vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: DC

Complaint narrative:
I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3100.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$7200.00} IXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$640.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} 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 2023-09-14 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: DC

Complaint narrative:
I was finally able to get on XXXX XXXX and saw that my score was negative as I am beginning to buy a house. I see that a ton of loans were taken out in my name that were not mine. I have listed them below and on the police report. 

The accounts are : Someone stole my identity and opened the following accounts using my name. Please remove these. Thank you! 

XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$10000.00} DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$11000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$16000.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing DEPT OF ED / XXXX Reported XXXX XXXX XXXX XXXX XXXX {$6400.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$5100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$1800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3100.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$7200.00} In good standing DEPT OF ED / XXXX Reported : XXXXXXXX XXXX XXXX XXXX {$4800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX  {$8800.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$9300.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$4600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$600.00} In good standing DEPT OF ED / XXXX Reported : XXXX XXXX XXXX XXXX {$3700.00} In good standing XXXX XXXX XXXX XXXX Reported : XXXX XXXX XXXX XXXX {$5700.00} In good standing XXXX Reported XXXX XXXX XXXX XXXX XXXX {$640.00} In good standing XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5200.00} In good standing

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 2023-09-14 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: Lockhart, Morris & Montgomery Inc.
State: LA

Complaint narrative:
Someone has taken my identity and I guess you would call it fraud XXXX, {$1400.00}, by consumer XXXX associated XXXX XXXX XXXX another one on XXXX XXXX {$2600.00} by XXXX XXXX & XXXX XXXX XXXX XXXX XXXX by XXXX, XXXX, XXXX with XXXX XXXX XXXX XXXX {$770.00} on XX/XX/23 and I was incarcerated from XXXX came home XXXX and I never heard of these companies and I wanted to get this straightened out because the only reason how I found out about it because I almost got scammed by a loan company claiming to be this loan agency but when they ask me to go get a gift card I called the real loan company and they told me it was fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was inappropriately charged an annual member fee after cancellation. My cred card acct was billed an annual membership fee after cancellation in XX/XX/2023. Charged unfairly {$39.00} dollars on XX/XX/2023 on # XXXX then {$29.00} on XX/XX/2023. Charged {$39.00} on acct XXXX on XX/XX/2023 and late fee of {$25.00} on XX/XX/2023. Capital One refused to reverse fees XXXX or reach resolution I am disputing these charges until issue is resolved to my satisfaction Further complaint against Capital One for only employing telephone representatives in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Incorrect debt collection account opened. The account was paid to XXXX and should not have been sent to a collection agency. Amount was paid to XXXX early XXXX during covid time and should not have been reported XX/XX/XXXX. I contacted the company to receive this confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
I've been enrolled in the Public Service Loan Forgiveness program for years, approved initially when XXXX serviced my loans and recently MOHELA. In XX/XX/XXXX, Mohela sent me documentation stating that I had seven payments left to get PSLF, including my job history until XXXX. I submitted paystubs and my XXXX XXXX to confirm that I still have the same employer. I have plenty of documentation indicating my enrollment in the PSLF program for the required ten years of payments under the limit waiver. On XX/XX/XXXX, I received an email from studentaid.gov saying that my current nonprofit job of seven years is not eligible for the PSLF. The email had a link that stated what next steps I could take, but the link sent me to a blank page on the Federal Student Aid website. 

Then, on XX/XX/XXXX, MOHELA submitted documentation stating that I was still enrolled in the PSLF but now claimed that I still had XXXX payments left until I got PSLF. I want to ensure I get my student loan debt discharged through PSLF ( i.e., that the federal government honors my time in the PSLF and its past approval of my employer ). I was encouraged years ago by a XXXX representative to sign up for PSLF. For several years, I relied on information from XXXX that indicated my payments through my nonprofit employer qualified under PSLF. XXXX and MOHELA have kept a record of my time in the PSLF. On the cusp of getting my loan discharged for ten years of PSLF participation, studentaid.gov now tells me I am not eligible, and Mohela changed the number of payments left until PLSF. I am frustrated and agitated. 

As a military veteran who served this nation, all this feels like a slap in the face. My loan servicer provider and the Dept. of Education aren't communicating or on the same page. I'm close to PLSF, and now the rug is being pulled from under me when it seems like I will get loan forgiveness. It's unacceptable since I am dealing with financial uncertainty and emotional distress due to contradictory messages from MOHELA and studentaid.gov. I am in the process of seeking legal counsel from the XXXX XXXX XXXX XXXX XXXX XXXX at this time. But I also want to file another CFPB complaint against my loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I was notified through my VA loan officer that XXXX placed a collection on my credit through CCS, I called XXXX and they stated that it was an error and my account was paid prior to the collection date and it should have been corrected and that they would send me the documentation and I could send it to the Credit collection company which I did. The company told me that they would not remove the collection and that it would show as a closed account I sent over proof my account was not closed and open and it was paid in full also that the DATES were inaccurate and that it would need to be corrected, the gentlemen told me he would not do nothing and said I could pay the amount, which was already paid directly to XXXX to keep the POLICY open and that I would not pay a double cost to a payment already made, which the gentlemen told me then it would stay on my credit report and good luck.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: MD

Complaint narrative:
On XX/XX/2023 an uncollected debt was reported to the credit bureaus by National Recovery Agency in the amount of {$360.00} owed to Housing Authority of XXXX XXXX XXXX XXXX. A few months back, I received a letter from the Authority asking me to pay {$360.00} and I requested back by a certified mail to explain the debt. However, I never received a response back until I saw this same amount being reported to the credit bureaus. I have rental properties in the county and I have done business with the Housing Authority in the past. However, I was in the receiving end and not paid anything to the Authority before.

I called National Recovery Agency about a month ago to explain the debt and they sent me years of files of my rental payment from the Housing Authority but, didn't indicate how the {$360.00} became a debt. As soon as I received the file, I called the recovery agency again and the response I received is that what we got from the Housing Authority and couldn't help me further. I asked the agency to remove this reporting from my credit report until this issue is resolved but, they refused.

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/23 someone gained access to my debit card and used it at two XXXX XXXX, XXXX, XXXX, and an online company in the amt of {$2000.00}. I also found out that somehow they had my pin number as well, which is very concerning because I've never shared my card or my pin with anyone. The last time I used the card before this happened was at a WF atm. I received an email early XX/XX/23 telling my account was at a XXXX balance and I know something was wrong because I had my rent money in my acct. I called Wells Fargo Fraud Dept and reported it and I was advised that it would take 10 days to investigate. On the 10th day I called and was informed that my claim was denied because the chip was used. At that point I decided to do my own investigation since WF didn't and go to the different merchants to get copies of receipts. The XXXX receipts show the persons name that used my card to get them a new membership. It also shows this person name, address, and phone number. I also received the XXXX receipt that shows a different name and phone number then the person that used it at XXXX. I filed a police report # XXXX and I provided all receipts to WF and they gave me a provisional credit while they would a do a second investigation. I received a letter today that explained the claim was denied a second time because the charges are mine or I let someone use my card, but I had my card in my possession the whole time. I never let anyone use my card or give out my pin. In the letter they advised that they would be deducted the {$2000.00} out of my account. I've been a loyal customer to WF over 30 years and they are taking my money for some charges that I NEVER authorized. I will be closing my account and seeking legal advice to see what options I have.

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 monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has a systemic problems when it comes to : 1 ) Determining if a charge is legitimate or not 2 ) Reporting suspected fraudulent charges. 

BofA has the resource to work with vendors to present the familiar vendor that the customer engage with rather than the upstream or downstream entity that recieves the funds. Likewise, when a charge is challenged, the customer should receive a detail of what was provided rather than the " we have determined this is a valid charge '' that BofA has sent me in the past. 

The cost to reporting fraud is issuance of a new card and time and tribulation it entails. It also is almost impossible to do. 

I tried to report it to BoA today XX/XX/23 and wasted 20 minutes listening to BOA phone prompts only to be DISCONNECTED. Among the inane messages I had to listen to before being switched to the fraud line : Your card balance is. 
Your available credit is... 
Did you know you can transfer your other balances.. No, I do NOT want to pay an additional 4 % to transfer a balance. 
We are experiencing higher than normal call volume No, you are NOT. That is the normal volume because I get the same message every time. 
All associates are helping other customers Your vendor name may not be the same as the business charging you. Check the date for what you might have purchased. As a retired CPA I track EVERYTHING but most don't have my experience nor time to figure this out. 

I suspect my charge of {$22.00} to XXXX XXXX was fraudulent because a web search revealed many others with the same issues. Most will not pursue this but if 10,000 do not pursue it, Bank of America has just made over {$8800.00} in fees on fraudulent charges that customers don't have the time to deal with.

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 monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am not sure regarding this, but I feel like I must have been affected : CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts

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 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I made my payment in full online and I don't know what happened but after the payment about a week I reviewed my statement and what it showed was not what I had spent.

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 2023-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Caneel Capital, LLC
State: MD

Complaint narrative:
This loan was originated as a line of credit from XXXX XXXX XXXX  of {$49000.00} which a total of {$9800.00} was drawn for use. The XXXX XXXX XXXX  closed our line of credit in XXXX and transferred our loan to XXXX. We paid on this loan until XXXX of XXXX. Our mortgage was with XXXX XXXX XXXX  and was modified with over {$50000.00} in loans written off and forgiven. This was a mix of all mortgage debts XXXX XXXX, XXXX, XXXX XXXX  We noticed that our home has a deed of trust when trying to inquire about selling our property. 
This deed of trust was a company named XXXXrinity Financial Services which bought, transferred, or received mortgage notes. Trinity sent letters demanding payments and offering debt mitigation. After some time Trinity has now threatened foreclosure or lump sum payments of debt. How can this happen? We are in our seventies and live off social security and a small annuity. Is there any help available?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a follow up complaint to an initial complaint. 

On or about XX/XX/XXXX DNF associates placed a trade line on my Transunion credit report. 

After disputing through several agencies the company responded that the line item was due to a XXXX XXXX credit card - allegedly taken out XX/XX/XXXX, with no payments made, closed XX/XX/XXXX. The debt was sold to XXXX associates XX/XX/XXXX. 

The FCRA regulations are clear that the date listed on the credit report should be the date of delinquency. The account is listed as opened in XX/XX/XXXX. In the response from my other complaint the company clearly indicates the account was opened XX/XX/XXXX, and with no payments made the date of delinquency would be 30 days after XX/XX/XXXX. 

DNF has changed the date on the account to park the debt. The date on the account should be changed to reflect their own records of XX/XX/XXXX as the open date and the delinquency date of XX/XX/XXXX. 

Debt parking is illegal. Fraudulently and knowingly reporting incorrect information to the credit bureaus is illegal. DNF should be investigated for debt parking.

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 2023-09-14 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: FL

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 XXXX # XXXX name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
On XX/XX/XXXX around XXXX XXXXXXXX XXXX  two unauthorizes wires transferred were made on my XXXX  checking account in the amount of {$9400.00} and {$9100.00} to a NAVY FEDERAL CREDIT UNION. The bank file a claim on my behalf but was unable to retrieve the funds.

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