vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: CT

Complaint narrative:
I receive a free XXXX  phone. when I changed companies they told me that the phone is not free anymore because I changed companies. the reason I changed companies is because my bill was getting to expensive. They said I couldn't return the phone but I never got anymore information. I thought this was cleared up. now I am receiving this big bill amount. I am on Social Security so if you work with me on payments I could try to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXXXXXX  company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX while I was asleep hacked into my chime account ( not been made clear how this was possible ). Then made a transfer of {$3200.00} from my savings to my checking account and then transferred {$3200.00} into another users account using the pay friends feature that user is XXXX. Once I found out I had been hacked around XXXX the same day I changed my account information completely and I attempted to contact and dispute the charge and they denied it instantly every attempt to call is met with the same rehearsed lines of we understand and our investigations team is working on it. Im honestly not sure as to how my account could have been hacked as Ive been a member of chime for a bit over a year and nothing like this has ever happened before. I have a text that I received the next morning that my number was changed on the account to a number that Ive never seen before and when I sent that to them they said it was not sufficient. I will upload that screenshot as well as other screenshots of the transactions and the user. I just would like to get my money back I worked really hard to save it up. The customer service team at chime was nice overall but not very helpful and didnt offer me much peace of mind that I would be getting my money back. My account was compromised and I think they are under the impression that I made a purchase. Any assistance with my issue you could provide will be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have sent multiple dispute letters to the bureaus regarding the fraudulent accounts on my credit report. It was more than 45 days since but I did not receive any response or results. I want actions and I know they did nothing regarding of my concern.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
I called the company and told them that this debt was not mines I also mailed them letters disputing this inaccurate information. 
XX/XX/2022 I certified & mailed letters to each credit bureau reporting this inaccurate information asking them how they came about this information. 
I also showed proof that this account was previously deleted and I provided the report # associated with this information. 
They continue to report and revolve PAST DUE on a collection that has already been disputed. They have not provided me with my signature on any of the accounts that they say were verified.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am writing to dispute fraudulent charges on my account, XXXX XXXX XXXX, LVNV FUNDING LLC, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX. I am a victim of identity theft, and did not make these charges nor did I authorize or approve these accounts to be opened. I am requesting for these accounts to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Since XX/XX/2022, the account has been disputed with Chase Bank multiple times. Chase refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
On XX/XX/2022 Wells Fargo made a {$11000.00} payment to XXXXXXXX XXXX  to transfer the balance. Wells Fargo then again on XX/XX/2022 mistakenly and without my authorization or request made a second payment of {$10000.00}. This caused an overage of payment and a credit balance with XXXX, but also created a situation where I am now {$10000.00} over my " credit limit ''. Wells Fargo is charging me two transfer fees and over-the-limit fees. This was 100 % their mistake. I called after my card was declined and Wells Fargo said I have to work out the refund with XXXX! I was told I had to call XXXX  and request a refund and then pay them back. The credit card company who made the payment should be able to work directly with the credit card company who received the over-payment. I as the consumer should not be harmed by this mistake either with fees, penalties or poor credit reporting. I have no control over what CC companies pays another and yet the solution had landed squarely in my lap to " fix '' this mess.

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 2022-12-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: CA

Complaint narrative:
My student loans were transferred to Mohela in XXXX or XX/XX/XXXX. 

I have been pursuing public service loan forgiveness ( PSLF ) since XX/XX/XXXX and all of my interactions with Mohela have been related to my PSLF process. 

In XX/XX/XXXX I submitted my final employment certification form for PSLF, certifying that I had been working in public service for 120 months ( the requirement for PSLF forgiveness ). 

In XX/XX/XXXX, my employment certification form was processed and my Mohela account was updated to reflect 120 months of qualifying PSLF employment/payments. XXXX qualifying months is what is required to have the remainder of your qualifying student loans forgiven. 

I have inquired several times to Mohela ( via email and the online chat function ) over the last several weeks about the status of my account. Typically, once someone reaches XXXX qualifying paymens their information is forwarded to the Department of Education to verify and request forgiveness. However, each time I have inquired I have either received no response ( I emailed the Mohela military address XX/XX/XXXX and still have not received a reply ) or have been told there is no update to provide about my account status, that I just need to wait ( I have received this response several times via Mohela 's chat feature, most recently on XX/XX/XXXX ). To me, this is completely unacceptable. I have reached the requirements for forgiveness, there is no reason that Mohela should not be doing their part to allow me to achieve forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On or about XX/XX/XXXX, I inquired with XXXX by providing a letter, asking if they would remove derogatory information from my credit profile which is reported to the three credit agencies. The attached letter will provide the background information for my request to remove the derogatory information, but I will provide some brief context. 

I submitted a few request to the credit agencies disputing the accuracy of what was being reported to my credit report as I believe it was not accurate. 

I purchased a vehicle in XXXX, which XXXX financed. In XXXX, XXXX took repossession of the vehicle because I was unable to payment. I received notification the vehicle would be repossessed. The vehicle was sold for more than what it was worth ; thus, I received a check for the excess. XXXX did not follow Georgia 's O.C.G.A. 10-1-36 law as it relates to notification where the the creditor must notify you of the time and place your car has been sold. 

I reached out to XXXX in XX/XX/XXXX to ask if they would be willing to remove the derogatory information from my credit report and after speaking with a representative of the CEO of XXXX, the young lady stated that would not be possible. She said by law they are required to report to the credit agency which I indicated was not the case, but a choice. A choice that I signed allowing XXXX to conduct when I signed the vehicle purchase agreement. The young lady also stated that the derogatory information would fall off my report in XXXX of XXXX. 

I take full accountability for not paying my obligation ; however, had I known there was a possibility of me retrieving my vehicle back, then I would have taken that option rather than damage my credit for 7 years. 

My dispute is in accordance to Georgia 's O.C.G.A. XXXX law, the repossession process was not followed completely by XXXX ; especially since they were unable to provide the letter indicating the date/time/location of the sale to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX there was a wire transfer from my bank to a XXXX XXXX that was not authorized by myself. Scammers hacked into my account. I contacted my bank to stop the wire transfer, it did not happen. Filed a complaint with my bank they denied my claim. Claim # 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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Since XX/XX/2022, the account has been disputed with XXXX XXXX  multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Since XX/XX/2022, the account has been disputed with XXXX XXXX multiple times. XXXX refuses to delete the inaccurate trade-line from all three credit bureaus. The vehicle was sold at an auction for less than what it was worth. The company is trying to collect on a balance that was already paid when the car was sold at the auction.

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 2022-12-14 00:00:00
Product: Credit reporting, credit repair services, 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 2022-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Since XX/XX/2022, several dispute letters were sent to the agency for debt validation. The debt was sold to a collection agency. The agency failed to provide written notice of the debt. In XX/XX/2022, I sent in a dispute letter requesting validation, proof of license to collect in XXXX XX/XX/2022 I received notification that a judgment was issued against me for {$630.00}. I was never formally served with notice of a pending suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I have a Wells Fargo Home Rebate card which I pay in full monthly. On XX/XX/XXXX, I logged in and scheduled my payment in full of {$4000.00}. I erroneously scheduled the payment for the same day rather than the due date. I realized the error immediately and tried to cancel the payment. There was no option to cancel. I called Wells Fargo and the representative said he would cancel the payment when posted. I wanted to make sure there was no effort to present the payment. I was told that it shouldnt. Unfortunately, the payment was presented to my bank which cause many issues with my account. I called on XX/XX/XXXX to see when the reversal would take place. I was told it would take 20-15 business days. This is absolutely ridiculous for an error that I should have been able to correct online. Within 10-15 business days, the regular payment will be due causing more problems.

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