vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 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: NY

Complaint narrative:
these inquiries in my report are totally inappropriate pleses remove it 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 explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
It started XX/XX/2023 I had a XXXX debt card link to chime card so the next business day I notice my XXXX balance was low and transaction XXXX transferred to chime account I called chime to make them aware of institution they advise me will handle my account allow 5-10 business days so chime suppended the account to fix and then close account. It never got fix I spoke with supervisor and several repsentative no one could give me reason why the account was close and refuse to give me Access just it my funds left on account I still to this day get my funds I deposited on card.i even I my daughter call get update still didn't get any where I even record the call.i want my funds due to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX, TEXAS XXXX XX/XX/XXXXXXXX  NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). 
Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ). 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agencies under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.

Send payment immediately via Certified Funds to ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Great American Finance Co
State: NY

Complaint narrative:
I noticed that my credit score had dropped almost XXXX points in the span of a month without any significantly new activity to my knowledge. When i checked my accounts via XXXX 's website, it listed a new account with " Greater American Finance '' opened in XXXX that I had never opened. There were late payment fees for a sum of greater than {$4000.00}. I had never reached out to this company before. When I was finally able to speak with a representative from Greater American Finance on XX/XX/23 and reported fraudulent activity, they told me to file a complaint with the police, with the credit bureau, and to send them copies of my photo ID and proof of address. They also told me the address I provided for them was not what they had on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
I have copied and pasted the last message I sent them. In addition, I have called more than 4 times since the beginning of XXXX. Each time I have called, the wait time average is 3 hours. When I finally reach someone after hours, they either do not know how to help or have given me incorrect information. 

My latest message sent today, XX/XX/XXXX  : Hello, I requested that the involuntary forbearance that was put on my account be removed -- it is still there, and then it caused my IDR to be denied. I also requested the Graduated Extended Repayment Plan in XXXX, and that has not been processed. I also submitted a Death Certificate for the co-signer of some loans, and that is showing as " processed, '' but no adjustments have been made. 
Please : Remove Forbearance status Resubmit IDR Process Graduated Extended Repayment Plan request Process Death Certificate I have called numerous times, with 3-hour wait times, to explain this situation, but no one has been able to help me. I need some options. At this point, I am begging for help. I have a very serious life-threatening medical condition, and this process has been very stressful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently deposited a check into my business account for XXXX XXXX XXXX  of approximately {$78000.00} from one of my regular payors. There is absolutely nothing unusual about the check, and it matches all other checks from the same payor that are regularly deposited to the account. 

The bank initially indicated a hold of 1 day, which is reasonable. Today, I receive an alert that the bank has placed an extended hold because they " have information to indicate the check won't be paid. '' I called the XXXX # and the representative confirmed they really don't have any information to indicate it won't be paid, and they actually have the pay out date confirmed from the payor bank. I'm just not understanding why the bank is holding funds from an agency that sends me XXXX XXXX XXXXXXXX of dollars on a monthly basis via checks. The check is dual signed by their CFO, is positive pay protected and comes on a weekly basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
XXXX XXXX XXXX claims I owe an amount of {$190.00} to Wells Fargo, this amount represents closing balance in checking account ending XXXX. As explained in prior CFPB complaint, this account was opened by Wells Fargo, not myself, was not authorized. The account was used, had little activity including a debit card purchase from XXXX, item purchased was lost/stolen, sebt via XXXX  wirh a forged signature. Wells Fargo accepts forgery as true and correct, reversed temporary credit in amount of XXXX XXXX XXXX referred account back to Wells Fargo , advised they would reach out in re, have not heard back.

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 2023-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
In late XXXX, I noticed an outstanding balance of {$7400.00} on my XXXX XXXX XXXX account. I was concerned about this amount as I didnt recall accruing such charges. 

On multiple occasions between late XXXX and early XXXX, I contacted XXXX XXXX XXXX  customer service to seek clarification on the outstanding balance. During these interactions, I was referred to the generic wireless service agreement on XXXX XXXX XXXX website and was told to use my bill as the definitive proof of the debt. However, I found this information insufficient to explain the charges in question. 

Around XX/XX/XXXX, the account was handed over to Credence Resource Management, a collection agency, to recover the outstanding amount. I promptly disputed the debt with Credence Resource Management and requested a detailed breakdown of the amount owed, a copy of the original contract or agreement, and verification of their authority to collect this debt. 

Despite my requests, the collection agency failed to provide the requested documentation. However, on XX/XX/XXXX, Credence Resource Management informed me that the account had been recalled by XXXX XXXX XXXX. 

Subsequently, I continued my efforts to resolve this matter with XXXX XXXX XXXX but was met with the same generic responses. I was neither provided with a clear explanation of the charges nor any of the requested documentation to validate the debt. 

Feeling that my rights as a consumer were not being respected and the lack of transparency from XXXX XXXX XXXX and the collection agency, I escalated the issue to the Federal Communications Commission ( FCC ), XXXX, XXXX, and XXXX to dispute the debt and seek resolution. As of now, the issue remains unresolved, and the lack of documentation continues to leave the validity of the debt in question. 

I am seeking the assistance of the FTC to help resolve this matter and ensure that the companies involved adhere to fair and transparent practices in line with consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was made aware that my personal information was stolen on a data breach, I've since been taking action with the bureaus to remove many things from my credit reports including over XXXX inquires, XXXX addresses, etc. This debt was found and I never received any information about it, the address it is under I never resided and I can't get it off my report because of this collector. I've disputed the debt two times now asking for verification or validation of such debt and I've yet to hear a word from this company. I asked to see the original signed contract, any agreement I had for them to post this on my report, anything and have received nothing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I'm reaching out because I've got a major bone to pick with Citi Bank, and I believe you might be able to help. Over the course of XXXX and XXXX, they've hit me with an eye-watering {$460.00} in return check fees. In XXXX, it was {$99.00}, and this year, I've already shelled out a whopping {$340.00} in these pesky charges. 

Now, let 's be real here if a payment bounces, it's typically because we're having a tough time making ends meet. So, what does Citi Bank do? They slap us with more fees, making our balances soar and pushing the minimum payment further out of reach. It's like a never-ending cycle that's making life even harder for folks who are already feeling the financial squeeze. 

I'm just a regular person trying to make things work, and I feel like these return check fees are piling on the stress. I'm reaching out to the Consumer Financial Protection Bureau in the hopes that they can take a closer look at this situation and help folks like me. Maybe we can convince Citi Bank to cut us a little slack and stop piling on the fees that only make it harder to get back on our feet. 

Thanks for lending an ear, and I hope we can make a positive change here. 

Best regards, [ Your Name ]

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 2023-10-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have a loan with Mr. Cooper, on XXXX I was about to loose my home, Mr. Cooper offered me something call : LOAN MODIFICATION, I was desperate, I don't speak, write or read English good. A man came to my house with the loan modifications papers ( more or less XXXX pages ), I signed the papers, then on about XXXX, I had another modification, a lady came and I signed papers. I am a single woman with a XXXX XXXX XXXX son with XXXX living with me, in XXXX, I was about to loose my house again and I tried bankruptcy but since I could not come with the {$2200.00} plus monthly payment the bankruptcy was dismissed. 

Every time I owed 2 months mortgage, I paid 1 month, I was struggling to keep my house. On XXXX of XXXX, I retired from my job because I am XXXX XXXX XXXX and when I got my retirement FRS investment check, I took it and sent {$90.00} to Mr. Cooper. I said to myself, I will not be able to pay {$890.00} out of $ 1183 monthly Social Security Income, the best thing to do is to pay off the mortgage, to my surprise, Mr. Cooper 's representative told me there is a second mortgage in my house with somewhere call HUD. They gave me the information and they claimed that I did 3 loans modifications, I said I did 2, they sent me the forms that I signed which are for 2 loans modifications but HUD FHA said there are 3 modifications and since the first mortgage is paid off, I must pay {$24000.00} immediately or they will start foreclosure process, I have no way to pay that sum, I never told when I did the modification, Mr. Cooper took a loan on my behalf, I don't know what to do, I don't want to sell my house and I was told that HUD don't give monthly payment, I have to pay or else, even tough I have a lot of equity, my lender Mr. Cooper told me that because of my credit score they won't help me. If I knew about that loans with HUD, I would have not paid the {$90.00} I would have saved it and not paid the house. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In XXXX, I submitted an RMA ( Request for Mortgage Assistance ) application to XXXX  ( XXXX XXXX XXXX ) and was informed that I had been placed in a deferral program. However, I was completely unaware that my loan was going to be transferred from Achieve. This unexpected transfer caused confusion and added complexity to the situation. 

Unfortunately, I have also been dealing with issues related to fraud, which have had a significant impact on my ACH ( Automated Clearing House ) drafts. These fraudulent activities have caused disruptions and financial strain, making it even more challenging to meet my mortgage obligations. 

In my attempts to rectify the situation, I have sent checks to XXXX as a means of payment. However, despite my efforts, it seems that there has been a lack of transparency and deception throughout this process. Additionally, I have experienced harassment through incessant calls from various numbers, including my wife 's XXXX, for reasons unknown. 

Overall, this situation has been incredibly frustrating and distressing. I am seeking resolution and clarity from XXXX  regarding the transfer of my loan, the impact of fraud on my ACH drafts, and the deceptive practices that have been observed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
So we have had issues with the billing and payments through XXXX. For months before we ended our services we would make payments and they would deny the payment from our debit card. Then they would run it again and it would go through. In XXXX of last year we had the same thing happen, didn't think much about it at the time, until they started deducting the payments that they said didn't go through and still charging us. So in XXXX of XXXX I was reviewing the bills with support form XXXX and found I was being charged for things we did not have for years. The lady was going to credit the account XXXX one week and another XXXX the following week as that was the most they could do to help fix the issues. The credit never came and in XXXX and they shut the services off in XXXX. You can see there are XXXX transitions and technically there was a XXXX as well for XXXX, but that got resolved and does not show. 

All payments were made through XXXX. 

The payment through XXXX XXXX XXXX XXXX for {$260.00} on XX/XX/XXXX XXXX said it posted for 3 days then unposted. I have attached the statement from XXXX XXXX showing in was never returned. 

XXXX turned off TV on the XXXX and declined the payment for XXXX. I immediately get a notification the payment of XXXX must now be paid. So I pay that. Now I look at my banking and I have XXXX payments made to xfinity. 

A stop payment on the XXXX was started through XXXX as the account was over paid, but XXXX fought it and it went through. 

So now I have paid XXXX XXXX not just XXXX in the month of XXXX and the account is overpaid. They billed me again for the XXXX from XXXX in XXXX. 
On XX/XX/XXXX a payment for XXXX was made, but never credited to my account until XXXX. 

This is how screwed up they had my account. 

You will see over the next several statements along with a credit of XXXX. That was supposed to be XXXX, ( but they need a higher manger approval to do it all at once ) because they had been billing me for several years for equipment that was turned in years before. 

This is why I ended my services. There are literally days I have wasted on XXXX, trying to sort this all out. Not to mention I'm getting hit with all these fees and they are not being responsible for any of it. 

I have attached the documentation. I spent a large amount of time after work with XXXX trying to resolve this, I also spent hrs. during work. I should not have to spent this much time trying to undo the issues. I tried to work with them for months, trying to be understanding as they tried to figure out what happened. Then they tried to explain what they thought happened and at this point I was done. My kid could not do his school work, our security system was not functional and had no TV. I was done with trying to be reasonable. I dealt with this for 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/202XXXX 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 2023-10-19 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: AZ

Complaint narrative:
I just got a copy of my credit report and noticed some inquiries that I have no knowledge of or give consent to. According to Section 604 of the FCRA, would you kindly provide me with permissible purpose, proof that I initiated these inquiries, and written authorization for all inquiries listed on my credit report? If you have NO PROOF, I demand immediate deletion from my credit report. 

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization, and have failed to provide a permissible purpose. Since, they do not have my authorization, written or verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following companies did not have permission to request my credit report : 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 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