vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-07 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: NJ

Complaint narrative:
I have a remaining loan balance of {$19000.00} for my student loans. I have requested a {$500.00} refund from my last payment because I am now eligible for {$20000.00} in one-time loan cancellation. I called and requested this refund and was instructed that I would receive the refund in 150 days and that I would be able to see this on my account online. This would mean I would receive the refund sometime in XX/XX/2023. Please note that other loan servicers are processing these refunds in a matter of weeks and not months. Since they are saying that my refund will be 150 days, this would be after the " one-time '' student loan cancellation. When I asked if this would still be forgiven since it's a " one time '' cancellation and they would not be refunding me and changing my loan balance until XX/XX/2023 ( after the cancellation ) I was directed to a website that had no information on the question being asked. I requested a phone call reference number or email confirmation and was told that I would receive no notices regarding my refund or account status. After researching this issue I see that many others are having the same issue and are finding out that the refund requests were never submitted by representatives. Since we are unable to submit refund requests online ourselves and can not see whether or not a refund request was submitted, there is no way to know if I will receive my refund or if the request was in fact submitted. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: VA

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would take up to 12 months. Throughout the pandemic I made almost $ XXXX in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, aidvantage are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company does not have our best interests at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent in a letters on XX/XX/22 letting transunion, XXXX and XXXX know they violated my consumer rights. Under 15 U.S.C 1681 ( a ) ( 4 ) " INFRINGED UPON A CONSUMER 'S RIGHT TO PRIVACY ''. 
XXXX sent me back a RESEARCH REQUEST FORM XXXX did not send anything back. 
trans union sent back the account been verified. 

I didn't asking for nothing back. they violated my consumer rights. 
how did they verified this account and the courts send me a letter saying they don't give out my information. This is fraud they got my personal information without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I made a dispute last year regarding my account. My wife and I were traveling for business at the time and I noticed that some money had came up missing out of my account through XXXX XXXX. I immediately contacted chase when I became aware of it. I called in filed the dispute letting chase know that I was traveling for business and that I didnt know the person at all that the XXXX XXXX belonged 2 so the was filled and granted. My wife ended up getting sick so i didnt notice that theres were transactions that were missed and I assumed my financial institution would have done there part but to my utter dismay I was severely mistaken. When I called back in to the claims department the representative was understanding and even went over the other charges with me. Now they are refusing to approve that other transactions that the first representative missed. I escalated it to chase executive office but the Representative that was assigned to the case was rude and very unprofessional. When I asked to speak with his manager they never called. I called back in inquired about the call back from his manager because it had been about two weeks and I still didnt hear anything they informed me that his manager would reach out to me in 24 to 48hrs. Upon receiving a call back it was from the same rep that I was speaking with requesting a call back from his supervisor. He stated that he was calling on behalf of his manager, Also that the decision for the claim didnt change they still werent going to help me. After that I called back in requesting a call back from his manager again upon her calling back she wasnt helpful either. When I asked her for the approved transactions she gave them to me but they coincides with each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I'm deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I was an identity theft victim dating back to 2018 with XXXX police reports that were sent to Experian, XXXX and XXXX. It is 4 years later and my credit still a mess so I hired a credit repair company to help me considering no one else helped. Once again Experian put a fraud alert on my credit preventing me from getting a place to live. They refuse to remove it. The identity theft was committed by my ex husband. I do not want my credit reports with any freeze or fraud alerts. I have had enough. Experian refuses to remove and illegally added the alert. XXXX removed immediately with a phone call Please help me as Experian should be fined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX I submitted a notarized request to close my Kabbage business account. Asking the bank to either transfer the funds to my American Express savings account ( Kabbage belongs to American Express ) or to send a check to the address on file. 

Instead of receiving a response in writing, I received a phone call from a lady with the name " XXXX '' on XX/XX/XXXX confirming that Kabbage received my notarized request. XXXX stated that Kabbage still would not close my account or provide access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Affirm Holdings, Inc
State: LA

Complaint narrative:
I, consumer, natural person, and living woman was discriminated against by XXXX XXXX ( Affirm ) when I applied to make a purchase on several occasions, I will attach the dates in the attachment section. 
A consumer credit transaction occurred the moment I applied for credit by filling out a CREDIT application NOT a LOAN application. It is my right to be extended credit pursuant to 15 U.S.C 1691 ( a ). In addition, when you, XXXX XXXX ( Affirm ), accepted my application you also accepted fiduciary responsibility. 
Furthermore, I have proof of fraudulent activity and discrimination based on the response I received from XXXX XXXX ( Affirm ) and the unauthorized use of my credit card. I did not receive ANY BENEFIT from this transaction 15 USC 1603 ( p ). My consumer report was negatively impaired proving the transaction did in fact go through. It is my right to be granted substantial amount of credit 15 usc 1691 ( d ) ( XXXX ). 

XXXX XXXX ( Affirm ) claims to not be able to confirm my information ; however XXXX XXXX ( Affirm ) sends me a code when I purchase from a company that utilizes them without me requesting to pay in installments or notice the company utilize XXXX XXXX ( Affirm ). A box populates with my information to enter the code. I have had installments with XXXX XXXX ( Affirm ) before so that message is surprising to me. 


Best Regards, XXXX : XXXX XXXX XXXX ] Without Recourse, Without Prejudice All Natural Inalienable Rights Reserved

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
Credit Karma told me I qualified for several loans. I then applied, ALL of those loans were denied, resulting in several inquiries on my credit report and hard hits. My score is now trash. When I contacted them, they pretended not to have any account with me even though I have a checking and savings with them. It was only after I threatened to report them that they asked for more information to find my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
An employee worked for me for about 5 years. He was taking customer checks made out to my business and mobile depositing them into his personal Wells Fargo account. This was over the course of XXXX. In XXXX of XXXX, Wells Fargo called me and asked if I authorized an employee to deposit a check into his personal account to which I of course said no. They told me " over the last 3 months, we see he has done this with several checks totaling approximately {$30000.00}. '' They told me they were not allowed to tell me any further than 3 months even though it was my money. I confronted the employee over the phone and he stopped contact with me. After filing charges and subpoenaing records from the bank, the total amount stolen was {$130000.00}. Criminal charges were filed but the bank 's fraud department refuses to work with us and will not give any of the money back. The employee has since overdosed and died. This is negligence on Wells Fargo 's part for continuing to allow business checks specifically made out to my business to be deposited into a completely separate personal account. How this was not caught sooner, I will never understand. I am willing to work with the bank and settle this any way possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Credit Karma, LLC
State: NH

Complaint narrative:
I have applied for many credit cards Through credit karma that offer guaranteed approval, Only to be denied via a credit check. I've also applied for debt relief personal loans personal loans pretty much all of the guaranteed indeed stress relief that they offer only to find out I just Damage to my credit score even worse. To be honest with you you can look at my applications I'm sure someone can find out I've been going through this with them for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received an alert from XXXX bank that potentially negative activity was placed on my credit report. The complaint was made by National Credit Adjust. When I called this company they informed me that they were a collection agency and that they had attempted to collect payment for a loan I owed, but had gotten no response from me. The information I obtained was that the loan was made by XXXX XXXX in either XXXX or XXXX of 2021. I never applied or obtained a loan from XXXX XXXX. National Credit Adjust had my accurate address and Social Security number. XXXX, they had the wrong Drivers License number, the wrong bank, and they said they had verified emplyment at XXXX XXXX XXXX, but I have been retired for 8 years. When I spoke to XXXX XXXX they just said they had sold the loan and gave me no more information. They stated that they had contacted me by phone twice and I had said I would make a payment. I never spoke to anyone from their company. I had call blocking on at that time, so any call from them would not have even gone through.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
This is in response to BOFAs response to my complaint regarding their refusal to grant me provisional credit as required by law and their refusal to provide a written account of their investigation within ten days as I requested.

BOFA, you state you need 60 more days for a resolution. THAT IS UNACCEPTABLE. This has been an " investigation '' for over a YEAR. You have failed me as a consumer, you have lied, you have withheld information and you have done everything in your power to refuse me my right to provisional credit. What you are doing is ILLEGAL. How dare you not provide me a written account of this investigation, which I have requested and you continue to stall, saying you need 60 more days? No. You. Do. Not. I'm retaining an attorney today. This is a vulgar display of power and I will no longer put up with your excuses and your lies. I'm not afraid to take you on. The XXXX is on my side. You violate every regulation in this industry there is. You wanted to play with XXXX recipients. I'm not playing anymore. Provide me a written account, grant my provisional credit, and do it within 72 hours. If you refuse, I'll see you in a court of law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

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

15 U.S.C 1681XXXX ( A ) XXXX XXXX XXXX  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 explanation
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My credit report stilll show inaccurate accounts Name date in Address different social security numbers and deletions that where not investigated properly They are inaccurate. 

You guys responded to me by mail that yall where going to close the case because you said this isnt me that was reporting this inaccurate information on my report, so I sent more identification. 
I sent letters by certified mail and i also disputed online as well I ALSO SENT YALL THE CFPB PROVE of this problem and NOTHING HAS BEEN DONE. 
I even called after the Letters to fix this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VW Credit
State: CT

Complaint narrative:
On XX/XX/2022, I sent a certified letter to VW Credit which was received on XX/XX/2022. I asked them to show documented proof that the repossession account listed on my credit reports belongs to me. It has been over 30 days and I have not heard from VW Credit at all. This is unacceptable! To ignore a consumers dispute and not respond at all is a direct violation of the Fair Credit Reporting Act 1681 that unequivocally states within 30 days the reporting agency shall investigate or delete the item ( see attached law ). Since VW Credit ignored my dispute and violated the Fair Credit Reporting Act, and violated my right as a consumer, I want this derogatory repossession account immediately deleted from my credit reports ( XXXX, XXXX, and XXXX ) as stated in the FCRA XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07 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: AES/PHEAA
State: IA

Complaint narrative:
I have tried for over 30 years to get he lp with a for profit school XXXX XXXX XXXX located in XXXX XXXX Iowa XXXX XXXX XXXX XXXX XXXX ( XXXX ) was a for-profit post-secondary education organization in North America . Through more than 50 campuses and subsidiaries, it offered career-oriented diploma, Associates and bachelor 's degree programs in advertising design, architectural design, health care, business, criminal justice, transportation technology, construction trades, and information technology. 
XXXX XXXX XXXX XXXX, agreed to acquire remaining assets of XXXX XXXX XXXX in XXXX. At the time of the acquisition, XXXX XXXX was the world 's largest provider of education through mail or computers. 
The school missrepentation of everything from job pay and prospects. 
I now owe XXXX XXXX dollars almost all on intrest. 
I was advised to attend the school by the State of Iowa I was approved for Pell Grants and other grants To pay for this. 
The school was so bad that the teachers left in droves and they had other students teach. 
I learned next to nothing. I wanted to leave but was told by the school I would have to pay everything back so I stayed. 
I have never been able to get a job in computer repair or coding. 
I am now turning XXXX this month I have made so many attempts to settle things with no results I was finally able at XXXX to get a position in XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until XX/XX/XXXX I have been told I have made 109 qualified payments toward XXXX I just can't work full-time anymore. 
Can you help me understand why I can't get the debt forgiveness like other schools that were closed and debt forgiveness was given. 
I will now still be responsible for the rest of my life for at least XXXX XXXX dollars in intrest. 

XXXX XXXX

Company response to consumer: Closed with explanation