vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-03 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: TN

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX 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 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XX/XX/2023 I paid off my account with Citi Card XXXX in the amount of {$220.00}. This was an electronic transfer from my XXXXXXXX XXXX XXXX. 
My XX/XX/XXXX  statement showed no payment, so I paid it again, electronically. And called to report it. My XX/XX/2023 statement showed ( 2 ) credits. I used one credit on XX/XX/2023 and closed the account. In XXXX Citi Card debited my card stating they never received my XX/XX/XXXX  payment. And debited the card. 
I spoke to the disputes department and sent a statement from my bank showing I paid it twice, this included bank accounts, tracking numbers, dates and amounts. This was sent certified mail XX/XX/2023 Track # XXXX XXXX  to XXXX XXXX XXXX XXXX XXXX, MO XXXX. The disputes department received the info but can not find the payment dispite the fact my bank did charge me for the transaction. 
To date Ciri Card has been unable to locate my payment dispite providing them with everything they have requested. 
Now, when I call, they are asking for everything I have already sent AGAIN! They acknowledge receiving my info but cant locate where my payment went?

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 2023-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I reviewed my two last statement and they have been issued with out list the list of detail purchase. they just have a general amount charge in the statements. 

I requested the credit card to send me a detail information to verified my purchases because look for me as some one made fraudulent purchases online. Also I made a police report. I continue making my normal monthly payments to the credit card however I did not understand why the balance is not showing the payment I made in the last four ( 4 ) ) months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account XXXX XXXX  Account open has different dates Acccount last open has different dates

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 2023-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In XX/XX/2023 we requested and were granted a forbearance. In XXXX of XXXX  we were advised that we had been granted a HUD subsidy to cover the back payments and late fees. That amount was {$14000.00} in a subordinate note. 

We mailed the documents, notarized, signed and witnessed by overnight XXXX in the envelope provided by the company. 

We did not hear back from them, and called a few days later. The representative advised that we had not included in the documentation our " document correction agreement '' and needed to re-send the entire packet back, have it re-notarized and re-witnessed. 

We did such on XX/XX/2023. 

We did not receive any confirmation of the new terms so called them in early XXXX to check the situation. 

We were at that time advised that the SECOND packet ( each one being over 22 pages in length ), was also insufficient, as one of the notarized pages did not contain the year on the date portion. We were further advised that at this time, our fees had gone up to over {$19000.00}. 

Each time we sent in our signed packets for modification, I kept copies ( both of the " borrowers copy '' version they provided, as well as a photocopy of the documents we sent them ). 

I have reviewed these in detail, and have realized that the first packet DID contain the Document Correction Agreement, and the SECOND packet did contain the year on the date portion by our Notary Public. 

We just received a new bill from them, stating that the amount we now owe is {$23000.00} or close therein. 

We have been trying to contact them, however, their phones and website are saying that there has been a " cyber attack '', and we can not reach them by phone, login online, or reach a representative via their chat service. 

It's very disturbing that they keep saying that they haven't received single portions of our modification agreement, and require us to resubmit the entire packet, and that the amount owed continues to go up, even though our records reflect that we DID submit the full packet, correctly notarized, signed, dated, and witnessed. 

I feel that we should be in the position of owing the original {$14000.00} which we were not disputing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite the multiple previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with the Credit Reporting Act, 15U.S. Code 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX 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 2023-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank committed security fraud, by accepting XXXX : XXXXXXXX XXXX XXXX, and making multiple trust acts with corporations that PNC created agencies with through advertisement, which caused PNC breach of fiduciary duty, in malice. SEC Rule 10 b-5 PNC Bank malfeasance in public office during XXXX : XXXX consumer transaction proved willful non-compliance. 15 U.S. code 1681 b, 3-603, UCC-3 104

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
I have a secured credit card. I made a payment to bring my credit back up on the card, this the payment I made would have been sent back to me and it wasnt even Discovers money. On XX/XX/XXXX, a day after I made this payment, I got an email stating that they werent able to take the funds so I spoke to support. They told me to wait for a week or so as it would transfer over soon. A few days later, on XX/XX/XXXX they closed my account. I wasnt notified of this by email, text or even in the Discover app. The Discover app was functioning as if the account was still there so I continued trying to fix it until XX/XX/XXXX when I just contacted support again. Thats when I found out that my account had been closed. I asked why they never notified me and they said that I should receive a letter about it within the next few weeks. I asked if I could take my money out of the account since it was my money to begin with and Discover just said that they dont even manage their own secured cards, another company does and they arent able to do that. Working with this company has been so insanely frustrating, at this point my credit score can take the hit from closing down an account I just dont want them to steal my money too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
RE : Response to CFPB Complaint ( Complaint # XXXX ) I am writing in response to your reply to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ), referenced above. In your correspondence, you stated that It is TSIs intent not to have any communication with me in reference to the above account. Moreover, you provided contact information for XXXX XXXX XXXX for any further questions regarding my account. I must bring to your attention that despite your intent, communication regarding this alleged debt has not ceased. 

Furthermore, I have made several attempts to reach XXXX XXXX at the number provided ( XXXX ) XXXX, leaving messages with the intent of discussing the matter. To this date, I have not received a response. 

It appears that Transworld Systems Inc. is in clear violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692g ( b ). According to this law, TSI has failed to : 1. Provide proper verification of the alleged debt. 
2. Provide judgment of the alleged debt.

3. Cease collection of the debt until TSI obtained verification/judgment and mailed such findings. 

Please be aware, the statement that was previously provided does not pertain to me, as it does not bear my name. This is a critical error on your part. 

In addition, I filed a dispute directly with XXXX regarding this alleged debt. On XX/XX/2023, XXXX responded to my dispute stating, The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. The account in question ( # XXXX ) was verified as belonging to me, with certain fields modified. This verification is perplexing, given that TSI has not complied with the necessary requirements to substantiate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: PA

Complaint narrative:
I have no supplied proof under the doctrine of the estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I pressume that no proof of the alleged debt, nor therefore, any such debt, in the fact therefore exist XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Nevada XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had XXXX stolen from my bank account, it got stolen within XXXX XXXX hours all from XXXX and XXXX XXXX charges, clearly fraud. Upon calling my bank they told me to submit a claim. The claim got denied weeks later and they told me to submit a dispute. They took 90 days to respond to me just to tell me that they dont have anything to do with it and to call XXXX instead. Upon calling XXXX i got told the charges were too made a long time ago so they cant refund and they couldnt do anything about it and to contact my bank. They both gave me the run around I am a injuried XXXX XXXX and living check to check and this set me behind in paying my bills and over charges and my entire life fell behind because of this. It is unfair a hard working veteran gets treated like this. I bank with XXXX 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 2023-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America left me stranded with no money whatsoever as they froze all my accounts on XX/XX/XXXX which included savings account, personal checking account, business checking account, debit card, credit card with no legal reason causing me emotional traumatic anguish in addition to telling me that they did not plan to ever release my funds. 
Although in complaining to Consumer Finance Bank of America finally released my funds weeks later, I firmly believe that Bank of American must compensate me for the mental anguish they put me through by leaving me with no money whatever in addition to destroying my business reputation as the business checks I issued prior to my accounts being frozen were not able to be cashed by the recipients and, consequently, I was threatened by the recipients to call the police because they felt I had given them back checks. 

I firmly believe that Bank of America destroyed my life by leaving me with no money whatsoever to spend for weeks and, therefore, they should be fined in addition to having them compensate for my traumatic stress.

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 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Account was disputed and kept coming back verified. The account is. Reporting inaccurate information according to the FCRA 15 us 1681 e b all information reporting to someone's credit report must be accurate or shall be removed immediately Account open date different : how can a account with the same account number be open on different dates Date last active has two different dates : how can someone be be last active on 2 different dates

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 2023-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: GA

Complaint narrative:
Hello. I am a long-time XXXX XXXX XXXX  who is dealing with many mistakes from MOHELA that are preventing me from getting PSLF loan forgiveness. I have sent in all necessary paperwork, consolidated all loans, and recertified my qualifying employment each year for years. I have worked at this qualifying school since XXXX, and I have made more than the required 120 payments, so my loans should be forgiven. MOHELA has made mistakes and has delayed correcting them since my loans were transferred to them from XXXX. MOHELA and/or Federal Student Aid needs to remedy this mistake. My loans were marked as forgiven and closed, and then for no reason, they were reset to reflect only 10 qualifying payments. I should have been forgiven in XXXX. I ask that you please help remedy this situation as soon as possible. I want to continue to serve as a teacher, and I need this to be resolved for my own financial and personal well-being. Please let me know if there is anything else I can do on my end. Please help me remedy this situation so that I can move on with my life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: 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. 

Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX XXXX, XXXX concerning their reporting of unverified, unauthorized, and inaccurate information on my credit report. While I appreciate XXXX 's cooperation in updating incorrect information such as names and addresses, I believe that XXXX is still in violation of the Fair Credit Reporting Act ( FCRA ) by reporting unverified and unauthorized information. 

My complaints against XXXX are as follows : Reporting Unverified Information : XXXX has reported information on my credit report that has not been verified by me, including accounts from XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have not validated or given permission for XXXX to include this information on my report. The unauthorized inclusion of such information goes against the FCRA, which stipulates that consumer reporting agencies can only report information with the consent of the consumer. 

Violation of My Right to Control My Credit Report : My rights as a consumer include having control over the information on my credit report. By including unauthorized information, XXXX is infringing on my ability to maintain accurate and truthful credit information. 

I kindly request that XXXX addresses these issues by ensuring that they only report verified and authorized information in accordance with the law. I also request that XXXX removes the unauthorized and unverified information from my credit report immediately and remains vigilant in complying with the FCRA and related consumer protection laws. 

In support of my complaint, I cite the relevant legal provisions and a court case : FCRA Section 1681b ( f ) outlines the responsibilities of consumer reporting agencies regarding the use and reporting of consumer information. 

The case of XXXX v. Equifax Information Services LLC, 2017 WL 2832941 ( S.D. Fla. 2017 ), emphasizes the importance of accurate credit reporting and the responsibility of credit reporting agencies to ensure that information is both accurate and verifiable.

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