vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-14 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: GA

Complaint narrative:
On XX/XX/XXXX, I received correspondence in my online account dated XX/XX/XXXX ( see Attachment 1 ) indicating that I only had made XXXX XXXX qualifying payments for loan sequences XXXX and XXXX. On or around XX/XX/XXXX, I received correspondence from XXXX XXXX ( see Attachment XXXX ) indicating that I had XXXX PSLF qualifying payments each for both loan sequences XXXX and XXXX. MOHELA 's letter received on XX/XX/XXXX implied that I had a lower PSLF qualifying payment count than I had previously with XXXX XXXX even despite the fact that I submitted an updated PSLF application/Employer Certification Form to MOHELA in XX/XX/XXXX. As I believed MOHELA 's letter to be inaccurate, I called MOHELA on XX/XX/XXXX to express concern, especially as I thought I had received the correspondence because I had ( wrongly ) assumed that MOHELA had finished updating my PSLF qualifying payments based on my XXXX PSLF application. On XX/XX/XXXX at approx. XXXX XXXX and after a wait on the line and spending an unacceptable XXXX minutes navigating phone trees to figure out how to reach a live agent for assistance, I spoke to MOHELA agent XXXX XXXX While speaking with XXXX, he shared concern with me that MOHELA sent correspondence indicating that MOHELA had a lower PSLF qualifying payment count than XXXX XXXX. Eventually XXXX was able to do further research and determined that the correspondence was sent in error, likely due to an IT issue. He determined that MOHELA 's system indicates that my correct PSLF qualifying payment count for loan sequences XXXX and XXXX is XXXX for each and that the information was correct in my online account PSLF tracker ( see attachment XXXX, which while from XX/XX/XXXX appears to match the same information I reviewed on XX/XX/XXXX for loan sequences XXXX and XXXX while on the phone with XXXX XXXX. XXXX also confirmed that MOHELA received my PSLF application from XXXX and that it had not been reviewed yet, thus MOHELA 's payment count only reflects the data they received from XXXX and not the information from my XXXX PSLF application yet. At the same time however, I am extremely concerned why MOHELA would send correspondence similar to what is sent after a PSLF application has been approved and I would receive a letter contradictory to information showing in my online account. As such, while I find the service provided by XXXX to have been exceptional, I am seriously concerned that I received bad loan information due to IT errors and am not 100 % sure my issue was fully addressed. I find IT errors sending inaccurate student loan payment information to be extremely concerning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see attached documents supporting my rights and violations that have been committed according to fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Please see attached documents supporting my rights and violations that have been committed according to fair credit reporting act

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 2023-01-14 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: EQUIFAX, 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. 

XXXXXXXX XXXX ( CLOSED ) xxxxxxxxxxxx XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX Account number : XXXX XXXX XXXX XXXXXXXX ( CLOSED ) Account Number XXXX XXXX XXXX ( CLOSED ) : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX has violated my rights. 

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 ) ( 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. 

I was told that these accounts are verified as accurate by Equifax, but I did dispute these accounts directly with the companies and i received a letter saying they are investigating, and I should hear them soon, but somehow the credit betray has already concluded their investigation, and are verifying as accurate. I am using my FCRA section 609 rights to ask for original signed contracts with these accounts, because I know I did not sign a contract with any of these companies. I have mailed a letter regarding this concern to Equifax already, and I am uploading the copies on here as proof. 

These are fraudulent accounts, I XXXX XXXX did not sign any contracts with this company. I would a fair, and proper investigation done and this account deleted right away. 

In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised i am also requesting the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

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 2023-01-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being one of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of, with XXXX being XXXX of them, however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. The account does not belong to me and it is hurting my chances of applying for a home or even another vehicle.

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 2023-01-14 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: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have reached out to Truist XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with Truist being one of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

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 2023-01-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I created an account with RobinHood XXXX a few years ago and at one point the phone I used to create my account was compromised. I was not able to log in again because I forgot my password and started a ticket with Robinhood immediately. They asked me to provide information and decided that I was not who I said I was. I received mail by Robinhood saying that i would be penalized everyday i didnt update my information by XX/XX/XXXX so i contacted them immediately onXXXX. It is now XX/XX/XXXX and no response from them once again. I am very concerned for my tax refund if i dont have the proper documents and RobinHood is not helping me in anyway. I feel hopeless and helpess and I don't know where to turn to. I don't have money for legal fees against such a large company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Chargeback on account and dispute has been going on since XX/XX/XXXX. I disputed an charge with XXXX XXXX due to the product balding even though I did not wear it on XX/XX/XXXX. I received a chargeback on my account XX/XX/XXXX and I called explaining the situation once again and got temporary credit because the {$180.00} was taken out of my account as soon as I got my pay check. A letter was sent to my old address ( I updated it on the app beforehand but it got sent to an address I havent lived at for 3 years. ) and I was told by an agent that they didnt have enough proof in XX/XX/XXXX, I sent emails and photos of the hair. I was then sent another letter asking for more proof, confused I called them again and was told by another agent that the case was closed and that the images I sent were received. The images I sent were of the emails I sent on XX/XX/XXXX and XX/XX/XXXX ( to two different emails that I was provided with by chat ) explaining that the wig was balding. Their refund policy states that they will not provide a refund if the wig is used which includes even brushing the wig. I disputed with my bank because I received no response from XXXXXXXX XXXX, I sent clear pictures and I had owned the wig for less than a month as I purchased the wig XX/XX/XXXX. I received a letter saying XX/XX/XXXX saying there will be ANOTHER chargeback on my account as the merchant sent an email to me in XX/XX/XXXX that I told them that I sent them an email and they didnt reply and the merchant also sent receipt, as well I already stated the issue to them and I stated it again in my reply. They asked for pictures that I HAD ALREADY SENT. Im very frustrated as the merchant was not being honest and Wells Fargo keeps holding the case for months and chargebacking my 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 explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
They call my ex husband and left a voicemail. They called me and left the same voicemail. Have proof of both. 
I returned there call asked was there intent of? He claimed they had been trying to get ahead of me since 2020 ( I believe ) he read off some personal information and asked me if that was correct. Told me I owed his client for a Ashley credit card. Proceeded to tell him I never had an Ashley credit card. He said so you never went into Ashley signed up for an Ashley credit card showed your drivers license in the store and youre going to tell me on a recorded line. This is not your debtband I said no Ive never had an Ashley credit card and I said you can do that online. Ive tried to dispute this I said it is not my debt. I do not owe Ashley anything Ashley is by synchrony bank. I do not have anything on my credit Pertaining to an Ashley credit card by synchrony bank.. I told him if he was going to sue me then he needed to serve me. He proceeded to tell me it was not because he was going to sue me. It was because I havent got a hold of his client since 2020 I believe. I will post a copy of the voicemail. They left to me and my ex-husband where it clearly states they said they were gon na come to my door and I needed to show I didnt identification because I had to sign for something.. I feel like I was threatened..

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 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
I had a storage with XXXX  XXXX  I gave him a notice and I moved out half a month earlier and my closing statement and everything was paid for and I was never late with them I dont know why they have sent me to collections Now this shows on my credit report and Im having difficulties renting an apartment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: NV

Complaint narrative:
The mortgage company is keeping my principal payments in a suspense account and not applying them to my mortgage. This has been happening since XXXX. I continue to contact them on the phone and through email, they tell me they will take care of it but nothing has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
I was issued a Cashier 's Check drawn from XXXXXXXX XXXX XXXX XXXX. The cashier 's check was for the total amount they are attempting to collect, however, the amount of cash which was actually withdrawn from the account at the time the check was cashed was much less. The Cashier 's check was for : FAIR COLLECTIONS & OUTSOURCING Potentially Negative Date Opened XX/XX/XXXX Balance {$3900.00} XXXX account. {$3900.00} past due as of XX/XX/XXXX. 

There was about {$200.00} in the bank when the check was deposited. The check was not as it appeared, it appeared legitimate and the banker at the drive through verified funds. There was then a later activity on the account where a representative from XXXX Bank accessed the account, and entered the total amount of the check as being withdrawn, a negative amount rather than the difference between the balance at the time of the deposit, the amount withdrawn from the account at the time of the deposit ( less cash written in the lower section of the right side of a deposit slip ) and the total amount remaining. 

The actual amount owed to the bank is about {$800.00}. 
When going into the bank, the man at the customer service desk placed me on the phone with what was supposed to be their fraud unit. The man on the phone was offensive, rude, and did not assist at all regarding the transaction. 

The bank sent copies of the deposit slip, the cashier 's check, and of the balances resulting in the transactions. 

Everything they sent was deleted from my home computer and from my email. 

When I tried to take cash to deposit money for the negative amount entered resulting from the Cashier 's Check being no good, the card was blocked and no money was accepted at the ATM machine.

The total amount of the check was not withdrawn from the bank at all, and they also attempted to collect locally in illegal forms of collection using trafficking of children. 

The bank is abusing their collection options and the amount is incorrect. 

It was reported to the city police where the account was opened in XXXX, NY on the corner of XXXX and XXXX XXXX XXXX. The police report number has also been since taken from any records in an attempt to say there is no report to refer to only the excess amount of the collection.

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 2023-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have inquiries and addresses that do not belong to me and they will not remove from my report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: MN

Complaint narrative:
On XXXX XXXX, 2022, the XXXX account was disputed with XXXX. On XXXX/XXXX/2022, EXPERIAN was notified of the errant account on the credit report and was asked to remove it. EXPERIAN was provided a copy of the letter that had been sent to XXXX. On XXXX XXXX2022, EXPERIAN was again notified with concerns about the validity and accuracy of their investigation and specific explanations were requested, all of which were disregarded. As of today, XXXX/XXXX/2022, the XXXX account continues to be reported by EXPERIAN, in error, and in violation of the Fair Debt Reporting Act. This has already caused severe harm and continues to cause severe harm to me. Copies of letters, credit report, and highlighted errors have been attached.

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 2023-01-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

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 2023-01-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have reached out to XXXX XXXX XXXX numerous times and nothing has changed regarding the negative account on my credit. I filed a police report stating that my identity had been being used to secure accounts that I had no knowledge of with XXXX being XXXX of them however the company is still reporting a charge off and bad debt. Each credit bureau is reporting a different amount and different history. I have never bought a car with this company ever.

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