vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-30 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: IN

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. I told the XXXX, XXXX, and Equifax to reinvestigate this account : XXXX XXXX XXXX [ XXXX XXXX XXXX  ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: IN

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. I told the Experian, XXXX, and XXXX to reinvestigate this account : XXXX XXXX XXXX [ XXXX XXXX XXXX  ] account number : XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2023-09-30 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: M&T BANK CORPORATION
State: NY

Complaint narrative:
I discovered in XX/XX/XXXX that there was a late payment reported to one or more Credit Reporting Agencies from XX/XX/XXXX for my mortgage with M & T Bank.

At that time, I had a medical emergency that required that I be hospitalized for an extended period. This unforeseen emergency impeded my ability to make the timely mortgage payment. 

Because I was XXXX at multiple and extended periods between XX/XX/XXXX and XX/XX/XXXX, I was unable to communicate with M & T Bank to request forbearance and certain other protections available to me under the CARES Act. This inability to communicate prevented me from attesting to M & T Bank as the mortgage servicer that I was experiencing a XXXX hardship and other complications caused by a XXXX diagnosis and subsequent extended XXXX 

I became aware that I was entitled to attest to financial hardship during the COVID-19 emergency and supplied medical documentation in support of the request for accommodation under the CARES Act as a borrower affected by the COVID-19 Emergency. 

Up until the medical emergency, I had an on-time payment history with the M & T Bank since the mortgage loan was originated. Subsequently, my payment history demonstrated ongoing and recurring on-time payments since being released from the hospital.

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 2023-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: MIDFIRST BANK
State: MO

Complaint narrative:
XXXX XXXX was not licensed in the state of Missouri at the time these documents were produced. 
XXXX XXXX produced a FHA loan in XXXX XXXX name, XX/XX/XXXX. 
XXXX XXXX produced a loan in XXXX XXXX name, XX/XX/XXXX. 
Both for the amount of XXXX total of XXXX FHA loans as shown from XXXX XXXX XXXX website. 
XXXX XXXX ' email XX/XX/XXXX stated the Note was damaged when in fact the note was never signed or agreed. 
XX/XX/XXXX new XXXX XXXX sent the Missouri attorney generals office a document stating that it was a Note we signed. 
XX/XX/XXXX XXXX XXXX XXXX sent XXXX XXXX a Note with different signatures as shown in the documentation. 
As shown in the documents provided I have sent new American funding documents showing clear evidence. 
XX/XX/XXXX email questioning XXXX XXXX about the situation, XXXX XXXX stated XXXX XXXX was added later, the reason being not married. 
XXXX XXXX was added later, how is the loan dated 2 months apart with XXXX loan XX/XX/XXXX and XXXX XXXX XX/XX/XXXX? 

XX/XX/XXXX is the date they have on the addendum only in XXXX XXXX name Stating he was married, he worked at XXXX XXXX, documents are robotic signatures. 
He did not work at XXXX XXXX at the time. He was not married. Stating the no cash out refinance was due to a bona fide financial crisis. 
I have attached a XX/XX/XXXX statement showing we were ahead XXXX payments until XX/XX/XXXX. 
No payments were ever missed, we were never in any financial crisis nor did we ever state we were in any situation of financial distress. 
As shown in the document provided In fact we both were not working at the time both receiving unemployment due to XXXX XXXX. 
New American funding received forbearance money XXXX cares act filing form XXXX with the irs XXXX tax documents. 
I believe the information from XX/XX/XXXX was used As you can see the dates XXXX XXXX XXXX loan and XXXX XXXX loan XXXX. 
XXXX XXXX name was removed from the original loan dated XX/XX/XXXX. 
I have sent proof of new American funding using unsafe methods including naf technology open source software and projects to hack into my ip address. 
I have more information and documents I am more than happy to provide, I am not the only person they have done this to the federal government has been made aware XXXX XXXX XXXX has been fined by the federal authorities and have been charged in court for the same reason as I have provided evidence of this is ongoing. 
Underwriting as many FHA loans as possible for issuance payments including modification of documentation and information other than provided or not provided to new XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: MI

Complaint narrative:
My direct student loans are serviced by MOHELA. Before the payment pause, I was on the REPAYE program. MOHELA automatically switched me to the SAVE program, but is incorrectly calculating the payment and has not responded to my inquiries. Specifically : the payment amount would be correct if I was a single filer ( disposable income calculated with a one person poverty line amount ), but I filed married filing jointly ( no dependents, so a 2 person poverty line should be used ), and my wife also has federal student loans ( so my payment amount should be pro-rated by the proportion of our loan balances ). 

I have not been able to reach MOHELA by phone, and they have not responded to email inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have online accounts with all 3 credit bureaus ( XXXX TransUnion.com, and XXXX ), however, I am unable to access an up to date credit report through my online portal with TransUnion. I am also unable to access my TransUnion and XXXX credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both TransUnion and XXXX numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by TransUnion that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.

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 2023-09-30 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have online accounts with all 3 credit bureaus ( XXXX XXXX, and MyEquifax.com ), however, I am unable to access an up to date credit report through my online portal with XXXX. I am also unable to access my XXXX and Equifax credit reports through my credit monitoring services with XXXX I am told that my information is not matching up and therefore XXXX 's system can't pull in the other 2 reports. I have attempted to contact both XXXX and Equifax numerous times by phone, by mail, and online and I simply can not get through to anyone to help me fix whatever the issue may be and I still do not know exactly what the problem is. I was told by XXXX that I had to be helped by a special handling department but could not get through to anyone when I called multiple times. This issue has been going on for at least a year and I am just extremely frustrated because I need to be able to access my credit reports and credit scores.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I requested for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested XXXX XXXX & XXXX to provide me with competent evidence that I have any legal obligation to pay. I get no response from the company, but they continue to report invalidated information to all of the three major credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I was trying to call XXXX Support for an issue I had with my XXXX TV account. The website came up and had a big XXXX Certified logo and the number came up on the screen just like it normally looks on the XXXX, so I called. 
It starts out seeming like a regular support call. It is hard to hear him due to some choppiness so he states he is going to call me back from his direct line. He does. I go through the regular questions, name, email, etc. Then they say they need to remote into my phone so they can help me trouble shoot what is going on. 
They asked me to download the XXXX  app and they remoted into my phone. 
They said my validation was expired and that they need to troubleshoot an issue with my card and my account. 
That didnt work and they asked me to open Venmo to validate my payment method that way. Im distraught at this point, things dont seem right. I hang up and try to re-check the website I had gotten that number off of, but he keeps calling me back. I answered and was arguing with him about all of the things that had transpired so far and he said, weve frozen your Venmo account so nothing will actually come out. This is just a way to validate your payment. He kind of talks me down and then proceeds to ask me to send multiple payments to 4 different accounts. And when a pop up came up saying insufficient funds I finally just hung up. Deleted the anydesk app. Contacted Venmo immediately, which was extremely difficult. I couldnt get through to anyone and had to send a message through the contact portion of their site where I reported the payments and told them what happened. 
There was no way for me to cancel or stop the payment in the Venmo app, I did look and try. 
They tried calling me back many times after I had hung up and was trying to contact Venmo. So I blocked all 3 numbers they were using. 
XXXX the number I initially called from the website. 
XXXX his direct line XXXX another line The Venmo accounts were XXXX for {$250.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23, payment to - XXXX for {$240.00} on XX/XX/23 and payment to - XXXX for {$240.00} on XX/XX/23. 
I also contacted my bank and locked down my bank account and card and told them what happened. They said no money would be able to be taken out of my bank account. 
They opened up a new bank account and moved my remaining funds into the new account. Ordered a new debit card. 
I deleted my Venmo account later that night I have put a freeze on my XXXX report, so far. Ive reported this to the Federal Trade Commission as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I contacted the company, with the issue and requested all the paperwork that has to do with my collection and they are yet to send anything to my possession.

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 2023-09-30 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I purchased two appliances via XXXX 's and applied, ONLINE, for a Brandsource Credit card boasting 0 % interest for 24 months. I completed the application online and created an ONLINE account. To date I have received my stove but not my refrigerator. Approximately two weeks ago I received my card in the mail and have been unable to register it online. I keep receiving an online error message saying my card can not be registered. I can not reach anyone who speaks English at XXXX. Today I received three calls from " Consumer Protection '', supposedly a division of Citi. I hung up because I could not understand the foreign callers and I thought it was a scammer. I called back this afternoon and was able to speak to a woman who spoke English fluently ( XXXX ). XXXX said neither Citi or Consumer Protection are authorized to assist me because I have not called them with the 4 digit " verification '' code they mailed to me, via letter, 2 weeks ago. XXXX said no one at Citi can give me my balance, tell me when my first payment is due, mail me a paper statement, allow me access to my account online or tell me if I am racking up charges and late fees, all because I never received a " verification letter '' they claim they mailed. So, now I have to wait another 7-10 days for this letter to be mailed, I have to call a number and provide that code before they will assist me. So, to be clear, they allowed me to apply online, without any sort of verfication. Allowed me to purchase at least $ XXXX worth of appliances, mailed ME A CREDIT CARD WITHOUT VERIFYING ME, BUT THE MINUTE I WANT TO MAKE A PAYMENT OR ASK FOR MY STATEMENT, I CAN NOT BECAUSE I NEVER RECEIVED A VERIFICATION LETTER THEY SAY THEY MAILED? HOW IS THIS EVEN LEGAL? They will not tell me my balance, will not tell me whether or not I have accrued any late fees and will not tell me if I have lost my interest free promotion. How is this even legal? I am asking for the third time, that a paper statement be mailed to me, any fees, late charges or interest be removed and this account closed immediately please. I do not care to do business with the likes of this company. What a trap.

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 2023-09-30 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30 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: DISCOVER BANK
State: IL

Complaint narrative:
this is not my account, pls look into the payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30 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: CA

Complaint narrative:
Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to XXXX, TransUnion, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to XXXX, XXXX, and TransUnion, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, and TransUnion failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.

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 2023-09-30 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: CA

Complaint narrative:
Since XXXX, the Department of Education ( " DEPT of ED '' ) has been reporting my personal information to Equifax, XXXX, and XXXX in violation of 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act. Since learning about these violations of my federally protected rights, I have made numerous complaints to Equifax, XXXX, and XXXX, as well as, to the different servicers of my federal loans such as XXXX XXXX, XXXX, and XXXX. To date, the DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX STILL CONTINUE TO REPORT MY PERSONAL INFORMATION IN VIOLATION OF MY FEDERALLY PROTECTED RIGHTS.

DEPT of ED FAILED to provide me with any of the disclosures that allow for me to opt-out of any/all reporting of my personal information nor were they supposed to disclose my information without my permission per FERPA and the 1974 Privacy Act.

DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX continue to willfully, negligently, and recklessly report my personal information, and transaction experiences on my consumer credit report AND credit file. 
DEPT of ED, XXXX, XXXX, XXXX XXXX, XXXX, Equifax, and XXXX failed to act to protect my personal information as required by 15 USC 6802, FERPA, UDAAP, and the 1974 Privacy Act.

Company response to consumer: Closed with non-monetary relief