vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-30 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: KS

Complaint narrative:
I have tried multiple times to log into the servicers website : https : //edfinancial.com/login. I tried several times at the end of XXXX, literally the XXXX, and the site would not allow me to log in or register a new account. Recently, I was able to create a username and log in possibly on Monday evening, XX/XX/XXXX. I saved the information in a commercial password vault and tried to log in today to pay my bill. It is XXXX CST. I kept getting an error code, and whenever I attempt to contact customer service through the website I get an error code after clicking the link. This error message is familiar because it shows up every time I have attempted to pay my bill in good faith. 
This needs to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
incorrect information reporting. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: CT

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.

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 2023-11-30 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: CT

Complaint narrative:
This is the several times I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/2023 ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$7600.00} ; XXXX XXXX Balance : {$11000.00} ; DEPT OF ED XX/XX/2023 ; XXXX XX/XX/2023 ; XXXX XXXX XX/XX/2023 ; XXXXXX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Dear Sirs ; I requested a funds transfer from the investment firm Fidelity XX/XX/2023 in the amount of {$650.00}. I had several auto draft payments which tried to clear around XXXX XXXX  on the XXXX. PNC gives you 24 hours to get money transferred before they charge you an overdraft fee. At about XXXX XX/XX/2023 the transfer of funds had not posted to the checking account. I checked again at XXXX XXXX the transfer from fidelity had still not posted to the account. At XXXX the transfer of funds finally posted to the checking account. Along with the posting of the transfer came TWO overdraft fees of {$36.00} dollars each. I called the local branch first and was told they would put the information in the computer and see what it said. I was told by the representative at the branch the computer denied the reversal of any of the fees and I asked if even one of them could be removed and was told NO. 

I also called the Executive Client Relations line and spoke with XXXX and got the same answer I will see what the computer says. She said the computer said NO. 

I had this problem before in XX/XX/2023 and was told they would not charge me any overdraft fees as long as it was not a debit card use or a check tried to clear and not charge any overdraft fees, because I had no control over any ACH drafts which were trying to clear. 

I was told today they never heard of such. I am a Senior Citizen and have a hard time as it is. In XX/XX/2023 they were charging me overdraft fees because there system always delayed the posting or giving me credit for the SS check being there but taking over 24 hours to post and showing a credit for the amount SS sent to the bank. PNC still does this they will show the SS check posted but funds are not immediately available for 24 hours. The bank reps have told me they do that because the check may not be good??? They do any transfers from Fidelity the same way. PNC just refuses to take off the {$72.00} charged. 

I appreciate your assistance in this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with TransUnion, XXXX, and XXXX. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with TransUnion, XXXX, and XXXX for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter. 


I have also took the liberty of writing United States bankruptcy court here in XXXX DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2023-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2023, i signed up online for a fifth third checking account with the promotional coupon code for {$350.00}. On that day i was able to access my account via app all night with no issues so i initiated a {$500.00} transfer from one of my current bank accounts to the new fifth third bank account which was processed on XX/XX/2023. I called customer service on XX/XX/2023 and they told me i would have to send in documents to access my account by going to a branch near me when there is NO branch near me and i repeatedly told the agent that. In order for me to access my account after me sending {$500.00} to the new fifth checking i suddenly cant access my account and they trying to keep my money without returning it. I am willing to take any legal action i can because they are NOT about to keep the {$500.00} i transferred to the account. I wish i never signed up PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: FIFTH THIRD FINANCIAL CORPORATION
State: AR

Complaint narrative:
The bank is Fifth Third bank. I have been trying to set up auto-billpay for 3 months now. I thought it was set up in XXXX when I worked with an agent in the auto bill pay department and enrolled. I expected my loan payment to be auto debited from my checking account for the XXXX loan payment. Instead I got a call from Fifth Third collections department 5 days after the payment due date. Again, I paid over the phone, but the guy I talked to said it takes 2 to 3 months to activate auto bill-pay ( which I knew was soundly incorrect ). My XXXX payment was also not debited from my checking account, and I talked to 5 different people today to resolve this, 2 of them being " managers. '' I heard a different story from each one of them as to why my bill pay is not active. Again, I paid my payment over the phone. I have never heard of this bank and plan to shop for a different lenders. Some of the reasons they gave were absurd, but all of them different. They definitely do not have their ducks in a row. The only thing I could think of for not setting up auto billpay immediately, this is a way to collect additional late fees or something. I worked as an XXXX XXXX a financial institution and knew what they ALL told me was garbage. So I told them I was filing a complaint today with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LoanCare, LLC
State: MD

Complaint narrative:
XXXX Loan Servicing and its companies- Loancare have been hacked. They have taken the entire website down, closed the call center, and have effectively went dark by not providing any information to its customers who they provide mortgage services too. To my knowledge the website and ability to access my loan has been approximately XXXXweeks ( XXXX to XXXX ). I am unable to schedule a XXXX payment or review any information about my loan. They have not made any effort to contact their clients.

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 2023-11-30 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
covid relief paid twice to the landlord and then the owner of the apartment complex received the money from covid relief and then sold the apartment complex and took the funds. lease holders were evicted and force out their homes while the owner stole millions and got away with it and left several families without a home. now they trying to collect a debt that was already paid and is not owed. 

I don't have no knowledge of this account ( XXXX XXXX XXXX XXXX XXXX ) ( {$30000.00} ). I have not supplied proof under the doctrine of estoppel by silence, XXXX v XXXX ( mo ) XXXX XXXX XXXX, i presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. The following accounts needs to be removed immediately. By provisions of the fair credit reporting act, i demand that these items be investigated and removed from my credit report. it is my understanding that you will check these items with the creditor who posted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Subject : Formal Request for Validation of Bankruptcy Entry on Credit Report I trust this letter finds you in good health. I am writing to formally request validation of the bankruptcy entry that is currently listed on my credit reports with XXXX, XXXX, and Equifax. Despite previous attempts to address this matter directly with these bureaus, I have not received the necessary documentation or validation from the bankruptcy court to substantiate the inclusion of this entry. 

It is my understanding that, in accordance with legal standards, any information reported on credit files should be supported by validation from the relevant court. As such, I kindly request that you provide the documentation supporting the presence of the bankruptcy entry on my credit reports. 

I have attached copies of my previous correspondence with XXXX, XXXX, and Equifax for your reference. I am confident that your attention to this matter will help ensure the accuracy and legality of the information contained in my credit reports. 

Thank you for your prompt attention to this request, and I anticipate a timely resolution to this matter.

I have also took the liberty of writing United States bankruptcy court here in Washington DC and they say they do not provide no information concerning individuals which I have attached Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$400.00} ; XXXX XXXX Bankruptcy Reference # XXXX Filed/Reported : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-11-30 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: OH

Complaint narrative:
I am submitting this to bring to your attention a matter of great concern regarding the presence of unauthorized inquiries on my credit reports. As previously communicated, I am scheduled to update my credit reports in fifteen days. Enclosed with this correspondence is a copy of the FTC Fraud Report, referenced under # XXXX, which I will re-attach for your reference. The following inquiries, which I believe to be a result of alleged identity theft, are currently present on my credit file : XXXX XXXX, XXXX XX/XX/2023 XXXX, XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

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 2023-11-30 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:
These Accounts have violated my rights According to FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX THIS LETTER IS REGARDING THE ACCOUNTS LISTED ABOVE, WHICH YOU CLAIM IS A COLLECTION THAT I HAVE WITH YOUR COMPANY. THIS IS A FORMAL NOTICE THAT YOUR CLAIMS ARE DISPUTED. I AM REQUESTING VALIDATION, MADE PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT. PLEASE NOTE THAT I AM REQUESTING " VALIDATION ", THAT IS COMPETENT EVIDENCE BEARING MY SIGNATURE, SHOWING THAT I HAVE ( OR EVER HAD ) SOME CONTRACTUAL OBLIGATIONS TO PAY YOU. PLEASE ALSO BE AWARE THAT ANY NEGATIVE MARK FOUND ON MY CREDIT REPORTS ( INCLUDING XXXX, XXXX, AND TRANSUNION ) FROM YOUR COMPANY OR ANY COMPANY THAT YOU REPRESENT, FOR A DEBT THAT I DONT OWE, IS A VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT FDCPA 807 [ 15 USC 1962e ] ; THEREFORE, IF YOU CAN NOT VALIDATE THE DEBT, YOU MUST REQUEST THAT ALL CREDIT REPORTING AGENCIES DELETE THE ENTRY. PENDING THE OUTCOME OF MY INVESTIGATION OF EVIDENCE THAT YOU SUBMIT, YOU ARE INSTRUCTED TO TAKE NO ACTIONS THAT COULD BE DETRIMENTAL TO ANY OF MY CREDIT REPORTS. FAILURE TO RESPOND WITHIN 30 DAYS OF RECEIPT OF THIS WILL RESULT IN SMALL CLAIMS LEGAL ACTIONS AGAINST YOUR COMPANY AT MY LOCAL VENUE. I WILL BE SEEKING UP TO {$5000.00} IN DAMAGES FOR : 1 ) DEFAMATION 2 ) NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3 ) VIOLATION OF THE FAIR CREDIT REPORTING ACT AND FAIR DEBT COLLECTION PRACTICES ACT. YOU WILL BE REQUIRED TO APPEAR IN A COURT VENUE LOCAL TO ME, SINCE YOU ARE CLEARLY DOING BUSINESS IN MY AREA. FOR THE PURPOSES OF Q5 USC 1692 et seq, THIS NOTICE HAS THE SAME EFFECT AS A DISPUTE TO THE VALIDTY OF THE ALLEGED DEBT AND A DISPUTE TO THE VALIDITY OF YOUR CLAIMS. Please Note : THIS notice is ab attempt to correct your records, and any information received from you will be collected as evidence should any furthermore ACTIONS be necessary. This is a request for information only and is not a statement, election, or waiver OF status.

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 2023-11-30 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: OH

Complaint narrative:
My information with Equifax has been breached and here is my proof and they refuse to delete these accounts : XXXX XXXX - acct # XXXX XXXX XXXXXXXX - acct # XXXX XXXX  ( XXXX  ) - acct # XXXX Please delete these accounts from my credit report immediately as I was a victim of this data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-30 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: Nelnet, Inc.
State: MI

Complaint narrative:
So my federal loans have been tranferred over from great lakes services to Nelnet.com now. Since it has been transferred over ive had problem after problem with my account. I original spoke with a representative in XXXX to set up my s.a.v.e. plan application from my idr repayment plan. So the lady told me it was all set and should expect confirmation of my application and gave me my payment monthly. My payments were to resume in XXXX so i tried to get it done way before. A month goes by and still havent heard anything. So i tried calling every day and could never get through to speake to someone. I wrote several emails on there contact us portion on there website and have yet to even get a response. I sat on the line for 3 hrs on hold several times and still couldnt get through. i cant sit waiting that long since i have to work. So my wife called and sat on hold for 4 hours. Well speaking to them she told me my application was incomplete and waiting on me.So the first contact was incorrect on my account. I do another application on federalstudentaid.gov and correctly did it again. Another month goes by and hear nothing. So again i called several times and emailed several times and finally get ahold of someone. She said at this time i would take a month to process my application. So my first payment was incorrect and had to pay that amount. She also confirmed my account was just waiting on processing. This was in augus. So currently i get emails still stating my account is still in processing and now its XXXX. Then out of nowhere they put my account in forebearennce and i never agreed to that, im trying to pay my account and specifically told them this. I just received another email talking about my application is not done yet. I dont know what to do. This is very frustrating and want my payment set to what it should be. I dont know who else to contact on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30 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: MD

Complaint narrative:
I was going through my credit file & realized that theres a security freeze on my credit file.

Company response to consumer: Closed with explanation