vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CA

Complaint narrative:
Loan originally serviced by XXXX was transferred to Mohela. Requested refund of voluntary payments made during Covid pause in XX/XX/XXXX. I was informed that this could take up to 90 days because Mohela needed to request payments from XXXX. Received partial refund ~ {$2000.00} directly to my bank account and FULL loan balance was restored in XX/XX/XXXX. Called to follow up with Mohela at this time and was told that the remaining money would be issued as a check from the treasury department. Called to follow up in XX/XX/XXXX and Mohela said they could only tell me that the check was sent but could not do anything further. Called the treasury department and was told that the check was likely lost in the mail and that Mohela would need to request a stop payment and re-issue of the check. Called Mohela to request this and was told it would be completed and that a new check should be received within 30 days. Requested that my loan balance be adjusted until my refund had been re-issued as this is an inaccurate depiction of money owed and was assured that I would receive my refund shortly. Called again in early XX/XX/XXXX and was told that the check payment was stopped but that the re-issue of the refund was not completed and the request was possibly done incorrectly. I again requested that my loan balance be changed to reflect the lack of refund and was again reassured that I should receive my refund shortly now that the correct request was submitted. Called again mid XXXX and was told the process can take up to 30 days due to treasury department processing. Called again XX/XX/XXXX and was told by that the request for refund was only re-submitted on XX/XX/XXXX and that it may take up to 90 days from that date to receive a refund. Mohela could not provide me with a check number to follow up. 
I have spent an inordinate amount of time on the phone with various representatives, often getting misinformation, being transferred, and being asked to follow up with other departments on my own. I have been continuously given false timelines about when I can expect my refund under a law designed to prevent financial hardship during a pandemic. I have suffered a great deal of undue stress during this process as well as an undeserved drop in my credit score due to an inaccurate reflection of my loan balance and debt to income ratio. I have also lost potential capital gains and the ability to do what I intended to with my 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 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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. 


Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Account name : XXXX XXXX Account Number:XXXX Account name : XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26 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: OH

Complaint narrative:
I have requested the three credit bureaus ( Equifax, XXXX, and XXXX ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have requested the three credit bureaus ( XXXX, XXXX, and Experian ) investigate numerous inaccuracies on my Consumer Reports. They have not investigated thoroughly and have not corrected my report. I have disputed online and via letter.

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 2023-05-26 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great 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 2023-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal reference number : XXXX Paypal XXXX to block my business without any reason. I use paypal to receive and send money to my suppliers simply. I am a customer since 2018 and yesterday they blocked my account and my money. Paypal XXXX reference number : XXXX Here is their message : You can no longer use PayPal. After studying your account, we have decided to restrict it permanently, as it presents potential risks. Therefore, we can no longer offer you PayPal services. No card or bank account registered on your PayPal account can be deleted or registered on another account. You can still log in and view your account information, but you can not send or receive money. If you have money in your PayPal balance, we will suspend it for up to 180 days. After that time, we'll send you an email telling you how to access your money. 

I have familiy, my account paypal it's important for me. Every day i receive money from paypal. I have nothing problem before. I'm not criminal. 

You can check my historic paypal. My customers so happy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX both accounts open opened XX/XX/2017 balance XXXX and XXXX This accounts is no longer open the balance has been satisfied and brought to XXXX TransUnion has not been reporting information on my account accurately and completely I have contacted the original creditor and they verified my account is closed and paid in full XXXX and XXXX has reported the correct information Violation of 15 usc 1681i 6 ( b ) ( iii ) ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( 7 ) Description of reinvestigation procedure. -- A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2023-05-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXXXXXX

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MD

Complaint narrative:
Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.

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 2023-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
The Bank entity known as Truist purchased/took over servicing of my mortagage. I did not obtain a mortagage from Truist, they bought my mortgage without my knowledge or consent. I live in XXXX XXXXXXXX XXXX, the closest Truist bank branch is in XXXX, thousands of miles away. 

Truist sent me an email that mentioned logging onto my online Truist Account, which is how I manage, pay and track my mortgage, will serve as consenting to binding arbitration for any future disputes which may arise surrounding my mortgage. There were no instructions or provisions for opting out of arbitration. I called Truist to inform them of my my non-consent to arbitration. I was then informed that I would be permanently banned from online services with Truist and any log-on or use of online services would constitute my consent to arbitration. I informed the agent that I believed this course of action to be unfair and illegal. I spoke with XXXX XXXX, a " Customer Care '' Supervisor at XXXX XXXX XXXX  XX/XX/2023 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 2023-05-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

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. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26 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: TN

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. 


Account name : Untitled Account Number : XXXX Account name : XXXX Account Number XXXX XXXX Account name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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.

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 2023-05-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent.

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 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Please investigate these inquiries as they were inserted on my credit report without my authorization. I called XXXX to ask why my credit was pulled without my authorazation and I was told that It's nothing that can be done by law It say that All information reporting should be 100 % accuarate and these inquries is not. Thanks again

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Someone took a loan out in my name, they used my checking account and email address. 

Im willing to send the money back to the company minus the money they have taken from my checking account. If it was an error on their part then I will return what was deposited in my checking account - minus what has already been paid to them. There were bi-weekly payments being taken from my checking account. I did not authorize this loan to be taken out in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
XXXX XXXX XXXX DENIED my request to change my payment due date to the XXXX of the month for more than a year ago. Thus, access my bank account 2 times per month on the XXXX of each month and then REPORTING to the credit bureaus INCORRECT INFORMATION about my payments. I should be compensated for this inconvenience because the INCORRECT INFORMATION has affected my credit score as well. 
I also would like to QUESTION the APR because I was given an APR of 16 %. While my white counterpart who 1 a man and the second a woman with the same credit score got a LOWER APR. 
I will like to get REASON ( S ) why my APR was so high when I have a SSD check yearly statement as proof of my INCOME, lived at the same RENTAL since 2014, paid all my utilities gas, water, heat, cable and electric bills as well. One the the white person who received a LOWER APR WAS HOMELESS AND THE OTHER HAD A CREDIT SCORE OF XXXX I believe that I received a HIGHER CREDIT SCORE as per a NORM for XXXX and XXXX people who are doing business with 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 2023-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On the night of XX/XX/13 my wallet was stolen, nearly {$1800.00} was taken out of my account and the first thing I did was get in touch with my Bank ( Wells Fargo ) and inform them of the same. The transactions first went pending and in a day or two were authorized. I tried contacting the Police about the same and was told that I'd need to get a subpoena to gain access to the ATM footage. Since then, I've constantly been in touch with my bank trying to get my money back. I submitted a claim which after investigation was rejected. I provided the bank with screenshots and nothing has happened so far. I have an email from the bank stating that they suspected unusual activity on my account. All I'm trying to do now is to get my money back and the bank hasn't been helpful at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
I received pre-approved offer of a credit card from XXXX, which I accepted online. Approximately 10 days later, I received a letter from XXXX, denying my card for the reason of : " Elements associated with fraud. '' I have never committed fraud. 

I am not aware that fraud has been committed on any of my accounts, which I monitor regularly and balance my accounts each month. 

When I contacted XXXX to receive an explanation, I was transferred several times, and none of the departments understood the issue, none were able to correct, and each wanted to quickly pass me off to someone else, who in turn lacked the basic skills to address this problem.

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