vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
I am enrolled in the public service loan forgiveness program. By my count, I should have already qualified for loan forgiveness, and am about 7-8 payments over the requiremed number. When I inquired with Mohela regarding the record of payments, I noted that in the record there is a gap in payments documented ( no payments documented XX/XX/XXXX-XX/XX/XXXX ). I reviewed my bank records, which show I made monthly loan payments during this time. This would mean I was making qualifying payments. However, Mohela says that the period does not qualify, even though this period does not appear in my ineligible payments record. I've requested the company document the payments as not qualifying or count them as qualifying, neither of which has happened. Instead, they're requiring me to continue making student loan payments, even though I've already qualified for forgiveness. Of course, every call involves a two hour ( no exaggeration ) wait time to speak with anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Self Financial Inc.
State: MN

Complaint narrative:
I had a credit builder savings account # XXXX that I paid monthly, one of those charges did not enter and they charged me charges that I did not accept, for 02 consecutive months they added those charges and did not return all the money I deposited. me. In the month of XX/XX/2021 I disputed the charges, but they did not respond to me and marked me with delays even though they were supposed to be disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX, I received an email notification that I was denied credit and the Principal Reason for the Denial, Termination, or Other Action Taken Concerning Credit was income insufficient to meet credit obligation, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 
1 ) I never applied of credit with XXXX. 
2 ) I have not applied for credit within the past month. 
3 ) When I can 1st call ; I was informed that my information was purchased by Even Financial back in XXXX. And it purchased by XXXX. Apparently, they have used that information to access my credit and have been running credit checks at any given time without my permission. 15 US Code 1692 ( e ) False and misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with collection of any debt. 15 USC 1611 the US Code that deals with criminal liability for willful and knowing violation of Consumer credit cost disclosure laws ; " states that anyone who gives false or inaccurate information or fails to provide information that is required by this subchapter, or any regulation issued under it can face criminal penalties. When I attempted to speak with their manager XXXX, she was prepared to argue, I attempted to de-escalate the conversation, but she would not allow room for reasoning. Based, on my first conversation with the initial customer service agent XXXX. She stated that they received my information back in XXXX. The email that i received today that I was denied based on my XX/XX/XXXX, credit score which is XXXX. As of XX/XX/XXXX, my credit score is XXXX. According to XXXX advertisements, they help people with all credit scores. So along with their false, deceptive and misleading business practices, I feel that I was also discriminate against because of past credit score that is inaccurate. With exception the student loans that is currently being disputed and I have filed a police report against ; I have GOOD payment history with all those that I have extended credit with.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: MO

Complaint narrative:
My Wise Checking Account was deactivated by the company without any reason. I provide all the information that they need and i also requested for a refund as i have XXXX XXXXXXXXUSD in my account i gave them all the details but nothing. Now the company is saying that they refunded my money to my bank account that i gave them while i appeal to review my account again. But i haven't got a single XXXX in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
Please see attached BRIDGECREST RESPONSE to my initial complaint # # XXXX. 

Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX, the Chief Financial Officer of BRIDGECREST and his compadres to mishandle my securities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX deducted {$1800.00} from our checking account. Our monthly statement described this as a Zelle dispute ( see attachment " XXXX XXXX sttmnt '' ). I only learned about this from an email informing me to check my bank account Letters and Notices section, in which I found an e-letter informing us of the deduction. A phone call with XXXX Customer Service the next day revealed our apartment tenant had fraudulently claimed that her rent payment of XX/XX/XXXX via Zelle was an unauthorized transaction. 

Neither XXXX nor Zelle have been forthcoming in disclosing alleged attempts to contact us about this claim. Zelle was wrong to believe ( or were they scammed by? ) the person claiming the " unauthorized transaction '' ( XXXX XXXX ) because 1 ) The lease term was from XX/XX/XXXX to XX/XX/XXXX ( see Attachment Lease ), and the {$1800.00} was a legally binding, due payment received from the tenant, dated XX/XX/XXXX. ( Subsequent rents for XXXX and XXXX are overdue. ) Note the tenant did not claim the transaction was unauthorized until 2 months after we received the payment. 

2 ) Also, there was no dispute to which we were a party, until the {$1800.00} was deducted. Why did Zelle not contact us to notify us of this dispute and to allow us a chance to clarify the original payment 's legitimacy? 
3 ) Finally, On or about XX/XX/XXXX, I telephone Zelle to inquire why this happened. They told me that Zelle the app is completely separate from Zelle administered through a bank, and told me to direct all queries to XXXX. They refused to provide any further information. 

From our point of view, Zelle, in forwarding or even making an institution claim or request, is complicit in aiding a fraudulent claim. We appeal to Zelle to conduct its transaction here like it does many transactions : the money a payer makes to a payee is usually gone. This should apply to our tenant 's payment to us -- she was the payer -- and NOT to us as the rightful recipient of a through-Zelle payment that got reversed for what are even now unjustifiable and unexplained reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Honda financial received my car and didnt clear my name but instead damage my credit by adding wrong information on my credit report. Need such information removed because it is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My personal information was compromised which led my chase account to be hacked. I provided the branch with police reports stating that I am a victim of identity theft. Fraudulent credit cards and transactions that I did not authorize resulted in my account to be restricted. I spoke with someone in the fraud department at chase and I was told that it was possible to get my account under control. However, whats confusing is how Im being told different things from different representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 USC 6802 A. may not disclose personal information.

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 2023-10-23 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: TX

Complaint narrative:
It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.

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 2023-10-23 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: TX

Complaint narrative:
It should come naturally to understand the importance of an accurate credit report in one 's financial life. Finding errors in the credit report that conflict with one 's own financial records has therefore caused some concern. 

As a result, a request is made to correct these errors and update the credit record. A business such as yours is supposed to maintain strict standards of accuracy, and the records ought to accurately reflect your spending and saving patterns. 
I would appreciate a prompt response to this matter. It is hoped that quick action will be taken to correct these errors, considering the possible consequences. 

It is impossible to overstate how crucial accurate credit reporting is. Finding inaccuracies in the credit report is concerning because it is a crucial component of financial security. It raises questions regarding the stability of your services and your financial situation. The initial trust in your organization can be restored with a speedy resolution to this matter. 

We anticipate that this issue will receive prompt attention. In addition to being highly anticipated, a timely answer is also regarded as vitally important. You can rebuild confidence in your services and reinforce the legitimacy of your company by taking quick action to resolve this issue.

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 2023-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I gave them an application for credit and they took my information and did not return the credits or give me collateral.

15 U.S. Code 1691 ( a ) - It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction This is also securities fraud because they are trading my note on the secondary market.

According to 12 USC 412 Application for notes ; collateral required Such application shall be accompanied with a tender to the local Federal Reserve agent of collateral in amount equal to the sum of the Federal Reserve notes thus applied for and issued pursuant to such application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: NC

Complaint narrative:
There are inquiries on my credit report that are not mine includingl : 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 2023-10-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are inquiries on my credit report that are not mine includingl : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 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: TX

Complaint narrative:
After checking my consumer reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting a 30, 60, 90, and ND ( No data for this period ) delinquency late payment ( s ). I am demanding the following 30, 60, 90, and ND ( No data for this period ) day delinquency late payment ( s ) be removed and corrected to Current because I believe my consumer rights have been validated based on the consumer law ( s ) listed below 15 USC 1681a -rules of construction on Section 2 - Exclusions subsection A subsection ( i ) - reports containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 6802 Obligations with the respect of disclosure of personal information : ( b ) OPT OUT ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to me the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) I 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 ) I the consumer is given an explanation of how I can exercise that nondisclosure option. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates Clearly, under the law a late payment is considered a Transaction and not have added to my consumer report. Under 15 USC 1681n, - Civil liability for willful noncompliance ( a ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; as a consumer I can charge {$1000.00} for damages if you don't remove this item because it is very injurious to me. PLEASE DONT SAY THE ITEM HAS BEEN VERIFIED. Either the law is applicable or not! Send an updated copy once the item disputed has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1900.00}. I never opened an account with them. I was not even living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal. 
XXXX XXXX XXXX XXXX XXXXXXXX the debt collector is Portfolio, states it was opened XX/XX/XXXX in the amount of {$1800.00}. I never opened an account with them. I was not living at the address they have listed. I have been living at my current address since XX/XX/XXXX. I've been trying to dispute for years using dispute tools online. I finally called XXXX and they told me how to use this online portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 USC 6802 A. may not disclose personal information.

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 2023-10-23 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 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 USC 6802 A. may not disclose personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I deposit a 3rd party for my niece and brought her up to bank numberous of time like I was told to do with her if check on XX/XX/XXXX, its XX/XX/XXXX almost a month later and still Im Getting a run around and wrong answers they sent me a letter this morning saying I can receive my funds AND ALL OF SUDDEN THEY LOST THE MONEY AND CANT FIND AND DOESNT KNOW WHERE THE MONEY IS. Citibank is so discriminative. Ive been back and forth to the bank 6-7 times already after they so closed my account for a security issue Ive made numerous complaints about this company to numerous of breaus because this bank isnt working with me 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