vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-05 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: PA

Complaint narrative:
Mohela notified that they were transferring platforms in XXXX, and that this would take XXXX months. During this time, it was impossible to make a payment since your could not log in to the old website ( and the autopay that I had set up was not withdrawn from on schedule ). On XX/XX/year> was finally notified that my account transfer was complete and I could make my new account on the new website. This alerted me that my account had been placed into an administrative forbearance from XXXX, and that my repayments would start XX/XX/year>. Today XX/XX/year>, they sent notice that there would be a " repayment schedule change '', which amounted to a notice that interest on my consolidated direct unsubsidized loans ( XXXX ) would be capitalized, even though I did not have a capitalization event as defined by Federal Student Aid for this type of loan ( ie did not request a deferment, did not change/leave my income driven repayment plan ). Nothing about my loan, payment, employment etc should have changed, but because Mohela is so mis-managed and corrupt, they have completely botched this transfer to a new website and are now going to be reaping benefits by capitalizing interest on student loans when they shouldn't be ( all so they can make more money ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I have always monitor my credit and have kept it above XXXX credit score, however, recently My credit score dropped XXXX points. It is unclear why the credit score dropped XXXX points. I have been making my payments on time, and never defaulted. 
In an attempt to contact the credit agencies, they really dont have a way to answer why the credit has dropped substantially. I feel that this needs to be corrected on my credit report and it should allow other citizens to be able to file a dispute with the credit agencies. This greatly puts citizens at a disadvantage when they attempting to get a loan as their interest rate will be higher due to the lower credit. It only benefits, the banking institutions and the credit companies. Thanks for your time look forward to bringing attention to this!

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 2024-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
My credit report shows that there were four consecutive inquiries beginning XX/XX/XXXX through XX/XX/XXXX from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX with an opening balance of {$280.00}. 

On XX/XX/XXXX a line of credit was fraudulently opened in my name for XXXX XXXX XXXX XXXX with an opening balance of {$75.00}. 

On XX/XX/XXXX the fraudulent {$300.00} credit limit for XXXX XXXX was exceeded, totaling {$310.00} balance. 

Each month the balance was not paid for the fraudulent account for XXXX XXXX it accrued in interest until the debt was sold to LVNV Funding LLC on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing 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 2024-07-08 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: OH

Complaint narrative:
Mohela does not show my forbearance payments made for XXXX and XX/XX/year>. Payments are sent from my bank ( XXXX XXXX ) directly to Mohela. Mohela has not credited my account. I do not want to contact them directly because they do not respond and getting to a live agent through the phone menu is impossible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Relay Financial (US), Corp.
State: ID

Complaint narrative:
Im asking relayfi to close my account but they arent willing to close my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: CA

Complaint narrative:
Hello, I have always monitor my credit and have kept it above XXXX credit score, however, recently My credit score dropped XXXX points. It is unclear why the credit score dropped XXXX points. I have been making my payments on time, and never defaulted. 
In an attempt to contact the credit agencies, they really dont have a way to answer why the credit has dropped substantially. I feel that this needs to be corrected on my credit report and it should allow other citizens to be able to file a dispute with the credit agencies. This greatly puts citizens at a disadvantage when they attempting to get a loan as their interest rate will be higher due to the lower credit. It only benefits, the banking institutions and the credit companies. Thanks for your time look forward to bringing attention to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, I got sued and more than 50 % of my paycheck was taken to settle a XXXX XXXX Credit Card that did not belong to me. It was taken out with XXXX social on XXXX of XXXX and during that weekend I was in the hospital. Therefore I could have not used the card. Nonetheless, there are XXXX cards under my name and social from XXXX XXXX. I reported it but it went into collections in just XXXX month of none payment after XX/XX/XXXX. The day I stopped working at XXXX. I say this because ironically my information was stolen of my mental health in XXXX of XXXX. Yet, for some odd reason my identity was stolen either before or after this incident. I only assume that it was before I had won or better yet, before they found out who I was in XX/XX/XXXX. Then in XX/XX/XXXX I approved I belonged in the Supreme Court. I am unsure of what happened but I will not stand for getting sued and my name slandered and libely used. Judges, lawyers, the government, specially the authorities have to know the facts before they proceed legally against someone. How can you not notice XXXX cards from the same company under the same social? Then have the audacity of taking me to court and not even using my correct name. I am so disappointed in our justice system. I was a young girl who wished to be part of this system and help the people but man they or whom ever it is has none stop trying to destroy me. Not even hiding it but its a slap to the face seeing all the evidence and not even the police taking action. Im a citizen of the USA and deserve the same respect and help and freedom as everyone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: FL

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to me.

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 2024-07-05 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
To Whom It May Concern : We are writing to inform you that we have filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your company 's failure to remove debts included in our federal bankruptcy. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( a ) ( 1 ), and the automatic stay provisions under Section 362 ( a ) of the United States Bankruptcy Code, debts discharged in bankruptcy should no longer be reported as active debts. 

Furthermore, any attempts to report or collect these debts are prohibited immediately upon filing for bankruptcy. 

Despite our previous attempts to resolve this issue directly with Citibank, the incorrect reporting of these debts remains on our credit report. This debt is still being reported to all three credit reporting agencies, and most notably, XXXX has continued to show the balance, late payments, and the debt to date. We expect immediate action to rectify this situation in compliance with federal law. 

Please confirm receipt of this notice and provide an update on the status of the removal of the aforementioned debts from our credit report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX Date of Birth XXXX XXXX XXXX Date of Birth XXXX : XXXX Last four of social for XXXX : XXXX Last four of social for 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 non-monetary relief
Consumer complaint received 2024-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up with my ongoing dispute regarding these collections accounts that are totally unrecognizable and erroneous.

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 2024-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I transferred XXXXXXXX XXXX from a us based XXXX XXXX checking account to a XXXX based bank account using sendwave. 
The sendwave app indicated that the transfer was successfull, and that I should follow up with the recipient bank account to verify. 
As of XX/XX/XXXX, the recipient bank has not received the remitance. 
I have provided all the relevant identification and statements to sendwave to prove the above. 
I have not heard back from them about my missing remitance after they initially responded saying they are following up with their local partner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-05 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: GA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 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: NC

Complaint narrative:
My account with ( XXXX XXXX, ROUNDPOINT MTG ) was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX, ROUNDPOINT MTG ) Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
call they were supposed to cr inst and lates fees didnt do that

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 2024-07-05 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company 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 2024-07-05 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: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section State
s : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023 I was sent a fraudulent wire From XXXX XXXX to my Chase bank account. 
It was detected as a fraud by chase bank, and they asked me if they could debit my account for the money Pending their investigation, I said okay. 

On XX/XX/2023, they debited my account for {$17000.00}. 

My previous balance in that account was {$48000.00}, Which made my balance {$30000.00} after the withdrawal from XXXX XXXX 

They sent me a check for {$13000.00}, but now they are holding the remaining {$17000.00} for over a year with no results. 

For the last year I've called at least once a week to try to get any kind of results why they holding my money, all they say they can send a priority e-mail to the money movement team because there is no number that I can call. 

This is been done at least 15 times, every time I call when I check with them they said they have no answer from the money movement team, or the closing team. 

They don't what the answer is. Two weeks ago I went down to the bank manager and had him send a letter off to the to the main person in charge of accounts. 

That supervisor e-mailed back and said they had tried to contact XXXX XXXX but they want talk to them for some reason, which is ridiculous because banks talk to each other all the time. That supervisor told my Manager to have ME call XXXX XXXX  and get an " indemnification '' letter proving that XXXX XXXX got the money Before chase bank could release my funds. 

I called XXXX XXXX  and they told me the Chase is Giving me the run around because they can't give me an indemnification letter, because they don't do that. The wire department person even asked " why isn't Chase handling this for you? " Why are they leaving it up to you to do this? '' they told me they can't give me any information or any kind of letter because I don't have an account with them. 

I've told this MANY times to chase bank and they keep telling me I have to have this letter in order for them to release my funds. 

XXXX XXXX  says there is no such thing as that letter and they could not give it to me anyway because I'm not a member at their bank even though I have a complete Copy of the fraudulent wire that was sent to my bank. 

Enclosed are the documents that I have to prove this case! 

This has been going on over a year now and chase bank just wants to wash their hands of me with no results!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Late Payments ( 15 U.S. Code 1666b ) Charge Off 's ( 15 U.S. Code 1601 ) Repossessions ( 15 U.S. Code 1601 ) Bankruptcy 's ( 15 U.S. Code 1681b ) Collections ( 15 U.S. Code 1692c ) Hard Inquiries ( 15 U.S. Code 1602p ) 15 is code 6802 obligations with respect to disclosure of personal informations I need all inquiries get removed! And 15 usc code 6805 Enforcement ( A ) To remove the inquirys And putting my score to 850 if you find any charge offs they are certificates of indebtedness which means its converted into money and you can not put onto credit report.

A Charged Off turns into a certificate of indebtedness Charge offs become income according to the IRS Publications Charge Offs only apply to my income tax so remove immediately!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I've disputed blatant factual inaccuracies on my credit report. XXXX XXXX  XXXX XXXX - XXXX, FDCPA Violation Collection account inaccurately reporting a Past Due amount. Collection account is by default past due. XXXX XXXX XXXX XXXX XXXXXXXX, FCRA Violation Date of Last Payment inaccurately reporting. XXXX XXXX XXXXXXXX, FCRA Violation Date of Last Activity has been illegally re-aged. Inquiries NOT authorized. NO permissible purpose ( firm offer of credit, insurance, court order, employment ). XXXX XXXX XXXXXX/XX/year>, XX/XX/year>. XXXX XXXX XXXXXXXX XX/XX/year>. I've asked Transunion to provide their method of verification which they havent & continue to report items they claim as accurate which are obvious violations & inaccurate information.

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