vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My wallet was lost while out eating with my family or at work someone got my wallet and withdrew the funds fraudulently without my knowledge out of my account right before my rent and XXXX they stole all of my money from my account that I was depositing fraud was committed on my account I then disputes these fraudulent charges With my bank and was denied for no apparent reason I conduct my life on being honest and will never rob steal or cheat anyone my funds was stolen and my claim was denied behind someone wording my claim wrong till this day I haven't received my funds I never in my life been dishonest and the way this bank I trust and deal with to handle all my future funds denied my rightful claim made me look at everything different it's a zero fraud liability I read up on this bank since bring denied i would more than anything for this person to be caught because what navy federal put me and my child through behind this on top of this person to about to lose everything i work hard for please help me i am being evicted on tuesday over a XXXX and transaction and a XXXX dollar transaction that was not me i really need help immediately

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: SC

Complaint narrative:
A company by the name of Hunter Warfield c/o XXXX XXXX has stated that I owe them a debt of {$1100.00}. This debt was recieved via mail and I therefore immediately replied making it known that the debt in question was not mine nor I was aware or involved within the matter whatsoever. This has been an ongoing matter and is in clear violation of all aspects on credit and consumer financial protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Nelnet sent a response that their information was correct and I was late on my payments. They sent payment records that did not include the previous payments that were made prior to the " late '' payment and how they were not appropriate applied to the past due amounts. I sent proof of the previous payments via email ( in reply to their email ) on two different occasions with no response. My credit score dropped by XXXX points because they reports 16 loans individually even though the payment was made. They are not responding to my email I sent with the proof or correcting the negative credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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:
On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-12-31 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:
On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXX, XXXX XXXX, & XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 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: CO

Complaint narrative:
This is a follow-up complaint from the initial complaint I filed on XX/XX/XXXX # XXXX. Please refer to this initial complaint for additional history on my account. This follow-up is warranted because the correction made to my account in XX/XX/XXXX still does not comply with the CARES Act for student loan income driven repayment income recertification. My account was updated in XX/XX/XXXX following my initial complaint with an IDR Recertification date adjustment from XX/XX/XXXX to XX/XX/XXXX. Due to the CARES Act, and according to information provided by the U.S. Department of Education on the fsa.gov website, income recertification for income-based repayment is not required and can not be required by loan servicers any date before 6 months after the end of the student loan payment pause. The earliest recertification for any direct federal loans based on this information would be on or after XX/XX/XXXX. Since my initial IBR income recertification date was scheduled for XX/XX/XXXX, this date should have been pushed by 12 months automatically and then based on the current scheduled end of the student loan pause, by another 12 months to reflect a date of XX/XX/XXXX. This would entail the same monthly payment requirement as was determined by my IDR application in the amount of {$170.00} starting with payments on XX/XX/XXXX to be certified through XX/XX/XXXX. I have called MOHELA customer service an additional two times to get the IDR income recertification date updated to be in compliance with the CARES Act twice since the last correction was made to my account with calls on XX/XX/XXXX and XX/XX/XXXX. The first call on XX/XX/XXXX, the customer service representative assured me that my account would be corrected and an additional call would not be warranted. Without any change occurring on my account in the subsequent 30 days, and the date in question coming up rapidly, I called again on XX/XX/XXXX to check the status and notify MOHELA that I would pursue an additional consumer protection complaint if the issue was not fixed within 30 days. I am requesting that MOHELA adjust my income driven repayment plan income recertification date to be in compliance with the CARES Act and therefore, the date currently reflected on my account of XX/XX/XXXX be updated to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CO

Complaint narrative:
A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, XXXX, or Experian. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, XXXX, and Experian continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.

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 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I AM WRITING IN REGARDS TO THE FRAUDULANT INQUIRES BEING REPORTED FROM MY CONSUMER REPORT. UNDER 15 USC 1681c-2 ( BLOCK OF INFORMATION RESULTING FROM IDENITY THEFT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNDER 15 USC 1681n ( WILLFUL NON COMPLIANCE ) I WILL SEEK LITIGATION VIA15 USC 1681n ( WILLFUL NON COMPLIANCE ) FOR ILLEAGALLY FURNISHING FRAUDULENT INQUIRES

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 2023-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
Hello my name is XXXX and I wanted to start off and say I have recently been a victim of identity theft and I also was scammed by someone who claimed they was a tax worker and they could file my taxes. I personally had no knowledge of this account in my name whatsoever until around like XXXX or XXXX through checking my XXXX XXXX app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE. XXXX. V XXXX ( MO ) 281 SW715, 719. I PRESUME THAT NO PROOF OF ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS.

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 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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 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 2023-12-31 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: EQUIFAX, INC.
State: OH

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 account number XXXX XXXX, XXXX account number XXXX XXXX XXXX Account number 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX an amount of XXXX was deposited to a current online banking debit card from XXXX XXXX XXXX when I noticed the deposit I called the bank and told them I did not authorize or approve the deposit into that account i told them I didnt have access/lost to my current debit card and told the I needed a new physical card they told me they canceled the card weeks prior so I assume it did not work. They told me the dont do refund on deposits and that I would have to get in contact with the sender I got in contact with them on XXXX XXXX I explained the situation to XXXX XXXX XXXX ( the sender ) they gave me a case number XXXX XXXX XXXX ( XXXX ) case number. They told me to give the 3 business and they would reach out to me I have yet to hear a response it is now XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX i received three ( 3 ) 1099C Copy ( b ) 's for the following creditors XXXX, XXXX XXXX, & XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: CA

Complaint narrative:
XXXX. This account is not mines. I asked them to validate the debt and they couldnt. I have no contract with XXXX collection agency. The statement received from XXXX lacks validated identifiable information such as but not limited to my name, account number, amount of debt and most of all my signed signature on any contract with XXXX or original alleged debtor. 

XXXX. This information is inaccurate. The request to validate this debt is not within the scope of the fair debt collection law. ( see attached Exhibit A ) In stead I was sent a type checklist of action they and alleged debtor created with checkmarks but lacks my signature and validation. ( See Exhibit B ) checklist from XXXX XXXX agency. I contacted XXXX and informed them of this, and they said this is all they were given. This checklist. They could not provide a contract with my signature.

3. In according with 15USC 1692 Validation of debt requires the XXXX must give the original contract with copy of the debt with their company name on it. 
4.1681s-2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
XXXX. I never had a debt with an alleged debtor. I had a federal student loan while attending school. This student loan was forgiven by the Federal government as part of the Total and Permanent Disable Act ( TPD ) see attached C Effective XXXX XXXX, XXXX as I became XXXX by the Department of Veterans Affairs. 

XXXX. The loan holder did not follow the guidelines as outlined by the Department of Education in which created this debt. ( see Exhibit D to report all loans ). 

XXXX. The Department of Education discharge approved XXXX effective XX/XX/XXXX. To take effect retro on my XXXX date XXXX. XXXX, XXXX, is the effective date of the determination by the Department XXXX XXXX XXXX due to service connected XXXX. ( See Exhibit 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 2023-12-31 00:00:00
Product: Mortgage — USDA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: STL HOLDING COMPANY, LLC
State: MS

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a billing error that I recently discovered in my account with XXXX XXXX This error is in violation of several consumer protection laws, including [ 12 CFR 1026.13 ( A ) ( 1 ), 12 CFR 1002, 1002.2, 16 CFR 681.1, and 15 USC 1601 ]. 

Upon reviewing my consumer report, I noticed a transaction receipt dated XX/XX/2023, indicating a mortgage transaction that was conducted without my authority or knowledge. I have not benefited from this transaction in any way, and it should not have appeared on my account. 

Given the circumstances, I request that you rectify this billing error promptly and take the necessary steps to remove the unauthorized transaction from my account. I also remind you that under the provisions of 15 USC 1640, 15 USC 1693 ( N ), and 15 USC 1691 ( D ) ( 6 ), XXXX XXXX may be held liable for your failure to comply with legal requirements. 

I kindly request that you investigate this matter thoroughly and provide me with a detailed explanation of how this billing error occurred. Additionally, please inform me of the actions you plan to take to rectify the situation and prevent similar incidents from happening in the future. 

If necessary, I am prepared to take legal action to protect my rights and seek compensation for any damages incurred due to this billing error. However, I hope we can resolve this matter amicably and avoid any further complications. 

I look forward to receiving your prompt response within 5 days of the receipt of this letter. 
Thank you for your attention to this matter and your cooperation.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/XXXX : Attempted to use the card to make a bid on XXXX- declined XX/XX/XXXX : Attempted to add the card to my XXXX XXXX- declined XX/XX/XXXX : Attempted to make an online purchase with a vendor that takes XXXX XXXX declined Phone support is entirely automated. My money is effectively locked away in an unusable virtual card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
To make it as easy as possible to get credit toward PSLF, I switched from the student loan servicer XXXX to XXXX. This loan servicer change went into effect on XX/XX/XXXX 

I was notified on XX/XX/ that my credit score decreased rapidly. This decrease in my score was due to my credit report falsely showing that I have identical loans through both XXXX and XXXX. 

Thinking it would take time for my credit report to accurately reflect the correct information, I waited until XX/XX/ to submit a dispute through Experian.com. I received an email on XX/XX/ from Experian stating that my dispute was " resolved. '' This is incorrect as my credit report still reflects that I have identical student loans through XXXX and 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 2023-12-31 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: CO

Complaint narrative:
A collection appeared on my credit report on XX/XX/ for {$1000.00} from XXXX XXXX XXXX. Over the past year, I have fought this inaccurate collection, with no success and no additional information provided by XXXX XXXX XXXX, Transunion, or XXXX. XXXX is the only credit bureau that has understood the issue and correctly removed the collection from my credit report. XXXX XXXX XXXX, Transunion, and XXXX continue to not listen or respond to my complaints that this collection has been incorrectly added to my file.

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 2023-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
This is in regard to Venmo, XXXX # XXXX. 

On XX/XX/ I received XXXX, a cryptocurrency, from a friend who owed me money for a shared bill. Upon using Venmo to sell this cryptocurrency, so I could cash it to my bank account to pay said bill, Venmo limited my account. With this limitation, I can not gain access to this money, causing me additional late fees for the bill. I submitted a ticket with Venmo on the same day, and received the confirmation for Ticket # XXXX at XXXXXXXX XXXX stating that they will get back to me in approximately 7 business days because they need to " escalate it ''. I've reached out a few additional times throughout the week for an update, but can not get ahold of anyone, nor can I get ahold of anyone on a phone call. 

As stated before, Venmo is causing me additional late fees because they are withholding my money from me. Since I can not seem to get support through them, I have decided to file a complaint with the CFPB.

Company response to consumer: Closed with explanation