vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KY

Complaint narrative:
I submitted to XXXX 3 occasions since XX/XX/XXXX and they stated DEPARTMENT OF EDUCATION WILL NOT GIVEN decision on approval of my payments under limited waiver from XXXX to XXXX despite approved as a non-profit organization ( MY LOANS WERE NOT CONSOLIDATED AT THIS TIME and I did not make full payments but tried ). 

I requested under limitd waiver these dates count from XXXX to XXXX as limited waiver CARES ACT approved attempted payments even if not consolidated. 

I made a complaint XX/XX/XXXX ( XXXX ID ) and was told DEPT OF EDUCATION has not decided since XX/XX/XXXX. TWO YEARS AGO!!!. 

I have requested MOHELA to contact DEPT of education regarding this as XXXX transferred my loan to Mohela. MOHELA will not respond and asks to call them. I requested responses in writing as chronic documentation as XXXX consistently did not honor verbal conversations. MOHELA has not processed any documents since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: PA

Complaint narrative:
I informed the credit bureaus that the address on the account was not mine and keep reappearing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase let XXXX washed checks get cashed. All of the checks were clearly shown as chemically altered and now they are telling me it will take XXXX to a year to receive my money back. the total for the checks was XXXX}. No one at chase will help with any resolution. Not in the branch, online or phone. All they can say is I don't know what to tell you. Well, I did not let the checks get cashed and I do not see how this is my responsibility. If I owed chase a penny they would find a way to take it from me. This is classic big business doing the little guy wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I changed my legal name earlier this year. My legal name is " XXXX ''. I do not have a last name. My court order ; Driver 's License ; and Social Security XXXX card all accurately reflect that my only name is " XXXX ''. 

I sent a letter to TransUnion to indicate that my name has changed, and provide them copies of the documents listed above. Having previously worked as a XXXX XXXX, I am very familiar with database requirements ; while it is perfectly legal for a person to have only one name, nearly all systems in the United States assume that people have both a first and a last name, and mart both of those fields as required. I submitted a cover letter listing several options for TransUnion to enter in place of a last name to satisfy their database requirement. Examples include : " XXXX - '', " XXXX XXXX '' ( 'no last name ' ), " XXXX XXXX '' ( 'no first name ' ), etc. 

I received a letter in the mail today indicating that they made a change to my account, and now listed my name as " XXXX XXXX ''. That does NOT match any legal document that I own, and was NOT listed as an acceptable work-around. 

I called the customer support phone number for TransUnion and was escalated twice to a representative able to answer my question. They informed me that they were UNWILLING to correct this issue ; because " XXXX '' is the only name written on the court order, that was the only name they would enter. But because their system requires both a first and a last name, they entered it in both fields. When I asked why they were willing to deviate from the name listed on my court order, " XXXX '', by entering the name " XXXX XXXX '' instead, but were NOT willing to enter the name " XXXX XXXX '' instead, the only answer I was given was " this is how we're going to report it and we're not changing 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 2022-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: CA

Complaint narrative:
Purchased new build in XX/XX/XXXX Property taxes were overestimated as they were currently reflecting low tax amount for vacant land ( uploading Monsoon Sheet for your review - shows low tax amounts for XXXX as {$2.00} : XXXX as {$200.00} ; and XXXX with new home as {$1600.00} ) In XX/XX/XXXX, XXXX XXXX assessed the land and the taxes reflected the home ( not just vacant land ) I asked for an escrow analysis as I knew there was an overage in the escrow account The loan servicer agreed, noted the overage, issued the refund check However, the escrow analysis showed the property tax estimate for XXXX to be {$10000.00} the ACTUAL taxes are {$1600.00}. 
This would INCREASE my monthly payment by about {$400.00} which is incorrect I called customer service and the servicers tax department on XX/XX/XXXX. I spoke with both XXXX and XXXX. XXXX let me know they had access to the current actual tax bill and was not sure why the estimate was over 5 times the actual tax amount I was told that they would adjust that to the correct and accurate amount by my next billing on XX/XX/XXXX That correction was not made. 
I called again, XX/XX/XXXX and spoke with XXXX, XXXX and the escalation team ( XXXX ) The result was I was told that the issue would be resolved I asked for this to be done before the XXXX payment is due as the payment should be LESS than it was before the escrow analysis that showed an Overage. 
as of XX/XX/XXXX, this correction has yet to be made. 
I have attached the XXXX tax sheet that shows the last few years tax amounts so you can see they currently reflect the new home as well as the escrow analysis ( see page XXXX for the XXXX estimated taxes in the amount of {$10000.00} ) And the current property tax bill of {$1600.00} I have also included a copy of the current mortgage bill that shows my estimated payment for XXXX to be {$2400.00} as opposed ot the current amount of {$2000.00} The XXXX servicing departments, on both calls, confirmed that they already had the current tax bill in hand and did not need me to send a copy. 
I expect that this gets resolved ASAP as they can not charge XXXX times the actual tax amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
I.C. SYSTEM.INC I looked at my account and i realized this didnt believe to me. so i called and write them, no response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: General Motors Financial Company, Inc.
State: WI

Complaint narrative:
I have contacted GM financial several times. I was never notified that this vehicle was in debt. I was the co-signer on this truck. Not the original owner. I never was notified by mail or phone that the truck was repossessed and that there was a vest on this. Until I seen it on my credit report. This debt is over XXXX years old. Its almost XXXX years old. It is still showing on my credit report. I would like to have it removed. The truck was sold at auction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I got a call and they said in XXXX I took out a {$650.00} loan, with " Easy Money '' a payday lender and when they went to collect for it my bank denied the payment. I requested more information, like the date the loan was taken out, and when the payment was denied. I asked for their address they refused. I also asked to get a copy the contract and disclosures they refused. It was a check apparently they blindly sent in the mail, I assume. I always tear up those come-ons. Then said they were trying settle the debt but now is {$900.00} and if they take me small claims court it will grow to {$1500.00}. I again asked for proof that I actually owed money, because I have NO knowledge of taking out the loan they described. If I had I would have paid it back. I also have check guarantee, so I would have thought if they had actually tried to collect it would have honored. Also, it is strange that they would not know that in XXXX there is a time limitation on collecting a debt of XXXX years and they said the loan and failure to pay was in XXXX, XXXX plus years past the date to collect a bad debt ( except for a couple of exceptions ). I contacted the XXXX Police after the call and they said sounded like a scam, but they could not do anything. I then called my bank to get a list of any {$650.00} deposits and/or returned unpaid payments from checking account but they could only go back to XX/XX/2015, XXXX years. They found nothing. The customer service person at my bank also thought it sound like a scam. 

1. I am XXXX years, old but have all my wits about. If would have paid a debt if I owed it, but I don't believe I do. 
2. I then pulled my credit report all three bureaus and found no such account. I have XXXX FICO on all three reporting agencies. 
3. I firmly believe this is fraudulent request for money. About XXXX years ago, I got a call from XXXX Bank, which I had a card at that time, They asked if I was applying for another credit card and I said no. They told me someone was trying to get a credit card with them under my name but with a different address than mine. So, I am wary identity theft. In that case I reported it to XXXX XXXX Police report and they took my statement. Obviously, my SSN number is out there and other information is pretty easy to get on the internet. 

When they call a XXXX XXXX, left a message, and they gave to XXXX XXXX, who turn out to be the original person I spoke originally a XXXX XXXX XXXX. Apparently their was not XXXX XXXX. Who again refused to provide any proof of the debt. He said they sent out statements numerous time, which I never got. They used several different phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: MS

Complaint narrative:
I contacted Transunion to have fraudulent inquiries removed from my credit report after filing a report with the FTC. They keep telling me that they have not received any of my information tho it has been sent more then once. I need this fraudulent activity removed from my report at 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 non-monetary relief
Consumer complaint received 2022-12-13 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: World Acceptance Corporation
State: GA

Complaint narrative:
Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes. 

I have reached via letter several times to rectify these issues, but have not received any valid updates.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Had applied for an auto loan with Auto lenders who submited the loan application to Wells Fargo whom I have my mortage with and banking. They turned me down for this reason. One or more credit accounts are in forebearance or deferment. That was my mortage back during covid which when I signed it was told it would not have any effect on my ability to borrow money. Its been long over with haven't missed any payments at all. The forbearance is long over with. After I complained they sent me a new reason I ( I have both in writing ) The new reason was incomplete credit application. Not so thwe other banks appoved me with same application. I was then used as a game stating Wells turned you dow so I went with higher then I should have rate.

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 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase closed my checking account and refused to refund the funds in it to me. They asked me to validate a few checks, but the way it was done was logically impossible. chase required the person who wrote the checks to bring their id with me to a chase branch to validate them. But these checks were from the sale of my XXXX XXXX We only have a transactional relationship, they are not my friends or family, so why would they agree to go to the branch with me? And I can confirm that none of these checks were disputed by the person who wrote them, so what is wrong with these checks?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CO

Complaint narrative:
Cashapp gave XXXX and XXXX on XX/XX/XXXX I don't know that company neither did I make no purchase with them they just gave my money away I asked them for the phone number to that company they gave m XXXX a bogus # I told them you gave my money to a company that not a company. This isn't the first time they gave my money away. XXXX XXXX  don't know them either. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX want that back. They let company 's ask for my money n give it to them a few other company 's tried but my card was locked XXXX company yesterday. XXXX.my card was locked they tell me if a transaction wasn't completed they can't do nothing but I want to know them to know they letting company 's try to get my money and I never purchased r know them places and why it's hard for me to get my money I want all of my money. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I was the victim of a XXXX scam that stole XXXX  from my savings account. The scammers were posing as Bank of America notifying me that I had been a victim of fraud. It's important to note that the fraudulent charges they claimed were there did actually appear on my account. They then instructed me to XXXX money to myself ( this was the scam ) and that it would reappear in my account. 
A week later, I noticed the money was still missing, so I got in contact with Bank of America and was told to come into my nearest branch. I made an appointment for XX/XX/XXXX and this is when I was told that the initial call was fraudulent and was the actual scam. My local branch filed a fraud claim on my behalf, and I was notified today, XX/XX/XXXX, that they are unable to refund the money that was stolen from me. I'm unsure where to escalate this to next but would appreciate your help. 

Thank you

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 2022-12-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
please investigate inquiries from NFCU XX/XX/2022 and NFCU XX/XX/2022 & XXXX XX/XX/2022. if these are inproper accounts please remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I have a PayPal account under email name XXXX. 
PayPal permanently shuts down my account and freezes all the money in my account. However, this account was used solely to accept money from friends. I usually pre-pay party-related expenses and my friends use PayPal to transfer money to me so I can pay credit card bill. 
After PayPal freezes my account, I don't have enough money to pay my credit card bill, and causes lots of inconvenience to my life. 
I want PayPal to resume my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 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: VA

Complaint narrative:
I got a copy of my Experian credit report, and I noticed some late payments posted on my credit report : XXXX XXXX Your company is in clear violation of the law. Under 15 USC 16816 - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly States : ( 2 ) EXCLUSIONS -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the 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 2022-12-13 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: PA

Complaint narrative:
I informed the credit bureaus that the address on the account was not mine and keep reappearing.

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 2022-12-13 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: PA

Complaint narrative:
I informed the credit bureaus that the address on the account was not mine and keep reappearing.

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 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have sent numerous requests to XXXX, Equifax, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : XXXXXXXX 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 XXXXXXXX Equifax is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax is XXXX the XXXX names of : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have sent numerous requests to Experian, XXXX, and XXXX for them to update my credit reports from the incorrect addresses and names that re reporting on my credit. They keep ignoring my requests and letters so I am formally filing a dispute for it to be deleted immediately. 

XXXX is reporting the incorrect names of : XXXX XXXX XXXX, XXXX, XXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian is reporting the incorrect addresses of : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is reporting the incorrect addresses of : XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting the incorrect names of : 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