vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 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:
I have requested my loan service provider ( edfinancial ) to refund a payment of {$10000.00} I made during the pandemic because I qualify for the {$20000.00} loan forgiveness outlined by President Biden 's student loan forgiveness program. I requested this refund on XX/XX/2022. Edfinancial said it will take up to 6 months for my refund to be processed. I never received confirmation that this refund request has been initiated, nor clarity on why the timeline is very long to process this refund ; I see no activity recorded from their end on my edfinancial account of me submitting this refund request. I have called twice asking for a confirmation email to be sent to me that states edifinancial has received my refund request, and clarity around : 1 ) why it would take 6 months for this refund request to be reflected on my account since other service loan providers have a much shorter time frame for processing and have been able to reimburse people much faster 2 ) why edfinancial is providing inconsistent timelines to different people ( I have peers who have been told they would receive it within 180 days versus 6 months for me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
Fees There were fees for everything! I had my account for over 20 years with Regions. Then all these fees started, for everything from not enough money in my account, to direct deposit, I had to have my check direct deposit to avoid these fees! Then they started a fee of {$5.00} for everything! Every month I was calling about the {$5.00} they had changed me for no direct deposit!!! My check went in every month I got it! 
This is Regions Bank!!! I no longer have them because they continued to take {$5.00} every month for ( XXXX ), no direct deposit!!!! Now that is what they said! I got fed up because I had to call every time I got my bank statement!

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 

XXXX. Verify This invalidated account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: WI

Complaint narrative:
I am a victim of identity theft and the creditors below has fraudulent accounts on my credit profile that needs to be remove immediately ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX is reporting incomplete data on my credit report. The account type is missing and should be coded as a medical bill.

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 2022-10-03 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2021, I paid VYSTAR XXXX  the entire balance alleged due of {$240.00} on the account they charged off a few months after they denied my dispute of purchases in regard. I never received services for one of the transactions relating to incorporating my business with the state of Florida. The other transaction, I agreed, belonged to me after careful research. The state denied my filing request to form an XXXX from XXXX because I filed incorrectly. I disputed with Vystar XXXX providing proof the state of Florida did not create my XXXX  as requested even though they debited my payment account. Regretfully, I could not reach anyone by phone in the business services division attributed to the COVID pandemic. Today I never received a response. As a result, Vystar closed my account and labeled it a chargeoff. Though I disagreed with Vystars ' decision to deny my request, I decided to pay them the alleged amount owed. After all, they were kind enough to offer me conditional credit as they investigated my claim. However, XXXX and the three major credit bureaus report this as a chargeoff though I paid the entire balance. I was unaware of how conditional credits and disputes worked with the banks. Now, I have a better understanding as a XXXX XXXX XXXX XXXX employee. The credit reports show the account as " chargeoff '' and " paid, '' which has negatively impacted my ability to obtain adequate housing for myself and my family. The reporting is a bit confusing. Vystar charged it off a few months later ; however, I paid them in full. 

Vystar Credit Union : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX ( XXXX ) XXXX Account Number XXXX ( XXXX  # XXXX ), XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I deposited {$300.00} cash to my checking account at Chase Bank through the Chase bank ATM on XX/XX/22 at XXXX. The money deposited did not get to my checking account. I called Chase bank many times for my deposit that never got to my account but to no avail. I spoke with XXXX XXXX XXXXXXXX for Chase about the deposit, she said it will take 10 to 12 days to reflect on my account. I need my money to pay bills. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have not given written instructions for any late payments to be reported on my credit report. Any negative reporting without consent is fraud and a form of identity theft. 

15 USC 1681 section 602 A- states I have the right to privacy 15 USC 1666b - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Volvo Car Financial Services U.S., LLC
State: AZ

Complaint narrative:
I leased a new XXXX XXXX XXXX last year. I love the car ; however, I do not have any need for it anymore due to some life changes and working at home. We also have too many sedans in my household. When I looked at the lease no one other than Volvo or myself can end the lease with a payoff. I contacted 2 Volvo dealerships and Volvo of XXXX offered to but it out at {$39000.00} due to the car being too new to have a book value. There is a book value on the same car one year older with a range of XXXX, the loan payoff is XXXX according to them. I tried another volvo dealer, Volvo of XXXX and they stated they could not buy it out, I would have to buy it out myself, then sell it to them after that. 

This is patently absurd and while I did sign the contract this is placing the consumer in a unfair position. I can only sell the car to one place, that place knows that, and thus is not paying the value of the car properly. I only want to get bought out of the lease, the book value supports that, as does other 2022 XXXX XXXX 's for sale, but they refuse to help. 

The locking out of 3rd party payoffs is unfair and deceptive and is against the consumers intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My complaint is about the credit reporting agency Equifax. I wanted to change my mailing address as we are moving and are making advance preparations. It is IMPOSSIBLE to do this by either calling or going online to Equifax. If you call, they tell you to go online, and in a most rude and pretentious way. They tell you that is the ONLY way to change our address! When you go online, you have to file a dispute, A DISPUTE, in order to CHANGE YOUR MAILING address! Then, when you go to dispute, you have to choose from one of three reasons. 1 ) I never lived at this address, 2 ) This address belongs to another person with a similar name, or 3 ) I believe I am a victim of fraud or identity theft and this address is not mine. THESE ARE YOUR ONLY CHOICES! So, I picked # 2 as I had to choose something. I went on. You then have to load 2 forms of identity. One of the forms can be a utility bill from our new address, which I don't have because I am not AT my new address yet! So, I load 2 other forms of identity and hit FILE. It then errors out and in the end, you can't change your address anyway! NO WAY, NO HOW! Can't change my address. Mike drop.

This is absolutely intolerable! As one of the three credit reporting agencies, Equifax is a complete and total FAIL!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking over my credit report and noticed several inaccuracies throughout it. Several collection accounts which are inaccurately updating balances. I sent a dispute letter dated XX/XX/XXXX to all 3 credit bureaus, which are currently undergoing the dispute process. Experian keeps updating this account from XXXX XXXX XXXX for {$400.00} without proper investigation. I have also sent a letter to this company separately demanding them to valid this alleged debt.

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 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
I recently purchased my credit report as I am trying to prepare to purchase a home and notice this company reporting a supposed collection account from XXXX XXXX. I have never entered an agreement with Portfolio Recovery and do not owe them anything. I demand that they cease and desist communicating with me and provide proof that this alleged debt is valid. I demand to see the agreement between XXXX XXXX and portfolio giving them authority to collect this supposed debt. I also want a contract with my wet signature confirming I have a legal obligation to pay Portfolio. They can also include the contract with my wet signature showing an obligation to XXXX XXXX. I am entitled to know if they were any insurance claims made by the alleged creditor about this account and if there are any judgements regarding it. If so I demand to see sufficient proof of service. On top of this, XXXX is reporting all different information to the bureaus. I assure you my disputes were not resolved because I did not validate this alleged debt. XXXX XXXX allegedly charged this debt off and I have not received a 1099-C for their write off!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: RI

Complaint narrative:
There was a loan taken out in my name in XXXX, XXXX using an old address. At that time I was living in XXXX, California when this occurred. I had not lived at that address since XXXX. Furthermore, it looks like the loan was taken out electronically, and an IP search showed that it originated in XXXX XXXX, California. I have never lived in XXXX XXXX, CA. The company had been sending me emails, which I thought were phishing emails. After, the legal service I hired sent a letter to them, I was sent a collection letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX in me, and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 

In accordance with the fair credit reporting act, everything has to be % 100 accurate on my credit report and under 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end cosumer credit as late for ANY purpose.

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 2022-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ProCollect, Inc.
State: TX

Complaint narrative:
While XXXX late XXXX, I received an alert from XXXX saying that was a debt collection owed for an apartment. I instantly disputed the claim because I was XXXX and I have never applied to live in an apartment. I first contacted the apartment complex to get any information I could as directed from the XXXX Police department website for fraud claims. The manager informed me that they had no records for that due to the complex being bought out by another company. I asked if there was anyone they could reach out to from the previous company and I was told no. 
After that call, I proceeded to call Procollect and was told that they could not give me that information. That I would have to go through the police department or the apartment complex. 
After disputing this incident now three times online I then called the management again hoping for another answer. Still the same answer of no records. 
After returning home in XXXX of XXXX, I XXXX  the address from XXXX XXXX. After speaking with the manager and a rep, she informed me that they were bought out a second time and they do not have any records to give me. She said I should XXXX the name of the company before they were bought out and a number should be listed. 
I called as soon as I got in my car and it was then we discovered that the previous company had already merged their online websites and phone number with the new company. So basically I called the same two ladies that I had just spoken with in person.

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 2022-10-03 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: NY

Complaint narrative:
I am writing to ask that you assist with the deletion of all unauthorized inquiries, derogatory remarks, and closed accounts, also fraudulent items that I have found in my credit report. I have reached out to all 3 credit bureaus to report these items but have yet received any resolution. I sent the attached letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response to my request. Prior to my letter your office confirmed my identity with the attached documents and informed me that the information was returned to you verified. Upon receipt of your attached noticed, I kindly asked that you provided the method in which you used to verify the inaccurate information located in my credit file. I received a response from your office informing me that you believed I was not the individual making the request and would not investigate further after you had already been in correspondence with me on this matter. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it blatantly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from your credit report, it has been over 30 days so it should be removed immediately. The accounts that are being requested to be removed are as follows : XXXX. XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report.

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 2022-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called Truist on XX/XX/XXXX and talked with XXXX XXXX about flex modification on my mortgage. She advised me that I would go into forbearance for four months, after a three month trial period, Then she stated that my mortgage would be stretched out for 40 years and that the rate would go down a point ( currently XXXX - XXXX = XXXX ). I called Truist XX/XX/XXXX and was told that I successfully completed my trial, and that the modification to my loan is now 40 years and at the rate is XXXX. That has been my rate ever since I got the loan in XXXX. They told me that it would be dropped one point which would be XXXX. I called Truist and gave them dates, times and the people I talked to that verified loan would be modified to 40 years and drop a interest point. Truist said it will go through the recordings, and even if Im right that they still arent going to honor quoted rate. I had 3 different Truist representatives verify my rate would drop on phone calls prior to XX/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 explanation
Consumer complaint received 2022-10-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This was old and its paid off

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of my rights under 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 an account without my written instructions.

Company response to consumer: Closed with explanation