vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-06 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: MA

Complaint narrative:
I am trying to pay my loan faster than the minimum required as a way to pay less interest over the life of the loan. Rather than applying my payments over and beyond the minimum due to principal, Mohela has applied multiple of my payments to cover the next month 's payments ( including interest ). This negates the benefit of paying additional money for the purpose of lowering the principal and thus interest. Despite multiple calls, online requests, and emails, they keep applying payments to future month 's rather than reducing the overall principal as a means to reduce overall interest accrued on the loan. 

Additionally, Mohela put my account into a forbearance status WITHOUT my requesting to do so. On XX/XX/27 when they were supposed to withdraw {$210.00} from my account per my monthly withdrawal schedule, they instead put my account into forbearance AND continue to charge daily interest on the account. This is costing me additional money as not only would they not accept my scheduled monthly payment to lower the principal balance and overall interest, they are now charging me MORE interest on a higher principal balance since they wouldn't accept my monthly payment. When I called Mohela about this, the representative advised this has been a common system error with Monhela and that many accounts have been put into forbearance by this error. He advised interest would continue to accrue and there was nothing he could do to stop that. He then advised it would take Mohela several weeks to fix the error and restart my monthly payments ( all the while, my loan balance increases due to continuing accrued interest ). I then attempted to make a {$100.00} payment on my loan balances, but they once again applied that to a next month 's payment -including interest. 

I'm requesting they start collecting my monthly payments ( including additional principal payments ) and take my account out of this unrequested forbearance. Additionally, since the forbearance was caused by their error, I want them refund any interest that accrues on my account during this time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: TN

Complaint narrative:
please get in touch with PayPal as they are trying to collect the {$350.00} already closed in my favor. The {$350.00} resulted from an unauthorized transaction and they are taking my money {$100.00} and net the {$350.00} resulted in a negative {$240.00} on my Paypal. 

Case details Case ID : XXXX Disputed amount : {$350.00} USD Receiver info : XXXX XXXX XXXX XXXX reported : XX/XX/2023 Case status : Closed The case was closed in your favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I received an email on XX/XX/XXXX, thanking me for my credit card application, then an another email requesting additional information. I received an alert from XXXX and called number on alert and the question that ask was what was my SSN #, I refused and they stated thats the only way to locate loan information. I called XXXX XXXX and place a freeze on my accounts. XXXX was unable to remove the inquiry unless I get a letter from JPMCB. And told to file a report with you. 

I would like JPMCB to be notified of this fraud and a mail me a letter stating such so I can have inquiries removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
I'm genuinely troubled by the presence of public records on my credit report that don't belong to me. This issue is causing me immense distress. I earnestly request that you address and correct this situation as soon as possible.

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 2023-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TOWNE MORTGAGE COMPANY
State: NC

Complaint narrative:
I have called couple of times explaining to the mortgage company of transitioning jobs that I am financialong struggling, they did not help whatsoever, and did not give me options, I applied for a payment XX/XX/XXXX and on my bank end it went through, but they did marked it as a late payment. I asked for a name change and change of date to pay mortgage and still have gotten no response. This mortgage company is terrible, and I hope to switch out in the future when the rates become steady. Useless customer service, they don't have any option to help besides telling you to figure it out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have a physical Gift Card. I tried to make a purchase through XXXX. XXXX told me that my items shipped but a backup method was used. XXXX explained that American Express declined the transaction. I called American Express and they said that the card does not work with certain merchants. XXXX has never had issues with american express as far as payments. When I XXXX  this particular problem, this has happened to other people where the physical gift card does not seem to work when purchasing online, but it only seems to work at physical locations ( in-person ), which is a major inconvenience. So now, this has inconvenienced me financially, because XXXX had to use a backup method of payment I had no intention of using. This is totally on American Express, and more complex and annoying than it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In regards to three accounts on the credit report,1. NETCREDIT, 2. XXXX 3. XXXX XXXX, In accordance with the fair credit reporting act, this creditor has violated my rights, under 15USC 1681 section 602 - states I have a right to privacy.

Under 15USC Section 81 Section 604A section 2, It states that a consumer reporting agency can not reporting agency can not furnish a account without my written consent.

Under 15USC Section 1666B A creditor may not treat a payment on a credit card under an open consumer account as late under any circumstances Thanks and best regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. XXXX XXXX , XXXX XXXX XXXXXXXX , XXXX. XXXX, XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Block, Inc.
State: FL

Complaint narrative:
cash app holds my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ) XXXX XXXX ( Separated Spouse ) XXXX ) XXXX / XXXX XXXX ) Back in XX/XX/2021, there were 2 unauthorized wire transactions that was taken from my savings account. When I reported it to my bank ( XXXX ) as a fraudulent transaction they notified Capital One which is her bank that the money was sent to without my approval, and they proceeded to freeze her Capital One account. By doing so, XXXX was unable to withdraw the funds or utilize the funds which is good because it was fraudulently withdrawn from my XXXX account. My bank has reached out multiple times to Capital One to reallocate the funds back into my account but Capital One is being extremely difficult and from what it seems have took it upon themselves to close out her account and not return my money back to XXXX the original account. The grand total she took from me was {$18000.00} dollars. I truly need help with this ordeal please. I have a paper trail of information to support my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: TX

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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-11-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
There is an individual using my social security number to open credit card account and other lines of credits in TJX type of stores and also people changing my home address in my social security. I have notified the credit bureaus, but they have not done their part on freezing my 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 2023-11-06 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: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I will be eventually mobing my funds from Regions Bank after an attempted emptying of my bank account. I will have to go through the prolonged dispute process again and can only hope the infractionary account is suspended. I have done my best to protect myself, but when people have access to your debit card they will just use it to no avail. I am hoping the process is quicker this time and I can move my remaining funds over to XXXX XXXX. I am unfortunately on probation and the FBI tracks all of my online activity as one of the conditions. I would hope a temporary credit followed by a permanent in due order is expedient to rectify the situation.

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 2023-11-06 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX  I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX {$18000.00} XXXX XXXX XXXX XXXXXXXX {$5800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: GA

Complaint narrative:
Loan was purchased following the bankruptcy of US Auto. The new company West Lake is not acknowledging the warranty, nor GAP coverage included in the loan. Thus, all payments for service to vehicle is now out of pocket cost.

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 2023-11-06 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: GA

Complaint narrative:
I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: IL

Complaint narrative:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. 

PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.

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 2023-11-06 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: GA

Complaint narrative:
I am writing to file a complaint to TRANSUNION regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and my social security number is XXXX. The FTC report numbers associated with this complaint are XXXX and XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries and accounts on my credit file that has no permissible or authorization made by my person of free will. 
As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and 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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically

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 2023-11-06 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: FL

Complaint narrative:
I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have called XXXX since XXXX for an update on my account. I was finally told the account had a XXXX owed after i was told for three months of it reporting as missed payments with a XXXX balance on all three agencies. I went to the branch and paid the single XXXX and it is still reporting as a missed payment with a XXXX balance on all thre agencies. This has taken my score down gerastically

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 2023-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Investment Retrievers, Inc.
State: GA

Complaint narrative:
I spoke to a supervisor XXXX XXXX for investment retrievers XXXX about a previous call to settle debt but decided they wouldn't honor the credit removal, that the rep said I would receive. He said he clearly heard the rep say that they would remove off my credit after payment and they aren't willing to honor why they previously said yes to. I spoke to XXXX on XX/XX/2023 at XXXX XXXX EST. 

They keep making inquiries on my report as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06 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: PA

Complaint narrative:
This is my 4th letter sent out to the credit bureau and reporting to XXXX on the misuse of Equifax 's reporting system on credit report. There are multiple unauthorized inquiries on my report and an excessive amount of inquiries from Equifax. There are more than 12 excessive entries into my account without my consent from XXXX present. This is a violations to my rights and an unethical practice and liberty taken against my rights. Its proven how hard inquiries impacts the status of an consumers report. They have not remove anything from my disputed, all accounts were updated and sent ack without any correction in these matters. There are also deleted accounts from other bureaus that are still posting on Equifax. There is also inaccurate name information, employment history, and three accounts that are reporting open when they have been sent to me in a re-investigation as closed or in collections. 
This has brought on much stress due to the lack of concern of how this is impacting daily life. This is too mush and it needs to stop.

Company response to consumer: Closed with explanation