vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. XXXX XXXX XXXX., No. 95-6445 (C.D.Cal. XXXX XXXX XXXX), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have relationship checking with BMO. BMO Harris is not ready for prime time or ready for external customers.

1. I couldn't open the online account. Have to do it over the phone - full 1.5 hours and it took around 10 days for them to open the account. This is the same situation for the last 2.5 years for BMO Harris. Even at that time i filed CFPB complaint but no improvement in BMO. 
2. ACH transactions to outside bank accounts of mine is not working. CFPB complaint filed- no action from BMO till now.

3. On XXXX XX/XX/XXXX XXXX  - I sent a XXXX  transfer to my own personal checking account at XXXX  XXXX ending in XXXX. That transaction was too slow but finally went. Money was available in XXXX XXXX on XXXX XX/XX/. I couldn't understand XXXX transfer is done in few minutes -why it took so long for BMO to do it. 

Today I tried to do another XXXX transfer from my BMO account to the same XXXX XXXX account ending in XXXX. XXXX transfer is blocked. I need to call BMO. BMO Customer service told me - unusual transaction that's why blocked. I said what unusual- it was done to the same bank - one week back. She had no answer. Stated that she submitted the request to take the hold off and it will take almost 5 days for the money to reach my account in 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paysend US LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, {$950.00} was taken from me through a XXXX party app called Paysend. I had gotten an email from XXXX and clicked it. I had entered in my card number to receive {$10.00} but instead, {$950.00} was taken from me from a scammer. This purchase was unauthorized and I talked to my bank the same day it happened. I talked to them an hour after I noticed what had happened. They had sent me a provisional payment about XXXX weeks later but on XX/XX/XXXX, I got a letter in the mail explaining that my provisional payment would be revoked due to documentation from Paysend. I have reached out to my bank in attempt to understand what documentation this would be because overall, this purchase was unauthorized. I also reported the incident on the same day and upon looking up some information, I found multiple sites stating that the most they would be able to take from me is {$50.00}. When I called the bank, I couldnt get ahold of the right person after being on hold for XXXX hours and transferred multiple times. I have screenshots of the incident which is my documentation that the purchase is unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: MA

Complaint narrative:
I believed that my student loan payment may have been incorrect but decided to try to pay the incorrect amount anyways but the website does not let me pay due to error in the website. I have a screenshot, that is time stamped, available if required for proof. I tried calling MOHELA numerous times only to be placed on hold. I did not receive my student loan payment information until 3 weeks prior to the date it was due for repayment. So not only have I been unable to speak to anyone from MOHELA for the past month ( because I called before I received the letter in the mail with my payment info ), but I have been accruing interest on my loan when I am now unable to pay it and will be past due on my payment. I do not understand why this is such a mess when the loan servicer should have anticipated this months prior to repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays has posted my account as delinquent, damaging my credit, while ignoring my repeated attempts to get them to acknowledge and correct their failure to enter correct information on my account showing I never owed a charge from a merchant which I contested and which the merchant withdrew after I filed a XXXX  complaint against them. 
There were two improper charges of {$52.00} made by the merchant, and Barclay sent me notifications on XX/XX/2023 ( Case ending in XXXX ) that I had a provisional credit for the first {$52.00} dispute and another a notification that I had a provisional credit for the second disputed charge of {$52.00} on XX/XX/2023 ( Case ending in XXXX ). 
However, the second charge continued to appear on my subsequent monthly bills despite my telephonic requests and written requests ( my letters to Barclay XX/XX/XXXX and XX/XX/2023. 
This continued even after the merchant advised me in the XXXX  complaint that the charges had been withdrawn. 
Telephone calls to Barclays were inconclusive since none of their representatives was able to speak XXXX without such a heavy accent as to make them unintelligible. 
Barclays has never responded to my letters or given me the results of the " investigation '' the supposedly conducted into the bogus charges of the merchant which were subsequently withdrawn by the merchant who made them. 
Instead, they have continued to seek payment for a charge they were reimbursed for as well as charging me interest and fees on a dispute which was resolved in my favor. 

I would be happy to provide copies of the referenced documents but the CFPB upload restrcts uploads to 10MB and they all exceed the limit.

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 2023-10-13 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax regarding unauthorized inquiries on my credit report. I have attached additional documentation to support my claim. 

Complaint Details : 1. **Unauthorized Inquiries** : On XXXX XXXX, I discovered unauthorized inquiries on my credit report from Equifax. These inquiries were not initiated or authorized by me, and as a result, have raised serious concerns about the security of my personal information. 

XXXX. **Attached Documentation** : Enclosed with this complaint, you will find the following supporting documents : - [ List of attached documents, such as ftc report XXXX identification documents as requested by equifax rep ] 3. **Impact on Financial Standing** : The unauthorized inquiries have the potential to negatively impact my creditworthiness, which could have far-reaching consequences on my ability to secure loans, obtain favorable interest rates, and even affect my employment prospects. 

XXXX. **Attempts to Resolve** : I have made repeated attempts to contact Equifax to rectify this situation, but have received no response or assistance in addressing this issue. This lack of responsiveness has only compounded my frustration and concern.

5. **Request for Investigation** : I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter to ensure that Equifax complies with federal regulations and takes necessary steps to rectify the unauthorized inquiries promptly.

I believe that Equifax 's failure to adequately address this issue not only jeopardizes my financial well-being, but also raises questions about their commitment to consumer protection and compliance with applicable laws and regulations. 

I appreciate your prompt attention to this matter and request that you keep me informed of any progress or updates regarding the investigation. 

Thank you for your assistance in this important matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 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: CA

Complaint narrative:
Trans Union credit reporting agencys shows fraudulent inquires, please remove all fraudulent inquirys and XXXX fraudulent account listed below XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX inquiry date XXXX XXXX acount XXXX XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act, this credit reporting agency EXPERIAN XXXX. and the creditor XXXX XXXX has violated my rights, under 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account with out my written instruction. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. XXXX XXXX Acct : XXXX Date : XX/XX/

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 2023-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: MS

Complaint narrative:
Mortgage company is withholding my insurance check

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XXXX  I purchased a home and entered into a Bank of America Mortgage with my then husband for a 30 year fixed loan. We divorced in XXXX  and I quitclaim the property title over to my ex spouse in return for cash, however he never removed my name from loan. 

Bank of America and my ex-spouse modified the mortgage without my consent in XXXX, extending the term, changing the interest rate and payment which negatively impacted my credit score. This in turn increased my costs to borrow money and being denied credit. 

First, Bank of America has fraudulently kept my name on a modified mortgage document I never signed. Secondly, the original 30 year fixed mortgage term has reached its Maturity Date, ending any contractual agreement between myself and the bank. 

After numerous phone calls to Bank of America, they have provided no relief.

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 2023-10-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: GA

Complaint narrative:
An item that I was not familiar with showed up on my credit report on XX/XX/2023 for $ XXXX from XXXX XXXX. I have never had a mobile account with XXXX so I immediately disputed the information and requested the contract information and details about the account. I had been notified that my identity information had been released as a result of a data breach with my employer so I used their services to also submit a fraud alert and claims regarding the account. To date, I have received no information from the creditor/collection agency, Sunrise Credit Services , regarding the 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 2023-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: LA

Complaint narrative:
On XX/XX/2023 I submitted for an IDR plan via studentaid.gov. On XX/XX/XXXX, my application was reviewed, processed, and approved with a monthly payment amount of {$27.00} under the new SAVE plan. 
Within the application portal the following message is posted : " Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions ''. By XX/XX/XXXX I realized I had received not correspondence about my SAVE plan or about updates about my application. 
On XX/XX/XXXX I received an email saying there was as new message on my account. On XX/XX/XXXX I set up a new account to link my old servicer website and the new servicer website ( which I was prompted to do so via the old website ). 
When logging into my account, I discovered that all of my loans had been consolidated with a payment of {$210.00} due on XX/XX/XXXX and no SAVE plan was notated on the account. 
I allowed 3 weeks to pay to allow for potential processing times and anticipated high call volume. On the 4th week of XX/XX/XXXX I made a phone call and waited on hold for 6 hours, only for my phone call to be answered and the subsequently dropped/hung up on right after. I then called the next day and requested a call back. 
I received a call back the next business day from an agent. 
The agent stated : There is not a current SAVE plan application on file and that I would have to submit a new one over the phone or via the website. ( Despite having application reference numbers and submission dates/tags she denied having seen an application for me present ). I was able to submit an application online with an estimated payment of ~ {$12.00} per month with the SAVE plan, however she informed me that the application would take 30 days or longer to process. With a payment due of {$210.00} on XX/XX/XXXX, she informed me to " pay a small amount and we will not send you to the collections agency ''. It is now XX/XX/XXXX and I have received my first delinquency letter despite paying {$30.00} on XX/XX/XXXX to avoid being sent to collections. My account is now past due with interest accrued, {$400.00} due on XX/XX/XXXX, and no correspondence about the progress of my application. When calling back last week, I was notified of the same thing the previous rep told me : the process takes 30 days or more and all I can do is wait.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The Police Report tells what happened! 
Resurgent took over the account!! 
So I'm responding to the 5 questions resurgent states to reinvestigate for fraud by different departments, and show different documents relating to the subject, unauthorized use and fraud and suspect charged!!!! 
I'm the victim here XXXX XXXX XXXX  by FCRA and CFPB LAWS!!! 
SHOULD HAVE CLOSED THE ACCOUNT AND THEN SENT ME A NEW CARD, WITH MY REFUND ( FDIC )!!! 
BUT INSTEAD, THEY SOLD MY INFORMATION TO LVNV, NOW, RESURGENT, WHEN THEY CHARGED OFF!! 
I DONT OWE XXXX  XXXX XXXX  ANY MONEY!!! 
IM ASKING XXXX  XXXX XXXX, LVNV, AND RESURGENT TO DELETE ANY AND ALL INFORMATION ABOUT ME FROM ALL 3 MAJOR CREDIT REPORTING AGENCIES ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
The company is repeatedly harassing my by calling me before 8 am despite my request for them to stop. 

Beginning on XX/XX/XXXX at XXXX XXXX the company began calling me about my account and waking me up very early in the morning. In the beginning, I ignored these calls. 

On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX  on XX/XX/XXXX, I was called at XXXX XXXX and XXXX XXXX On XX/XX/XXXX, I answered one of the calls at XXXX XXXX and was advised that it was Upstart trying to collect a debt. I advised them of the time and asked that they not call me at this hour again. 

On XX/XX/XXXX, I was called at XXXX XXXX On XX/XX/XXXX, I was called at XXXX XXXX Today, on XX/XX/XXXX, I was called at XXXX XXXX and answered. I again advised the company of the time and requested they do not call me at that hour. 

The company is calling from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief