vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
I have graduate student loans with MOHELA I recertified my IDR plan back at the end of XXXX. My payment amount went up from XXXX XXXX {$1200.00} in early XXXX. The department of education said that the IDR certification Deadline has been extended to XX/XX/XXXX, and if you recertified and your payment went up, it would be reverted back to the lower payment. I have been calling MOHELA roughly 2 times a month to try and have my payment reverted. Every time I call I get different information. Most recently on XX/XX/XXXX I called because I have a payment due tomorrow on the XXXX and my payment has still not been reverted. They claim that there is, never been a request placed for this And put in a new one. I requested documentation of this, but it will not arrive for about XXXX weeks. Previously on XX/XX/XXXX, I spoke to XXXX at MOHELA who assured me she put in a ticket to have my plan calculated and payment reversed.It has been XXXX months of trying to get my payment reverted. I have called Miss several times and requested documentation but many of those times were prior to the online platform change that occurred over the summer and nothing on my old account shows up. It is unclear to me why this is so difficult, and why will he seems to have no clue about instructions from the department of education. I have been in and out of forbearance because I did not want to pay the higher amount, but I am going to pay the higher amount because I am now concerned about it counting towards public service loan forgiveness. I was previously told that months and this recalculation forbearance would count but honestly, I do not think I trust Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Radius Global Solutions regarding a debt they claim I owe to XXXX in the amount of {$550.00}. I do not believe I owe this debt, as I had canceled my service with CenturyLink on XX/XX/XXXX, when I moved. Despite contacting XXXX multiple times to resolve this issue, they failed to provide any proof that the debt is valid. 

As of today, I have not received any validation of the debt from Radius Global Solutions, even though more than 30 days have passed since my initial dispute request. This lack of response is a violation of the Fair Debt Collection Practices Act ( FDCPA ), which requires validation within this timeframe. I am requesting that Radius Global Solutions cease all collection activities, stop reporting the debt to credit agencies, and remove the debt from my credit file. 

Please investigate this matter and ensure that appropriate action is taken to resolve this issue.

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 2024-10-15 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: MI

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-15 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: AZ

Complaint narrative:
On XX/XX/24 I sent Equifax, XXXX, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2024-10-15 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: SC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
I closed my account after incurring a hardship and set up a payment plan through a debt consolidation program. Both the App and Website didn't allow me to turn off the Auto Payment feature previously set up on the account. Tried working with their website customer service team and was transferred multiple times only to be told again that I needed to do it through the website. After multiple attempts to get someone to turn of the Auto Pay, they deducted another payment from my checking account. 

I finally got the auto pay feature turned off and was told that the XX/XX/XXXX payment would be returned to me via check. After three weeks, I never received the check. I called again and was transferred three times and got disconnected twice before another representative stated that they issued a stop payment and another check would be mailed to me. After another three weeks and multiple follow ups, I never received the second check that was supposedly mailed. I was then told that they would send the refund via ACH. After two weeks from that request, no funds were received by my bank and my bank stated that we were past the 60 day mark for them to request the funds back from Bank of America. 

I called back again and was told that no checks were ever sent nor was the ACH sent. I was lied to on every call by every customer service rep I talked to. Throughout the two and half months, I called 10 times and spoke to 14 different representatives and was never given accurate information. I asked if the refund was even approved and told it was and the funds were on their way. They were never sent and it wasn't until my final call on XX/XX/year>, that a rep was finally truthful and stated that the funds were not sent, she would submit the return of funds request again, but that I would receive a letter in the mail indicating if it was approved or not. 

This was a very frustrating process with no clear number to call or department to work with. I was consistently bounced around and told misleading information with the intent to delay the refund and prevent my bank from initiating the refund from their end. Bank of America does not have a user friendly website that makes it easy to change features on your account and their customer service is the worst I've experience. Bank of America is unethical in this process and at this point, I don't know if I will ever get a refund.

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 2024-10-15 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: FL

Complaint narrative:
I have a fraudulent account on my credit report, which I reported to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX has refused to do this. The following is the fraudulent account : 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 explanation
Consumer complaint received 2024-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Kohls charge account was opened online in my name using my SS #, DOB, and phone number. The address used was not an address I have ever lived at, but was an old address of my ex husbands. ( I dont think he had anything to do with this though ). The email used was not my email or one that I recognize. They told me that the purchase was for a crew neck shirt, sports bra, and a body suit and was ordered to pick up at a store but they would not tell me what store. The only reason I even know about the account/charges is because I began receiving calls on my phone to make a payment. I dont even have a Kohls account so I contacted them to see what the issue was. I originally called them on XX/XX/year> and kept getting calls so I called back and they said their investigation concluded that I had indeed opened the account. I have been told they will investigate again but they say it may take up to 60 days. Meanwhile it is on my credit report when I have nothing to do with the account/charges. I told them that I was informed I was a victim of the XXXX & XXXX data breach. They have not been helpful in resolving this issue at all. They have never asked for a police report or really any information from me other than to verify my personal information. I am willing to file one if I have to, but is extremely frustrating that I am spending hours of time trying to fix this when I am a victim of fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I deposited {$10000.00} in cash to my personal checking account. Chase Bank put an indefinite hold on my money and are refusing to close my account and give my money back. 
I have been given no reason except for investigation purposes. It has now been 3 months that I have been trying to get my money out to pay mortgage and car payments. 
They refuse to give me what is legally mine. 
They refuse to give me a reason. I already went above the branch and have contacted executive offices and they are giving me the same excuses. Do NOT trust Chase! They will steal whats rightfully yours!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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 am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-15 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: EQUIFAX, 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 trust cut deep, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Pursuant to the FCRA ( Fair Credit Reporting Act ), it is the duty of EXPERIAN to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXX XXXX XXXX XXXX  account beginning in XXXX. This includes a 30 DAY late payment posted in XX/XX/XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ). This is incorrect and is supposed to be reported as PAID AS AGREED and or have a rating of OK. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination and possibly homelessness very soon. I have tried to remedy this situation by responding to EXPERIAN via written letters to remove this inaccurate and false reporting of late payments on XXXX XX/XX/XXXX ( Certified Mail # XXXX ), XXXX XX/XX/XXXX ( Certified Mail # XXXX ), as well as a previous CFPB complaint on XXXX XX/XX/XXXX ( # XXXX ), however they have continued to ignore my requests. While XXXX ( SEE EXHIBITS XXXX, XXXX, & XXXX Attached ) and XXXX ( XXXX EXHIBITS XXXX & XXXX ) have both CORRECTLY reported this account on my consumer report, EXPERIAN has yet to update and remove these late payments from my consumer report ( SEE EXHIBIT XXXX, XXXX, & XXXX Attached ). XXXX and XXXX have clearly verified the accuracy of my credit report while EXPERIAN only claims it has yet, there are still false and negative inaccuracies in my report. It is because of this inaccuracy that is causing my wife and myself an enormous amount of mental stress, XXXX, and pain. I fear that if these inaccurate late payments arent removed soon, that we will be homeless due to these negative and false reporting methods from EXPERIAN.

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 2024-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Issue Description with Credit Report 1. Incorrect Late Payments : There are late payments incorrectly reported on my accounts with Dept of Education/XXXX and XXXX XXXX, XXXX. These payments were either made on time or the reported late payments do not accurately reflect my payment history. These discrepancies have occurred over several months throughout XXXX and XXXX, impacting my credit score negatively. 

2. Unauthorized Hard Inquiries : Multiple hard inquiries have been recorded on my credit report that I did not authorize. These inquiries were listed under names such as SBA and other financial institutions, dated mainly in XX/XX/XXXX. These unauthorized inquiries have potentially lowered my credit score. 

3. Outdated Personal Information : My credit report lists outdated addresses which are no longer relevant to my current situation. These outdated addresses include locations I no longer reside at or have business with, which could affect the accuracy of credit and background checks. 

4. High Loan Balances : My report shows high loan balances, particularly with student loans managed by Dept of EducationXXXX , which are being reported with inaccuracies regarding the actual amounts and the status of payments. 

Actions Taken : I have reviewed my credit report thoroughly and have identified these inaccuracies and unauthorized records. I have not yet received any response or correction action from the credit bureaus or the financial institutions involved after discovering these issues. 

I request that these inaccuracies be investigated and corrected promptly to reflect my true credit history and protect my financial integrity. Please update me with any changes or information required to resolve these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. They have not even attempted to let me know this matter is being worked on.

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