vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
I have been trying for several weeks to get in touch with Ed Financial regarding my loan ( which first payment is due XX/XX/23 ) I have sent them messages and have also called with a wait time of 360 minutes several times. I entered my phone number to keep my place in line and have someone call me back and I only received one call back and when I answered they hung up. I have done this multiple times and have never received a call back since. I have some questions as I was supposed to have a grace period of 6 months after my son graduated ( graduated in XXXX ) which should make my first payment due in XXXX not XXXX. I have completed an application for direct consolidation of my loans. I have not hear anything back on my application. 

While typing this I just received a call from Ed Financial at XXXX XXXX I answered the call and said hello and nobody said anything and then I was disconnected. 

I have read several reviews with the same complaints from people stating they have not received any calls back from Ed Financial. 

I have questions as I am new to the student loan process and the lack of communication with Ed Financial is discomforting. 

Something needs to be done in order for people to obtain the answers they are looking for. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX has violated my rights.

15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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:
XXXX XXXX, XXXX XXXX To whom it may concern, Ive already sent letters and spoke with the creditors asking them to remove these late payments with the dates as follows ( XXXX & XXXX ) and they have not abided by what I have requested. XXXX XXXX XXXX XXXX have also violated my consumer law because they never gave me the option to opt out from reporting this information to a third party. 
The law 15 U.S CODE 6802 B Obligations with Respect to Disclosures of Personal Information states ; except as otherwise provided in this sub chapter a financial institution may not directly or through any affiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with Section 6803 of this title. 


I demand these two late payments removed! 
Thank you. 
XXXX Creditor : XXXX XXXX XXXX XXXX  ACCOUNT number : 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 2023-09-18 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: DC

Complaint narrative:
In XXXX of XXXX I filed my IDR ( Income Drive Repayment ) renewal even though my loans were in Federal deferral. On XX/XX/XXXX, I received a bill from EDFinancial that was not based on my IDR income, it appeared EDFinancial did not process the previous years IDR renewal application because the loans were in deferral because my new IDR renewal is not until XXXX, EDFinancial is charging me based on income over 2 years old due to their failure to follow IDR Renewal Guidelines. 

On XX/XX/XXXX I sent a message through their website : https : //customercareform.edfinancial.com/ it stated I would receive a response in 4-5 business days ; as of XX/XX/XXXX I have not received a response from EDFinancial to properly process my IDR applications. 

I attempted to chat with EDFinancial today only to have their chat crash stating it could not connect me. I tried calling EDFinancial and EDFinancial is not properly staffed to handle phone calls as the wait time at XXXX was 428 minutes or 7 hours and 8 minutes to speak to a representative.

So not only is EDFinancial trying to overcharge Student Loan consumers they have made it impossible to resolve the issues by not responding to customer contact forms and having wait times of over 7 hours to reach a customer service agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SF VAGO, LLC
State: AL

Complaint narrative:
State Farm Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX XXXXXXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. State farm did not have right on Car title because XXXX XXXX had the car title. So state Farm is report incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is a follow-up to my earlier communication about the following item ( s ) being reported on the credit file listed under my name and Social Security Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested multiple times that you verify the accuracy of the information reported by this furnisher. You stated the account information was verified. I then specifically requested additional information about the Method of Verification used. You are required to respond within 15 days. You FAILED to do so in a timely and responsive manner and are in violation of federal regulations. 

Because you are in violation, this account must be removed from my credit file. Please send me an updated credit report with the information removed. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX, I opened a savings account with Citizens and deposited {$2000.00} from my XXXX account. Later the same day, I could not access my account and the customer service representative said they closed my account and the money will be returned in 2-3 business days. XXXX posted the transaction the next day so I know the money went through. It has been longer than 2-3 days and I still havent had my money returned back to my original XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is not accurate. 
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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
The bank forced me to sign a W9 ( internal revenue service form insteab of a W8 BEN ). In order to open the checking account, which made me a U.S. Person instead of the Non-Resident Alien Individual ( NRA ) that I am, for their own financial gain 53rd bank put my new checking account number in Box 7 of the W9 ( which made the account " NOT '' Exempt from wihholding, therefore withholding my {$490000.00} dividend payment in order for 53rd bank to steal and claim my interest and dividend payment for themselves. 53rd bank prefilled out the W9 and told me if I did not sign it, I could not open the checking account, while along knowning that the W9 form they asked me to sign was false and incorrect, and 53rd refused to give me a W8 BEN to sign. The Internal Revenue Website state 's, " Do Not Fill Out a W9, fill out a W8 Ben instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Global Lending Services LLC
State: NJ

Complaint narrative:
As I partially mentioned in my previous complaint, XX/XX/XXXX I decided to do split payment option for my monthly car payment and the agent assured me the split payment would go to my monthly AS I KEPT STRESSING TO HER that I wanted it for my monthly payments. XX/XX/XXXX I called to try to pay ahead for the month of XXXX and was told that half my payment went to the miscellaneous fees that I REPEATEDLY told the agent I did not want. I was told by the agent that they would put a ticket in to correct it. I then went ahead to ask the agent if I could pay ahead for XXXX and ONLY XXXX while they extract the missing {$270.00} and place it back to the month of XXXX. The agent ( male this time ) told me that I could pay AHEAD for XXXX. Once doing so I've called periodically since because I do not want any issues surrounding the XXXX payment. I was given ( as with the title situation ) many stories of people placing tickets then being told someone did not complete the request to move the money from the fees ( which should NEVER have happened ) back to its intended purpose of paying for the month of XXXX. I called again and was informed the {$540.00} I payed for XXXX was used for XXXX. SO WHERE IS THE XXXX TOTAL FROM XXXX?? XX/XX/XXXX is in 2 days!! I've been doing my due diligence in keeping contact with you guys. Please correct this it's It's been nothing but hardships dealing with global lending service agents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SOUTHSTATE BANK CORPORATION
State: VA

Complaint narrative:
On XX/XX/2023, opened a checking account in response to an offer with {$200.00} bonus for meeting requirements of having monthly cumulative deposits of {$250.00} AND completing 15 debit card transactions within the first 60 days. Further terms indicated that upon these requirements being met within 60 days, the bonus would be paid within 2 business days. Having completed direct deposits on XX/XX/23, XX/XX/23, and XX/XX/23 and completing the 15 debit card purchases on XX/XX/23, all requirements were met on or before the 60th day of XX/XX/2023. However, to date, now the third business day since the 60 day opening period, I have not received the advertised bonus. 

Moreover, in connection with opening the account, two XXXX XXXX inquires were placed on my file, indicating one seemingly being a duplicate. Despite disputing, South State Bank provided information to XXXX XXXX that indicated both as valid, when in fact only one is valid in connection with this account opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian did not properly investigate my claim. I attempted to call Experian and their computer automated system is programmed to ONLY provide self-service options that the system can handle. They have a responsibility to take and answer phone calls from the consumer population. I have two accounts with XXXX on my credit file. I informed Experian they were being reported incorrectly and have been for years. XXXX properly investigated my claim and as a result deleted these items from my credit file. I provided Experian proof of this deletion. This account has been reporting a balanced owed, a monthly past due amount, and that is been charged off seven years ago. I filed a complaint with Experian and the only thing they updated was changing my balanced owed to XXXX. However in the account status notes is still reports monthly the total amount past due. This is incorrect. There is no past due amount. It was charged-off in XX/XX/2017. These accounts are set to drop from my credit file next month. Therefore I do not understand why Experian isn't properly processing my investigation request. Refusing to accept calls and continuing to report this incorrectly.

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 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: OH

Complaint narrative:
I sent a letter to Amsher collection services on XX/XX/2023 asking for verification of the company such as their licensure and how do they know that I owe said amount to XXXX. I have not heard anything from the company as of yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
XXXX XXXX Bank is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXX is report incorrect information

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 2023-09-18 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: AL

Complaint narrative:
XXXX XXXXXXXX XXXX is reporting inaccurate information on my credit profile. They are reporting My XXXXXXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a Car accident. XXXX XXXX did not have right on Car title because XXXX XXXX had the car title. So XXXX XXXXXXXX is report incorrect information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: AL

Complaint narrative:
XXXX XXXX XXXX  is reporting inaccurate information on my credit profile. They are reporting My XXXX XXXX  XXXX as a repo. Which is totally incorrect. The car was never repoed. I received Car title in Hand. I am no longer in possession of the car as of XXXX, XXXX due to it be totalled in a XXXX XXXX. XXXX XXXX  did not have right on Car title because XXXX XXXX had the car title. So state XXXX is report incorrect information

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 2023-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX Subject : Request for Updated Payment Amount or Refund Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention a significant issue regarding multiple car payments totaling {$5000.00} that were made through my XXXX XXXX account to USA Auto Sales. Unfortunately, when the company went bankrupt and was subsequently sold to Westlake Portfolio Management, the payments were not transferred, and I am now facing uncertainty regarding the status of these payments. 

Beginning on XX/XX/2022, I diligently made several payments to USA Auto Sales for the purchase of a vehicle. These payments, totaling {$5000.00}, were made as per the agreed-upon terms and conditions of the financing agreement. However, due to the unexpected bankruptcy and subsequent sale of the company to Westlake Portfolio Management, the responsibility for managing and allocating these payments has now shifted. 

Despite my attempts to contact Westlake Portfolio Management regarding the transfer of these payments, I have not received any satisfactory response or resolution. This lack of communication and transparency is causing significant concern and financial uncertainty for me. As a responsible consumer, I believe it is my right to receive accurate information about my financial obligations and to ensure that my payments are properly allocated. 

In light of these circumstances, I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter. I kindly request that the Bureau investigates this issue thoroughly and takes the necessary steps to provide me with an updated payment amount or, if deemed appropriate, facilitate a refund for the {$5000.00} paid. 

I have attached all relevant documentation, including proof of payments made from XX/XX/2022, onwards, as well as any correspondence with Westlake Portfolio Management. I trust that these documents will assist the Bureau in understanding the urgency and importance of this matter. 

I sincerely appreciate your attention to this issue and kindly request a prompt resolution. Should you require any additional information or have any questions, please do not hesitate to contact me directly at the provided contact details. 

Thank you for your time and assistance. I look forward to a positive outcome. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation