vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: CHECK CASHIERS, INC.
State: CA

Complaint narrative:
On XXXXXXXX XXXX i went to USA CHECKS CASHED to cash a check but they said it was too late to verify and to leave the check and they would verify it in the morning on the XXXX so they called me in the morning and said the bank needs to speak to me and to come in so i did and they took copies of the check and gave me XXXX and said they would call me on XXXX XXXX to pick up the rest of the money.They were charging me XXXX to cash a check for XXXX at first i agreed then when i got home i looked up what they are suppose to charge and i called them on XXXXXXXX XXXX and told them i changed my mind because that fee was too high and i told them i would be bringing the XXXX back to them and getting my check back cause i decided to cash it with another bank and they said it's too late they already deposited it and i told them that's not true cause the bank already had the check and i hung up. Then on the XXXX XXXX they called me and said that the check went through and to pick the money up and i said i already deposited it with another bank so i went up there to take the XXXX back and asked for my check and they said they already cashed it so i left and told them i would be back and i called the bank to see who had the check and i was told XXXX  XXXX XXXX had it, then on the same day they called me again and said the check returned and to bring the money back but my husband had suddenly died and i was distraught so i told them i would be there in the morning, the sad thing is that the check cashing place new the check returned on XXXX XXXX so why would they call me on the XXXX to pick of cash if the check already bounced and now they are trying to get me to pay them XXXX when i don't owe them anything and that is why i can't get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: VA

Complaint narrative:
Equifax violated consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
They will not correct my credit report even though payments on time. I was in forbearance and then negotiated lower payment, but still sent negative report to credit bureau

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: NM

Complaint narrative:
My name is XXXX XXXX. I am a XXXX XXXX in New mexico. I have severalstudent loans, XXXX XXXXXXXX Unsubsidized and others XXXX  student PLUS all managed by MOHELA after they were transferred there from XXXX XXXX student loans. I am currently in repayment through the XXXX XXXX plan. Over the last few months I have had to contact MOHELA multiple times for a variety of options. They took over XXXX months to process my verificationof employment and get me on the XXXX after applying throughstudentaid.gov. Currently I am enrolled in auto debit, and they have said my auto debit is based on my " old loans '', unclear what this means. I am not able to modify my auto debit amount or cancel my auto debit setting on their website. Calling them results in at least a XXXX minute wait time, and I am often directed to change these settings throughtheir website. Every time I have attempted to do that, or modify the auto debit in any way I get an error message " Your auto debit payment has already been sent for processing. You may come back to request an additional amount change after your current due date has passed. '' Despite wheneverI try to do this. I am also enrolled in the PLSF, and getting my employmentverification through MOHELA has been a difficult task, requiring multiple phone calls and hours of my life. Currently I am trying to pay my loans, last month the lower auto debit loans were not the full payment, and I made the difference 4 days later, and promptly got a message and email that my payment was late. They are quick to demand their money, and slow to offer any assistance. I am reaching out to request any assistance with this. MOHELA is currently in an active class action lawsuit. The amount of loans they service after becomingthe official federal student loan processing company is obviouslytoo much for their capabilities. They clearly care more about their profit than helping student loan borrowers. I appreciate your time and assistance, and patiently await your response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Lost money between two bank accounts ACH external transaction I initiated {$550.00} ACH external transaction from AMEX checking account ( XXXX ) to XXXX XXXX  savings account ( XXXX ) on XXXX 

XXXX received the money on the same day ( XX/XX/ ) but automatically reversed the money back to Amex two days later ( XX/XX/ ) for unknown reason. I didn't authorize this. 

But Amex did not receive the money. My money went to nowhere. 

Reason for the money reversal : XXXX : there was not enough money in Amex checking account Amex : Money was enough. We didn't inquire to reverse. 

Investigations : XXXX : XXXX started two investigations and confirmed the money was reversed back to Amex Amex : We did not receive the money. We can't start investigation because the transaction is not on our end. 

Result : I lost the money. {$550.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 I requested my free annual credit report from all three bureaus and I received it from XXXX and XXXX but none from Equifax. I further followed up with the bureau in particular on XX/XX/2023 via USPS again for a report and to date, I have received no response. 

It appears Equifax is furnishing a credit profile that is fraudulent and refuses to provide a report to dispute and exclude from my credit causing me harm from credit slander and defamation. Per 15 USC 1681, they are to provide a fair accurate report and not interfere with my general reputation. They are further liable per 15 USC 1692k civil liability and under 15 USC 1681n for willful noncompliance.

Failing to send you notifications about your credit report or score in violation of the FCRA. I further declare I am entitled to statutory damages based on Equifax 's conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: NV

Complaint narrative:
A hacker ( s ) started to charge my credit card starting XX/XX/. I saw total of 10 transactions until XX/XX/, so I notified my credit card to close the account and replace my credit card. I notified Affirm.com about fraudulent charges, however, they insist the could not provide any information even though they were charging my card since I do not have their affirm.com account. 

I notified those fraudulent transactions to affirm.com. They asked my name, phone number. I informed them I never gave them, and I will not give them, the authorization to charge my credit card. 

My credit card company reversed the transactions, however, Affirm.com kept charging me and reporting them as unpaid obligations to credit score agencies, so my credit scores tanked. 

Affirm.com is practically protecting the hackers personal information and their profit motives but they never intend to protect the fraud victims financial well being. I should have the right to know every information related to all the charges against my credit card accounts, and Affirm.com should be held accountable for not stopping or preventing illegal charges made by their subscribers. They should be obligated to prevent and eradicate fraudulent transactions by providing all the information victims need to protect their financial securities. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: PA

Complaint narrative:
I reviewed my consumer reports and noticed that I had a late payment on an account I was never late on. The consumer reporting agencies have assumed a vital role and have a responsibility to report information to the best of their ability and with maximum accuracy. I have never been late for the account that I have included screenshots inside this complaint on the dates of XX/XX/23. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see 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 non-monetary relief
Consumer complaint received 2024-01-11 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: KY

Complaint narrative:
This is my third time requesting the below items be removed or proof that they are mine be provided. These are not my accounts and I have filed a police report due to my wallet being stolen in XXXX and then all of this shows up a year or so later. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$700.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX I Closed on XX/XX/XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX/XXXX  Closed on XXXX XXXX, XXXX XXXX/XXXX  Closed on XX/XX/XXXX XXXX Closed on XXXX XXXX XXXX XXXX XXXX Closed on XXXX XXXX XXXX I contacted each company and they couldnt provide any information and when I gave my address social they either couldnt verify me or had no record. 

My Identity Theft Report reference number is XXXX and my police report number is 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 2024-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: MN

Complaint narrative:
Us bank ruined my credit by kicking me when I was down in regard to my mortgage and destroyed my credit it score. Consumers beware, stay away from us bank. I communicated several times when I was out of work and hospitalized due to complications with covid. I had worked so hard on my credit. The last thing I wanted was to have my credit score affected. I was told my credit would not be affected and us bank would walk me through a repayment plan. Us bank reported me 120 days late. Ruined my credit. The thing I was most concerned about through my hardship happened. It really felt like a slap in the face to my efforts to communicate and prevent my credit from being damaged

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 2024-01-10 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: AR

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I inquired about repayment of interest paid over 6 % over the term of the loan. I have paid off the loan but want to know if the repayment can be retroacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: GA

Complaint narrative:
Upon careful review of my payment history, I have identified several time periods with missing payment counts, which has raised concerns about the accuracy of my loan records. I have reached out to various parties involved, including my college and my previous loan servicer, XXXX XXXX XXXX ( XXXX ), but have received conflicting information regarding the origin of this discrepancy. 

As the loan is now consolidated, I have been informed that there is currently no feasible way to rectify these missing payments and address any forbearance issues that may have occurred during these periods. I believe this issue is crucial to resolve, as it impacts my overall loan status and may have implications for my financial well-being. 

Enclosed with this letter, you will find a copy of my payment record, with the missing time periods clearly circled. Additionally, I am providing an example of proof of loan billing and payment for your reference. I am more than willing to supply any additional documentation required to support my case, including proof of a medical hardship. This documentation includes hospital and police records, as well as Family and Medical Leave Act ( FMLA ) paperwork. 

The missing time periods are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that MOHELA add the missing payment counts during the specified periods. I believe that a fair and accurate representation of my loan history is essential for my financial planning and peace of mind. 

I appreciate your attention to this matter and look forward to a prompt resolution. If necessary, I am available for any discussions or meetings to provide further clarification and documentation. Thank you for your understanding and assistance in addressing this important concern.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: CA

Complaint narrative:
I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT by FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 
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
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
**This is not a duplicate complaint** This is a new complaint with the same company** I have an account with a XXXX XXXX  through XXXX XXXX. The account is set up with autopay to avoid worrying about the monthly payments. Yesterday, I noticed the autopay hadn't been charged for a long time and decided to log into the XXXX account to make sure the autopay was still set up. The autopay is still set up, and everything looks fine ; I noticed a balance of {$280.00}, so I decided to program the payment manually. Later that day, XX/XX/2024, I received a notification from my credit report stating that the XXXX XXXX  reported late payments on my credit. Even though they have a bank account set up as autopay, they never contacted me via phone, mail, or email to inform me if it is any issues relating to the autopayment. Now, my credit report shows one late payment from a XXXX XXXX, which affects me as a consumer for my future purchases. I have tried to call multiple times since yesterday and chat with customer service, but there is no answer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11 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 Section 602 of the Fair Credit Reporting Act ( 15 USC 1681 ), it is mandated to ensure that consumer reporting agencies execute their substantial duties with a commitment to fairness, impartiality, and a conscientious acknowledgment of the consumer 's right to privacy.

Consumer reporting agencies, namely Experian, operate within the scope of their responsibilities, are required by Law to respect the privacy of its customers and to respect the customers non public information.

I have requested Experian remove accounts multiple times.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

the financial institution and the Consumer reporting agencies Experian do not have my consent to furnish this information and they surely do not have my written consent. 



I have asked Experian multiple times to remove accounts from my credit report and they continue to delay, which has resulted in a denial of a XXXX Dollar auto loan. 



REMOVE THE FOLLOWING ACCOUNTS XXXX Account number XXXX XXXXXXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXX Account number XXXX I am now giving written instruction to remove the hard inquiries XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXXXXXX XXXX Remove all soft inquiries from my account in which I did not consent XXXX XXXX XXXX Is the only name that should appear on my credit report. 



Remove XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX XXXX XXXX Name ID # XXXX Remove Addresses that are non mailable XXXX XXXX XXXX XXXX VA, XXXX Address ID # XXXX Single family XXXX XXXXXXXX XXXX XXXXXXXX VA XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY, XXXX Address ID # XXXX Single family XXXXXXXX XXXX XXXX XXXX XXXXXXXX Address ID # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Address ID # XXXX Military XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX Single family Remove Cell Phone Numbers that are no longer in my name ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Residential Remove Spouse of Co Applicant 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