vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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: TX

Complaint narrative:
After the loan forgiveness was announced, I requested a refund through Edfinancial of over $ XXXX of payments I made after XX/XX/2020, which resulted in my federal loans being paid in full. I received a timeframe of 170 days or more to have the loan balance reinstated and the refund processed, with no written confirmation of any kind to confirm that this request has been received. This is really not an acceptable timeframe at all, especially considering the amount of money they are withholding from me. Additionally, I have spoken with many people who have had their refunds processed significantly more quickly than the timeframe given to me by Edfinancial. There is no reason why Ior anyone elseshould be forced to wait over 6 months to receive a refund for money in an amount of this scale. 

I would be more than happy to attach documents about this issue, but Edfinancial has elected not to provide written confirmation of my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
From XX/XX/XXXX thur middle of XX/XX/XXXX I was unable to do my payment in timely fashion I was incompastated at time. Some payment where made late or not all. I was in XXXX XXXX XXXX. By the time I was able to go back and do my owe finances the damage was done. I guess what I trying to say is I don't feel this should have negative impact on your credit scores. They closed my accounts, and drop my credit limit. XXXX would not help with there remarks. And Synchrony Bank closed one left one open, which makes no since. Once I was back in charge everything was back up to date. And a mortgage was Paid off which drop my score again. They didn't take in account what happened. I'm sure I'm not only one this happen to.

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 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I XXXX XXXX contacted Credit Control Service in regards to a balance of {$100.00} reporting on my credit report. I do not even know if this collection is a valid collection. The only reason that I paid the collection is because I am in the process of purchasing a home and this one account is causing me to not be able to close on my home loan. When I called I told the representative that I was in the process of purchasing a home and needed to have this account deleted from my credit and that I was willing to pay it even though I was not certain that this was a valid debt. The representative told me that the account would be paid in full and that it would be deleted from my credit. When I did not receive the email or document stating that the account would be deleted, I called back in to Credit Control Service and the representative then stated that He was unable to provide me a letter of deletion and that they were not agreeing to delete the account from my credit report. They only sent me a paid in full letter, which is not what I needed. And again I am not even certain that this collection was a valid collection that I owed but I paid it because I am in the process of purchasing a home. This has now delayed my closing on this home and I may even lose the home since I have not been able to get this off of my credit. I am going to lose {$3000.00} in earnest money and {$690.00} in appraisal and {$400.00} in inspection fees due to Credit Control Services giving false information after taking my payment for an account that may not even be a valid collection account on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
For the last two years my account has been hacked and funds taken out by various companies, all except one I have never heard of. I have detailed each charge and dates in the attached documents upload as they are too numerous to list here. These charges started in XXXX and continued until recently in XXXX ( XXXX ). I had not realized these charges were being taken out until I started tracking my account activity after the latest disputed charge and even one dispute at the beginning of XXXX that also caught my attention and I disputed it and it was denied. What made this denial incredible is my dispute on this same merchant was upheld a few month before in XXXX. Whenever I see a charge I don't recognize I report it and file a dispute and the bank is supposed to investigate it but I have little confidence with the lack of time that was spent investigating these several charges that it was thorough and complete. I even had 3 companies refund charges to me as much as they could because they realized the charges were false and said the bank would have to do the rest of the refunds by contacting them but the bank didn't recognize that as proof either and denied some of the disputes and didn't recognize the or address the others. All is documented and presented to you for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
i am sending you a copy of my payoff loan from XXXX XXXX XXXX. the payoff check was cashed by Ally Bank on XXXX. Ally Bank only applied XXXX to my account instead of the full amount of the check {$18000.00}. please correct this error by Ally Bank and close my account. ally Bank has already affected my credit worthiness as i have dropped XXXX points on my credit score which they also need to correct by sending credit bureau that this account is closed and paid in full. i was told Ally Bank that this would be cleared in 10 days on XX/XX/2022. well its been 10 days. i am willing to report this matter as a fraudulent act by Ally Bank as they still have not credited my payoff amount to my account and closed this account. also since they have not sent paper work to California XXXX. showing the new lien owners as XXXX XXXX XXXX they are in violation of that procedure by the California XXXX They need to correct their accounting error and apply the full amount and close my account. they need to contact the credit bureau and clear my credit report to show i am in good standing with my creditors. send the proper paper work to California XXXX to transfer lien title to XXXX XXXX XXXX, I have been dealing with this since XX/XX/2022 i have sent them proof of the the payoff check many times and have chatted with someone on their web site many times i have called and repeated their error to someone many times No results as of XX/XX/2022

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 2022-09-08 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: WA

Complaint narrative:
The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX Account has reported incorrect amounts, payment history and information on the account. The XXXXXXXX XXXX company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and 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 2 : It also states a consumer reporting agency can not furnish a account without my written 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 2022-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
In XXXX of 2020, a debt collection company named Security Credit Services notified me saying that I owe them {$2900.00}. When I tried to ask for information about this account, they were unwilling to give me information about it ; besides the fact that they have a signature that's supposedly from me & that they purchased the debt from XXXX XXXX. Numerous amount of times, I've disputed the account stating that they must have the wrong person because I am unaware of ever even applying for anything with XXXX. This account has been disputed 6 times, & still they are unwilling to remove this account from my report. I then took matters into my own hands & got help from a credit repair XXXX, & still nothing was resolved. This account is negatively impacting not only my credit score but also my credit report & it sucks because the debt they're trying to collect isn't even mine. I am in the process of looking for a new home, & knowing that this account is impacting me negatively is very discouraging. It makes it 10x harder to even consider getting a home when dealing with debt collectors who are like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: AZ

Complaint narrative:
I have contacted XXXX on numerous occasions asking that the collection for XXXX for the amount of {$2100.00} be removed due to the fact that XXXX XXXX and XXXX no longer state I owe this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked over my credit report and noticed unauthorized inquires on my report from XXXX XXXX  on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I submitted my Identity Theft Report along with this complaint.

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 2022-09-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
I was involved in a romance scam. As soon as I found out that I was being scammed, I went to my bank, closed my checking account, went to the police department, filed a report with them, came home and began calling credit bureaus to put a freeze, other accounts to close them down, etc. this all started the last week of XX/XX/2022. I ended up getting everything taken care of due to the fraud except for a Barclays Personal loan for {$15000.00}. It is now at {$15000.00}. I even had a barclays credit card that was written off as fraud. As of last week, I was told that I had to pay the personal loan because I had given this person my personal information. I DID NOT give this person permission to take out all of the money. Barclays told me that they couldnt do anything for me. That i was responsible. I contacted XXXX and spoke to a credit counselor. I was advised to contact you. Please help me. I feel that this is unfair! I was a victim of fraud.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
XXXX I sent $ XXXX XXXX XXXX to XXXX XXXX XXXX XXXX, to my friend XXXX XXXX XXXX ( I have done this many times but not so much as this time ). When she went to bank to get money they refused to give it to her. Saying there was a scam. Money gram says transaction was completed. When I called moneygram they said nothing about a scam. I have filed claim with money gram. They are investigating which may take 90 days. The bank has the money this is fraud. Maybe you can contact moneygram to get money paid to my friend. She is in the XXXX XXXX in XXXX. 
money gram transaction number XXXX a little push from you now may moneygram to contact the bank get release of money I would appreciate your help now, Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: DE

Complaint narrative:
I would like to state that Transunion is in violation of 15 - USC - 1681 b ( a ) 2 which states a consumer reporting agency may furnish a consumer report in accordnce with the written instruction of the consumer. 
I the consumer never gave Transunion any written consent to report anything on my consumer report. I demand that you remove these inaccuracies off my consumer report. 
They are hurting my consumer report. Keeping me from extending my credit. If they are not removed i will not extend my credit to anyone or allow Transunion to furnish a report for me. 
Pursuit to 15 - USC - 1681 ( A ) 1 states that the banking system dependent upon fair and accurate consumer reports

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 2022-09-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have been a victim of wire transfer fraud recently. 
Date : XX/XX/2022 Amount : {$2100.00} XXXX transferred the above amount to Wells Fargo Account XXXX XXXX Account Identifier : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX I could reclaim {$690.00} with the help of my bank - 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written 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 2022-09-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Report act. the list of accounts below has violated my federally protected consumer rights to privacy under 15 USC 1681 XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Date reported XX/XX/XXXX Date assigned XX/XX/XXXX Amount {$6900.00} Status date XX/XX/XXXX Balance date XX/XX/XXXX Account designator code Individual account Account number xxxxxx XXXXXXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights 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 2 : it also 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 consumer to any consumer reporting agency if the privacy and confidentiality under 15 USC 1681.

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 2022-09-08 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: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting act 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is still inaccurately reporting bad data, and its been confirmed with the entity/credit card Co. that they do not show any missed payments. Still, Experian continues to show them as late causing major financial issues. This credit card company continues to say it is an Experian issue and not theirs.

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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Good evening! I have been utilizing Credit Karma in order to learn new information that pertains to building better credit. I have been utilizing their services for a couple years now. After improving my credit quite a bit, they started sending me loan offers and credit card offers labeled as outstanding odds of approval! and great odds of approval! After finally getting my credit somewhat healthy, I decided to apply for a XXXX XXXX card and applied for it through Credit Karmas app due to it saying you have outstanding odds of approval! I applied for the card on XX/XX/22. I was denied. It also put a hard inquiry on my credit report and lowered my credit. I dont feel as if this is fair. If they are to be trusted with all of my personal information but theyre telling me I can get approved for a card and I get denied, that doesnt feel good to me. They obviously cant be trusted. Enjoy your night and thank you for taking the time to read this.

Company response to consumer: Closed with explanation