vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I was approved by MOHELA for the SAVE repayment plan in XXXX of XXXX  effective XXXX XXXX months. I made two payments without issues. Suddenly and abruptly with NO explanation, in the first week of XXXX, MOHELA placed me into a plan that increased my payments from {$1000.00} to over {$1800.00} per month ( LEVEL repayment ). I messaged them, waited on hold, sent them the confirmation of the approval in XXXX and then even reapplied for the SAVE plan AGAIN. No responses. The only response I keep getting from the company is that payments are overdue and now it says I owe almost {$3000.00}. They also send back " correspondence processing delay '' notices, that ultimately say it may take them up to 90 days to answer. A company should not be able to charge interest, increase payments, ignore applications, reverse applications with no explanation, and then tell customers to wait up to 90 days to get a response. Interest accumulates, my credit score is being impacted and there is no way possible for me to make these payments. I struggled paying {$1000.00}, but I made it a priority and did it, so I was in no way in default. The company randomly changes terms and then refuses to help customers. It's so unethical and frustrating and I know I am not alone. I'm also 17 payments away from loan forgiveness under PSLF, so it feels like this is intentionally disrupting that and making it impossible to keep working toward this forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
Recently I was looking into my credit and what I saw caused me severe panic. When I saw the false and baseless claims that were being reported on my credit report it sent me into a tailspin of panic and XXXX and has been really affecting my life in a negative way ever since. It is clear that the time and effort was not taken to ensure that the information being reported on my credit was absolutely and 100 % accurate and I need this corrected at once.

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I was phished XX/XX/year> and gave out my credit card number. A few days later my bank notified me about a purchase w my credit card which I had not authorized. I notified my bank of this same day and requested a new credit card. I wrongly assumed bank would reverse charge. But in XXXX bank notified me my debt was in collection agency. I sent a letter disputing the charge. A few days ago bank sent letter saying they found no fraudulent activity. I called bank XX/XX/XXXX and asked to put in another claim. I have always paid my debts on time and up until now had good credit.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: WI

Complaint narrative:
In reference to an account of XXXXXXXX XXXX : XX/XX/XXXX - I sent a letter letting Experian know that this account is not being reported correctly, and to please update to show that it's never been paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian following up that this account is still showing incorrect information and that it needs to be updated to show never paid late. I received no response. 

XX/XX/XXXX - I sent a letter to Experian letting them know that this account is still showing incorrect information, and that it needs to be updated to show never paid late. I asked for the method of verifying this information - but again, never received a response. 

XX/XX/XXXX - I sent a letter to Experian informing them once again that this account is continuing to show incorrect information, and it needs to be updated to show never paid late. - Once again, no response. 

XX/XX/XXXX - I sent a letter to Experian explaining the numerous letters I have sent to them over the months since XX/XX/XXXX- and explained that they continue to report inaccurate information that is damaging my credit profile. I sent them factual information that shows the data furnisher that is reporting this account is reporting different information to different credit bureaus. There is NO WAY that this can be verified as accurate. I advised that if this was not resolved, I would be filing a complaint with the CFPB. 

I have never received any response to my letters. The only way I know what is going on is by looking online at my credit report/profile to see what they are updating. They continue to report inaccurate, damaging information and continue to put a statement that it has been verified on 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
So I had a legal document sent to the credit company expireran and to the debt collector requesting info that I requested from them explaining in detail all this money they are telling me I owe I have not received anything to date but expireran says the investigated and shared nothing with me only that they were not remove it how can you ignore my request for info that is simply false my lawyer broke it down in a very detailed letter onwhati was, I was legally in titled to and I got nothing not even a response to be honest something is not right about the way expireran is handling my credit I have had many problems with them ignoring police reports requesting me to go above and beyond whats legally required to prove my case and when I do they still ask for more info only to find out they use a computer system to make judgements and issue a final determination on the my dispute in which I have expressed that I am not at all comfortable with to the point I have had to seek legal help and still am getting shutdown and Ignored in my request for info that I should be given I would like to see there investigation so that me and my lawyer can go over it and dispute accurately and I get nothing as a matter of fact they changed the date that I opened the investigation they ignored all request for infos on this debt and I for supporting there supposed investigation Im sorry but this is a serious matter and there word unfortunately is not good enuff and I am asking for a complete review on this debt and a break down and for it to be explained on where the amount I am being charged came from dollar for dollar cent for cent along with the amount they were paid on my behalf from Covid 19 rental relief that they applied for after I left like it was agreed that I would move out and end lease due to the issues that Covid 19 were causeing the whole country infact expireran dosent even see the fact that I have two diff apts propertys saying I owe them at the same time same time period I have been a victim like so many of the landlords in XXXX XXXX that not only are charging people for rent that was not owed but the fact they they were paid by government funds even after I was no longer staying there but yet I order for them to apply for those moneys they had to lie and say I was liveing there which ok they were paid but they are still trying to get more money and when they took those relief funds they weer not suppose to go after tenants for back rent which they clearly are and expireran is allowing them to abuse there authority

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 2024-01-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I reported fraud on my Vanilla Gift Visa Debit Card # XXXX, Exp : XX/XX/XXXX, security # XXXX, telephone # XXXX. Your customer service representative took all my information and assigned Case ID # XXXX for the {$500.00} balance. They told me it would take from 45 to 90 days to complete their investigation On XX/XX/XXXX, I called again to complain that I still hadnt received the card and was told that it would arrive very soon, to give it a few more days. 



On XX/XX/XXXX, once again, I called this time using the number XXXX XXXX, and was told a new card was mailed on XX/XX/XXXX. I told them I never received it. They responded by saying that they would send another new {$500.00} gift card. 



On XX/XX/XXXX, I spoke with your Supervisor XXXX for one hour and ten minutes while he investigated this matter and would get back to me. 



He apologized for the inconvenience Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX e-mail : XXXX Telephone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
The other day I viewed my credit to find that there were a number of problematic and inaccurate information and inquiries. These inaccuracies are absolutely devastating and have sent me into an anxious spiral. I need my credit back in good standing in order to get business funding and keep my business abov ground and these errors are making that impossible. I need this corrected right away.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Can you update my address and name on my credit profile.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX  provided six promissory notes that provided the 'credit ' that funded account. XXXX  delivered proof of claim and notice revoking assignments and also tendered instrument for payment with conspicuous statement according too UCC 3-311 and creditor did not respond with where to send such communications, which violates above mentioned codes. Creditor closed accounts after communication and tender was delivered, closing all six accounts in retaliation ruining XXXX  credit score.. According to creditor 's prospectus, creditor is selling XXXX  securities on the secondary market with no benefit to XXXX, while closing six accounts, unfairly reporting negative information to credit reporting agencies. XXXX  had six accounts with creditor and which creditor is being unjustly enriched causing financial injury to 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have called and wrote letters to Experian to remove fraudulent information on my consumer file. 

XXXX XXXX XXXX XXXX XXXX PA XXXX I have asked and demanded proof that I have lived there. They have not furnished that data nor have responded to my disputes, both over the phone and in writing. 

This company is in direct violation on the FCRA as follows, but not limited to : 15 USC 6802 15 USC 1681

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 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I own a media company. On XX/XX/2022, I hosted a XXXX XXXX XXXX in XXXX XXXX XXXX that was sponsored by XXXX XXXX for {$11000.00}. As part of XXXX 's vendor intake process, I was required to fill out a form with my bank information ( See " XXXX XXXX '' in the attached pdf ). I accidentally provided the incorrect account number for my account at Chase Bank ( 2 digits being switched ). XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX sent wire payment instructions to Chase using the incorrect account number and the money was placed in the wrong person 's account. 

I provided the correct number and asked the client to issue a wire recall. XXXX  XXXX XXXX did request the recall however, Chase has refused to return the funds to XXXX  XXXX XXXX. Chase 's reply was that they are " waiting for Debit Authorization '' from the account holder in order to return the funds. The issue is that given the account number and beneficiary name did not match, the wire should have never been processed by Chase. Chase is simply trying to avoid liability for their own control/process failure. 

I've been attempting to obtain the funds for over 1 year now to no avail. Chase executive office has been avoiding my phone calls and inquiries. I have been given the run around for more than 1 year. 

Chase then contacted me stating that once the bank received a " Hold harmless letter '' from the client bank ( XXXX  ), the funds would be returned. After another month of chasing Chase for a response, the bank stated that the funds would not be returned because " there are no funds available. '' The solution I am seeking is for Chase to return the {$11000.00} back to the client bank ( XXXX  XXXX XXXX ) so that they can correctly wire the funds to my account. 

I have also attached a pdf that includes all of the evidence related to this case. I am not only prepared to get local NY media involved, I am prepared to notify my network of over XXXX social media followers and pursue legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-17 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: NY

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP! 

Date Opened - XX/XX/2021 Balance Owed- {$210.00}

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I received a letter dated XX/XX/XXXXXXXX  from XXXX XXXX XXXX XXXX regarding a complaint submitted to the XXXX XXXX XXXX XXXX against the credit because of a fraudulent inquiry that has been disputed with TransUnion on or about XX/XX/XXXX. 

I contacted TransUnion on or about XX/XX/XXXX disputing the fraudulent inquiry to get it removed and XXXX XXXX XXXX XXXX received a notification from TransUnion. XXXX XXXX XXXX XXXX conducted an internal investigation and sent a file transmission to TransUnion on XX/XX/XXXX to have the fraudulent inquiry deleted from my credit report. 

I contacted TransUnion on XX/XX/XXXX to inform them of this letter and to delete this from my credit report based this letter of allow me to upload this for their record to complete the process. The above paragraph is based on conversation with TransUnion 's representative of the process to have the fraudulent inquiry deleted was initiated per TransUnion to inform XXXX XXXX XXXX to send correspondence to them to delete the fraudulent inquiry. Now TransUnion id instructing me do something different to get the fraudulent inquiry deleted.

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 2024-01-17 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: FL

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 NumberXXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX 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 2024-01-17 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: FL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: CA

Complaint narrative:
So this debt collector is impossible to get a hold of and they are charging me every month as the debt increases this lease was handled all wrong me and the leasing coordinator agreed that I would move early and return apartment even after this they falsely claimed I was there and collected rental relief that the state was giving during COVID 19 in which they were in agreement upon taking any relief funds that they could not go back later and charge any tenant with eviction or seek unpaid rent in which many landlords are and hireing these collectors to try and collect a debt thats been handled making me a victim of there fraud and abusing the system and expolitong me and hundreds of others

Company response to consumer: Closed with non-monetary relief