vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I want this off my account

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 2023-06-05 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: CA

Complaint narrative:
See document attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR

Complaint narrative:
By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX and XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to grant me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including XXXX XXXX XXXX XXXX XXXX, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with XXXX XXXX in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: LA

Complaint narrative:
I am a borrower whose loans are with MOHELA and am currently waiting for PSLF, especially verification of my employment history. I submitted three separate forms for my employment to be verified along with my PSLF application in XXXX, and to this day ( XX/XX/XXXX only one form has been processed. I called MOHELA eight weeks ago and they said they would follow up ; I have called today and they said the same thing. I would like my full application to be processed before student loan payments resume. I should be eligible for full PSLF having been employed for ten years, but MOHELA seems unable -- or unwilling -- to process the forms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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: TN

Complaint narrative:
I reviewed my consumer reports and noticed that I had late payments on an account that I was never late for. Consumer reporting agencies have assumed an important role and have a responsibility to report consumer information to the best of their ability with precise accuracy. I have never been late on payments for this account ( XXXXXXXX XXXX XXXX, acct # XXXX ). Please investigate and provide me accurate proof with statements showing that these payments were late. If proof cant be provided I sincerely ask these payments be updated to On Time as they should be being that I was never late. Thanks for your time handling this matter.

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 2023-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Me and a friend and I met a guy who asked if know anything about investing and stocks we said a little so he said let me show you to pass it down. I met the guy in person a few times, let him use myXX/XX/XXXXwhich has my devicesXX/XX/XXXX. Fast forward he was telling me and the friend that well get this much back in stock and investment pretty much prolong the situation on when getting money then the XXXX crashes. When the friend was sending money from his bank to my old cash app account that was close due to being hacked, the only way I knew was from an old email that was also hacked. And we just now reporting it. Im sure can do anything about that but I dont want the bank to try and blame me from fraud when one my cash app was hacked and the zip code and address is not my actual address and cash app keep saying they cant verify my identity even tho my name and I think Ssn was on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: FL

Complaint narrative:
On the XXXX of XXXX I tried to call my bank and got no answer. The bank has locked my card and blocked my phone I can't get them to answer me. Just keep putting me on hold since Friday XXXX can I get thru to direct express bank to release the hold on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: SC

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 XXXXXXXX XXXX acct # XXXX, XXXX acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I made an internal transfer by mistake from my Bank of America account to another account of the same bank. I reported it since I found out about the error and they told me that they would resolve it in 10 business days. If it was a direct transfer, there was no problem. 15 days passed. I called and they told me that they closed the case without any response and reopened the case and they tell me that 45 business days while the person who has the money in the account can spend it

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 2023-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX/ Account number XXXX XXXX XXXX/ Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

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 2023-06-05 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: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX/ Account number XXXX XXXX XXXX/ Account number XXXX 15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My bank account was hacked, and someone has accessed my Username and Password to turn on my Debit Card. I was alerted by email, that they had breached the account. I then changed the Password, and ordered an new Debit Card. Also, I have had problems in the past. Someone used my debit card XX/XX/2022 to make a {$99.00} purchase from a fictitious XXXX XXXX. The same day I had made a legitimate purchase using the same debit card from the legitimate XXXX Website. Which indicates they know where I live, and my Wells Fargo Debit Card Number, and possibly XXXX  Number. They have also accessed the exact place ( XXXX ) that I'd made a purchase, and the exact amount I used the card to make a purchase for {$99.00}. Thank you for your attention to this matter. 

Sincerely, 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 2023-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFPB, I am writing this email to file a complaint against the Chase credit card dispute department. 

In XXXX, I initiated a dispute due to non-delivery of my merchandise from XXXX. The Chase credit card team requested me to provide an explanation via email and asked for supporting evidence. I promptly provided the required evidence as requested. 

Today, after over a month, I have not received any updates. However, in XXXX, I received a notification from the merchant stating that the transaction amount had been charged back by the bank. So, I called the Chase dispute team to inquire about the status update. 

To my surprise, their team responded that they had helped me recover {$100.00}, and {$19.00} was still outstanding. I clarified that the {$100.00} was the refund provided by the merchant for a different item return and had no relation to the disputed transaction. The customer service representative abruptly hung up the call and did not provide any further response. 

Upon reflection, I realized that something was amiss. My evidence clearly indicates a disputed amount of {$110.00}, and the transaction records support this. The {$110.00} has already been shown as charged back on the merchant 's page. 

Therefore, I suspect that this may not just be a banking error but rather a case of the bank embezzling both the {$110.00} and {$100.00} from the two separate chargebacks. I only received {$100.00}, which was the refund issued by the merchant, while the bank appears to have misappropriated the two chargebacks. 

I kindly request the CFPB to investigate the bank 's actions, ensure that I receive the rightful refund, and prevent any further embezzlement by the bank, taking advantage of both sides. 

Thank you. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope this message finds you well. I write to inform you of a serious matter concerning our previous interactions. Specifically, I believe there has been a violation of the Fair Credit Reporting Act ( FCRA ) as it pertains to the handling of my account. 

I have documented these concerns in a formal complaint, which I have sent via XXXX mail. Please note that this communication serves as an official notice of my intent to file a lawsuit if the situation is not addressed in a timely and satisfactory manner. 

I expect to be contacted by your legal counsel or appointed representative in the shortest possible time. Please do not respond with the standard 'verified ' or 'accurate account ' rhetoric which seems to be commonplace in such circumstances. Instead, I am requesting for your full attention, responsibility, and prompt action in this matter. 

I hope that this can be resolved amicably and promptly, without necessitating further legal action. However, rest assured that I am prepared to protect my rights under the law. 

Please treat this matter with the seriousness it deserves. I look forward to hearing from your legal representative soon.

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 2023-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: EGL US, LLC
State: FL

Complaint narrative:
I am writing to bring to your attention a serious violation of my consumer rights by BMG MONEY INC. I have recently discovered that BMG MONEY INC have reported a late payment on the above account number to the consumer report without my consent. This has had a negative impact on my credit score and has caused me great inconvenience. This is a clear violation of several laws that protect my privacy and financial information, including 15 USC 6802, 15 USC 6802A, 15 USC 6801, 15 USC 1681 and Privacy Act. Under these laws, financial institutions are required to obtain explicit consent from their customers before sharing any personal or financial information with third parties, such as credit reporting agencies. By reporting a late payment on my consumer report without my consent, your institution has violated my right to privacy and control over my personal information. Furthermore, I have reason to believe that BMG MONEY INC has also violated my privacy rights by reporting my personal information to third-party credit reporting agencies such as XXXX, XXXX, and XXXX without my explicit consent. As a customer of BMG MONEY INC, I have the right to be notified of any negative information that is being reported to credit reporting agencies. I also have the right to control the dissemination of my personal information and to ensure that it is only shared with authorized parties. 

I demand that BMG MONEY INC rectify this issue immediately by removing the alleged late payment from my consumer report within 5 days upon receipt of this notice and providing me with a written explanation of the steps you have taken to address this issue. I urge you to take immediate action to rectify this issue and ensure that your institution follows all applicable laws and regulations. Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-06-05 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05 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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC
State: IL

Complaint narrative:
Cease and Desist XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Pursuant to 15 USC 1692 ( c ) I am notifying you that I refuse to pay this alleged debt. I am requesting that you cease all forms of communication with me through any & all mediums unless it is related to remedy for the consumer. 

Pursuant to 15 USC 1692 ( c ) ( 2 ) I am invoking my specified remedy for consumer, I am requesting all of the following : 1. Zero out the balance on this account. 
2. Close Account 3. Request Bureaus Remove Account from Reports 4. Cease All Attempts To Collect Debt 5. Cease all communication

Company response to consumer: Closed with explanation