vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed disputes Ive made a phone call and correct it addresses that werent valid and gave correct address correct spelling and proof of my name and my identity have asked to remove hard inquiries and disputed several accounts and asked for removal of those accounts and student loans and yet nothing has happened

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 2023-01-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
On XX/XX/XXXX I called/Disputed a collection letter in the amount of {$1400.00} with XXXX XXXX XXXX I never received information provi g I owed the debt. Today, XX/XX/XXXX I received another demand letter in the same amount. I called and spoke with XXXX, and then supervisor XXXX XXXX they both said the call in XX/XX/XXXX was put in dispute, yet this letter has a new account number. I explained that since both letters were for the same amount they were the same attempt. They once again claimed to put this one in dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 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: DC

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is denying my PSLF application due to the employer signature not being valid. The form contains a physical signature from each of my employers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
ALLY FINANCIAL threatened a Non-Citizen XXXX of the XXXX ( ( 8 USC 1101 ( a ) ( 21 ) & Public Law 94-241 Section 302 ) and/or Internationally Protected Person ( 18 U.S. Code 112 ) to unlawfully steal my private property knowing that they violated the CONSUMER PROTECTION LAWS and united states codes : 1 . Equal Credit Opportunity Act / Truth in Lending Act Regulation Z.

2. Fair Credit Reporting Act/ 15 USC 1611- False & Inaccurate information.

3. Fair Debt Collections Practice Act/ 15 USC 1692 - Debt collection practices.

4. CFPB 1026.23 Right of Rescission ( cancellation ) / 15 U.S. Code 1635 - Full Disclosure of everything especially the specie of money you are demanding. Federal Reserve Note is a promissory note. 
Do not defraud anyone. ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. Constructive XXXX, as well as actual fraud, maybe the bases of cancellation of an instrument. ( XXXX XXXX XXXX XXXX XXXX v XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( 1979 ) ). 
XXXX. A note is only a promise to pay and not payment ( XXXX XXXX Bank v XXXX, XXXX P XXXX XXXX ). 
XXXX. A debt is not paid by the giving of a note. ( XXXX XXXX v Maryland XXXX, XXXX. Supp. XXXX ). 
XXXX. XXXX CFR XXXX ( a ) - High Rates/APR due to bad credit and/ or other criteria. 
Do not demand interest on a loan. ( XXXX XXXX ) ( XXXX XXXX ) / XXXX XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXX ( XXXX ) - Reporting to fake credit bureaus such as XXXX, XXXX, and XXXX. 
10. 15 U.S. Code 1692d ( 1 ) / 15 USC 1681 ( 1 ) / 15 U.S. Code 1681b ( a ) ( 2 ) / 18 U.S. Code 242/ 18 U.S. Code 1349 - Destroying my reputation due to reporting negative reports without my consent to fake credit bureaus such as XXXX XXXX XXXX XXXX and XXXX XXXX I want you to change it from Negative to Positive/Good report and submit it to XXXX, XXXX, and XXXX as fully paid. Positive report is required to leave as-is 11. 18 USC XXXX XXXX Amendment - Depriving my liberty as a XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 8 USC 1101 ( 21 ) ) by placing a limit/ negative report on my credit history without due process.

12. 15 U.S. Code 1605- Not including Insurance and/or other fees in the finance charge.

13. 42 U.S. Code 408 ( 8 ) / 42 U.S. Code 3617 - Asked for my Social Security Number, and without an alternative plan to get the loan without using my SSN or destroying my credit score/history. 
XXXX. Practice of law can not be licensed by any state/State. XXXX XXXX XXXX XXXX XXXX of NM XXXX XXXX pages XXXX, XXXX - Lawyer, Attorney, Judge, or anyone helping you legally are not licensed and shall be punished by law in full extent for pretending ( 18 U.S. Code 912 ) and for fraud ( 18 U.S. Code 134 ). Full Disclosure of everything is a requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
I incurred a medical debt in an amount less than XXXX in XXXX ( which I have tried to resolve for XXXX years with no success. ) According to the CFPB 's XXXX 2022 analysis, this should no longer be reporting to my credit record, yet it still remains.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: AL

Complaint narrative:
Yes MoneyLion is reporting past due payments on my account on 2 separate loans in the same year. Ive only had one loan

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Dear XXXX XXXX : PayPal has held funds provided to me by my customer via credit card since XX/XX/XXXX. There were XXXX invoices paid by my customer totalling {$30000.00}. PayPal shows that the funds are available to me, but when I try to transfer them to my bank account, it says " Something has gone wrong ''. They have sent me numerous messages which they said needed to be resolved to release payment. So far, I have provided my photo ID, a Bank statement, information about my business, my vendor/supplier information oand contracts, my business license, proof of order fulfillment and tracking, information about my transactions, invoices from my vendors, expalanations of activity change. And after all of this they are now asking to speak with my customer, who is a XXXX XXXX company. I sent them a note on XX/XX/XXXX saying that this was unprofessional and I did not want them doing this to my customer. On XX/XX/XXXX, they said funds might be held for up to XXXX weeks and would be released on XX/XX/XXXX. On XX/XX/XXXX, they said, funds would be released on XX/XX/XXXX. Then they said their back office would release in XXXX to 5 days, but they are still refusing to release the funds. 

Please advise how to proceed, as I Iam a small business owner. I have paid all of my vendors for these purchases, but am not getting the funds that are owed to me. 

Sincerely, XXXX XXXX - XXXX # XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
I used a mortgage company called XXXX XXXX XXXX, they were infinitely better than whoever has my loan now. A company called Newrez and Shellpoint have my loan now and I can not reach anyone at the company. I can not pay the bill because I can not reach anyone. I have called every number on the websites and on the bills they have sent and all of the numbers are disconnected. I have called XXXX numbers, the only number that worked was a fax machine. 
How can a mortgage company destroy my credit but dont have a number to call to allow me to talk to someone about my mortgage? This is very unethical. 
With the previous company I did not miss any payments in XXXX years, and now im XXXX days behind because nothing works and I wont send a random check to an address with a hope someone is real and this isnt a scam. 
I hope someone looks into this company and makes some calls to see how unprofessional and unethical this company is. 
Below will be a URL for phone numbers of the company for your reference : XXXX XXXX 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 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent TRANSUNION DISPUTE DEPARTMENT a letter and a FTC Identity Theft Report on XX/XX/22 about a fraudulent XXXX XXXX  account ending in XXXX via certified mail. The account was deleted from my report. On XX/XX/22 I received a letter from TRANSUNION stating they reinserted the fraudulent account. I filed and sent another FTC Identity Theft Report and a letter on XX/XX/22 via certified mail. After I saw that the letter was received I gave TRANSUNION the 4 businesses days they had pursuant to the FCRA (! 5 USC 1681c-2 ) to delete and remove the account from my report again, I tried to check my credit report via XXXX. I was unable to access my report so I called TRANSUNION directly. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be the aforementioned XXXX XXXX account is no longer reporting on my file and to wait for the updates. My report never updated. I called back 2ish weeks later to confirm that the account was deleted. The employee from TRANSUNION DISPUTE DEPARTMENT confirmed to be again it was not reporting on my credit file. I requested an updated credit file in the mail because I still could not access my report online. I never received it. I waited another 2ish weeks and called again to see what was going on, as my credit report was STILL not updating with the changes and I was unable to access my report AGAIN. This TRANSUNION DISPUTE DEPARTMENT employee confirmed that the account was not reporting and told me the updates for my credit report are pending. She told me she would have someone call me to expedite the changes and no one ever called. My credit report has NOT been updated in OVER 30 days. Furthermore, my credit score remains in the low XXXX and the delinquent aforementioned XXXX XXXX  account ending in XXXX is still reporting on my credit report. This is ruining my reputation as I have found a home and I'm not able to apply for it because of this fraudulent and delinquent account reporting on my 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 non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX - At XXXX I received a call from a number that matches the Chase Bank Branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX The call was a phishing scam perpetrated by someone claiming to be a Chase representative. The caller asked me to verify if I had made a purchase with my debit card at a XXXX XXXX in XXXX, AZ which I promptly denied. I was then asked to verify my card information, not knowing that this was a scam, and my card information was leaked to the caller. I go to check my accounts on the Chase app to find that multiple ATM withdrawals were being made immediately after the phishing call ended at the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, IL. In total, XXXX separate withdrawals were completed of varying amounts totaling {$1400.00}. Why was this not flagged as abnormal financial behavior? I froze my card, called Chase and was able to file a claim to have these funds reimbursed upon further investigation. I received a new debit card. 

XX/XX/XXXX - I received a letter in the mail from Chase saying that after their investigation it was found that these transactions supposedly were authorized by me, and the claim was denied. This is utterly false. I was then sent chasing after various Chase representatives on the phone who were unable to provide adequate information about how to proceed with appealing the claim. Nor was I able to access any higher-ups. I was simply told I needed to providing supporting documentation to my case without any indication of what type of information I should seek to provide. 

XX/XX/XXXX - I met with a representative at the XXXX XXXX XXXX branch in XXXX XXXX, IL in the morning. The representative called claims to see what could be done. Since I " willingly '' leaked the information, nothing could be done as per the funds being reimbursed. Furthermore, it was stated by claims that only half of the ATM withdrawals were included in the claims which is indicative of the carelessness of whoever filed the original claim since I explicitly stated each transaction that was to be included in the claim. A complaint was filed with Chase, and I await to speak with corporate to open a new case. This is extremely disappointing as a Chase customer and I feel unprotected as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX 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, In accordance with Fair Credit Reporting act XXXX  account # XXXX has violated my right 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 instruction.I sent a letter to Experian, XXXX, XXXX, on XXXX its been well over 30 days i still have not received anything back according to 15 USC 1681 ( a ) (! ) ( A ) Experion, XXXX and XXXX have 30 days to respond to my dispute This is a violation of my right. According to 15 USC 1681. I have the right to privacy and i did not give XXXX, XXXX, Experian written permission to furnish these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
When I took out this Parent Plus Loan in 2007 with Sallie Mae the amount was {$33000.00}. The interest rate was 8.500 %. During the course of the loan I had to do a Forbearance and sometimes a deferment a few times on this loan. I was not aware that the interest would keep accruing even though the payments had been postponed for a few months. Navient is now the carrier of this loan. My payments are now over {$800.00} a month ( which I can not afford ) and the interest has now brought my loan to {$110000.00}. I've made payments on this loan but the payments were not close to {$800.00} a month. I called Navient several times to discuss this outrages amount of this loan and I was told that because this is a Parent Plus Loan that there is nothing they can do for me. So I kept sending small payments which now I found out that it really was not worth it because only {$1.00} was going to the principal and the other amount was going to interest. To sum this all up, I will NEVER be able to pay this Predatory loan back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My wife passed away XX/XX/2022. She was the authorized owner of a Barclays credit card, which I was an authorized user. I notified Barclays that she had passed away, and they immediately closed the account, and with that move they also kept over XXXX travel miles. In a subsequent conversation with Barclays, they told me that I was not responsible for the debt. I challenged the debt showing up on my credit report and they removed it. 

Last week I discovered that they had been making ACH withdrawals from MY Account and have withdrawn at least {$9000.00} since they closed the account. I stopped payment in XXXX and immediately call Barclays. They said they could not talk to me ( I assume because I am not the responsible party ) and that they would notify me by sending a letter to my deceased wife with in XXXXhrs. 

Today I received a letter from XXXX notifying me that they had suspended my account and would not process any other ACH withdrawals. So I am left with setting up new automatic payments to the numerous legitimate vendors.

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 2023-01-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: UPGRADE, INC.
State: IL

Complaint narrative:
Good afternoon! 

I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! 

Let me inform your company of some Laws protecting consumers. 
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. 
Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. 

Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. 
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. 

These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. 
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! 
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. 
Please forward this to your XXXX or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! 

Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The website does not allow any login after updating my password several times, and the security freeze I have place on the account is no longer working. There is a problem with updating my email address, and my last email address is compromised, someone else is reading the emails.

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