vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2024, I was XXXX {$200.00} from someone I know personally. The XXXX  payment was done in front of me, and consensually as well. After this, I came to find out that this individual went ahead and called his bank and reported the XXXX payment as fraud due to this my entire bank account was frozen. In fact, this payment was not done fraudulently, and I have also tried to talk to my bank about this. The bank has been very unhelpful. I even tried to tell them, I do not need the XXXX take it back, but please just unfreeze my bank account. My paycheck from work was deposited into the bank account, which is frozen. I have no access to any funds, and i am very helpless. I am not able to buy food or pay my bills. If my account is not unfrozen, I am also running the risk of being homeless as i will not be able to pay rent or be able to go to my job. Chase bank has not been helpful or given any information to me at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: IA

Complaint narrative:
On XX/XX/XXXX I enrolled in a payment assistance plan with apple in which my account was to be brought current after XXXX payments of XXXX. 
On XX/XX/XXXX Apple withdrew the first XXXX payments of XXXX. This was due Apple 's error in scheduling the payments, where they withdrew XXXX at a time instead of XXXX. 
On XXXX I inquired as to why the payment was duplicated as it was only supposed to be XXXX payment. I was told they couldnt be reversed even though it was a mistake and it was applied to my account. 
On XX/XX/XXXX I made the third payment. 
On XX/XX/XXXX I contacted apple via chat and spoke with XXXX XXXX and she stated that my account was current, no additonal payment was due, and the past due balance would be brought current the following month ( as agreed in the payment plan ) On XX/XX/XXXX I chatted with XXXX on the apple app about why the past due balance hadn't been adjusted. She originally stated that it was still showing past due. Then, upon reviewing the account, she stated that the flag to bring it current would be removed the next month and I should continue making my payments according to the payment plan. 
On XX/XX/XXXX I spoke with XXXX XXXX who stated that the account was not current. He stated that the XXXX payment was missed and the account could not be brought current. He refused to review the history where XXXX agents stated that the account was current. He refused repeatedly to transfer me to a supervisor and stated that he was the only person that could assist on my account. He further stated that the only way to bring the account current was to pay the full balance of XXXX instead of the XXXX that is due per the payment plan or even the XXXX which is what the past due balance is that is listed on the account. He was retaliatory and tried to bring the whole balance due even though I have complied with the payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of XXXX XXXX XXXX leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2024-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) # XXXX, XXXX, XXXX, XXXX, XXXX ( all approved for discharge ) To whom it may concern ; I am writing to you to file a complaint against Mohela. On XX/XX/XXXX, I received approval for dismissal of all my XXXX XXXX XXXX under XXXX XXXX XXXXXXXX Settlement. My student loan repayment was placed in forbearance until XX/XX/XXXX. After receiving the approval for dismissal letters. I contacted XXXX  XXXX and was told it could take approximately one year for these to be removed and off my credit report. 
On XX/XX/XXXX, I received an email from Mohela. This email referenced student loan payments would resume starting XX/XX/XXXX. I contacted this server and informed them that my loans should be under forbearance due to the above XXXX XXXX XXXX. 
On XX/XX/XXXX, they returned my account back to forbearance status. I had also spoken with XXXX XXXXXXXX and was told to submit a complaint, which I did ( complaint # XXXX ). The feedback I received stated that I was correct my student loans are in forbearance until XX/XX/XXXX, until the lawsuit is resolved. 
On XX/XX/XXXX, Mohela removed my forbearance again. They sent me an email on XX/XX/XXXX, stating that I missed a payment of {$1700.00}. At this time, I contacted this server again to complain and to find out why my forbearance keeps getting removed. I was told XXXX removed the forbearance and to contact them. I spoke with several people from XXXX and was told Mohela is the reason the forbearance is removed. XXXX said on their end my loans should still be in forbearance. My loans were approved and awaiting Mohela to discharge them. 
After going back and forth with both servers Mohela finally decided to place my loans on XX/XX/XXXX, XXXX XXXX until XX/XX/XXXX. Mohela, is nonresponsive, not knowledgeable and tends to shift the blame, trying to charge students even though they are well aware of the circumstances. On XX/XX/XXXX, I spoke with XXXX and was told to contact Mohela regarding the dismissal of my approved applications above. I see why they are being sued. I have sought after the attorney at XXXX XXXX XXXX to retain their services against Mohela. 
I am requesting someone to look into XXXX shady practices!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: OH

Complaint narrative:
I received a letter from American Coradius International LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stating I owe {$30.00} to a Creditor which is XXXX XXXX XXXX 

I contacted Collector at XXXX and explained to them that this is fraud and I already have all XXXX credit bureaus frozen. I have been dealing with Fraud for last 7 years on a regular basis. I never dealt with XXXX XXXX. This is not my account or charges, this is Fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2024-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp.
State: PA

Complaint narrative:
sent {$2500.00} with transfer fee {$25.00} on XX/XX/2024 at XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX PA ) thru SIGUE and never received the money. Tried both calling and emailing the company multiple times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I haven't lived in XXXX since XXXX. I have permanently lived in XXXX since XXXX. 

Try to collect for an application fee. 

National Credit System for XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: IQOR US INC
State: MS

Complaint narrative:
Upon checking my credit report I noticed that Allied Interstate is reporting a collection to my XXXX XXXX consumer report that I have no knowledge of. 15 USC 1692c ( c ) clearly states : If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except to advise the consumer that the debt collectors further efforts are being terminated ;

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is not belong to me. It is fraud! This is causing me a lot of stress and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it My brother pass away XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my 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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX payment in full XXXX XX/XX/XXXX talk to them about remove it XXXX XX/XX/XXXX call about remove it XX/XX/XXXX call about remove it XXXX XX/XX/XXXX call about remove it My brother pass away XXXX years ago he had a XXXX XXXX the car was total lost since I was a co-signer on the car I call them I pay in full I was told that they was going to remove the car from credit after I pay it off, well I pay the car off now its been 5 months they havent remove the car from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am requesting that it will be removed from my credit report 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 explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-12 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: OH

Complaint narrative:
On XX/XX/2024 XXXX XXXX consumer information to Experian, XXXX, and XXXX. The law states it is illegal for financial institutions to report consumer account details and other nonpublic consumer information to nonaffiliated third parties. Institutions must develop and give notice of their privacy policies to their own customers and before disclosing any consumer 's personal financial information to an unaffiliated third party, and must give notice and an opportunity for that consumer to " opt out '' from such disclosure per 15 U.S.C. 6801. I am opting out of any and all authorizations per 15 U.S. Code 6802 and per 16 CFR 313.1

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 2024-04-12 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: WA

Complaint narrative:
These inquiries were not initiated by me, and I believe they are identity theft. I urge you to do a thorough investigation and remove them from my credit report. I have submitted supporting documents to validate my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: MD

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: BANKERS HEALTHCARE GROUP LLC
State: MD

Complaint narrative:
I took an original loan to consolidate bills out in XXXX for XXXX. I was originally told that it would be for 5 years and in XXXX I was notified by phone by XXXX XXXX and asked to refinance the loan and encouraged to take out more money and even get a credit card through them ... .I told them no several times that I just wanted to pay it off ... they kept at me and said while my payment would go up to pay off the extra amount the time frame that the loan existed would not be extended. 
I was called several times by another individual regarding a credit card which I turned down repeatedly ... .I did " refinance '' and took them up with the understanding of not increasing the time of my loan and am now finding out that this refining and additional XXXX extended the loan for 96 months ... and inaddition to that ... .I am paying out XXXX ... .this is not anything I was told or expected or understood when I spoke to then in XXXX... XXXX was expecting to pay this loan off this month ... .they are now sending me stuff that I do not recall signing with 96 months ... .the person I spoke with is no longer with the company... .I never would have agreed to 96 months or longer time frame and am devasted ... .they sent me stuff as an addendum and my original loan was signed according to the on XX/XX/XXXX ... .I called and spoke with them ... XXXX XXXX XXXX ... .when I thought the loan should be completed per what the refinancing negotiations were when I was contacted by BHG again in XX/XX/XXXX... XXXX years after I was into paying on my loan and able pay it off or higher amounts per the full contract! 
What they sent over to me was not full contracts ... XXXXthey also sent over a payment listing today that I never received until today because I would have NEVER agreed to this per the terms that were explained!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2024 I used an ATM owned by XXXX XXXX XXXX XXXX XXXX location to withdrawal money. On my last withdrawal transaction, the ATM machine did not dispense the {$400.00} I requested but still withdrew it from my account. XXXX has been called and the dispute has been escalated. Chime Mobile Banking also has denied my dispute and when I asked them for the specific documentation used to make the decision to deny my dispute, they would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Some one stole my identity and added their name to my USAA account I informed USAA on the XXXX XXXX XXXX that an individual by the name of XXXX XXXX had stolen my identify and added his/ her name to my USAA account and USAA has failed to remove the fradulent name and activitys off of my account as of XXXX XX/XX/2024 I ask that you assist me in having the individual removed from my account asap because its obvious that the unknown person has stolen my identity

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX called from this number ( XXXX ) XXXX telling me they are suing me for a debt they acquired from Citibank. The debt is very old and was discharged in bankruptcy over 10 years ago

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I submitted Account Disputes to Experian on XX/XX/XXXX disputing their report of my XXXX loans. They are double reporting all of my loans, resulting in a report of double the debt that I actually have. XXXX transferred my XXXX loans to XXXX in XXXX and Experian is reporting that I have XXXX loan debt with both XXXX and XXXX. They should only be reporting my XXXX XXXX  loan debt as the debt was transferred from XXXX. Experian claimed that their information was correct and continues to report that I have loan debt with both XXXX and XXXX as of XX/XX/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 explanation