vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-26 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: Ability Recovery Services, LLC
State: TX

Complaint narrative:
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I sent the Credit Bureaus letters asking them to verify debts on my report. they replied that everything has been verified : however, my credit report continue to show inaccuracies. 

XXXX XXXX XXXX XX/XX/XXXX, Amount : {$760.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$950.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1400.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2000.00}, Account : XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$2100.00}, Account : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Amount : {$1000.00}, Account : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, Amount : {$1700.00}, Account : 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 2023-01-26 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: IL

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. Mohela is not even processing my PSLF application. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved one so this pushes the processing time even further due to their mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Around XX/XX/XXXX I received a collection notice from I C Systems for service with XXXX XXXX. When I contacted them I was told this was for service XXXXXXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Service dates : XX/XX/XXXX through XX/XX/XXXX. Email address used was XXXX. Total due is {$600.00} A couple of day later I received a call from XXXX XXXX XXXX. 
It was for a credit collection for XXXX XXXX  address was XXXX XXXX XXXX # XXXX, XXXX, TX XXXX. Service dates were XX/XX/XXXX through XX/XX/XXXX. Emailed address used was XXXX. Total due is {$840.00}.

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 2023-01-26 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. recently checked my report and seen three credit cards along with numerous inquires which is hindering me from getting a vehicle. This is a result of identity theft and would like these accounts and inquires removed immediately.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Veem  Inc.
State: CT

Complaint narrative:
! XX/XX/XXXX there was a ACH transfer from my XXXX bank account to XXXX XXXX XXXX, by way of Veem. On XX/XX/XXXX I contacted XXXX, put a hold on the account. 
XXXX  XXXX XXXX says I need to go the the XXXX XXXX XXXX for redress. 
XXXX XXXX XXXX said I have to go through VEEM. 

A Veem representative called me on XX/XX/XXXX and said they would refund the amount taken- {$42000.00}. its been XXXX weeks and nothing from them. 
I tried calling, leaving messages and sending email to their Fraud help email on their website. No person can be reached, even at the extension I was given. 
No return messages or email. 

The VEEM rep also said on XX/XX/XXXX that a fake account was opened in my name using my email and EIN number only. That enabled scammers to take money from XXXX  XXXX XXXX account. 

Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo mis led me and my spouse to not make house payments which forced our homes into foreclousre. We both were told that this would not happen and it did. The results had years of damage to our credit scores which cost us severe finacial damages.

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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX was contacyed regarding this account over the past XXXX years indicating this is resulting from identity theft due to XXXX breach. Ive disputed this account more than XXXX times and nothing has come from it. When XXXX federal realized it was in fact fraud, they then sold the debt to a XXXX party named LVNV funding/resurgent. Now this nightmare has started again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: MS

Complaint narrative:
I noticed that Experian is reporting fraudulent inquiry accounts on my credit report. There is a XXXX XXXX XXXX and XXXX XXXX XXXX on my credit report that is not suppose to be there. According to 15 U.S. Code 1681n ( 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 the an amount equal to sum of ( 1 ) 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} I never gave experian a written instruction or permissible purpose to put this on my credit report according to 15 U.S. Code 1681n ( B ) Civil Liability for knowing noncompliance- any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00} whichever is greater.

I have sent over my information that is needed including my identity theft report according to 15 U.S. 1681c-2.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I had a Wells Fargo account in XXXX XXXXXXXX that i closed but I was not able to file a claim form for the settlement that I should have been apart of. I believe Wells Fargo owes damage fees to me.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Hello, I need your help in this matter with Bank of America. 
I am being accused of a fraudulent transfer, that I made on XX/XX/XXXX. 
The accusation is made without the knowledge where the transfer originated from, or proper investigation. 
I was an authorized user on their account ending in XXXX, and transferred money into another Bank of America account ending in XXXX. 
Instead of investigating they prefer to accuse me of illegal transfer. 
I been given the run around since the end of XXXX, when my accounts were frozen, and then closed. I wrote to the XXXX  and copied others, but nothing it's done. I can forward the e-mail that contains all the information, upon request. 
I hope you can assist on this matter, or at least tell me what did I do wrong. As of today, I have not received my money from account ending in XXXX for about {$32000.00}, or a valid reason of why this is happening. 

Thank you, 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 monetary relief
Consumer complaint received 2023-01-26 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: TX

Complaint narrative:
I am a victim of Identity Theft. I submitted my report as i was supposed to. Equifax refuses to remove or block the items that were not mine due to Identity theft when the other bureaus did. My ID Theft report with the FTC was XXXX. Not only was my information stolen a while back, it was also compromised by Equifax themselves as i am currently awaiting my check for the information breach. I have reached out to them TWICE in an attempt for them to fix my report but they have ignored me and/or refused to do anything about it or contact me about it. I am just trying to move forward with my life and they are not letting me do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXXXXXX 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 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/2023 I deposited a check through the mobile app to my CitiBank online portal. 
They are flagging this check ( from my dad through XXXX XXXX for $ XXXX, totally not fraud ). 
I did not find out until I went to dinner and my card stopped working. CitiBank froze all my money. Ive proven that the check came from my dad ( he signed an affidavit and its showing cleared ). They said they will now freeze for 30-60 days. 

I have checks bouncing, my mortgage wont be paid. I need help. The check isnt fraud, they know that. Now they wont release the $ XXXX in the bank.

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 2023-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I sent a customer wiring instructions for our company account. On XX/XX/XXXX the customer called to confirm we had changed our account which was not correct. He sent me a copy of the email which appeared to be from our company which stated we had changed our bank and the customer was now supposed to send the funds to JP Morgan Chase Bank N.A. I called JP Morgan Chase fraud department to report what had happened. The routing number was for the Chase Bank in XXXX, XXXX  but the account number they did not recognize. I explained that this was a wire for over {$700000.00} and someone should look into the fact that someone was using Chase bank to steal money. I really did not get a answer but he gave me a phone number to call back in 7 to 10 days and they could update me. I called the number got routed around several times and finally a women answer and said there was nothing they could do and would not look into what happened. I told her someone was using their bank gave them all the information account number etc and they just said sorry nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX and do not receive mail here. Someone has opened an account with my information and has used this address, i would like this address removed from my consumer report immediately.

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 2023-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
On XX/XX/XXXX a summons was improperly delivered to my property address and given to a tenant who is not a family member or relative whom I do not live with and when delivery after knocking on door and handing a summons not in an envelope and not to myself. 

This debt is also being challenged by XXXX XXXX who has been asking for debt validation unsuccessfully from the creditor and there is a Lack of Standing in that the debtor creditor relationship not being one and the same. When debt collectors are contacted by me the many entities involved do not have any proper information about the debt, or proper dates or amounts from the original debt that was a credit card that was closed in or around XXXX and therefore the statute of limitations may have also expired and the amounts of the debt tripled according to the summons and debt collectors who are demanding a response and attempting a default judgement. 

I have been under duress and I am a 100 percent service connected XXXX veteran and I am being tracked by phone from an outside source such as XXXX tracking device and followed and spied on. All for a credit card debt. 

I am just coming out of a place of hardship and we have been assessed at my condo for several thousand dollars and I am also recovering from XXXX XXXX  scare. 

Sending someone to my condo unannounced and delivering these documents improperly at my condo ( btw I can not always stay there due to the amount of work that is major at the building ) and large assessments has caused me anxiety and I need it to stop. 

Also the original debt belonged to TJMax synchrony bank and the debt collectors are Attorney XXXX XXXX and XXXX XXXX and XXXX ( or whoever as I can not get straight answers from them and I have had to spend more money now to initiate a letter to the courts to stave them off. 

Also the XXXX XXXX company I have been dealing with for two years has completly dropped the ball when I notified them this was happening and said they can not help. I have spent two years paying them {$120.00} for over two years in order to resolve these debts and only to find they can not do what they claim. I would like a full refund. This is such a scam.

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 2023-01-26 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:
On my Equifax credit report, my Name is listed as XXXX XXXX XXXX with a social security number of XXXX. This is not my name or social security number. My name is XXXX XXXX with a social security # of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 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: TN

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

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 2023-01-26 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I reached out to Experian to dispute inquiries on my credit report as there are XXXX that I did not recognize nor did I authorize. I was sent to the fraud department where I was answered by a representative named XXXX. I began to tell XXXX about these inquiries that I did not recognize them and that I did not authorize them, and XXXX proceeded to check into the first inquiry - XXXX XXXX  who ran my credit twice on or around XX/XX/XXXX. I proceeded to inform XXXX that I did not know why this inquiry was on my credit and that I did not authorize it. XXXX told me that he could not do anything because it was possible that a dealer ran my credit with the purchase of my car. I informed XXXX that was not possible because when I purchased my car in ( XX/XX/XXXX ) I went in with a pre-approval from XXXX  XXXX and because I bought it from XXXX, there was no running of the credit as this was not allowed since I had financing. XXXX then stated it was hypothetically possible that the XXXX XXXX  allowed XXXX  and another XXXX companies to run my credit ( Although XXXX of the companies XXXX XXXX - ran my credit in XXXX, well before I bought a car ). I told XXXX this and he said he can't do anything because its likely related. I told him they are not related to my purchase and I did not authorize it and XXXX said he won't do anything to assist. 

I then asked XXXX about the remainder and he just said they are all " probably '' related, even though I keep stating that these were not authorized nor known and are not related to my capital XXXX account. 

I asked XXXX for his agent ID and he stated there is no employee number and he's only giving me his first name. I then asked for a supervisor and he told me XXXX wasn't available but they'd call me back within a day. I asked for the supervisors name he said he's not giving it out to me. 

XXXX pretty much told me that even if I didn't authorize it, that there's nothing he could do, even though he only presented it all as hypothetically possible. 

The inquiries : 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  I authorized.

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 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My CHASE XXXX Checking Account with Parent listed on account. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$25000.00}. 
On XX/XX/2022 a wire transfer was made from my account in the amount of {$200000.00}. 
Funds that were not available in my account were sent to another account. 
I was not notified of anything suspicious and my parent was not notified. 

On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$10000.00} On XX/XX/2022 a withdraw from a bank in Ohio was made in the amount of {$14000.00} Funds that were not available were withdrawn by someone and not verified by the bank prior. NO one notified me or my parent. 

I am now being told on XX/XX/2022 another wire transfer was sent from may account in the amount of {$110000.00} No one verified funds in the account? No one notified me or my parent?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I recently saw multiply articles regarding a settlement with Wells Fargo Bank. I had an account in the mentioned timeframe and do recall receiving multiple overdraft fees during that time, which were inconvenient and resulted in me closing the account. The website says to file a claim directly with CFPB as I have not received anything directly from Well Fargo. 

https : 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