vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 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: NJ

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
Experian permitted another soft inquiry into my report which is on a permanent security freeze. The soft inquiry is being show as of the date XX/XX/XXXX. Despite my instructions to Experian to keep my credit report on a permanent security freeze, Experian by their own authority continues to allow inquiries into my financial privacy in violation of FCRA. I have no current account with any of the entities being permitted by EXPERIAN to view my report under a soft inquiry. To date as per previous complaints submitted to CFPB Experian continues to ignore the FCRA by allowing unauthorized access without my permission or consent. EXPERIAN has not provided an explanation as to why they are self authorizing themselves to ignore the FCRA. 

What could be the purpose of EXPERIAN 's self authorizing defiance of the FCRA to continue to permit access under a security freeze, to entities who do not have a right to know under FCRA as they do not provide financial services to consumers and or I have no current open account with, and that I did not give permission or consent to them, and have not applied for any financial products from them? 

It seems that EXEPIANs self authorizes themselves to continue to violate my privacy and ignore FCRA. They do not want to address my complaints and have not appropriately answered questions in my former complaints. They have not honored my request for action to remove unauthorized access to my credit report and continue to disregard my letter of instructions. 

Previous complaint narrative : In XX/XX/XXXX, I received acknowledgement from Experian that my credit report was in security freeze status. I received an updated credit report recently from Experian showing a number of soft inquiries from the following companies. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ( no phone number, duplicate inquiry ) Experian XX/XX/XXXX XX/XX/XXXX I did not lift the security freeze during any time after XX/XX/XXXX and Experian acknowledges that I am in security freeze status today as of this complaint. I did not authorize any of these companies to do a hard or soft credit inquiry. Experian shared my private information without my knowledge or consent. I sent two letters, one with instructions and the other about the soft inquiries, see attached files.

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 2023-11-09 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: TX

Complaint narrative:
I requested a refund of student loan payments made during the XXXX  forbearance on XX/XX/2023 through Mohela, which I assumed was processed since the amount I paid was added back to my student loan balance. When I requested from Mohela the status, they tell me to contact the US Treasury. There is no one to contact. I contacted XXXX, they say to call Mohela. I even filed a complaint with XXXX  and have gotten no response. 

No one can tell me where my refund is, although it has been added back to my loan and I'm paying interest on it. It has been over XXXX  days. The amount was approximately {$6400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Hello CFPB, Short Story of what happened ; Early Sunday XX/XX/23 morning around XXXX I was walking in XXXXXXXX XXXX XXXX the XXXX XXXXXXXX XXXX XXXX when XXXX men robbed me. They walked me to an ATM where they made me withdraw money ( I have already contated XXXX and they have refunded the {$600.00} withdrawn ). Then they took my phone and started forcing me to login to all my banking/transfer platforms. They opened XXXX and sent XXXX transfers the first for {$60.00} then {$600.00} ( I have already contacted XXXX and they refunded the {$660.00} ). Lastly they made me log into my USAA App and XXXXXXXX XXXX  {$800.00} to someone. I contacted USAA around XXXX on Sun XX/XX/23 and notified them that I was disputing the {$660.00} on XXXX ( I hadn't received my money back yet ) and also the {$800.00} XXXX transaction . They opened a dispute but I knew that I needed to let them know in writing that I was requesting the refund in accordance with Regulation E 1005.6 Liability of consumer for unauthorized transfers. 

USAA reached back out by phone on XX/XX/23 and let me know that they have determined this to be an authorized transfer because they could see that Face ID was used to login to the app. I then wrote them another letter and uploaded it to them on XX/XX/23 explaining that According to Regulation E 1005.6 - If my Face was used to sign-in then my device was stolen, Regulation E 1005.6 states that my liability will not exceed the lesser of {$50.00} or the amount of unauthorized transfers. I called them today XX/XX/23 and they said they are not reviewing the XXXX letter that I sent on XX/XX/23 because the dispute was denied. 

I believe that USAA needs to return my {$800.00} in accordance with Regulation E 1005.6 Liability of consumer for unauthorized transfers. I have uploaded both my letters to USAA as well as their response and uploaded a screenshot of their document upload tool to show the dates that I uploaded the documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I phoned AppleCard/GS Bank on XX/XX/XXXX and requested to close my never-used account. The person I spoke with informed me that I had a balance owing of {$20.00} plus {$3.00} in interest. This was the first I had heard of any amounts owing. I informed them I would pay that amount if it would complete closing my account. During the call they asked several times if I was sure I wanted to close my account, and I confirmed each time. I paid the outstanding balance on the call with another credit card. I asked and was told there would be no negative credit report, which turned out to be untrue. I was recently informed by my bank, XXXX XXXX, that my credit score had declined by nearly XXXX points, from mid XXXX to mid XXXX. The reason for the loss of score was a XXXX late payment claimed by AppleCard/GS Bank , as reported by XXXX. This is the only negative item on my credit report and it was clearly in retribution for closing my card account, as I had never used the Apple Card and did not know of any late charge. I called AppleCard/GSBank customer service after learning of the maliciously false credit report and asked them to remove the report. The woman I spoke with was very sympathetic and understanding, she said it was not right but all she could do was submit a " XXXX level '' report to her superiors. I have yet to hear anything more from Apple Card/GS Bank . Speaking to XXXX about this is not possible because they refer all inquiries to GS Bank. In my mind this is a good example of the abuse practiced by online finance companies over consumers. My confidence in XXXX to protect its customers has been severely damaged by this experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
I have sent XXXX letters asking for validation of debt and proof of where debt came from, where it was opened, address on file, and have not gotten a response for what i have asked. I made them aware what they are sending me is NOT VALADATION LETTER OF DEBT. At this time the debt has been written off they have not provided a XXXX or proof of debt in validation letter or deleted from my report. This debt was sold to multiable collection agencies and was resolved earlier this year as fraud by the first one and not XXXX more have been assigned to it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have an account. I withdrew my money from the account. I have repeated asked that chase close the account. Chase makes me go though my personal banker, XXXX XXXX XXXX | Chase | Relationship Banker | NMLS ID XXXX | XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX | XXXX : XXXX | T : XXXX. Dispite requests he has not closed the account. Now, I have been charged a {$25.00} service fee and since there is no money in the account they are also trying to charge me overdraft fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize these credit inquiries I asked for them to be removed and the bureaus did not do what I asked. 
I am providing an identity theft report and Im requesting for them to be removed because they are inaccurate and not mines

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
I have no knowledge of this hard inquiries, this is a result of identity thief, this inquiry from Continental FinanceXXXX , must be removed no later than XXXX business days as per 15 U.S. CODE 1681C-2.

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 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I had XXXX in XXXX and was going to be out of work for XXXX  months so I contacted Roundpoint Mortgage to have my XXXX, XXXX and XXXX payments deferred to the end of my loan. I submitted an application and did not pay those XXXX  months. We made a payment on XX/XX/XXXX and another payment on XX/XX/XXXX which they returned and said we had to pay the entire balance in full. I have contacted them numerous times trying to get this resolved and they keep stalling. I've asked to speak to a manager XXXX  times, I've emailed a formal complaint and I'm still not getting anywhere. We recieved a NOTICE OF DEFAULT letter and now, as of yesterday, they have damaged my credit.

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 2023-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Waypoint Resource Group, LLC
State: PA

Complaint narrative:
Ever since I cut XXXX XXXX and they said that I owe XXXX for past XXXX years now. I've already pay up front before I cut the line & added {$40.00} for late fee which I wasn't aware of. 

{$260.00} to XXXX XXXX ( XX/XX/22 ) but now creditor collection by waypoint reference number XXXX I am not going to pay this payment if its already taken care of & right now I'm going through hardship and I do not have steady income to cover that cost. 

Hope this 'd have help me. 

Thanks,

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 2023-11-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: PNC Bank N.A.
State: CA

Complaint narrative:
On XX/XX/2023 I submitted an inquiry to PNC Bank on our HELOC regarding the payoff amount for our loan. I received a figure that was good for that day and I subsequently paid the amount shown, {$61000.00}. To my surprise, this created a credit on the account in the amount of {$110.00}. I waited over XXXX months and the credit never went away so I wrote a check against the account for that exact figure, {$110.00} to XXXX  out the balance. 

About a week later I received a check ( advance ) from PNC for {$110.00}. I did not cash the check and called them to instruct them to stop payment. I was told it would be handled but could take up to XXXX  days! In the meantime, PNC was charging me interest on the {$110.00} even though I never cashed the check. Some weeks went by and I started to receive late payment notices, calls from debt collectors, so I called PNC again to determine the status and they had no record of my previous call or instruction to stop payment. 

At this time I asked for a supervisor to and of course none were available. The next day I got a call from an individual name XXXX who told me he would handle the stop payment and assured me nothing would be reported on my credit or go to collections. 

XXXX was able to stop the payment ; however, the interest that accrued on the check I never cashed was not waived and I waited another month anticipating that would go away as there was never actually a balance in the account to accrue interest on. 

Fast forward to a couple of weeks ago and now my balance continues to grow and I am being assessed late payment penalties. I have given up on PNC to correct the issue so I pay the balance due ( total balance outstanding ) of {$1.00}. It's not much but I don't actually owe them that. 

After the payment clears I check back and somehow I owe an additional {$.00}. Frustrated, I go online to make another payment and I can't. I can not make a payment less than {$1.00} nor can I schedule to pay the balance due, the website simply doesnt allow me to. 

I call again, ask the lady to waive my balance of {$.00} so this can go away. She happily submits the request and told me it will take up to XXXX business days to process. We are now sitting at XXXX business days still with no resolution and more late payment notices. 

Finally, I check online today and the balance of {$.00} is still there, so for the heck of it I check the payoff amount and its {$100.00}! Why? If this isnt fraud I dont know what is. I am not closing the account merely paying off the balance and I only owe {$.00}. At this point they have given me incorrect payoff amounts, sat on my money for over 2 months, charged me interest on checks they sent me I never requested or cashed, and continue to assess late fees and penalties for money I don't owe them. The kicker is I've called them at least XXXX times and no one can resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My checking account was unsuspectedly frozen and I was requested to visit Regions bank to verify my identity and they would release the freeze and I will have complete access to funds. Regions have not done so. After the pain and suffering of not being able to access my funds I ordered Regions bank to close my account immediately and send the remaining funds in a cashiers check to the address listed on my profile.

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 2023-11-09 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

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 2023-11-09 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: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/XXXX a hard inquiry was made on my credit by JPMCB Card without my knowledge or consent. 
XX/XX/XXXX I received a notification from my bank that I had a change in my credit score. 
I confirmed the fraudulent credit card application by calling Chase Security. They were very helpful and closed the application. I requested the hard inquiry be removed from my record. They assured me no further action was needed on my part. 
I froze my credit and checked my information with the credit bureaus. XXXX listed the information that was used to place the fraudulent application, including the phone number ( XXXX ) XXXX. Whoever uses this number should not be trusted. I am reporting this to hopefully thwart further attempts of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: MD

Complaint narrative:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
FOLLOW UP/REINVESTIGATION. THESE NEGATIVE ITEMS ARE HIGHLY DAMAGING MY CREDIT REPORT AND CREDITWORTHINESS.

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX  v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud,
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX  v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

Company response to consumer: Closed with non-monetary relief