who we were so we were responsible for the debt which also got reversed and then came the same balance that we had previous even though they took money back from XXXX  XXXX XXXX and other institutions and said that they never received it finally they ended up finding it and crediting it back but not giving it back to the company like we told them to because they messed it up so we needed the money to go back to the institution that they originally paid so the cards can get reopened and we can get a letter stating it was a bank error and there was no issue on our side Discover credit card did not do this and still to this day did nothing to help us I and my father-in-law wrote a letter sending to all institutions of the issue that was going on with Discover and that they will be getting their money as soon as we can figure out what was going on. Most institutions listened however there was time frames and discover has missed them by far which is why I have two closed credit cards which ultimately hurt my credit a lot and the inability to run a business because I need to make purchases for every guy I hire equipment wise vehicle wise so on and so forth. With this being said we need this fixed asap as I can not build my company and provide for my family. And its very frustrating and I can not continue to fight banks and credit card Companies anymore as Ive been fighting them for over a year because of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
On XX/XX/22, I initiated a bank to bank transfer of {$1000.00} from my checking account at People 's United Bank ( now M & T Bank ) to my savings account at CT XXXX XXXX XXXX XXXX ( " XXXX '' ). The transfer shows as having gone through on M & T 's side, but as of today 's date ( XX/XX/22 ), my money has still not arrived in my XXXX account. I called M & T on XX/XX/22 and was on hold for 3.5 hours before I finally got through to someone. The representative told me that transfers not going through is a " known issue. '' She suggested that I wait a couple of days to see if it ended up processing through on its own, or said I could go to a branch to cancel the transfer. I opted for the second option. On XX/XX/22, I went to a physical M & T branch to cancel the transfer, but was told that there was nothing that could be done because their system showed the transfer was completed. At that point, I opted to close my accounts with M & T Bank. I also filed a dispute with M & T regarding the transaction. This is completely unacceptable. {$1000.00} is not a small amount of money. There is no reason why somebody should have {$1000.00} of their money sitting in limbo for 2 weeks and counting. This has caused me a great deal of stress, not to mention at least 6 hours spent trying to get it resolved on the phone and in-person at the bank.

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 monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COAST PROFESSIONAL, INC.
State: SC

Complaint narrative:
Summary : Coast Professional ( debt collector ) is using false information to intimidate and mislead Perkins Loans holders into paying debt that is supposed to be forgiven. 

I am a Federal Perkins Loan holder. For five years I worked as a XXXX XXXX XXXX ( high needs subject area ) in a Title 1 school. Both of these qualifications make me eligible for yearly deferment of payments and cancellation of a portion of the loan each year for 5 years until the loan is entirely forgiven. Every year I have filled out the required paperwork which includes employment verification from the school district I worked with. This year, even though they have accepted it in the past, the lender XXXX XXXX XXXX ) rejected my application because it was signed with a digital signature. Their current paperwork even states that digital signatures are accepted. Anyway, in the process of redoing my paperwork, the lender sent my loan to collections ( everything has to be done by snail mail because the district 's official stamp - required by the lender - will not show up when electronically scanned, the paperwork has to be completed at the DO - no one at my actual school could do it - per lender 's requirements, and I live an hour from the town where I taught ). 
So, my loan ended up with Coast Professional. When I called XXXX XXXX to dispute everything, they told me I needed to call Coast Professional and ask them to send the loan back to them. XXXX XXXX conveyed that this would not be a problem. I think they knew better, but I've already sent in a complaint about them. 
The first person I spoke to at Coast Professional ( I believe the date of this call was XX/XX/2022 ) claimed they could not help me, and my only recourse was to either consolidate my Perkins Loan into my PSLF loans ( which would effectively require me to make payments on the Perkins Loan which was eligible for immediate forgiveness ), or to set up a payment plan with Coast Professional. I refused to do this and demanded the company do what XXXX XXXX told me they could do. This call center employee then transferred me to a " manager '' who FALSELY claimed I had lost my eligibility for forgiveness because the loan was now in default. Eligibility for Perkins Loan forgiveness can not be taken away as a result of late paperwork or other clerical errors that put it into default. This is FACT ( which I know because I've gotten my university involved in this matter ). She then threatened to share negative information about me with my university. I told her I would call them myself and asked for the number she had. She gave me a phone number that turned out to be fake and not associated with my school. ( All of my university 's numbers begin with the same three numbers, this one did not and went to XXXX XXXX of XXXX recording ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: ECMC GROUP, INC.
State: FL

Complaint narrative:
In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. 

b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 hand written instructions. 
15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I opened claim with my bank about unauthorized endorsement or alteration to the check. I wrote a check on XX/XX/XXXX to XXXXXXXX XXXX XXXX XXXX  for the amount of {$1900.00}, end of the XXXX the check was cashed out to different payee and different amount ( {$9900.00} ) End of XXXX I travel out of the country with my kids and I returned middle of the XXXX. My billing cycle was about XX/XX/XXXX. I did not see this transaction until I came back home, I got notice from XXXX XXXX. that my bill is unpaid. I contacted my bank twice a week or so, everybody was telling me that can't say anything, I will get my money back soon. On XX/XX/XXXX, I called again and one of agent I spoke to (. hard to remember their names ) told me that my case is closed and I will not get my money back, this lady was very unpleasant, I asked her what can I do more, she said " you have no more options ''. I said thank you and disconnected phone call. I called again in few hours to ask for the reason of denying my claim, I and my husband spoke to another lady - she told us that we did not fit in the time frame - she told us that we supposed to reported it to the bank in 65 days from billing cycle, so I counted and told her that we fit, she was speechless for 30 seconds and disconnected the call and never call me back, so I called again ( this time I recorded all conversation ) I spoke to somebody who wasn't sure about how many days I had to reported the scam but he said something about 30-35 days, I asked for superviser, on the beginning he did not want to connect me to, but after couple time we asked for manager he transfer us. We spoke with manager / vice manager, he wasn't sure too what is the time frame for reporting this, I found that each bank can but doesn't have to do anything. If I wanted to open account I was told that bank has insurance and I do not have to worry about my money. Now bank deposited check that was visibly altered. I reported everything to XXXX, I spoke to Detective who said that check should never be deposited. Bank has no responsibility for depositing/ cashing " bad check ", but seeing alterations on big check bank should contact me or just block transactions. Now I lost a lot of money, and people in banks don't do anything. Bank even didn't want to tell me where my check was deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XX/XX/XXXX XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I disputed the following accounts on my credit report to have them removed and they were updated instead : XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This leads me to believe that a fair investigation was not conducted. Experian nor any other reporting agency has my written instructions to furnish this information. How did the credit bureaus verify these accounts as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022 I filed a complaint in Experian website about my credit report. In their report they were duplicating my student loan balances that has been transferred from XXXX XXXX to XXXX  XXXX. Basically they showed as I had double the amount of student loans : the original balances with XXXX XXXX before the transfer appeared as open with the original balances instead of {$0.00} balance and that they had been closed and transferred. 

On XX/XX/2022 I received a notice stating that the report will stay as it was reported, thus keeping the error. I tried to upload the letter or statement from XXXX XXXX showing that all my student loans had been transferred and the balances was {$0.00} and thus the accounts closed. I could not. I called Experian telephone number suggested in the website to resolve the problem that afternoon and I talked to a representative called XXXX. He said that Experian has contacted XXXX XXXX and told them that I still had those balances and accounts, which is not truth and suggested me to call XXXX XXXX instead of correcting their errors. Afterwords I tried again to upload the letter/statement from XXXX XXXX showing that all my student loans had been transferred and had {$0.00} balances but I was unable to do so. Instead Experian seemed to want to sell me membership and services that I don't want or need.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXX CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND STATED THEY'D FIX THE PROBLEM.. THE EMPLOYEE AT THE STORE WAS THE ONE THAT HAD MADE THE MISTAKE OF CHARGING ME THE EXTRA XXXX XXXX  THAT WASNT SUPPOSE TO BE CHARGED. I'VE NEVER GOTTEN A BILL IN THE MAIL ABOUT IT.XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma, LLC
State: WI

Complaint narrative:
Credit Karma sending numerous emails stating that I qualified for many different credit cards. Was denied one everyone I applied fot

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I CALLED ALL THREE CREDIT BUREAU 'S I'VE CONFIRMED WITH THEM THAT THE ACCOUNTS HAVE BEEN PAID AND CLOSED.. THEY CONFIRMED THAT AS WELL.. THEY TOLD ME TO CALL THE CREDITOR ABOUT IT..THEY TOLD ME THEY'D UPDATE THE ACCOUNT AND REPORT TO THE CREDIT BUREAU 'S THAT EVERYTHING IS PAID ON TIME AND NO MISSED PAYMENTS.

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