vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-02 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: IL

Complaint narrative:
I made a student loan payment on XX/XX/XXXX through Mohela, my student loan provider. I called Mohela on XX/XX/XXXX and requested a refund for this payment. I was informed by the servicer that I would not receive this refund for many months. I was also informed that I would not receive a confirmation that the refund request was processed. Mohela said my loan balance will not be reinstated with the refunded amount until I receive my refund, which they said was going to take a very long time. 
I am concerned that I will not receive my refund before XX/XX/XXXX, which is the government deadline to submit a loan forgiveness application in order to not accrue interest starting on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: IL

Complaint narrative:
I contacted Lexis Nexis to let them know that I did not give them permission to share any information. I filed an initial complaint about them sharing information without permission. They claimed they could not verify my identity however they sent me a letter acknowledging they know who I am along with a PIN number and case number ( XXXX ) in case I would like to share my information in the future. This company is being deceptive in saying they can't verify who I am but continuing to share information and so called " verifying '' information for other companies. I have attached the letter they sent me because they continue to use my identity without permission. I'm sure they are aware of the damage they do to a persons reputation with their continued deceptive practice.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, CBA XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
In XXXX, Capital One Auto Finance reported my account as " 30 days past due '' which was incorrect. I'd never paid my account late. I contacted them directly and they refused to update my account status. I then disputed the inaccuracy of their reporting directly with each credit bureau which then confirmed through Capital One AF that the status was accurate, but it is not. Additionally, each credit bureau is reporting a different " delinquent payment '' month which further process the inaccuracy of the reporting. 

In XX/XX/XXXXXXXX XXXX  XXXX reported a collection account to XXXX on behalf of XXXX. I directly disputed the validity of this account with the credit bureau with no resolve. Additionally, I contacted the collection agency by mail since I'd not received any formal communication about this alleged debt prior to reporting which is a violation of the FDCPA. I've yet to receive a response from the collection agency and the account remains on my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX account XXXX  have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions

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 2022-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My account was closed with out reason and my funds are being withheld without reason from Bank of America

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 2022-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ARS National Services, Inc.
State: CA

Complaint narrative:
I am receiving information regarding a debt but the collection agency does not provide the information to verify this debt. They are sending information for a limited amount of time but they state that this credit card was opened in 2015 but they keep sending me information and records for years but no information for 2015. I was sent information listings that includes other customers name and their personal information including my personal information. I requested information regarding the credit approval in 2015 3 times to no avail. I am really concerned about the information being sent to me regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2022 I noticed two fraudulent XXXX withdrawals on my Bank of America account for {$3500.00} and {$1000.00} on XX/XX/2022. I called BOFA XXXX fraud department and reported the crime. 

I told them I have no idea how the criminals accessed my account. Perhaps, phone or fishing attacks. BOFA never provided me with any claim number or any way to provide further info. After 10 days they closed the claim and denied fraud by saying I have authorized the transactions through text. I did not. I have no " proof '' as I was the victim of a crime. 

They have provided me no help. Under Regulation E BOFA is required to protect me from crime and fraud. 

Please help me get BOFA to do their job.

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 2022-09-02 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: TX

Complaint narrative:
On XX/XX/XXXX I sent a letter to Equifax asking them to investigate some inaccurate accounts on my credit report and I have not heard back from them. They have not responded in nearly 2 months and I am very frustrated because this is not the first time I have tried. I also tried to get it fixed by contacting the furnisher directly and they did not resolve it, instead they told me to contact the credit bureau which I already did that. This company willingly violated the FCRA by not completing their investigation in 30 days and they never provided any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I was notified by my Experion Credit app that I have a collection on my near perfect credit from an energy company, XXXX XXXX, ( which I DID NOT authorize or apply for, in a city I do not live in ), in the amount of {$2900.00}. The account was apparently opened on XX/XX/2022 and was reported to my credit as being deliquent and in collection in XX/XX/2022. On XX/XX/2022 I called XXXX to report identity theft and fraud with this collection debt. XXXX told me that I needed to file an Identity Theft Report with the FTC and my local police department then upload the document to XXXX 's docucenter for their files. I also called the collection agency known as Online Information Services to notify them of this fraudulence and identity theft. They provided me the original account information as well as the address to where the XXXX XXXX was providing service. Online Information Services, the debt collector, also told me I will need to fax XXXX XXXX the Identity Theft Report and they provided the fax number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I have my Goldmans Sacks Bank USA, website by marcus.com, online saving acct. opened for many years, no issues before. They don't have local branch office here near me. 
But, back in earlier this XXXX, I found other banks have higher saving rate. So I wanted to transfer my money to the other online banks. I was able to login my GS bank online account ok with my correct login credentials. However, after I login, when I tried to do online money transfer to the other bank, keep getting the error message 'There is a technical error. Can't complete your transaction. Login back later. ' For 2 weeks, I kept logging in back for several times to access my online acct. correctly. But, keep getting the same error message to transfer out my money. I finally called their customer support and told them this online transfer issue. At the beginning they verified my acct. infor. But once they heard I wanted to transfer my money out. They made excuse to ask me additional my family infor. I told them they already verified my acct infor. Any additional family infor. is my privacy. They have no right to ask these. And suggest them if they want to ask additional questions, they can ask standard security questions like all other online banks use. I have no issue with all other online banks. But, they refused to do so. My transaction was still on hold even after calling them. I then sent them a letter by post office in later XXXX or earlier XXXX with my signature and correct address to request to close my this online acct. and send me a bank check of the remaining balance. I haven't heard back since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-02 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: CA

Complaint narrative:
In According with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions

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 2022-09-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In According with The Fair Credit Reporting Act XXXX XXXX account XXXX ; XXXX XXXX account XXXX ; XXXX XXXX accounXXXX XXXX have violated my rights 15 U.S.C 1681 Section 602 A. states I have a 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 written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 Account, XXXX XXXXXXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Sunset Solutions Group, LLC
State: IL

Complaint narrative:
I received a call this morning ( XX/XX/XXXX ) from someone claiming to be a debt collector from Sunset Solutions Group, after this person had already called both my parents, my sister and my grandfather. They stated that they have been trying to get ahold of me to notify me that judgement would be taking against me and that I will be taken to court for 4 outstanding debts with payday loan companies that I have never previously heard of. I have never put down my sister or Grandfather as a reference on any sort of application. When I asked the representative for a date when these loans were taken out she said she couldn't tell me a date but that they were charged of in XXXX, so they had to have been taken out awhile before that. When I repeated that I have no idea what these companies are and have never even heard of them, she had all of my personal information and stated that I had to have filled out these applications in person because it was all on there, so I was responsible for these debts. Each loan was in the amount of {$500.00} for a total of {$2000.00} owed. She stated I had 3 {$500.00} loans out with XXXX XXXX and another {$500.00} loan with XXXX XXXX XXXX. When I looked up XXXX XXXX, it showed a physical location out in XXXX XXXX but the image showed XXXX XXXX XXXX. I tried to call the number listed but it was just a voice recording and the only option I was able to press was to continue in English, and then the line would disconnect. When I looked up XXXX XXXX XXXX, I found multiple complaints from other people stating they had debt collectors calling to collect for a loan they had never taken out and had never hear of XXXX XXXX XXXX. When I went to their website, there is a big notice on the front page of the website that states " Fraud Alert- Be Aware Of Scamming Collection Agencies Using The Name XXXX To Try To Collect Money. XXXX Is Not A Lender And Does Not Report To Credit Agencies So You Do Not Owe XXXX Any Money. We Are Only An Advertising Agency In The Financial Sector. If Some Company Calls Or Emails You Saying You Owe XXXX  Money Its Not True And Report Them To The CFPB Or FTC For Fraud. '' Also, when I went to look up the Sunset Solutions Group phone number, the phone number listed was not anywhere close to the phone number that I received the call from ( XXXX ). She also stated that these companies have been trying to get ahold of me via phone, never received any such phone calls, and by email and when I asked what email they were being sent to, it was an email address that was my first and last name but I have never had any such email address my entire life. When I asked what employer they had down for me, while the employer was similar in name to my actual employer, it was not the correct name.

Company response to consumer: Untimely response
Consumer complaint received 2022-09-02 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: EQUIFAX, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act Account, XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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: EdFinancial Services
State: NJ

Complaint narrative:
In light of the recent announcements about loan forgiveness up to {$10000.00}, I called EdFinancial to reinstate my loans that I paid off in XXXX of 2022. I asked for a refund of {$10000.00}, and I was told that they could not provide confirmation that this request was submitted and that the request would take over XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: WA

Complaint narrative:
I called them and told them every month it says I owe XXXX $ I asked them to please make my account reflect the amount I actually owe because I need to be able to see my bills every month and having XXXX $ listed as what I owe is confusing unless of course I actually owe them nothing. 
I contacts them about this in XXXX and in XXXX and they havent fixed it. This month it says I owe {$40.00} when clearly I owe more than that.

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 2022-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I checked my report and was not able to dispute this information online. 
XX/XX/XXXX called number provided to dispute these inquires and was directed to file with the FTC. Upon following the direction given I was redirected to CFPB. 

I did not give these entities permission or consent of any kind to obtain my personal and private information. Nor did I request information from these entities. Nor do I have an open or closed account with these entities. 

I dont recognize the following entities and am requesting these entities be removed : XXXX XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX XXXX LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Thank you

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 2022-09-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I have had this lease, 2022 XXXX XXXX, since XXXX of 2022. Every single month, I've to reset my PW to make my lease payment and this month, it isn't working. I've tried to talk to XXXX and they do not seem to care. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I received a text that appeared to be from XXXX. It asked if I was attempting to transfer money via wire from my account. I responded no. A man called saying he was from XXXX. He called from a number that was on the back of my debit card. XXXX customer service number. He then used information to gain access to my account and trans {$3200.00} from my account. His name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I HAVE ALL OF MY BANK STATEMENTS SHOWING THE PAYMENTS THAT I HAVE BEEN DILIGENTLY PAYING, ESPECIALLY THE EXTRA PAYMENTS ON THE PRINCIPAL AND IVE FILED COMPLAINTS SEVERAL TIMES AND INSTEAD OF CORRECTING THE PROBLEM THEY DO THE OPPOSITE AND TAKE MORE MONEY AND ADD IT TO MY PRINCIPAL AND I BELIEVE THAT THEY ARE PURPOSELY DOING THIS BECAUSE THEY CAN!!! I WOULD LOVE IT IF SOMEONE COULD HELP ME FOR I AM FRUSTERATED AND VERY CONCERNED I AM FAR FROM BEING RICH!! THANK YOU XX/XX/XXXX XXXX XX/XX/XXXX {$1500.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$1500.00} THEY ARE REVERSING ; MY PAYMENTS AND THEN JUST TAKING THE MONEY OFF MY PRINCIPAL AND THEN THE MONEY JUST DISAPEARS .... 
.SHELL POINT MORTGAGE COMPANY DBA NEW REZ XX/XX/XXXX {$3200.00} XX/XX/XXXX Escrow Only Payment {$00.00} {$00.00} {$3200.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02 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 ( AccountXXXX XXXX XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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