vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by XXXX and Experian and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 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 information is inaccurate. 

As a result of XXXX and Experian violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.

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 2023-04-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: PA

Complaint narrative:
Multiple calls daily its interrupting my work day. They also already closed my account with them according to my credit report. Company is Discover card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I applied for Public Student Loan Forgiveness under the Temporary Expanded Public Service Loan Forgiveness ( TEPSLF ) opportunity on XX/XX/XXXX. Through the TEPSLF I have over ten years of qualifying payments as my documentation clearly indicates. 

In XXXX of XXXX I received a regular mail notification that Mohela would be assuming the administration of student loans and the PSLF and TEPSLF programs. I was informed that they were processing documents and that I should receive an update within 60-90 days. When I did not receive an update in that timeframe, I called Mohela for an update. Below is the log of my calls to Mohela, their responses, and any messages I received from Mohela. 

XX/XX/XXXX - Initial call to Mohela. Spoke with CSR who could not find information about the request. Transferred to manager. Remained on hold for over 45 minutes. Hung up. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR, who confirmed that my request had been received but not processed. CSR requested re-processing. CSR told me to follow up in XXXX  months if I did not receive notification from Mohela. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela. Spoke with CSR who told me it had yet to be processed, but the information was in the system. She told me to check the system if nothing came through in the next 30 days. 

XX/XX/XXXX - Received a message from Mohela with calculations showing that current employment was still not processed. 

XX/XX/XXXX - Follow-up call to Mohela Spoke with CSR and with a supervisor. Was told by supervisor that XXXX information was in the system, approved, but not processed. Was told it was tagged as a priority and it would be 5-10 days to process. I asked to speak to a manager and was told that the higher-ups don't take calls. Explained I would be filing a complaint with the CFPB and my congressperson. 

This pattern of activity indicates incompetence, negligence, intentional malfeasance, or a combination of all three on the part of Mohela. I am an individual with the time and the understanding of bureaucratic and capitalistic systems to pursue this issue. I can imagine that there are hundreds or thousands of other individuals who will not have the time or ability to pursue this issue in the same way. I recommend that an investigation be launched to determine how many individuals who clearly qualify for loan forgiveness have not received it to date due to Mohela 's incompetence, negligence, or intentional malfeasance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. MACYS/CBNA reporting a charge off account for amount {$17000.00}. XXXX XXXX XXXX is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

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 2023-04-21 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Hi I was a victim of identity theft.I have negative accounts reporting on my credit report that i have no knowledge too. I have noticed multiple addresses and names reporting on my credit report that are incorrect. I have reached out regarding these matters to the creditors as well as the 3 bureaus asking them to investigate and remove inaccurate addresses and names. However, they have not fully looked into that matters. I have sent letters to XXXX Cards which is reporting a charged off account of in the amount of {$15000.00}. XXXX reporting a charge off account for amount {$17000.00}. LVNV Funding LLC is also reporting a collection in the amount of {$10000.00} I have requested investigation and a response back from the 3 bureaus as well as the creditors. But haven't gotten a Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC
State: GA

Complaint narrative:
My credit report is showing an account with EQUIANT FINANCIAL SVCS which was opened on XX/XX/XXXX and last reported on XX/XX/XXXX with a balance of {$2900.00}. I have repeatedly disputed this with the company, but they refuse to comply. I have never heard of this company. I have never had an account or an agreement with this company. I do not owe this debt. 
This has seriously hurt my ability to obtain new credit, vehicle and/or a mortgage loan. It has been a detriment to my financial credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have submitted Identity theft reports to experian and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX and XXXX have violated my rights by the way of reporting fraudulent accounts. The list of accounts below are reported by TransUnion and XXXX and violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. which protects my right to privacy. XXXX XXXX XXXX XXXX ( # XXXX ) and XXXX XXXX XXXX ( # XXXX ) are the accounts reported by the above mentioned credit reporting agencies.. 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 information is inaccurate. 

As a result of TransUnion and XXXX violating my rights by reporting the aforementioned accounts and violating my rights as a consumer, I demand these accounts be removed from my credit file immediately.

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 2023-04-22 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: TX

Complaint narrative:
I had reached Equifax bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX  has used my personal information to open this car loan account i have hired a law firm XXXX law firm, i want this account removed, experian has violated my rights, i an now suing experian they will be sent a denand letter, yall have ignordd my request and j am fixing to sue XXXX XXXX, my information, im tired if filing a complaints with experian and being ignored, im wrtimg this ond last attempt then im going to fully invest of XXXX this credit reporting agency and XXXX XXXX, either remone this account or you will be sent a demand letter im already in process of that, remove this account, if im ignored do not send me emails contradicting the information i sent, please be advised this is information on my report is fraud and im filing this ftc identity theft report that i am a victim of identity theft, now remove this account or you will be XXXX  to do it and believe me I provided all the information i provided experian but fail to delete thr 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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2023 a third party deposited a check in the amount of {$14000.00} into my US Bank checking account. He was told by his bank that there would be a 10 day hold on his check. He felt bad that I would have to wait XXXX for the funds to be good so he stopped payment on his check and immediately sent the funds thru XXXX into my account. I then tried to withdraw funds from my account and I was told my account was frozen. At that point my checking account balance was {$15000.00}. They said my account was being investigated. For what I do not know. They did not tell me. I personally did nothing wrong and the bank was not out any money. I called the fraud department several times and they said the only person to give me an update was the branch manager at my bank. The branch manager says she can not give me an update and for me to call the fraud department. I've been getting the run around for three months now. I do not know why my account is even being investigated and I do not know why does it takes that long to get my funds. I am very frustrated at this point. Please help me.

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 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I deposited a check for my sister XXXX XXXX because she do not have a checking account. We have never had a problem before chase bank. We signed the check and made the mobile deposit on the app. Everything was fine! XXXX even made the funds available to us, so if we was SCAMMING we could have withdrew the money out the account. It was a legitimate check for a settlement she was a part of. But what chase did was cash the check and then freeze the account, instead of just sending the check back if they do not accept second endorsed checks.They should have never cashed the check. Now chase just holding the money in their bank gaining interest on money they should not be. They closed my account I been using putting money into and making transfers from. It is fine they closed the account, but why would they cash a check then hold on to the money? It is no excuse for it, because they could have just simply returned the check and we could have used my credit union or XXXX XXXX bank accounts I have. IT is no telling how many people chase have done this illegal transaction too. Because why would you cash a check, then freeze the funds instead of just return customers checks? They saying come into the bank, but why would we have to do all that over a legitimate check! I think CHASE does this to make interest off our money! We did nothing wrong here and I have proof the funds was available and we could have withdrew the money before Chase closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Credit karma took money from my XXXX XXXX with my card locked XXXX dollars that was for my hotel room the following week causing me to have to pay by the day until my next paycheck which I get paid biweekly so this has been ridiculous because they keep telling my gf that they are sending me my money back to my card but I have yet to see anything. After talking with several of the reps on the phone I was rudely brushed off and lied to by several of them. How is it that they can pull money on a two month old dispute without leaving any transaction history with my card locked... they also took XXXX dollars from my gf and tried to say her money bounced back to her XXXX XXXX. It did not. I am furious that a bank so widely known is being operated by thieves. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
on XX/XX/22, my online XXXX account was hacked. XXXX transactions were made, for total amount of XXXX which I have not made any of these transactions. 
I called XXXX to close the account and I called PayPal ( synchrony bank ) and they opened XXXX claims for unauthorized transactions. 
later XXXX claims were closed in my favor because XXXX responded that I am not responsible for those XXXX transactions and the other XXXX claims were against my favor. 
I called synchrony bank and reopened the XXXX claims again because I am not responsible for any of those purchases. synchrony bank didn't accept the XXXX claims and closed them against my favor! and I called again and reopened them again. and back and forth till today they keep closing the claim against my favor and I am the victim of fraud transactions. XXXX account was hacked. 
please, I need your help to investigate on my case.

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 2023-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I received a check from my job and told them that someone deposited it and then they called me and told me they closed my account for fraudulent reasons when I did nothing wrong and I just got money because they told me I won a prize. The agent was super rude to me and called me a liar and hung up on me.

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 2023-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with signing the paperwork
Company: SLM CORPORATION
State: NY

Complaint narrative:
i have never sign a contract with sallie mae i want to see their contract with my name on it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the fair credit reporting act, Capital One, account number XXXX has violated my rights. 

15 USC 1681 Section 602 Says that I have the right to privacy.

15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NJ

Complaint narrative:
On XX/XX/2023 I mailed a certified return receipt letter Experian requesting an investigation into the matter of multiple inaccuracies. Payment statutes, payment history, past due balance, current balance, date open, date last active, date of first delinquencies, employment, telephone number and address information. I requested Experian to fix this and be reflected in the proper picture of my creditworthiness. I have yet to receive a response and a new credit report with credit score.

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 2023-04-22 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: EGL US, LLC
State: TX

Complaint narrative:
ON XX/XX/XXXX SPOKE WITH A REP FROM BMG MONEY ABOUT MY LATE PAYMENTS FORGIVENESS DUE TO COVID AND THE REP ADVISED ME THAT THESE LATE PAYMENTS WOULD BE DELETED AS OF XX/XX/XXXX THE COMPANY IS NOW SHOWING 5 LATE PAYMENTS XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AND XX/XX/XXXX WHICH IN XXXX THIS PAYMENT WAS NEVER LATE

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation