vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: OH

Complaint narrative:
Ahead of repayment resuming in XXXX, I applied for a SAVE plan for my loans in XXXX which estimated that my repayment would be around {$300.00}. Edfinancial denied my application at that time " because my loan was not in repayment, '' and I had to hunt the correspondence that informed me of that decision down on their website ( which took some digging because they didn't inform me of that decision via email or anything at all ). I was only trying to get ahead of payments prior to them resuming. When they posted my payment in XXXX, they made the payment due by XX/XX/XXXX and the amount was roughly {$2400.00}. I immediately reached out to Edfinancial and also resubmitted my SAVE application ( again estimating that my repayment would be around {$300.00} ) because I would not be able to afford that payment. I inquired about why my payment was due in XXXX when repayment was supposed to begin in XXXX as well. The company did not reach back out to me until XX/XX/XXXX when they called to inform me that the application that I submitted in XXXX had been denied. The company had no idea that I had already re-submitted the application AND by that time, they had already posted payment due in XXXX, so the total payment that they were requesting from me was roughly {$4800.00}. The nice woman on the phone suggested that I just wait the application out since not paying will not affect my credit for the first year, which was nice to know, but not helpful in addressing the situation. When someone finally responded to my inquiry about payment resuming prior to XXXX, Edfinancial had already sent me an 11 day delinquency notice and adjusted the due dates to reflect payment due by XX/XX/XXXX and XX/XX/XXXX respectively. 

When they finally processed my SAVE application ( which they never told me anything about ), my account reflected that I would owe nothing for XXXX or XXXX. Except now, they're requesting that I pay {$2200.00} by XX/XX/XXXX when my SAVE application on XXXX says that I should be paying {$210.00}. This is a major discrepancy ibn payment that I can not afford with no correspondence from Edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2023-11-17 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: OH

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, XXXX XXXX Equifax is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXX Cancellation of Debt. XXXX, XXXX, Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
Consumer adjustment has not resolved this matter. They put my account in dispute status 3 months ago but never furnished any proof of the debt. I do not owe this debt to my knowledge and have also filed a ftc claim against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I am a Bank of America customer I went to the Bank of America ATM drive-through to deposit cash through the ATM as I was depositing my rent. The ATM froze. I called the number on the ATM to let them now they froze and I already put in {$980.00} it was not credited to my account. No one could help me inside of the bank, I had to call the number back. They said they would start a claim its too its three days later my money has not been credited to my account. No one is doing anything outside of giving me a claim number and telling me that its going to be an ongoing investigation. I deposit the same amount of money into my account every month to pay my rent, now I am facing an invention where I will have to leave my home by Monday the bank is not doing anything for me. I am being robbed by Bank of America and me and my XXXX children are going to be homeless. No one is doing anything. Its {$980.00}. They shut the machine down. I just went by there yesterday its back up and running and I still havent been credited my money.

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 2023-11-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
Yesterday, XX/XX/2023, COLUMBIA DEBT RECOVERY LLC DBA GENESIS attempted to collect a debt on me that they likely know is not valid. Despite me clearly explaining why the debt is not valid, their representative threaten to send this bad to credit reporting agencies to hurt my credit score. 

I have previously submitted a CFPB complaint against the original creditor regarding this matter, Complaint Number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: TN

Complaint narrative:
In response to a recent complaint regarding XXXX XXXX transactions, XXXX XXXX XXXX stated the issue lied with the US Bank checking account used to make payments. Their response ( attached ) stated repeatedly to reach out to US Bank, as the error is on their end. Their response is incorrect, as a representative identified the error from their side, but US Bank has refused to provide information corroborating this. On XX/XX/2023, I received several emails from XXXX XXXX XXXX XXXX stating that payments had been returned. These payments had been made on 4 dates ranging from XXXX through XXXX for the following amounts : $ XXXX $ XXXX $ XXXX {$850.00}. After calling XXXX XXXX, I was told their system showed that US Bank had requested these payments be returned. At no point did I request the returns. Upon checking payments to XXXX XXXX were posted and available credit reflected those payments as being received, but the amounts did not leave the checking account, nor were they returned on XX/XX/XXXX. Attached XXXX XXXX statements will show successful payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( x2 ). However, attached US Bank statements from the corresponding checking account will show that those payments were not reflected. After several hours on a call with XXXX XXXX, a representative did identify an error caused by XXXX XXXX, and requested confirmation from US Bank that it did not request returns on said payments. I have been unable to receive any information from US Bank other than being told to " See statements '' as they show US Bank/myself did not request returns, but this provides no detail for XXXX XXXX offices . XXXX XXXX refuses to rectify credit bureau reporting errors caused by this until they have confirmation that US Bank did not request those payments be returned. Any information US Bank can provide regarding this checking account 's interaction with the XXXX XXXX related to these payments would be appreciated, as I have received no details after multiple attempts. Attached are corresponding US Bank/XXXX XXXX statements , as well as XXXX XXXX response to the CFPB

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Back on XX/XX/2023, I received an overdraft letter from Capital One 360 stating there wasn't enough money available in my account to cover the payment. Copy of letter included in document attached. The check was to cover by electric, water and trash collection for the month of {$170.00} with my town of XXXX XXXX  also attached. I wound up paying a agreed upon {$30.00} charge, as indicated in my document. 

The issue at hand is that on my call to Capital One 360 on XX/XX/2023 first by a customer service Representative that I no longer had the {$1000.00} overdraft. I explained that I had never received any notice that it had been canceled. I then asked for her supervisor. A lady by the first name of XXXX came on she said she was part of the Management team to help me. I explained once again that I had never received any notice of cancelation. She said it would have been by e mail not first-class letter. I said repeatedly I never received either to the best of my knowledge and you should reimburse me for the {$30.00}. They could not even give me date of the e mail just no transparency. Sure, my error in not having the full {$170.00} in my account. It's not fair. The only other time I have had an overdraft in my life is 9 years ago when I was in the hospital for one week and by overdraft was covered at that time. I take my bills seriously I have XXXX credit score with XXXX XXXX, I'm not a dead beat. A large banking company should at least tell me with proof I had gotten notice of this cancelation. I'm my humble opinion at least send letter of cancellationnot in an e mail which like I said I had no record of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXXXXXX  I made a request to my service provider, Nelnet, to request a refund for the payments I made during the COVID forbearance. I was told it could take up to 90 days. I had found out I qualify for PSLF and getting the refund prior to XX/XX/XXXX would allow me to consolidate the student loans and apply for an income driven repayment program and one time IDR waiver/adjustment. However, after speaking with Nelnet on XX/XX/XXXX, the service representative informed me that it could take up to a year for them to process the refund, the accounting department has no timeline for when it will be done, and if it is not processed until XXXX, it wouldnt be subject to the one time adjustment and I would have to take that up with the department of education. The amount they owe me is XXXX XXXX Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: NC

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 explanation
Consumer complaint received 2023-11-17 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-17 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: NY

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

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 2023-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
For context, I XXXX XXXX XXXX XXXX XXXX  XX/XX/2023. I have called EdFinancial representatives on a monthly basis starting in XX/XX/2023 regarding my federal student loans payments. I applied for the REPAYE income driven repayment plan ( IDR ) plan in XX/XX/2023 and all my loans have been under the REPAYE IDR plan since XX/XX/2023. In XXXX, I applied to the new SAVE plan and I believe I was approved in XX/XX/2023. 

When I spoke to a representative in XX/XX/2023, I was told that given that I made an annual income of {$0.00} in the prior fiscal year, my loan payments for the following 12 months starting with the first payment in XX/XX/2023 should be {$0.00}. At that time, this representative obtained my information over the phone to manual re-apply for the SAVE plan given my income of {$0.00} in the previous fiscal year. This same representative also emphasized to me that the estimated payment based on my previous annual gross income should be {$0.00}. She informed me although my account showed that my first loan payment of {$300.00} was due on XX/XX/2023, she stated that this new application for the SAVE plan ( reflecting last year 's {$0.00} income ) would take 21 days to take effect and reflect on my account and that I would not have to worry about the payment due on XX/XX/2023. I patiently waited 21 days. However, now in this month of XXXX, I have a {$300.00} past due payment with no adjustments made to my account. On top of this, my next payment due on XX/XX/2023 appears to have increased to {$610.00}. 

Today on XX/XX/2023, I have called EdFinancial again to clarify my loan payments which are under the SAVE plan. Today, I was told over the phone that the application for SAVE that I completed with the representative on XX/XX/2023 was approved. When I tried to clarify why my current payments do not reflect last year 's income, I was told that my payments should reflect this year 's income. At this point, I am not quite sure if the representatives are intentionally deceiving borrowers to force borrowers to make payments that are higher than necessary OR if the representatives have a poor understanding of the various loan plans and payments. Either way, EdFinancial is engaging in unacceptable practices and is taking advantage of students who are new to loan payments and who do not have the financial means to seek second opinions.

Overall, my experience with EdFinancial has been terrible. Their representatives are constantly changing the information that they provide their consumers. I have been having the same issues for months and I have yet to speak to a representative who can address my questions clearly and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On at least six occasions this year, I have attempted to lift the temporary freeze on my account, encountering consistent difficulties due to inaccurate information that TransUnion has recorded. The security questions posed for unfreezing purposes bear no relevance to my personal details, encompassing erroneous data ranging from previous phone numbers and addresses to unfamiliar individuals. Despite numerous calls to rectify these issues, the impediments persist each time I endeavor to unfreeze my report, resulting in multiple instances where I've been denied credit. This has adversely affected my applications with XXXX five or six times and with XXXX XXXX on several occasions. 

My most recent contact with TransUnion occurred on Saturday, XXXX, where, as expected, I encountered challenges answering the security questions. Consequently, I requested the intervention of a supervisor, who was able to verify my identity. She assured me that the freeze would be temporarily lifted, allowing me to manage it independently moving forward. 

However, on XXXX, when I applied for credit once again, I faced a recurrence of the same issue. The online system indicated that it would send a code to my email, which, as usual, I did not receive. Regrettably, this has led to yet another missed opportunity in my credit application. It is imperative that TransUnion be held accountable for the profound impact these recurring issues have on individuals ' lives.

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