vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 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: MOHELA
State: TX

Complaint narrative:
My student loans were switched to MOHELA a while ago, and they recently put my loans in deferment without my permission, making it so that the time was not counting towards Public Service Loan Forgiveness. I tried calling and messaging to ask them to explain why that happened and let me pay for the month ( s ) in deferment so that I could get PSLF credit, but they never fixed the problem. My loan eventually went back out of deferment and they started auto-debiting payments again, but never fixed the time that didnt count from their forced deferment. I have also asked multiple times for answers about why certain months are not counting towards PSLF even though I worked for federal institutions or nonprofit organizations and they have not been able to give me a clear answer. They do not follow up on the things they promise if you are able to actually get someone on the phone, and the responses to online messages are generic and often do not answer the questions being asked. Finally, when I recently logged in to check my PSLF payment counts, all of my PSLF information is completely gone from my MOHELA account. I believe we are being changed to yet another servicer but I am concerned about the payment counts disappearing before weve been transferred. MOHELA is still my servicer and should be tracking my PSLF counts. This is something that is taking years of my life to complete, so it will be very upsetting if payment counts are lost. Im worried about the payment counts being properly transferred to the new provider because it is all missing at this time and I have no way of checking my PSLF information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: NY

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dispute of Inaccurate Information and Request for Method of Verification To Whom It May Concern, I am writing to dispute inaccurate information contained in my credit report. The item in question is listed below, and I request that it be investigated and removed if it is found to be inaccurate. 

**Account Information : ** - **Account Name : ** XXXX XXXX **Account Number XXXX ** XXXX - **Account Type : ** Charge Card - **Responsibility : ** Individual - **Date Opened : ** XX/XX/XXXX - **Status : ** Closed. {$1100.00} written off. 
- **Status Updated : ** XX/XX/XXXX - **Balance : ** {$0.00} - **Balance Updated : ** XX/XX/XXXX - **Highest Balance : ** {$1100.00} **Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : 30 days past due - XXXXXXXX : 60 days past due - XXXX : 90 days past due - XXXX : ** - XXXX : 120 days past due - XXXX : Charge off ( CO ) - XXXX : ** - XXXX : Charge off ( CO ) XXXX XXXXXXXX : ** - XXXX : Charge off ( CO ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you investigate this account and provide a detailed description of the procedure used to determine the accuracy and completeness of the information. Specifically, I am requesting : 1. A description of the steps your agency took to verify the accuracy of the disputed information.

2. The business name, address, and telephone number of any furnisher of information contacted in connection with this account.

Please provide this information to me within 15 days of receiving this request, as stipulated under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

If, after your investigation, you find that the information is indeed inaccurate or can not be verified, I ask that you promptly delete this item from my credit report and send me a copy of the updated report. 

Thank you for your prompt attention to this matter. I look forward to receiving your response and the results of your investigation.

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 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I am not able to login to my Bank of America account. When I try to login via web I receive the following message : " XXXX Banking is not available to you at this time. 
Please call us at XXXX. '' When I try to login in the XXXX XXXX, after giving my credentials ( user-ID and password ) it does not open the app. It will return to the login screen. 

So, I called the XXXX number and the agent called " XXXX '' employee ID # XXXX told me that I have to come a branch office with XXXX photo ID documents to authenticate myself. I explained that I live overseas ( XXXX ) and that is not an option to me, since it would take XXXX of dollars to fly to XXXX XXXX Florida where my account was opened and it would take XXXX hours flight to get there. I also explained to the attendant that on XX/XX/year> ( barely XXXX weeks ago ) I was forced to travel to the XXXX for the same reason. My login access and also my XXXX XXXX XXXX was blocked by Bank of America for no reason. I made a payment with my credit card, which is a recurrent payment I make on a monthly basis and the transaction was rejected and my acccount blocked. 
On XX/XX/year> I went to my branch office in XXXX XXXX XXXX XXXX and met with a senior Bank representative who helped me unblock my access and my credit card. To avoid future issues like this, he recommended to install the XXXX XXXX  on my cellular phone. I bought a wireless cell phone plan from XXXX and with the Bank of America Financial Consultant 's help I installed the XXXX app and I was able to login and perform financial transactions. From the cellular phone I received all text messages sent to authenticate myself and enable the use of the XXXX XXXX 
During the last XXXX weeks, up until XX/XX/XXXX I was able to connect both via XXXX XXXX, receiving text verifications codes that I input in the BofA XXXX and also in the XXXX without any issues at all. 
So, I need Bank of America to use either my cellular phone number to send verification codes to authenticate me or even my registered on file e-mail account. I can not afford to travel to the XXXX from XXXX every XXXX weeks, or every time they decide to block my account for no reason whatsoever.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
I was a victim of identity theft and I am currently in distress and suffering from XXXX  because of this. I am seeking help on my situation where my credit report reflects an outstanding debt that I know was caused by fraud. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. Please let me know if you need any other information from me to block this information 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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
What happened? 

I am filing this complaint regarding twXXXX unauthorized hard inquiries that have appeared on my TransUnion credit report. These inquiries were not authorized by me and should be removed from my credit report. 

Inquiries in question : XXXX. XXXXXXXX XXXX ( Finance ) - Date : XX/XX/XXXX XXXX. XXXX XXXX ( Bank ) - Date : XX/XX/XXXX Actions taken : I have not authorized these inquiries and have not provided consent for these institutions to pull my credit report. These inquiries are negatively impacting my credit score and were conducted without my permission. I have already submitted an FTC report for these unauthorized inquiries.

Supporting USC Codes : - 15 U.S. Code 1681b - Permissible purposes of consumer reports - This code specifies the permissible purposes for which a consumer reporting agency may furnish a consumer report. Any inquiry not fitting these purposes is unauthorized.

- 15 U.S. Code 1681n - Civil liability for willful noncompliance - This code allows for civil liability for willful noncompliance, entitling the consumer to damages.

- 15 U.S. Code 1681o - Civil liability for negligent noncompliance - This code allows for civil liability for negligent noncompliance, entitling the consumer to 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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
Venmo some {$500.00} from me on XX/XX/XXXX. I recently opened a venmo account and received a debit card in the mail. I had to pay a XXXX XXXX to XXXX  my driver 's license so I used my XXXX XXXX XXXX money to place {$500.00} in cash on to my venmo card at a XXXX. Been immediately suspended my account and won't release the funds. They have now stated they will not return the money to me because they suspect fraud and they will no longer communicate with me and they stop taking my emails. This is not the first time at venmo has done this I had an account in XXXX where they stole over {$800.00} for me and I'm not going to take it anymore. This has happened to a lot of people, from what I've read online. I need that money to XXXX my driver 's license so I can work this is a huge hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA

Complaint narrative:
I send money from my HSBC account in the USA to my XXXX account to transfer a tax treaty refund from the IRS to XXXX  for the year XXXX. I used the same method several times a year for another transaction, and it worked. On XX/XX/XXXX, I sent by the same setup XXXX XXXX Even though the exchange rate was unfavorable, I decided to use the HSBC service for safety and urgency. On XX/XX/XXXX, I received back XXXX $ with the explanation that the transaction was canceled. I sent XXXX $ immediately on the same day as I assumed there were issues with the amount, not the method as it worked before ; I still have no information regarding this transaction, but I assume it will happen. I was shocked to lose almost {$500.00} $ and started an investigation with XXXX banks and HSBC. The HSBC customer representative said there are no issues on their side as they convert money to XXXX and send it to the XXXX site. XXXX bank replied that they received XXXX for the transactions, and the branch number was not provided in the transaction details ; they returned the same amount of money to HSBC. HSBC bank converted received funds into USD on their internal rate, and I lost XXXX XXXX I discovered a fault in the HSBC mobile app, which was created intentionally or by a glitch that changed/removed the branch number. HSBC does not admit its fault and is not looking to reimburse losses created by its mobile app and change the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: NY

Complaint narrative:
I have an account with Juno Finance that has money in it that I can not access. It has been more than XXXX weeks at this point with no way for me to get the money that I have in the account out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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: MA

Complaint narrative:
I REVIEWED MY CONSUMER CREDIT REPORT AND NOTICE THAT I HAD XXXX ( XXXX ) LATE PAYMENTS ON AN ACCOUNT THAT I NEVER WAS LATE LIKE MY OTHERS ACCOUNTS AND THE CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE AND HAVE A RESPONSABILITY TO REPORT CONSUMER INFORMATION TO THE BEST OF THEYRE ABILITY WHIT MAXIMUM ACCURACY, I HAVE NEVER BEEN LATE ON PAYMENTS FOR THE ACCOUNT ( NAME : XXXX XXXX  ) ( XXXX ) PLEASE INVESTIGATE AND PROVIDE ALL PROOF WHIT STATEMENTS SHOWING THAT THOSE PAYMENTS WERE LATE. IF THE PROOF CAN'T BE PROVIDED, I DEMAND THESE PAYMENTS BE UPDATED TO ON TIME AS THEY SHOUD BE AS I WAS NEVER LATE. 

THANKS

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 2024-05-24 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: TX

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On or around XX/XX/XXXX, I opened a checking account with Citizens Bank with a {$1000.00} deposit. On XX/XX/XXXX, I withdrew a {$400.00} certified check to pay for a necessary expense. At this point I had not yet received a debit card for the account. The account balance was then {$600.00}. 

On XX/XX/XXXX, {$500.00} was withdrawn from an ATM along with a {$3.00} foreign ATM fee. At the same time, 3 separate fraudulent checks were deposited and then attempted to be withdrawn in the amounts of {$3000.00}, {$1200.00}, and {$200.00}. 

On the evening of XX/XX/XXXX, I noticed these fraudulent transactions and called the bank 's fraud line, but it was closed for the day. Using the bank 's smartphone app, I flagged the transactions and used the in-app feature to freeze the card to stop any further fraudulent transactions. I was not in possession, nor had ever been, of the debit card. 

On the morning of XX/XX/XXXX, I called to report the fraudulent transactions via phone to the Citizens fraud department. They told me the claim would be submitted and expedited. Several days later, I received a letter saying the claim could not be expedited and that it had been submitted in duplicate. I later received a letter saying no error had occurred and the investigation was ongoing. 

On XX/XX/XXXX I called to follow up and was told that the deposits claim was entered incorrectly by the agent I had spoken to and the debit claim was still under investigation. I was told that the deposit claim would be corrected and resubmitted. 

In a letter dated XX/XX/XXXX, the bank informed me that the deposits would be debited from the account because they were being disputed. However, in a letter dated XX/XX/XXXX, I was informed by the fraud team that they were closing the account and ending their banking relationship with me. 

On or around XX/XX/XXXX, I went in person to the local bank branch to speak to a representative who informed me that the investigation was ongoing and that they would escalate my dispute. 

In a letter dated XX/XX/XXXX, though, I was told that the investigation was closed, no fraud had occurred, and I would not be refunded the stolen {$500.00}. Shortly thereafter, I received a check dated XX/XX/XXXX for {$97.00}, the remaining balance in the bank excluding the disputed funds. 

On XX/XX/XXXX, immediately after I had received letter dated XX/XX/XXXX, I called Citizens to dispute their investigation 's findings and ask to reopen the claim. They informed me that I would receive an email about the reopened claim within XXXX business days. I never received this email or any further correspondence from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
I sent the credit bureau a letter and identity theft report to investigate and block information from my report due to fraudulent activity. As of yet, I have still not heard back from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: FL

Complaint narrative:
I sent the credit bureau a letter and identity theft report to investigate and block information from my report due to fraudulent activity. As of yet, I have still not heard back from them.

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 2024-05-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I didn't recognize 2 inquires on there report, one dated XX/XX/XXXX and the other Dated XX/XX/XXXX both from XXXXXXXX XXXX XXXXXXXX  on Credit Wise website associated with Capital one Bank Account.

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 2024-05-24 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-24 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: PR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
MY CURRENT AND CORRECT HOME ADDRESS IS : XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX- ALL OTHER ADDRESSES ON MY EQUIFAX CREDIT REPORT ARE INCORRECT AND SHOULD BE REMOVE IMMEDIATELY. I AM ENTITLED UNDER FEDERAL LAW TO HAVE 100 % ACCURATE INFORMATION ON MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief