vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
My loans were previously with XXXX and were transferred to Mohela when XXXX stopped servicing student loan accounts. Everything was ok until I recently incurred about missing pay statements for XX/XX/XXXX ( XX/XX/XXXX is also missing ). I was emailed that those payments had not be loaded but I would not receive credit toward PSLF because I was in XXXX  XXXX bankruptcy. I inquired about this in XXXX by filing a complaint through this platform and was advised certain language had to be included. My attorney then filed a motion to add that language to the bankruptcy. I was allowed to participate In PSLF after paying almost {$700.00} to add that language. 

Now Mohela is saying I can not participate in the XXXX program because I'm in bankruptcy. I am only 4 payments away from forgiveness. This is not ethical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a new Citi XXXX credit card and was told to go through the activation steps via their mobile app. Adding the card to my XXXX XXXX wallet directly through the link in their own mobile app apparently triggered a fraud alert that froze the account. When I called the fraud number they told me they were unable to verify me using my own phone number, the one I registered the account with, because of this fraud warning, and asked for other phone numbers to call. Not phone numbers of other people on the account, but someone with my same last name would do. This practice will undoubtedly cause *more* fraud. They are endangering their customer 's security while also denying us access to our accounts and the bonuses I am paying a {$95.00} fee for.

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 2023-11-21 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: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
I did not authorize these hard inquires resulting in XXXX XXXX COMMENITY BANKXXXX XXXX XXXX please have these inquires removed from my account as possible

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I submitted a wire transfer request from XXXX to my XXXX XXXX account. Wells Fargo is the intermediary bank. Wells Fargo rejected the transfer. They returned all but {$50.00}. No one at Wells Fargo will assist with the missing {$50.00}. They keep telling me to have XXXX inquire. They will not talk to me. They will not accept any information - wire transfer reference number, account numbers, wire amounts. They refuse to talk about this transaction and have kept 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 2023-11-21 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: MO

Complaint narrative:
I contacted the credit bureau after I made the complaint through XXXX and they refuse to give me my credit report that refusing me my credit score they told me I needed to send in all sorts of forms of identification approve I was me before they would even give me my score or my report but other people are able to access it constantly and utilize it apparently

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 2023-11-21 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: CA

Complaint narrative:
As of XX/XX/2023 Equifax has committed perjury and broken the law on CFPB government site as well as violating my FCRA and civil rights with mishandling and lying to the CFPB causing damage to my report and given me the right for monetary damages of {$1000.00} per violation. 

They have received all documents and COMPLETED the investigation per their terms closing XXXX XXXX inquiry as DELETED on 7 different complaints attached as have never once deleted the completion of this. 


VIOLATIONS WITH THESE CLOSED AND INVESTIGATED REPORTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
This is an auto loan account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

NCB Management Services Accnt # : XXXX Opened : XX/XX/2018 Balance : {$12000.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I pay my credit cards off really fast - if I make a charge with one, I'll pay it off within a day or two to avoid interest. Recently, I logged into my new-ish wells fargo credit card account and received the message below : " Error : You have reached the daily or monthly limit for the number of online payments to this account ( s ) made from a non-Wells Fargo account. Please make this payment using a Wells Fargo account or call XXXX to make this payment. '' This I believe is a duplicitous way to get credit card customers to open a checking account with wells fargo. It should be illegal for companies to limit the number of payments you can make on an account from an outside checking account. As long as the bill is paid, why would they care which account it's coming from? This is horrible and another example of wells fargo being rotten to customers.

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 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Number : XXXX Reported Balance : {$1100.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from my credit report. 
Disputed Item : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX Account Number : XXXX Reported Balance : {$1700.00} Date Opened : XX/XX/XXXX Reason for Dispute : Challenging this as a fraudulent transaction and a potential violation of HIPAA privacy rules. 
Requested Action : Delete this item from 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 non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/23 : Citicard notified me about fraudulent charges. I confirmed by phone that they weren't mine and they cancelled my card and assured me the charges would be removed. The charges were removed on my next statement in XXXX. 

XX/XX/23 : I noticed the charges had been added back to my XXXX statement. I called and they confirmed that the dispute had been reopened because the merchant had responded and said the claims were valid. The charges were from a grocery store in towns I have never visited in XXXX. ( I live in XXXX XXXX. ) XX/XX/23 : I sent 2 forms by email that Citicard requested verifying that the charges were not mine. One of them is attached. 

XX/XX/23 : I called again because the charges had not been removed. I was advised that they would reinvestigate it and let me know. 

XX/XX/23 : I called again because the charges had still not been removed. The representative assured me that the forms had been received and she would make sure they went to the correct department. She said I should get a response within 10-12 business days. I have not heard from them since.

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 monetary relief
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
I recently reviewed my credit file and unfortunately found that some of my personal information was incorrect. You are reporting Information that is not 100 % accurate. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit file within the next 30 days. I know that you have up to thirty days to meet my requirements. If I do not receive any updates from you during this period, I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This company reported an incorrect collections account on all three credit bureaus. I called them and requested they delete the entry and they agree that they would delete it but have not done so. I have the phone conversation with the company representative recorded and intend to present it in XXXX Civil court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: FL

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items XXXX XXXX  Account Number XXXX XXXX DEPT OF EDXXXX Account XXXX XXXX  XXXXXXXX XXXX Account Number XXXX XXXX Claim number for data breach : XXXX Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from. my credit reports. List all those negative accounts from your Equifax credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
XXXX XXXX XXXX credit bureaus keep violating the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 2023-11-21 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: Self Financial Inc.
State: GA

Complaint narrative:
There is misleading inaccurate information being reported on my credit report. The company 's name is XXXX XXXX XXXX XXXX  and the mount is : {$520.00} the date is : XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive Sent Letters and made calls to each credit reporting Agency and none gave me full relief. Ive gotten hung up on numerous of times & I want justice.

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 2023-11-22 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: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEMENT STOLE MY IDENTITY AND PROCEED TO SEEN ME INFORMATION OF DEBTS THAT I NEVER HAD WITH THEM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
There is a medical collection account that is being reported to the credit bureaus that I do not recognize and I am not aware of. This is clearly fraudulent. Listed below are the details. 

First Federal Credit Accnt # : XXXX Opened : XX/XX/2023 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: CA

Complaint narrative:
{ Account Number : XXXX { Original Creditor : XXXX XXXX { Amount as Listed on Credit Report : {$550.00} To Whom It May Concern : Regarding the above-listed account, I am writing this letter to offer you the opportunity to settle the alleged amount owed to our mutual benefit. Kindly note that I do not acknowledge any liability for this alleged debt in any form, and I retain my right to request full and complete debt validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit report at the three credit reporting agencies ( XXXX, XXXX, and TransUnion ). 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 
If you agree to these terms, I will : Pay the amount of $ XXXX via money order or certified cashiers check Please understand that this is not a renewed promise to pay. This is a restricted settlement offer, and you must agree to the terms above for payment to be made. I require your written agreement to these terms on company letterhead and signed by a representative who is authorized to enter into such agreements. 

The terms of this offer will expire after 30 days. I look forward to your prompt and positive response.

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 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX NUMBER2 late payments are on my credit score and i have submitted letters and also called the XXXX in regards to this payment should not have been reported late i never received the billed for those 2 months that are marked late on my closed acc XXXX and XXXX XXXX incorrect info was reported to my credit my payments should have been reported as on time payment this is making my score drop and making me stress cause i cant qualify to buy a home to live. law 15 u.s c 1666b

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 2023-11-21 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: MA

Complaint narrative:
I recently ran an Experian credit report. Experian reported that XXXX ran a soft credit check on XX/XX/XXXX. XXXX insists they have not run my credit since XXXX and have no idea why Experian is reporting that XXXX ran my credit. Please explain.

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 2023-11-22 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: GA

Complaint narrative:
I have reached out several times to Transunion about 45 inquiries that have hit my credit profile. I have informed them that I am a victim of identity theft. They advised me they see the alert on my profile and the FTC Identity theft packet. Unfortunately they have failed to remove the inquiries off my credit profile. I told them that according to the FCRA these unverified and unauthorized items must be removed. Instead they have chosen to ignore me as a consumer who is concerned about my credit and currently in the process with the FBI hiring process. They are in huge violation. I even told them I was reporting them to CFPB if theses are not removed and the agent disconnected the line.

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 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I went to the chase bank branch in XXXX XXXX XXXX XXXX XXXX, XXXX, NY last XXXX to close my bank account. Its a checking account. The banker who served me is name XXXX XXXX. He just gave me a confirmation that he starts to close my bank account, but XXXX week has been passed I still dont receive any confirmation or notification from chase that my bank account is closed. All my deposit has been taken out since last Monday in that bank XXXX. I sent the banker several emails last week to ask what is going on to my account, the banker refuse to respond to my email since last Monday. I sent an email to the chase bank customer service last Friday to complain about that, the company doesnt reply my email either. XXXX concerned if the bank is going to use my bank account to do any illegal things. I dont understand why he refuse to respond the email of a customer. I also told the banker that card is destroyed last Monday.

Company response to consumer: Closed with explanation