vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 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: MN

Complaint narrative:
On Friday, XX/XX/2022, I contacted Edfinancial on the news of President Biden 's student loan forgiveness plan. Per the Federal Student Aid website, borrowers are able to request refunds on loan payments that were made during the CARES forbearance period. I requested a refund of my payments made during this time, which amount to approximately {$6600.00}. As a borrower with an income beneath the {$120000.00} threshold outlined in the White House 's initial relief plan, I am eligible to have this entire balance forgiven. I was repeatedly told that the processing time for this refund was upwards of 150 days, which I initially ascribed to the heavy volume of similar requests from borrowers. 

However, it seems as though Edfinancial is the sole servicer quoting these ridiculous processing times. In contrast, other servicers in the student loan space like XXXX, XXXX XXXX, and XXXX are only quoting 3-8 week turnaround times, and many of their borrowers have already seen refunds reflected in their accounts. Edfinancial 's extraordinary processing times not only put my eligibility for forgiveness in jeopardy, but they directly limit the effectiveness of the CARES act for those needing timely refunds due to financial hardships. 

Further, I was unable to request an electronic or paper confirmation of the refund request. Without a confirmation from Edfinancial and a quoted processing time of five months, there is no transparency to this process and I will have no recourse in the event there is an error in processing. 

I certainly remember my payments being taken out of my checking account within a few days -- why can't Edfinancial be held to the same standard?

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Credit Control, LLC
State: NY

Complaint narrative:
That is not my address and I want it to remove from my credit report

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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
I was contacted by a person stating he was from " XXXXXXXX XXXX '' a group I belong to and is very reputable. He said he had an opportunity to show me how to invest in XXXX and make quite a bit of money. This was in XXXX of XXXX. After learning what he was going to do I reluctantly invested {$1000.00} from my Golden1 account. I watched it grow in the trading platform called XXXX. I then deposited another {$1200.00} from my XXXX XXXX business account on XX/XX/XXXX. Then another {$1000.00} on XX/XX/XXXX for a total of {$3200.00}. I was then told I c Ould join their {$10000.00} club and make {$60000.00} in three weeks. I was excited because I saw how much my money was growing. So, I deposited another {$7000.00} on XX/XX/XXXX to join the club. I was told at this time that it had to be all in one deposit in order to join. I told them to for get it I will take my money back. He called a little while later and said he worked it out with the company and if I just deposit {$5000.00} more, they would let me in. I told him I only had {$4000.00}. A bit later he called and said that would do and he was doing me a huge favor. He said I could make {$75000.00} in three weeks. I deposited it on XXXX. I watched it grow and grow. Finally it was time to withdraw my funds and I could invest again. I was told to look for an email with instructions. The email said I had to pay their fee upfront to be able to retrieve my funds. {$24000.00}!!!!! This is why I knew I got scammed. He disappeared and so did my money.

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 2022-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I came across one account two inquiries and two addresses that i do not recognize and was use without my knowledge Account : XXXX XXXX XXXX XXXX XXXX Inquiries XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX 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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
I am currently in an agreement with a past employer to pay back a sign-on bonus that I received. The payments were to be made by check, until XX/XX/2022 when electronic payments became available. I received and email stating where and how to make a payment, and that if I wanted recurring payments could be set up. After making the first payment electronically in XX/XX/2022, the email confirmation stated I would be set up for an auto draft. The payment portal never had any reference to auto payments or an area for me to electronically sign to agree to an auto draft. XX/XX/2022 when the payment was due they drafted a payment from my account without my consent. I notified them immediately, and requested to have it removed, which they agreed to. My concern is that they couldnt provide me any documentation when requested where I authorized them to draft my account, as well as they do not understand the requirements under the EFTA to draft a consumers account. They were relying heavily on the fact that they were ok to do so because the email stated such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 XXXX account XXXXhas 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 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account XXXXhas 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 2022-09-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been attempting to get my file clear of this fraud that has been lingering for too long. 
Recently : There has been someone who use my identity to fraudulently apply for apartments ive noticed and the three credit bureaus should have seen that i live in an entirely different state. 

The followng accounts are all fraud and need to be investigated and removed. 

XXXX : XX/XX/XXXX XXXXXXXX : XX/XX/XXXX XXXX ; XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  : : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
Over the past 2 years I have experienced multiple instances of fraud on my account and consistently receive differing stories on how to resolve the issues. 

XXXX I received a text message and call from Ally Bank 's phone number ( the number that matches the back of my card ) to confirm if I had authorized a set of recent transactions, I had not so I followed the automated system to press 1 to speak to a representative. At one point the call is disconnected. I call Ally Bank back, they have no record of the transaction and indicate it was a fraudster calling. They then get me over to the fraud group and we put my XXXX payments on hold as someone was trying to send money to themselves. They then get me setup on a new card, cancelled my old one, and advise I should call Ally Bank directly next time I have any issues. They assume me that no valid XXXX transactions will be impacted by this. 

XXXX I was sent an incoming XXXX transaction that was declined with no notification to me or the sender. 

XXXX called Ally and they not only told me there was no issue, but then discovered there was a hold which they refused to remove and wouldn't give me a timeframe. 

XXXX The hold was successfully removed. Now, during this process outside of calling no actions were required on my end. 

XXXX More fraud on my accounts, my debit card is closed and they are resending me another card. Never had to do anything but speak with Ally over the phone. 

XXXX I get a text asking if I authorized a transaction, to which I reply " No. '' This prompted a call from Ally bank which I disconnected given my previous encounter. I then called the bank back and they said " The fastest way to resolve would have been to accept the incoming call. '' Then proceed to tell me that they will send me a new card but I have to wait until the fraudulent transactions post then dispute them myself. I have NEVER had to do that, not ever. Then I asked to speak with a supervisor who said she has been with the company 10 years and it's always been in the deposit agreement, yet again earlier this year when I had this happen I didn't have to file any disputes. 

I do not feel Ally is doing what they can to protect or educate customers, this is the 3rd time in a year that my card has had fraud, I've never had this many issues with a bank before and it has only began being an issue in the past 2 years or so. Their customer service isn't educated on what actually will happen or the processes, they don't provide accurate information, and I am entirely dissatisfied with their approach to protecting customers.

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Attempted to access my Equifax consumer FILE via annualcreditreport.com but encountered some issues. Please view error message via screenshot attachment. I have rights to the disclosure to me my consumer FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my consumer FILE from Equifax. Attached is my proper identification and error message. I demand a response from you within 15 days upon receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-01 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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-09-01 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I am aware that consumer reporting agencies have received my nonpublic personal information from NFCU fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom NFCU has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies NFCU have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. NFCU furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe NFCU is criminal enterprise involved in conspiracies to cause restraint of commerce.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: FL

Complaint narrative:
I am aware that consumer reporting agencies have received my nonpublic personal information from XXXX fraudulently and do not have lawful authority to furnish this information for any non-affiliated third parties to see. The consumer reporting agencies to whom XXXX has provided my non public personal information are not required by law to furnish my non public personal information ; however they are doing so and receiving unjust enrichment. I have reason to believe the consumer reporting agencies XXXX have disclosed my non public personal information to are aiding and abetting criminal enterprises in the collection of extensions of credit through extortionate means and coercion. I am aware that receiving proceeds of extortion is illegal. 

As a consumer I have a right to privacy. Punishing me for the nonrepayment of an extension of credit by disclosing negative information, not required by law, to a nonaffiliated third party without my lawful authority gives me reason to believe that this is a pattern of racketeering activity. XXXX furnished my nonpublic personal information to Consumer reporting agencies through aggravated identity theft, pursuant 18 USC 1028a ; due to the fact I never gave lawful authority or consent for them to be in possession of my nonpublic personal information. I have reason to believe XXXX is criminal enterprise involved in conspiracies to cause restraint of commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Ingo Money, Inc.
State: FL

Complaint narrative:
On XX/XX/31 I tried to deposit a {$250.00} check through XXXX which apparently uses the service Ingo Money to deposit their checks. After being told the check is accepted and all I have to do is void the check and take a picture, Ingo declined to deposit the check calling it a failure. Now I have a void check and no money. XXXX blamed Ingo. Ingo acts like they did nothing wrong just some checks they can't accept. That's fine in general but not once they tell a person to void a check. I needed this money yesterday. Now I have a void check and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
I write experience and XXXX  and asked for any closed accounts to be removed from my account and they still appear. I want any closed accounts removed from my account for employment purposes

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: CO

Complaint narrative:
Attached is a copy of a complaint sent to Dovenmuehle Mortgage Inc. At the time of this writing I have yet to receive any information/contact from the company in regards to this issue. The letter uploaded details my entire situation with relevant dates and time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank held an settlement check of mine totaling to {$5200.00} and now has closed my account. Holding the funds for up to two years because they don't plan on returning the check to me nor the issuer, then releasing it to the state. At which point I'd have to file an unclaimed funds case! This should be illegal and stopped. Why can't they from the jump flag the check and not process it? They continued to process the check even though they flagged it and place a hold on the check the same day it was deposited. It cleared the next day but because they can't call the number of the business/the issuer because of some third-party verification system they have can't verify the issuer phone number as being a legal business, they put a restriction on my account. Now XXXX is just sitting there. They had me forward them my documents of me signing my settlement, email and going to the branch for 4 hours to show them paper work ( that they asked me to bring in ) to say its still not enough. Ive spoken with 24 different reps and they all say different things, one says XXXX ( the creator of the check ) can goto the chase branch and show two forms of id and a form showing he owns the business, that was a lie. I thought that Chase Bank was a Financial Institution with Integrity and Moral values but I find out very painfully that they Scamtheir customers.

Company response to consumer: Closed with explanation