vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NJ

Complaint narrative:
I called the XXXX service line multiple times because there was an overpayment to XXXX of my loans in XXXX. I called in XXXX, XXXX, and must recently XX/XX/XXXX. They said that customer service isn't aware of the timeline, there is no direct line to the financial department, and someone would reach out to me or the payment would automatically be reapplied to another loan. As of my statement for XX/XX/year> it shows an overpayment of XXXX from my payment of XXXX in XXXX. This shouldn't be an issue as I have XXXX other open loans with them but it looks like I owe on the other loans and they owe me money for loan XXXX. Why is it taking almost XXXX months for that money to be applied if it will not be returned to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-27 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: TN

Complaint narrative:
I've recently pulled my credit report and noticed inaccurate accounts. I have asked the bureau several times to provided me why they are reporting inaccurate information and to remove still haven't removed incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-27 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: LA

Complaint narrative:
Dates : XX/XX/XXXX through XX/XX/XXXX Action taken : a disputed the inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
MOHELA is my Student Loan Servicer, and has been for decades. I am current on my payments. 

They recently switched to a new online system and told me that I had to create a new account on their new system in order to access my account info, payments, etc. 

In order to complete my new account I had to agree to their terms/conditions. 

This was in the terms/conditions, " License to MOHELA. By using this website you automatically grant MOHELA the royalty free, perpetual, irrevocable, non-exclusive, transferable right and license to use, reproduce, modify, adapt, publish, distribute, translate, create derivative works from, perform and display such content ( in whole or in part ) on the website or to incorporate it in other works in any form, without restriction or compensation. '' I don't understand what this means or what I am agreeing to. 

I called and the phone rep could not tell me either. They asked someone else who also did not know. The XXXX person, said that if I do not agree to these terms, which I do not understand, I can not access my account. 

I'd like to know what I am agreeing to. 

Thank you for your 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 2024-07-28 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on experian from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry on XXXX from XXXXXXXX XXXX  XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on 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 non-monetary relief
Consumer complaint received 2024-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
They did not provide a license to collect any debt in my state. 

I requested the chain of custody for the alleged debt which they failed to provide The original purchase agreement for the alleged debt which they failed to provide

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion The following inquiries were not authorized and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Around holiday times ( XXXX XXXX XXXX XXXX ). My account was constantly being g hacked. Which caused me to get a numerous amount of new cards. An d according to then because it was so many in a certain time frame it made me a liability so they had no choice but to close my account. And at the time was at least over XXXX. But when they closed my account and canceled my current card. They told me I would receive a check in the mail for my balance. And they allowed me to dispute XXXX previous transactions that weren't authorized for over XXXX. But when they canceled my account those were just tossed out I guess. But they allowed my account to get debited by whoever or whatever. And then I wound up receiving a check for literally XXXX XXXX XXXX XXXX  I called and they would give the the run around. To the point of not even talking to me at all. By either getting disconnected ( them hanging up ) or just leave me on hold until I would eventually get frustrated and hang up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 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: TN

Complaint narrative:
Subject : Dispute of Fraudulent Accounts Reported on My Experian Credit Report Dear Experian, I am writing to formally dispute XXXX fraudulent accounts that are currently being reported on my credit report. These accounts are not mine, and I believe they are the result of identity theft. 

The details of the fraudulent accounts are as follows : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report only accurate and verifiable information. Given that these accounts were fraudulently opened without my knowledge or consent, I am invoking my rights under the FCRA to dispute these accounts for the following reasons : Inaccuracy : The accounts listed do not belong to me, and I have never had any dealings with these creditors. 
Identity Theft : These accounts were opened fraudulently using my personal information. 

I request that Experian conduct a thorough investigation of these fraudulent accounts and remove any inaccurate, incomplete, or unverifiable information from my credit report. Please inform me in writing of the results of your investigation and provide me with a copy of my updated credit report once the investigation is complete. 

Additionally, if the investigation reveals that the information is indeed inaccurate or unverifiable, please notify the creditors in question of the deletion of the accounts from my credit report. 

If you require any further information or documentation from me to assist in your investigation, please do not hesitate to contact me at the phone number or email address listed above. 

Thank you for your prompt attention to this matter. 

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 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In XXXX of this year I reached out to Experian and told them that they had all of my personal information reported incorrectly and I noticed that there were accounts on the report that didnt belong to me. I told them that they needed to fix all of this and they told me to put it in writing so I did. THEY DID NOTHING! I wrote them and disputed again in XXXX and again THEY DID NOTHING. Not even a response! They are intentionally ignoring me and refusing to abide by consumer laws put in place to protect me. It is now XXXX and my credit report is still WRONG. I feel violated and humiliated when I look at my report and/or when anyone else does too. This is not right 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 2024-07-28 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: TN

Complaint narrative:
I've recently pulled my credit report and noticed inaccurate accounts. I have asked the bureau several times to provided me why they are reporting inaccurate information and to remove still haven't removed incorrect 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 2024-07-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenity Bank Zales Credit card .I had an 18 month promotional interest set to expire on XX/XX/XXXX. I started making payments to satisfy that promotion which I was told I had to call each month to allocate payments. since XX/XX/XXXX I began to make weekly payments and calling end of month to allocate them end of the month each time I called I was given a difference amount to pay. When I paid my final payment on XX/XX/XXXX I was there told the balance was different because they decided to allocate the payment to a 6 month promotion plan. I advised them I did not ask or authorize to allocate the payment to the 6 month promotion they have calls monthly where I am allocating the payments and I want it applied to the 18 months. They said to resolve this you owe an additional {$410.00} I asked it set to expire today and was told they give a 3 day grace period I had til XX/XX/XXXX to avoid the interest. On XX/XX/XXXX I make my payment and again allocate it to now be told the same there was payment for {$310.00} that was applied to another promotion for 6 months, I escalated to a supervisor XXXX ext XXXX who finally told me they were able to get everything straightened out and allocate all accordingly to my 18 months promotion. Today XX/XX/XXXX I look at my account balance to satisfy the balance within this month I come to see from {$570.00} went up to {$1900.00} I again called this bank to advise of again the error spoke with Supervisor XXXX who stated will pull call to get this resolved gave number XXXX ext XXXX to wait until Wednesday XX/XX/XXXX to get a follow up and resolve. Since this bank has had several discrepancies from amounts given differently to representatives not allocating properly to supervisor promising to resolve I am forced XXXX submit this formal complaint to have weight in them doing what is correct finally on my account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Received hard inquiry notification from XXXX XXXX ( hard inquiry was made through XXXX and XXXX ) about someone trying to open a card with Capital One. I never tried to open a card with Capital One. When signing up with XXXX and XXXX, I found a phone number that was attached to my account that I have never seen before. The phone number was XXXX. This is not my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: VA

Complaint narrative:
Equifax, keeps reporting XXXX XXXX XXXX  account that it's open but the account was closed in XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Its been over 10 days, 36 days since ive filed a dispute and no credit has been issued to my card. This is violating Reg E. This has caused me distress and I would like it resolved as soon as possible. No update has been given to me either.

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 2024-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I had a debit transaction for XXXX on XX/XX/year> that we did not authorize. I went to Ameris Bank in XXXX, Ga once we made the discovery and sat down with XXXX the bank representative to make a fraud report. As if XX/XX/year> we still have not been contacted by any fraud department and the bank asked us for an additional XXXX weeks before they will return any money that was fraudulent taken. We have no case number or anything. The bank does not want to insure the money we lost in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-28 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: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
Per the fcra as a federally protected consumer I am now opting out of any and all authorization I the consumer may have giving you written, unwritten, verbal and non Verbal per 15 usc 6802

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