vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
On XX/XX/XXXX I went to my XXXX XXXX XXXXXXXX bill pay page to send a XXXX day financial gift to my son XXXX XXXX. I had often sent such a gift through XXXX XXXX XXXX to his XXXX XXXX account. This time instead of seeing his name listed under recipients I only saw " son. XXXX XXXX. '' No name - no account number. This was too vague and so I went to Zelle. I felt this was a newer service now being promoted by XXXX  XXXX XXXX so I went to their site. I started to fill out information but when asked for numbers on accounts I needed to check the cards and in moving to retrieve the cards the page clicked off on my tablet and I was not able to complete the transaction. I never gave information finally or approved the transaction to close. I still needed to send the gift so I called Zelle customer services to complete the transaction. Following instructions from someone purporting to be a Zelle agent I tried to complete the transaction. Too long on the phone, too many convolutions- including sending money back to myself and trying to verify my identity with requests to go to bitcoin and provide credit card info - I became suspicious, frightened and stopped communicating. 

I have been a " preferred customer '' of XXXX XXXX XXXX for almost XXXX years. I have trusted them and they have never violated that trust that I know. I went to Zelle only because they were posted on the XXXX XXXX XXXXXXXX site and based on the trust engendered by years with XXXX XXXX  XXXX. If I was " tricked '' into a scam I still believe the money- which was taken but never sent to my son- should be refunded to my account. Zelle is positioned prominently on the XXXX XXXXXXXX XXXX bill pay site and now I come to find out that XXXX XXXX XXXX owns Zelle and this kind of scam is known to the bank and on the rise. 

I am a law abiding person, an innocent and perhaps naive person, but I am not schooled in the ways of criminals and thieves. I put my trust for stable financial transactions in the hands of the bank and the government. I expect some level of protection from such illegal actions or at least some level of accountability on the part of agencies whose business deals with these challenges. I don't know scams nor do I have a cadre of experts engaged to root out such transgressions. I need honesty and fair play here - I am a widow trying to send a XXXX gift to her XXXX child - accountability is not too much to ask in the spirit of this season. Refund the money, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NY

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX  XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

INQUIRY - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 


XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: LAKEVIEW LOAN SERVICING, LLC
State: OH

Complaint narrative:
Lakeview is only offering a loan modification that changes my interest from XXXX to XXXX and increases my mortgage {$300.00} after covid 2019 forbearance on my FHA loan. They have told me that is my only option other than paying the balance in full. I am being forced into foreclosure. When I applied for my forbearance, I was told one of my options after forbearance ends would be to keep my current monthly payment and add the balance to the end of my loan. They are now refusing to honor that. I even asked them to pull the calls. Per my understanding of HUD XXXX XXXX, they should also offer me a repayment plan without changing my loan terms but they refuse.

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 2023-12-29 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with renewal
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Banked with WEBSTER BANK for several years. ALL transactions were electronic as there is no branch near me. 

Had a CD that reached maturity on XX/XX/XXXX and I called to instruct them on roll over. 

I was told I had a XXXX grace period to go to a branch IN PERSON in order to redeem my CD. The closest branch to me this week is XXXX miles away. I don't understand how they can take my money electronically but refuse to return it the same way! 

I instructed them to particiallly roll it into their current CD promotion. Was told I had to come in person. Instructed them to roll the full amount into current promotional rate. Refused again, unless I came in person. Instructed them to skip it and just roll it into the money market account. Again refused my instructions unless I came in person. 

The bank branch ( XXXX XXXX ) referred me to the call center. The call center referred me to the branch. Both offices refused my request to talk with a supervisor or manager Only option offered was that I come in person within the 10-day period. 

I am trying to understand how this Bank can take my money electronically but refuse to return it the same way. Its outrageous! I want my money and I want Webster to be sanctioned for what its doing. 

Thank you for your help with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This account does not belong to me, and I did NOT XXXX authorization for its use. Kindly remove this erroneous account from my records.

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 2023-12-29 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: IL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-12-29 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: IL

Complaint narrative:
I earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-12-29 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: FL

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

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 2023-12-29 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My bank, Ally Bank XXXX XXXX XXXX XXXX, PA XXXX Is unable to cancel recurring, scheduled transfers from my checking account at another institution to Ally 's held online savings account. I am unable to cancel this recurring transfer manually, both by online webpage visit and through their mobile phone app. This recurring charge is in the weekly amount of {$100.00}. When I try to do this myself, I receive error messages. 

I have spoken over the phone, as well as through online chat help function with Ally bank about this issue. They have told me verbally, on XX/XX/23 that this is a known issue and is being worked on through their IT department. But, until they fix this issue, the bank is stuck withdrawing {$100.00} a week from my checking against my instructions. This is unacceptable, and a basic online banking function that should be remedied, I should be able to dictate my own online savings account transfers. 

Thanks,

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: MA

Complaint narrative:
As of XXXX XX/XX/2023, I have been enrolled half-time in an accredited community college. Because of this, my student loans should have been automatically placed into forbearance. However, my account has not been placed into forbearance and I have had to make XXXX payments ( so far ) that I should not have been required to make. I had my school fax my enrollment status directly to MOHELA ( despite MOHELA 's claims that it checks enrollment status with FSA, which is obviously false ), and MOHELA has denied the status change. I filed a complaint with FSA directly on XXXX XX/XX/2023, with a promise that I would hear back from them within 15 days, but I have not heard back in over 30 days. I contacted MOHELA on XXXX XX/XX/2023, and I was told over the phone that MOHELA is unable to verify my enrollment information. I was placed on administrative forbearance on XXXX XX/XX/2023, and the forbearance expired XXXX XX/XX/2023. I received notification of this forbearance even existing via USPS on XXXX XX/XX/2023. I have another payment pending at the moment, and this delay in applying my in-school deferment is unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: NJ

Complaint narrative:
XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XX/XX/2022 - This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XXXX- Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX XXXX - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 


XXXX XXXX, XXXX, and Equifax have 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 an 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 or 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 data is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: SC

Complaint narrative:
I looked on my credit report and seen that I had a debt from this company call rent recovery solutions in the amount of XXXX dollars my rent was XXXX without water sewer and XXXX  control and that was like XXXX dollars all together they would have been put me out if I had owe XXXX dollars my lease was up XXXX the XXXX XXXX I left at the end of XXXX because they didn't fix my roof it was causing mold in the ceiling which was in my XXXX XXXX and in my XXXX  and i was on the XXXX XXXX  and I have XXXX XXXX XXXX I reported but they never fixed it so I left before I end up in the XXXX  I understand I owe for XXXX and XXXX and up to XXXX the XXXX but I dont owe no XXXX dollars thats a false report and plus i always keep my apartment clean I have pictures of the mold and my apartment of how clean it was and I have been requesting documentation of what was owed and no documentation was provided to me before reporting to my credit report and plus I was on XXXX XXXX XXXX  XXXX  so they was paying my rent for me since the end of XXXX up until XX/XX/XXXX I have documentation of this so I need this false report off of my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: IL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: AMALGAMATED TOKEN SERVICES, INC.

Complaint narrative:
Hello I am reaching out to you because I have a complaint regarding coinlist. 

The issue is that I transferred XXXX from my XXXX XXXX XXXX to my CoinList wallet by a mistake. What I had to do was to transfer it to my XXXX XXXX instead. 

Then I contacted Coinlist to get some help to transfer my XXXX back. They answered back that they would look into and afsked for my wallet adress so they could send my XXXX. But from there on I did not hear from them again. This is 6 months ago I have tried reach to them a couple of times but they dont reply anymore. So now i am in a position where have XXXX on my coinlist wallet that should not be there. 

Is there any way that you could help with getting my crypto back to my first crypto account. 

Below you Will find my transaction information regarding this issue and also attached is my identification information. 

TxID : XXXX From : XXXX XXXX : XXXX Best rega

Company response to consumer: Untimely response
Consumer complaint received 2023-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from XXXX credit report as soon as possible.

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 2023-12-29 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: CA

Complaint narrative:
In XX/XX/XXXX I applied for the XXXX  repayment plan for my direct student loans through studentaid.gov. My servicer is now Nelnet. I didn't get a response on the decision until XX/XX/XXXX with a letter stating my IDR was approved and I should be placed on the XXXX XXXX beginning XX/XX/XXXX. This did not happen. Nelnet instead placed my direct loans into an Income Contingent repayment ( XXXX  ) plan without my consent or knowledge. I emailed Nelnet twice asking for a correction after I discovered this and was told on XX/XX/XXXX that yes, I was approved for XXXX and XXXX would reprocess my XXXX  application. On XX/XX/XXXX I called to check the status and was told they were still working on it since it would take up to 30 days. I was told once it was reprocessed, the XXXX plan would be retroactively effective XX/XX/XXXX and any interest accrued would be adjusted. I received no communication from Nelnet and no changes were made to my loans, so I called them on XX/XX/XXXX. There was alot of confusion as to what had been done to my IDR application and it was discovered that my original XXXX approval had been canceled and I was then put on the XXXX plan. No explanation was given for why this happened and Nelnet would not reinstate the XXXX plan I had been approved for back in XXXX. I confirm the info on my original XXXX  application and was told they would process it again but not with the XX/XX/XXXX start date. They offered no other solution to me and said it would take at least XXXX weeks to process again. Meanwhile interest continues to accrue on my loans at an incorrect rate because they are still in the XXXX plan that I did not request or consent to,

Company response to consumer: Closed with explanation