vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CA

Complaint narrative:
I received a bill in the mail XXXX XXXX weekend saying that I had a payment due on XX/XX/XXXX. I withdrew from school on XX/XX/XXXX. I tried calling them for days and was not able to get through to anyone. I requested a call back and each time they called, they immediately hung up on me. I also sent multiple emails that supposedly would be responded to in 4-5 business days. My very first email to EdFinancial on XXXX received a response on XX/XX/XXXX and told me to get the forms from their website and submit them. I am also enrolled at another school. On XX/XX/XXXX, I asked my school to fill out the in school deferment forms. I received those back from the school on XX/XX/XXXX and uploaded them to my account profile the same day. I contacted my school on XX/XX/XXXX and asked if they could send them to EdFinancial also and they faxed the forms. I kept calling EdFinancial and received a call back on XX/XX/XXXX. The person was able to find my forms and said that it was take 10 days to process the paperwork through the system and that it should be done before the first payment was due. I asked to have an email sent to me confirming that we spoke and that they had the paperwork. She said she couldn't do that but that I would receive an email once the paperwork was processed. I logged in today, XX/XX/XXXX, and my account is showing past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
I called Discover Card customer service today ( XX/XX/2023 ) and was advised I could not re-allocate my excess over the minimum payment to the Balance Transfer that is expiring on XX/XX/2023. The regular purchase balance at APR 28.24 % would have to be paid in full before I could pay the Balance Transfer at APR 4.99 % that is expiring on XX/XX/2023 The effect is that customers who fail to pay off regular purchases will have zero APR or low APR balances convert to regular purchases at a higher APR ( example, 28.24 % ). Discover Card 's policy to not allow cardmembers to reallocate excess payments is doing more harm by causing some cardmembers to not pay off balance transfers before the expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: OK

Complaint narrative:
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 These were not authorized

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
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 These were not authorized

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Every time I try an get anything that has to done I tht credit it comes back denied it says Im XXXX in fraud debt I cant log into my Experian account I didnt make the email nor did i make the security questions so every time I try an report the problem or Anything I cant because they need the questions that someone else made who is not me an without those answers I cant see whats been used or whats been applied for under my name that I didnt do its set me back from really doing anything or quilfying if you dont know how Frustrating that is then i envy you I just want this resolved an answers recipts of whats been purchased or any loans that have been applied for pls

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
on XX/XX/ I bring myself to Bank of. America on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX that is the Branch Where I opened mi account but is not the first time I go to this bank and the same person is Treat me bad I feel he discriminate me for some reason or maybe is like most of the Business that. People get ln the pl. Places to ask the employees to denied the Services to myself.or maybe they want to hide some information because I asked for Information about a email that I received Regarding a Some Account with XXXX XXXX XXXX XXXX he tole me that is not from bank of America and I told him that I received from bank of. America and he told me but we don't have any one from that company XXXX I Said So Where is one Location that I can get. Information and he told me on XXXX they have XXXX Speaker but at tha time was a guy from XXXX! was walking with a Lady and I look to. him and he told me he only speak English and I told him I do speak English and he told me you need appointment I ask for one lie give to me for today but I not feel comfortable don't think I go because he even told me that was no one to attended me but one of. the Associate come to ASK if we need help and he said No but he was thinking I don't understand English Even he device to another person he told him to come back in one hour Yes to denied me the Service

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 2023-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: TX

Complaint narrative:
I have received a bill and attempted to reach Edfinancial via phone on XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23 and after waiting for longer than XXXX hour each time to be disconnected from the call queue. I have sent a " contact us '' message via the portal on XX/XX/23 and have not received any response. I have also uploaded court documents into the web portal as this debt was XXXX in bankruptcy and still no response and the online portal indicates the debt is past due. It is very difficult to reach someone at XXXX by any means.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My debit card and pin was used for purchases and money withdrawals without my authorization totaling {$670.00} The bank refused this claim because they state they found the transactions were made by me or someone who had my permission. 
I claim I'd did not authorized anybody to use my card which was stolen while traveling out of the country and told them that the ATM and stores have cameras to find the culprit.

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 2023-10-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( 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 report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2023-10-31 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: MOHELA
State: OK

Complaint narrative:
I am currently under SAVE repayment for my student loans. I have made XXXX qualifying payments for XXXX. I expect to reach XXXX qualifying payments XX/XX/XXXX and qualify for XXXX. 
In early XXXX I submitted documentation for employment certification form with Mohela to have my payment counts updated. When they processed this on XX/XX/XXXX Mohela put my account in administrative forbearance. I am concerned that if my account is in forbearance than my payments will not qualify for XXXX. I do not give permission nor do I want my account to be in forbearance. I immediately used the Mohela account messaging service to request my account be in SAVE repayment and not under forbearance. I have not received a response. On XX/XX/XXXX I called Mohela ( which typically involves a several hour wait to get someone on the phone ) I was advised by the customer service agent that my account would be placed back on repayment and not be in forbearance. Unfortunately, my account was never taken off of forbearance. On XX/XX/XXXX I made another attempt to call Mohela but I could not get through to an agent and while waiting the line would constantly drop and I would lose my place in line. On XX/XX/XXXX I called Mohela again and I spoke with XXXX. She also assured me the forbearance would be taken off and my payment would qualify. She asked that I go ahead and make a payment which I did although my account is in forbearance. I then asked if the payment " should qualify or most certainly will qualify '' and she could not clarify. XXXX put me on hold and contacted an unnamed supervisor and assured me that my forbearance will be taken off and that my payment I submitted this day will qualify as a XXXX monthly payment for XXXX. However, following the conversation my account still shows that I am in forbearance. I have not received anything in writing that my payment has qualified. I sent messages to Mohela on XX/XX/XXXX as well as XX/XX/XXXX that have gone unanswered.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: PA

Complaint narrative:
I never lived here I am writing to dispute a collections account that appears on my credit report. I have reason to believe that this account is not a valid debt, as the debt collection agency listed on my credit report, FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in the State of XXXX, where I reside. 
I have enclosed evidence to support my claim which confirms my residency in XXXX where i have been living for 10+ years and still am living. 
As you are aware, under the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act ( RFDCPA ), a debt collection agency must be licensed in the state where it operates and the state where the consumer resides. In addition, XXXX law requires debt collection agencies to obtain a license from the XXXX Department of Business Oversight ( DBO ) before engaging in debt collection activities in the state. 
Given that FAIR COLLECTION & O / XXXX XXXX does not have a license to operate in XXXX, I request that you immediately remove this collections account from my credit report and anything that has to do something with this debt as it is in violation of the FDCPA and the RFDCPA Thank you for your attention to this matter. I look forward to hearing from you soon. 
Sincerely, 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 2023-10-31 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: KY

Complaint narrative:
I have provided police reports and identity theft reports to have a fraudulent XXXX XXXXXXXX account ending in XXXX removed from my credit report I did not open this account and have no knowledge of it I have provided all required documentation as required by the Fair Credit Reporting Act with no resolve

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 2023-10-31 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: FL

Complaint narrative:
I AM NOT LIABLE WITH THIS DEBT AND DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX XXXX XXXX THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. I MAKE THIS REQUEST PURSUANT 15 U.S.C 1681i OF THE FAIR CREDIT REPORTING ACT 1997. DELETE THIS ACCOUNT WITH XXXX, EQUIFAX ANS XXXX. 

ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have credit card with Capital one Bank that's why plan to open checking account- XXXX and Rep ID XXXX today XX/XX/2023 No explanation- seems like they run the whole financial sector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
i dont know what this is! my information was stolen. i have not applied for anything!

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reached out to XXXX, XXXX, and Transunion to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to XXXX on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have reached out to XXXX, Equifax, and XXXX to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to XXXX on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
The company only sent me a copy of the bill and not a copy of where I sign and agreed to pay them. And that I owe the said debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My credit report is showing late payments to WELLS FARGO BANK N.A XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the WELLS FARGO BANK, N.A 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

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 2023-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I had 3 different hotel transactions done on my cash card with my cash card locked and I keep my card locked at all times that way no one can put transactions through on my card and I did not make the three transactions and don't get how I have my card locked and disabled at all times to keep stuff like this happening and no merchant could of done the 3 transactions that were made on my card due to my card being locked and disabled and the only way they could have happened is if they were taking straight from my account with my account number and routing number and I don't know my account number or routing number let alone for someone else to have it and be able to make transactions on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative. I am requesting that you please provide me with all verification results regarding this account so that I may investigate these claims and take appropriate legal action.

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 2023-10-31 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: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 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: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief