vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/ I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and while I was gone XXXX was fraudulently stolen from my account when I get out of XXXX my account is locked I was homeless I was kicked out on the street without any family or anything to do and I didn't have a way to get an identity I finally got my ID and to find out that the money was not there so I disputed it the Bank of America told me that it was me that did it and that I can send documents stating I was in the custody of the XXXX XXXX XXXXXXXX XXXX so I went to three or four different courthouses and then I finally got through to the sheriff 's administration office in XXXX in XXXX XXXX county and they gave me a cover letter and I got a judgment from the time I was sentenced and I was in custody when all this happened I just want my money back and they denied me and then they revised it and they told me on the XXXX which is today I would have the money back or they didn't say I'd have the money back they said they would be done with investigation which they are not I've been calling them every day all day and they can never tell me nothing I just would like my money back

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 2023-11-02 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: Experian Information Solutions Inc.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These informations is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect 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 2023-11-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a credit report to make sure that everything was up-to-date and correct. While checking my credit report, I noticed that there were some inquiries that I didnt apply for. I sent letters to all three credit bureaus. I told them that these inquiries are on authorized and they still havent removed them on my credit report. I did not apply for these accounts and Im not sure whats going on. Till this day, I am not sure why they are not removed on my credit report. So are you able to correct this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Bank tried pulling my credit on two different occasions that hurt my credit. I never applied for credit through Chase bank in the past few years. I want these removed from my credit report. Someone must have stolen my identity. I am looking into how to fix that too. 

JPMCB CARD Address XXXX XXXX XXXX XXXX, DE XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

Hard inquiries JPMCB CARD Inquired on XX/XX/XXXX On record until XX/XX/XXXX JPMCB CARD Inquired on XX/XX/XXXX On record untilXX/XX/2025

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CO

Complaint narrative:
Upon hearing about the possible student loan forgiveness, on XX/XX/XXXX I made a request to my loan servicer ( Mohela ) for a refund of XXXX payments I made during the Covid forbearance totaling {$1900.00} ( bank statement with amounts and dates attached ). On that original call I was told that because of the high volume of refunds, I should expect my refund within 90 days of the processing date via my original form of payment ( direct deposit to my checking account ). 

Within a few weeks of the original refund request on XX/XX/XXXX, my loan balance was reinstated to the original principal and the payments on my Mohela account were removed as of the processing date of XX/XX/XXXX. 

However, as of XX/XX/XXXX, I have yet to receive any form of payment from Mohela. 

I have called Mohela on multiple occasions, averaging every XXXX months, since XXXX of XXXX and each time I have been told that my request was processed and that they no longer had control of the refund because it was sent to the US Treasury and that I should give it another XXXX days. 

Given that it has been XXXX  days since my original request, it is disheartening to know that I am now not only earning interest on the higher reinstated principal, but that the money I paid is not back in my pocket.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
In XXXX of XXXX An account was opened from XXXX XXXX under my name and something was purchased the account was never paid and it went to collections. When called XXXX  they referred me to XXXXXXXX XXXX where they did a search and classified it fraud. XXXX then sold the debt to a Debt collector where they reported to XXXX and other credit bureaus of my fraudulent account being in collections when they were supposed to remove it completely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I called to ask and they told me I needed to pay {$59000.00} to reinstate my mortgage. I applied to XXXX XXXX XXXX. I was approved and I wired my money to XXXX and XXXX XXXX XXXX XXXX added theirs to mine and wired to Shellpoint Mortgage Servicer. It was wired on XX/XX/. when I called to verify that they had received the money they said no. Lt is now XX/XX/ and I called again they still they have not received the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: MN

Complaint narrative:
Equifax does not want to give me a credit report, the credit opportunity that the country offers us Equifax is denying me, XXXX does report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I applied for a loan from Navy Federal to pay off a credit card and another loan it was approved. I never received the loan and they never paid off the credit card .then the sold tge loan to a 3rd party that is now trying to sue me for a loan the was never received

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: Kikoff Inc.
State: LA

Complaint narrative:
I NEED help getting this off my credit report by these CRIMINLAS, KIKOFF LENDING. There is no record for me opening, paying to join, or paying a fee to KIKOFF, yet it shows I made payments in XXXX, AND XXXX and missed a payment in XXXX. Account supposedly opened XX/XX/XXXX, yet showing a first payment made on XX/XX/XXXX, followed by payments in XXXX ( not reflected in any of my bank accounts anywhere ). That is the FIRST RED FLAG AND FLASE REPORT. I HAVE SENT NUMBEROUS EMAILS, MAILED PAPER LETTERS, CALLED, ETC. TELLING THIS TRASH COMPANY THAT THIS WAS NOT ME AND SHOWING PROOF THAT I ASKED FOR THIS TO BE CLOSED AND IMMEDIATELY DELETED IN 2 SEPERATE EMAILS IN XXXX AND YET YET AGAIN IN XXXX AFTER SEEING THIS WAS FRAUDULENTLY OPENED IN MY NAME ( TO WHICH I GET NO REPLY ). I didnt use THE {$250.00} from KIKOFF THEY CLAIM AND ARE CHARGING ME XXXX A MONTH FOR. THEY ARE DESTROYING MY LIFE OVER XXXX dollars! THEY ARE SICK! I wouldn't even know where to go to pay this. I am starting a petition to make sure these CRIMINALS get shut down and REMOVE the false information on my credit report. Please do research and see there are THOUSANDS OF PEOPLE IN MY SHOES WHO HAVE BEEN VICTIMS TO THIS SCAM. I did not open this account, I asked for it to be deleted in XXXX and XXXX. Account should have been deleted LONG BEFORE MY " MISSED PAYMENT '' THEY REPORTED FOR XXXX. I wont stop until this XXXX is 100 % off. This is illegal and erroneous reporting. They are fraud. I've asked NUMEROUS TIMES to be provided proof of my signature for this " loan '' and PROOF OF the {$250.00} used and have got nothing in 6 months. They have no working phone number. EMAILS GO UNANSWERED OR ARE ANSWERED BY ROBOTS and it seems theyve blocked my emails now. Please help. Attached are emails to them in XXXX and XXXX that went unanswered asking to close this account, a formal police report Ive filed and submitted to them for fraud/identity theft. Please do your due diligence. I BEG YOU TO HELP REMOVE THIS MISSED PAYMENT AND this entire ACCOUT IN FULL OFF OF MY CREDIT REPORTS AT ALL BUREAUS. I have attached a few emails but have HUNDREDS more. I DO NOT OWN THIS ACCOUNT. I have PERFECT payment history, I wouldnt skip a {$20.00} payment. It has ruined my life and credit bc now I lost the home I was purchasing bc it dropped my score XXXX points.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: MO

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-11-02 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: OneMain Finance Corporation
State: NC

Complaint narrative:
On XX/XX/2023 I received a notification from my credit monitoring apps that there had been 2 hard inquiries made on my account. The first account was from OneMain Financial and the other was from XXXX XXXX XXXX. I have not applied with any creditors or loans in over 6 months. I did not authorize any company to make any inquiries to my report. I called One Main Financial to review the issue, however the employee answered the phone and advised me that they were closed and could not help me today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I called the bank, Wells Fargo in XXXX, TX, because I was told by the bank that my account had been put on hold. When I called the bank, the person I spoke with would not tell me who put a hold on my bank account or why a hold was placed on my bank account. I had my son call the bank in a 3-way phone call with the bank and we were told that Wells Fargo would not discuss anything about my account unless we provided them with a reference number. I, to my knowledge, have never received a reference number from Wells Fargo and we tried to explain that to them with no success. I live in assisted living and do not have transportation to XXXX, TX from XXXX, TX and my son lives in XXXX, AK and it would be inconvenient for him to travel to XXXX  just to try and get this problem corrected. We asked to speak to a supervisor and Wells Fargo told us we could file a complaint, but the person who would respond to the complaint would not talk to us without the reference number which we do not have. I have no way to access my funds, including my Social Security checks that are being deposited at Wells Fargo unless this can be resolved.

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 2023-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to express my profound distress and dissatisfaction concerning the unexplained closure of my account on XX/XX/XXXX. Upon noticing the closure, I immediately sought clarification from a local banker who, regrettably, could not provide any reason for this action. 

Subsequently, after approximately ten phone calls to your customer service, I was informed that the closure was due to a transaction suspected of fraud. I wish to clarify that this transaction was a transfer from a friend whose credit card had been compromised. He was in the process of canceling the card and moving to another country, thus, he transferred the remaining balance to me. I firmly believe that no laws or regulations were breached on my part during this transaction. 

Each interaction with your account closure department has resulted in varying and inconsistent responses. On some occasions, I was told that my funds had been sent out ; other times, I was advised to present documentation at my local branch to prove the legality of my funds. However, upon visiting the branch, the local bankers were unable to find any channel to upload such documentation. I was even asked to fill out a form that does not exist, and sometimes, I was simply told to await further communication. 

This back-and-forth between phone service representatives and bank visits has happened around five or six times. The latest contact ended with the information that the investigation is ongoing and without any concrete timeline for the return of my deposits. 

I am left with critical questions : On what grounds are my funds being withheld? If an investigation is necessary, why is there no direct line of communication for submitting proof and evidence? It is unacceptable for the bank to retain my funds indefinitely, extending the timeline at their discretion. What if these were all my savings? How am I expected to survive without them? 

I urge you to address this matter with the utmost urgency. Please provide a direct channel for communication and a definitive timeline for the resolution and return of my funds. I await your prompt and positive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, XXXX and Equifax!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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:
According to company response # XXXX from CFPB!! 
ON THE RECEIPTS FROM XXXX XXXX 
I HAVE NOT USED THE CREDIT CARD!!! 
THESE RECEIPTS SHOW XXXX XXXXXXXX FEES AND LATE CHARGES AND INTEREST DEVOURING THE CARD!!! 
DOES NOT SHOW ME PURCHASING ANYTHING, SO HOW DO THEY GIVE ME CREDIT AND CHARGE ME ALL TYPES OF FEES AND I DIDNT USE THE CARD IN MY POSSESSION AND ALSO I LOST MY WALLET AND STILL DID CALL THE FRAUD DEPT AND TOLD THEM I LOST MY WALLET AND THEY TRIED TO SEND ME BACK TO CUSTOMER CARE WHEN THEY REALIZED I DIDN'T USE THE CARD, BUT XXXX XXXXXXXX CLOSED THE CARD BECAUSE OF NONUSAGE, BEFORE I LOST THE CARD!!! 
HOW COULD XXXX XXXXXXXX DO THIS, IT SHOULD BE ILLEGAL OR CRIMINAL TO GIVE AND TAKE BACK AND CHARGE FEES FOR NOT USING THE CARD AND PUT ME OR ANYONE INTO DEBT AND REPORT TO ALL 3 MAJOR REPORTING AGENCIES, XXXX, Experian and 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 2023-11-02 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:
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. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

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

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

Company 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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I opened a XXXX XXXX account on XX/XX/XXXX XXXX XXXX The account is now 11 years old and by law it should have been removed from my credit report. I request that this item be removed from my XXXX, Transunion and XXXX credit reports. 

Every time I dispute this account XXXX updates my account to a current date and they keep doing this to illegally keep this 11plus year debt on my credit report even though I have made no action on this account in years other than trying to dispute it. 

I want it removed asap or I will take legal action with this creditor.

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 2023-11-02 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
After reviewing the original copy of my consumer contract provided by Bridgecrest, it has become evident that there is no verbiage or disclosure indicating the sharing of my personal information or transaction data with either affiliated or non-affiliated companies. During a recorded call with a customer relations representative, it was stated that my contract supports an opt-in for sharing my information, and I was assured that supporting documentation would be sent to me. Attached documents further substantiate the violations of my consumer rights, including the failure to provide an opt-in or opt-out method both at the time of sale and throughout each year of my customer journey. Please view supporting documents in attachments.

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