vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 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: VA

Complaint narrative:
I hold loans with MOHELA in the amount of approximately XXXX from medical school. In fall of XXXX, I consolidated them together and applied for the PAYE plan. Due to the student loan pause, I held off on making payments, saving so that I would be ready when it restarted. On XX/XX/XXXX I applied to switch from PAYE to the SAVE plan for lower monthly payment and interest subsidy, as my monthly interest is way above what I can afford to pay at this point in Residency. It has been left processing since that day, with no further information from MOHELA. I attempted to call in late XXXX and early XXXX, and was given basically no information after being on hold for almost an hour. The people attempted to reach out to supervisors, and I was passed along multiple times, but no one had an answer. I was eventually told that it is just " stuck '', it is broken, it can not be processed and they aren't sure why. I was told I was " stuck '' on PAYE during the first call, but then in early XXXX I was sent a message stating I was on standard repayment and my first payment would be around XXXX a month. I called back, was on hold again for over an hour, and given the same run-around. This time I was told it is still stuck, but I was transitioned off of PAYE to standard and they weren't sure why, but they couldn't change it back. After an extended time, I was told that I would be placed on forebearance starting in XXXX. When I asked about the interest subsidy, as I should be on SAVE and not having increasing interest with payments, I was told they can not do anything about it till it is fixed. I was told after it is fixed, I may possibly be able to file a complaint to have it adjusted but this is not guaranteed. I am extremely frustrated as I sent in the information over 2 months ago, and they have given me no answer or timeline despite multiple hours and calls. I am also having increasing interest when I should not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This bureau continues to report addresses that are not mine and uses these addresses to verify accounts that are not mine when I dispute the fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I opened my checking account onXX/XX/XXXX on XXXX XXXX XXXX XXXX branch with the representative XXXX XXXX. 
On the same day that my account was opened my online banking was locked. I sent several emails to the representative without geting any answer and also called customer service but because I dont have the debit card they cant verify me. 
Is a loop that doesnt have a solution. I have a VPN on my phone for security company reasons ( from XXXX ) so maybe thats why was locked.

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 2023-09-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I disputed my medical bill of {$720.00} with Medical Data System, and they told me to pay {$650.00} and it will be removed from my Credit Report. i paid the balance of {$650.00} on XXXX which was affecting my credit score.

Medical Data System have not provided me receipt of my payment till today ( XX/XX/XXXX ). i am in a process of buying a house and i need a proof for Loan company, where it shows i made the payment to Medical Data Systems XXXX I called so many times for a receipt and i spoke to the XXXX today " XXXX '' XXXX employee number # XXXX and requested again to provide me a receipt of my payment, they says it takes XXXX to XXXX business days for them to process the receipt and send in the mail, it is my right to get a receipt when payment was made, or at least send me a receipt after 3 days when payment was made ( payment was made on " XXXX '' ). 
i am running out of time with my closing date, and this payment is dropping my credit score XXXX points, which is making my monthly payment really high. 
i really need that payment proof immediately, and i called so many times and requested them. i feel Medical Data System process is not according to CFPB rules, if i already paid and money is taken from my bank account, then why they can't give me a payment receipt, today is 9th day i am still waiting. also they have no system where they can email the receipt to me. they have no idea how system work, they just say it will be processed. i feel i will loose my Due Diligence amount i paid for the house, and i won't be able to get a proof of payment i made.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Please know the information on my credit report is not correct. I've listed my name and addresses that do not belong to me. I need this fraudulent information removed immediately. Being a victim in the past I am trying my best to ensure my information is reporting accurately. Please remove it urgently.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: ME

Complaint narrative:
In XXXX of XXXX to go ontrip to XXXX, went to XXXX office to check if needed updates to my phone, they said I was all set, flying into XXXX XXXX I lost phone service for the entire trip. Returning home, I contacted them to complain about the matter, eventually I did talk to someone who claimed to be mgr of local office. He explained that I had been misinformed and they needed better training and he was sorry. I then cancelled my contract but they said I would still owe money, which I made clear I would not pay. they kept billing with added charges, I told them to sue instead they turned it over to collection agencies, eventually this Jefferson XXXX filed a claim of non payment which XXXX logged. For the years since I never heard anything back, maintaining an impeccable credit rating up to XXXX A couple of months ago purchased a new vehicle for my wife and things blew up with XXXX reporting to my credit union serious issue re : credit rating, damaging rating down to low 700s fortunately my dealer agreed to match original payments offer. XXXX has been less than helpful saying they are neutral while promoting new credit card offers to me constantly, strange dont you think? Please help me deal with this bogus event.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My account was late based on a special circumstances ( hardship ) all fees were waved ( 1 time exception ) but my credit reports late 30 days

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Since I opened this checking account on XX/XX/ at XXXX XXXX XXXX XXXX branch in XXXX with XXXX XXXX I not being abble to enroll in online banking, I been sending several emails to the representative without any answer and also called customer service several times without a solution. The last time I was requested to send a W8 form so they can assign a " SSN '' to enroll in online banking. Im not US resident so I dont have SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Credit Karma reported outdated information from 2020 from a creditor. I also contacted the creditor and was told they do Not report to Credit Karma and that I should contact the 3 credit bureaus. They Also reported that the account was open and it was closed. I was told directly by the creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

Inquiry from XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX on XX/XX/2022. 
Inquiry from XXXX XXXX XXXX on XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern you're reporting XXXX XXXX XXXX account XXXX as an open account Which is not under FCRA Compliance, this is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX Original creditor MIDLAND CREDIT MANAGEMENT : I received an alert from XXXX regarding this collection earlier this year. This is not my account. I tried resolving and disputing with XXXX but they failed to investigate as well as I tried multiple times to contact MIDLAND CREDIT and they never answer or return my call nor have they even sent me any type of notice or proof that this debt exists. I believe that MIDLAND CREDIT MANAGEMENT is trying to collect on an account that is not mine and XXXX is not doing anything about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: William D. Meeker Enterprises, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Inquiries : CIC XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, American Express and XXXX falsely in my name. I have never requested any cards or products if XXXX, American Express or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, XXXX XXXX or AMERICAN EXPRESS ) in the last 2-3 years. It is fraud. Please remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for Citibank, XXXX XXXX and XXXX falsely in my name. I have never requested any cards or products if Citibank, XXXX XXXX or XXXX. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company XXXX XXXX in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO XXXX AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( CITIBANK, XXXX  XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.

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 2023-09-19 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: 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. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$520.00}. 
XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$380.00}. 
XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$58000.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$1400.00}. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a XXXX XXXX credit line of {$1000.00} in XX/XX/2022. Approximately 6 months later my credit line was decreased to {$700.00} ( my balance at the time was between {$600.00} and {$700.00} ). I believed at the time it was due to a possible late payment. I recently went onto my account to schedule payments ( I usually schedule 2-3 months of bi-weekly payments ) and noticed my credit limit was decreased to {$400.00}, my available balance was {$52.00}. When I contacted Synchrony Bank, the representative told me it was decreased due to the credit checks they do every 6 months. Eventually, as I pay down my balance, they will continue to decrease my credit limit denying me access to use the card. I then asked if Synchrony Bank owned XXXX XXXX, she answered yes. This also happened with my XXXX XXXX XXXX which only had a {$300.00} limit at its highest. Then it went to {$200.00} as I made payments, then {$100.00}. I paid off my balance at one point and when I went to purchase something I was declined. When I contacted the number on my card they advised me it was due to my credit scores. 

Not only was I never notified in writing of these changes in my credit lines, I was also not notified of my XXXX XXXX card being closed altogether. These frequent credit checks are affecting my over all credit score ( not great, but I don't request things often in order to protect what it is ) and those credit checks stay active on my account for 2 years. 

I have a XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and have never had issues with payments or credit line decreases. Its the opposite with them actually. They increase my limit without me even asking. As of today, XXXX shows XXXX ( up XXXX pts ) and XXXX XXXX ( up 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XXXX, I requested a credit report. When I received the report, I noticed credit inquires for XXXX, XXXX XXXX and Affirm falsely in my name. I have never requested any cards or products if XXXX, XXXX XXXX or Affirm. Ive contacted XXXX and Ive followed through with the process. 

Currently it is XXXX, and the inquires or request for these cards are still on my credit report. Divulging deeper, I took into account a specific address XXXX, GA address that appeared on the XXXX and XXXX credit report. That address does not belong to me. Recently XX/XX/XXXX an associate from XXXX expressed to me that the XXXX, GA address has been flagged in various fraud cases. 

Another case of XXXX, is from the company AFFIRM INC in which I have no association with and do not recognize. Ive noticed an approximate {$500.00} loan was applied for. Again, this is not my identity. Also noticed that no payment has ever occurred. 

I REACHED OUT TO AFFRIM AND THEY STATED THEY DO NOT HAVE ME ON RECORD, but the dispute was returned as stay the same.. which gives untruthfulness. 

As mentioned before I did not apply for any products/ services from these companies/banks ( XXXX, AFFIRM XXXX or XXXX XXXX ) in the last 2-3 years. It is fraud. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: 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.

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