vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-24 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: TX

Complaint narrative:
Facts, under the original PSLF program I have worked for a nonprofit for XXXX XXXX XXXX of them full-time made XXXX payments and shouldve been discharged already. However, I consolidated under the Biden terms that we were all supposed to adhere to last year, if not earlier, and I still have not had my debt discharged. Again under normal PSLF terms I would have already. The company asked that I re-verify my employment, which correct me if Im wrong I thought that was a simple phone call of my employer however I did as they asked and re-verified the employment on a document. They then said its 45 days from the date of submission of requested documentation that they would rebalance my payments to reflect the XXXX and that should be enough to complete discharge. However, this last time I called the person that I talked to said oh, it might take an additional 1 or 2 years before we can discharge any debt and you will have to pay until this happens. my problem with the statement is I already qualified for discharge based under the original requirements of a PSLF program and should not have to pay in an additional two years because they are behind on processing if I met the requirements? Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: AR

Complaint narrative:
XX/XX/2023 I sent {$860.00} to my friend via CashApp. The payment shows " completed '' in my CashApp account, but on her account it shows " pending. '' To this day, it never made it to her and it still shows " pending. '' Despite the fact that it is MY money that never made it to the recipient, CashApp refuses to talk to me about it because her account is not my account. She has tried multiple times to raise tickets, fill out their forms, etc and STILL they tell her that she just has to wait. It's been nearly three months. Because this payment was for things I purchased from my friend, I had to send her the money AGAIN, so I am the one who is financially harmed by CashApp 's lack of ability to complete this payment. Also note, this happened to me once before -- for no apparent reason, the payment did not complete and in a few weeks they admitted their fault and finally pushed it through. This time, though, I don't believe they're ever going to rectify the situation. I will no longer use CashApp, that's for sure, but I need that {$860.00} back or for it to be sent to the intended recipient so that she may refund it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/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 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible

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 2023-10-24 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: KY

Complaint narrative:
15 usc 1681 and under FCRA laws companies are required to provide proof of alleged debts and a signed contract with my signture that i agreed to do business with this company and have my NON PUBLIC INFORMATION SHARED WITH OUT MY CONSENT

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 2023-10-24 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: KY

Complaint narrative:
15 usc 1681 and under FCRA laws companies are required to provide proof of alleged debts and a signed contract with my signture that i agreed to do business with this company and have my NON PUBLIC INFORMATION SHARED WITH OUT MY CONSENT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/XXXX Approx XXXX deposited in my business checking account ( refinance proceeds ) XX/XX/XXXX ( Account was placed on hold I was not notified ) XX/XX/XXXX deposited {$4600.00} ( not notified that account was in hold status ) XX/XX/XXXX XXXX deposited into business checking account ( refinance of second investment property ) when I tried to pay contractors for the work the wire was rejected and I immediately went to the bank. At that point I was notified of the hold. 
XX/XX/XXXX I emailed my banker both closing documents- all pages ( although they didn't ask for these items ) verifying the origin the amounts and purpose of the funds wired into the checking account. 
I have went to XXXX branches and called and no one can tell me why the bank would decide that the loan proceeds wired to my account is being held and investigated. Even the bankers have said that they have never had this happened and not sure what to do. 
My complaint is against the internal process of accepting and holding funds without reason and the overrall callousness of the banking employees at Truist Bank. The very mortgages that were refinanced are now past due, I am trying to salvage my relationship with the contractors who did the work on my properties and none of the banks employees are showing any urgency in getting this resolved.

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 2023-10-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
The name XXXX appears on the documentation because I purchased the card for a relative. 
The only response from the XXXXisa Vanilla company is to contact their automated telephone system again and again which is useless. 
I have changed my pin on the card numerous times and I still can not use the card. Even bypassing and attempting to use the card as a credit card does not work. 

I again changed my PIN number to XXXX before trying to purchase something. 

Very very recently. I tried to make purchases at XXXX XXXX supermarket in XXXX, North Carolina and each attempt failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2023, I made a payment of {$220.00} on the credit card XXXX XXXX XXXX XXXX mastercard issued by XXXX. The payment amount was already deducted from my checking account as of Monday XX/XX/XXXX. Today, XX/XX/XXXX, the payment is still not posted to my account and is not included in my credit limit and still shows processing since XX/XX/XXXX. My credit limit is only {$1300.00} with current balance showing {$140.00} and with available amount to spend of {$920.00}. I had a credit card account with XXXX XXXX issued by XXXX in the past and i closed it out. I reapplied and was given this new one with {$1300.00} credit limit. In the past, when I schedule a payment the day before my due date, the funds is deducted from my checking account on the due date and and the payment is posted immediately. That is not the case this time. It feels like XXXX XXXX XXXX issued by Synchrony Bank retaliated against me for closing my account in the past. Now the payment made on the XXXX of XXXX is still not posted. It looks like XXXX XXXX XXXX is doing this on purpose so it will appear that payment is made late and late payment charge will incur. I have good credit and i don't want this to affect my credit negatively. The fact that i was approved for this credit card the XXXX time was because i paid my bills on time each time and never late on payments with the previous credit card I closed. never late.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. 
My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : REMOVE THE FLWING NAMES 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 PLEASE REMOVE THE FLW ACCOUNTS 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 You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.

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 2023-10-24 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: GA

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-10-24 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: MA

Complaint narrative:
I am writing to formally submit a complaint regarding the inaccurate information on my credit report, which I discussed with Experian on XX/XX/XXXX. To date, I have not received any response from Experian regarding this matter. I would like to provide you with the details of the inaccurate information and the necessary corrections : Account not belonging to me : Account Type : 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 XXXXt : Please remove this account from my credit report.

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 2023-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TN

Complaint narrative:
I initiated a direct debit from my Chime account to my mortgage company on XX/XX/XXXX in the amount of {$1000.00}. The funds were removed from my Chime account on that day. 
A few days later I accessed my mortgage account to confirm whether or not I had covered all late fees, and the payment for XX/XX/XXXX still hadn't posted. I had become familiar with Chime holding some deposits for 7 days. Therefore, I allowed additional time in the event that the payment was being held. 
After a week, I contacted my mortgage company about the payment having not posted. They informed me that they never received it. 
I then contacted Chime, and all they will provide me is an account transaction showing the funds leaving my account ; and state that they can not provide the record of the electronic transfer ; proof that my money went to my mortgage company. They are supposedly investigating the situation, and IF they find an error ; THEN they will issue a temporary credit. 
They have refused to void or reverse the transaction so that I can get my money back, which would enable me to send funds to my mortgage company by a different, and not risk missing a house payment. Chime insists that the funds transmitted correctly. But refuse to provide electronic proof ; nor issue my credit they investigate. I feel like they stole my money ; and their evasiveness just strengthens my feelings that I have been robbed by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: MA

Complaint narrative:
I am writing to bring to your attention an issue regarding incorrect information on my credit report, which I reported to XXXX on XX/XX/XXXX. As of this date, I have not received any response or resolution from XXXX. I would like to provide the following details about the inaccurate information and request the necessary corrections : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} Status : Not mine ; please remove it from my credit report. 
Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Not mine ; please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 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: Self Financial Inc.
State: KY

Complaint narrative:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Date : XX/XX/2023 There were over XXXX fraudulent purchases back to back on my account totaling {$1400.00}. I opened a complaint with Bank of America and they denied the claim stating it was a chip on chip ( physically impossible ). They provided no documentation proving this and allowed all charges to go through and drain my account. Ive provided them everything they have requested and have gotten noting but vague responses and the run around. I attempted over and over to resolve this with them with no success.

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 2023-10-24 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: KY

Complaint narrative:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

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 2023-10-24 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: KY

Complaint narrative:
15usc 1681 law requires you to validate this account with a signed contract. futhermour i did not agree to have my non public information shared

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried applying for the credit card and I was informed that the information on my application and the information on my consumer report did not match. After reviewing my report personally I realize that my name is incorrect. 
My only name is : XXXX XXXX XXXX I would like all other variations of my name, removed from my consumer report, because it is damaging my financial health

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 2023-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I've consistently made payments on time for this account, and it's causing me immense stress to see an incorrect late payment entry. I've never faltered in my commitment to timely payments. The impact of this error on my mental well-being is significant, affecting my sleep and peace of mind. I respectfully ask for an immediate correction to my account and hope you understand the urgency of this situation.

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 2023-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This company have no authorization to run my credit. I need to be removed as soon as possible

Company response to consumer: Closed with explanation