vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX  XXXX XXXX XXXX, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX FRAUD, PPLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.

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 2023-12-29 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
These transactions were deduxted from my account the day I did them and then when I got a direct deposit from work it was deducted again. The bank told me it was because it was just pending and now its being posted. So why was it deducted twice then? Transfers from my checking to savings, the same explanation. Thats a lie and I want people arrested. Now they say I overdrawn {$89.00} and for one, I cant overdraw, thats why its been denied for insufficient funds. Secondly, they are also old transactions. They are deducting from my account twice

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

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 2023-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: CT

Complaint narrative:
I applied for the XXXX XXXX forgiveness program 2 years ago. I provided ALL requested information to Mohela, on several occasions, and every time they got the information they asked for, they came back asking for something different. First it was detailed payment history mailed in XXXX, then it was Employment verification, mailed XXXX and XXXX. Then it was pay stubs, next W-2 information. I worked for XXXX XXXX, now XXXX from XX/XX/XXXX to XX/XX/XXXX- all of the paystubs and W-2 's were archived and unavailable. I was told to download the information from IRS.GOV website and mail that in XXXX of XXXX, once again I was advised that what was needed was a declaration from XXXX, formerly XXXX XXXX, I jumped through every single hoop Mohela asked and made me jump though, and now was just advised that I don't qualify based off of payment history. They have made me jump through incredibly significant hoops only to continue to come up with different reasoning for my application to be denied. It is never the same reason. My loan was transferred from XXXX XXXX to Mohela as I was eligible for XXXX and yet here I am once again being denied. Mohela is acting fraudulently, is impossible to get in touch with and out right preventing those eligible from receiving the forgiveness they are eligible for. I filed a formal complaint on the federal student loan site and it is STILL in review, I have included a screen shot of the XXXX closed XXXX applications as well as the status and case number for my complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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 2023-12-29 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
Navy Federal is denying a fraud claim that I submitted for fraud that occurred on my credit card ending in XXXX. Attached is the letter that I got in the mail letting me know that this {$9000.00} in fraud was actually " no billing error occurred ''. According to them I just did these purchases myself. 

The fraudster made away with {$9000.00} of my money and I'm on the hook for it now. There is no proof of any of this transaction being me. Someone is using my name, my identity, my email and phone number to make this purchase so that it looks like me. They might have fake ID or something in my name, they might have my social security number. I don't know to what extent I'm being taken, but I know this {$9000.00} was fraud, and Navy Fed is not resolving it in my favor. 

I want to see ALL of this proof that shows this transaction being me because it most definitively is not. Just the fact that the order was in my name or someone use my personal information doesn't make it me... seriously it's ridiculous. I need this money back, and if not I'm filing a lawsuit. 

This transaction was not me and can not be proven to be me. I've disputed it as fraud the way I am supposed to with them, but now they want me to pay the {$9000.00}? Absolutely not. Please help me and go after them for my money that was stolen. I will report this again and again and sue Navy Fed if need be for this money. I am not letting a fraudster take tens of thousands of dollars from me. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XXXX XX/XX/27 My Checking account was compromised for XXXX different transacctions in North Carolina , I live in Tennessee , but somehow i'm being held responsible for my personal loss, i've reached out to Truist Bank for weeks and they said there was nothing that they could do because the case was closed. Please help me with this because My Bank have turned their back on 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 explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
The Housing Assistance Fund for Covid agreed to pay through the designation duration and there have been no interruptions.

Rushmore Servicing bought the loan from Rushmore Management in XX/XX/XXXX, while HAF stated confirmed payments continued, Rushmore Servicing stated they have not received any payments forwarded from Rushmore Management to their operations.

Housing Assistance Fund confirmed dates, and the fact they were told in wriitng by

Rushmore Managment that the funds received were processed and will be forwarded to new servicer, thus Rushhmore Servicing. Rushmore Servicing has not followed up on this servicing crucial process and put the loan in jeapardy
because of it. So I called HAF explained the alarming situation and they responded with evidence of dates in hand, that the former servicer contacted them as stated above.

HAF last week investigated the payments and has issued the following dates of payments and stated directly to me that they were accepted and processed HAF associates ( XXXX and XXXX and XXXX ) furthermore that Rushmore Management sent them an email that the following payments will be forwarded to Rushmore Services ; XX/XX/XXXX processed XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX processed XX/XX/XXXX for XX/XX/XXXX, XX/XX/XXXX processed on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX processed on XX/XX/XXXX for XX/XX/XXXX payment. 

Also the last email I received from Rushmore Management ( attached ) shows on XX/XX/XXXX a payment for XX/XX/XXXX was processed. 
Meanwhile Rushmore Servicing seems to not follow up on this process and instead signals a letter for foreclosure for XX/XX/XXXX. 

According to Rushmore Management " Rushmore confirmed your authorization on the account, based on the Trust documentation provided, and your authorization was added to the account on XX/XX/XXXX. '' as I accepted the trust for the home several years ago I was authorized and the owner with Rushmore management. It should have transferred over as should have the government funds, that should be credited Their letter of transfer firmly stated ( enclosed ) that they will apply and credit as well as forward the former servicer payments if made after the transfer.

This company is not properly transferring service. They have put my home at risk at my age and refuse to communicate with the Housing Assistance Fund to secure payments that should be forwarded and credited. They are issuing a foreclosure procedure for XX/XX/XXXX stating they have had no payment since XX/XX/XXXX, see attached receipt email from former servicer. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$5000.00}

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I signed up for a southwest rapid rewards offer of XXXX points and 30 % off promotional code after spending XXXX in the first 3 months. After spending the amount in the first two months I expected my rewards to be posted. I was told they would take 6-8 weeks to post. 
I spent 6 months waiting for points to post that never did. On several calls to customer service I was told theyd show on my next statement. I did received XXXX points and was told that I was mistaken and that I had signed up for another offer. I did not appreciate how business done with CHASE southwest rapid rewards credit card. 
I am requesting FULL refund of my annual membership fee and CFPB awareness of FALSE advertising by CHASE XXXX rewards credit card offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: PA

Complaint narrative:
I am a XXXX who is working with Mohela toward XXXX. I should reach my XXXX payments in XX/XX/XXXX. 

In XX/XX/XXXX I reached out to Mohela about lowering my loan payment. It was around XXXX. 

They told me I could apply for the XXXX income repayment plan. I said ok but did t or have the information they needed to apply during that phone call. 

I checked my Mohela account shortly after that phone conversation and saw that my loans were out in deferment. I called and and requested to be out back in repayment because I knew that any time in deferment would not count. 

They processed that request. I did not enter repayment again until the last me or XXXX. 

Now XXXX and XXXX are listed as not qualified for XXXX. 

I provided the information needed to enter the XXXX program. I was told that XXXX would not count either now because it takes a month to process the request. I asked if I still made my payment if it would count and they said yes. 

I then saw on my account XXXX listed as not qualifying. When I called in again they told me that it didnt matter if I made my payment it wouldnt count. 

Every time I call I get put on hold for a long time and they receive different information. It seems as no one there really has accurate information. 

I checked my account and now it is also showing XXXX due for XXXX. I called again and they said my account just hasnt updated yet. I am fearful thats I have just lost out on XXXX, XXXX, XXXX and now XXXX counting towards my XXXX 

I have made a payment for all of those months and they should count toward my XXXX payments I believe they are not properly handling my account as well as giving me inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It 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 explanation
Consumer complaint received 2023-12-29 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX 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
Consumer complaint received 2023-12-29 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:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 


XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: GA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$9000.00} XXXX XXXX Balance : {$150.00} XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
As I was checking my credit report today I'm starting to see some credit cards opened in my name that I don't recall opening. Grant it these accounts were opened back in XXXX. XXXX cards I'm reporting as fraud were opened at Capital One. I've already disputed them through XXXX, I'm wanting to file a complaint as well on why this company didn't validate the person opening the account wasn't me. XXXX card ended in XXXX and the other ended in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: TX

Complaint narrative:
i was a victim of idetity theft starting in the year XXXX and has still occured to the present day until i put a fraud alert on my consumer report as of XX/XX/XXXX i also have a police report to verify my identity theft. 

the F.C.R.A ( 15 U.S.C. 1681s-2 ) STATES THAT FAIR AND ACCURATE CONSUMER INFORMATION MUST BE REPORTED SO ALL THESE UNAUTHORIZED ( HARD INQUIRIES ) SHALLL BE REMOVED DUE TO IDENTITY THEFT IF THE ( HARD INQUIRIES ) ARE NOT REMOVED THIS IS A DIRECT VIOLATION OF ( 15 U.S.C 1681n ) which holds the credit reporting agencies liable for complying with the F.C.R.A SO XXXX, EQUIFAX, XXXX ARE HELD LIABLE

Company response to consumer: Closed with explanation