vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EdFinancial Services
State: CA

Complaint narrative:
Between XX/XX/XXXX and the present date, I have attempted to pay back my federal student loans 7 times to Edfinancial using their website, contact with a representative, and payment over the phone. And nearly every occasion my account appears to be processing the payment only to put it back into my account and email me that I still owe them money. I have attempted to contact edfinancial multiple times over the last three months. I have sent three emails which have gone unanswered. I have attempted to contact via online agent services which do not work and I have always been messaged that no agent is available to help me even during their regular XXXX working hours. On only one occasion was I able to contact an agent through the phone. This agent was confused about why this was happening, could give no explanation and attempted to say the problem was due to my bank. I contacted my bank ( XXXX ) and the bank says that unconnected to Edfinancial, there are no problems with my account, and they are not responsible for the problem. 
I have enough money in my savings account to pay my loan back and have made many attempts to do so in good faith. I am submitting this complaint today for two reasons. First, all attempts to pay my loans back has been rejected for no reason that Edfinancial can explain. Second, I have spent many hours emailing, waiting on the phone line, and attempting to pay online, but Edfinancial has made it almost impossible to contact them directly, or allow me to communicate this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Keep receiving phone calls and voicemails that state they are a legal person regarding a legal matter and that it is very very important to contact them or legal action will be taken as a result... This type of behavior is uncalled for especially when I have requested a written contract to show my official signature on it validating any kind of debt to this or any agency trying to attack my credit score and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hi! 

I received an email that I had a hard inquiry on my account, via XXXX XXXX. This morning I woke up to an email saying I had a Capital One credit card on the way ( I never signed up for ). I have XXXX  in touch with Capital One and I am working on cancelling the account that was opened and the credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Exeter Finance, LLC.
State: PA

Complaint narrative:
Exeter finance charged off this account as a bad debt. They have yet to send me a 1099c form and also a proof of sale XXXX they sold the vehicle. They added all these charges on the account after they charged it off in XXXX and also after they sold the car for XXXX and it was worth more than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
" I have paid off a debt collection account, but it is still being reported on my credit. ''

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 2023-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MD

Complaint narrative:
The XXXX XXXX XXXX and I came to an agreement that this debt was not owed. They have adjusted my account to a XXXX balance and I was told they would contact Hunter Warfield to let them know to remove this debt from my credit report. I called Hunter Warfield on XX/XX/23 and they refused to do so and stated they havent received any information to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: IN

Complaint narrative:
In XXXX of XXXX my identity was stolen. The Mortgage Company reversed payments to my Bank without my knowledge. The bank who I will deal with separately contacted My mortgage company and told them to reverse 12 payments. Thank God they only reversed 4. We sent proof to the mortgage company showing that we have never missed or been late on a payment. We have tried to make up the payments that were reversed. But with all the fees and late charges we don't have the money. Problem is all the late and service fees. They have also further damaged my credit rating by reporting me in default. 
We have contacted The mortgage company many times. Each time a new representative and no satisfactory response.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ive submitted a complaint already- the complaint number is XXXX you all advised a monetary value and did not address their false reporting or incorrect fees. The bank never added the monetary value nor did they remove the fees. The bank has provided falsified information and incorrect reporting. I want this account removed from my business reporting immediately and I want this escalated!

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 2023-10-22 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: Westlake Services, LLC
State: GA

Complaint narrative:
This company went into bankruptcy without signing over my title. Sold my loan to a debt collector that illegally repossessed my vehicle and personal items, but refuse to provide me with a purchase agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Hello, I would like these accounts removed off my report because I did not authorize these companies to run my credit report. 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 2023-10-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
I have never lived in XXXX XXXX Apartments, I do not have any outstanding balance with them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
" I have paid off a debt collection account, but it is still being reported on my credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 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 non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: NC

Complaint narrative:
I opened 3 credit cards with capital one. Never had any issues. Always making my payments on time. Somehow my account was flagged for possible fraud. Im not exaggerating when I said almost 13 different people from the XXXX called me asking to sent copies of my driver license, social security card and bank statements for verification. They wanted me to show my personal bank information on it. Lets start by that is dangerous to be giving your information to other people, specially overseas. I did it anyway. Somehow they started they couldnt verified my information and closed all of my accounts. I have tried to call so many times to request to speak with someone in the United States and I get nothing by ride people. Nobody is able to help me or able to provide further information. They continue to report this accounts to my credit file as negative hurting my credit. I need someone to call me and fix this issue. Someone from the United States. You are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Previous dispute filed : # XXXX Account ending : XXXX Payment of {$1300.00} was sent to Synchrony Bank/Sams Personal Credit in the form of check. Check # XXXX Dated XX/XX/2023. Check is marked as Cashed as of XX/XX/2023. 

When speaking to a representative they advised the payment was shown however never applied to the account. A temporary credit was placed on the account during dispute review however, credit has since been reversed and payment was not applied to account. Representative also advised interest would not accrue during the dispute process however, new charges have been applied to the account. 

We have files to support the argument and are happy to provide any supporting documentation.

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 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: OH

Complaint narrative:
I received my statement from Discover Card in XX/XX/XXXX. I noticed a charge from XXXX that I didn't make. I don't shop at XXXXXXXX XXXX. I went online with Discover Card and disputed the charge. They said they would investigate. On XX/XX/XXXX their answer to my dispute came in the mail. They determined that I was liable for this unauthorized charge. On XX/XX/XXXX I mailed them a letter stating my disagreement with their decision I never got a response. I paid the {$250.00} to preserve my credit rating, stopped using the Discover Card and froze the account. I figured I had learned a lesson to not deal with Discover and was going to let it drop. But their lir on their commercials " YOU WILL NEVER BE RESPONSIBLE FOR UNAUTHORIZED PURCHASES '' was more than I could stomach there for I m filing this complaint. They should not be allowed to lie like that in their commercials. Thank You, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: CA

Complaint narrative:
I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

1. Account Name : XXXX XXXX Bank Account Number : XXXX 2.Account name : XXXX Account number : XXXX 3.Account name : XXXX XXXX XXXX XXXX Account number : XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violations.

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 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: Chime Financial Inc
State: NY

Complaint narrative:
I applied for the {$200.00} guaranteed on my chime debit card and i had problems with having to receive a check for three weeks which caused me to be late for rent and no food or soap for almost a month I have experienced anxiety since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I Sent my letter off on XXXX I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

I have the credit report showing the inaccuracies. 

( List the accounts Accounts ) Account Name : 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 explanation
Consumer complaint received 2023-10-22 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: Sensible Auto Lending, LLC
State: FL

Complaint narrative:
Hello, i would like these inquires removed because I did not authorize these companies to run my credit report. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: GA

Complaint narrative:
Edfinancial was my designated loan servicer for my graduate school loans. I have been trying to contact them for about 1 month regarding my monthly payments and making a large principal reduction payment. I first called on XX/XX/XXXX. Their office was not opened. I called again Tuesday when the office was opened again. My wait time was estimated as over 300 minutes. They called back the next day and I could not answer because I was treating patients. I tried again on XX/XX/XXXX, again was put on a wait list for a call back that was over 300 mins. Again, I could not answer the call back and no voice-mail was left, nor did they attempt to contact me again. I called again XX/XX/XXXX. Was put on the waitlist and got a call back that night. I spoke to the representative for about 3 mins ( most of it was her confirming my name and DOB, etc ). I asked my question and she said she would place me on a brief hold. After about 1 min on hold, she hung up the phone. I called back again on XX/XX/XXXX and got a call back that day. Again, after confirming my personal information, the representative hung up on me. I sent an email that same day hoping for a response and I have not received one yet ( it is now XX/XX/XXXX ). I placed another call on XX/XX/XXXX, hopefully I hear back Monday, but don't expect much since I keep getting hung up on. I just want to figure out how to pay these people what I owe them. I work in patient care 5 days a week during their open hours, so it is hard for me to get in touch with them. I am having to step away from patients to answer their calls only for them to hang up on me. I was hoping the email route would go more smoothly, but that is not the case. I am seeing lots of other horror stories similar to mine about Edfinancial. I just want my questions answered so I can pay my loans back in a timely manner!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was charged XXXX by mistake from XXXX XXXX XXXX XXXX, an XXXX  only company with no US support. Every time I call they state they will, but no one seems to issue a refund. It takes hours of my life and I am always told they will get back to me but never do nor issue the credit. 
This has been since XXXX. 
I submitted a prior request, but it is very confusing, since the charges were credited back all separately and the one in question shows one name on the charge and a different one on the credit. 
Chase was looking at the wrong amount/charge, which WAS credited back, not the one I was complaining about. 
What a headache. Hopefully I attached the correct printout to show the issue. 
The card started with a XXXX balance, yet still shows {$850.00} due when it should be back to a XXXX balance.

Company response to consumer: Closed with monetary relief