vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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: CT

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 Account Number:XXXX 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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
We have sent XXXX wire transfers from XXXX XXXX to Citi bank as below as an investment to a forex broker and discovered that it is all fraud and scammers account. We worked with XXXX XXXX to communicate with XXXXXXXX XXXX to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Citi bank for not responding and for not reimbursing my funds. Date and amount of transfer was XX/XX/2023 {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: MI

Complaint narrative:
I am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Hello, I tried making a lump sum payment of {$1000.00} on XX/XX/2023 to pay down my student loan balance. Instead of doing that, it paid off 7 months in advance. So they took the money and applied it to interest instead of principal. I tried calling Mohela on XX/XX/2023 to figure out how to make a principle only payment and they are telling me it is not possible. This can not be true, they simply just do not want me to pay my loan off early.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The person ( XXXX XXXX ) was trying to get a hold of my SSN and my drivers license. 
He wrote and XXXX me a check for XXXX The check bounced in my account, and now my account is negative balance. Was having me go to the Bitcoin Atm ( Have Receipt Record I Gave me a QR code to scan at ATM through XXXX App on XXXX ). It was supposed to be for equipment. I never received the equipment. ( False Vendor ) names XXXX XXXX, XXXX XXXX, XXXX XXXX. 
XXXX XXXX name XXXX XXXX. CFO names XXXX XXXX XXXX, XXXX XXXX. I suspect the check as fraudulent activity. He ( XXXX ) was also trying to get a hold of my WIFI password, XXXX XXXX PIN. I belive this is a scam this was through the XXXX app and I have record of entire conversation. XXXX was also telling me that the companys Lawyer was going to the bank on my behalf to reverse the charges.He never did. ( I did not get the lawyers name ). This was for a remote job Position

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 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
We have sent 4 wire transfers from XXXX XXXX  to chase bank as below as an investment to a XXXX XXXX and discovered that they are all fraud and scammers accounts. We worked with XXXX XXXX to communicate with chase bank to reimburse our funds as they are responsible for not identifying the fraud accounts but they were not responding. So I want to complain on Chase bank for not responding and for not reimbursing my funds. 

Date and amount of traansfers XX/XX/2023 - {$30000.00} XX/XX/2023 {$20000.00} XX/XX/2023 {$25000.00} XX/XX/2023 {$25000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: ME

Complaint narrative:
Earlier this spring, I went through the process of loan forgiveness via PSLF program. My federal loan was noted as having a XXXX balance as of XX/XX/2023 after completing the program requirements. I received a letter stating as such. I have been trying to contact MOHELA since late summer to present date, regarding my credit report. My credit report still list the full balance of {$110000.00} due MOHELA. Each time I try and reach out to this company, I am unable to get a representative on the phone, despite remaining on hold for up to two hours per phone call. I have tried several times a week starting at the end of XX/XX/2023. I have also sent messages through the email portal which have remained unanswered. I would like to get this balance noted as paid in full or removed from my credit report. It is now negatively affecting my credit.

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 card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Chase conducted two hard inquires on my credit with out consent in the span of 30 days. Have since frozen credit with all three companies and added credit alerts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: CA

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.

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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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:
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. 

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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
XXXX has a student loan listed on my account that was transferred to another lender. The loan that was with Aidvantage was transferred to XXXX. The loan was subsequently forgiven under the Public Student Loan Forgiveness Program. I filed a dispute with a statement that showed a XXXX balance on both loans. They still have the loan as open with Aidvantage. XXXX has it correct. XXXX doesn't have any of my student loans at all. The crazy thing is that XXXX has the loan listed twice with Aidvantage. Once as still being open with a {$25000.00} balance and once with a XXXX balance. I can't understand why they don't see that the account numbers are the same. I want this removed from my credit file immediately. The loan shows a XXXX balance with XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: NC

Complaint narrative:
I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 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: MI

Complaint narrative:
I am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

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 2023-11-01 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: MI

Complaint narrative:
I am not the who initiated these inquiries. I DO NOT have any idea regarding these UNAUTHORIZED and FRAUDULENT inquiries on my credit report. They are NOT mine.

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 2023-11-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have received email notification of opening Merrill XXXX XXXX account. I have not authorized the opening of such account. I have called Merrill Lynch to put a stop on the approval process and flag the opening. I received email confirmation but no one can provide me with a written confirmation and validation that such account has not been opened and that my identify is flagged from opening future accounts. 

I have also requested proof of my identity, which I would assume was needed to open an account and no one was able to provide or confirm that such validation happened.

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 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
My financial institution sent my payments prior to the due date XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ). The checks were presented for payment and I have cancelled checks. 

I wrote to the company 3 times submitting documentation, including a letter from my financial institution THREE times. Each time, I receive a response saying they are workig on it, but receiving a bill dated XX/XX/XXXX showing interest and late fees. 

On XX/XX/XXXX I called AGAIN, and was told the letter was not acceptable because it didn't include an " amount ''. This is untrue, all the documentation was included. Also, they tried to tell me it takes 60 days to resolve -- also untrue -- have been trying to resolve this since XXXX. Once I threatened to file a regulatory complaint, there was some vague comment about some " supervisor '' resolving this. 

I believe this was a blatant attempt to defraud a consumer.

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 2023-11-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Payment process
Company: BMO BANK NATIONAL ASSOCIATION
State: OR

Complaint narrative:
This is follow up to complaint XXXX which I have previously indicated the company response was insufficient. 
Due to BMO taking TWO Payments in XXXX, there is now insufficient funds in my account for the XXXX payment of approximately XXXX. There is a XXXX external transfer pending of XXXX, the request was initiated automatically through BMO on line banking ( as it is every month ) on XX/XX/XXXX. As I indicated in my last complaint : 1 ) why does it take up to three business days to transfer and credit funds and 2 ) this is a scam to charge late fees. Due to the fact that my incoming transfer will not arrive in time, I am afraid BMO will use this as an excuse to charge me an Overdraft fee or late fee or BOTH. 

Once again I turn to the issue of security questions. I supplied my loan number, social security number, zip code, property address and phone number. The last question was 'what is the term of the loan '. I answered 'a 15 year HELOC ' which XXXX found to be unacceptable. He wanted to know the remaining term based on the account opening. WHO IN THE BLOODY XXXX KNOWS THAT? Again I must say that these questions are onerous, offensive and designed to prevent inquiries being made on accounts. I informed XXXX XXXX we just got off the phone ) that his questions were overbearing. He told me I would have to call back later ( which would accomplish what? ) or go visit a branch. It so happens I am not near a branch and they would probably ask the same questions, so again I ask-to what end would that accomplish? 
I find this entire affair with BMO to be completely frustrating and the lack of cooperation from the BMO side is AMAZING!!!!!!!

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Self Financial Inc.
State: NY

Complaint narrative:
XXXX XXXX is inaccurately reporting their tradeline on all XXXX of my credit reports. XXXX XXXX has done the same thing to many other consumers as evidenced by the many complaints filed against them with the XXXX. There is a pattern of inaccurate credit reporting by this company and I want them to remove their tradeline from all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bonneville Billing and Collections
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OR XXXX Bonneville Collections XXXX Fashion XXXX XXXX XXXX XXXX, UT XXXX RE : Account # ( creditor XXXX Bonneville Collection XXXX ) As to your letter, were waiting on closing billing, However after looking At you bill we moved out and closed the account We are disputed XXXX After the Record on your ledger we moved out on so the closing billing never came, we owe base on your records and our the total {$25.00} that is for XXXX bill with owing on XXXX We don't know where you overcharge but under oregon DATA rules and the The Fair Debt Collection Practices Act ( FDCPA ) requires debt XXXX to send a written debt validation letter within XXXX days you done that but with the main creditor and your office invalidation of the overbilling at your Clients fault, falls Under The Fair Debt Collection Practices Act states that debt XXXX can not use any false, deceptive or misleading representation to collect the debt. Please again DO a better Job with your clients, were Pay the {$26.00} that check will Say payment in full and we will dispute any and all credit reports will send them a copy of this and the check marked paid in full, {$26.00} the check will be sent in 10 days this should never been sent to you office and your clients who you have a contract with should do a better job, any false credit ding will be at your own apparel and you will be liable for damages and cost from now on, and if you sell this debit this is proof and your collection license in every state can be in jeopardy for doing this is proof, As well as your clients of that Account Number, XXXX XXXX Oregon XXXX pursuant to XXXX XXXX XXXX Sec. XXXX ( b ) of the FDCPA. I respectfully request that your offices provide more then what competent evidence that you sent I have any legal obligation to pay you. 
final letter and discovery Notes Be advised this is not a refusal to pay, but a notice that your claim is disputed and more validation is requested. 
proof of XXXX Account statement Defamation of XXXX violated FCRA by failing to do a reasonable investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America checking was hacked. 

Victim of the Bank of America, XXXX scam Over {$1000.00} was taken from my checking account even though supplement E says bank will refund any money taken with this scam

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 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
XXXX : Auto-payment of old certification ( about $ XXXX ) in process. 
XX/XX/XXXX : Income recertification was completed online to expedite processing to lower payment, as income has dropped. Kept IDR plan as is. New calculated payment is around {$700.00}. Application is processing, though no documentation is required per company, since policy now is that until XX/XX/XXXX, income can be self-certified. 
XX/XX/XXXX : Contacted Mohela about changing auto-payment amount to updated lower payment -- rejected, since autopay already processing and do not want to go into forbearance, due to PSLF eligibility. 
XX/XX/XXXX : Auto-payment of {$1200.00} processed. 
XX/XX/XXXX : Processing Delay notification in inbox from Mohela. 
XX/XX/XXXX : Income recertification still in process. Contacted Mohela to request that if processing delay persists past the next payment amount due ( XX/XX/XXXX ), that I receive a refund. Mohela response : if application is still processing at time of next payment, I am not yet " approved '' for new payment amount and I will still owe old payment of {$1200.00}. My payment of {$700.00} will not be effect until the application is processed and approved. My response : if it wasn't for the delay in processing, my application would not take over 30 days to be process. Why should I be punished ( owe more money ) because of a processing delay? If my application was dated in XXXX, there was no warning that my application for lower payments would potentially not be approved beyond a month. If my application in XXXX states my income has changed, why would it not apply to my payments starting in XXXX? It does not make sense that the updated lower payments do not take effect until the application is processed. If a processing delay is order, I have the right get a refund for a payment done while there is a lack of staff to accomodate the large amount of paperwork during this unprecedented time. It is not my fault student repayment restarted for millions of people at the same time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation