vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IN

Complaint narrative:
Any and all information as to the balances on my student loans has been taken off the Mohela website. I have requested several times that I recieve the transcripts from my loans and that it needs to include the balances that were consolidated from the original loan servicer. They have only provided me with a letter of discharge stating that my loans have been paid in full. Not even including the amount that was paid in full. I know that prior to consolidation of my loans from XXXX XXXX that I had amounts paid to XXXX prior to moving over to Mohela. I have been informed that all of the previous information pertaining to my loans would have been transferred to Mohela during consolidation! I am tired of the run around and I want the money that is owed to me, as well as all transcripts pertaining to the loans and the amounts from XXXX as well as Mohela. I have call XXXX XXXX XXXX, Mohela, and XXXX for almost a year now only to keep getting put off on the next company. I also asked for written proof of the payments that have been sent to me seeing that it has not come in XXXX lump sum, but in smaller checks, and I have not a clue when or if I have recieved all payments sent. I have not recieved any of that information either!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute inaccurate information present on my credit report. Upon reviewing my credit report, I have noticed that there is inaccurate late payment reporting on my credit report. It is imperative that this error is rectified as soon as possible, as it is adversely affecting my credit score and may have repercussions on my financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I have sent a Cease and Desist letter to FCO - Fair Collections & Outsourcing, but they have refused to comply with Federal guidelines by ignoring my request to resolve this matter. Additionally, FCO is operating as a collection agency without being legally bonded or insured to collect in Texas, which is a violation. Moreover, they are also in violation of the Fair Debt Collection Practices Act, including but not limited to Section XXXX. Please have FCO Fair Collections & Outsourcing cease all collection activities. This is my last attempt to complain outside of court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I became a victim of identity theft and whoever stole my identity opened credit cards in my name .I attached supporting documents of the fraudulent account that was opened in my name. 

XXXX opened XXXX amount {$2500.00} ( fraud account )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I became a victim of identity theft and whoever stole my identity opened credit cards in my name .I attached supporting documents of the fraudulent account that was opened in my name. 

XXXX opened XXXX amount {$2500.00} ( fraud account )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist Bank opened an account on my behalf without my consent. I was emailed about a checking account being opened. I called the fraud department ( received number from the website directly ) and they said that indeed a checking account was opened on my behalf. Beware.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. Please see attached file for these items I am complaining.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I contacted Citizens Bank about a check being altered from {$1300.00} to {$12000.00} which Citizens cashed out of my business account. They said that they had contacted XXXX XXXX which was where the check was deposited and cashed, Citizens said they were waiting for XXXX XXXX  to reply to their inquiry but had not heard anything. It has been 7 months with no answers and this matter is hurting my business. 
I do not believe they contacted XXXX XXXX  about this matter and now I have asked for proof. 
It has been very frustrating to get any answers from Citizens other than they were waiting for XXXX XXXX to respond. 
Thisis my seconf complaint about this issue

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GREENSKY OPERATIONS, LLC
State: KY

Complaint narrative:
I am making a complaint against GreenSky , LLC. 

On XX/XX/2024, GreenSky allowed XXXX XXXX of XXXX to take out a loan in our name without a signature from my husband or me on any financing documents. We were not given, nor did we sign financing documents on XX/XX/2024. We did not receive the Truth in Lending Act documents laying out the initial cost, financing charge, interest rate or final cost from GreenSky, until after the XXXX cancellation period had passed. GreenSky used the XX/XX/XXXX date of the XXXX  Agreement, which meant the right to cancel passed on the midnight of XXXX XXXX received the Truth in Lending Disclosure from GreenSky on XX/XX/2024, with the total loan amount, we contacted GreenSky and XXXX the loan immediately. 

By that time, GreenSky had already paid XXXX {$21000.00}. I told them to stop and not to pay XXXX another dollar that we had not agreed to the terms imposed by the bank loan. GreenSky then grabbed back {$10000.00} of the {$21000.00} they had sent to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I firmly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is imperative that you expeditiously erase this misleading information from my records.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I called Truist Back and advised them that XXXX was trying to take money out of my account through a special moneyntransfer that I had never heard of. Truist said dont worry, we got this, They lied. XXXX got {$1000.00} of my money, than they got {$700.00} of my money from my XXXX  account. XXXX  got my money back, Truist never did, they are being very evasive about it, adding overcharge fees to my account as well. They absolutely refuse to get me my {$1000.00} back. Truist and XXXX have ripped me off for {$1000.00} dollars. This started with a fellow named XXXX XXXX at XXXX, and XXXX XXXX  in XXXX  services XXXX Where is my money?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The absence of valid evidence corroborating its accuracy and its reporting without substantiated proof contravene the 15 USC 1681i ( 7 ). I urge for the swift removal of this account unless sufficient evidence affirming its validity is furnished.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
Please be advised that I hereby formally request documentation substantiating the investigation undertaken concerning the matter at hand. Specifically, I demand the disclosure of the methodology employed in said investigation, inclusive of all pertinent records detailing the individuals contacted, their respective business addresses, names, and contact telephone numbers. Additionally, I require documentation validating the purported tardiness of the referenced account. 

Should you fail to furnish the requested information within a period of fifteen ( 15 ) days from the date of this correspondence, it is hereby insisted that the account in question be expeditiously updated to reflect a status of " PAID/NEVER Late ''. Furthermore, I expect prompt delivery of a copy of my revised credit report subsequent to said update. Failure to adhere to these directives may result in further legal recourse.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On the XX/XX/2023, an unauthorized payment of {$640.00} was taken from my Wells Fargo checking account and used to pay my Wells Fargo credit card. My credit card 's entire balance at the time was {$640.00}. The " daily balances '' for my credit card on the Wells Fargo phone application never reflected the pay {$640.00}, so my balance showed that I still owed {$640.00}. I disputed this unauthorized transaction from my checking account with Wells Fargo, and roughly XXXX days later, Wells Fargo returned the {$640.00} to my checking account. Since the " daily balance '' on my credit card never reflected the {$640.00} payment, after the {$640.00} was returned to my checking account, Wells Fargo improperly doubled my credit card balance on the " daily balances '' on the Wells Fargo phone application. The balance listed went from {$640.00} to around {$1300.00}, improperly doubling my balance. I did not owe this amount. 

The mailed statements properly reflected the reversal of the {$640.00} transaction on my credit and my checking account. However, the " daily balances '' on the Wells Fargo phone application improperly reflected that I owed around {$1300.00}. 

I disputed this improperly reported balance with Wells Fargo numerous times over the phone, however Wells Fargo never resolved the matter. Wells Fargo states there was no issue because the mailed statements were correct. However, the issue is not with the mailed statements, but rather the daily balances for my credit card listed on the Wells Fargo phone application. This balance was never corrected and showed me owing an amount that I did not. I would like Wells Fargo to investigate and fix the reported amount on the daily balances of my credit card on the Wells Fargo phone application. I would also like Wells Fargo to provide me with a copy of the daily balances of my credit card on the Wells Fargo phone application for each day of the month of XX/XX/2023.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: GA

Complaint narrative:
Please be advised that I hereby formally request documentation substantiating the investigation undertaken concerning the matter at hand. Specifically, I demand the disclosure of the methodology employed in said investigation, inclusive of all pertinent records detailing the individuals contacted, their respective business addresses, names, and contact telephone numbers. Additionally, I require documentation validating the purported tardiness of the referenced account. 

Should you fail to furnish the requested information within a period of fifteen ( 15 ) days from the date of this correspondence, it is hereby insisted that the account in question be expeditiously updated to reflect a status of " PAID/NEVER Late ''. Furthermore, I expect prompt delivery of a copy of my revised credit report subsequent to said update. Failure to adhere to these directives may result in further legal recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I had a credit card with Navy Federal Credit in XXXX  they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve Navy Federal Credit Union account. 

I went to a Navy Federal Branch and they could not pull any account information back from XXXX  due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or Navy Federal Credit Union. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Best Buy/Citibank wrongfully claims that I owe over {$8000.00} worth of fraudulent transactions which appeared on my account late last year, XX/XX/2023. I have been defending my innocence ever since then, but Best Buy/Citibank ( BB & Citi ) refuses to re-open my claim since I allegedly do not have any evidence to prove my innocence. 

However, the evidence that BB & Citi has sent to me, which is documentation from various merchants involved in the fraudulent transactions, explicitly name a " XXXX XXXX '' as the individual who made these purchases. " XXXX XXXX '' is NOT my name, nor is it an individual who I know or ever heard of. Furthermore, some of the transactions state that this person made the purchases from places like Florida and XXXX, and I most certainly do NOT live or have ever lived in any of these places. 

Before this arduous incident, my credit score was sitting at a XXXX, and now, because of BB & Citi 's incompetent investigation, it has sunk to about a XXXX. I did NOT make any of these fraudulent transactions that BB & Citi claims I am responsible for.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-25 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: IL

Complaint narrative:
I am not linked to these creditors and did not initiate these inquiries. Please proceed to remove them from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I sent money to a person who said they were selling me tickets. So I did just that. It was on chime to another account on chime. I thought that you had to be verified to use a chime account so I assumed that this was real. 
I sent over XXXX $ to a chime a user XXXX And then they never gave me the tickets or my money back. I called chime to report the account and have my funds returned to me. But they said they could not give me my money back and they could not give me the information of the other person. They could only send me my own bank statement. But Id have to wait till the next day. 
I wasnt helped I didnt get my money back.or a real resolution to this. This other person has my information and money. I thought chime was a safe bank.

Company response to consumer: Closed with explanation