vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2023 I received and email that a checking account was opened in my name with Bank of America. I have already had a checking and savings account with them for over a decade, and had no knowledge of this account. I contact bank of america and at first they advised there was no such account, after further investigation, they agreed their was an account opened in my name. They shut it down and advised me my identity was compromised. I am concerned that they did not do their due diligence when allowing someone to open an additional account in my name, they did not notify of me of the application, they did not require a copy of my DL and or any other due diligence. I only found out because I received an email with an account approval

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 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: OR

Complaint narrative:
Someone stole my debit card and used purchases. I couldnt access account as phone was broke and online didnt have where could disable card. I was able to change pin that stopped new purchases although the thief had card to an account he kept using. He spent {$800.00} before I got new phone to use the CashApp app to cancel card. The CashApp debit card did get refunded for some of charges. Yet they saying I authorized what I didnt authorized. I am contacting the merchant and they keep having me fill out this detail sheet and nothing changing as they asked me to fill out detail sheet about three times. I cant call and explain to either company for they seem not to have anyone to speak with on this issue. 

Here are all transactions of fraud to my account. 

XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$59.00} XX/XX/XXXX. {$11.00} XX/XX/XXXX. {$13.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$19.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$54.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$1.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$26.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$18.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$2.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$9.00}. 
XX/XX/XXXX. {$7.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$14.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$15.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$9.00} XX/XX/XXXX. {$8.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$3.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$16.00} XX/XX/XXXX. {$5.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$12.00} XX/XX/XXXX. {$10.00} XX/XX/XXXX. {$4.00} XX/XX/XXXX. {$10.00} If you could help recover stole funds, that be so helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/XXXX we discovered my wife had XXXX XXXX. We fell behind on payments due to me taking FMLA off work to care for her. We tried working with Wells Fargo to save our home. They put us on a Forbearance plan for XXXX XXXX XX/XX/XXXX. Then we tried to do a loan modification to catch up the missed payments and they have been very difficult to work with.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX account XXXX XXXX XXXX XXXX  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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. On XX/XX/2017 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1600.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

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 2023-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: PA

Complaint narrative:
XXXX XXXX hospital charges the bills that is not supposed to charge. I've contacted them to waive the fee that was not fair to charge for the first patient registration. 
I have never seen this kind of biils in the past. 
I also contacted the debit collector company but they are very rude and not supported to customer at all.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: IA

Complaint narrative:
There are several items on my credit report that say no status. When I called into the credit reporting company Experian, the gentleman was extremely rude and told me that the one from XXXX XXXX XXXX was a charge off. I told him I had no idea what he was talking about and he said he was going to update it to say it was a charge off. They refuse to allow me to dispute it and dont send me any proof of what it is.

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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miguel A. Maza & Associates, PSC
State: PR

Complaint narrative:
I contacted on XX/XX/2023 XXXX XXXX XXXX XXXX XXXX and asked about the debt they had purchased and how I could get assistance with it XXXX On XX/XX/2023 they replied to my email and gave me their collection agency contact information Miguel A. Maza & Associates. I was asked to contact them and that they would be able to help with the payment plans. 

I contacted Miguel A. Maza & Associates on the XXXX of XX/XX/2023 and explained my situation to the person who answered the phone once I finished I was transferred to XXXX XXXX himself, this unethical lawyer after I explained that, that account happened right as the COVID-19 pandemic started and that on multiple occasions I tried to communicate with the company and explained that I was now unemployed due to COVID-19 pandemic but never got a response, I even tried calling but again never get a call back. I also asked him if we could work out a payment plan because I am still unemployed and basically get money off side works that I do therefore I couldn't pay the full amount in one payment. He proceeded to tell me that they dont offer payment plans nor settlements or any type of agreements. He told me to go get a job and that I was going to be sued for everything I have if I dont pay him the XXXX. This lawyer also told me that even if they did payment plan he wouldn't offer one to me because I couldn't pay it. He told me that Puerto Rico has plenty of jobs and that I need to get one. 

I am requesting a formal investigation because this is completely unacceptable from the start when I tried to get help from XXXX XXXX when XXXX first started to now where Miguel A. Maza & Associates refuse to help me pay off this debt and get it off my credit report but instead threaten to sue and take everything I own

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They have been putting on my report that I owe them money due to an apartment but I called they had no records of me because I have never ever lived in XXXX Tx Im in XXXX  XXXX and they send me a letter stating that they have no knowledge of me living there or anything I asked them to remove it witch years back it was removed and now its showing again a

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXX XXXX XX/XX/XXXX, XXXXUnauthorized Inquiry XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I understand that you are requesting the removal of a late payment from your account, as you have never been late and have been working hard to make your payments on time. In order to assist you with this, please provide me with the necessary documents so that I can further investigate the issue and assist you with disputing the late payment with the credit bureau.

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 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft, someone accessed my online accounts and these fraudulent inquiries were made. I already filed a Identity theft FTC report # XXXX which is attached. Please remove these fraudulent inquiries off my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : 1. The inquiry was not authorized XXXX XXXXXXXXDate of Inquiry : XX/XX/2023 XXXX. The inquiry was not authorized XXXX XXXXDate of Inquiry : XXXXPlease remove it from my credit report. Please remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. Sincerely, 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 2023-05-01 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: OH

Complaint narrative:
I am under a Public Service Student Loan Forgiveness program with MOHELA. As of last week I have 99 qualifying payments with my current employer, XXXX XXXX. On XX/XX/2023 I submitted IRS W2 Wage and Tax Transcripts for years XXXX proving 24 months of previous qualifying employment. As my former employer is no longer in business, I sent MOHELA W2 documentation from the IRS, but MOHELA is not counting the W2 transcript towards my loan forgiveness. The two years provided would have me above the 120 payments required for forgiveness. 

I have multiple correspondences via message on their site and phone calls. I attempted to ask why they would not accept the IRS documentation multiple times ( most recently XXXX and XXXX ) and received this response : " We apologize for any inconvenience. If youre unable to obtain a signature from an employer for your XXXX XXXX XXXX XXXX ( XXXX ) application, you must check mark the box on the bottom of page XXXX that indicates that you can not obtain verification. Once that box is checked, your employer will not need to fill out section 4 on page 2 of the application. However, in place of the signatures in section 4, you must submit both W-2s and paystubs along with the PSLF application. '' " If youre unable to provide both W-2s and paystubs, we can accept either the W-2 form ( s ) for each calendar year or paystubs/deposit records for each month of employment. Please note the IRS Form 1040 or tax transcripts that dont include W-2 information are not acceptable proofs of employment. '' " If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday 7 a.m. to 8 p.m., Tuesday and Wednesday 7 a.m. to 7 p.m., Thursday and Friday 7 a.m. to 5 p.m. CT. '' Thank you, MOHELA '' It has been 6 days since I pointed out that the form I sent has the W2 information on it ( not a 1040 ) directly from the IRS and I have no response from them. I am currently awaiting more transcripts from the IRS for my previous employer for the years XXXX. 

I fully respect and appreciate the PSLF program, but I feel it is unnecessary to be punished to pay more just because my previous employer doesn't exist and can't sign off on my employment. Thank you for your consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm really sad that they are displaying on my credit record because this account is not mine. Please delete it. Since this account does not belong to me and never will, I want the company to delete it. Please assist me in getting this off of my credit record as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Elevate Recoveries, LLC
State: FL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 states i have the right to privacy.

15 U.S.C 1681 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 U.S.C 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX

Complaint narrative:
I keep receiving debt collections attempts and reported to the credit bureau from a company name XXXX XXXX under the account number XXXX for the amount of $ XXXX Dollars.I had never had any businness with that company, they actually do not provide services within the city/county where I live.I have never been or stay at the area they provide services. My credit report keeps poping up that debt even do it was closed in the past. I submitted a identity theft report and contacted XXXX in the past. I actually sent all proof to an email they gave me XXXX under the subject : XXXX XXXX. I need my credit report to be clean since this is affecting seriously my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: TN

Complaint narrative:
This is for a XXXX XXXX bill from XXXX. The new collection company erased the old debt and created and new debt starting in XXXX. When I contacted the company to dispute that his account was old and not new, they told kept trying to get me to just pay their amount. The supervisor confirmed that the debt was started in XXXX and not XXXX and that they were reporting it as such, but they are not. She went on to claim that it was the credit bureaus fault, not theirs. However, when I then told her that if what she is saying is true, then in two years her account would disappear off my credit because the account is 5 years old, and negative items would come off my credit after 7 years. She proceeded to tell me that wasn't true and those items don't come off your credit. I told her she was the first person to ever tell me that. She then told me that the only way it would come off the report is if they reported it as paid, again tried to get me to pay. I again told her that two different mortgage companies were telling me that it was showing up as a new debt as well as myself looking at what they submitted to the credit bureau. She ignored what I was saying and again blamed the credit bureau, confirmed again that the account was from XXXX, and that they reported it that way, but that they also submitted the XXXX date to the credit bureau. This is obviously a tactic that this company uses to get people to call in and pay the note, even though it's an extremely old note. I told her that I would have actually considered paying it off if their practices were not blatantly shady and possibly even illegal.

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