vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: ME

Complaint narrative:
EdFinancial has been transferring loans to their new system in batches. My loans began transferring on XX/XX/XXXX, and I am still not able to log in and resume payments. I first sent an email that I did not receive a reply to. I also attempted to use the Chat system on their website, and was disconnected after 10 minutes. This occurred three times. After waiting on hold for 1 hour and 13 minutes ( when the automated message stated the wait time was 50 minutes ), I was able to speak with a customer service representative named XXXX on XX/XX/XXXX. I was advised that loan transfers take about 14-20 business days. Since my loans began transferring on XX/XX/XXXX business days would be XX/XX/XXXX. She advised they were experiencing some delays. She estimated my loans would be finished transferring " sometime soon ''. I am greatly concerned that I will not be able to make a sizable loan payment prior to interest resuming on XX/XX/XXXX, and thus have unnecessary interest payments. EdFinancial 's technical difficulties should not cost me money. After researching this issue online, it seems that many other student loan borrowers are in a similar situation. 

On XX/XX/XXXX I attempted to use the chat on EdFinancial 's website and was not connected. I called at XXXX and was told there was a wait-time of 320 minutes, so I requested a callback. A representative did attempt to call me at XXXX, but I was working and unable to answer the call. I called again at XXXX to enter their queue, and requested another call back. I even consented to being called back later than XXXX, if needed. I did not receive a call. Today ( XX/XX/XXXX ), I called when they opened at XXXX to request a call back. At XXXX I did receive a call and spoke with a customer service representative named XXXX. She was unable to provide me with an update regarding my ability to access the new system, as she stated my loans were still being transferred. She stated : " Is there some reason that you need to access your system before Friday? Interest accrues then, but payments do not resume until XXXX ''. I informed her that I was looking to pay off about two-thirds of my balance to avoid paying unnecessary interest. She did put me on hold to research the matter further. When she returned, she was unable to provide me with further information. When I requested to be connected with a supervisor, she stated that " they will just tell you the same thing '', and refused to escalated my concern. XXXX also acknowledged that she was able to see this complaint and that I would have a response by XXXX. Student loan interest resumes in 2 days, and it now is a certainty that interest will be accruing on my principal balance. I am upset that I will be charged significant interest, which accrues and compounds daily, on a balance that I was planning to pay prior to this date. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
My monthly payment increased from {$310.00} to {$320.00} ( I'm not able to pay unnecessary increases in mortgage payment ) due to my fixed income, Social Security. 
My original agreement with Wells Fargo they would refund my overpayment at the end of the year, but, XXXX XXXX XXXX XXXX keeps the overpayment. I have spoken to them by phone twice and they said they would reduce my mortgage if I pay them {$100.00} On Thursday XX/XX/2023, I spoke to XXXX and I paid {$50.00} of the {$100.00} which he said I owed {$56.00} left then my new payment would be {$310.00}. XX/XX/2023 XXXX I paid XXXX XXXX the phone {$58.00} at which time XXXX XXXX my new mortgage starting in XXXX would be XXXX confirmation # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I'm going to talk about the fraud, but what I'm really after is PayPal 's complicity in the fraud. 

I encountered a fraudulent website, " howly '' yesterday, XX/XX/2023. They claimed to offer a {$1.00} trial, with a $ 49 monthly fee after that. I looked them up on XXXX, but I misread the rating, so I thought they were ok. 

In a conversation with their Chat AI, they claimed to offer a lawyer referral service. 

The minute I was connected to a human, I discovered, no. 

So I canceled the service on their website, and immediately went to PayPal to check. What I found was that they had already made 4! transactions. {$49.00}, XXXX, XXXX, XXXX. All within a second at XXXX. 

I immediately terminated the " billing agreement '' on Paypal 's website, and started disputing the charges. I did that at XXXX XXXX I also started disputing the charges, the first one was completed by XXXX XXXX 

By XXXX XXXX  PayPal had decided the first dispute in my favor. A gap of XXXX minutes way outside of business hours implies to me that PayPal has automated the dispute resolution for this vendor, which means they know that XXXX is fraudulent. 

But they continue to take payments for this source. So even though I am out only {$1.00} at this point, I am holding PayPal responsible. They are enabling and profiting from this fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
On XX/XX/2023, I was discharged after receiving hospital care at XXXX XXXX XXXX in XXXX, XXXX XXXX. As I was checking out, I had to pay my hospital bill, as well as my hospital cafe bill. These were done in two separate transactions. When it came time to pay the food bill, the total amount was XXXX XXXX XXXX ( about XXXX USD ). The hospital instead charged me in USD, charging nearly {$5000.00} in excess of the amount that I was supposed to be charged to my debit card. 

The hospital soon realized the mistake and promised to fix it. I also submitted a claim with my bank, M & T bank, about the fraudulent charge. I submitted the receipt, as well as emails and texts with the doctor in which he acknowledged the problem, and promised to help fix it. Ultimately, M & T bank denied my claim, as they said the hospital was telling them the charge was not fraudulent. This was in direct opposition to what I was told. The food bill for a hospital stay in XXXX being XXXX USD is not a possibility. Menu is attached to show the cost of food items- over a four day hospital stay I had accrued a bill of XXXXXXXX XXXX XXXX, but doing the same in USd would've taken months, as all food options were very inexpensive. 

Despite saying they would help me, XXXX XXXX hospital has kept my nearly XXXX USD, claiming it is not a fraudulent charge. They have committed fraud against me and robbed me of a massive amount of money, and my bank is being no help in recovering the funds. 

M & T is claiming the XXXX USD charge was to pay my hospital bill. This is false, as you will see in my submitted evidence that I paid my hospital bill ( XXXX USD plus 3.5 % credit card fee ). I am also submitting credit card bill to show I paid the hospital medical bill on my credit card, and the debit charge was separate, and fraudulent. 

You will see in attached bill I paid my XXXX USD hospital bill ( XXXX + credit card processing fee ) on XX/XX/2023 via credit card at XXXX XXXX  local time. The fraudulent charge of XXXX occurred later, at XXXX ( XXXX XXXX  ). This was outside of hospital financial office operating hours, so it does not even make sense that this charge could've been for my hospital bill. 

See attached documents for these two separate charges to see why one was for the hospital bill, and the other a fraudulent charge at a not agreed upon amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them 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 non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are public records on my report that is not accurate or didnt happen. I requested them to validate the information and they responded they validated the information. I requested their method of validating the public records and they said they validated through the original provider which would be the court. I wrote the court and ask them about the bureau contacting them and they responded with letter stating they dont verify that way and if the bureaus have to verify what is put in public records through filing motions. So there is a descrepancy on my inquiry is being handled properly, clearly the court said they did not provide the information but Transunion is saying they did.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Unauthorized credit hard inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I signed up for a new XXXX business checking account in XX/XX/XXXX under a promotion they were offering for new customers to deposit {$3000.00} and receive a {$500.00} sign up bonus after holding those funds for 60 days. 

I deposited {$3000.00} on XX/XX/XXXX and still have not received the bonus. I have left the initial {$3000.00} bonus in, and the requirement was to hold it for 60 days which I have also done. 

Today I called their support line since the {$500.00} never showed, and they said they would not honor the promotion because it was not " new money '' that was added to the account. When opening the account, they give you many options to fund the account such as transfer from another bank, funding from a credit card, XXXX, etc. 

I chose the option to fund from a credit card and today the rep said that this does not count as " new money. '' This seems very disingenuous that they offer this promotion and then give you the option to fund with a credit card but then tell you that new money added to an account is not new money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX I signed an Agreement with the, Consumer Portfolio Services, in XXXX of XXXX the Balance was PAID IN FULL, I have been waiting for more than 60 Days for my Title to b sent to me. But while I am still waiting, I receive a statement informing me that Consumer Portfolio Services has purchased a FALSE ACCOUNT FROM XXXX  XXXX, this is a Account that was Paid in full and I CLOSED THIS ACCOUNT MORE THAN TWO MONTHS AGO!!! Now I have received a letter informing that Consumer Portfolio Services has purchased a ACCOUNT THAT HAS BEEN PAID FOR AND THEN CLOSED, this makes no sense to me, I AM STILL WAITING ON MY TITLE FOR THE XXXX XXXX XXXX XXXX # ( XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
I tried multiple times to end my service with XXXX beginning in XX/XX/2023 because I switched providers. I continued to receive bills and called to verify that my service had been terminated in XXXX and was told it had not been terminated and that I would still have to pay the XX/XX/2023 bill, but that my service would be terminated effective XX/XX/2023. I received another bill for XX/XX/2023 and when I called back was told that would be my last bill to pay so I paid that bill. I was given a ticket number XXXX, from the person I spoke to verifying that my account was closed and that my service was terminated. This morning I received a phone call from Sunrise Debt Collector trying to collect on a debt from Spectrum for an XX/XX/2023 bill who stated that if I did not pay that it would be on 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I reported a fraudulent purchase to Chase bank back on XX/XX/XXXX for the amount of {$1400.00}. They returned the funds to my account and told me that the money would remain in my account until the investigation was over and a determination had been made. On XX/XX/2023 I got an email saying that my claim had been overturned and that the amount of {$1400.00} would be taken out of my account because the merchant had evidence the transaction was valid. The email also went on to say to contact Chase Bank Claims Department if I would like to request the information they used for the research of my claim. I have contacted the Chase Bank claims department at least 6 times since XX/XX/2023 to request the information used to research my claim and still have not been sent the information. Every time I call the claims department they apologize and tell me that they will resend the information to my address and that it will be at least 10 business days before I get the information. I have confirmed my home address with Chase Bank at least 5 or 6 times and for some reason they can not get me the information that I am requesting. I have even spoke to a supervisor and still have not received the information I have requested several times. At this point I dont even believe that my claim was researched because I can not get the information to prove it. Im starting to believe that the Chase Claims Department just took the merchants word for it instead of researching my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX that says it's a debt collector. I received a letter from XXXX saying I need to start paying my mortgage on XXXX XXXX they put XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX on my credit report. I contacted the credit bureau and the credit bureau say it was correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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