vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
I have a federal student loan that I have been working on a TEPSLF  since XXXX. I have been trying to work with the loan holder which is MOHELA. They have been working with me to try to get my loans discharged through the TEPSLF. They gave me the advice of a reconsolidation. I follow that advice now my TEPSLF  is no longer there. I have tried to contact them as well as federal aid.gov and I am not getting any answers. I worked for the state of XXXX  for XXXX  years and qualify for the TEPSLF. I am very frustrated that they are not acknowledging my application or my qualification and I am getting no answers although they have told me I qualify in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, EQUIFAX and Also XXXX notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XX/XX/XXXX I notified and send out certified mail to XXXX XXXX, XXXX and Also EXPERIAN notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax verified the debt with XXXX XXXX XXXX. as accurate and correct On XX/XX/23. I requested proof of verification per law 15USC 1681 iii. Equifax did not provide me with the required documentation I requested in accordance with FCRA 611. They did not provide me with documentation of the reinvestigation procedure used to verify this debt for completeness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
{$5000.00} XX/XX/2019 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TN

Complaint narrative:
On XX/XX/XXXX, I received a letter from LexisNexis stating that I disputed a Bankruptcy on my consumer report for inaccuracies. They reported that they verified this Bankruptcy matching it to my address and social security number through an electronic system called PACER. Now with that being said I have a right to privacy under the privacy act of 1974 which clearly states that you can't report any information about me from a system of records without my written authorization or consent. I never gave such consent to LexisNexis, meaning they are violating the law. They even admitted to this blunder in the letter they submitted to the CFPB.

PACER is the system of record for bankruptcies. Please be advised that while the U.S. Bankruptcy Courts may not provide information directly to consumer reporting agencies, bankruptcies are a matter of public record and can be obtained from PACER, which is an electronic public access service that allows users to obtain case and docket information online from federal courts. This service, offered by the Federal Judiciary to allow public access to court information, provides up-to-date information about the status of bankruptcy matters, including information about the parties involved in a case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
ALL THREE CREDIT BUREAU ARE REPORTING INFORMATION 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XX/XX/XXXX I notified and send out certified mail to TRANS UNION, XXXX and Also XXXX notifying them that I have information on my credit report thats does not match across all 3 credit bureaus I have not been answered back about any information regarding that information. I stressed in my letter that I demand to see proof of all verifiable documents and the original contract for the consumers on my credit repost with my signature on it I have yet to hear anything.

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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/XXXX I mailed a letter to XXXX and Equifax disputing inquiries on 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 Even though I included a copy of my Social Security Card, my State ID, and physically signed the letter. XXXX still mailed a letter requesting verification that I was in fact the person disputing my credit report. I called the phone number listed and spoke with someone who stated that my information is now verified and an investigation would take place regarding the disputed inquiries. There has been no contact from XXXX past that point. It has been well over 30 days. 

I mailed the same letter to Equifax, on the same date. Equifax NEVER responded regarding the inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XXXX, I called them up to close my secured credit card due to hardship I was having with being out of work for so long. I was trying to protect my credit. Also because I already had way too many credit cards open. I requested that they also make sure that my security deposit gets moved over to the balance so it pays off the balance. They told me it can take up to XXXX to 60 days for the funds to get moved over which is absolutely false! Had many secured credit cards before and only takes a few minutes! I had an issue with this exact same issue with this bank before where they purposely did not move the funds over and the account with them not only was reported late, but got charged off! The exact same thing is happening again! They are not doing what the law requires them to do when you have a secured credit account! When you close the account, it is automatically supposed to be moved over to pay off the balance! That is what a secured credit account is there for. To pay off the balance once it is closed! They are purposely setting me up to fail! I did call them last week to do an investigation, but never heard anything back! I did tell them when I closed this account to make absolute sure these funds gets credited back to my account to pay off the balance. I am never doing business with this bank again! I want to file charges agains this bank for fraud! This is exactly what this is! This credit card is not even showing up on my profile anymore, and am blindsided to even know what my balance is! Think they are doing this on purpose!!! Cant pay this account even if I wanted to.Absolutely no information showing on this account to pay it! Only shows my old credit card number before it was changed with a XXXX balance. I received XXXX emails from the telling me im delinquent and must make a payment right away! They are not doing their jobs, and will only result in my credit report getting damaged again! I will sue the bank this time if this account causes any damages done to my credit report again because of carelessness!!! This is absolutely ILLEGAL!!! I know for a fact that I will have a case!!! Not ruining my credit I worked very hard for because they don't want to do their jobs and do the right thing!!! They should not be offering secured credit cards to customers, if they cant apply the funds to the customers accounts once closed! They do not have the right to just keep the money! That is fraud and theft!!! Also, there was a similar complaint filed with the CFPB a few years ago from the first issue I had with this bank for the exact same kind of issue!!! 
( Case # for the banks investigation which I never head back from. case # XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am adding more information to my previously submitted complaint # XXXX After doing more research regarding this Bank of America Account holder ( fraudster ), that they operate in a gang stealing cars from car rental Companies, & after preparing fake fraudulent Finance contracts to get financing from different banks, credit unions insuring vehicles, registering vehicles in XXXX New Jersey Pennsylvania XXXX XXXX bribing XXXX personnel XXXX these states producing fake vehicle title. A strange thing I noticed when I pulled XXXX records that they operate under XXXX companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX Owner Title of these companies is XXXX, No name of the Owners listed in XXXX division of Corporations. I am sure when they recieve these wire transfers into their Bank of America account they withdraw all funds right away in XXXX. Bank of America is ignoring all security protocols of a Business why these fraudsters are pulling all this XXXX. 
When I register my business in Florida division of Corporations XXXX, I have to provide my name Title & address. 
These fraudsters should be behind bars Before they hurt/victimize more people Bank of America should be more vigilant & follow Account opening protocols, Bank of America should flag these 2 companies accounts Audit them ASAP instead of ignoring & protecting their fraudsters business account holders. Once these fraudsters receive wire funds in their account they never ship product stop answering phone calls text messages. They keep changing phone numbers. Here are their phone numbers. 
XXXX XXXX XXXX I am sure Bank of America should have account holders ID or Drivers License. When this fraudster open a Business account 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 explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

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.

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , 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 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AL

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. 

US Dept of EDXXXX : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX : # XXXX , 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 explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KLS Financial Services, Inc
State: TX

Complaint narrative:
KLS Financial filed a debt collection with XXXX and XXXX on behalf of XXXX for a debt that belongs to a different XXXX XXXX. I called KLS Financial and told them I do not live in North Carolina, have never been to " XXXX XXXX XXXX, '' and was not born on XX/XX/XXXX. Their response was, " How do I know you're telling the truth? And we handle collections for the whole country, haven't you ever made mistakes? '' The case number with KLS is XXXX. The debt amount is {$500.00}, but the KLS person I spoke with referenced a second debt, assumably that they will be filing under my name if this misidentification issue isn't resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Independent Savings Plan Co.
State: FL

Complaint narrative:
{$7400.00} the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent

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 2023-08-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
{$760.00} XX/XX/2017 the company, keeps harassing me and calling me still, I want to date deleted from my credit report for harassment, also, I sold my information without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
I put a an initial fraud alert on all three credit bureaus on or about XX/XX/2023, yet there has been hard pulls on my accounts after this date. 

I have contacted all of the credit bureaus and could not get them to remove these sham/bogus/not initiated by me checks on my credit.

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 2023-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I discovered on my Chase online banking that my account had been hacked again. 
A total of 9 ATM UNATHORIZED withdrawals were made on XX/XX/XXXX. This occurred again after chase had send me a new card and returned my money back on XX/XX/XXXX. from previous claim with same situation. 
I immediately reached out to Chase bank again thinking how this could be happening again, after I had just received a new ATM card. 
The chase representative informed me that the transactions were made with my NEW card and my PIN was used. 
I was in disbelief, I explained to the representative that I never lost the new card and was always with me and I did not make those atm withdrawals. Also discovered by talking to the representative that an address from XXXX NY was on my account, that was the city and State where all the transitions from my previous claim occurred. 
The representative proceeded to remove that address from my account and a new claim was submitted on XX/XX/XXXX. for a total XXXX on unauthorized ATM transactions. 
On XX/XX/XXXX the claim with Chase was denied again, saying that the transactions were made with my atm card and Pin number and there was nothing they could do.

Company response to consumer: Closed with explanation