vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRESTIGE FINANCIAL SERVICES INC
State: FL

Complaint narrative:
Prestige financial is showing on my credit with a balance of over {$5000.00}. This was paid off back in XXXX of XXXX  and has a XXXX balance. This is fraud that its showing on my credit and there is no balance and this needs to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Total Card, Inc.
State: WV

Complaint narrative:
I have had the total visa credit card for over 2 years and the XXXXXXXX XXXX credit card for around a year. I pay both parents on time every month and I pay over the minimum payment. 
The last payment I maid was XX/XX/2023 in the amount of {$140.00} on total card and {$140.00} on XXXX XXXX card. After my payments went through I went to check and make sure the payment went through and what my balances were and the available credit. My balance on bothe was {$150.00} lower than my limit but it no available credit? I was confused so I called total and XXXX both and there customer support agents couldn't give me any reasons why it wasn't available except that both had closed my account and was turning into collections. I said " how is that possible I haven't missed a payment for as long as I've had the cards! '' The agent say '' Im not sure sir, I see you've maid all payments on time and some early. '' I said I know so what gives them the right to close my account and turn it over to collections if I have defaulted on any payments and I havent. I think these companies are a joke. And honestly I'm going to be speaking with a finance lawyer on all this because my account can't be closed and turned to collections for no reason. I was never notified of anyrhing like this especially the canceling of my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I had a Wells Fargo bank account during the timeframe listed in the settlement agreement however I have not received any communication from Wells Fargo

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I paid and closed my car loan on XX/XX/XXXX, and this company reported me 30 days late for XXXX even though the loan was paid in XXXX. That makes absolutely no sense, I need this late remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-08 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: TX

Complaint narrative:
Discover Card Fraud Charge on account : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover made a - {$2500.00} Credit on account XX/XX/XXXX Dicsover made a reversal of credit + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} adjustment on account XX/XX/XXXX Discover made a transfer balance of + {$2500.00} on account XX/XX/XXXX Discover made a - {$2500.00} credit on account XX/XX/XXXX Discover made a + {$2500.00} balance transfer on account XX/XX/XXXX Discover made a + {$2500.00} transfer balance on account Discover owes a - {$5000.00} credit on this account, I've spoken to several people to try and resolve this fraud charge but they are not helping. I keep gettend transfered & no one can help with the charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: AR

Complaint narrative:
I purchased a home in XXXX, XXXX. There were XXXX separate accounts with HUD holding a small mortgage in the approximate amount of {$5900.00}. The HUD account was paid to US Bank Home Mortgage in XXXX and I received a " satisfaction of mortgage '' on the HUD account. In XXXX, I paid off the other mortgage and again received a " satisfaction of mortgage ''. In approximately XXXX, XXXX, I received a notice from HUD that the full amount was due and payable since I had paid off my mortgage. Subsequently, a lien was placed on my home. I contacted US Bank Home Mortgage and was advised that they have no record of either account. I have my records and both account numbers should you need them. 

Your assistance is most appreciated regarding this issue. 

Sincerely, 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 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal Credit Union has frozen my accounts due to unlawful actions in the order of A XXXX Application of {$6700.00}. SCRA-Service Care Relief Act is in effect to protect me by law from unlawful incriminations. I went to the XXXX XXXX Office to dispute this incrimination on XXXX XX/XX/2023 and received an Exemption Letter being that I'm an XXXX XXXX Service Member. They faxed the exemption letter to Navy Federal and they received it on XXXX XX/XX/2023 at XXXX XXXX 

Effective frozen date XXXX XX/XX/2023 The date they sent the letter : XXXX XX/XX/2023 Date I received the letter : XXXX XX/XX/2023 2023

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
issues on my credit report i didnt authorize these credit inquirys XXXX  mortgage XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX mortgage XXXX XXXX XXXX data XX/XX/XXXX XXXX mortgage XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX data XX/XX/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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX, Transunion, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-02-08 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: GA

Complaint narrative:
I sent a letter to Experian, XXXX, and XXXX to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation. 
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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-02-08 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: KS

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2023-02-08 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: KS

Complaint narrative:
I am a public servant who has been employed by the same government employer for over 10 years. I have diligently kept track, followed the regulations, and re-certified my employment annually after that became a recommendation. I had to appeal to XXXX at one point to correct my PSLF month count because I was told Mohela wasn't showing my payments. Finally got that corrected and then my loan was transferred back to mohela right before I qualified for forgiveness with 120 months. It has been well over 90 days since I applied on XX/XX/2022 for the finalization of forgiveness. Since then I have contacted them multiple times and get the same " it will take 90 days message. '' My application is not complicated, my employment has been certified for years and my counts are up to date. I am deeply concerned by the number of people complaining that Mohela has had them waiting over 6 months or longer. At the end of the day, Mohela is a government contractor servicing a government program for government employees. PLEASE hold them accountable to the people who are desperately trying to help themselves here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 an 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We received a letter from Wells Fargo indicating we owe a debt on a credit debit card that we had paid off and closed almost 10 years ago, XXXX I believe. This letter was sent out XXXX XXXX and it we just got it XXXX days ago I did contact customer service I was transferred quite a few times and by the time I did get to someone the woman pretty much said all this is what she oh, there was none. None of them looking into it, they wouldnt let me talk to anyone above to find out what exactly was going on there just indicating no it wasnt paid when I know for a fact, me and my husband did paid off because we were XXXX off because we had to give our income tax to pay it off, and we close the account and still existing. We all this money I will not pay money that we are not obligated to pay if the account was already paid off, I remember precisely we did pay it off because we were so upset. It is a reason we left Wells Fargo because of charges that didnt make sense or add up and we never got payment back for it we just close it. We were done with them so I dont understand why theyre sending some this form now when this was a XXXX XXXX situation makes no sense and it sounds pretty sketchy. The letter itself is quite unprofessional. Theres no full account or credit card number. Mind you because we closed this account almost 10 years back. I dont think this is right I will not pay for something we do not owe

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 2023-02-08 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: FL

Complaint narrative:
I dont owe this bill I dont even live in XXXX  I live in XXXX XXXX . This is fraud and it needs to be removed immediately

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Identity theft this account was open by whom I had no authorization of this account. I XXXX XXXX am filing a identity theft report on the account with Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: KS

Complaint narrative:
I have submitted numerous disputes to each credit bureau as well as Navy Federal Credit Union regarding a credit card balance. On XX/XX/2023, I sent another dispute with identity theft affidavit and proof to NFCU and each of the credit bureaus via certified mail return receipt. NFCU received the affidavit and letter and proof on XX/XX/2023 XXXX signed by an employee at collection at the post office. On XX/XX/2023, NFCU ignored the affidavit and refused the remove the identity theft related credit card from my credit report and instead only issued a statement that the account is under reinvestigation. 

Per FTC requirements, upon receipt of the FTC identity theft affidavit, a creditor is required by law to remove the identity theft related debt from the credit report permanently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I should have qualified for the Wells Fargo Lawsuit. I had an account with Wells Fargo from XXXX to XXXX. I never received anything

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 2023-02-08 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This is not my account I dont live anywhere near Ohio its fraud I live in XXXX Florida XXXX This needs to be removed immediately

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 2023-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
I transferred money into my US Paypal account on XXXX of XX/XX/2023 in the amount of {$9700.00}, where it was immediately put on hold by Paypal. They mentioned that this is a " Tax ID Hold '', and if I did not provide any form of US Tax ID, they would take 24 % of the amount and send it to the IRS as withholding tax. I was immediately unable to use any of the funds. 

Given that I opened this account while I was a student in the XXXX, I'm not a US tax payer, nor do I have an ITIN or SSN that could fulfill this Tax ID requirement from Paypal. I'm from XXXX and I pay tax in XXXX. 

Having shared this information with them, including a filled IRS XXXX indicating that I am not a US tax payer and as such, the funds should not be taxed or held, Paypal proceeded to limit my account and prevented me from withdrawing any of my funds. Further communications with Paypal representatives were not helpful as no one could acknowledged the specific tax issue I had, and instead shared generics about why the account was limited, and there were no guarantees given by Paypal that they wouldn't send 24 % of the funds as withholding tax. 

In addition, now that they have limited my account, they are withholding my funds for 180 days without any justification. 

The Paypal case reference is XXXX.

Company response to consumer: Closed with monetary relief