vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-01 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
Beginning in XXXX, I entered inro a lease with GM Financial for a XXXX XXXX XXXX. In XXXX Covid hit the US and I started having difficulty making my payments of approx. {$590.00} monthly. I got GM to work with me to try to resolve the problem, and an individual named XXXX XXXX began wo work with us ( my wife. GM continously threatened me with repossession or charge-off of the vehicle. We are both senior citizens with health issues. The car is all we have for medical, food, pharmacy etc. Our family ( XXXX sons ) is assisting us with the payments, but they too have responsibilities. They wanted {$1100.00} by XX/XX/XXXX or there will be a charge-off. They simply stopped trying to help once they felt no one was " watching '' them. XXXX XXXX states to my wife since she did not contact her during the month of XXXX, there would be a charge off. We didn't call and there would be a charge off? We are both ill and our income has dwindled since XXXX. By no means are we trying to avoid payment. Our previous record with GM Financial can attest to that ( from XXXX until XXXX ). All we want is time to respond with the required payments, and stop threatening me with reposession or charge off. I am sure they will come back with the record of payment or some such thing, but we were very good customers with GM and we are not asking for a hand out, but a hand up. Can you please help? This is an urgent matter ; we want to work this out, and we don't want our car repossessed. We are so close to the end of the contract, and we want this to work. HELP! 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: AES/PHEAA
State: CT

Complaint narrative:
In XXXX I paid off my Federal Loan in full they sent me a letter saying the account is paid in full. Now im checking my credit report and they are saying that i owe over XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 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: MN

Complaint narrative:
I was transferred over to EdFinancial some time in XXXX after being with XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I made a payment of {$10000.00} dollars to XXXX in the summer of XXXX during the loan freeze. EdFinancial has no history of this payment and instead are just now requesting my payment history from XXXX. They said this process would take 60 business days, when I feel as if they should've gotten my payment history beforehand when my account was transferred to them. 
The entire purpose of getting my payment history is to be able to get a refund as is written into the CARES act and credit that to my balance instead. They quoted me another 150 business days to get the refund processed. It seems as if this timeline is far too long and might even occur after the debt relief is credited to my account. Other loan servicers are quoting 4-6 weeks which seems much more reasonable with some even getting the process done in a week. One key point of this quote is the fact that the refund is set to occur after the the payment/interest freeze is lifted meaning that the loan will be able to accrue interest once refunded. I'm not sure if this is their reasoning behind the long quotes but it definitely seems like a possibility from where I'm standing. 
The company doesn't send e-mails or any other type of confirmation to assure you that they've actually submitted your requests, rather forcing you to contact them to confirm. There have been quite a few cases where upon this contact the loan recipient finds out EdFinancial has no such request on record. All this uncertainty has caused me quite a bit of stress as well as frustration wishing I'd had any other servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: PA

Complaint narrative:
To whom it may concern, I received a call from a collection agency called XXXX XXXX regarding a credit card ending in XXXX with the U.S. Bank National Association for a charg eof XXXX in XXXX of XXXX. I do not own that credit card and never have. The card was used in XXXX XXXX XXXX. I live in XXXX, XXXX. I told the collection agent that she was trying to collect on a card that was fraudulently open in my name. I LATER received a letter from XXXX XXXX with instructions to call US Bank XXXX XXXX XXXX at XXXX with a file number and have not heard back. Please assist me with ggis as I have excellent credit and I am concerned about repercussions.

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 2022-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: CA

Complaint narrative:
I requested American Financial to drop my PMI and they responded with email instructions- for me to either send check for {$100.00} for a BPO appraisal or a check for {$320.00} for a full appraisal. I followed the instructions precisely and mailed a check for {$320.00} along with a letter requesting the full appraisal as well as the email request with the full appraisal instructions highlighted. 
They cashed my check for {$320.00} and I received a call from an appraiser that he is coming to do a XXXX appraisal. This is not what I requested or paid for. I called American Financial to resolve the issue and was told they offer no phone support. They sent an email which could take up to XXXX for a reply. I would like to speak with someone as soon as possible to resolve the error. And I would like them to schedule a full appraisal ( as requested and paid for ) immediately. 

I would also like to note that I have so many problems with American Financial. They never pay my homeowners insurance correctly or on time. I have to call them constantly to fix mistakes and their customer service is awful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am disputing fraudulent accounts on my credit report. This accounts were opened in XXXX  when the Equifax breach occured. I've been contacting the 3 credit bureaus monthly trying to get a resolution but XXXX refuses to reinvestigate and Equifax and XXXX continues to update the account without providing anything contract bearing my signature. I'm requesting that these accounts be deleted from my credit report within the next 4 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
Accounts were paid off and still shows a balance. Also closed accounts that were paid are still showing delinquent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX AV XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00}

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 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX  XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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: KY

Complaint narrative:
On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Biden 's Loan Forgiveness. I saw on the XXXX XXXX XXXX website that we were able to request a refund on payments made throughout the payment pause that started in XXXX due to Covid laws/orders from the federal government. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days and could even take much longer than that. 

I was a XXXX XXXXXXXX recipient and will therefore eligible for {$20000.00} in forgiveness. Throughout the pandemic I paid well over {$20000.00} in payments. Due to that I requested a refund of my final 4 payments which total just over {$20000.00} at {$20000.00}. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXXXXXX XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. What's worrying to me is that the application for forgiveness starts in XXXX and edfinancial won't be processing any of these in time for us to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but it's very concerning to me that they're saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other people 's loan providers reinstating their balance after requesting it just XXXX hours later makes me very concerned that this company is not working in my best interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL 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 non-monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX Balance : {$1100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} ; XXXX XXXXXXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$680.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$820.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed/Reported : XX/XX/2018 XXXX XXXX XXXX  Bankruptcy : XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; U.S. Bankruptcy Court XXXX XXXX  bankruptcy XXXX Reference # : XXXX Date Filed/Reported : XX/XX/2018 ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, IL XXXX; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01 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 have sent multiple letters to them about this hard inquiry I haven't made ive send everything they asked me to send via mail and fax I still got a proper 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 2022-09-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased tickets to a XXXX XXXX concert from a user on XXXX ( username is @ XXXX ). They initially sent me a screenshot of official tickets/seating chart but not the actual tickets. After conversing, we agreed on me sending an initial {$50.00} deposit to secure the tickets and then send the remaining {$490.00}, since the 2 tickets came to {$540.00} in total. This XXXX user ( who went by XXXX but was listed on XXXX as XXXX XXXX XXXX, continuously asked me to send proof of instant payment however she would not send the tickets to me. She made every excuse, including creating a fake letter from XXXX saying that the only way tickets can be distributed to me is if I sent another {$200.00}, which is completely false since ticket transfers are free. I then realized I was scammed. Once I told the XXXX user that my bank will be getting involved and for her to at least send my money back, she then blocked me on XXXX and essentially took my money. 
On XX/XX/XXXX, I went to my local TD bank branch and opened a dispute case regarding the scam. I also filed a police report on XX/XX/XXXX. Because the bank denied my dispute request, I refiled my claim on XX/XX/XXXX and sent the police report. 
Although I voluntarily sent payment to this user via XXXX, I still believe this is fraud due to the misleading information and one-sided transaction. ( I attached the police report as well as our conversation via XXXX direct message )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
I applied for a {$25000.00} cash loan with Region Bank on Tuesday, XX/XX/XXXX and was approved instantly by region system. I had been given an interest rate of 9.4 %, term of the loan and a monthly payment. I electronically sign the loan and was told to come in the next day or so to retrieve the money. The next day I received a call from the loan officer at the local branch located in XXXX, XXXX XXXX that an underwriter wanted me to submit recent check stubs and a copy of my W-2 forms. ( I really felt violated because the system had already verified this information and approved me ). So after violating my personal information and having me submit it to the local branch I was informed that I could have only {$14000.00} and I must use the {$14000.00} to pay off loans of their choosing. Therefore leaving me with nothing. To let it be known, I had a credit score of approximately XXXX and have always paid on time and have nothing derogatory on my credit. I feel as if this inquiry on my credit has a negative effect. Also I had to apply to another bank and receive a higher interest rate of 17.3 % and higher monthly payment. I was told that my interest rate was higher because I had just had Region inquiry which impacted my credit score significantly. I would like for the inquiry from Region to be removed from my credit report or give me the money I was approved for to pay off the higher percentage loan. Also, I feel discriminated and disrespected by this local branch in which I have known other races to receive loans and dont nearly have the credit worthiness I possess. It has been reported in this local town that XXXX information is shared throughout the banks as a form to keep them oppressed and prevent them from owning business. I tend to know this to be reasonable so from previous attempts to purchase property. I will appreciate any suggestions or assistance you can offer. My credit score is damage from this incident.

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