vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/23, I requested a 90-day payment deferral or reduction on a private student loan that I currently have with the company. After going over the reason for the request ( my husband was off work for 3 months on unpaid XXXX ), my income and my expenses, I was informed that I don't qualify for their one and only option - interest only payment - because I didn't have anything left over to pay the interest only payment. I asked the representative if this was the only option that the company offered and she confirmed that it was. I said to her that the reason I was requesting a deferment was because I had a loss in income and that if I couldn't pay I'd be penalized by a bad credit rating as well as the possibility of wage garnishment. Her response was that if the company let me defer my payment they would be breaching the contract. So, you will cause people default on their loan with you so that they can breach their contract with you and you will cause them a hardship as a result which is terrible business. Her response was to try to find the additional income in order to make the interest only payment. I make the regular monthly on-time via recurring ACH debit and this is the treatment I receive when I need help. I want to pay but need at least 3 months to get caught up with all of our bills but my good repayment history doesn't count for nothing with this company. Sad!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My ex husband fraudulently reported child support payments in XXXX states at the same time on the same child. Missouri should not be reporting since I am currently paying Texas and have an active case with Texas. 

XX/XX/XXXX called Missouri child support Missouri child support XXXX Having interm contact Texas to resolve issue. 

XXXX. XX/XX/XXXX. XXXX Missouri XXXX support XXXX XXXX she would escalate the case and fix the problem by stopping the reporting, getting in contact with Texas XXXX interm office. 


XX/XX/XXXX case # not given when asked. Case worker replied that I just need to pay the money until Texas can prove I am current. 

XX/XX/XXXX XXXX CT XXXX XXXX 
XXXX XXXX XXXX ex husband ) phone called made requesting a XXXX? 
XXXX. 
On XX/XX/XXXX XXXX XXXX sent out payment history to XXXX XXXX, MO. 

TransUnion has foxed and then started reporting again.

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 2023-10-23 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-10-23 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: DISCOVER BANK
State: FL

Complaint narrative:
I bought tickets on this XXXX XXXX for a XXXX XXXX concert on XX/XX/2023 for {$340.00}. The link went through XXXX and the tickets were never sent or activated and I never got refunded. XXXX  seats and XXXX keep claiming the other party is responsible and Im out {$340.00} for tickets I never received and a show I never went to. Its a complete scam and they also refuse to send emails and leave a paper trail when I try to dispute the charge with my credit card company. The credit card company I used was Discover and they keep siding with the merchant because it was an authorized transaction, but XXXX  seats did not provide the services. This is a case of fraud and Discover is false advertisement on saying clients are never responsible for fraudulent cases or services never rendered. They wont let me open a new dispute either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I requested a balance transfer. I transferred an amount of money from XXXX XXXX  XXXX  to capital one venture visa. Capital one posted the transaction on XXXX, XX/XX/XXXX. I contacted XXXX XXXX  on XXXX, XX/XX/XXXX and they still show a balance in the same amount as the transfer. XXXX indicated that the balance transfer check that capital one had sent had not cleared as of XX/XX/XXXX. 

I contacted capital one venture visa and they informed me that they have posted the balance of the transfer and that I am accruing interest on the transfer even though the check that was sent to XXXX bank had not cleared. Capital one Venture informed me that it could take up to 15 days for the transfer to to be processed by XXXX XXXX 

Effectively it seems that I am currently accruing interest on the same balance to two different banks. Is this lawful?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eagle Recovery Associates, Inc.
State: IA

Complaint narrative:
My daughter was inpatient at XXXX point in XXXX XXXX. I gave them both insurance cards at time of admission and one more time while in the hospital. I got a few bills from hospital stating a balance owed, and I called with every single statement received and gave them information again for the secondary insurance. Primary was billed and paid majority. Despite constantly giving this information, her secondary insurance was never billed or saved to her file and they sent me to a collections agency. I called them and was told it was too late to bill insurance now that they are involved. Then hung up on me.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-23 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. Hard inquiries are Not a matter of Fact. The list of unauthorized Inquiries below are Not a matter of fact, and has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C.1681.You are obligated verify this information, or not report it to your users.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

1

5 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting 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:
To put my credit score back at the XXXX that it was before they took XXXX points away now that the late status has been removed then there is no issue. 
The late status has been removed that has been resolved shows as current and in good standing however they only gave me back XXXX points out of the XXXX that they took away. I would like to have my XXXX XXXX XXXX restored prior to the late status that has been resolved. They're going to take XXXX points make the corrections to the status and only give me back XXXX points? Then why not only take XXXX points? I would like my full XXXX restored please

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 2023-10-23 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: TX

Complaint narrative:
I was approved for 100 % discharge via XXXX v. XXXX. XXXX had my loans unconsolidated, and they showed discharged. Now, they show them reconsolidated ( into 2 big loans ) and with a due date of XXXX. Yesterday I received a letter yesterday showing a new due date of XX/XX/XXXX. I can not get any answers as to the status of my loans and when they will be discharged per the BD ruling or why they were discharged and then added back as consolidated. Their chat is down, the phone wait is days and they do not call back, nor do they respond to emails or FB messenger. XX/XX/XXXX is fast approaching and I do not understand why nothing is happening and/or no one is responding in any fashion. It's ridiculous and terrible service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
I have tirelessly fought with this company trying to get my money returned to which I get ignored or told they have no updates for me at this time. It has been 2 years now and I can't seem to get any help or resolution. My account was charged three times {$730.00} for XXXX XXXX XXXX XXXX tickets for XX/XX/2022 all 3 times including the insurance in case something happened. So 1st of all I didn't need 3 purchases of same tickets, 2nd of all I bought insurance because it's my luck so always make sure, 3rd I kept in contact with the place the comedy show was happening at and I had broke down on the way to event and was told I would get a credit with XXXX XXXX to use for XXXX XXXX or any other event totaling the same amount unless of course I wanted to pay any difference and that I would be fully refunded for the other 2 transactions buying same tickets 2 more times told there was a glitch in system probably. Well never received my credits never received my refunds it's almost 2 years later and XXXX nor PayPal have rendered this situation

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$50.00} XX/XX/XXXX Reversal : XXXX XXXX XXXX XXXX  XX/XX/XXXX ClaimId : XXXX {$45.00} and Reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$30.00} XX/XX/XXXX Claim reversal : XXXX XXXX XXXX XXXX XX/XX/XXXX ClaimId : XXXX {$200.00} All these transactions were fraudulent yet they were reversed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report 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 2023-10-23 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts still on my credit report that were not open by me after this compliant was filed. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: NY

Complaint narrative:
In regards to the complaint XXXX, Edfinancial has advised me that every time I submit a copy of my license to them, the page is black. I even faxed a photo on the front cover page as well as an 8 '' x11 '' image of my license. Despite Edfinancial being able to read the fax to identify who it was from ( me ) and my account number & social, mysteriously the licenses were somehow just black. 

I tried submitting a copy of it on edfinancial.com however there is no place to do so nor is there any documents available related to fraud. Edfinancial live support is not available and any agent or supervisor I speak with never gets back to me. I am submitting a copy of my license on here similarly to how I submitted my social security card since they were able to read that from my previous case. 

Once Edfinancial receives this image, please submit to the department of education to have these loans discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: CA

Complaint narrative:
I am currently at 120 payments for PSLF. The only hang up is that MOHELA is not counting the last 15. ( their counter says 105 with 15 'pending ', which have been for months now ... even though it's the same employer ... a public school district ) In addition, I requested a forbearance over three weeks ago on XX/XX/XXXX from MOHELA so I didn't need to make my first payment on XX/XX/XXXX. ( I shouldn't have to, because I have reached 120 qualifying payments ). The agent let me know that it would take 2 business days. I have since called back at least 10 separate times, many times with the phone just hanging up randomly, no call backs etc and have been told it would be 5 business days, then 10, then 30 (! ). There is no consistency or rhyme or reason to the messages from agents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: FREEDOM FINANCIAL NETWORK
State: AZ

Complaint narrative:
Would like to please be a part of the class action if I qualify since I had an account with Freedom Debt Relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To put my credit score back at the XXXX that it was before they took XXXX points away now that the late status has been removed then there is no issue. 
The late status has been removed that has been resolved shows as current and in good standing however they only gave me back XXXX points out of the XXXX that they took away. I would like to have my XXXX credit score restored prior to the late status that has been resolved. They're going to take XXXX points make the corrections to the status and only give me back XXXX points? Then why not only take XXXX points? I would like my full XXXX restored please

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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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. 1234, has violated my rights. 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 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

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. 1234, has violated my rights. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: OH

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. 1234, has violated my rights. 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 2023-10-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please refer to your XXXX. This account is for a XXXX car lease through Hann Financial Service from XXXX XXXX. 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have two children in college, and this is continuing to hurt my credit with all three credit agencies. 

PLEASE NOTE : This was already resolved and removed from all credit reports 2-3 years ago. It is suddenly reappearing. It should not be!

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