vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: PA

Complaint narrative:
MOHELA is unable to answer phone calls or messages through their message center. I believe they may have broken a law regarding reinstatement of a law without my signature. I have asked several times if they got a judge to sign off on the reinstatement. Over the phone I was told that the law does not apply to student loans. 

I have reached out several times via messages and have gotten no response. Currently, I have two loans with MOHELA one is my true current loan and the other is leftover money that was generated and reinstated by their mistakes. 

Following a previous complaint we had agreed to backdate any payments I made on the first loan so that it would waive all interest. We have had some snags with that arrangement. First, it took over a month to iron out any details. Then, there was an issue with changing the date on it and it would charge me late fees and weird things. Lastly, a condition of this plan is that I have to call to have any payments backdated. I am allowed to call about several payments at a time, but my issue is that I do not trust the company to honor this forever. 

Their lack of responsiveness and my previous experience calling them, lead me to believe that if the 1 person at the company who was able to help me leaves I'll be back to square XXXX. For this reason, I no longer want to be held responsible for loan that their mistake generated. I feel like this company is incompetent and will not be able to provide adequate loan services to me in the future. I am fully willing to repay the full amount of my true current loan, as of XX/XX/23 {$20000.00}. 

Please help me deal with the situation. MOHELA is entirely unhelpful, and I need representation. If the CFPB is not able to provide me with this kind of support please tell me who would be able to provide it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BROKER SOLUTIONS, INC.
State: NC

Complaint narrative:
Good Morning : I had completed the loan process with New American Funding for a condo at 10 % down. The loan was approved and as such, I satisfied all pre-pays to include inspection, appraisal etc. As a result, I received a closing disclosure less than a week prior to the scheduled day. New American comes back on the day of scheduled closing ( XX/XX/28 ) and indicates they can not process the loan as previously approved and would need 25 % down. I am seeking actual damages as well as compensation for the loss off opportunity on this property. 

Mortgage rep : XXXX XXXX XXXX Underwriter : XXXX XXXX XXXX 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 2023-03-01 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-03-01 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX XXXX data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01 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: AR

Complaint narrative:
XXXX, EQUIFAX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXX XXXX XXXX  account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXX XXXX XXXX  account # XXXX ( {$1200.00} XXXX opened XX/XX/XXXX XXXX XXXX XXXX # XXXX, ( {$62.00} ) XXXX XXXX, Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX  XXXX, Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Paid off debt in total to XXXX XXXX XXXX  approximately 7 years ago. I never heard anything more from XXXX XXXX XXXX. 
Received a Form XXXX this year, indicating that the debt had been cancelled and that I had to claim as income on my taxes. 
Contacted them to correct this error. I have not received a reply by mail or phone and tax filing date is a month away.

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 2023-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am challenging an account ( XXXX XXXXXXXX XXXX ) that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Please see the attached documents and remove the account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened up this checking account on XX/XX/XXXX, for the bonus promotion. I deposited {$50000.00} 2 weeks later and held the deposit in there for over 60 days ( which was required to get the bonus ). I should have received a {$1000.00} bonus per the terms and conditions of the bonus but I have not received anything yet. Please credit my {$1000.00} bonus as the terms stated.

I contacted Citibank and they said that I did not have a W-9 on file. I submitted it again on XX/XX/XXXX through my Business banker XXXX XXXX. Today is XX/XX/XXXX and I still have not received it. Please credit me the {$1000.00} and please waive the next statement 's checking fee since I have a low balance ( due to the fact that the bonus should have been paid already ).

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 2023-03-01 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: EQUIFAX, INC.
State: NY

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. 

Account name : # XXXX XXXX XXXX, Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX XXXX, has violated my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Experian Information Solutions Inc.
State: NY

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. 

Account name : # XXXX XXXX XXXX  Account number : # XXXX XXXX  XXXX XXXX, Account name XXXX XXXX XXXX XXXX XXXXXXXX, Account number : # XXXX XXXX XXXX XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XX/XX/2022 XXXX ( XXXX XXXX, passport XXXX XXXX XXXX ) made a transfer of my own funds to my wife XXXX XXXX XXXX, passport XXXX XXXX XXXX ) from a bank XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) ) to the XXXX XXXX XXXX ( XXXX ). The money transfer went through XXXX XXXX XXXX ( XXXX ) and was blocked on the correspondent account of XXXX XXXX XXXX  ( XXXX ). Presumably due to sanctions against XXXX ( XXXX ). 

Ammount : XXXX USD ( XXXX EUR ) XXXX XXXX XXXX : XXXX Until now, I can not get my money, because XXXX XXXX did not transfer it and does not comment on the situation. I doubt the legitimacy of actions of XXXX XXXX, because : 1. Remitter and benificiary are not in XXXX list. Funds won't be available for any XXXX-party 2. Funds were received by XXXX XXXX XXXX on XX/XX/2022, but sanctions against XXXX were introduced on XX/XX/2022. Those the transfer could and should have been processed, but XXXX XXXX didn't. 

Attached are the transfer details and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CITIBANK, N.A.
State: MI

Complaint narrative:
So why use my identity? I am a fraud victim. I contacted the company they refuse to take it off my credit report I did not get information for no one to use my information I have contacted the credit report I have sent proof police reports. FTC report and they refuse to take that off my credit report and its messing up my credit. I pay all my bills on time but I will not pay for something. I did not do XXXX data data breach at the time of the transaction was made, and I was one of the people, that was in the data breach I need help to get this off my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Grain Technology, Inc.
State: NY

Complaint narrative:
Grain technology has incorrect information on my XXXX report and failed to provide any update since XXXX XXXX. Im asking this account to be removed

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
In 2019 I took a {$500.00} loan from Moneylion app and paid a few payments before falling behind because of unemployment. They put the amount on my credit meaning they sold the loan to a debt collector but refuse to stop the membership payments until the loan was paid witch is fraud because they already had sold the debt and recouped the amount of the loan. For 4 years my bank account has been charged {$19.00} and they refuse to cut off payments even after I confronted them about their fraudulent actions.

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 2023-03-01 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: Freedom Mortgage Company
State: SC

Complaint narrative:
In XXXX of XXXX, XXXX XXXX and myself entered into a Covid Forbearance plan with Freedom Mortgage and remained in the covid forbearance plan until the home was sold in XX/XX/XXXX. After the home was sold, Freedom Mortgage reported 150+ day late payments to all of the Credit Reporting Agencies in error. I filed a dispute with Freedom Mortgage on XX/XX/XXXX to which they agreed that our loan was protected under the covid protections act at the time of payoff ( letter attached ). 

Freedom Mortgage removed the late payments under the monthly status ( credit report from XXXX confirming this attached ) but did not remove the " 5 '' code under the account status so the mortgage was still showing " 150-179 Days Past Due. '' On XX/XX/XXXX, I filed a dispute with the Credit Reporting Agencies to have the " 5 '' code removed. On XX/XX/XXXX, I spoke with a woman in the leadership department with Freedom Mortgage who stated that they will not remove that code, even though we were protected under the Covid Cares Act. After this phone conversation, Freedom Mortgage changed how to loan was reported to a " 6 '' code, now showing " 180+ Days Past Due '' and added " Collection Account '' under the account status ( dispute letter from XXXX attached ). 

I have letters from Freedom Mortgage stating that the loan was protected under the Covid Cares Act at the time of payoff, I have documentation from them stating that they will report the loan as current during the forbearance period, as well as copies of their website stating the same information. All late codes and collection account statuses should be removed from all Credit Reporting Agencies as agreed upon by Freedom Mortgage.

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 2023-03-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing in regards to the collection accounts listed on my credit report. I am deeply concerned about the impact these negative marks will have on my credit score and future financial opportunities.

Specifically, I would like to dispute the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection Account ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Collection Account XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Collection Account I understand that these accounts are listed as collections on my credit report. However, I dispute the validity of these debts and request that they be investigated under the Fair Credit Reporting Act ( FCRA ). 

I have not received any verification of these debts nor have I been provided with any documentation regarding their validity. As such, I request that you provide me with all relevant information pertaining to these accounts, including the name and contact information of the original creditor, the original amount owed, and any other pertinent information. 

I also request that these accounts be removed from my credit report until such time that they can be verified as legitimate debts. The FCRA requires that all information on my credit report be accurate and verifiable, and I expect that you will abide by these regulations. 

Thank you for your attention to this matter. I look forward to receiving a prompt response and resolution to this dispute. 

Sincerely, 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