vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.

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 2024-01-08 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: TX

Complaint narrative:
Inquiry Type : Company : XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run my credit report Company : XXXXXXXX XXXX XXXXXXXX inquiry date XXXX I do not recognize this account nor did I authorize this company to run 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 2024-01-08 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: NY

Complaint narrative:
I am writing because MOHELA is having significant issues in handling my XXXX XXXX XXXX XXXX. 

My Award message was sent to MOHELA XX/XX/23 - after XXXX days, the request was cancelled because that is XXXX ' policy. MOHELA did not process the request to make the payment. And now, MOHELA will not explain why they did not open or process this information. 

I called in XXXX to verify the correct address to send the XXXX information. The XXXX hotline told me that all loan service providers should have an XXXX Admin who knows how to process these kinds of unique circumstances. MOHELA has denied the existence of one and refused to give out any contact information for an individual person to contact with this. They did give me an address, which I conveyed to XXXX, and that's where it was sent. 

Now that MOHELA is being asked to say why they didn't process things in XXXX  days, they still will not provide an email to a person for XXXX to work with. A person has to submit a letter stating why it wasn't processed in order to reissue the payment. In the meantime, my Award has now expired- which means that if MOHELA does not explain why they didn't do their jobs, I will lose my entire Education Award for my XXXX XXXX XXXX XXXX XXXXXXXX. 

I have called MOHELA repeatedly, even had a three-way call with XXXX  and MOHELA, and have routinely be ghosted by being sent to a 'supervisor 's line ' and then I either have the phone ring indefinitely or I am told someone will call me back, but that has only happened once. Their processes and wait times are ridiculous and they are showing ineptitude at every turn regarding servicing loans for the Department of Education.

MOHELA also said they would conduct an investigation, stating XXXX business days to complete it. This was on XX/XX/23 and they have not completed the investigation yet nor have they said why they haven't completed it. I was just told that it 'was n't finished yet. '

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: IL

Complaint narrative:
I requested proof of validation of debt from XXXX XXXX ; XXXX. They were unable to prove validation of debt. They have also stated that they will cease collection and ask the reporting agencies to remove the trade lines. I contacted the credit bureaus, and they refused to remove the trades lines. 
The credit reporting agencies that refused to remove the tray lines are Equifax and XXXX. 
Although I received a letter from the credit ( XXXX XXXX ) and provided this to both bureaus. They refuse to remove the trade lines off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I took out a heloc loan in XX/XX/2022 for {$70000.00}. I knew this was a long term loan and wanted a fixed rate. It was supposed to be fixed as I had done a fixed loan on my own in the past under Suntrust. It was at the time of merger and the bank was in chaos. When I realized the rate was not fixed I began calling in XXXX. Check the logs... multiple calls with no action until XX/XX/2022 when someone tried to help. I was expecting a conversation about the rate and was looking for a rate around 4.11 % when I first started seeking resolution. Instead, someone changed the rate to XXXX? %, then they took my husband off the loan and never notified me of the " new loan ''. I never signed the paperwork, never got an amortization schedule and didn't know what was done until months later. I thought they were still working on it because Truist customer service is the worst I have experienced. After getting a " fixed '' loan that I never signed, I noticed all my payments in some months were going to 100 % interest and nothing to principle. I asked for a rate adjustment and to review my loan payments. This has been going on for XXXX years now and the last person I spoke with ( XXXX ) told me to go ahead and report to the CFPB. XXXX said my credit hasn't been damaged and I can't prove anything. The market XXXX XXXX, that was working on a resolution never called back. I went to the branch and was told he was fired but they knew he was working on it. XXXX in XXXX would never call back or answer emails. The new market XXXX wouldn't call me back. Is it legal to refi a loan without my signature, take my husband off the loan, apply my principle to interest? And never got the lock I was looking for for months. I have filed multiple complaints because no one will respond or call me back.

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 2024-01-08 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: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
XXXX  I disputed All state credit bureau failure to add notice of dispute by consumer with XXXX 15 usc sec 623 failure to give notice of dispute which is a violation of FCRA and FDCPA... I DID NOT DISPUTE THE BALANCE ... ..Complain # XXXX though the CFPB..I demand this account be removed for this reporting error...

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a distressing situation I have encountered with my Chase Bank account. I am reaching out to express my dissatisfaction and seek assistance in resolving the matter. 

On XX/XX/, I fell victim to a XXXX scam where the perpetrator falsely claimed to be from XXXX. They suspended my cell phones on the account and requested payments to reconnect the service. Unfortunately, I unknowingly transferred funds from my Chase account under the belief that I was making a legitimate payment. It later came to my attention that this was a fraudulent transaction, and I promptly reported the incident to both XXXX, XXXX and Chase Bank. 

The amounts in questions are for 2 transactions with the amounts and the transaction ids {$310.00} {$670.00} XXXX payment to XXXX XXXX XXXX payment to XXXX XXXX Despite my immediate action and diligence in reporting the unauthorized transaction, I am disappointed to inform you that my efforts to recover the funds have been unsuccessful. I am troubled by the financial loss resulting from this unfortunate incident. 

I understand that maintaining the security of online transactions is a shared responsibility between customers and the bank. However, I believe that as a loyal customer of Chase Bank, I deserved a more proactive and supportive approach in addressing fraudulent activities, especially when it involves unauthorized transactions through XXXX. 

I kindly requested that Chase Bank thoroughly investigate this matter and expedite the process of refunding the funds to my account. The Fraud Claim # is XXXX. 
I am more than willing to provide any necessary information required to assist in this compliant. 

I trusted that Chase Bank values its customers and was committed to resolving this but unfortunately did not. I been going back and forth with XXXX and Chase for months. Chase Bank close my Fraud claim without making any attempts to contact me so was left thinking the this issue was still being investigated for months. Chase is saying they can not refund these charges because it came from the same IP address and Face ID token. The XXXX transactions were done on a computer not a mobile device and I was scammed. After escalating this to their management, they still will not refund these debits. I'm at a lost and I just recently lost me job on XX/XX/ and desperately need the money. 

Thank you for your understanding and cooperation in resolving this issue. I look forward to a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: CA

Complaint narrative:
This account that I am complaining about concerning Equiant Financial INC. I found a fraudulent account in my credit report. 
Now I recently found this company furnishing derogatory information about me. I sent Equiant Financial INC a letter of dispute of the alleged debt on XX/XX/2023 for validation of debt 12 CFR 1006.34 - Notice for validation of debts. I did NOT get a response from Equiant Financial INC. regarding this alleged debt. Unfortunately this company did not give me Lawful validation for the alleged debt under the FDCPA or responded to my validation letter. I sent on XX/XX/2023 to Equiant Financial INC a letter to cease and desist all communication between me and this company. I also requested Equiant Financial INC to provide me with the permissible purpose that they have the right to furnish anything about me XXXX XXXX in any Consumer Reporting Agencies. If Equiant Financial INC can not prove that I gave permissible purposes they must delete this account from any CRA. 
I did give Equiant Financial INC a chance in good faith to validate the alleged debt. This is a FDCPA violation and makes it an Identity theft under 18 USC 1028 A. Furthermore Equiant Financial INC is furnishing inaccurate information about the account. According to the IRS the definition of a charge off is considered Income. Income does not get reported to the CRAS According to XXXX, and this debt has a XXXX  balance according to the original creditor. What are they collecting on? The alleged debt has already been charged off through the IRS with a 1099-C Cancellation of Debt.

These are the violations of Consumer LAWS, and Criminal LAW.

15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports.

15 U.S. Code 1681 q - Obtaining information under false pretenses.

18 U.S. Code 1028A - Aggravated identity

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
XXXX XXXX XXXX breached the terms and conditions and violated my privacy pertaining to a checking account that I opened with them by sharing my non public information and information pertaining to my account with a third-party company by the name of ChexSystems without my pior consent. This breach is not only a violation to the terms and conditions that I signed at the opening of the account but is also a violation to 15 U.S.C 6801 and 15 U.S.C 6802.

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 2024-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I requested a payoff via email. Although the company responded, they did not provide a payoff quote and they also asked me to provide a payoff good through date. My objection is the the fee they are proposing to charge which is noted as up to {$30.00} for a payoff quote in the pasted statement below. I don't feel that I should pay a payoff quote fee to a mortgage company that is in the business of servicing my mortgage. Please forward this to your leadership and make them aware of this onerous fee. Congress should not allow mortgage companies to charge consumers such high fees to provide something that likely takes 1 push of a button. 



________________ From NEWREZ Mortgage _____________________________ Furthermore, if you wish to obtain the payoff statement, we can generate it for you if you provide the following information : 1. Payoff good through date 2. Whether you want the payoff statement mailed or faxed to you. 

Note : The good through date must be within the next 30 days.

Alternatively, you may order it by any of the following options : Option 1. You may call the customer service number listed below and place a request for a payoff quote via IVR.

Option 2. You may email us to request a payoff quote at XXXX.

Option 3. You may also fax a written payoff quote request through our fax XXXX XXXX XXXX XXXX.

Upon receipt of your request, a payoff statement will be faxed or mailed to you within 4 business days depending on your account product and status. You may be assessed a {$30.00} Payoff Quote Fee/ Demand Fee ( as permitted by state laws ). 

For your protection, we have removed any personally identifiable information from your original inquiry. If you have any further questions, please contact us through our website at XXXX  or call Customer Care at ( XXXX ) XXXX during the following hours : Monday to Friday : XXXX XXXX XXXX XXXX XXXX ET Saturday : XXXX XXXX XXXX XXXX XXXX ET NewRez XXXX XXXX Mortgage Services , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES. - DATE XXXXXXXX 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

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 2024-01-08 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Inaccurate information on my consumer report after being a victim of identity theft. I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ), addresses, ssn #, phone numbers, bank accounts, inquiries, emails on my credit report The following accounts on my report are inaccurate and was opened fraudulently without my Consent or Knowledge. I would like for you to remove all this misinformation from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Newport Intermediate Inc.
State: IL

Complaint narrative:
First of all this is XXXX complaints against the same shady XXXX, a corporation I KNOW you've heard a lot about, " North Lane ''. 

1 ) XXXX rebate " virtual XXXX ''. No XXXX fraud protection -- check out those terms ; ) And ... no card. I have a screenshot ( thank XXXX! ) of this useless " virtual '' card. Was not accepted ANYWHERE I tried to use it. Do a XXXX search for " North Lane XXXX rebate card useless '' and I think you'll find thousands of reasons for enforcement. Nobody could use this card. In order to get money out of it you MUST use the telephone and the " lost or stolen card '' option. There is no other way to get your money. I know that regulations require only live agents for this function and nothing else. That's unconscionable. I'm sure that the vast majority of Americans would agree. 

So this " fraud department '' answers and seemed very familiar with my demand -- a paper check for my {$150.00}. I know it's not a lot to most people but we are DIRT POOR. Just jumping through these hoops cost me wages. When I make a mistake with one of these " banks '' they take and take and take hundreds in fees. When they XXXX up I get nothing. I think it would be a great policy for a mandatory XXXX payment to each and every injured party at minimum. Corporations hate us. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they don't pay up yank their charter. I worked for a bank and we feared the OCC. XXXX XXXX XXXX XXXX XXXX XXXX 

I still have not received my check, It's been 10 days. Again they failed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-09 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: GA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-09 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: TX

Complaint narrative:
I am sending you this complaint to inform you that this company made an unauthorized inquiry on my credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: PA

Complaint narrative:
I have notified Experian multiple time regarding Identity Theft, I have sent FTC Id Theft Affidavit, Police reports and Copies of the original creditors that states that the account are fraudulent via certified mail XXXX however, Experian continues to ignore my request for blocking the fraudulent accounts as required by FCRA section 15 USC 1681 Experian continues to say that I obtained good and services without proof, those allegations are defamatory. I will attached in this compliant the letters from some of the creditors. XXXX. XXXX XXXX email XXXX XXXX. XXXX Bank which the account got sold to XXXX and XXXX Bank which account got sold to XXXX as well. 

Experian is clearly violating the law with complete disregard ( XXXX ) In general Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall.

in wich case i have Done so, however, they have said that i obtained goods and Services with no proof. Defaming me. I will consult with an attorney if this is no solved in 10 days

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 2024-01-08 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: NY

Complaint narrative:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks HARD INQUIRIES. - DATE 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

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