vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 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: FL

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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account XXXX Account Name : XXXX  Account Number : XXXX ============================= 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 of 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 2023-10-18 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: PA

Complaint narrative:
I have been in constant communication with Mohela to make sure all of my PSLF-eligible payments are counted. In the course of this communication, they told me my payments for the first year after the repayment pause would be {$0.00}. I logged in one day to check my PSLF tracker ( which is still lacking 17 payments I have previously verified ) and noticed that my billed amount was now {$780.00}. I have not been able to get an answer as to why this change happened so suddenly or even if it is real. I have also not been able to get my PSLF tracker count updated to accurately reflect my payments over the years despite multiple phone calls and emails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: SELECT PORTFOLIO SERVICING, INC.
State: DC

Complaint narrative:
I applied for a loan and the loan was denied because my mortgage statement indicates I deferred a loan payment, which I didn't request to be deferred and through discovery, the mortgage company stated I contacted them to request a payment deferral due to a financial hardship, which I never requested and later, it was stated in their response, my account was reviewed in XX/XX/XXXX, and an investor requested the payment be deferred and I was never notified of the decision that was made on my mortgage account by the mortgage company, which I had been pay my payments during the start of my loan modification with XXXX XXXX and the other mortgage serving companies, with no issues, until the moratorium that was put in place by the government on Rent and Mortgages, the company deferred my payment which I always paid within the same month, the payment was due and I was denied the loan I applied for with my bank. 

On XX/XX/XXXX, I XXXX a cashier 's check to XXXX in the Ombudsman Office attention from my XXXX XXXX account to pay the deferred payment, which a signature was requested and the confirmation of delivery shows the company received the payment on XX/XX/XXXX. 

I am requesting my account be updated to reflect the payment for the deferred payment, since I never requested to defer my payment and they agreed to remove the late fees as a courtesy, if I could show that I had PAID my XXXX, XXXX and XXXX mortgage payments, which I sent them and it was later stated I didn't defer my payment but the reviewer on my mortgage account in XX/XX/XXXX, deferred the payment.

If Covid and the moratorium never happened, my payments would have continued as I was paying before the end of the month, prior to SPS Mortgage Servicing picking up my account from XXXX XXXX in 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 2023-10-18 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: Self Financial Inc.
State: OK

Complaint narrative:
I filed XXXX XXXX bankruptcy in XX/XX/XXXX, self, inc  was not part of that. In XX/XX/XXXX due to a divorce I converted it to a XXXX XXXX bankruptcy that was discharged XX/XX/XXXX of which self, inc was included. Self did close my account, but later opened it again, I sent self, inc, XXXX and XXXX paperwork of my XXXX XXXX discharge and they have refused to remove the 150 days late self, inc had reported me.i recently had to pay an extra XXXX dollar deposit for an apartment.This item needs to be removed from my credit files and monetary damages be levied against self, and XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sunset Management, Inc
State: GA

Complaint narrative:
Sunset Finance of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX Opened : XXXX XXXX XXXX Reported : XXXX XXXX XXXX  Last payment : XX/XX/XXXX Account status : Paid & Current Company made a hard inquiry on my XXXX report on XX/XX/XXXX the same day the last payment was made. 

Reporting a derogatory erroneous account information on my XXXX and XXXX Credit reports even though the account is paid in full and current

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 2023-10-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Possible Financial Inc
State: MO

Complaint narrative:
I have a defaulted loan with Possible Finance. I am unable to pay the loan in the app, I have been unable to pay in the app since it defaulted. I emailed customer service several times and am never provided a way to pay yet they are reporting a negative account on my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I WIRED XXXX XXXX A TOTAL OF XXXX ON 4 DIFFERENT OCCASIONS THRU BANK OF AMERICA XXXX TO ANOTHER BANK OF AMERICA CUSTOMER WHICH IN MY CONTRACT I WOULD BE EXPECTING XXXX ON XX/XX/2023 AND OF COURSE WHEN IT WAS GETTING CLOSER TO THE PAY OUT DATE HE STOP ANSWERING MY CALLS LAST ADDRESS I HAD FOR HIM WAS HIS PLACE OF BUSINESS WHICH IS LOCATED IN XXXX VIRGINIA. I CONNECT MY BANK WHICH THEY TOLD ME IT NOTHING THEY CAN SO I DROVE TO VIRGINIA ON XX/XX/2023 AND FILED A COMPLAINT WITH THE DISTRICT COURT WHICH WAS SCHEDULED FOR XX/XX/2023 I DROVE BACK TO XXXX FOR THE JUDGE TO TELL ME ITS NOTHING SHE CAN DO. I REACHED OUT TO THE ARMY/MILITARY BASE BECAUSE I KNOW HE IS IN THE ARMY AND HAD NO SUCCESS.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I made two payments and my available balance is on hold. They took the money from my bank account but the balance wont be available until XX/XX/24 so Im left without money for an entire week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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 XXXXXXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )

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 2023-10-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: OK

Complaint narrative:
On XX/XX/XXXX we called the mortgage company and told them our house is for sale and the buyers will close on XX/XX/XXXX. We stated we had moved but our daughter still lives in the house. Today XX/XX/XXXX, a Contractor from Mortgage Consulting showed up at my house and when I asked her what she was taping to my door she said its a no trespassing vacant sign abandonment notice and that shes sent out when a house is in foreclosure. We have a VA loan with Freedom Mortgage and we missed XXXX and are late for XXXX but we are not 120 days late and not received any type of notice other than a letter to contact them about making a payment ( which we did XX/XX/XXXX, day before they sent someone to post our house is vacant/abandoned ). I called Freedom Mortgage and the guy apologized and said theres no reason to do this for being behind 2 payments ( not even 60 days ) and would note our account. How is freedom mortgage legally able to do this and why are they trying to say its abandoned when we reached out to them and clearly told them what was going on? I have the whole conversation with the contractor on video, please keep this in mind in your response.

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 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I received an email stating I have an hard inquiry with Barclays Bank Delaware. I never applied for that nor have I ever heard of them as well. It says the date was XX/XX/. This was done without my consent I had no knowledge until checking my email and credit report.

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 2023-10-18 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: MI

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-10-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )

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 2023-10-18 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.

( Pub. L. 90321, title VIII, 805, as added Pub. L. 95109, Sept. 20, 1977, 91 Stat. 876. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX took XXXX $ from my account for services they didnt do. I requested a refund and waited almost 2 weeks for them to text me and say the refund request was denied and its between me and my bank now. I also disputed the claim with cash app and they gave me the XXXX $ back but now they reversed it and said the claim was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Payward Ventures Inc. dba Kraken
State: CT

Complaint narrative:
On XX/XX/2023 I attempted to withdraw my funds from Kraken Crypto company, a US based company. After over 10 phone calls to Kraken and multiple emails from team members, I have not received my withdrawal funds to date. It has been over 72 hours of emails that are duplicates. Kraken keeps gas lighting me and telling me that another team member needs to review my request to withdraw my monies. Every team member i spoke to told me another team member needs to review my request. On Monday, XX/XX/2023 I received and email that my withdrawal was being processed. Today is Wednesday XX/XX/2023 and I have not received my refund in my bank account. Kraken told me it would be routed to my bank. I called Kraken last night to check on the status and a team member told me that another team member would have to contact me via email. This has been going on for over three days now. I have filed a complaint with the FTC against Kraken Crypto. Kraken is holding onto members money and using gas lighting excuses for not refunding their members. This is unethical business practices and Kraken is committing fraud. They are refusing to refund me my money, they are refusing to give me status of my withdrawal, they are holding onto money that is not their money, they are gas lighting members, they are committing fraud against the american public. I am asking for an investigation against Kraken Crypto company, a US based company. 
Thank you. 
Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-10-18 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: Nelnet, Inc.
State: NY

Complaint narrative:
I have tried to get confirmation that my account is set to not advance payment date. There is no way to do it on their website, which is frequently broken. I emailed them and got no reply. I sat on hold multiple times. 

Also it's ridiculous that my account shows as past due for several days when I have autopay turned on. This servicer is so much worse than great lakes who held my loans previously. I am unable to get ahold of them for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: VA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief