vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
These accounts show late payments, that is incorrect information that I need to review. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I sent Wells Fargo an acceptable payment according to their credit card agreement. I sent an irregular, conditional, partial restrictive language, paid in full payment according to their card agreement. I mailed the letter with instructions how to apply the credit. I was told by the Executive Team of Wells Fargo that it was a debt scheme. I also recorded the call. They refuse to honor their credit card agreements. I let their agent " XXXX '' know this wording is in every credit card agreement in the United States so that means this is law. She said the only form of payment they will accept is from a XXXXXXXX XXXX. I asked for the Arbitration address to send to them, she provided. I advised her she needs to consult with legal, she refused. Not only have Wells Fargo violated their credit card agreement, but they've violated their prospectus to the SEC.

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 2024-01-26 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
XX/XX/year> - Bought tickets through XXXX XXXX and messaged XXXX XXXX that I was interested in buying tickets and got scammed {$400.00}, this was 2 separate payments of {$200.00} through XXXX with the same person named XXXX XXXX. 
XX/XX/scrub>XXXX XXXX XXXX - I called Navy Federal Credit Union to report this scam and talked to a lady who asked if this was because of good and services that was not received and I said yes. She immediately said we can't do anything about it. I was devastated during this time so I did not have anything to say as I was not aware how to handle this situation because this is my first time getting scammed. 
XX/XX/scrub>XXXX XXXX XXXX - I requested money back from the recipient of {$400.00} through XXXX and they declined it at XXXX XXXX 
XX/XX/scrub>XXXX XXXX XXXX XXXX I filed a complaint through Federal Trade Commission to support this situation for when I called Navy Federal Credit Union again. 
XX/XX/scrub>XXXX XXXX XXXX  - I filed a complaint through Federal Bureau of Investigation to ramp up the gravity of the traumatizing situation I'm in. 
XX/XX/year> XXXX PST - I emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of this university and so does the scammer and the private XXXX XXXX where she had posted the tickets to scam people is connected through the university. 
XX/XX/scrub>XXXX XXXX XXXX  - I called Navy Federal Credit Union Fraud Department once again to report this fraudulent charge and asked if I can file a claim, the guy said that I can't dispute this because this is through XXXX and explaining that it's just like cash repeatedly. I mentioned that I already filed a complaint through FTC, FBI and Local Police and I was trying to see if Navy Federal can help with this situation and he repeatedly said no and apologizing that he can't do anything. I asked for someone else to help me with this situation and he did not transfer me and said that can he can help me all day long but this is the right department. I mentioned that this is technically a type of fraud and he said " no, fraud is when you're sleeping and someone had done something to your account. It's dishonest, but not fraud. '' I think that is unprofessional and not helpful at all because I have never been scammed money before and I have a clean record of my bank history and to not even be offered any help to resolve this traumatizing situation and help with reimbursing options is unreasonable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: WI

Complaint narrative:
Mohela is my student loan servicer. On XX/XX/year> I submitted an IDR app for the SAVE plan. Between XXXX I submitted PSLF apps XXXX All indicated they were processing. Also, at that time by account showed, correctly, my 11 student loans and their balances. 

On XX/XX/XXXX I received a letter in the mail that my IDR app was denied due to not receiving documentation with the application. It directed me to submit the documentation online. First of all, when I submitted the IDR app, my income tax was pulled from the government tax file and attached to the application -- as proof of my income. 

Second of all, when I went to go online to submit it, all of my account information is gone. No balances, no loans. Just the " smiley face '' that says " Your account is in good standing. '' And now all the documents submitted and referenced above ( except the denial ) are labeled as " Non-Mohela Brwr. '' When I log into Fed. Student Aid web page, again there is no information about my loans anymore. 

I understand that there is a time component to processing applications and documents. 
I understand there is a mass number of borrowers needing things processed right now. But is is difficult to even locate what that expected time frame might be. If they are experiencing such backlogs, why aren't they providing clearer information to let us know what is going on! 

I CAN NOT understand why there is no mechanism in place to let me know where it is in the process -- what is going on with my accounts. 

Why am I not receiving any communications? 

Based on what Fed. Student Aid and Mohela show when I am logged into my accounts on those pages, I have a {$0.00} balance. Why wouldn't I now assume that everything has been forgiven and I should alert the credit bureaus to remove the student loans from my account? 

Why did I not even get an auto-acknowledgement from Mohela when XXXX reached out for help and account information when logged into my account on their page? 

I tried calling Mohela, but hung up after two hours on hold without speaking to one person. And then, I only hung up because my phone battery died. How is that okay? 

All of this -- instead of helping me -- is holding me captive to Mohela and my student loans and keeping me from moving to other things in my life. ANY OTHER FINANCIAL institution would NEVER be able to treat customers they that us student loan borrowers are being treated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX refuses to provide me with ANY information on this account. I have NO access to the account! Can not pull up on the website because the primary borrower has the password! I do NOT! They lied about attempting to make verbal contact with me several times. This is a lie! The ONLY information I have received from them is via disputes! How am I expected to protect my credit without ANY information?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 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: EQUIFAX, INC.
State: NJ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase has all the notes in regards to my situation. I just wanted a full payment refund back to my chase checking account due to wrong information that was stated by chase. There has been numerous callas in which I wanted a refund but they saying we have put in the request. At one point they told me the request was approved. I called today checking on the status of the funds and they said I called saying I dont want the funds. I have called numerous times about the refund so why would I cancel it. I want my money back. This has been going on for weeks. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Subject : Dispute Regarding Alleged Unverifiable Debt and Violation of Permissible Purpose for Consumer Credit Report - Complaint Against transUnion I am writing to file a formal complaint against transUnion, regarding the furnishing of an alleged unverifiable debt reported by XXXX XXXX XXXXn my consumer credit report. Additionally, I am deeply concerned about a potential violation of my rights under the permissible purpose provision of the Fair Credit Reporting Act ( FCRA ) in relation to this matter. 

Despite multiple attempts to verify the accuracy and legitimacy of the debt in question with XXXXXXXX XXXXXXXX, I have been unable to obtain any verifiable information or documentation supporting its validity. It appears that transUnion has included this derogatory entry on my credit report without conducting a thorough investigation into its accuracy or verifying the information provided by XXXX XXXX. 

Furthermore, I believe that transUnion may have violated my rights under the FCRA by furnishing this alleged unverifiable debt without a valid permissible purpose. I have not authorized any entity or individual to access my credit information for the purpose of reporting unverifiable debts, and I strongly believe that such actions constitute a violation of my rights as a consumer. 

I request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to ensure that complies with the FCRA and rectifies any violations of consumer rights. Additionally, I request copies of any documentation related to this investigation and any actions taken by the Consumer Financial Protection Bureau in response to this complaint.

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 2024-01-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
American Express closed my account around XX/XX/XXXX. I have {$150.00} in my account I can prove where my funds came from down the exact time, pay and company. They are taking an extreme route and forcing me to dispute my charges transfers I made into my Amex HYSA. This hurts my relationship with my bank XXXX XXXX. I just want my {$150.00} dollars back, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I visited a XXXX  store and received a receipt of confirmation that all equipment has been returned and there is no outstanding debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 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: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX of this year, I purchased a laptop computer from Best Buy and utilized your credit card service for installment payments with zero interest charges. I made timely payments for the first two installments, as evidenced by the enclosed documents dated XX/XX/XXXX and XX/XX/year>. 
However, unknowingly, these payments were directed towards my old Best Buy account. 

Upon being informed of the mistake, I contacted Best Buy, and their representative attempted to transfer the payments to my current account, number ending XXXX Unfortunately, due to system limitations, they were unable to process the transfer and instead issued a refund check to me for the total amount of {$110.00}, dated XX/XX/year>. Subsequently, I promptly reissued the payment to the correct account on XX/XX/year>, in the same amount. 

I was explicitly assured by Best Buy representatives that this incident would not impact my credit rating due to the error being rectified. However, to my dismay, I observed my credit report drastically decline from XXXX to XXXX following the reporting of two delinquencies Best Buy Upon contacting Best Buy again, I was informed that they were unable to rectify the information provided to the credit reporting agencies, despite assurances of resolution within 40 days. The subsequent letter received on XX/XX/XXXX was equally disheartening, confirming the inability to amend the reported data. 

Enclosed are all necessary documents, including copies of the refund check, subsequent payment, and evidence of the initial timely payments, to support my appeal. This discrepancy has adversely affected my career prospects, impeding my ability to secure employment in an industry where I have accumulated over 30 years of experience. 

I urge you to help rectify this grave error promptly and restore my credit to its prior standing before this unfortunate incident. I implore for corrective action to be taken swiftly to alleviate the unjust ramifications on my credit rating, as I am striving to resolve this issue amicably without resorting to legal involvement.

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 2024-01-26 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: IN

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

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IA

Complaint narrative:
As provided in the prior response from Aspire/Iowa Student loan ( see below ) they provide various reasons and dates of payments on accounts in reference to statute of limitation. However, as you will see in the attached account statements for each account the information provided by Aspire/Iowa Student Loan is not factual as it relates to the last payment made/date on each of the loans in question. 

XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$2400.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$8000.00} ) XX/XX/XXXX Loan has a last payment date of XX/XX/XXXX ( had a balance of {$9900.00} ) As you can see, in comparison to the inaccurate information provided by Aspire in their XX/XX/XXXX statement- they are not practicing the " law '' that they reference in their response. They are purposely damaging my credit and putting me in arears with IRS. 


ISL STATEMENT XX/XX/XXXX Although XXXX XXXX states in her complaint that the three loans were of similar age and account status, the actions taken were in compliance with federal and state practices. The state of Iowa has a statute of limitations on a written contract of 10 years. The last payments that satisfied a minimum monthly payment for loan sequence 2 ( disbursed XX/XX/XXXX ) and loan sequence 3 ( disbursed XX/XX/XXXX ) were received on XX/XX/XXXX. The statute of limitations for these two loans expired in XXXX. The last payment that satisfied a minimum monthly payment for loan sequence 1 ( disbursed XX/XX/XXXX ) was made on XX/XX/XXXX, extending the statute of limitations for that loan into XXXX. In XXXX, loan sequences 2 and 3 were written off due to being out of statute. At that time, the IRS required a 1099-C be issued. The 1099-C was provided to both XXXX XXXX and the IRS. Before the statute of limitations expired for loan sequence 1 in XXXX, the defaulted loan was turned over to a law firm for collection. Loan sequence 1 was subsequently charged off on XX/XX/XXXX, as part of a settlement between XXXX XXXX, the law firm and the loan owner.

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 2024-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TRANS UNION IS REPORTING INCORRECT ACCOUNTS ON MY CREDIT FILE XXXX XXXX XXXX XXXX XXXX XXXX THESE ACCOUNT AND BALANCE DO NOT BELONG TO ME

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 2024-01-26 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: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VI

Complaint narrative:
I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.

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 2024-01-26 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief