vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SC

Complaint narrative:
I attended XXXX XXXX XXXX, a school later found guilty of engaging in fraudulent practices, which led to the discharge of my federal student loans. However, my private student loans, which were originally serviced by XXXX and are now serviced by Mohela, remain outstanding despite being tied to the same fraudulent institution. 

Since XX/XX/year>, I have reached out to Mohela multiple times requesting an investigation into the validity of these loans, citing the fraudulent practices of XXXX  XXXX XXXX and the resulting discharge of my federal loans. Despite these requests, Mohela has repeatedly insisted on phone communication, which I can not accommodate due to financial hardship and the disconnection of my phone service. I have also explicitly requested that all communication be conducted via email or mail, but this request has been ignored. 

Mohela continues to send emails and letters urging me to contact them by phone and enroll in repayment plans, despite my documented inability to pay due to unemployment and my ongoing application for XXXX benefits. On several occasions, I have requested a written acknowledgment of my hardship and a review of my loans legitimacy. These requests have been disregarded. 

Their refusal to investigate my claims, alongside persistent attempts to pressure me into payment plans, has left me feeling harassed and unsupported. I am seeking the CFPBs assistance to ensure that Mohela conducts a thorough review of my account and responds to my concerns in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
I would like these account to be remove so my credit report can update accurately ACCOUNTS XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Information reporting on my credit is inaccurate I am writing to have the following information remove from my credit report. the item that i need deleted are going to be attached in the word document. I am a victim of identity theft. I have multiple accounts and inquiries that i did not apply for listed on my credit report. I ask that these items be deleted so my credit report can show accurate information. i reported the theft of my identify to the federal Trade Commission and enclosed a copy of the report. I would like these items deleted from my report as soon as possible. Please block this information from my credit report, pursuant to section 605b of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with XXXX, XXXX and transunion they have not block and remove all information associated with Identity Theft.i disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these 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 non-monetary relief
Consumer complaint received 2024-12-31 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: GA

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ). 

i disputed negative accounts and addresses with experian, XXXX and XXXX they have not block and remove all information associated with Identity XXXX disputed these items XX/XX/year> and they have not respected FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which mandates the removal of these 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 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a recently opened checking account with Citi Bank on XX/XX/XXXX. I tried to initiate my first XXXX transfer through Citi Bank on XX/XX/XXXX for {$500.00}, which ended up flagging my account and locking me out. I called their customer service and they said my account is now under review and there's nothing I can do right now. I provided them my social security number and last XXXX digits of my checking account number to verify my identity. This isn't right. I'm locked out from my own money for initiating a transfer.

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 2024-12-31 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX to Block Fraudulent Accounts Under FCRA 15 U.S.C. 1681c-2 ( Section 605B ) Dear TransUnion, XXXX, XXXX I am writing to formally dispute XXXX accounts on my credit report that were fraudulently opened in my name. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B ), I am requesting that you block this fraudulent information from appearing on my credit report. 

The accounts in question are as follows : XXXX XXXX Opened on XX/XX/XXXX XXXX XXXX XXXX Account XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX account opened XX/XX/XXXX These accounts were opened without my knowledge or consent, likely as a result of my personal information being compromised in a data breach. I have included the following documentation to support my dispute and verify the fraudulent nature of these accounts : A copy of my government-issued ID and proof of address ( e.g., utility bill or bank statement ). 
A copy of my credit report highlighting the fraudulent accounts. 
A copy of an FTC Identity Theft Report and/or a police report regarding this identity theft. 
Pursuant to 15 U.S.C. 1681c-2, once you receive this request and the accompanying documentation, you are required to block the reporting of this information from my credit report and notify the furnishers of the fraudulent accounts. Please confirm in writing that the fraudulent accounts have been removed and provide an updated copy of my credit report. 

Thank you for your prompt attention to this matter. Should you need further information or documentation, feel free to contact me at XXXX or XXXX. 

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 non-monetary relief
Consumer complaint received 2024-12-31 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: FL

Complaint narrative:
My Equifax Account is not updated for over 1 year. As per their instructions on their site, where i get a code error I have called to resolve several times. Each time they verify me by using my drivers license and a selfie photo. Over one month ago they requested I send in a copy of my drivers license and social security card both of which where sent immediately. To date over a month later they claim they have not yet received it and as such can still not help me in fixing their problem on their computer system to update my file. I have frustrated been patient on the phone for hours on end and today XXXX XXXX XXXX AFTER 1 HOUR AND 15 MIN CALL, a supervisor got on the phone to assist, of which of course they did nothing again. The names provided by the people assisting me on XXXX XXXX XXXX  were XXXX and the supervisor AJ. They would not provide full names nor what office they are based out of. I have a pending loan that s not going through for millions of dollars as a result of Equifax 's inability to provide accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
I was informed of an escrow shortage by Freedom Mortgage of over {$8800.00}. After researching what happened I found that my mortgage company drastically miscalculated my amount and is asking me to come up with the shortage amount. I pay them to manage this for me and they did not. After numerous calls and escalations I was told that Im out of luck even though they acknowledged making the mistake. They also told me it would not impact my credit and I would not be assessed any late charges. Then I was told it will indeed impact my credit if I do but pay by end of day.

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: MD

Complaint narrative:
We were victims of a scam overseas in which were threatened unless we provided a credit card on XX/XX/XXXX. Upon return to the United States we opened a dispute with Citibank XXXX XXXX XXXX XXXX ). Dispute customer service representatives are all overseas and unable to read, write or speak in XXXX, and is virtually impossible to speak to someone in XXXX to convey information. Nonetheless we provided all documents regarding the dispute as requested by Citibank. Unbeknownst to us and without an investigation Citibank closed the complained falsely stating we accepted the charges on XX/XX/XXXX. Which is not true, as we submitted more documents regarding the dispute as late as XX/XX/XXXX. 
We went to a citi branch in Maryland to try and speak with someone in XXXX because all Citibank employees arent really fluent in XXXX and we dont speak their language. On XX/XX/XXXX the branch manager contacted XXXX in the dispute department who was polite and told us someone ( not us ) close the dispute due to a glitch and no investigation was ever conducted and it was a mistake from Citibank. We werent aware of this and requested the dispute to be reopen. Citibank is non- commital to reopen the dispute even though they closed it not us, we never admitted responsibility for the charges. They refuse to give a straight answer and when we requested to speak to a supervisor XXXX in Arizona ( manager ) was extremely rude, condescending and borderline verbally abusive and basically again was not commital to reopen the dispute and give us the credit back while they investigate. Citibank never investigated anything. Citibank closed it without our consent and refuses to rectify their mistake and their customer service employees either dont speak XXXX or are abusive.

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 2024-12-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Our home was damaged in XX/XX/XXXX and our insurance company has made several payments to allow us to restore several rooms in our main floor. Once the claim reached a threshold in value, the insurance company included RoundPoint mortgage on the checks which gave them the authority to decide how and when funds were released. We have faithfully followed all of the steps and overcome all of the barriers they have put in the way to delay payments, and they are still witholding about {$9800.00} from a check that was written by our insurance company on XX/XX/XXXX ( coming up on four months ago ). They will not explain why they are witholding funds, their customer service team promises to get us answers from their claims department, but they continue to withhold payment even though an inspector that they hired came to the house and agreed that at least 95 % of the funds should be released so we can move forward to restoring our kitchen. We had not heard from them so we called to check on the claim, only to find that the 95 % had been changed to 60 % so they would not send us additional funds. The customer service department could not provide any more information and promised to call us Monday. Of course we didn't believe that would happen, and we called again today to find that they still have no answers. They are claiming that they need to send another inspector -- even though the inspector they already sent agreed that the project was sufficiently complete to release the funds. They do not allow customers to talk to anyone who has authority, hiding behind a customer service team that, based on our experience, is trained to deflect and delay. That means we can't pay the contractor to start the project, even though our insurance company determined that we needed the full funds months ago ( who has been amazing and told us that they have never heard of anything like this from a mortgage company ). We have spent more than 40 hours on the phone or on hold with this company, the check was written over 3 months ago, and we have no power to make them take action and are therefore living in a house with no kitchen indefinitely. They are taking advantage of us, we're only trying to get our house restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
On XX/XX/year>, a Western Union transaction was made without my authorization or my knowledge of {$950.00} along with other several attempted transactions that were blocked after the {$950.00} was taken out. I did not initiate this payment or know the recipient it was being sent to. I contacted my bank and Western Union and was informed to start an investigation, my Western Union case number is XXXX. Ive also filed a complaint with XXXX. My XXXX XXXX  originally refunded my amount until their investigation was ended but as of XX/XX/year> they stated that this transaction was correct and took the money once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: AL

Complaint narrative:
I have been contacting the consumer reporting agency EQUIFAX since XXXX XXXX. I have alerted them that the hard inquiries on my consumer report are inaccurate and should be removed promptly from my report as this has affected me tremendously in a negative way. I have received several letters from Equifax asking me for proof of identity and also have confirmed my address with them over the phone. They still continue to send the same letter to my address that I confirmed asking me to confirm my identity and still continue to have this inaccurate info report on my consumer report. I have letters from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XX/XX/year> and XX/XX/year>. This is disturbing because they are sending me letters to my address asking me to confirm its my address. This breaks FCRA laws and puts me as a consumer at a disadvantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
Recieved phone text XX/XX/scrub>XXXX XXXX XXXX  " TSI a debt collector, will send you account updates regarding your XXXX XXXX XXXX  of MsgsVaries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXtsicoXXXX XXXX to opt out. '' I believe this is scam, I don't have a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/year> I spoke with an agent from chime banking. She states that my account is current and I dont owe anything. Also when I asked about this she also said that since there is nothing in there records that I cant pay said balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Cant log on to account due to being locked out. I dont have my account number since Im locked out. They want a verification word but wont give me a prompt so I cant remember what I put. The supervisor hung up on my this morning. They are charging me {$25.00} a month and I cant even access my account or talk to anyone to cancel the account.

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 2024-12-31 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: TX

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. 
XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

I looked at my Experian credit report on XXXX XXXX and noticed some things incomplete and not accurate. 
According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information dispute by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer.

Also according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C 1681B ( 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 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 2024-12-31 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: OH

Complaint narrative:
In accordance with the fair credit reporting act.The list of accounts below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXX XXXX  XXXX # XXXX XXXX XXXXXXXX XXXX  XXXX. 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 report agency may make any consumer report containing any of the following items of information any other adverse items 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 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