vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-09 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: MO

Complaint narrative:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I received a notification from XXXX XXXX that as of XX/XX/XXXX that I have a debt collection now attached to my credit. Which I have never had in my life. I logged into XXXX XXXX and clicked on the details. It shows that an account was opened on XX/XX/XXXX of XXXX with an opening balance of {$520.00} with a company called XXXX XXXX XXXX and that they sent it to collections for non payment to a collection agency called Transworld Systems. I have never opened an account or had any business dealings with XXXX XXXX XXXX or Transworld Systems. XXXX XXXX XXXX apparently provides " electricity '' to residents of Texas. I have no affiliation with anyone or anything in Texas. And I have never even been to Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
At this point I'm trying to find other persons to help file a law suite . For misleading consumers. When u file a dispute it says that they will issue out a replacement card with the reminding balance. But u file a dispute they tell u u need to wait 90 days for a new card thays what a Rep ( XXXX ). told me. How is this possible make no sense at all. They hold your money and give it to u when they want. Then ask for all this information like receipts who keeps them anymore people just have a pile of receipts laying around the house for years and years. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: OR

Complaint narrative:
XXXX and Mohela continue to send me in circles and repeatedly send my complaints back and forth to each other without actually resolving the issue. 
As of XX/XX/XXXX, I received confirmation that all of my employment had been approved for PSLF from XXXX. I was told to " just be patient and wait '' for the payment count to be updated. XX/XX/XXXX, the payment count went up to XXXX, however, was still missing payments from XXXX XXXX. XX/XX/XXXX contacted XXXX and was told the complaint was escalated. I received no communication, so I followed up on XX/XX/XXXX with no resolution. XX/XX/XXXX called XXXX Ombudsman and was told complaint was sent to Mohela. XX/XX/XXXX phone call with Mohela told me that my payment updates would be made in XXXX business days. XX/XX/XXXX Mohela informed me that I was not in repayment until XX/XX/XXXX ( which is untrue ). They advised I contact XXXX. XX/XX/XXXX phone call with XXXX  Ombudsman, I was told that they " can see I was in repayment starting in XXXX '' and they did not know why Mohela told me otherwise. My complaint with them was still under review. XX/XX/XXXX I submitted documentation from XXXX ( previous loan servicer ) showing proof of payment on loans from XXXX. This was submitted to both Mohela and XXXX. XXXXphone call with Mohela, where they stated they were in the process of updating my payment count. Was redirected back to XXXX. XXXX call with XXXX  and told to resubmit another request for reconsideration ( I did so ). XXXXsubmitted another complaint, but XX/XX/XXXX it was closed without any communication. Was advised to open a new complaint -- did so on XX/XX/XXXX. On XX/XX/XXXX received email confirming receipt of complaint, stating that I would receive an update in XXXX calendar days. Reached out on XX/XX/XXXX because I had not received update. I was told that it was still open, but they were unable to provide updates or a timeframe. Sent another request for update on XX/XX/XXXX. XX/XX/XXXX received email from Dept. Consumer & Business Services ( and I had reached out to att gen for help with case ). They informed me that Mohela stated I was not in repayment until XX/XX/XXXX ( despite having documentation otherwise ), and they have referred the case back ( yet again ) to XXXX XXXX XXXX

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 2023-09-08 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: NC

Complaint narrative:
Equifax continues to report false information on my credit report although a Police affidavit and dispute form was received. EQUIFAX responds by saying that the account is verified and will remain on file. I requested information that was used to verify the account but nothing was provided. I reached out to the creditor of the account and they provided their response. According to the creditor, because my social, XXXX, and name was entered correctly, the the account was correct and they will not accept my dispute as fraud regardless of the police affidavit stating that I was a victim of ID Theft. They provided the same information to me that they provided Equifax and CFPB, and none of it can show proof of ownership or purchases. The only thing that can be " verified '' is my person information and the fact that the account was used for a week and charged off a year later by providing billing statements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XXXX  : Fraudulent text alert. Customer immediately called Bank of America to stop any further fraudulent transactions. BOA representative said all transactions were stopped ( they were not ), submitted a claim for the amount rep found approximately {$250.00}. Rep assured costumer problem was taken care of. 

XX/XX/ : More fraudulent charges. Customer called BOA and spoke with 3 reps, who all saw different fraud transaction amounts but could not add up all transactions without the help of the customer 's detailed spreadsheet of transactions, names, and amounts. These transactions were added to the open claim after several hours of going through each transaction carefully. One claim totaled {$4500.00} at this point, another claim totaled {$660.00}. BOA assured customer the problem was now resolved. 

XX/XX/23 : Costumer checking account was credited. 

XX/XX/23 : Charges that were resolved are now being debited again from customer 's checking account. Customer spoke with approximately 8 BOA reps on the phone, receiving no helpful information. Customer went in person to local BOA banker to resolve issues. No resolution occurred, only more phone calls with no answers. Banker unable to place customer with a person in direct power and decision-making. 
Customer checking account now fully drained and overdrafted.

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 monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I have request documents from the bureaus and I have not been responded the way I should be!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( XXXX ). Therefore, both accounts for the XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.

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 2023-09-08 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 XXXX XXXX have noticed some accounts on my credit report I have listed supporting documentation below. These are the accounts that need immediate removal Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
My account was closed was my fault. I was told back on XX/XX/XXXX and said it will take 60 days for my money to be sent. It is now XX/XX/XXXX and I still have received my money. Just got off the phone with them and it's still in XXXX! USAA is a horrible company and should go out of business for XXXX lawfully holding my hard earned money! I had a checking and savings account with them and they haven't sent any payment at all.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 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: CA

Complaint narrative:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the XXXX, since XX/XX/2022 to present. I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from the credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My tax returns went to another account at Chase Bank, they have recognized and acknowledge this but has done nothing to return my funds as they said they will. there was a partial investigation and it revealed that the account names didn't match but for some reason instead of returning the checks to the IRS they let the funds pass to this unknown person. I don't know who this person is but Chase bank does. For the last couple of years they have been giving me the run around by getting Police reports, letters and even contacting there escalation department and going thru circles. From my understanding this person may still be receiving funds that were meant for me. I know Bank rules if account name doesn't match then those funds are suppose to be returned to sender. Chase bank failed in its fiduciary duty and knowingly allowed someone else to receive money that they knew was not theres and Chase is protecting this person which I can not understand

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously filed a complaint against XXXX XXXX and they said they would investigate the issue. I had an account with Capital One that was closed on XXXX. After falling behind, I was eventually able to pay the account off in full and had the account closed. 

Portfolio Recovery stated they purchased the account from Capital one in XXXX and Capital One Confirmed to me directly and never responded through the CFPB Complaint that they had sold the account to Portfolio Recovery. I submitted proof from my credit Report to XXXX XXXX, showing the account was paid in full and closed on my request. 

XXXX responded that they would investigate the issue, but didn't despite claiming they did. I filed a dispute with the XXXX XXXX XXXX about the original account in question against Capital One and XXXX confirmed the account was paid and closed. So XXXX never had any intentions to stop illegally trying to collect a debt that never existed. 

They then, Closed the collection account contained in XXXX, but the closed account still negatively reports a debt that never existed and I'm unable to dispute it, because it's not in collection, but still negatively harms my credit and left the collection accounts in the XXXX reporting agencies open. 

This company is hell-bent on making me pay for a non-existent debt or make me financially suffer for not paying something I don't owe. They are literally extorting me. 

I ask that CFPB intervene at this point. Capital One has not cooperated with CFPB and XXXX has no interest in obeying the law, but rather giving lip service. 

The lies and deceit by this company should not be allowed and they should be heavily fined and or sued by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have an account of XXXX XXXX  and my friend has an account of BOA. I sent her XXXX dollars through Zelle transfer on XX/XX/XXXX. Money was immediately gone in my XXXX XXXX  account but was never delivered to my friend XXXX  account. We tried to ask XXXX but they said they could do nothing. We tried to ask XXXX XXXX  for dispute the transfer, but they have no response yet. We tried to contact Zelle, but can not. Please help me with the issue. I would like to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I've tried contacting XXXX, XXXX, as well as XXXX XXXX concerning their fraudulent reporting they've been placing on my credit report. I've called and disputed this since XX/XX/2023 to no available helps, no agent has been able to even confirm the account. According to their reporting to Experian, they are making claims to have confirmed the accuracy while indeed it is fraud. I don't nor have I ever held an account or authorized use with XXXXXXXX XXXX, XXXX, or XXXX or authorized the use of my information as a co-signer/authorized user. It's been incredibly frustrating getting this removed from my credit report and to keep my score from dropping. The card number provided by XXXX via mailed letter, has not been able to be located nor my information as a whole. The company has sent a letter but the contact number listed, they have said there is no account with my information. Incredibly confusing, enraging, and frustrating to say the least. I do not live in the state in which the account was opened. I did not authorize my information to be used. The company was not able to locate the account number sent via mail and multiple employees as well as managers on a recorded line are saying the account doesn't exist yet it is on my credit report and causing my score to drop in large numbers.

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 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING LLC. BE ADVISED, this is not a REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. 
This is NOT a request for " verification " or proof of my MAILING ADDRESS, but A request for VALIDATION made PURSUANT to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. 
At this time, I will also inform you that if your offices continue to report invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) THIS ACTION MAY CONSTITUTE FRAUD UNDER BOTH FEDERAL AND STATE LAWS. DUE TO THIS FACT, IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY YOUR COMPANY OR THE COMPANY YOU REPRESENT, I WILL NOT HESITATE IN BRINGING LEGAL ACTIONS AGAINST YOU AND YOUR CLIENT FOR THE FOLLOWING : VIOLATION OF THE FAIR CREDIT REPORTING ACT, VIOLATION OF THE FAIR DEBT COLLECTION PRACTICES ACT, AND DEFAMATION OF CHARACTER ( PER SE ). 
ALSO, I REQUEST ANY DOCUMENTS WITH MY SIGNATURE STATING I OWE ANY DEBT ( WET SIGNATURE ). IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION, ALL REFERENCES TO THIS ACCOUNT MUST BE DELETED IMMEDIATELY!

Company response to consumer: Closed with explanation