vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services

Complaint narrative:
I have previously submitted a complaint regarding this company, complaint number XXXX. 

Background : Earlier this year, my loan servicer EdFinancial switched to a new online platform. I have received several e-mails informing me that my account and loans had been transferred to the new platform, and inviting me to register. However, I have been unable to do so. For unknown reasons, when I have attempted to register and login to my new account, I consistently get an error message. I have contacted customer support multiple times and worked with different agents, who have been unable to explain or rectify the problem. One even passed me on to their manager, who was also unable to help and could not suggest how to resolve the issue. This means that my only method of paying my student loan ( XXXX XXXX XXXX XXXX XXXX XXXX ) is to pay via 'online chat ' with a live agent, which is time consuming as each agent insists on trying to fix the above problem prior to accepting the payment, despite me explaining nothing has worked thus far. There are also times, like the last week, where online live chat has been unavailable and I have not been able to make an online payment. Of course I am concerned about not being able to make timely payments because of issues which appear to be on their end. 


Update : Since submitting the complaint, a response from EdFinancial was received asking me to screenshot an image of the error message I'm receiving and to send it to them. I sent a message to customer service and have not received a response. I have attached screenshot of error message to this complaint- this is what I see every single time I attempt to log in, regardless of the computer or device I'm using, whether I've requested a new password, etc. It never works. 

Additionally, now that live chat with an agent is unavailable, my only option for making payments is via telephone. Unfortunately, now their automated system seems to be malfunctioning- the message often cuts out mid-sentence, and the system does not seem to recognize when I type in my bank account number or the amount I would like to pay. I have tried no less than XXXX times over the last few days with absolutely no luck, and seemingly no way to speak to an actual real person. 

I have now been unable to log in to my account for several months. I can not access help via live chat, and I can not even use the telephone system because it does not seem fit for purpose. I have had no response to multiple inquiries sent via e-mail. 

I am getting extremely frustrated and find this completely unacceptable, particularly because if my payments are late, through no fault of my own, I will incur the penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
I received a notice that I opened a loan with SouthState bank. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that SouthState did not provide them with documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: AL

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
On XX/XX/, I sent a letter of instruction as well as power of attorney to support my title and identity, to the appointed manager, chief financial officer, over my account enforcing my performance on the account. In response I was completely locked out of my account and the corporation ceased communication.This action is causing serious damage to my lifestyle. Not only is this securities fraud but it is also extortion and racketeering to hold my securities as leverage and deny me access. This is my last attempt at remedy before a federal claim is made against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: MI

Complaint narrative:
Acciunts were rejected on FTC report. I do not fall under the guidelines of any accounts listed being rejected to delete.

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 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company 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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
Credit Managment Company is harassing and trying to collect a Debt that is already paid. This account is Already prepaid and was paid to the bearer ( XXXX ). under the UCC 3-603 UCC 3-104 UCC 3-306 without recourse XXXX in the amount of XXXX to the XXXX XXXXXXXX XXXX XXXX XXXX. so double the amount was paid, by it already being prepaid that All Accounts are prepaid. CMC illegally obtained my Social security number without my consent in violation of 18 USC section 1028 ( buying and use of social security number ). XXXX sold my social security number to XXXX, without my consent. in which is a violation of 15 U.S.C section A section 2 states i have a right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is to complain against the Navy Federal Credit Union XXXX 
URGENCY : HIGH IMPORTANCE : HIGH [ WITHOUT PREJUDICE ] I would like to draw your attention to XXXX XXXX I sent my complaint letter to Navy Federal , in which I clearly stated how this scam has affected me personallyXXXX XXXX and financially. 
I am afraid I have had to go through so much " bureaucracy '' thus far in order to catch their attention to my concerns. This really doesn't show their complaints department in a good light, to say the least ; and certainly, does not contribute to my overall satisfaction and peace of mind. My complaint is against the bank that did not do its job properly ( could not prevent/foreseen fraud and could not conduct a proper investigation ) and not against the vulnerable customer who fell victim and lost all the savings due to the misconduct of the bank. 
I feel very distressed and cheated, all because no one took action immediately and practice their duty of care, therefore I only request what I believe to be rightfully mine, as all institutions were more than negligent in protecting my account and handling the complaints. I comprehensively provided explanations and proof to my claim, even so, Navy Federal never acknowledged my complaint, therefore, I have approached you CFPB and I would like to receive your assistance on this matter. 
General Obligation : Commencing on or about XXXX XXXX XXXX, I fell victim to XXXX multi-layered scam operations run by XXXX XXXX XXXX ( the Company ) which involved me making deposits for a total amount of XXXX USD from my Navy Federal account to fraudulent investment firm ( XXXX ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Navy Federal did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Navy Federals custodianship over my funds or by its control over them, they owed a fiduciary duty to me and if so, whether that duty was breached ;

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
On XX/XX/XXXX I reported fraud to Synchrony Bank. I filled out the form they requested I complete. I have written 2 letters continuing to object to the fraudulent charges. The charges occurred in states I have never been to with merchants I have never done business with. Synchrony has not sent me anything stating the results of their investigation, over 90 days have passed, and they are in violation of the Fair Debt Collection Practices Act. They continue to charge me for fraudulent charges. 

I asked the Colorado Attorney General for help, and they declined to provide any. 

PLEASE HELP!!!!

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 2023-10-11 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:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam, I have a Best Buy Visa Store Card which offers promotional purchases with zero interest rates which expires on a certain agreed upon date. 
There have been several times where the " automated '' system deliberately allocates payments towards higher balanced items rather than the next expiring promotional balance. 
To safe guard against this, I can not always rely on the billing statements which indicate how much I need to pay in total to avoid interest. 
Citibank which services Best Buy XXXX Store Card has a feature online where you can view exactly the amount owed on a specific promotional balance. 
This is greatly useful as it updates after a payment is made. 
Recently in the last four ( 4 ) to six ( 6 ) billing cycle this feature has been " offline ''. 
When I contacted customer support using their " messaging '' system they had failed to read the issue and copy pasted a generic response. 
When I called in I had to wait around an hour to get in touch with a representative who confirmed that the payments made paid off the promotional balances. 
I informed the representative that the feature which made this process easier has been " offline '' for several months which was concerning to me as a consumer ; especially when there is an automated allocation system which prefers paying off higher balanced promotions rather than the next expiring one. This is anti consumer is designed by Citibank to insure purchasers pay monthly expecting that the amounts go to the next balance but then when it is too late they find out that the allocation system did not do so and they end up paying Citbank interest when it could easily be avoided. 
The response I received from the Citibank 's messaging system was not only frustrating but also concerning. They have no concern of whether the customer 's issue was resolved ; instead they exist to enforce Citibank policy without knowing that Consumers have certain recourses when " Company policy '' is inherently anti consumer. 
I have attached the following as evidence : Best Buy XX/XX/2023 statement ( See Exhibit A ) Citibank Customer Service message ( See Exhibit B ) Citibank feature which is no longer operating ( See Exhibit C )

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 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Debois, Inc.
State: OH

Complaint narrative:
Ive had my car since XXXX my payments are set up on auto payments. Last Friday they didnt pull my payment out. Monday she called me and said they needed the payment. My bank information was giving at the beginning of my loan signing so I dont know why it wasnt pulled out around XXXX my car was repossessed. I called Tuesday morning they said I had to now pay {$1100.00} to get my car back. I am a XXXX XXXX XXXX just had XXXX at the end of XXXX and had a financial change. This is my first time missing a payment well not missed because its still in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Stewart Information Services
State: LA

Complaint narrative:
I recently went over amounts of different fees on mortgage statement ; by hand. What I discovered was deliberate fraud, misleading information, accounts added claiming we signed for other loans and amounts ( these same accounts were paid off by us before we went to closing ). 
The discrepancies that are on the loan are very deliberate and there is no way for these amounts to have been mistaken. 
We were charged XXXX  of dollars more than what we should have been. 
I have contacted the title company ( that originally did our loan paperwork and have been given the run around by this company as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: ME

Complaint narrative:
My issue is with discover collections, they are repeatedly calling me up to 5 times a day. I am being harassed and called constantly in XXXX minute intervals from discover, an agent, and repeated calls from numbers that hang up immediately when answered. I am being called late at night after XXXX XXXX and sometimes in the early morning. This is excessive and harassment and is causing myself and my family emotional distress. They are calling my relatives even after I have repeatedly asked them to contact by mail with proof of debt and charges. I only receive statements in the mails nothing else. I have attached screenshots of my most recent calls to show as an example.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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