vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: OR

Complaint narrative:
Hello, I filed a complaint to get on SAVE plan and EdFinancial was able to FINALLY get me on the plan after repeated calls. I made my first student loan payment before my due date of XX/XX/23. I noticed that my interest kept accumulating and was not waived. I talked to a rep who didnt understand that interest rates should be waived on SAVE PLAN. I actually had to read the studentaid.gov website information to her regarding interest rates being waived on SAVE. Asked for a supervisor who said that the interest would be waived after my due date of XX/XX/23. The due date came and went and my account has been accruing interest like crazy. It has not been waived AT ALL. I called again and another representative agreed that the interest rate should have been waived and my balance should be lowered than what it shows. She said it will go to their account department. I havent heard back and every day my interest accrues and my balance keeps growing. Im 100000 % certain that EdFinancial is unlawful and frauding borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To date, Midland has provided several dates which are reaged for the alleged debts. Midland reported on XX/XX/XXXX with various dates with no validation of evidence to substantiate their deceptive actions. All the alleged debts are reaged to compromise the XXXX which expires since XX/XX/2023. There is no contract with Midland and who has been using my private information without my consent. 
" The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Dear Sir/Madam, I am writing to address a pressing concern regarding recurring internal fund transfers between my checking and savings accounts with Truist Bank . Despite my explicit cancellation from the Truist App, after my job departure due to relocation in XXXX, the system continued to facilitate these transfers without my authorization. This oversight led to the overdrawing of my account, resulting in subsequent fees, which has been a source of significant loss.

The interface of the bank 's application poses a significant challenge in distinguishing between transaction history and the actual running balance. To gain a clearer understanding of the situation, I conducted a thorough review of the account with the assistance of my fianc, a financial products operations analyst and manager, using her XXXX, which offered a clearer and more comprehensible view of the transactions than the mobile app does. 

Through this review, it became unmistakably clear that it was the internal transfers, and not outgoing transactions, that caused the account to become overdrawn, which was unclear to me previously. More importantly, despite having sufficient funds available to cover any point-of-sale purchases I made, Truist still charged me overdraft fees. It seems unreasonable to have incurred substantial fees due to these internal transfers, particularly when there was no adverse impact on the bank 's end. 

As a longstanding and loyal customer of several years, I am disappointed by the deceptive nature of these actions. I am taking this opportunity to initiate direct communication with Truist, with the hope of resolving this matter internally. Nevertheless, if the excessive charges arising from the erroneous internal transfers are not rectified promptly with a reversal of all the incurred fees, I will be compelled to escalate this issue through appropriate regulatory bodies, including but not limited to the XXXX FCC, SCC, FTC, FDIC, and CFPB. 

I urgently request immediate attention and a swift resolution to this matter to ensure a fair and just outcome. I would appreciate your prompt response and action to rectify this issue.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have not authorized the creation of these accounts and believe they are potentially fraudulent. Please review them and ensure they are promptly removed 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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The situation at hand is causing me considerable distress and affecting my sleep quality. I find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing. This has become a major source of XXXX for me, and I sincerely hope for a swift resolution.

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 2023-11-09 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove.

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 2023-11-09 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: TX

Complaint narrative:
I did not consent to authorize nor benefit from the following account ( s ). Block and remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: 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. 

Account Name XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name XXXX XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX has violated my rights. Or list of inquiries 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 2023-11-09 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. 

Account Name : XXXX XXXX : Account # : XXXX Account Name XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX XXXX XXXX  : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account # : XXXX Account Name : XXXX : Account XXXX : XXXX Account Name : XXXX XXXX  : Account # : XXXX has violated my rights. Or list of inquiries 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 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2. It states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-11-09 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: NJ

Complaint narrative:
I'm unsure about the reason, but I can confirm that this inquiry wasn't authorized by me and was carried out by the creditor without my consent! Immediate removal is indispensable.

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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I was at XXXX XXXX grocery store on XXXX and XXXX in XXXX, Washington. My debit cards for my business and personal accounts were stolen from me in the parking lot. I called Chase Bank to freeze my account/cards within minutes of this happening. When I got back to my office and pulled up my account information online, I discovered that {$3900.00} dollars had been withdrawn from my personal account. I called the bank again to report this. They stated to me that the withdrawal was made in person from a main branch ( not the one I use ). I provided them a police report and talked to them several times. Their investigation determined that it was " lack of care ''. They refused to return my stolen funds even trying to insinuate that I am careless with my PIN. I sent them a demand letter asking for a review and they have the police report. I have heard nothing back from them. 
There has been an increase in thefts here lately. The news has reported someone stealing debit cards and using a device of some kind to make a new PIN. I reported this right away, no one should have been able to walk into a branch and steal {$3900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2023 I dropped off my new equipment to be serviced to XXXXXXXX XXXX XXXX XXXX. There was a manufacturer defect which they promised to take care of since it was under warranty, equipment was purchased less than two weeks prior to this.

Equipment was fixed and I noticed that my Chas

e Visa debit card was charged {$3100.00} for the repairs. Since I was told that this will be covered under warranty, I was surprised so I gave him a call, and they promised to reimburse me the full amount.

About two weeks went by, and nothing happened about receiving the refund from XXXXXXXX XXXX XXXXXXXX XXXX. So I decided to call my bank Chase and open up a dispute. We disputed an amount of {$990.00} because it was what they thought it was fair due to labor cost, they said that parts cost will probably not be refunded since the work was performed. 

This was about XX/XX/XXXX. We did receive the {$990.00} from our dispute. However the vendor contacted us and told us that they were deducted XXXX from Chase and whether we had opened two different disputes, we said no we only open one dispute for XXXX. After speaking to Chase every day for almost 2 weeks trying to figure out where this extra {$1000.00} came from, they realize that they had erroneously done a chargeback of {$1000.00} to XXXXXXXX XXXX XXXXXXXX XXXX along with the {$990.00}. 

Weve been in contact with Chase for many weeks almost every day and been told that XXXX XXXX XXXXXXXX XXXX will be refunded their {$1000.00} by the end of XXXX and that the dispute was already resolved and it was in Visas hand to refund XXXX. Its now XXXX and they still have no idea where the {$1000.00}, Chase says that Visa has the money and visa says that we have to take it up with Chase. 

How this affects us is, XXXX XXXX XXXX XXXX has promised to refund the full amount of {$3100.00} however because they were overcharged by Chase with an erroneous 2nd dispute that came in as a chargeback, they can not refund us that remaining {$1000.00}. 

To summarize, weve only received {$2100.00} because the other {$1000.00} is in limbo waiting on visa to refund XXXXXXXX XXXX XXXXXXXX XXXX. So that XXXX  can refund us.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
Portfolio Recovery Associates LLC ( PRA ) has taken negative action against me by reporting false information to credit bureaus. PRA reports monthly terms of collection. This intentional deceit is to damage my credit. They have done so since XXXX and continue to do so in XXXX. 

As evidence, the first attachment Ive included is a PDF I saved from my credit report titled " XXXX Credit Report, PRA pages only. '' The area I draw attention to is " Terms 1 Month. '' Additionally, the Payment History section of the credit report validates the timeframe I specified above, XXXX. 

Its also important to note that according to XXXX, Terms in the credit report are defined as follows : The agreed upon amount of time to pay back the money borrowed. 
Ive included an attachment confirming this. 

To be clear, I do not have a monthly arrangement with PRA. I have never had a monthly arrangement with them. However, the arrangement I do have with PRA is an income tax refund/credit garnishment. I've included an attachment of the Request and Writ for Garnishment issued on XX/XX/XXXX as proof. Since income tax is refunded yearly, not monthly, its impossible for me to have monthly garnishment terms with PRA. Therefore, I can not have an agreement for monthly collections as PRA is reporting to credit bureaus.

In summary, PRA reported and continues to report fabricated information to credit bureaus to damage my credit. This is unacceptable and requires correction. I am filing this complaint in response to PRA violating the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I am writing to file a complaint against Capital One regarding a dispute I initiated under the Fair Credit Reporting Act ( FCRA ). The timeline of events is as follows : - On XX/XX/2023, I submitted my original dispute letter to Capital One. The dispute pertained to eleven late payments associated with a closed account. In my letter, I requested that Capital One remove these late payments unless proven to be accurate. 

- On XX/XX/2023, Capital One responded, asking for necessary information to properly investigate my dispute. I promptly provided the required information the following week. 

- The last correspondence I received from Capital One, dated XX/XX/2023, stated, " The Fair Credit Reporting Act requires us to report the account history accurately. We are unable to change our reporting on a courtesy basis. '' Notably, there was no written confirmation or explicit acknowledgment that Capital One had thoroughly investigated the late payments or verified the accuracy of the information. 
It's crucial to emphasize that my original dispute was not framed as a courtesy request but as a formal dispute under the FCRA. Capital One 's response appears to assume a courtesy basis, overlooking the legal obligation under U.S. Code 1681s-2 to conduct a reasonable investigation in response to a dispute and provide accurate information.

Moreover, the necessity of reaching out to Capital One multiple times to reiterate my requests is not only inconvenient but also extends the resolution timeline, causing undue stress and potential harm to my credit. This prolonged process raises concerns about the efficiency and fairness of Capital Ones dispute resolution procedures.

I believe there may be violations of U.S. Code and the FCRA in Capital Ones handling of this dispute, particularly regarding the lack of written confirmation, the assumption about the nature of my dispute, and the extended inconvenience caused by the need for repeated communication.

I kindly request the Consumer Financial Protection Bureau to investigate this matter and take appropriate action to ensure compliance with U.S. Code and the FCRA. Enclosed, please find copies of the relevant documents, including my original dispute, the response from Capital One, and any other supporting evidence.

Thank you for your attention to this matter. I appreciate your assistance in resolving this dispute.

Company response to consumer: Closed with explanation