vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Someone tried opening a fraudulent Bank of America account in my name initially in XX/XX/XXXX with an incorrect address. Thankfully I had just changed my address so the post office was able to send a document to me stating the type of account and the account number. I got through to Bank of America 's fraud department and had the account closed and thought that was it. However, on Saturday, XX/XX/XXXX at XXXX I received an email about an online account opening. I made it very clear with them the first time around that I am not interested in banking with them in the future ever. One email was sent welcoming me to online and mobile banking and shortly afterwards I received another email stating they are unable to open the account. I figured it was probably flagged due to the incident a few months ago but since I do not have an account number nor access to one I can not get ahold of anyone to report the fraud attempt. Therefore I am reporting it here and want it to be known that I NEVER want to bank with them and they need to increase their security and reduce their fraud especially with it happening again so soon.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello. I sent out the dispute letters to all XXXX major bureaus on XX/XX/XXXX. They have incorrect info and have shared my information without my written consent. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 a. I have the right to privacy 15 U.S.C 1681 section 604 a. section 2 states consumer reporting agency can not furnish an account w/o my written consent/instructions.

( I have given no such consent/instructions ) 15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency can 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 7 years 15 U.S.C 1681s-2 ( A ) ( 1 ) also Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$200.00} Status : Closed I believe this information is inaccurate because the dates ect., each bureau is showing are ifferent. 



Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : XX/XX/XXXX Date last active : [ TransUnion says : XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Balance : {$890.00} Status : Closed I believe this information is inaccurate because the dates etc., each bureau is showing are different. 

I have attached copies of the following documents to support my dispute : A copy of highlighted errors/differences A copy of my ID and social security card Account Name : XXXX XXXX XXXX Account Number : XXXX Account Type : Credit card Date Opened : [ TransUnion says XXXX XX/XX/XXXX ] [ XXXX says : XX/XX/XXXX ] Date last active : Balance : {$530.00} Status : Closed I believe this information is inaccurate because the dates, etc. each bureau is showing are different. According to the consumer protection law, consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be corrected or removed. I have requested the following documents regarding these ACCOUNTS : *Pay off disclosure * Interest rate disclosure *Balance history *Payment history *Credit insurance

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 2023-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IA

Complaint narrative:
Mohela has been completely unresponsive. I was initially confused about the TEPSLF form and process for certifying past employment that was deemed to qualify for PSLF. I filled out a form awhile back thinking I needed to just to certify my current employment and submitted it when my loan was still with XXXX. Then I realized I could get PSLF credit for a past position and resubmitted the form certifying that employment to Mohela on XX/XX/2022. I heard nothing from them, my payment counts have not been updated ( not even to reflect my current pay count outside of the TEPSLF, and when I look online it says the form submitted is a " duplicate form. '' I was concerned that they would not review the form since it was a duplicate and wanted to talk with someone about it. I contacted them several times and most of the time the phone would disconnect after I sat on hold for 30+ minutes. I finally talked to someone who said they would take a look at the form soon but they would review it even though it says duplicate form. It has now been six months since I submitted that form and nothing has come of it. This is extremely frustrating because if they approve my past employment my loans will be forgiven in just a few months and it's important for my financial planning to know if this is going to happen or not. I realize they have probably just halted everything pending the Supreme Court case but the issue I am wanting addressed is outside of the Biden loan forgiveness plan. 

Now when I go to the Mohela site to check the status of my TEPSLF it says " a duplicate application was processed as cancelled. '' This is so frustrating because as I mentioned in my initial case description, when i finally was able to talk to someone in the fall they indicated that my form would be reviewed even though their system was classifying it as a duplicate form. I also believe that if my past qualifying employment is counted that my loans should have already been discharged, making this matter a little more pressing than I had initially considered. I just wanted to provide this additional information in case it is helpful. I tried calling Mohela again several times but I truly think their phone system is now set up to make it impossible to reach a live person. Thank you so much! 

I submitted a complaint with the Department of Education in XXXX and it says it is still open but I have not heard anything from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, 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: AL

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of identity theft due to the Equifax data breach of XXXX. You have removed 33 of the 38 fraudulent hard inquiries, but I still have 5 fraudulent hard inquiries left on my report that I would like to have removed please. These include the following : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX & XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax responded saying that the inquiries were deleted from my file, but they still remain on my file to this day. So they have lied to me several times already. Even though they're the reason my identity was stolen.. they refuse to help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southwest Credit Systems, L.P.
State: IL

Complaint narrative:
There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Affirm Holdings, Inc
State: IL

Complaint narrative:
There are several collections on my account, that I didnt give consent nor did I ever have an original account with. I havent had a credit card in 6 years yet my credit report says different

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have never opened a XXXX XXXX account in XXXX. Someone stole my information and opened the account without any of my knowledge. Midland Credit Management wants me to pay back something I never opened. My identity was stolen and I filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: IL

Complaint narrative:
Ive tried multiple times to dispute these, they are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My Credit card was used and my account were taken over by someone that stole my identity. 
XXXX bill was put in my name without my knowledge amount {$450.00} in 2019

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant. 
Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts. 

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.

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 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023, I sent a letter asking to fully validate the reported information and remove anything form my credit report that they couldn't provide a signed, original contract for that correlates each account in question. My credit report was updated, and it stated that the account was correct, and it met FCRA requirements. No original contract was provided to me, and I believed there were illegal collection fees not agreed to with the original merchant of the account reported. 

On XX/XX/2023, a second letter was sent requesting again to provide an original contract for the items that I previously disputed that were listed in the letter. I had reason to believe they have illegal collection fees not explicitly agreed to or expressed in my original contract with the original merchant.

Again, they have reported that accounts met the FCRA 609 and 611 provisions with no proof or original contracts.

Upon this request for removal, the credit bureau failed to fully verify/validate the items listed in the mailed dispute letter by locating the original contract and/or other documents that validate the given items, within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
A company called Mountain Run Solution put a derogatory mark on my XXXX and XXXX credit reports for the unpaid amount of {$880.00}. I've disputed this information. I do not and have not interacted with a company called XXXX XXXX XXXX. XXXX removed it, however XXXX DID NOT.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
A XXXX store credit card was opened in my name without my knowledge. The purchased item was well over XXXX XXXX dollars. I believe this incident happened in or around XXXX or XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Omega RMS, LLC
State: IL

Complaint narrative:
My info was shared, as well as accounts fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: AmWest Funding Corp.
State: CA

Complaint narrative:
I have some temporary financial issue, so my mortgage is behind 8 months. 
I tried to talk with my mortgage company, and ask them to give me an option to solve. 
My porperty has enough equity and so they ( mortgage company ) can give the many options but is not easy to talk with on the phone. 
They promise me to find someone and call me back but to failed. 
I tried to another organization in XXXX XXXX through HUD. 
Nobody answer on the phone, leave the message, never call me back. 
the lists are as follows, 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 XXXX XXXX XXXX XXXX XXXX Only 1 organization received the phone when I callXXXXThe name is XXXX XXXX XXXX 
She gave me 2 counselor phone number to make an appointment.

I call them and leave message but never call me back.

For the last 2 weeks, I couldn't have got the chance to consult with my emergency situation with anybody. 
My mortgage company also seems not try to help me. 
I asked them to separate property tax from mortgage to down the price of payment. 
I want to control the property tax by myself but no answer. 

I am so sad almost dying for a fear of losing property. 
I really want to protect and keep my property until I die. 
Please help me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: FL

Complaint narrative:
I moved to XXXX in XXXX and was an international student, and I had received a loan from SALLIE MAE with a co signer. 

Last summer ( XXXX ) I only was able to complete my first year, after I had XXXX life threatening experiences and no longer am in school. 

I am unable to make the repayments, and it is affecting my co signer and my credit, i need some help trying to resolve this. 

The loan amount was for XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Franklin Collection Service, Inc.
State: GA

Complaint narrative:
No knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I looked up a trip from XXXX XXXX to XXXX  and found that if I stayed 5 days at the XXXX XXXX resort I would get a {$620.00} Property Credit. My stay is checking in the the XXXX  and checking out on the XXXX. I called the agent who confirmed that was the case and that the credit would be issued once the ticket was finalized. Unfortunately, it was not noted on the final receipt. I then called up Amex and had them look up the disclosures for my stay and the confirmed I should receive a credit but that the issue is with XXXX XXXX I called XXXX XXXX  only to have them tell me I need to call AMEX as they need to hit " some kind of Button '' to issue the credit. Long story back and fourth the disclosures I found and confirmed was accurate and they have bumped up my complaint to the higher ups and provided me with a reference NO : XXXX. I received an email below which basically says its XXXX XXXX fault. below is their response : " Thank you for contacting American Express Travel to address this matter. We tried to call you using your phone number saved on file, however, we're routed to your voice mail. We received your case with Reference NO. XXXX under trip id : XXXX on where you wanted to apply the hotel credit promo of {$620.00}. We apologize for the late update due to we're receiving high volume of cases. 


Just a quick update, we've contacted XXXX XXXX XXXX XXXX at XXXX in regards to the promo you saw online. I spoke to one of their representative from Room Reservations Department and I was advise that the day you book the reservation the promo was not offered due to they have black out dates, XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX and XX/XX/XXXX. 

Please accept our apology for the inconvenience it caused you. 

Please reach out to us if you have any additional questions we're here for you and want to ensure you have a good travel experience. 


Thank you for choosing American Express. '' _______________________ With that being said I called again to see why they are not offering to explain why they are advertising the dates and they then created another ticket and the manager will reach out which has not happened and I am leaving on my trip for the XXXX. I went even further and told them they should honor that and I will change my flight to accommodate whatever date they said was right. The response was I cant do that as it would cost too much to change the flight I also booked with them. 

Everyone I have spoken with tells me something different and some acknowledge the mistake and others don't. The fact is I booked based on their advertisement. Period. 

I would like them to honor the {$620.00} which they are advertising as of RIGHT NOW.

Company response to consumer: Closed with explanation