vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 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: MA

Complaint narrative:
On XXXX XXXX XXXX I submitted a one page form to Edfinancial, together with a cover letter explaining what I needed. The letter and form asked Edfinancial to verify the amount of my outstanding loan ( {$1100.00} ). The Edfinancial website does not have an obvious place to upload these forms, so I called and spoke to a representative who advised me to upload the form using the " cancelled check '' option. After a month, I didn't hear anything, so I called Edfinancial and was told that they " faxed '' it. Yes, its XXXX and they would have me believe that they faxed it instead of emailing it. Sure. So I checked with my employer XXXX XXXX XXXX who confirmed they did not receive it by fax or otherwise. I called Edfinancial again and asked that they email it to my employer and to me, so I would know when it was done. Another month passed, and I tried to contact Edfinancial to get the status and can not get through. I tried emailing, live chatting and calling. You literally can not get through. 

I think they are engaging in at least one obviously fraudulent and abusive practice. They have an option during long call wait times to have them call you back. Here 's what they are doing : After many hours, they call you and as soon as the call connects, THEY HANG UP. This happened to me twice. I think they are doing that to give auditors the impression that they are clearing calls.

Anyway, they are not responding to emails. The call wait times are 10 hours long. Their " live agent chat '' is " unavailable. '' I've complained to everyone I can think of. 

I'm XXXX XXXX XXXX and I don't owe a lot of money and my own inability to get through to Edfinancial is not going to wreck my credit or anything. But I can only imagine what this is like for a XXXX XXXX XXXX who owes real money and for whom getting through is very important. These servicers are all terrible and abusive, but EdFinancial is the worst I've dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I deposited a check for {$8700.00} on XX/XX/XXXX at an outdoor ATM at Wells Fargo Bank on XXXX XXXX in XXXX, Ca. 
At XXXX XXXX on XX/XX/XXXX, someone made unauthorized withdrawals using my debit card information including the pin. 
I called Wells Fargo XXXX XXXX right away and reported the fraudulent transactions. 
They canceled my debit card at that point and a new debit card has been reissued which I received on XX/XX/XXXX. 
A 10 day investigation has been opened on my account as of XX/XX/XXXX. 
Claim # XXXX The fraudulent transactions, totaling {$4900.00} were taken out of my checking account. As of today, XX/XX/XXXX, a provincial credit of {$4900.00} has been added to my account while the investigation continues. 
I filed a police report with the XXXX XXXX XXXX XXXX on XX/XX/XXXX. Claim # XXXX, with deputy XXXX XXXX XXXX 
I filed a claim with FTC on XX/XX/XXXX, claim # XXXX. 
Since filing the claim with Wells Fargo, I have called the claims XXXX XXXX times in the past week, asking for updates and providing what information that I know when asked. 
Today, there is a provincial credit of {$4900.00} on my checking account while the investigation continues. 
I have Unanswered questions to Wells Fargo : How can someone use my debit card without my pin? 
Why wasnt I notified when the fraudulent transactions began? 

We have been loyal and dedicated customers with Wells Fargo for over 25 years. Never once has a situation like this occurred. 

I appreciate any assistance you can offer. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: PA

Complaint narrative:
Blacklick, Ohio Apartment : The Bend at Broad by XXXX XXXX XXXX : RENT RECOVERY SOLUTIONS My wife got the apartment and everything she was being the man of the house when we moved to Ohio from New York. I didn't want to make the move because I knew she was working her way up to a divorce. all her family are in Ohio. we made the move eventually. 
she did all the apartment paperwork. I just only follow her instruction. I come from XXXX and we didn't have access to the best education. even with this my son is writing and I'm speaking. I don't know any computer skill. my son is helping me. I have asked so many time if they have asked my ex wife or contact her to recover the money. I even told them I will pay half and remove it. for the past XXXX year this make my life very difficult. I have lost out on money and other opportunities. can they give me money or those opportunities back? I don't wan na sound like smart donkey but this has make my life very difficult. 
My XXXX XXXX  name : XXXX XXXX. prune XXXX XXXX. now her name is XXXX XXXX according to XXXX. ( http : XXXX ) she is a very unlawful person and she doesn't mind doing criminal activities with XXXX of her brother. dev ghimire and narayan ( https : XXXX ) ghimire. those two have changed name also. dev to XXXX XXXX. why am I getting all the trouble and stress. please help me. these people have similar name ghimire and ghimirey. They think they can get away with anything by changing name. I believe social security number doesn't change. I don't fully know. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
I escrow and my insurance payment to XXXX insurance was due by XXXX XXXX has yet to receive the payment Mr. Cooper claims to have made to them on XXXX The payment was due by XXXX, if it's a 2 week processing time, it should have been sent sooner than XXXX. Because of this, they have cancelled my homeowners policy and will not reinstate it until payment is received. I have attempted to contact Mr. Cooper on numerous occasions and their auto attendant does not allow you to reach an actual person. I've tried every single number provided to me. I have opened XXXX support tickets since XX/XX/XXXX ( XXXX, XXXX, and XXXX ) and all they do is respond with an automated message that list numbers that don't get you anywhere and confirm that they claim to have sent payment XXXX. As of today, XX/XX/XXXX, XXXX has still not received the payment. 

Numbers I have attempted to reach them on ; XXXX, XXXX, XXXX I have also attempted to chat with them, it's a robot.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I had a house fire. my mortgage company held XXXX of my insurance money in escrow for their lost draft dept. to disburse me funds as my house get rebuilt. they issued a check in XXXX. I never got it. I called weekly and complained I never got it. they sent me check, same amount in XXXX for the 2nd part of my money they was holding. I got the 2nd check 3 weeks after they wrote it. & I cashed that into my bank. I still kept calling them regarding first XXXX check I still haven't got. they lied to me 3 different times stating another check was reissued & keep looking for it. when couple weeks go by I call again. was told same thing on reissue me the check. last XXXX  XXXX they tell me it has bee cashed & email me copy. the check is paid to order of XXXX peoples names. not just me on the check. the back of this check was printed out my name only, so was t even endorsed correctly to begin with. the cashed date was XXXX, which is 3 business days after it was wrote. their process states they have 3 to 5 business days to cut the check. then they have 5 to 7 business days for it to go thru their mail room & actually get sent out. then 14 business days to get to my mailbox. the check that someone forged & printed my name on back was cashed within XXXX business days so that looks to me like inside job. and probably more than XXXX employee to pull it off. now they told me it is cashed & sent to investigate process. I don't know if they really filed report of fraud or not. I don't know if my information on my mortgage was seen or not. they will not give me the investigate dept. phone number or a report filed case # on it. they will not tell me who cashed the check, what bank cashed it. they tell me nothing. the main head person they claim is XXXX, & she will never take calls. today I was told " she suggests you call insurance becuase the check is cashed & we won't issue you another one '' ... but XXXX herself won't talk to me at all. I called my local branch & they have been searching for couple hours now & have found no records of this check to even see what bank cashed it. XXXX was taken out of escrow account & I am not getting any information at all. I am currently looking for a.lawyer but I don't know where their loss draft dept is located and they won't tell me simple things like that. I don't even know I'd it is legit department... I need help getting my XXXX so I can pay off contractors who rebuilt me home. it is so sad corrupt emoyees take advantage of people who literally just lost everything. & I mean everything! & I never got my own insurance money. the bank who cashed it should be reliable to get me my money immediately. they cashed it endorsed wrong & everything. XXXX bank. they wrote the check & I'm pretty sure they cashed it too. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I bought a XXXX XXXX XXXX I have had the car for 3 yearsI have 2 more years or so to pay off this car. I feel I was over charged and I have had numerous issues with the car. Changed brakes 2 times, power steering pump went out and more. I bought this car thinking I was getting a reliable vehicle and that just using isnt the case. I think they saw me a sucker and sold this car to me. I feel they need to come down on this price as they sold me a piece of crap. If you can help me out that would be great. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: PA

Complaint narrative:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX XXXX  # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used

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 2023-09-18 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:
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. I requested XXXX acct # XXXX be validated with no response. 
FCRA section 611 gives me the right to request and explanation of the verification method used

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2023-09-18 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: IN

Complaint narrative:
I DONT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NJ

Complaint narrative:
XXXX XXXXl XXXX  billed my insurance company for a XXXX. I paid my amounts due after insurance. I then was billed again for the same procedure, and another one ( same type of procedure, same day ). The company ( XXXX  ) called me to collect and I talked to them about the prior billing and insurance payments etc, and it seemed clear based on my conversations with them they needed to take away with their " research department ''. I received a call a few weeks later from another hospital rep trying to collect, went through it all again, no indication they had researched etc. Later I received a letter from XXXX XXXX, a collection agency, walked them through issue and sent them a letter that I don't believe I owe anything ( attached ). They or XXXX never got back. Now I have Paragon Revenue group harrassing me with calls, etc. I sent them the same documentation I sent XXXX XXXX. I also sent XXXX a notification now today that I would be following up with the CFPB since I can't get anyone to do the analysis versus just try to strong arm me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
New loan servicer on a ten year old loan. Does not mail me the bill. Website is malfunctioning and will not let me register. The servicer is not letting me pay my bill! It's baffling.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 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: CA

Complaint narrative:
Per the Privacy Act of 1974 and 15 USC 1681b- permissible purpose, all 3 credit reporting agencies ( Experian, XXXX XXXX XXXX XXXX are in violation of my federally protected rights by reporting child support on my consumer report AND in my credit file. Child support payments and collections are NOT extensions of any credit, purchase money loan, installment loan, or other consumer transactions and should be removed from my consumer reports AND credit file. This is also in violation of UDAAP, FCRA, and FDCPA.

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 2023-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
XX/XX/2023 I received second call which was a couple days after the first call from tel # XXXX. Both times stated the line was recorded. I hung up. I called the number back which gave me the company name National Credit Adjusters. Not knowing why or who they where calling about I XXXX to get their address and typed up a letter in XXXX docs and sent it Priority on XX/XX/2023 track # XXXX XXXX XXXX XXXX XXXX XXXX using the last 6 numbers of my social as a Ref #. Dear Bottom Feeder ... .. Basically asking for a debt validation letter to be sent.

I get a notification from XXXX XXXX that a collection has been placed on my file today XX/XX/2023. I disputed with XXXX today that I wasn't informed of this debt and that it needed to be validated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM CURRENT ON ALL CHILD SUPPORT AND COLLECTION MUST BE REMOVED FROM MY ACCOUNT. Please remove the entire " XXXX '' efforts from my credit report, from XXXX XXXX XXXX ( XXXX ). 

please see attached, and remove the collection efforts. 

See letter dated XXXX 

XXXX amount should be {$0.00}. 

Not owed ; not due. 

Please remove from the credit report. 

XXXX : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I purchased a travel reservation on XX/XX/XXXX with my credit card and credit card points. I cancelled the reservation on XX/XX/XXXX and was promised a refund for the credit card total ( {$2000.00} ) within 7-14 days and the points ( {$80.00} ) within 24-48 hours. I received the credit card refund in a timely fashion, however, the credit card point refund still has not been received as of XX/XX/XXXX even though I was supposed to receive it within 2 days. Citi has been very poor with email communication and is not giving me a defined resolution ETA despite multiple requests.

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 2023-09-18 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: CA

Complaint narrative:
On XX/XX/2023 I paid off my student loans in full in the amount of {$34000.00} on the Ed Financial payment portal. I made 2 payments from 2 different accounts seconds apart. My 1st payment was in the amount of {$24000.00} and my 2nd payment was in the amount of {$10000.00}. Ed Financial has verified they've received {$34000.00} from me and that I don't owe anything further. However, Ed Financial has not applied my payments to my account and don't know when they will. I have a balance due of XXXX that I should not have. The hold time has been 4hrs plus to speak with someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX send me to a collection agency Sunrise Credit Services, I talk to them I explain what happen. XXXX send me a Scan to return the phone I have the slip to probe they received the phone, but they still send me a bill for {$800.00} and I know the phone is already in use for another costumer.

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 2023-09-18 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 have received a copy of my credit report, and Im disputing the following information that appears on my Trans Union report. 
XXXX XXXX XXXX XXXX has fraudulently reported on my Trans Union record. I am a victim of identity theft and I never opened this account. Please remove this in accurate information from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that this be removed completely and permanently from my credit report immediately. 
I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I got a loan from OneMainFinancial 2.5 years ago and I have been paying {$350.00} per month but I noticed that my loan balance is not going down, it remains {$9000.00}. I called and asked them why I am paying every month {$350.00} and my balance is still the same. They said they charge {$8.00} per day if it's paid after the due date, that was the first time I was hearing about that. I asked them to send me the contract for about 10 times but still haven't received that. I asked them to reduce my balance, they refused. I feel like I am getting ripped off.

Company response to consumer: Closed with explanation