vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NC

Complaint narrative:
I submitted my yearly application to both MOHELA and Federal Student Aid to certify new employment. I sent an accompanying letter from my employer stating why my company is eligible as a PSLF employer but was denied by both agencies. I have since submitted a reconsideration request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and have not received a response. At the time of my original submission ( XX/XX/year> ), I would have been done with payments from XXXX XXXX XXXX, yet I am still paying, as instructed. I have 4 eligible payments left for my XXXX loans and XXXX XXXX XXXX XXXX XXXX as of XX/XX/year> ). I believe, based on the letter submitted with my application for certification by my employer, that I am eligible for and should be granted loan forgiveness under PSLF rules.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a 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 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I tried to open an Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX.. but keep getting denied because I think I have something wrong. They said contact you to get it cleared so I can open up banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Transunion to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discriminationXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: CA

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
Please be advised that as of XXXX as listed on my most recently reviewed consumer credit report, there are several fraudulent / unauthorized inquiries listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I am hereby notifying you that these inquiries are fraudulent and neither on those dates or dates similar did I authorize any individual from Equifax to furnish my consumer information to any company. Having understood that this is a violation of 15 U.S.C. 1681b ( a ) ( 2 ) : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other - In accordance with the written instructions of the consumer to whom it relates. Both together and separately, my consumer and privacy rights are being violated. If you can not provide my written authorization, the aforementioned fraudulent/unauthorized hard inquiries are to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma, LLC
State: FL

Complaint narrative:
The company called credit karma falsely advertised my outstanding approval odds of a credit card and I never got the credit card and wasn't approved but yet it was on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Currently trying to avoid a foreclosure. My mortgage counselor from XXXX XXXX  HUD and I have tried numerous times to obtain an application to refinance the mortgage. As well as trying to find out information on the partial claim availability. Over the past year I have tried on my own to obtain information. the lender Citizens Bank stated they were sending out a package via certified mail. I have never received this package after multiple attempts. We spent a few hours getting passed around from agent to agent on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: IL

Complaint narrative:
FCRA 605B indicates that incorrect accounts need removal from credit reports. Please review the documents ; some accounts are inaccurate on my report, causing distress and discomfort.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
I was informed about the interest rates on my card ( {$370.00} )! I pay my bill faithfully! I WAS NOT made aware of those charges! JUNK FEES!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

XXXX. 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 non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Comerica
State: MI

Complaint narrative:
On XX/XX/XXXX, I contacted Comerica Bank in XXXX, Michigan to discuss an IRS check was that fraudulently cashed at this bank. I requested to speak with the fraud department as someone had forged my signature and cashed this check at a Comerica Bank in XXXX, Michigan. 

Comerica Bank would not talk to me as I did not have an account with them and was very concerned as to how I was able to obtain a copy of this check. The Department of Treasury provided me with a copy of MY check as I am entitled to a copy. 

Please see the attached check. It is very concerning, the way that Comerica stamped this check, upside down and over the endorsement of the person who forged this check. Which hides the name of the person that cashed this check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Someone opens a credit card in my name without my permission I lost my wallet and social security number and I start receiving calls and I saw a billing on my credit report and my credit score dropped

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > 50 combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Within 30 seconds of filing a mortgage application which triggered a credit check, started receiving MANY calls and texts from other companies ( not the one we filed the application with ) trying to sell mortgage and other financial products to us. The number of calls and texts has been completely overwhelming ( > 50 combined calls and texts EVERY DAY since filing ), and they are happening at all hours of night and day. 
I understand that under current law selling of credit check data by the credit reporting agencies is legal, but I would like to voice strong opposition to that. This has triggered an enormous amount of unwanted calls and texts, without our consent to share that data with other companies. We as consumers don't have a choice about credit reporting if we need to obtain a mortgage to buy a home. It should not be allowed ( without explicit consent ) for an involuntary credit check process to trigger significant unwanted calls and texts. Please put a stop to sharing / selling of credit check data without explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
Since XX/XX/2024, my employer 's HSA custodian has stopped crediting HSA contributions from my payroll to my HSA account. On XX/XX/XXXX, the custodian ignored a properly executed balance transfer request of {$170.00} to my XXXX XXXX HSA account. As of this writing, XXXX XXXX confirmed they have made XXXX additional requests with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
AMERICAN EXPRESS Account type - Charge Account Date opened - XXXX XXXXXXXX XXXX Address AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Above Account created under AMERICAN EXPRESS without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please. 
According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX - XXXXXXXX XXXX XXXX XXXX, XXXX - XXXX, XXXX - XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Kindly eliminate these inquiries as they were conducted without my knowledge or consent by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
WF has an early deposit program. In this program you can receive your direct deposits up to 2 days early. This program was added to my account WITHOUT MY CONSENT. I went to my local branch to have this removed. They can't do it at the branch level so I filed a complaint and asked for it to be removed. I got a call from some guy who told me someone named XXXX would be calling me about this. I missed the call from her. She left her name and number and I called back 3 times, no one answered and no one returned my calls. I went back to the branch and filed another complaint and said if I don't hear from someone, I would seek legal help. Its been around 6 months or so and I haven't heard from anyone. I am a XXXX veteran and I have been a customer with WF for XXXX XXXX and don't appreciate being treated like this. I consider this a form of age discrimination.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents 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 explanation
Consumer complaint received 2024-02-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a 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 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. 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.

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