vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-16 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: OR

Complaint narrative:
I had long term loan w XXXX paying for over 15 years on time. With new XXXX terms I was strongly encouraged to file for XXXX relief. I was told I must consolidate my FFLEP loans and transfer to MOHELA. XXXX Mohela account number is XXXX. ** I called XXXX to discuss and MOHELA before applying in late XXXX. In XXXX loan data it showed payments back to XXXX. My payments thru Navient were under {$300.00} until I was told to consolidate by XXXX along with PSLF app. I contacted Mohela and was advised to send XXXX app at same time as consolidation app which I did in XXXX. But once submitted ALL records of my past payments are missing in XXXX and not credited by Mohela towards forgiveness! My new interest is good but starting in XXXX my payments will be {$700.00}! My work history appears to have qualified ( as it should ) but NO CREDIT towards forgiveness for all those years. They have this posted on website as my PSLF status. 
Received Date Status Description XX/XX/XXXX Processed A notice has been sent. Please allow 7-10 business days for the notice to be received. I called Mohela and they reported previous payments will be posted once confirmed. Confirmed by whom? No record yet and my credit report reflects total debt the same w payments due next month. This makes me worse off than I was. Please investigate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: GA

Complaint narrative:
I have started the my dispute process with this company in XXXX XXXX Their investigation was a generic response ( please see attachment ). 

There are a number of inaccuracies on my report such as addresses, late payments, inquiries, collections, and negative accounts. 

This company has failed to comply to my previous request. This company has violated three of the FCRA codes. This is a breach of my privacy rights. These codes are Section 604 16USC 1681B, Section 605A 16USC 1681C-1, Section 605B 15USC 1681 C-2. They are refusing to modify the investigation. All of my letter have been sent certified mail. Please see attachments below.

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 2022-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/2022 I tried to file a claim on my prepaid card I never received, and I was wrongfully denied. I've been trying to get the cash back that had been taken from my account. Bank of America stated the had a " XXXX liability policy '' for customer protection on fraudulent transactions on the account. I called the claim department and I was told to periodically check back in. This was the XXXX time an incident like this had happened to me. So I waited for about a week I got a police report. Also sending in a picture via fax of my id, just like the claims agent suggested. And for it was originally denied using there fraudulent filter they had just been instructed to stop using by a federal court judge in XXXX. I had received a packet in the mail from the bank giving me a picture and information on the evidence being used to guide their decision. And it was clear that I had received an automated response because they have my id picture I sent. And it's clearly someone I don't know. I have called all year long and was told my claim was stuck in pending. And I've been lied to and neglected and been unfairly treated trying to call the claim department seeking a simple response for a conclusion for my claim and since their filter originally denied my claim I would not receive any provisional credit. I've called all year long, they originally told me it would only take XXXX days to reach a conclusion. After that time passed I was told XXXX business days. Then after that passed they only offered to put in numerous complaints on my behalf even when I ask not to, because I felt like I was closed in running into dead end after dead end, with the claims department the full calendar year of 2022 they still tell me my claim status is stuck in pending and there is no time frame to reaching a conclusion and they can take as long as they want, this is absurd. I would like for a this this to be settled. And paid finally because the claims department for bank of America is very unprofessional. And I do feel as if the members of claims do not care. I did everything I possibly to help the process and in return they play games and delay when they could simply fix the problem. Thank you

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 2022-12-16 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: EQUIFAX, INC.
State: LA

Complaint narrative:
So I sent a letter XX/XX/2022 here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 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: LA

Complaint narrative:
So I sent a letter XX/XX/2022 here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.

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 2022-12-16 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: DE

Complaint narrative:
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting furnish a account without my written instructions.

15 USC 1666B : A creditor can not treat a payment under a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
The debt was charged off by BANK OF AMERICA in XXXX and now there suing me for something that according to the IRS a 1099C must be filed and send a copy when they do so for a debt of {$600.00} or more as a canceled debt. This came from the IRS Publication 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 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, my issue is related to Experian credit bureau and Experian online website serviced at : usa.experian.com I have access to their free credit report and have had this for quite some time, over 3 years easily. Access to their website and my report has never been an issue and I have never paid for any access to it. I recently ( XX/XX/2022 ) found that Experian had been deducting a payment of {$9.00} from a card they have on their file and had done this until I stopped it this month. I asked how this was even possible, since I did not ask for a paid subscription at any time. I could not be given an answer. I was told I could dispute the charge with the bank, which was paying the bill, but that makes no sense. The charge was initiated by Experian and it was Experian that enrolled me in their service. I didn't ask for this at all, so my dispute is not with the bank but with Experian. It sounded like a buck passing so I decided to get Infront of the issue and contact the CFPB because I'd like to get my money back. As I have stated prior, I have used Experian for many years for free, and did not need any paid access to anything, financial or otherwise and so it is my belief that I was fraudulently enrolled in a service and billed sight unseen. I do not think this is correct for a company to do. I am asking for assistance based on this issue.

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 2022-12-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ordered a part for our part shop. He was on the phone with someone that claimed to be from XXXX. He got put on hold and the person somehow got ahold of his bank account and was sending money to themselves through XXXX. They were sending {$1300.00}, {$500.00}, {$2900.00}, {$2700.00}, {$500.00} and {$3500.00} to people outside of the US. A week after this scam, Bank of America sent him an email stating they had a crisis about the XXXX scam. We received a letter on XX/XX/XXXX stating they are unable to approve the claim on several different accounts. We have about 4 business accounts that they took money from. The claim numbers are : Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX, Account ending XXXX XXXX I have gave Bank of America authorization for CFPB to proceed with my complaint .

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 2022-12-16 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: NC

Complaint narrative:
I applied for an XXXX XXXX thru XXXX XXXX. they approved and sent out a card. I could not get the card activated so I called to activate ( XX/XX/XXXX ) They could not activate card after 2 months back and forth calls. They told me to reapply which I did ( XX/XX/XXXX ) the second card was activated and I have been using it since XX/XX/XXXX. I recently checked my credit report and found XXXX XXXX had reported the first card which was never activated, used, or had a balance of any kind as a charge off on my credit report. I immediately called XXXX XXXX ( XX/XX/XXXX ) and after multiple calls they told me I had tried to open a card with them with my fathers XXXX XXXX  this was not true and they had given me a second card with the same information in XX/XX/XXXX. I believe someone at XXXX XXXX reported the first card as a charge off and now they can not figure out how to take it off my credit report. who knows how much damage has been done to my credit with a charge off there for almost one year.

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 2022-12-16 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: AZ

Complaint narrative:
XXXX and Experian have refused to remove an illegally placed bankruptcy from my credit report. After numerous disputes and phone calls to them, even provided proof directly from the court house that this was no a legitimate bankruptcy they continue to respond to my dispute with the generic the item has been verified which is completely false and frankly a LIE. I have contacted and visited the court house personally and they indicated they do not share information with the credit bureaus as it violates FEDERAL LAW. I have demanded proof from XXXX surrounding their verification methods, which they are required to provide by law and they have failed to provide and supporting documents of follow the law. This is a clear violation of my civil rights and I will be seeking to litigate in a federal court with an attorney if this is not resolved in a timely manner.

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 2022-12-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian requested via email I update my method of payment and listed a XXXX  card 's last four number which I didn't recognize. I called into customer service to verify tls certificate info to verify sender. After finally making it through their automated phone service I escalated the call, due to being afraid of fraudulent activity, regarding my method of payment being incorrect. At this point I requested to remove my method of payment and to change my account status to basic ( free ). 

Today I received the same email stating they were trying to charge me for a basic account on the same unknown credit card number. I called in and had account deactivated because I know longer have faith in Experian 's service. This was successful, however I was told in order to remove my personal information I would have to physically mail sensitive information to their Texas address. I am not willing to do so. Please help my remove my information from Experian 's databases because I no longer felt confident in their ability to manage sensitive information. 

Experian supervisor Agent ID : XXXX XXXX Claim number : 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 2022-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My identity was stolen in XX/XX/XXXX. I discovered it XXXX XXXX, XXXX and notified the 3 major credit bureaus and every single institution that ran a hard inquiry or opened an acct. I did both online and by sending letters via US mail. I also placed alerts and freezes with all 3 agencies. I filed a report with FTC as well. 

Unfortunately, XXXX XXXX XXXX issued a fraudulent acct. with my stolen personal information due to lack of diligence on their end. Fraudulent charges of $ XXXX were charged in my name. This dropped my credit score from the low XXXX to XXXX and placed me in a " poor credit '' category. This affected both my personal life and my XXXX XXXX 

After several months of following up with XXXX XXXX XXXX XXXX, they finally issued a letter stating the account was not mine. They also said that they notified the 3 credit reporting agencies to remove the account and hard inquiries. XXXX XXXX and XXXX have done so. Equifax has not removed the fraudulent account despite both XXXX XXXX XXXX and myself requesting it. 

Equifax 's online system does not allow me to upload the letter from Consumers requesting the fraudulent account be removed or the additional back up emails that I have confirming the account was opened with stolen personal information. I have tried to reach them by phone but the hold time is unreasonable. 

I am requesting that the fraudulent account and other hard inquiries obtained from XX/XX/XXXX - XX/XX/XXXX be removed and my original credit score be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I worked for this person sometime In XXXXIts was third party.its was a week hold placed on the check.After the week went by I received my debit card tried to pull money off and it wouldn't work.I then proceeded to call Chase bank and I was informed that my account was closed.I was told that my check for XXXX dollars was sent out on XXXX still haven't received any money.I just called back and now I'm hearing that me and the check writer have to come in and show id I would have did that at first With that being said JP Morgan Chase said they are keeping my money so I had to contact you guys.I know I'm not the only one help me out it's XXXX time and I need my money.They had a whole week to verify this before they cashed the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
With Experian, I am unable to establish an account to unfreeze my credit reports and the company has an incorrect email address to confirm my identity. I can not get a human on the phone to correct 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
Consumer complaint received 2022-12-16 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 XXXXXXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX # XXXX Account name XXXX XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX # XXXX Account XXXX : XXXX XXXX XXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX # 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 non-monetary relief
Consumer complaint received 2022-12-16 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: EQUIFAX, 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 XXXXXXXX # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXXXXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX Account name : 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 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 explanation