vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 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: OH

Complaint narrative:
I submitted a refund request on XX/XX/2022 to my loan servicer, Edfinancial, for my student loan payments made during the payment pause. The refund amount I have requested is XXXX dollars. I have called Edfinancial on XX/XX/2022 to see if my request had been processed by the company and it hadn't. I then called on XX/XX/2022 ( six weeks after submitting my original refund request ) to check again if my request had been processed and sent to the department of education by Edfinancial and it has still not been processed. When I call to inquire about the status of my refund request, the representatives are very reluctant to give me any details or timelines on when I should expect to have my refund request processed and sent to the department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15USC 1681 ( a ) accuracy and fairness of credit reporting Experian is governed by 15USC 1681and they have violated my rights by furnishing unauthorized inquiries to my credit report, also pursuant to 15USC 1681 ( n ) civil liability for willful noncompliance- 15USC 1681 ( n ) ( a ) is liable to that consumer in the amount of any actual damages sustained by the consumer not less than {$100.00} dollars and not more than {$1000.00} dollars. I demand that the accounts listed below removed from my report. XXXX XXXX XXXX  - XX/XX/2022 - XXXX XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - Police & Fire XX/XX/2022 -- I demand these hard inquiries removed from my XXXX credit report/file, XXXX XXXX XXXXXXXX XX/XX/2022, - XXXX XXXX XXXX, - XXXX  XXXX XX/XX/2022, - XXXX XXXX  XX/XX/2022, - XXXX XXXX XXXX  XXXX XXXX, - XXXX XX/XX/202XXXX 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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX, I set up one ( XXXX ) $ XXXX transfer from my First Interstate savings account to my external US savings account. I received two separate emails from XXXX saying they received my request to transfer $ XXXX. I contacted XXXX saying I only authorized one transfer for $ XXXX. A few days later I got emails from XXXX  saying three ( 3 ) external transfers for $ XXXX each were completed on XX/XX/XXXX. I sent multiple secure messages to XXXX saying I did not authorize three separate transactions, only one. They responded saying my account showed three separate transactions that only I could have made. At no time have they ever answered my specific questions or believe me when I said I did not make three separate transactions on the same day for the same amount of money to and from the same accounts, they simply close out my ticket. I only authorized $ XXXX be transferred from my account not $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: GA

Complaint narrative:
I am a natural person, a living human being.

I have rights under law 15 USC 1681, And they have violated my rights several times.

I demand the accounts listed below be removed because According to 15 USC 1681. I have the right to privacy and did not give Equifax written permission to furnish these accounts. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
On XX/XX/2022 I received a voice message from Ally regarding our car loan being delinquent. I called them back later that day. I was told by the representative that the account was delinquent by {$1000.00}. I explained that I would make payment by Monday XX/XX/2022. I was asked if I would make a payment of {$1000.00} by XX/XX/2022 THREE times. I affirmed my answer all three times. 

On XX/XX/2022 I created an online user name and accessed my account. The account showed over {$1700.00} delinquent. I made my payment of {$1100.00} on XX/XX/2022. I noticed a remaining delinquent amount of {$190.00} and {$530.00} in late fees. I made the payment for the {$190.00} on XX/XX/2022. I called Ally on XX/XX/2022 and asked for an explanation of the difference between the delinquent amount from {$1000.00} on XX/XX/2022 to over {$1200.00} on XX/XX/2022. I received no response. I also requested a waiver of the late fees since my account was now current. The representative indicated that he would submit that request but a maximum of {$37.00} could be waived if that. I find the late fees to be draconian since the account is now current and the interest being charged is nearly 11 %. The ever-changing balance seems to be suspicious as well. They indicate that they record phone conversations. I'd like to review the conversations I had with them and know why the amount due changed over only 3 days.

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 2022-10-25 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. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and 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 2022-10-25 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. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: NC

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15 USC 1681 section 602, States I have a right to privaticy.15 USC 1681 section 604a Section 2. Also, states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b. A creditor may not treat a payment on a credit card account under an opened and 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 2022-10-25 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score oveXXXX XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-25 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I XXXX XXXX, entered into a consumer credit transaction with Capital One Auto Finance on XXXX XXXX. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as a sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Capital One Auto Finance took cash. The Finance charge is suppose to include insurance, but Capital One Auto Finance made me purchase insurance separately. Capital One Auto also did not inform me of my right of rescission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
On XX/XX/22, I mailed a letter drafted from my Financial Advisor to CCS Collections. I did not hear back from them. Over a month later, XX/XX/22, I called them back. They stated that they have not received my letter and that they are " behind. '' After explaining the contents of the letter and my intentions to resolve the debt in full, they stated that they would not be able to help me resolve the debt showing on my account under the conditions the letter articulates. I asked them to put their refusal to accept the conditions in writing. They stated that they will not put anything in writing. I re-submitted the letter to their website correspondence. While on the phone with CCS Collections, I asked them to make note that a call back will not work for me, I will need their response in writing. They stated that they " will make note but will not be writing back, [ they ] prefer to call. '' I asked what happens if I can not answer the phone when they do call. They gave me an unclear answer which deduced to them just not making any further attempts to communicate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: MD

Complaint narrative:
I closed the account because the credit card company can not validate the debt. I am the original creditor as a result, I have been contacting the merchant to provide the following documentation. certificate accounting statement they have so far went delinquent In this matter. I have sent past due invoices for them to pay my company for the following charges U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT, A PROPER BILL. {$1500.00} per page. It is my understanding that if no dispute, rebuttal or contest of this NOTICE OF UNDERSTANDING AND CONDITIONAL ACCEPTANCE AND REQUEST FOR A PROPER BILL AND LAWFUL CONTRACT AND FULL RECORD OF ACCOUNTING AND FEE SCHEDULE, Notice of Lien Notice Of Lien, Truth and lending violation, Mail Fraud and Racketeer, falsifying records, deceptive and misleading representation, violation of Fair Debt Collection Practices Act. 
Title 15 USC .1601 ; Title 15 USC 1692 15 USC 1692 ( g ) ( 8 ) ; USC Title 18 2071 and 2073 ; USC Title 18 471, 472, 473, and/or 513 ; Title 18 USC 1341- 1842 XXXX XXXX XXXX 249 P. 2d 257 and 260 Title 28 USC 1746 ( 1 ) I am asking for the CFPB to contact them to have my account settled, discharged and close with a XXXX balance and my invoice paid. Thank you any question call me XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
On XX/XX/2022, I transferred my Citi XXXX XXXX Account in the amount of {$21000.00} into my XXXX XXXX Citi Bank Credit/Debit card to purchase a new car. I later was told that the car dealership would not accept payment by debit card, so I transferred the balance to my local checking account. I was told it would take 3-5 days.Five days later, I called to see why my money had not been transferred to my checking account ; I was told the refund hadn't been approved. On XX/XX/XXXX, a letter was drafted by Citi Bank saying it would be 10-14 days for my refund. I have called innumerable times, I have been hung up on, stonewalled ; I asked to speak with a supervisor twice and finally a supervisor on XX/XX/XXXX that he would move my request to the front of the queue and I should receive my refund by the end of XXXX. This experience has been frustrating, embarrassing, and an emotional drain on my old body. It should NEVER take this long to get my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: IL

Complaint narrative:
Rocket Mortgage is forcing me to pay over {$17000.00} in 12 monthly installments due to a shortage in the escrow account brought about by the XXXX XXXX tax bill that amounted to {$5000.00} and was paid in this summer. In the next 12 months I will only owe {$7000.00} for Principal & Interest, escrow payment, PMI and home insurance. Although I disagree with the {$5000.00} tax bill that Rocket paid, I can submit to repaying this over the next 12 months. My disagreement with the taxes is based on the fact that I am XXXX XXXX XXXX and I have sent Rocket proof that I have XXXX XXXX and Senior CItizen 's Tax Exemptions. My issue primarily is with Rocket 's projected taxes in XX/XX/2023 and XX/XX/2023 totaling {$5000.00}. They are ignoring my exemptions. Last week, Rocket called and informed me that if I can get them the exact amount of my next tax bills that they would again review the escrow account statement. This would lower the {$1400.00} a month that they are requiring me to pay them to settle the escrow shortage. It is not possible to get the exact tax bill amount until the tax bills come out in the spring. My tax bills were estimated by Rocket to be less than XXXX XXXX XXXX and that is within reason for a senior citizen in XXXX XXXX. Waiting for an adjustment is causing a severe hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
Spoken with Chase representatives the night of XXXX, They asked me if I would like a new card I declined stating that the issue has been handled and that they should not make any actions on my account. On the morning of XXXX I was informed that Chase has went against my request and deleted my accounts and card information in the process of doing so they are currently garnishing funds from the state and my job and isn't allowing me to have access to my fund or distributing these fund to me at all. I am currently going through financial hardship and have made they knowledgable about this months prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
When looking at my credit report I noticed a collections account that needed to be resolved. There was no name to the company on either 3 of the credit bureaus websites. Just a phone number and a balanced that was owed. I had to look up the company 's information by phone number. I have reached out on XX/XX/2022, at XXXX and spoke with XXXX XXXX requesting more information on this charge off account. Nothing was provided. I also Spoke with a representative named XXXX on XX/XX/2022, at XXXX XXXX and requested more information, at that point nothing was still provided to me regarding the account. This would be the second time I have requested information and have yet to receive any documentation. I also have sent in a Verification Letter on XX/XX/XXXX at XXXX XXXX Tracking number ( XXXX ) The company received the letter XX/XX/2022 at XXXX XXXX On this day XX/XX/2022, I have yet to receive any validation and proof of this debt this company has stated that is owed.

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