vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Wise ( formerly known as TransferWise ) for the abrupt and unjustified closure of my account on XX/XX/2023, resulting in significant inconvenience and financial loss. 

Account Closure Without Explanation : My account was closed without any prior notice or explanation. This sudden action by Wise has caused me considerable distress and confusion. 

Refund of Account Balance but Pending Transfers Unresolved : While the balance in my account was refunded to me on the same day, there were two pending transfers which have not been completed or refunded. Specifically, these transfers amount to {$940.00} USD and {$30.00} USD, respectively. The lack of information and transparency regarding these pending transactions is highly concerning.

Lack of Proper Communication and Appeal Process : I have not been provided with any opportunity to appeal this decision. The only response I received was from a customer service bot on XXXX, stating that Wise is in the process of due diligence. However, no details were provided about the nature of this due diligence, its duration, or when I can expect the resolution and refund of my pending transfers.

Financial Impact and Request for Resolution : This situation has resulted in a financial loss for me, as the funds from the pending transfers totaling {$970.00} USD are still withheld without a clear timeline for return. I request a thorough investigation into this matter and seek a detailed explanation for the account closure, the status of my pending transfers, and an immediate resolution to refund these funds. 

I trust that the Consumer Financial Protection Bureau will take this complaint seriously and assist in resolving this issue promptly. I am willing to provide any additional information or documentation as required. 

Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I had a Federal Perkins Loan while attending XXXX XXXX XXXX 

I became XXXX with life-ending conditions. I submitted a Total and Permanent Discharge to XXXX which was approved on XX/XX/2023. 

XXXX sent notification to XXXX XXXX XXXX for they and University Accounting Services were handling the Federal Perkins Loan. 

XXXX and XXXX received notice from XXXX on XX/XX/2023 notifying them that a TPD discharge of federal loans had been approved and to 1. Discharge the Debt on their end or 2. Return the loan to XXXX and they would discharge it themselves. 

Because of various complications, this item has been appearing/disappearing from my credit reports for 6 months, and every time it reports my credit score plummets. Sometimes it shows the account open, sometimes closed, other times with many, many negative/derogatory marks, sometimes in deferment ( which it isnt ), its discharged. 


As of today, XX/XX/XXXX, I was notified by the CRA that I had a series of seriously delinquent late payments on my report. 

I have 5x120 day lates, multiple 30, 60, 90 day lates as well. 

Ive tried taking care of this matter but it seems futile. 

My health is extremely poor, and I have XXXX XXXXXXXX including an XXXX which will at some point XXXX XXXX XXXX  suddenly. 

Im not asking for sympathy, but perhaps some empathy. My credit reports and scores are the first thing Ive been waking up to everyday, and its the worst feeling ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NY

Complaint narrative:
I have had XXXXXXXX loans since 2007. They are now owned by Mohela. I was in deferment for a lot of those years. I am currently working with the state and all my years that should have counted towards my PLSF are not showing as counted payments. I have reached out numerous times to them and they do not answer or disconnect immediately. They will not provide me with deferment dates or return calls. They have changed my payment schedule twice and I am receiving no notifications from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX  reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the 2nd account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my Equifax XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
XX/XX/2017 XXXX XXXX  reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement Midland Credit Mgt, the collection agency they turned the debt over to. Midland said that it was " two '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX Midland to provide me valid proof of the 2nd account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have Midland turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of 2nd " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime Midland wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
Subject : CFPB Case XXXX XXXX Credit Account Number Ending in XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent You stated that this account was properly investigated and you are currently reporting accurate information. HOW SO IF... 

Date of Last Activity is reported inaccurately XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 Date Of Last Payment is reported inaccurately. 
XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 This is grounds for removal. 

1

5 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. 15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer 15 USC 1681e
( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Delete this account

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 2023-12-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
Thank you for taking my call today regarding my lawsuit settlement questions about the loan I got with you guys back in XX/XX/XXXX. I attached my first statement from XX/XX/XXXX and my most recent statement from XX/XX/XXXX. The Rep I worked with set up my monthly payments to be autopay but it looks like instead of 1 monthly payment being taken out each month, every statement shows that {$110.00} was deducted from my checking account every 2 weeks for the last year ( totaling {$2600.00} ) but if you look at the statement, the loan amount owned has barley budged and its showing I gave late fees owed too which is impossible because he set up the autopay for me. If you could have someone call me that would be fantastic. Thanks so much for your help XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Deutsche Bank
State: VA

Complaint narrative:
I initiated an international wire transfer from my XXXX bank account with Deutsche Bank to my U.S. bank account with XXXX XXXX on XX/XX/2023 for XXXX. After two months of still waiting for my money to arrive, I called XXXX XXXX and they said I had to contact the sending bank, Deutsche Bank, and request a wire recall if I wanted to get the money bank. I then called Deutsche Bank and they said I had to open an investigation before they could request the wire recall. So, I opened an investigation with them, and about two weeks after I called again and they said the investigation had been closed, but the call center could not access the results. Only the employee from the branch at which I opened my account in XXXX, XXXX could look into the more in-depth response. So, I reached out to the person I opened my account with and he said he would make an additional inquiry about the wire transfer and investigation. However, this has not resulted in any further information. Every time I call the Deutsche Bank help center, all they say is that they will reach out to my contact at the branch bank to reach out to me, but I never receive any communication. I have tried to contact him again, and he has not responded. So, my wire transfer still has not arrived to my U.S. account, and the XXXX bank will not submit a request to call back the transfer, which is what I have been trying to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
On XXXX XXXX, 2020 I purchased a company vehicle because I had established business credit to obtain a business loan. XXXX XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up XXXX times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XXXX XXXX, 2023. I paid the first payment XXXX XXXX, 2023 online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XXXX XXXX, 2023 I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XXXX XXXX, 2023 and the representative notated the account and saw where I made the agreement and that department was closed. Today XXXX XXXX, 2023 I spoke to XXXX people and no one assisted our company. This is unacceptable and predatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NC

Complaint narrative:
On XXXX XXXX, 2020 I purchased a company vehicle because I had established business credit to obtain a business loan. XXXX  XXXX XXXX Ive had a hard time paying the loan because the company has been impacted by the Covid 19. After checking my personal credit report XXXX is reporting on my personal credit report. Ive signed up XXXX times for an extension and paid the extension and ally never honors it. They are still asking for the amount that was last due. 
Recently, I went into an agreement on XX/XX/XXXX. The first payment was due XX/XX/XXXX 2023. I paid the first payment XXXX XXXX, 2023 online. XXXX tried to take another payment from an account that I didnt authorize that. My extension payment didnt get noticed. In XXXX XXXX, 2023 I tried to make a payment and the system is requesting {$1000.00} instead of the required {$380.00} that I agreed to. I called on XX/XX/XXXX2023 and the representative notated the account and saw where I made the agreement and that department was closed. Today XX/XX/XXXX2023 I spoke to XXXX people and no one assisted our company. This is unacceptable and predatory.

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 2023-12-20 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: TX

Complaint narrative:
There is an account on my credit report from " OFFICE OF THE ATTY GEN '' which does not belong in my credit report and it is reporting totally inaccurate information across all Credit Bureaus. XXXX reports that I am 180 days late. XXXX reports that I am 120 days late while TransUnion reports that I have no late payments. This is a complete and blatant violation of the FCRA especially considering the fact that federal courts have already issued a ruling on this matter. Here is a summary of said ruling : " Federal courts recently have issued rulings about the use of consumer reports for the collection of an account under the Fair Credit Reporting Act ( FCRA ). 1 These cases note that certain definitions were added to the FCRA as part of the 2003 amendments ( FACT Act ). In particular, the word credit was defined. As a result of the new definition the position that is being advocated is that a collection of an account is a permissible purpose to obtain a consumer report only when the collection is in connection with a credit transaction. 
The courts have specifically rejected prior case law and FTC guidance that a judgment creditor had permissible purpose, noting that those decisions pre-dated the FACT Act. These cases have held that a delinquent child support obligation, municipal fines arising from parking tickets, and a statutory debt resulting from the towing and impound of an illegally parked vehicle did not arise from a credit transaction. As a result, the courts found that collection of those accounts was not a valid permissible purpose to obtain a consumer report. '' I am demanding that the above mentioned credit bureaus be forced to abide by the FCRA and remove this account from my credit report immediately.

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 2023-12-20 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/2017 Synchrony Bank reported a delinquency to XXXX for a valid debt of {$1100.00} with the account # ending in " XXXX ''. Years later when I attempt to negotiate a settlement XXXX XXXX XXXX, the collection agency they turned the debt over to. XXXX said that it was " XXXX '' accounts roughly for the same amount of money and I vehemently objected! Stating that I only rec 'd service from the dental company one time and one time only. I've asked Both XXXX XXXX XXXX to provide me valid proof of the XXXX account and name of the dental company here in XXXX Tx so I can go and prove this error yet they both refuse to do so! I finally got XXXX to delete both entries off my credit profile only to have XXXX turn right back around and put them both on my XXXX XXXX XXXX credit reports! I mailed a certified letter to XXXX requesting proof of XXXX " bogus '' account and name of the dental company that I rec 'd service from to no avail. In the meantime XXXX wants me to settle 50 % on both accounts w/o any proof or justification. I will send you all the documentation I have dealing with these two very unscrupulous companies! As they are directly stopping me from purchasing a home for my family, because I simply refuse to pay for the same account twice!!

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 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: OH

Complaint narrative:
I am getting e-mails from Chime.com regarding updates to privacy notices as if I was a costumer. I HAVE NEVER SIGNED UP WITH THIS COMPANY NOR HEARD OF THEM until I started to get e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I tried to communicate with the company on multiple occasion to explain that the debt owed is not mine, I did not ever applied for this credit card. I did not take out this debt. They started a wage garnishment and I tired to explain to them again this is not debt. 
Every time i tried to call them, they give me the run around and put me on hold for hours. This is unacceptable and i know my rights.

Company response to consumer: Closed with explanation