vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AZ

Complaint narrative:
I made a payment in XXXX on time, then my account was placed on forbearance ( with no notice given to me until XXXX ) that was back dated for XX/XX/XXXX. I later received a notice that any payments made during that period would be applied to future payments, such as in XXXX. I believed this to mean that my XXXX payment was covered, so I did not pay. I have now received notice that my account is delinquent, and I have tried multiple times to reach out to Mohela to clarify the situation, but I can not get ahold of anyone to talk to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: MOHELA
State: GA

Complaint narrative:
The company placed me on administrative forbearance without my permission for the month of XX/XX/year>. Due to this forbearance my XX/XX/year> payment does not count towards my PSLF progress. After several calls and attempts to remove this payment from forbearance, the company refuses to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I opened an account with Citibank around XX/XX/XXXX, funding {$74000.00} from my XXXX account. On XX/XX/XXXX, I decided I wanted to move {$10000.00} back to my XXXX account and initiated this request on Citi.com website. At this point, my account was flagged and locked. The next day ( XX/XX/XXXX ), I was informed that my account would be closed and they would send me a check in the mail within 60 days. 

I would really like them to reinstate the account, or at a minimum allow me to get back my {$74000.00} wired into my original XXXX account. I find their action to close the account without warning or reasonable cause crazy! I find their action to hold my money for 60 days without interest crazy! I had intended this to be a kind of emergency fund and did not realize that withdrawing my own money to another of my bank accounts would be considered a breach of contract! 

I really need some help. I am worried that I won't be able to get my money.

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 2024-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
My wife and I are forty year customers of Wells Fargo. We have a first mortgage that we originated with Wells Fargo in XX/XX/XXXX which was sold after being modified to 40 years as part of a home preservation program after I XXXX XXXX XXXX  and had my pay reduced by half ( i.e. {$30.00} per hour to {$15.00} ) 7 years ago, and a HELOC in XXXX for $ XXXX. Our first mortgage has been paid on time and our HELOC is currently reporting 60 days late to the credit reporting agencies and we are over {$5000.00} past due in payments and late fees. We have been repeatedly denied for loss mitigation as we are being advised that we make too much money. We applied to refinance our Wells Fargo debt with Wells Fargo including the mortgage that Wells Fargo sold to XXXX XXXX XXXX  and included the balance of a Wells Fargo credit card totaling approximately @ $ XXXX in order to put ourselves in a stronger financial position by bringing the HELOC current, and reducing our monthly obligations. As long standing customers, we find it difficult to believe that this company has no options for which we can qualify. We do not have {$5000.00} to bring our HELOC current, we do not qualify for loss mitigation and we are only asking that this company find a product in which we can consolidate all of our Wells Fargo debt including the sold mortgage so that we can get one affordable payment and get our credit back on track.

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 2024-01-17 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: GA

Complaint narrative:
Multiple accounts still show up that were supposed to be removed a long time ago

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 2024-01-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting EQUIFAX to provide the documentation used to determine inquiry and Said accounts previously disputed with the CFBP ( # XXXX & XXXX ) was indeed authorized by the consumer, EQUIFAX has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer we ink signature. Consumer is Not asking for an e-oscar report. If EQUIFAX does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. EQUIFAX commission file number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX I will be filling form 211 treasury omb forms to audit consumers account. EQUIFAX is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. Also company stated that I did not send them information showing what I disputed. In my previous CFBP complaint, I sent proof of the accounts that i disputed previous to this complaint and the company still has not corrected the information that i requested and this company has violated the debt collection law in New York State, the statue of limitation on debt collection on any debt that is not a business loan is 3 years. I have accounts that has been reporting since XXXX and XXXX, XXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Today XX/XX/2024 I have been contacted by people identifiying as Chase Bank, phone XXXX XXXXXXXX they called at XXXX XXXX XXXX and XXXX XXXX XXXX. They hang up when we answer XXXX XXXX XXXX XXXX, which we own. I call them back and they ask for a XXXX XXXX... we tell them that we have no one here by that name, and they have reached a travel agency, along with if they can prove a dept for XXXX or XXXX XXXX, or the company then we will discuss it with them, but since we do not, nor ever had an account with Chase Bank, not to call us unless they prove a debt, or wish to purchase travel. Both times they said that they would not call us back, and then call again. I have no idea who the person is they are looking for, but need to stop harrassing us and tying up our phone line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e ''. THE ALLEGED DEBT CAN NOT BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANOTHER VIOLATION UNDER THE FCRA.

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 2024-01-17 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that. 
Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-01-18 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: FL

Complaint narrative:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly 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 non-monetary relief
Consumer complaint received 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express is claiming I owe a debt of XXXX on account ending in XXXX, all of XXXX and to XX/XX/XXXX I was falsely XXXX  on a case I later won. When I came home I had received mail claiming that I owed this debt and it was opened in XXXX, I filed a police report DC # XXXX for Identity theft and filed a complaint with the FTC I submitted all documents to American Express stating I did not authorize this account or have knowledge of this debt. I am now being contacting by a attorney from American Express who is trying to file a complaint in courts unless I come up with a settlement on this debt that I do not owe.I also filed a complaint on XX/XX/XXXX with the XXXX  in regards to this debt and this attorney from American Express XXXX XXXX XXXX, in which they are not XXXX  accredited. American Express also contacted me stating that on XX/XX/XXXX the account was transferred to XXXX XXXX XXXX  for collections. This collection company has also harassed me about this debt. So I'm being contacted by three different agencies in regards to this alleged debt. In the past 4 years this is the second time someone opened accounts in my name without my knowledge. I notified the credit bureaus and placed a fraud alert on my file as well as a security freeze I did not opened this account or authorize anyone to do so on my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

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 2024-01-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been investigating my credit lately and and was sent into an absolute tail spin when I saw the terrifying violation of my rights and privacy. There are a number of unsubstantiated inaccuracies and they need to be corrected as it is effecting my life and health very negatively. I need to be able to be able to be present with my children and the stress from this matter is not allowing me to do right by my family

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 2024-01-18 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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2024-01-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
I receive repeated calls, 3 to 5 calls every day. They maintain constant harassment.

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 2024-01-18 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: MOHELA
State: NJ

Complaint narrative:
XXXX XXXX //www.mohela.com/ calls and leaves threatening voice mails. 

my account has auto-debit on, but they insist I owe a balance ; however, when contacting them ( I have to wait an hour until after they close ), they are unable to confirm, deny, nor provide any information to me ; but that i can reference the site which then states a {$0.00} balance. 

their refusal to re-send documents lost by USPS, as well as, their inability to take responsibility and give me the amount I owe and the monthly amount is dangerously faulty. they also have auto-debit authorization, which allows them to take the funds directly ( there is more than 40 % over the amount it shows i owe, this is a fault of their system ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-18 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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The issue is causing me significant distress and XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-18 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2024-01-18 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my tederaily protected consumer rignts to privacy and confidentiality under 15 USC 1681. 
Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-01-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX data breach in XXXX I am writing to address a serious matter regarding the data breach. It has come to my attention that my credit report has been reflecting several instances of fraudulent activity, specifically the opening of a credit card from XXXXXXXX XXXX with a balance of {$1400.00}. 

I have taken the necessary steps to rectify this situation by providing proof of the XXXX data breach in XXXX as well as an Identity Theft report. Additionally, I have attached a dispute letter pertaining to the fraudulent credit card and evidence of the deletion of all related inquiries from all three credit bureaus.

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