vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-13 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: KY

Complaint narrative:
I had applied for the new SAVE income driven repayment plan on XX/XX/2023 through XXXX and received confirmation that my application had been received by EDfinancial. On XX/XX/XXXX I called EDfinancial requesting the status of my application. I was told they were processing the applications at a XXXX business day delay and try again later. On XX/XX/XXXX I called Edfinancial and was advised that they did not have my application and I should resubmit, which I did resubmit manually through their inbox and received a pop up to allow 10 days to review. On XX/XX/XXXX after not receiving any correspondence with EDfinancial regarding my IDR submission, I submitted a complaint with XXXX to try to resolve my issue with my servicer. On XX/XX/XXXX I called EDfinancial and was advised that they did have my SAVE application and allow XXXX weeks to process my application. On XXXX I called EDfinancial and was advised that I would owe a {$5.00} fee to pay for the transfer of my income driven repayment plan to SAVE which I did pay that day. I was advised that the application was being expedited and would be processed by Friday, XXXX. My application has still not been processed and the {$5.00} fee that I paid was applied to my original monthly loan payment. On XXXX I called EDfinancial and the representative was unable to help me but escalated my dispute with a supervisor whom I have not heard back from. I was advised by this representative to not make my regular monthly loan payment at this time as the monthly amount was reduced by the {$5.00} fee that was applied incorrectly to my account. I was advised that I should hear back from a supervisor with EDfinancial within XXXX business hours but this did not happen and my account has not been updated to the new repayment plan. In addition, I am in limbo and not sure how to make my monthly loan payment as I was advised not to do so until this is resolved. At this point it has now been 106 days since I originally submitted my SAVE application to my provider which is an unreasonable amount of time to wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2023-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a collection notice from Transworld Systems INC. seeking to collect an alleged debt of {$120.00} claimed to be owed to XXXX XXXX. 

I immediately disputed this debt by sending a validation request letter to Transworld Systems INC. asking for verification of the debt and proof they are licensed to collect debts in California. 

Transworld Systems INC. responded stating their XXXX  debt collection license was " pending '' but provided no license number. 

I sent a follow-up letter on XX/XX/XXXX, requesting written proof that Transworld Systems INC. had submitted its license application in XXXX  by XXXX XX/XX/XXXX deadline to operate legally during pending status. 

Transworld Systems INC. failed to provide any response or documentation validating that their license was properly applied for in XXXX  by the legal deadline. 

After waiting for the requested timeline, I sent a final notice on XX/XX/XXXX, informing Transworld Systems INC. I still disputed the debt since they can not prove valid licensing. They did not reply and continued collection efforts. 

I request a full investigation into Transworld Systems INC. and their lack of valid XXXX  debt collection licensing while attempting to collect on this disputed account. Their practices appear unlawful.

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 2023-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Auto Credit of Virginia Inc.
State: WA

Complaint narrative:
In XXXX I was employed by a company called XXXX XXXX. I worked as a XXXX XXXX  for 3 months prior to quitting. When I left I returned the day afterwards and dropped off all of my uniforms with one of the techs working there. Since I quit, they have claimed I did not return the uniforms, and then they placed a negative collection on my credit claiming I owe them for non returned uniforms, however they placed it on my credit as a car loan. I have never taken a loan out with this company, let alone a car loan. I have made attempts over the years by phone calls and mail for them to validate my debt, and never once have I received anything. All I have ever received from them was threating mail to every address I've had on my credit, and have left threating voicemails on my phone. Every letter is a threat of legal action/garnishment of wages, contact to current employer, friends and family if I don't pay the money owed. They even went as far to put it on my credit twice to show I was delinquent on two auto loans. I have disputed this on my credit time and time again with XXXX and they were able to one of the time remove one of the car loans they placed on here. However recently they did remove it for one month, but then brought it back on my credit as if it was a new account. I reached out to the company again on XX/XX/XXXX due to it still showing on my account, and the fact they keep it open like I have an open account with them. They have it set up, so no matter the time frame it will never fall off my credit. As of this XXXX it has been 7 years since I left that job, and I'm still having problems with them refusing to validate or remove the account from my credit. The most recent time I reached out by email, they didn't even confirm who they were speaking with before they start emailing personal identify account information out. The last email I sent to them was today, after back and forth of them not being able to confirm they received my uniforms, and still refusing to remove it from my credit. I made the official request for them to stop all communications with me, as they have already violated my rights. With filing this complaint I will also be seeking legal advise as they have impacted me finically over the years with the negative marks on my credit for something I do not owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I have a savings acct. with this bank, for about a year. I also have a savings acct with XXXXXXXX XXXX for about 6 months. From my acct with XXXX XXXX I requested they transfer $ XXXX from my acct at XXXX to my XXXX XXXX acct. The funds disappeared from my XXXX acct on XX/XX/XXXX. To this day the money has never shown up at my XXXX XXXX acct. Shortly after it was out of my XXXX acct. I was notified by XXXX XXXX  they need some more info from me and they wanted those sensitive documents to be sent to a plain email, not through the bank website. I could not get any good answer why this was needed, why it was even requested or who was the impetus for this. I went back and forth for days and now weeks with both banks to get this completed. I have never been able get this completed and in fact I can not even get information from XXXX XXXXXXXX  where this money is in fact at. I told XXXX XXXX if this transfer can not be done like I requested they need to delete the transfer and send the money back to my XXXX acct. where I can access it. They will not do that and have given me a bunch of XXXX about how this is being taken care of, yet it never has been. I think this is some kind of scam. Otherwise if XXXX XXXX thinks this is some type of fraud they should immediately contact the authorities and if they have these funds either hold them for instructions on what to do with them from the authorities or send them back to where they came from. I am being majorly harmed as I need access to my funds so I can invest them where the income will be tax deferred. I am not able to do that and this is costing me money daily for that reason. I also am being kept from having access to my funds when I find a home to buy for living which could happen any day but not if I do not have my money. I need this scam to end and return my money immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am filing this identity theft report in response to the derogatory remarks that Wells Fargo and the credit reporting agencies are placing. I have been a victim of identity theft because I have never been associated with Wells Fargo Bank. However, Wells Fargo is reporting a fraudulent account to the credit reporting agencies with a balance of {$10000.00}. Immediately after I noticed this account, I contacted Wells Fargo. I got the credit reporting agencies and informed them to place a fraud alert on my credit report and the creditor to remove my information from their database because I am not their customer. They should not have or share my information. The mentioned account was opened without my consent and authorization. It was opened without my knowledge, and I do not even know when the account was opened. Therefore, I filed this report with the CFPB to request that they get involved so that Wells Fargo can remove the fraudulent and derogatory remarks they report on 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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I received debit card from Venmo that I never asked for. Called Venmo found someone opened another Venmo account in my name. I had to argue with Venmo to cancel they wanted me to email them my drivers license. I refuse to do that since I didnt open it.. they eventually did cancel debit card. I also canceled the Venmo account I opened and report the other account as fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Opportunity Financial, LLC
State: MO

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 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. 
XXXX XXXX XXXX XXXX XXXX XXXX Opportunity Financial Account XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: FL

Complaint narrative:
According to FCRA and US Codes, Congress passed a law with FCRA, allowing permanent removal of any collection older than 2 years, and affecting your credit score. This includes student loans, late payments, credit cards, and so on. My student loan ( s ) were placed on my credit profile without my consent, and a violation of privacy rights. In truth, it has affected me in numerous ways with extra deposits, higher interests, and additional costs. Enduring these results has taken a great impact on living expenses.

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 2023-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
I received an email on XX/XX/31 saying today was the last day to make a payment of {$720.00} or I would be reported 30 days late. I made a payment of {$720.00} dollars. On XX/XX/XXXX, I received multiple emails/credit alerts stating that my score dropped XXXX points due to Bridgecrest reporting me as 30 days late. 

I called several times to inquire and each representative told me something different. While I know that I am behind and I am working on that, I was paying on my account monthly ( I asked for a forbearance months ago and was denied even though I was in good standing ). I told them they must have a glitch cause one representative told me I paid on XX/XX/XXXX. Another rep told me I paid XX/XX/XXXX. Another rep told me I am 32 days late. She also told me that I needed to send an email for them to remove the late payment. 

I sent that email this morning and this afternoon, I received an email from XXXX informing me to call in to get an update from my account. The first rep said my account was closed. I informed her it wasn't and explained the above information to her. She transferred me to another rep who initially said I was 32 days late. Then, after repeatedly putting me on hold, he said " You never should of gotten an email that said if you pay you won't be reported to the credit bureaus because you're 80 days late ''. This was news to me and sounds like false advertising. I proceeded to ask since he implied this was a mistake to be communicated that way, can he honor my request to remove this late payment. He said no. 

I have been dealing with little to no response or misinformation and deception from Bridgecrest. I even emailed the CEO and Customer Service to not hear back from the CEO and to get the runaround again with customer service.

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 2023-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
We were unable to pay our last few bills on line. We were told it would fix itself and to wait. Well now we have a 42 day late pay on our record. If by chance someone finally told us to pay via certified check via the mail. 

This killed our chances for a VA home loan. I wish the person would have told me that the first time I called. This would have never happened and now we are begging them to reconsider their decision and remove it from our credit report as it was not our fault and it was our very first late pay with them. Our home is paid off in XXXX but this mess up is impeding us from a home purchase. 

Thank you for taking the time to read this letter. We are writing because we noticed that our most recent credit report contains a late payment of {$500.00} reported in XXXX of XXXX  to the credit bureau for our XX/XX/2023 mortgage payment to Carrington Mortgage Services , LLC . 

We want you to know that we understand our financial obligations, and if it werent for the help of your customer service and researching staff noticing that the payment function was grayed out from our account so the final/last few payments could be made via telephone and sent out via certified funds, etc., we would have an excellent repayment record. 

We made a mistake and took for granted in thinking the Carrington payment system or option would repair itself and the payment option would be restored and let us make the XXXX payment sooner rather than later with no consequence, etc. 

This was a true wake up call for us. Please know we did have the funds to pay our XXXX and XX/XX/2023 bills at the ready but our delay, complacency and over excitement to have our first ever home paid off got the better of us. 

Since then, we have had a spotless record of on-time payments. Now that my wifes father has passed on and her eighty-three-year-old mother needs to move in with us we are planning to apply for a Veterans ( VA ) Home Loan to purchase a home to better suit her medical needs.

It has come to our attention that the missed payment on our record is hurting our ability to qualify for a Veterans ( VA ) Home Loan. We truly believe that it does not reflect our credit worthiness and our commitment to repay our debts.

It would help us and our family immensely if you could give us a second chance and make a goodwill adjustment to remove the late XXXX payment from XXXX of XXXX  credit bureau report. 

Thank you for your consideration, and we hope you will approve our request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Renton Collections Inc.
State: WA

Complaint narrative:
They have repeatedly contacted me at work and home at all hours. They have used abusive language and threats. The numbers they have been calling from I had to do a XXXX search to find out who they are. I have no written communications from them and When I ask who they are they tell me I don't need to know.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13 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: GA

Complaint narrative:
I recently filed a complaint on XX/XX/XXXX against TransUnion regarding incorrect information showing on my credit report. 

TransUnion has closed my complaint stating that they verified account information that was NOT even related to my complaint submitted on XXXX/XXXX/XXXX. 

TransUnion is currently reporting a closed charged off account as OPEN and is currently showing a late payment status. I have disputed this incorrect information many times without resolving the issue. 

I DO NOT HAVE A CURRENT CAR LOAN!! 

This intentional violation of the FCRA has prevented me from obtaining a new car loan and other credit opportunities. 

I do not currently have an open car loan with XXXX XXXX XXXX. XXXX closed the account on XX/XX/XXXX. 

TransUnion is also reporting accounts older than 7 years on my credit report. 

By law, I am submitting this complaint as directed by a law firm. 

Thank you

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 2023-11-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My right to privacy is fundamental. I have a right to choose what I want disclosed. However I did not consent to, authorize nor benefit from these inquiries listed on the Indentity theft 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 explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NC

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief