vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-22 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: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: GA

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-09-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 
I submitted a notarized self attestation under the penalty of perjury in addition to a copy of my birth certificate, a list of adverse items to be blocked that are a direct result of human trafficking. 
I spoke with a manager at the number designated for survivors and was told on a recorded line that my notarized self attestation was not acceptable that I needed to submit additional victim documentation. The information was in violation of rule 605c. Please block the adverse information listed and provide further compliance training for XXXX compliance management and their employees that will handle disputes from trafficking survivors. 

Equifax mailed me confirmation of a fraud alert that I DID NOT request. 

Please review the FINAL RULE of 605c and require additional compliance training.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2022-09-22 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am having a hard time believing that an investigation has been done because there are still errors on my credit report. I sent letters to all 3 bureaus XX/XX/2022, and again most recently on XX/XX/2022. Nothing has been validated or deleted. I received a letter in XXXX stating that the account in question was verified, but I did not receive proof validating the account or that I owe this collection agency. I have no relationship with XXXX XXXX XXXX XXXX and this account should be removed from my report immediately. I have been waiting on information for 3 months and this is unacceptable. All 3 bureaus have inconsistent information reporting for this account so how will I be able to validate what is accurate or not? I do not owe this company anything so please remove this account. I will include the letters that I have sent as well as the dispute letter stating that the account was verified. Please conduct a thorough investigation and provide names and business addresses of each individual with whom you verified this information.

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 2022-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
I received notification on XX/XX/2022 from XXXX and XXXX on my credit reports that a new collection was added. The collection agency Convergent Outsourcing NEVER sent me ANY letter informing me that they had my account from XXXX or any letter for that matter that they had my account in collections since XX/XX/2022 according to what's being reported in my credit reports. 4 months later it gets reported to my credit reports. Why was I not notified that my account was sold???!!! I would've been able to pay the account off prior to it being reported to my credit reports. I was unaware that my account had even been sent to collections because I was making regular payments to XXXX to pay the account down and they also never sent me a letter stating my account had been sold. XXXX kept accepting my payments leading me to believe they still owned my account and the whole time they sold my account to Convergent Outsourcing without my knowledge! So the original creditor XXXX never sent me any letter nor did Convergent Outsourcing. I do not owe Convergent Outsourcing any money. I have already paid XXXX the remaining balance of {$150.00} on XX/XX/2022 that was owed to them. I do not owe the collection agency because I was not even aware they owned my account until it was placed on my credit reports and I want this collection deleted from every credit reporting agency that Convergent Outsourcing has placed it on due to them not letting me know my account had been sold to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

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 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Ive identified inquiries on my consumer report as a result of identity theft. These items are not related to any transactions made by me. Ive tried to contact the companies directly to no avail. Attached you will find the FTC report, my consumer statement, and my identification proving my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I enrolled in a graduate program overseas and needed to open a special bank account in XXXX called a " Blocked Account '' which is mandatory from the XXXX XXXX. 

I made a transfer last year in the amount of around {$12000.00} last year from Chase Bank who I have been a customer with for 6 years. Then when I needed to make another wire transfer this year to fulfill the XXXX XXXX  's requirement for foreigners, Chase, without warning, froze my account. I found out because I checked my mobile banking app and attempted to transfer money to another bank account that I keep overseas while I'm here. No transfer could be made. 

When I called, they told me my account was restricted and I wasn't allowed to withdraw or transfer any money. Then when I asked why, they refused to tell me saying I'll have to wait for a letter in the mail explaining everything, then when I told them they sent it to the wrong address, they said it's too bad and I need to go into a bank to withdraw my funds. But I live in XXXX and there's no branches. Plus I can't purchase a plane ticket back to the states because they're refusing me any withdraw or transfer or purchase with my money. 

Whenever I talk to them, they're incredibly rude to me, they speak poor XXXX, and are incredibly evasive. They refuse to help me, especially one employee named XXXX who kept gaslighting me and trying to convince me that I'm crazy, I don't know what I'm talking about and that I should sue Chase Bank but not him. 

I want my money. I have over {$70000.00} of my own money that I worked hard for and kept with Chase Bank and they are refusing to give me access to my own money, but their own employees like XXXX think I should fly back to the states and pay for a plane ticket back to XXXX somehow when Chase Bank illegally froze my account without my permission or without notice. They refuse to transfer my money to another bank. They refuse to unrestrict it temporarily and let me transfer it out. 

I think from the way XXXX acted with me as well as the other very evasive and suspicious employees in the " Fraud Department '' at JPMorgan might have falted on other customer 's assets and are using my money to fill the empty assets of failed investments from other accounts. It's possible, especially since XXXX was incredibly abusive of me and suggested I wait 1 year ( when I graduate in XXXX ) until I can access my money. This os my only option at this time because Chase is refusing to give me access to my own money. Chase stole my money while XXXX laughs at me and tells me to buy a plane ticket back to XXXX knowing i dont have access to my bank account because they shut off access. 

I need to pay rent. I need to buy food. I might need a medical procedure soon that is partially covered by insurance. Chase Bank is stealing my money while XXXX bullies me and tells me there is no other option and that I should sue Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: EQUIFAX, INC.
State: IN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: IN

Complaint narrative:
in accordance with the fair credit reporting act. the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights : 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without written instructions 15 USC 1681 section 602 c ( a ) ( 5 ) no 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 conviction of crime which antedates the report by more than 7 years 15USC 1681s-29 ( 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 the information is incorrect or 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 2022-09-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Karma, LLC
State: WI

Complaint narrative:
Applied for a credit card through Credit karma, now I have hard inquiries, it lowered all my credit scores. Did not approve that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I sent out letters on XXXX/XXXX/22 disputing inaccurate information from my consumer credit report regarding accounts that I'm not familiar with. I still haven't gotten a response or any mail concerning my disputes which I am concerned about I read a law that stated these accounts are in violation of Section 623 ( e ) I read a book learning the FCRA prohibits information furnishers from providing information to a credit reporting agency that they know or have reasonable cause to believe is inaccurate. This is also another violation I thought the credit bureaus had 30 days to respond my consumer rights have been violated its been well over 30 days and per fcra, these accounts should be deleted immediately. These violations have caused me stress and the amount of time I can't get back trying to figure out why the bureaus violated my consumer rights I feel as tho they have played with my emotions and time. These accounts are illegally reporting and hurting my consumer report which is causing my life stress.

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 2022-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
A Capital one 260 account was opened in my name on XXXX XXXX,2022, without my permission. My credit was pulled for the account which caused my credit score to go down on XXXX/XXXX/22. The account was open fraudulently. They had mailed out a debit card to the address but Capital one wouldn't give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
I attempted to use the card on XX/XX/2022 at a gas station ( XXXX XXXX ), by paying at the pump. 
It asked for my zip code but I entered it it came back wrong zip code. So my sale was canceled. I went inside to attempt to pay for gas, but my card then read insufficient funds. 
XXXX XXXX is XXXX XXXX, 22. And now the card company is saying it could take up to 90 days to get my money back. 

Why should it take so long when I reported it immediately to the card company - Money Network- on the same day.

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 2022-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I purchased a cashiers check on XX/XX/2022 and sent it as a payoff for my vehicle. The payoff company told me that they never received the check. I went to a chase branch to put a stop loss on my cashiers check because they never received it. When I spoke to the banker he informed me that there was another check that had the same number and was altered and payable to someone else. The same check that was altered also shows as returned, which means that chase has the funds in their XXXX XXXX  if they did not pay the check. The original cashiers check that I purchase has not been paid and still shows up in their system as issued. They told me that they were going to see if they could recover the funds and that the process would take 90 days. I asked them what funds they would recover if it was not my fault and the check was returned and they told me they could not give me back my money because they had to see if XXXX XXXX deposited the check. I was told my money was secured and I would not loose my money but they can not give it back to me even though it was not I who altered the check and the altered check was already returned, so chase has the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
on XX/XX/2022 I have sent certified letters to Equifax, XXXX and XXXX regarding my bankruptcy information which was obtained from the U.S. Bankruptcy Court that has violated federal and New Jersey privacy laws. I have obtained a copy of my credit report that clearly shows that all three credit bureaus have different information and different filing dates. I have received correspondence from The U.S. Bankruptcy Court that they do not report or provide information to credit bureaus or agencies. I have sent to the 3 Credit Bureaus an Affidavit of Fact that my private court records have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX **** and XXXX XXXX XXXX have 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.

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 2022-09-22 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I have no business with professional placement service Acct # XXXX in accordance with the Fair Credit Reporting Act this account has violated my rights. 

15usc 1681 section 604A states I have a right to privacy 15usc 1681 also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation