vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How XXXX XXXX XXXXXXXX is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 
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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the High Balance, last verified, closed date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

As defined by the IRS Even if you didn't receive a tax form 1099-c you must report cancelled debt and gross income The IRS clearly states charge off as income the reporting of this account is inaccurate. INCOME DOES NOT GET REPORTED ON THE COSUMER REPORT, WHICH MAKES THIS REPORTING INACCURATE. So How n the XXXX  is there a balance on a charged off account? According to 15 USC 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 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: EdFinancial Services
State: OH

Complaint narrative:
In accordance with the fair credit Reporting act. 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 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
Last year I sent a question to MOHELA about PSLF. They waited months, then messaged back to say something to the effect of, " It looks like we haven't answered your question. If you still need an answer, please resubmit it. '' That's totally unacceptable, but I'm even more frustrated now. 
They have alerts all over telling us to sign up for the REPAYE plan because it automatically transitions into the SAVE plan, so I submitted my application, and now I got a message telling me to log in to view a letter. So I log in, and it says my request to sign up for the REPAYE/SAVE plan was denied, because I need to upload documentation. But the problem is they didn't tell me what documentation to upload, they just said I need to contact them to find out. So I tried contacting them, and it turns out they aren't available outside of standard work hours on the west coast where I live ( Washington State ). 


I don't have a choice who services my loans if I want to qualify for PSLF. MOHELA has been assigned. But they are woefully ( I would argue, intentionally ) understaffed, and give you the runaround every single time you try to have even the most basic of questions answered. This has to improve. If you want people to make payments on loans, then stop making it so hard to make payments on loans. 


I'm submitting this to the CFPB because I don't know who else to turn to. I'm trapped into a relationship with this terrible company, and I have no recourse for when they choose to either A ) not answer my questions at all or B ) supply me with intentionally opaque information about what they need from me to proceed. 


Please do something about this. I have loans through the government. The government chose MOHELA. The government can hold MOHELA accountable. I can not hold them accountable. Please do something. I've wasted countless hours trying to work with them, and it's just not fair to anyone to have to put up with their evasive policies and practices. PLEASE HELP. I'm at my wit 's end, and I'm certain there are millions more out there in my exact situation. 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 2023-07-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have contacted Transunion several times along with written letters as well as online disputes. I have informed them that I have been a victim of identity theft. They have refused to send me evidence of information being verified. Along with I have also told them that creditors such as XXXX XXXX XXXX  claims they do not report to the credit bureaus, which is a lie because they are clearly reporting on my credit report also the fact that I told them that it isn't my account and needs to be removed immediately. Also I have called and disputed the ridiculous amount of 29 inquiries. I have sent them a letter telling them that according to 15 U.S code 1681 I didnt give permissible purpose for the following items to be reported on my credit report let alone I was a victim of identity theft. 
So these items need to be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
1 ) My check of Wells Fargo bank was stolen and altered payee and cashed at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. per police and FBI report. At XXXX XXXX branch manager XXXX XXXX and Claim dept XXXX both are waiting WF bank contact to negotiate my loss of {$30000.00} dd XX/XX/22. After my repeated claims of numerous times since XXXXnow WF bank all they did was sending a letter to deny of 30days wasn't met per deposit agreement which I was not aware and not received when i opened an account. I got one 13 yrs ago for original account was opened with 60days clause after statement was received.

2 ) Bank stopped sending my paper statements 2 yrs ago and I repeated claimed at the branch many times which some of tellers and officer recognized. I also called several times to claim at customer service and all told me my account is online and paper statement. I don't do online I am over XXXX XXXX old and very scared and poor with online. 
To get paper statement is my right and without it I couldn't discover the unauthorized transaction. No one else touch my account except me and I live very safe area with same address 20 yrs. I am home most of times with mail arrive. Customer service told me there are lots of complain for the missing paper statement like me.They also said WF bank recommend to customer to use online but I like only paper statement repeatly claimed. 
3 ) Bank denies to help me at the branch and claim/Executive office both just turned me down with the same 30days clause. 
4 ) Without any calls/text/emails for unusual transaction of large amount was very bad service. My checks only 3 and 2 others were only {$120.00} & XXXX XXXX this is my pattern. 
5 ) WF XXXX XXXX br teller told me the check was clear and not to worry on XXXX XXXX This leaded to make me believe the check was paid no problem.

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 2023-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist is threatening to force place flood insurance on my account. I have submitted my policy twice and they are not intelligent enough to see it.

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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
My American Express accounts were closed in XXXX in error due to billing disputes. Why would I intentionally try to get my accounts closed? I always used and payed my cards on time. It was fraudulent for whoever had my accounts and was not me. I need to be able to apply for another card without getting denied. I have been with Amex since 2018. And I am a veteran. I shouldnt be treated this way for an error that was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MoneyLion Inc.
State: NY

Complaint narrative:
MoneyLion signed me up for a loan for {$500.00} and I didnt receive anything I didnt sign up for that my bank is not connected with that service Im being scammed from money lion

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm trying to find out what was said by BOA unable to place use new password for info It is obvious that BOA has been using " Man In The Middle '' tactics and again unable to read response from BOA they need to send me there response by mail please I'm going to FDIC.Gov and again " Man In The Middle tactics are being used '' .I 'm trying to file with FDIC.gov but XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX intercepting by using a MISI fake tower XXXX XXXX XXXX XXXX  XXXX Ca XXXX : please I need your help unable to place token keeps popping up three new tokens when I only pressed once.

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 2023-07-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION ASSOCIATES, LTD.
State: OH

Complaint narrative:
In XX/XX/2018 I had XXXX XXXX. After XXXX XXXX years, a company call Collection Associates LTD contacted me in writing that I owe {$3400.00}, XXXX XXXX XXXXXXXX XXXX. I requested phone numbers to XXXX XXXX XXXX and all phone numbers are not valid numbers. ( XXXX ), ( XXXX ). XXXX XXXX XXXX website states that they are permanent closed. Talk to Ohio Attorney General and they it sound like a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS
State: MI

Complaint narrative:
I am writing this letter to formally lodge a complaint against Lexis Nexis Risk Solutions for reporting significantly inaccurate and erroneous information to my insurance company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Lexis Nexis Risk Solutions is responsible for providing consumer reports, including details of motor vehicle accidents, traffic tickets, personal identification information, and other relevant data. However, the information that has been associated with my report is profoundly incorrect and unrepresentative of my personal and driving records. 

To outline the severity of this issue, the incorrect details on my consumer report include motor vehicle accidents that I have never been involved in or have any relation to, traffic tickets that I have never received, several incorrect names, addresses, Social Security numbers, identification numbers, and phone numbers that are not related to me in any capacity. 

These gross inaccuracies have had serious implications on my financial health, personal reputation, and most importantly, my insurance premium with XXXX, which relies heavily on this data to determine my insurance rates. The incorrect data from Lexis Nexis has caused undue stress, financial burden, and has been a considerable inconvenience, as I am now tasked with correcting these errors ( my yearly insurance premium increased from ~ {$1400.00} to ~ {$3600.00} ). 

I have attempted to resolve this matter directly with Lexis Nexis Risk Solutions, but unfortunately, to no avail. Therefore, I am now seeking your assistance to investigate this issue and to require Lexis Nexis Risk Solutions to rectify the inaccuracies promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A so called loan company ( XXXX ) contacted me and went in my account and reverse payment on old bill. They did that, to make it look like the loan was in there, they called back the next day and ask me to wire the money after I started to pay bills with it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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 filed a dispute on Equifax about XXXX XXXX which is a loan for a car it wasnt showing the correct amount and they just deleted it from my credit which made my credit score drop. It needs to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: TX

Complaint narrative:
I had a prepaid card that had about {$100.00} left on it. On XX/XX/2023 someone was able to steal my card number, log in to the account, and change all of the personal information. They then made a purchase of about {$100.00}, clearing out the card. I called immediately after discovering this on the same day, XX/XX/2023. I was instructed to fax a copy of my ID, front and back of the prepaid card, and other personal information in order to get the card back under my name and that I couldn't dispute the fraudulent charge until the card was back under my name. I was told that it was take 3 business days to process the faxed information and to call back once 3 business days had passed. On XX/XX/2023 I called back and was informed that there was an issue with the faxed documents and to refax them. The issue they told me was that the faxed images came in 'mirror imaged. ' On XX/XX/2023 I spoke with a supervisor who said he could see the images, that they were NOT mirror imaged, and made a claim ticket to have the documents rechecked. That supervisor gave me a ticket number and told me to call back periodically to check in on the claim. I called back on XX/XX/2023 to check in, I was hung up on by the first supervisor. The second supervisor straight up lied about the issue. First she said that the problem with the faxed documents were in black and white. It's a fax, it can ONLY be in black and white, I'm not sure why she tried to claim that. Then she tried to say the images were too 'cartoonish '. I have no idea what she even means by that. It's simply a black and white copy of everything I was asked to fax. Then, after asking to speak with literally anyone above her, she refused. She said her bosses do not talk to people on the phone. I was refused any kind of email or phone number to anyone I could talk to. I was only offered a XXXX XXXX XXXX. This whole thing is incredibly frustrating. I've been lied to, hung up on, and given the run around.

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 2023-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
The response I just read from your site states they are the wrong company. My mortgage was with XXXX and I need to be provided the correct website, then, to pay principal payments. 

I received a notice in the mail with no way to pay by check through the mail and they have deleted my online account with XXXX without legally informing me of a change of ownership in my mortgage loan. 

My actions are legal and are not going to change, period. This game of hiding the ball for who owns the loan is not mine to play and I will not. Stop defrauding my and wanting my home. You're not going to get it, period. It's mine and is going to stay mine.

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 2023-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I am XXXX years old. 

In XXXX, XXXX and XXXX, 2023, my Citicard was charged for services I did not order. The charges were XXXX a month from XXXX XXXX. 

I called Citicard to let them know I did not authorize these charges. Citibank temporarily removed the charges from my account pending their investigation. As Citicardwas taking so long to investigate, I called them a second time and told them the charges were a result of fraud. 

The latest bill from Citicard added the XXXX XXXX charges back to my card because they verified the charges. I have no idea how they got in touch with XXXX XXXX because there was no way for me to contact XXXX XXXX. 

I will be cancelling my Citicard, but in the meantime, I have paid Citicard {$200.00} for fraudulent charges. I will not do business with Citibank again, but I doubt the bank cares.

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 2023-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Multiple UNAUTHORIZED INQUIRIES on my report that I do not Recognize

Company response to consumer: Closed with explanation