vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 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: IL

Complaint narrative:
Starting in XXXX, I have been emailing, calling, and attempting to use EdFinancials online chat service but to no avail. I have been trying to get in contact to ask for my amortization schedule in order to begin prepping for loan payments to begin. After scouring their site, it seems the only way to obtain this schedule is by asking for it from an agent. There is no easy link ( at least not one readily visible ) to request this information Most of my emails have gone with no reply, I only have got one single answer and they said it would take a minimum of 41 days to get me my report. 

Whenever I would call, the robot would say the hold time is at least 200 minutes, they would then say I can schedule for a call back when it's my turn in line. But not once from the 10+ calls I've made, have I ever gotten a call back. I have even made sure to call early in the morning so that the scheduled call back comes within regular work hours XXXX XXXX ET, to make sure I wasn't missing my window. 

Lastly their online chat service does not allow me to request my amortization schedule and whenever I ask to be connected to an agent, it always says that that service is unavailable. 

Their is no other way to request that schedule other than talking to an agent. And yet they make reaching an agent totally impossible. It seems very obvious that this is a purposeful way to slow down repayers and allow themselves more time to accrue interest payments. It's disgusting how hard it is to obtain my own information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: VA

Complaint narrative:
Everything on a Consumer Report is supposed to report " to maximum possible accuracy '' 15 USC 1681e ( b ) The FRCA states that " transactions, experiences, authorizations, and approvals of credit '' are not included in your Consumer Report.

15 USC 1681a ( 2 ) ( A ) ( i ) ( B )

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 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
On XX/XX/XXXX XXXX XXXX. XXXX, Citi Credit Card Services Dept., XXXX, returned my call, RE-New Credit Card Offer Application : Callback regarding dispute that CITI CARDS CBNA made a Bank / Credit Card Inquiry by checking your XXXX  XXXX  File on XX/XX/XXXX. Inform XXXX that I didn't completed the XXXX XXXX credit card offer application, when asked a question, I chose not to answer, I aborted the application. Inform that I received a denial letter today, dated XX/XX/XXXXXXXX  stating the reason for the denial : Too many inquiries are recorded on your credit report. This is not true information. XXXX provided Citi Credit Card Services Subscriber # XXXX and stated that she would submit the dispute to remove dispute from XXXX and it could take up to 30 days.. I requested that she submit the request to remove the inquiry also from XXXX and XXXX. I later received a letter dated XX/XX/XXXX form Citibank, N.A., stating we are unable to remove the inquiry form your credit bureau report. The inquiry was made in order to review your application for a new account with us. Sincerely, 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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I've been having credit card with Bank of America for years and I just heard that this bank has been improperly charging extra fees and withholding reward. I think I'm one of these victims.,

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 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I reached out to Mohella in the middle of XXXX requesting information on loan consolidation. I am a Public Employee who would qualify for PSLF however I need to know how to complete loan consolidation to ensure I have one payment and one loan to work with. However when I reached out, I received a response about the number of payments I have made. It had nothing to do with any information I requested. I reached out again and never received another response. As of today, I've yet to receive any information from Mohella.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act Capital One has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604A section 2 it also states the a consumer reporting agency can not furnish an account with out my written instructions un 15 USC 1666B A creditor may not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX in XXXX XXXX  forced performance on a loan which I wished to rescind the contract within 24 hours due to un disclosed damage to the frame of the car. XXXX XXXX XXXX has a business relationship that is more personal instead of professional with XXXX XXXX XXXX They took my information from the car dealership and refused to let me return the car. 

I fell into a hardship and they harassed me every single day, email after email, call after call. I have asked them to remove the alleged debt from my credit report, as they have sold the debt and has a debt collection agency call me. I told them all to quit calling me but they refuse. It seems to me there are definitely fraudulent dealings with this financial company. They refuse to honor any laws surrounding consumers rights and force under coercion and duress to sign papers and refuse to allow any review of the actual documents. 

I wrote them certified with a formal request for documentation and they now call me several times a day with automated calls. 

That is illegal and against the law! The Attorney Generals office needs investigate this predatory loan entity operating in several states!!! 

I would like my demand for the original loan documents and ANY/ALL of the paperwork they have with my wet signature. 

Thank you

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 2023-09-05 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: FL

Complaint narrative:
They verified this account as mine despite the fact the information on the credit report is inaccurate. No accounts with XXXX account # XXXX or XXXX account # XXXX were verified using experian, XXXX and XXXX 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 2023-09-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
This collection does not belong to me. I believe I am a victim of identity theft. I have never lived at this location, Ive never signed a lease, and the address linked to this fraudulent lease is not, nor has it ever been tied to me. Ive reached out to the property on several occasions over the past few years asking for a signed lease, and asking them if they have any ID of mine on file, or any camera footage from the day the lease was signed. I have reached a dead standstill. This colloction has since caused me to become homeless as I am unable to get property in my OWN name due to this balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: Berlin-Wheeler, Inc. (Kansas)
State: MI

Complaint narrative:
XXXX XXXX keeps putting or selling this identity theft dept to different collections. Berlin Wheeler is the 5th collection agency that falsely put this dept on my credit report. Every time I have to go through this process. XXXX was sent all the documents but refuses to listen i guess and this pops up seems once a year with a different collection agency. I called Berlin Wheeler on XX/XX/2023 after i seen this fraud on my credit report again and let them know it was fraud but the lady that answered the phone was rude and laughed at me when explaining. Very rude and unprofessional is Berlin wheeler..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Delete Addresses ; XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX , OK XXXX The addresses stated in the above reference must be deleted from my credit file as it is inaccurate regardless of what any creditor is reporting. Im aware Experian has some illiterate policy in place of disregarding address removal if associated with an account which strictly goes against the Fair Credit Report ACT. 
A consumer has the RIGHT TO DISPUTE under FCRA regardless. Credit Reporting Agencies must furnish complete accurate information under the oath of federal law.

Experian you have violated my right as an consumer if these addresses are not remove from credit file. I provided proof of residency, Driver License, Utility & Statement. If not, remove it willful noncompliance of furnishing inaccurate information.

Violation 15 U.S. Code 1681n civil liability & willful noncompliance

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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have filled out a 1099A form with American Express. It was accepted by the IRS ON XX/XX/2023 and was postmark on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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:
Unauthorized accounts on my report that were not verified properly.

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 2023-09-05 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:
these fraudulent inquiries on my credit report are not authorized by me and need to be removed ASAP XXXXXXXX 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 explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nations Direct Mortgage, LLC
State: CO

Complaint narrative:
Our address was updated to our mortgage company on XX/XX/2023. They acknowledged this in writing, and it was correct on our online portal. 

The mortgage company sent the XX/XX/XXXX billing statement to the old address, as well as the subsequent letters about a missed payment to that old address. 

We have auto pay, however there was an error in payment. We received no notice of the error so didn't realize it had occurred. 

We wrote to them telling them about the error, and they said that since they tried contacting us via phone ( no voicemails were left to our knowledge ) that they can't do anything. 

We believe that since they are required by Federal Law to provide written notice of billing statements to us, that they should remove the late payment from our credit, as it was resolved once we got notice of it. They acknowledged they sent it to the wrong address, and we have written documentation showing that they sent to the wrong address. 

Furthermore, the next month they didn't send the statement until XX/XX/XXXX, which, given a few days to mail it, would have arrived almost after a late payment would have been applied. We believe that these practices are not allowed, and should be rectified, and not ruin our credit. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: WA

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A.

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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.

Also, they aren't even in compliance with Metro 2 credit reporting. I have evidence to prove my case!

I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never giving proper disclosures or the ability to optout of my info being shared. I have not benefited from any of these transaction. I believe I am a victim of Identity theft. Please block, delete and remove them immediately from my consumer report. 

CREDIT COLL ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize the following inquiries. 
XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/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 2023-09-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I took a balance transfer loan from XXXX XXXX XXXX XXXX XXXX XXXX XXXX mastercard for {$130000.00}. I mistakenlyhad XXXX mail the loan to my Capital One ( CO ) credit card instead of 3 intended recipients including CO. I checked with CO daily`for arrival of the check and was told, if received, it would post within 24 hours. On XX/XX/XXXX, I was told that the check was received by CO on XX/XX/XXXX but was not posted till XXXX. On XXXX, I explained to CO that check was intended for 3 recipients and to please ACH or mail the excess funds to me. I talked to numerous reps including supervisor XXXX and I was told I had to wait 15 business days and then the check would be mailed in about 10 business days. They could not expedite it. I gave them recorded verbal authorization on XXXX for the check to be mailed. On XXXX, I called CO talked to supervisor XXXX to see if waiting time could be reduced as my other 2 intended recipients needed to be paid. She said the wait is in process and could not expedite. On XX/XX/XXXX I talked to supervisor XXXX from CO to find out my prior authorization from XXXX to mail check could not be found and I had to reauthorize which I did. I asked him to email me their wait policy or find it on their website. He said this was internal policy and could not share it. I told him as I had told others of CO all they had to do was contact XXXX  to verify I and the funds were legitimate. I also told them XXXX and XXXX where I have credit card accounts would mail me refund checks promptly without wait as this was not universal policy. I am still waiting for my check while I am currently paying over 8.5 % in one account and close to 16 % in another account that I would not have incurred if I had received timely refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Frost-Arnett Company
State: WI

Complaint narrative:
Frost Arnett Co has been calling every day, multiple times a day for months. I've told them I can not answer during work hours ( XXXX ) and they still call. I've blocked multiple numbers they call from as to not interfere with my job, but they call from new numbers every day. They've not only discussed my medical debt, they actively aggravate my medical condition that caused the debt in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX 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 has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.

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 2023-09-05 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: TN

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 USC 1681 section 602 A states I have a right to privacy. Under 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my instructions.

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 2023-09-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase Bank closed and absorbed my savings account. When calling to ask why it was no longer opened they said that I need to visit a branch. I am nowhere near a branch and should not have to go anywhere to access my account. If I don't go to branch they will simply keep my money. Millions of chase customers especially those that may be older would potentially never know their account was simply gone.

Company response to consumer: Closed with non-monetary relief