vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-25 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: MOHELA
State: PA

Complaint narrative:
Firstly, there are inaccuracies on my credit reports from the different credit agencies regarding my student loan that falls under 15usc 1681. 
The student loan Mohela/Dofed on XXXX states it was open on XX/XX/XXXX. On XXXX and XXXX the loan was open on XX/XX/XXXX. XXXX states my balance is {$18000.00} however XXXX and XXXX state my balance is {$18000.00}. 

Secondly, when I filled out the student loan application I signed a privacy act form that said the school will not provide any transaction history to any third party companies which apparently they ignored. So pursuant to the family educational rights and privacy act of 1974 the school violated the act in the form.

15 usc 6802-6805 states Im able to opt out of financial institutions in giving my non public personal information to third party institutions such as XXXX, XXXX and XXXX without my written consent or without giving me ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
I never received a non disclosure option or an opportunity to opt out of sharing my information with third party agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Synovus Bank
State: IL

Complaint narrative:
This is my refilling complaint to 1STPROGRESSXXXX for making no move to address furthermore, eliminate the deceitful records that is as yet thought about my credit report and proceed to harm my standing. I conveyed correspondence letters and protests to them a few times, yet until this time no further move has been made. I have appended my FTC report with report number XXXX. I was expecting that they would report exact data on my record yet it appears they are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: WY

Complaint narrative:
I have requested in writing multiple times that Mohela direct my payments to the Unsubsidized portion of my loan. I even wrote the request ON THE CHECK they cashed. 

Mohela ignores my written requests. Also, nobody answers their phones. 

Also, Mohela cashed my XXXX payment but still says I " missed a payment. '' I mailed them a check and they took over XXXX weeks to process the check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase checking account was closed by the bank and they won't tell me the reason for it. And there XXXX still around XXXX $ In my account. And chase is not returning those money back to me, and they just keep saying the money is under review. But its been 4 months and they only send me a check with the amount of XXXX . I had almost XXXX dollar they only return me XXXX $!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: FL

Complaint narrative:
There is no deb!! Attorney letter dated XX/XX/XXXX from attorney on behalf of XXXX XXXX claims I owe {$45.00} demands immediate payment. This is supposed to be from XXXX. I do not owe, however do take these threats very seriously. Letter instructed me to go to XXXX to pay. Online payment.. by citation and tag # no such ticket found. Speak with XXXX XXXX. They can not locate either. The clerk said swaped with similar calls but has no answers and directs me to lawyer. Lawyer says no details, no record, contact XXXX. I advised already have and there is no such ticket owed. She says they swamped with calls as well. I advised her this is my verbal demand for documentation and dispute claim. She said call XXXX. I call XXXX & ask why they doing this to people? She said they don't know but call the collection agency. The number she provided was disconnected. A XXXX search found the number listed under the lawyer as media number. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: Frontline Asset Strategies, LLC
State: MD

Complaint narrative:
I, XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I request that you provide me verification of this alleged debt. Verification consists of a formal declaration in which you swear the truths of the statements of the facts of the matter, have first-hand knowledge and must be notarized. 

Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which included reporting to my consumer report with XXXX, XXXX, AND XXXX. 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
We received our bill today with notice of new monthly fee of {$1.00} to be charged to our account EACH MONTH we are sent a paper billing statement for our Lowes charge card which is issued thru Synchrony. 

As seniors who prefer to send checks in the mail, we will not pay this fee. We continuously read articles about all the financial fraud from electronic payments. Even today there is an article about Venmo, XXXX and XXXX XXXX are leaving consumers vulnerable to fraud. 

We use our Lowe 's card fairly regularly but feel Synchrony is just trying to make more money off of the consumer. If the fee remains, we will no long use our XXXX 's charge card.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XX/XX/2023, I opened an Amex XXXX card based on a promotion offering XXXX points for spending {$8000.00} within six months. I confirmed the promotion 's application with an Amex chat representative named XXXX in XXXX, and she assured me it was being applied. Despite fulfilling the spending requirement, I have not received the promised XXXX Amex points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
High level detail 1. I made a {$1000.00} purchase at XXXX XXXX ( camera ) and they sent a {$35.00} product ( microwave trim kit ). 
2. I reached out immediately and they were supposed to send the correct product, but they didn't.

3. They refused to look into it, so I made a dispute with Chase 4. They didn't look at the evidence or do the diligence to get the money refunded even though I reached out in the appropriate timeframe ( twice ) 5. Chase had 2 chances to resolve and let the time run out and then said they wouldn't look into it I simply want a refund for a purchase I made on my chase card that I never received Evidence provided shows XXXX tracking code for the purchase and that the box delivered could not fit a camera. Lots of other details that show what happened that I'm happy to walk through

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I rented a unit at XXXX XXXX. While installing cabinets in the unit above me. They put a screw into a pipe that leaked down into my unit ruining the carpet. They never replaced the carpet When moving out, they tried to charge me for the carpet, and I refuse to pay. 
I emailed you all the evidence and action was taken removing the bill submitted by XXXX XXXX XXXX Now the exact same bill is up again under a different name XXXX XXXX  After all my work and spending XXXX dollars to make copies and email everything to you what good does it do if these people resubmit under a different name

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 2024-01-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Carter-Young, Inc.
State: MI

Complaint narrative:
I moved out of XXXX on XXXX on XX/XX/XXXX. They are trying to charge me for " damage repairs '' for this such as the paint on the light switches, scuffs on the wall that were already there when we moved in on XX/XX/XXXX, and other normal wear in the bathtub. I asked for an itemized receipt on XX/XX/XXXX for the XXXX {$37.00} charges for " heavy cleaning '' despite my sister and I having deep cleaned our room we were renting as well as the common space since our roommates did not. They did not reply to my request. We were also charged another cleaning fee because our roommates left stuff on their side of the unit, despite us telling the complex it wasn't ours. We were charged {$78.00} for " wall and ceiling paint '', {$50.00} for a cabinet repair when the cabinet was in tact once we moved out, and another charge of {$39.00} '' for " paint '', with no specification. They refused to provide us with the itemized receipt with descriptions for these alleged repairs that were just due to normal wear and tear. When I called, I was told that it was due to chipping on the light switch panel and scuff marks on the wall. The " cleaning '' we were being charged for was for a SYRUP BOTTLE and a box of XXXX XXXX that once again belonged to our ROOMMATES that were left on their side of the unit.There is absolutely no reason why I am being charged anything because my room I rented with my sister was left clean with no intentional or abnormal damage done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am seeking resolution for several unauthorized transactions on my credit card, which I are fraudulent. The transactions in question are as follows : XX/XX/XXXX : XXXX XXXX - {$430.00} XX/XX/XXXX : XXXX XXXX - {$390.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX XXXX {$320.00} XX/XX/XXXX : XXXX XXXX - {$460.00} XX/XX/XXXX : XXXX - {$320.00} Upon receiving an SMS/TXT alert from Wells Fargo regarding unusual activity, I immediately responded confirming the fraudulent nature of these transactions and requested immediate cancellation of my card and issuance of a new one. While the card re-issuance was provided, my initial claim was denied with the rationale that the card was in my possession, implying the transactions were made by me. This is incorrect, as I did not authorize or conduct these transactions. 

I escalated the issue, and was assured of a response within XXXX hours, which did not occur. Upon follow-up, I was informed of an additional XXXX business day waiting period for the resolution of my escalation and the re-opening of my claim. This delay and lack of communication have caused significant concern and inconvenience and cost. 

I urge a thorough investigation into these transactions and request a timely and fair resolution to this matter.

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 2024-01-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
On XX/XX/XXXX I submitted a CFPB complaint to your agency in regards to a item listed on my consumer report. In the public record section of my consumer report. On XX/XX/XXXX your agency stated in your response that this item was verified as reported. But in fact, that is not 100 % true. Because this item is currently still being reported wrong. The reference number and court name does not match across all three of my credit reports. Please correct, modify or delete this item from my Transunion consumer credit report immediately for the following reasons.

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 2024-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I called Wells Fargo asking why all of a sudden, my interest rates are so high, they did not provide a answer other than " Thats the way it is with interest '' they were rude, gave no sense of direction or explanation or expectation. Or sympathy. I got a interest rate charge of XXXX with no given reason. 
I paid more than the minimum due as well, never pay just the minimum due.

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 2024-01-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am a victim of identity theft. On XX/XX/2024, I realized that several credit accounts had been opened using my personal information. All of the card limits were maxed out and my credit score has plummeted to a point that I can't get approved for any new credit. 

The fraudulent accounts are as follows : Account 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me significant distress. I respectfully urge you to prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention to and resolution of this matter are highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
THIS IS REALLY FRUSTRATING ME!! This claim of inquiry is as of yet without testimonial physical confirmation of adequately lawfully achieved permissible purpose from anyone adequately identified as EXACTLY me and or from anyone authorized to yield permissible purpose for me. It is my belief that it can not and or will not be certificated, as requisite by federal laws, with PHYSICAL DOCUMENT EVIDENCE that any such accusation of attempted or achieved application for credit or otherwise was made by me, with my knowledge, and or with my consent or that of anyone authorized to do so for me. It is my consumer rights to do so, and I am now and here in composition executing the rights to forcibly compel you to factually demonstrate every and one even each any and all of the mandated and or provided proofs that indeed I or my authorized agent truly, accurately, timely, and compliantly consented to this inquiry. I do so in light of at least the federal laws including the XXXX enacted Metro-2 compliance regulations, FCRA Section 609, FCRA Section 605, in accordance to FCRA 1681 ( b ) ( e ) as well as the accuracy of this inquiry via FCRA Section 623.As you know, allegations due to subterfuge is illegal and unauthorized. DELETE TODAY, even right NOW and right HERE SINCE YOU CAN NOT or WILL NOT be able to present Verified Validating Evidence by physically giving the certificate of the TRUTH, ACCURACY, COMPLETENESS, and or COMPLIANCE within the OBLIGATORY FEDERALLY DEFINED TIMELY manner to every and one even each any and or all of the aspects or articles of this claim including but NOT limited to all notations, dates, identities, the 426 character P6 statement ( s ), minimal five ( 5 ) portioned Personal Identifiers,386 pieces of Confirmation, any and one Alpha-/ Numeric-/ and or Alphanumeric Source Code ( s ), whether mentioned or not.

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 2024-01-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have mailed letters on XX/XX/2023, XX/XX/2023, and XX/XX/2023 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Around XX/XX/2021, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to fraudulent investment firm ( s ). 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NJ

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation