vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-31 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: CT

Complaint narrative:
I hade sent several email messages due to large volume of callers. I was inquiring with them as to why my entire payment went to interest only when I paid in excess of the monthly interest amount. They then proceeded to tell me that my monthly accrued interest amount was significantly more than what my account represents. Even if that was correct, I still paid them in excess of what they are now representing is my monthly interest amount but will not apply it to my principal amount. If they keep doing this I will NEVER pay down even XXXX cent of what I owe. I can not afford to pay {$450.00} a month in just interest! My account represents I owe {$350.00} in accrued interest, they are now telling me I owe {$420.00} in accrued interest, either way I overpaid both those amounts but they will not apply any to my principal even if it is nominal. I tried to speak with their XXXX, XXXX, on XX/XX/31 but when I challenged her explanation, she hung up on me. Now I have to call again and wait an astronimical amount of time once again. I work so obviously I have to do this from work and they are keeping me from working. They are lying thieves. Unfortunately I was forced to go to MOHELA from my prior servicer and this company is stealing my money. I should NOT have been forced to them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
In XXXXXX/XX/2023 a fraudulent charge was made on my Apple Card ( Goldman Sachs Bank USA ) for {$660.00}. I have disputed this charge twice and both times they ruled that I made this purchase. Now they keep telling me I need to prove I didn't make this purchase. It looks like it was a money order sent to a XXXX XXXX in XXXX. I have never used a XXXX XXXX in my life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for Charge of, collections, Repossession and Public Record. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # 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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: NM

Complaint narrative:
I disputed a botched XXXX done overseas. They closed the dispute without providing a provisional credit or contacting the merchant. I received an email stating dispute closed due to no documents provided but no one called or wrote what documents were needed. I provided medical records and an email showing the pffice is refusing to see me. I also can not be seen in the XXXX since no doctor will treat me due to being seen in XXXX and they are forcing me to provide documentation that can not be provided.

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 2023-10-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IN

Complaint narrative:
During XXXX - XX/XX/XXXX we had our credit card stolen. We never used the card and never realized the charges. Upon finding the charge we called Discover and disputed. 

They were very helpful and unwound all the charges in a timely manner. 

When that was done we found a positive $ XXXX on the credit card. This was a combination of monthly payments we had made on the balances over the year and the total amount of the disputed charges. 

I called them and asked if this was my money to withdraw to my checking account. This conversation was had both on virtual chat and over the phone for confirmation. The answer both times was yes. However I wasn't able to do it myself they had to transfer. So I provided my account info and in 3-5 days the money was in my account which we used to pay off unwanted debt. 

1-2 weeks later I got a notification on my phone of over balance. I looked at my app and there was a balance of over - $ XXXX!!. 

I called Discover and they said my case was opened back up and all deposits had been unwound. 

After endless calls in to Discover. Some being very helpful and others just being told there is nothing they can do. We are at a loss. 

It's almost a year later and they are now saying there is nothing I can do all the money is my responsibility and they won't open it back up. 

We filed a police report right at the start as instructed. The person was arrested with video evidence and still awaiting federal charges and trail. Both the courts and Sherriff have been in contact with Discover and Discover have confirmed this. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX, Pending ( active ) Reference Case cross references Prosecutor Case Management XXXX Police Agency XXXX As we sit I have a $ XXXX balance on my credit card with a $ XXXX limit. My credit is shot and I'm making {$500.00} - $ XXXX monthly payments on money I NEVER spent!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/XXXX I submitted a request to Chase auto to investigate accuracy of information on my Consumer Reports. 
They sent their response and dated XX/XX/XXXX which I have attached confirming that the reporting information is accurate. 
Chase is in violation of 15 U.S. Code 1666 ( a ) 15 U.S. Code 1666b ( a ) 2 15 U.S. Code 1681i The inaccuracies include ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX XXXX XXXX without any communication, garnished my XXXX XXXX Account, they sent the va garnish papers to the bank, I called bank and they could not go into details as the {$20000.00} was pending and I should call in a few days after it had been posted. I called XXXX XXXX handling the file ( XXXX ) several times and they would say they are attempting to collect the debt and verify it but yet did not attempt to even talk to me about this debt, when i asked questions trying to clarify the creditor, get a phone number to communicate to the creditor, I got ridiculed for asking for information as they say it has been a debt since XXXX some said XXXX. I spoke to XXXX, XXXX, XXXX, XXXX, at some point left a message for XXXX AND XXXX. For a week nobody helped and on XX/XX/XXXX, after trying to solve this differently for week i called them back, and tird againg XX/XX/XXXX I spoke to these same indivduals but this time decided to record every time i called back from someone hanging up the phone to not answering my questions of just wanting 1. A copy of orginal contract i signes for the debt, 2. Payment histry if at all from the original creditor, Name and adress for original creditor andproof of ownership that XXXX XXXX XXXX XXXX were assigned this debt of about {$23000.00}. I recorded about 10 voice memos in a space of 1 hr and no help or answers were provided to me as the person whose account has been garnished. I called CALVARY SPV LLC, spoke to XXXX who are their clients but they gave me the one answer to talk to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
While checking my most recent credit report, I noticed credit inquiry that I did not authorize and they are a result of identity theft, made by the following companies : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please remove all the above inquiries from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I am writing to address significant violations of the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) that have recently come to my attention While Reviewing my Transunion Credit Report. Consumer Reporting Agencies ( CRAs ) play a vital role in assessing consumer credit information. It is concerning that Transunion, one of the Big 3 CRAs rely on data from smaller agencies, like XXXX, for reports. Identity theft is a major concern. Reporting unauthorized accounts without consent is a serious breach of privacy. CRAs are legally liable for noncompliance under 15 U.S. Code 1681n, with potential penalties of {$1000.00} per violation. The unauthorized buying and selling of personal information poses a significant privacy issue. Compiling a report without consent amounts to identity theft. Privacy is a right, not a privilege, and I demand prompt removal of identified information. I followed the requirements of 15 U.S. Code 1681c-2 meticulously, but was not provided clear information about reporting, as mandated by the Gramm-Leach-Bliley Act. By invoking my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I seek a swift resolution. I insist on immediate removal of identified items within four days. Furthermore, proper notification for investigative consumer reports, under 15 U.S. Code 1681d, has been overlooked, a clear violation. I expect prompt attention and full compliance with the aforementioned provisions. Failure to do so may compel legal action. Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2023-10-31 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: GA

Complaint narrative:
I have noticed a hard inquire from XXXX XXXX and I did not give them permission to run my credit. I have also called Experian right away making them aware and requested for them to remove this inquire and they gave me the run around even after I have expressed the FCRA law of unauthorized transactions made without my consent.

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 2023-10-31 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: DISCOVER BANK
State: NY

Complaint narrative:
I was trying to purchase a house and realized that I had major issues with my credit file. According to the 15 u, s, c 1681A law states that late payments are illegal. My late pay came during the pandemic which I thought that the government had expressed to the bill collectors to be more lenient. Also 15 USC Section 604 states rights to consumers ' privacy. Reporting agencies can not furnish an account without my written consent. The resolution to this is to delete the listed accounts. 
Discover Bank XXXX With XXXX, XXXX, and XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX Upgrade XXXX XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am requesting that the late payment markings be updated to reflect my accurate payment history. Those payments were made on time. If there is any confusion, The account payment history is reflected as late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is 100 % true, accurate & correct.

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 2023-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XX/XX/XXXX Someone made a fraudulent call into Wells Fargo transferring {$2000.00} from my savings account to my checking account. Gambling charges were authorized on my checking account by these funds causing my account to be compromised. 
My direct deposit and balance was compromised causing errors to my checking account and my upcoming purchases and household bills to be compromised XX/XX/XXXX. 

I have suffered stress and duress from this situation. Wells Fargo has put me through stress and mental strain during this process. 

XX/XX/XXXX I called wells fargo XX/XX/XXXX about my frayd claim remaining balance, I could have law enforcement obtain a copy of the fraudulent phone transaction made on XX/XX/XXXX. 
I received a portion of my savings account funds back from this fraud bank account transfer. 

My XXXX  was questioned by wells fargo if I made the fraud phone transfer call. 
I was reported to Dept of Human Resources about my XXXX XXXX by wells fargo. 
I received a visit to my home from XXXX XX/XX/XXXX on my XXXX XXXX and the money transfer by a representative.

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 2023-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft due to my mother opening XXXX credit card accounts XXXX is Capitol one and the other is XXXX XXXX. I recently learned that my personal information was used to open XXXX accounts I did not open or authorize these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I asked XXXX XXXX XXXX to validate the debt for accurate and verifiable information. Also, I asked for proof and accuracy to no avail. The information is not accurate. I asked for original copies. This is an ongoing issue. I want to persue arbitration! According to the FCRA all information must be verifiable, accurate and complete. They are required by law to verify the accuracy of the debt according to FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I asked XXXX XXXX XXXX to validate the debt for accurate and verifiable information. Also, I asked for proof and accuracy to no avail. The information is not accurate. I asked for original copies. This is an ongoing issue. I want to persue arbitration! According to the FCRA all information must be verifiable, accurate and complete. They are required by law to verify the accuracy of the debt according to FCRA.

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 2023-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: 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 : U S DEPT OF EDXXXX Account XXXX Account Name : XXXX  Account 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 response to consumer: Closed with non-monetary relief