vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-04 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: PA

Complaint narrative:
My loan should not be with EdFinancial. After consolidation, I was placed with Edfinacial in error. I am on track to XXXX. I have been with XXXX. XXXX administers the student loans for the Federal government. I have been paying my loan through XXXX. My XXXX  counts are online with XXXX. I spoke with AIdvantage on XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX. XXXX told me my loans would be pulled back from Edfinacial to XXXX. 
I contacted Edfinacial on XX/XX/XXXXXXXX  and spoke with a customer representative XXXX. I provided XXXX with my case # XXXX from the Department of Education. XXXX had me on hold several times and explained my loan would move to XXXX and be placed on forbearance. I logged on to Edfinacial this morning to see payments due XX/XX/XXXX of XXXX dollars. I called Edfinacial and spoke with XXXX. XXXX explained they placed me on a Level plan. I am a social worker. I made {$78000.00} this year XXXX. I explained I qualify for the XXXX plan. My payment with XXXX was a little over {$600.00}. I requested a supervisor as to what XXXX had explained to me. XXXX spoke with supervisor XXXX XXXX. I did not get to speak with her. XXXX told me not to worry about my payments as they do not report to the credit bureau. I explained I am not comfortable with this scenario. I requested something in writing. XXXX indicated they do not provide anything even via my email portal. I uploaded proof to edfinacial via the Inbox I am on track for XXXX forgiveness, and XXXX said it goes to compliance that she does not see anything. We ended the call. They have notes about my call with XXXX. This is extremely upsetting as I work. I have paid XXXX. My mother is in palliative care hospice and I have done nothing but make calls and request forbearance until this is corrected and request in writing what Edfinacial has told me. It is very concerning when the information is inconsistent The payments are wrong. I am with the wrong lender and I am unable to speak to a supervisor and told not to worry about it as it is not reported to a credit agency. I do not get the impression Edfinacial is consistent with its wording or has consistent policies. I also felt XXXX was not very knowledgeable although pleasant. In my experience, things are just said without any protocol or correspondence nothing... leaving the consumer with no help other than " don't worry about it '.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

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 2024-01-04 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: NJ

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was refunded a charge on my Chase credit card from a lawyer in the amount of {$4400.00} on XX/XX/XXXX so I called Chase to make sure it was put back into my account I didnt make dispute complaint in the meantime I paid off previous balance of {$3000.00} plus on Chase account so when my new statement came out on XX/XX/XXXX it I had a {$4300.00} on my account. I called Chase about the money on my account and they told me it was an overpayment on my account and balance was XXXX so I had the {$4300.00} put into my checking account also I spent half the money. On XXXX/XXXX/XXXX I looked at my Chase credit card account and it had a balance of {$4400.00} the amount the lawyer refunded Chase made the mistake and duped me into taking the money and putting in my checking account. I called Chase several times on XX/XX/XXXX to avail I canceled my card and still owe them XXXX I believe I should not have to pay the money because Chase committed XXXX against me I am XXXX years old on XXXX  and XXXX  XXXX anything you could do to help me in this matter would be greatly appreciated! 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, airbnb issued a refund of {$610.00} to my purged Chase sapphire card ending in XXXX. I have spoken to XXXX representatives at Chase, and no one can tell me how to obtain the refund. I have been referred to the escalation dept XXXX  times, the dispute dept, and the purged credit card dept. I can not get anyone to help/understand, despite my having the complete credit card number, and the XXXX number ( XXXX  # XXXX ) from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
This Ally Account on my credit report is incorrect and I did NOT have any late payments and this is falsified information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MoneyLion Inc.
State: IL

Complaint narrative:
I paid the loan in full. Theres a glitch in their system that shows I have a pending payment from XX/XX/2023. That pending payment is preventing the loan account from closing. The loan was paid off on XXXX XXXX and Ive contacted them several times. They claim theres a ticket open with their dedicated team and quoted me 3-5 days for a resolution. Then another 3-5 days, and yet another 3-5 days. A supervisor told me they were going to personally work on this to get the resolution taken care of but thats been three days now. Until I close out that loan, I can not open another one with them and that is my ultimate goal and theyre preventing me from doing that

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NY

Complaint narrative:
It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts 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 2024-01-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: FL

Complaint narrative:
Company has yet to send me the correct information so I can validate the debt. The information they mailed to me was someone else drivers license and information. They will not respond to me via mail or complaints, and now have tried to hit my credit for a debt I can not even validate.

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 2024-01-04 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I am writing to request the immediate removal of the late payment entry from my credit report as the above company violates the Fair Credit Reporting Act ( FCRA ) specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( 1 ) states the consumer report does not include the report containing information solely as to transactions or experiences between the consumer and the person making the report, U.S.C 1666 ( B ) If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. states a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason and U.S.C 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Hello, this happened on XX/XX/2023, I went to a car dealership to buy, I shared my personal information so that an inquiry could be made with my bank, but apparently they shared this information with many other lenders without my authorization, so I am disputing these inquiries, which I do not know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This organization is in violation of 15 USC 1692 XXXX XXXX XXXX request that organization to remove this alleged debt from my credit report. I the consumer can not be denied an extension of my own credit. This organization is in violation of Furnishing certain deceptive forms. 15 USC 1692 ( j ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The false representation or implication that documents are legal process. I also requested that all non-mailable addresses be removed due to the fact that I'm unable to receive mail there. 

XXXX is in violation of Privacy Act of XX/XX/1974. Requested to have all charge-offs removed from account. A charge off is considered a certificate of indebtness which is factored to be considered income and must be removed. Law states it is illegal to report transaction history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04 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: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

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 2024-01-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MoneyLion Inc.
State: KY

Complaint narrative:
I requested Money lion 's {$500.00} credit builder loan in XXXX. I never received the funds. They were suppose to be in my bank by XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the money and I am paying on the loan. I have created a ticket with their dedicated team to fix this. I was told to allow 3-5 business days. I allowed XXXX weeks, called and every time its another 3-5 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04 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: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Barcalys Bank Delaware, submitted hard inquires on my credit report. I have never done business with them. I have not applied for credit in at least a year. I also have an active fraud alert on my credit report. I spoke with them in XXXX regarding that incident and was advised that this inquiry would be removed within 30 days. Yet is was never removed. 

Further, when attempting to make contact with them regarding the XX/XX/XXXX inquiry, I am stuck in a phone tree and the system hangs up on me. 

I contacted XXXX and they advised that in order to have this inquiry removed, I need a letter from Barclays. Because I am unable to contact them, I am unable to get a letter to have these inquiries removed. 

Please help me get them engaged so these inquiries are removed from my credit report. Also, please notify them that I NEVER want to do business with them so they do not have my permission to EVER run my credit. 

Thank you, 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 2024-01-04 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: TX

Complaint narrative:
My name and addresses are in correct on all three larger Credit bureaus XXXX Transunion and XXXX My name is : XXXX XXXX address is : XXXX XXXX XXXX XXXX, Texas XXXX last XXXX social : 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 2024-01-04 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I successfully changed my legal name from XXXX to XXXX  in Experian about a year ago. For personal reasons, I decided to revert my name back from XXXX  to XXXX. I made numerous reports about the name change to XXXX through online requests and sent several letters along with my updated driver 's license, social security card, and name change court decree reflecting the new name XXXX. However, for many months, I have had no credit scores and no credit accounts under the new name XXXX, as Experian did not transfer accounts from the XXXX  name to the current name XXXX 

Despite multiple calls, requests, and their own investigations, Experian assisted in moving over my three active credit cards and one closed credit card from XXXX to XXXX. Unfortunately, they overlooked my auto loan and mortgage, which have yet to be reflected in my credit report. Moreover, in my credit report within my online account ( which has been corrected with the new name XXXX ), it still displays my old name XXXX. 

In summary, while the online account now reflects the correct name XXXX, the credit report still shows the name XXXX and is missing information regarding my auto loan and mortgage account. Please see the details in three attachments.

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 2024-01-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04 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: NJ

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-04 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: NJ

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I reported fraud on my account from online charges. I noticed it XX/XX/XXXX but when I searched my transactions, I found this company had charged my card several times in the past month. XX/XX/23 {$22.00}, XX/XX/23 {$37.00}, XX/XX/23 {$34.00}, XX/XX/23 {$36.00}, XX/XX/23 {$37.00}, XX/XX/23 {$68.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$93.00}, XX/XX/23 {$69.00}, and XX/XX/23 {$95.00}. Wells Fargo is saying my claim was denied and it wasnt fraud because I should have noticed it sooner. I was never alerted of fraud and they were small amounts each time so I didnt notice them. If all {$680.00} would have come out in a single day/ transaction, I likely would have noticed. But I find it hard to believe they are claiming its not fraud because I didnt notice it quickly enough. Is there a policy stating how long you have to notice/ report for it to be classified as fraud? As a 20 year customer with Wells Fargo, Ive never reported fraud and would never imagine they would deny a fraud claim.

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 2024-01-04 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed this complaint with the longest response yet that is completel nonsense and explained nothing

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