vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Synovus Bank
State: TX

Complaint narrative:
I'm trying to build credit and FirstProgress charged me for a credit application {$29.00}. 

They sent an email asking for me to upload documents on their site, but the site doesn't work. The phone number for help can not deal with applications at all, they have no ability to help. 

They said to post the info. I post the info and got no response. 

I called several more times and was told to just send more letters. I sent another letter and got no response. 

The application status page says " We are unable to provide you with additional information about your application at this time. Please contact XXXX if you need assistance. '' I've spoken with them and they cant help or do anything. At this point they have charged me {$29.00} for an application and are now ignoring all correspondents from me. 

They have stolen my money. Also the {$29.00} was to get a fast application. I already have a credit card with other people now as this prosess has been going on for weeks and weeks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: PA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account 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 2022-10-17 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: NC

Complaint narrative:
I am a victim of ID Theft and I filed a police report and provided to the credit bureaus however they have not provided me with detailed information I have requested which is required by law according to my attorney. 

In accordance with the Fair Credit Act XXXX the Accounts listed in this complaint, has violated my rights. 

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act Convergent the information provided below has violated my rights.

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

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Accounts that I did not open nor authorize and are due to Identity Theft listed below : XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2022-10-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: IA

Complaint narrative:
My account was suspended or Frozen due to strange activities they claim yet while going through this my money was moved or removed out of my savings and checkings account and the amount of {$630.00}. Without my permission or authorization. My accounts supposed to be secured and yet they allow this to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: IL

Complaint narrative:
XX/XX/2022 Payment Made {$19000.00} XX/XX/2022 Payment Made {$19000.00} I had a total student loan at EdFinacial of {$39000.00}. I paid off {$19000.00} of this on XX/XX/2022 as a bulk payment. Then I made another payment of {$19000.00} of bulk payment on XX/XX/2022 and paid off my entire remaining student loan balance. 

On XX/XX/2022 I spoke to a representative at edfinancial and requested {$20000.00} of my balance get refunded back to me and the loan balance be reinstated at edfinancial so that I can apply for the One time Federal Student Loan Debt Relief for {$20000.00} for which applications have already launched. I cant apply until loan balance of {$20000.00} gets updated in edfinancial and XXXX It has been more than 1 month now and I have not received my refund of {$20000.00} and I do not see my balance updated for {$20000.00} on edfinancial and studentaid.gov Side Note : Also the XXXX XXXX  page at Login has misleading information provided by edfinancial which says " You will have to wait until the end of next year XXXX XXXX to submit the debt relief application '' XXXX XXXX is the deadline by which to apply for student debt relief application and this is contrary information which states one can only apply after XXXX XXXX. PLEASE ask them to correct this as this can be misleading information for all student borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRSTBANK
State: CO

Complaint narrative:
On XXXX XXXX XXXX I sent a XXXX payment to my friend XXXX XXXX for {$350.00} as payment for a loan. I am a XXXX y/o male on XXXX and have used XXXX a few times in the past. The only thing I did different was I used my cell phone instead of my pc to send the money and I don't understand how my friends payment information came up wrong. I have never used it to pay her but I have received payment by her many times. Anyhow the first thing we noticed was that her name came up wrong on my payment to here. It is usually sent to XXXX XXXX. This one went to XXXX XXXX XXXX and the phone number was off by just one number. I know for a fact that I didn't will out her name wrong or type in the wrong number. When she told me she hadn't received payment I alerted the bank which was on XX/XX/XXXX and they started a investigation which will take 30 days to complete and I just don't have that kind of money to throw away especially now trying to get by on a fixed income with the cost of living so high. So we are waiting for First Bank in XXXX to finish the investigation. Praying I get my money back. Will I ever use XXXX again? No ......

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
I'm not sure but the sheriff show up to my mother 's house in a state I haven't lived in for over a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: IL

Complaint narrative:
Took a loan from deferred compensation company, XXXX and mobile deposited that check to US Bank in XXXX, Illinois on XX/XX/22. On XX/XX/22 the deposit still was not showing on my account, called above local branch bank and was instructed to come in and deposit it in person as it may have been too large to do as a mobile deposit. Did as instructed and on XX/XX/22 the bank revoked the transaction and removed the funds from my checking account. On XX/XX/22 they again debited my account for the same amount so it was a double debit. I received a letter and a copy of the check and the letter stated the bank was delaying availability of the funds because it had reason to believe the check may not be paid.I called and went in to the bank and was to again attempt to deposit the copy of the check on XX/XX/22, which I did. On XX/XX/22 the bank again debited that money from my account and I was told that I needed to contact XXXX as the bank had returned the check to them. I contacted XXXX on or about XXXX and was told that they were seeing the check as having been cashed and could not do anything else. Over the course of these last weeks I have called or gone into the local bank, spoken to the branch manager, called the banks XXXX hotline, called XXXX and XXXXXXXX XXXX as they issued the check, multiple times, and all of these efforts have led me nowhere as they each say it is not their issue. I have not received this money and today the first repayment for the loan was debited from my checking account. If you cant assist me do you have any other contacts you could suggest for me? Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Remitly, Inc.
State: MN

Complaint narrative:
On Saturday, XX/XX/2022, I went through the remitly app to send to {$55.00} to my nephew in XXXX which is XXXXXXXX XXXX in XXXX funds and as of today which is XXXX XXXX it still says in the application that the transaction is in progress but yet the funds was taken off my credit card and I was charged a cash advance fee as well but the funds still haven't been released or received by my nephew. I have called every single day on this matter and I continue to get the same response that it should take 4-5 hours to be resolved but yet it has been a week and 2 days now and nothing has been resolved or rectified. This is absolutely unacceptable and I am very appalled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
i purchased a certified XXXX XXXX with XXXX miles, XXXX miles later the engine needed a full replacement. they didn't want to honor the factory warranty which is good until XXXX they claimed the vehicle had been flooded meanwhile it was a mechanical failure. my insurance paid {$20000.00} for the new engine and i paid {$2000.00} deductible. the car never had enough miles for a service appointment. fast forward three months later with a new engine that has 2 years warranty, the car experienced the same issue now with XXXX miles more, still not needing a service appointment because it had not reached enough miles for an oil change. they claimed the same issue once again to not honor the warranty ( s ) neither the factory warranty or the new engine warranty. this time around the cost would be {$14000.00} with a {$2000.00} deductible. my insurance is stating it is a mechanical issue and not flooding, i contacted Mercedes Benz USA to have them buy back the vehicle and they refused not stating a reason why. the car has been in my ownership 7 months and has required over {$36000.00} in repairs not covered by them and the vehicle value is {$52000.00} at this rate i will end up paying for this vehicle twice because it is a LEMON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
paypal account number XXXX amount {$1000.00} i don't know this person or have a pay pal haven't for a long time because of the fraud being done to me when my identity was stolen and the same thing happened with XXXX XXXX i dont have this money so i don't understand why this is happening again got a letter in the mail about this and i want to dispute it thank you for your time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
I would like to dispute this debt under the " No Surprise Medical Debt Act '' I went to the XXXX  not feeling well at the early onset of COVID not know what was the matter. I was covered under my XXXX  insurance plan from my previous employer. I was laid off at the time because our office closed down in fear of the spread of COVID. I was treated and released the same night, It turns out I had XXXX XXXX? they gave me an XXXX and a XXXX XXXX XXXX ... which was {$120.00} dollars by itself. The Pharmacist was kind and had mercy on me and only gave me 3 of the 30 pills they prescribed based on the size of the stone and charged me {$20.00} bucks. 

This debt was a TOTAL SURPRISE, In that I thought I was covered or I would have never went to the XXXX, in addition to this NO one on the staff ever told me what the charges may be else I would have NEVER submitted to any treatment as a single, laid off woman. 

This kind of Surprise Billing in not only unfair but unkind. Now thanks to the " no Surprise Medical Debt act '' it is now UNLAWFUL. I pay my bills, I never extend myself further than my reach. Because of this debt being reported to the credit bureaus it has negatively impacted my otherwise good credit rating. Please help me by making them remove this debt. Please and thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CT

Complaint narrative:
I filed fraud claim n XXXX of 2021 provided police report and discover promised to issue me a check for the full amount that was used because of fraud charges which I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I filed for a refund of payments made during the Covid pause on XX/XX/XXXX. I haven't received any updated balance or return of the requested refunds as of XX/XX/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17 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: MOHELA
State: VA

Complaint narrative:
I called Mohela on XX/XX/XXXX to request a refund of payments made during the payment pause. During that call, I was told the refund would take up to 30 days. 
I checked XXXX and saw that some were being processed faster so I called on XX/XX/XXXX to confirm they still had my request. They said now the wait time is 4-6 weeks. 

I called on XX/XX/XXXX, and now was told that the wait time is 90 days. When I asked what Mohela intends to do, I was told there is no plan to ensure that the money is returned to me before the applications close on XX/XX/XXXX. This impacts my ability to request debt relief as my account is paid off. I need to show a balance in order to qualify for debt forgiveness. 
Additionally, the hold times are exponential. It tells you 1 minute, and takes upwards of an hour. 

Based on this and other complaints Ive read, its apparent that Mohela intends to run out the clock on refunds preventing borrowers from obtaining student loan forgiveness. 
See cease and desist from XXXX and XXXX. It should be noted at the time of repayment, I was living in CA as my husband was XXXX  at XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation