vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: OR

Complaint narrative:
I have been attempting to contact EdFinancial Services regarding my student loans for the past month and a half ( started calling end of XX/XX/2023 ) and every time I have been told that the wait time is over 200 minutes but that I would receive a call back at the number I provided. I have called at least 10 times but never once did I receive a call back where I was able to speak with a customer service representative to get my questions answered and problems resolved. I have only received 2 call backs but as soon as I picked up ( after my phone rang once ), the call was disconnected. My most recent attempt to call was on XX/XX/XXXX at XXXX ( Pacific Time ) and was told that the wait time is 110 minutes. EdFinancial Services shows online that its hours of operation on Tuesday is until XXXX EST, which is XXXX Pacific Time . It is currently XX/XX/XXXX and I have still not received a call back. 

I simply want to speak with a representative or manager to change 3 out of my 6 loans from " in school '' to " in repayment '' status so that those loans can be on the SAVE repayment plan. I have applied for the SAVE plan on the Federal Student Aid website and have uploaded the application and proof of income documents to my online account for EdFinancial Services. My colleagues who applied for the SAVE plan on the same day I did have already spoken with their loan servicer and are now on the SAVE plan. Meanwhile, with EdFinancial Services, there is no way for me to check the status online, nor has there been any form of communication with me. I have never had a loan servicer company where it is nearly impossible to reach any representative. I am extremely frustrated and would not choose EdFinancial Services if given the choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I checked my personal consumer report which I acquired from your organization and I noticed that there are unauthorized inquiries, inaccurate accounts and Personal information that's inaccurate and not placed not by me.

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 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
In XXXX of 2023 I received an email from Huntington bank stating if I opened a new perks checking account I would receive a $ XXXX dollar incentive ( depending on a few factors ) after setting up direct deposit. I was an existing account holder but did not have a perks account. I opened the account, set up direct deposit and never got the credit. I reached out to the branch on XX/XX/XXXX at XXXX and spoke to the banker who informed me my account definitely qualified and I would be getting the credit but not until 90 days after I set up direct deposit. I reached back out on XX/XX/XXXX as this is the date gave to me by the banker for the date I was getting my credit. I reached out at XXXX and was informed that I should be getting it any day and he had confirmed I definitely qualified. I reached back out on XX/XX/XXXX at XXXX and he informed me he was wrong on the date and I should be getting it the first week of XXXX. I called back on XX/XX/XXXX and he told me sometimes there is a day or two of delay and this was why I did not get it. At this time I felt I was being lied to or mislead and I reached out to the call center. After hours of being transferred back and forth and 2 more people advising me I DO qualify and that I would be getting it any day, I felt like the agents were guessing answers. I asked for management. Management again told me I qualified but they couldn't give me exact dates so I asked for someone higher up. When I spoke to someone higher up I was advised I NEVER qualified because I had a previous account ( even though i received the offer to my email that the existing account is under ) I disputed this as I had been told now at least 6 times I qualify. She said she was filing a compliant within the bank for the misinformation and I would get a call back. I never did. I called back on XX/XX/XXXX ( to the call center ) as I did not hear anything and I was told NOTHING was opened and no escalation took place. The agent I spoke to told me she was opening a complaint, gave me a reference number XXXX stating the customer advocacy team was going to handle my concern and I would be called back in 3 days. I got no call so I called back on XX/XX/XXXX and was told there was " nothing they could do '' and because the branch gave me wrong info I needed to call them. I called them on on XX/XX/XXXX and was told the banker who lied to me for months was " new '' and that was the excuse for the wrong info. I then was told he would escalate to his superior and received a call back 3 days later to be informed they couldn't help me. This is gross disregard for my time, breaking banking laws by lying to me and wrong for a business to do. I had transactions bounce and my account is now negative due to the lies I was told

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
I have been charged {$430.00} in NSF fees since XX/XX/XXXX. And much more going back years. I dont know where they came from or why Im being charged. My account will have money in it and then the bank just takes {$29.00}. On two occasions they charged three NSFs fees in one day. {$90.00} taken by my bank twice. No explanation or reason. I have no bills that come from this bank, as Ive been transitioning everything to XXXX due to the predatory practice Ive experience at Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Citizens Bank according to the XXXX XXXX  says i opened an account and overdraft but the time the account was opened and had those issues i wasn't living in that house i have no knowledge of that account and now i can't open a bank account and citizens let me open a bank account three months ago then closed it the account and tooky money i put down to open account and refuses to give me.any information even after i told them i never opened a account there

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -UPDATE TO CLAIM # XXXX -- -- -- -- -- -- -- -- -- -- -- -- -NOT A DUPLICATE -- -- -- -- -- -- -- -- -- - I AM THE ORIGINAL CARD HOLDER AND ORIGINAL CREDITOR ( see 15 USC 1691a Definitions BY CONGRESS ) I HAVE EXERCISED MY RIGHT TO CREDIT BEING A RIGHT GRANTED WITH WELLS FARGO FOR AN EXTENCION OF MY OWN CREDIT. WELLS FARGO HAS OBTAINED MY SOCIAL AKA CREDIT CARD ( ASSET/SECURITY ) AND HAS NOT GIVEN ME ANY BENEFIT IN RETURN THS IS A VIOLATION UNDER 15 USC 1644 FOR UNAUTHORIZED USE OF A CREDIT CARD. MY SOCIAL AKA CREDIT CARD IS USED FOR THE SOE PURPOSE OF EXTENDING CREDIT WITHIN THE BNAKING SYSTEM. IN MY CONSUMER CREDIT TRANSACTION WITH WELLS FARGO THEY HAVE OBTAINED MY CREDIT CARD AND APPLICATION ( NEGOTIABLE INSTRUMENT see UCC3-104a ) BUT HAVE DENIED ME MY OWN CREDIT THEY HAVE ALREADY RECEIVED MONEY FOR BY THE FINANCE CHARGE THERE FOR WELLS FARGO HAS DISCRIMINATED AGINST ME UNDER THE ECOA. -- -- -WELLS FARGO HAS COMMITTED SECURITIES FRAUD AND WILL RECIEVE A IRS AUDIT UNDER IRS FORM 3949a and IRS FORM 211 -- -- UNDER TILA SINCE MY RIGHT TO RECIND WAS NOT DISCLOSED TO ME AT THE POINT OF DISCRIMINATION THE DEAD LINE TO RECIND Is NOT 3 YEARS. I OFFICIALLY EXERCISE MY RIGHT TO RECIND AND DEMAND WELLS FARGO SEND BACK TO ME MY -- ORIGINAL CREDIT APPLICATION -- OR THEY WILL BE IN BREACH OF THEIR TRUTH IN LENDING REQUIREMENTS AND HEAVELY LIBALE FOR DAMAGES

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 2023-10-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
My medical insurence already paid that bill and the third party is trying to collect it from my person illigaly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 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: WA

Complaint narrative:
2nd request i am a victim of identity theft, please see attachments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I made an extra payment of {$480.00} in addition to the amount due on XX/XX/15 but it was evenly distributed across my loans when it should have gone to the loan with the highest interest. I have my account set up for " XXXX XXXX '' where the extra payment is applied to the loan with the higher interest rate but this didn't happen. 

So instead of the extra payment going to the principal of the loan with the largest interest rate ( like it supposed to ), which would save me on interest in the long run, it is spread amoung my loans not allowing me allowing me to benefit from interest savings. 

Additionally, my account is set up so that the extra payment doesn't advance my due date. Meaning, I should have a payment due on XX/XX/15 ( it should be the same amount as what was due in XXXX ) but they advanced my next due date to XX/XX/15. This is bad because my loans we still accrue interest during those 2 months so once again I will end up paying more interest. 

I have reached out to nelnet several times but have been unable to fix the issue and the longer the error isn't fixed the more extra interest I have to pay. It seems like they are causing these errors so they get more interest from their loanees which seems illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am opening this dispute because Transunion has reported the same debt more than once with only a change of name the first time reporting a XXXX XXXX credit card as closed/charged off in XXXX  and then, XXXX years on XXXX XXXX XXXX posting an update on the same charged off account. 
My understanding is that it is against the law for the credit reporting agency to post and drop your score for the same debt more than once. If that were, in fact allowed, the same creditor could keep reporting, or updating the same debt every month for 7 years, never allowing a credit score to recover for that period of time, plus the additional XXXX to XXXX  years that it takes a score to go up, even when paying every bill on time and keeping credit utilization below 30 %. 
Given that with a low credit score one can not rent an apartment, get an auto loan to buy a car to get to work, pay more for everything from car insurance to numerous other things that are connected to your credit score, this is incredibly harmful to consumers. I almost ended up homeless due to landlords refusing to even consider someone with a credit score below a certain number. Fortunately, I found someplace to live on a temporary basis but will soon run into the same problem. 
I am sure there are thousands, if not hundreds of thousands, of people that have found themselves in this same situation. 
So, I have either had the same charge illegally put on my credit report a second time, causing it to drop by XXXX points, or this law that allows that to happen needs to be changed. 
I request that the recent update be removed and my score reverted to what it was before the update.

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 2023-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I opened a Credit Karma Credit Builder account. Every credit to my account was always processed within XXXX hours before meeting my threshold. The last credit, that would have met the threshold amount, has been processing for 7 days. They will not release my funds or close the account. The account also did not increase my credit score as they claim. I just want my money and the account to be closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BILL.COM, LLC
State: WA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX which is insurance company sent fund to my bill.com account but I am not able to have access to my account. They keep telling me that it's because XXXX XXXX XXXX didn't connect with my account using my ID but if that is true then how did I got an email from bill.com that fund was received but I still don't have access to my bill.com account and fund. I have emails for proof that they are lying. They keep lying to me that they tried to call me which I never got calls from them. Bill.com doesn't have customer service email or phone number to solve problems and they should be banned from doing business without good contact information. All I got was 1 call from their rep without giving any name with caller ID block with bad accent that I couldn't understand what she was saying and call ended without solving this issue. I am surprised that no one caught them breaking banking regulation by not providing good contact information and still operating their website in the US. I worked in banking industry for over 10 years thus I am very well about its requirements. I need help from CFPB to stop them from ripping people off this way. Thank you. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2023-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
from XX/XX/2022 to XX/XX/2022 every month disputes for inaccurate information and incomplete credit information. their responses were not accurate on all 3 major credit agencies. they are in violation of my rights in accordance to 15 U.S. code 1681b not following reasonable procedures to report accurate information in addition to violating 15 u.s. code 1681s-2 responsibility of furnishers of information to consumer reporting agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: NM

Complaint narrative:
I found inquiries that dont belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-10-11 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fidelity National Information Services, Inc. (FNIS)
State: NJ

Complaint narrative:
Complete Payment Recovery Services Inc has obtained my personal information without my authorization. I don't know who they are and have never agreed to do business with their company. I dont have a contract with their company. They are attempting to extort me for payment. This is causing me emotional and economic distress.

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