vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I had my loans consolidated in XX/XX/XXXX by XXXX and The Department of Education. This loan was not done correctly. the company charged me a " Write Up '' of {$30000.00}, and also a " Write Up '' of {$6200.00} '' on top of my other current loans. This makes my total loan amounts look like {$91000.00}. However, I did not take out that much in loans. When I graduated in XXXX my loan debt was {$39000.00}. I have tried calling XXXX who told me that my loan was sold to XXXX and they couldn't help me. I called XXXX and she told me that she does see the discrepancies but now that my loan has been sold from XXXX to Mohela she could no longer help me. I also have had {$25000.00} XXXX on my loans because of my attendence with XXXX. However, since the government charged me {$91000.00} that I did not take out in loans, minus the {$25000.00} dismissed amount the government is still saying I owe {$54000.00} which is INCORRECT. I have been over charged {$30000.00} and also {$6200.00} in fees that have no explanation to them and no one can tell me where these fees came from and what they are for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: CA

Complaint narrative:
Re. Edfinancial I have tried to contact them to access my account as all other attempts ( reset password etc ) have failed. The hold time is 50 minutes, and there is no live agent chat available ( I '' m currently at XXXX XXXX ). 

On the XXXX website, there are many many complaints similar to mine about the company. 
( see examples below from today 's post ) : " Edfinancial has to have the worst call center ever. The ivr talks to you for over 2 minutes before you can enter anything. Most of the time inputs don't even work. 
XXXX @ XXXX XXXX @ usedgov @ edfinancial Please reply to my message. Still no help in over a month. Whats going on? 
XXXX @ XXXX XX/XX/XXXX @ edfinancial Fix your hours. You cant service your customers. I am still waiting nearly XXXX weeks for assistance! # studentloans XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ XXXX Should look into Edfinancial. They keep reversing my student loan payments! Its happening to a lot of people. Screwing with peoples credit scores! 
XXXX XXXX @ XXXX XX/XX/XXXX Replying to @ edfinancial and @ XXXX I did the same thing. Nothing from edfinancial, but conflicting statements, hours on hold, weeks IF I get a call back. Messages to Dept of Ed. Hope you had better luck. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please hold this company accountable to their customers. This is not acceptable. Thank you for helping

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account has caused me significant distress, to the point where it's affecting my sleep. I've provided all the necessary documents for its removal. I earnestly request that you please take it off 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 2023-10-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Chime Financial Inc
State: NY

Complaint narrative:
Had my Social Security benefit 's transferred to Chime card, For Sept. I noticed my XXXX wasn't correct so I called Chime support XXXX XXXX was changed during this my money was taken XXXX on XX/XX/XXXX. I contacted chime very next day, There team member told me a dispute has been filed.dispute number XXXX XXXX there team member hung up on me.Chimes after investigation said I otherized payment to a XXXX. I told them this wasn't true, my money went to a women named XXXX XXXX I know no one such as her nor would I otherize that kind of money I live on XXXX per month. I can Gmail documents if have email. 
I contacted the XXXX XXXX XXXX and they did there best to resolve the matter. But Chime stands by there decision. 
I've contacted the Attorney General .I took screen shots of everything and forwarded it to them. Chime after all this I looked there busyness up have a history of this type.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I got a letter from capital one stating they were sending my account to collections. With this particular card Ive never received statements of any kind from capital one and I checked my credit report and seen someone opened it without my consent or knowledge. Contacted capital one and they are doing an investigation and I filed a police report as well. I disputed this also on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have an account with Amazon and using it sometimes when I buy something. 

Prime Store Card Account ending in XXXX {$320.00} Current Balance But someone opened an additional credit account and bought something CARECREDIT / SYNCHRONY BANK Account ending in XXXX {$1600.00} Current Balance And the company ask for Register this account but I didn't do it and for it.

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 2023-10-20 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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it 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 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I am filing this complaint to BARCLAYS BANK DELAWARE for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.

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 2023-10-20 00:00:00
Product: Credit reporting 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:
They reported late payment in a fully paid account and that a violation, the account is XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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:
They reported late payment in a fully paid account and that a violation, the account is XXXX XXXX XXXXXXXX # 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 2023-10-20 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: MS

Complaint narrative:
Please see attached file

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 2023-10-20 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: Block, Inc.
State: NY

Complaint narrative:
I had a company by the name of pulze charge my card like 8 times in same day and I did not authorize these charges. I have disputed charges with square/cash app and all they denied chargeback and then closed my account which is bad business as I did nothing wrong. I want to be refunded for the unauthorized charges

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 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'm not associated with these creditors and I never initiated this inquiry. I urge you to promptly delete it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting 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: TX

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

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX Wrong Name And Adresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXXt # : XXXX has violated my rights. 

XXXX. XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor : XXXX XXXX CREDIT CARD/ Account # : XXXX Wrong Name And Adresses. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX. XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: SC

Complaint narrative:
Fair Collections & Outsourcing XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2023 To whom it may concern Pursuant to your reference # XXXX and # XXXX the Fair Debit Collection Practices Act FDCPA youre required to provide a verification of debt including the amount owed within 30 days. 

My reason to challenge : 1 ) Carpet was cleaned prior to moving in padding could have been damaged then. 
2 ) I had no warning of damage or chance to witness it before getting the closing bill 3 ) I was not warned of a potential problem since there was a of inspection I week prior to moving out!

4 ) I was not provided pictures of the damage until carpet was replaced. I called and questioned XXXX XXXX XXXX XXXX about why we were not given an opportunity to witness a first-hand account of the damage, then and only then pictures were emailed. Pictures do not identify a particular apartment could be of any apartment the layout of every apartment is the same. 
XXXX ) Our dog is XXXX lbs and was walked religiously. The pictures show damage of a much larger species 6 ) I paid monthly Pet fees that were to cover any damages 7 ) Upon notice of moving out I was given an option of cleaning the carpet myself or pay {$250.00} for XXXX XXXX to do it. If the damage was that great why was I given the choice? You do not get 2 bits at the same apple! 

I will be filing a complaint with the CFPB Consumer Financial Protection Bureau and the Federal Trade Commission Pursuant to FDCPA Fair Debt Collections Practices Act, I am requesting you stop contacting me immediately!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
XX/XX/XXXX I went to pay my mortgage and they sent the charge back stating I did not have enuff. XX/XX/XXXX. The money was back in my account and I went to repay the mortgage. XX/XX/XXXX the mortgage payment was processed. XX/XX/XXXX the mortgage payment was then processed again. I called to have this issue resolved and they said I have to provide proof and wait weeks for my refund. XXXX in 3 days and I have to wait weeks to get half 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 explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I went into the XXXX MN Wells Fargo branch. I spoke with XXXX XXXX about a garnishment that was taken from my account on XX/XX/2023 for {$61.00}. I provided him with an exemption form that was filled out proving my exemption from garnishment. He said not only did he not want to take any forms from me but I'm not allowed to speak with the legal department. He asked me to wait in their waiting area and said he would contact the legal department. He then came back and said if I wanted to give him any forms to submit to the legal department he would do his best to TRY to get it to them but could not guarantee me that he would. I also said I do not want to see any NSF fees applied to my account because of this unlawful garnishment. He told me he could do nothing about that. I have now figured out how to contact the legal department at Wells Fargo. I submitted a complaint with them that they never served me with documents to prove my exemption and that they unlawfully allowed an exemption to be taken. The legal department at Wells Fargo said based on my exemption they received on XX/XX/2023 it should have been reviewed immediately and my account should have been refunded the garnished amount. If that were to have happened I would not have XXXX NSF fees applied to my account for other transactions processed through my account. So now I have XXXX {$35.00} NSF fees applied as of XX/XX/2023 because this garnishment made my account negative so that the other transactions were not covered. The legal department told me I'd be on my own to dispute that with customer service. My account is currently at - {$130.00} and I can not get anyone to help me. Not the bank or the law firm who served the garnishment request on the bank.

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 2023-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: OR

Complaint narrative:
I've received calls from a number that shows as XXXX XXXX on the caller ID on XXXX, XXXX, XXXX, and XXXX. I assumed it was a spam call but looked up and saw that XXXX was the name of a debt collector in Oregon where I am located. On XXXX I answered that call at XXXX XXXX I was told I was in collections from an old US Bank debt and that I should call XXXX Legal located in California, at ( XXXX ) XXXX and that my case number was XXXX. I called the number and talked to a man named XXXX who told me about my debt which he said was roughly XXXX dollars. I told him that even if I thought this was correct there was no way I could pay that off in full today. He asked how much I could pay off and I just said {$500.00}. He told me he'd go talk to his XXXX to approve and not even XXXX seconds later he was back to say I could pay it all for {$670.00}. I played along and told him I would have to wait XXXX hours until I was off work. He said he would start a " two-hour timer ''. 

I did some research and XXXX XXXX was a group based in XXXX. The numbers they called me from were not showing up on XXXX. When I called the actual XXXX XXXX they didn't answer. When I called the public-facing number for XXXX, XXXX was disconnected. I then checked my credit scores for any collections and there were none. I then called US Bank and talked to their credit department where they confirmed that I was not in their system as being sent to collections. 

I called XXXX back and asked first for the company 's website and public-facing number so that I could confirm they were legitimate. XXXX refused to give me this information saying that " they could help me if I wanted '' and that " they're not in the business of giving out information about the company... that's another department. '' I started explaining why this is important and was put on unannounced hold several times mid-sentence. I hung up fairly sure I was being scammed. 

XXXX called me again today at XXXXXXXX XXXX. I called them back and told them I had received a call earlier and was calling back. XXXX knew my name and said she was transferring me. I then heard the same holding music that played when I called the RSG Legal group. I then heard the voice of XXXX with " legal department ''. I hung up even more sure that this was fishy if nothing else.

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 2023-10-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent my award letter from SSI to the 3 party debt collector stating Im endigent cant pay because of my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: SERVICEMAC, LLC
State: GA

Complaint narrative:
I requested the information from the company because full discloser was never given and I have requested the documentations and was told I would be foreclosed on because I was asking questions

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