vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I ordered goods online that were partially stolen in transit. I attempted to send back what did arrive. I filed a police report and provided it to the credit card company and XXXX directly. I spent months dealing with this case constantly being harassed by phone and mail. I spoke with someone in XXXX who said one department had approved the credit to my account in XXXX of XXXX, but the calls and letters keep coming. My personal credit is at risk and Im tired of receiving calls and 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 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
There are two major issue .First, have a checking account in the bank and im currently living abroad. XXXX XX/XX/XXXX, my suddenly lost my acces to my mobile banking account. During password recovery process, application was insisting my SSN and other information does not match their records. contacted the costumer support next day, and after spending an hour trobuleshooting, issue wasnt resolved.Eventually, She told me that her logs was telling her that password recovery was succsesful each time when i tried and got the same error i mentioned above. She told me that her system shows everything perfect and there is nothing they can do as if im imaginig the error. This issue still persist to this day.Second, Furtermore, Since the occurance of this probleam, The bank has been declining any monetary transaction via bank account and debit card. Reason was not disclosed to me during my call. So i have lostany access to my money. tried reaching costumer service XX/XX/XXXX for this issue as well, but failed after being put on a hold for terribly long while. m calling form abroad, and its terribly expensive to call. Only thing CS agent could come up is to me going to a store, witch is not possible. need your help, please help me in retriving my account.

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 2023-11-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2023, XXXX ( XXXX ) separate transfer transactions whereby a XXXX party criminal transferred over {$85000.00} from my savings account to a bogus saving account and Chase Bank let it happen. On XX/XX/2023, this criminal again transferred over {$8800.00} from our Chase Checking account, again nothing from Chase, no notification no alerts. 
This criminal impersonated me walked into a Chase Bank branch and authorized the 9 transactions, Chase Bank did nothing. This person was not me, I did not authorize the transactions. This criminal wiped out of our life savings. Chase has done nothing. We contacted the Fraud department of Chase and Fraud department agreed the transactions were not ours. We contacted the Claims department of Chase to open a claim and first were denied be able to request a claim, we called Fraud back and Fraud indicated claims would be taken. Two separate claims were taken one for checking and one for the savings. 

Chase Claims denied the checking claim indicating the transaction resembled the history of transactions, which it did not. We never transferred {$8800.00} to any savings account. 

We filed a police report indicating all of the thefts. 

Chase Bank seems to be only in it for its own profit and not looking out for the consumer. the accounts are insured yet Chase refuses to give our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
In XX/XX/XXXX, I received a letter from the Department of Education ( DOE ) that my XXXX ( XXXX XXXX ) loans were being XXXX based on Borrower Defense Evidence. To this day, the XXXX loans remain on my student loan account and are continuing to accrue interest, even though they have been discharged by the DOE. 
On XX/XX/XXXX I received a letter from Mohela that my XXXX XXXX ( XXXX  ) student loans were put into forbearance, with no explanation. Then on XX/XX/XXXX, I received another letter stating that the remainder of my loans ( XXXX XXXX and XXXX XXXX ) were also put into forbearance, again with no explanation. The forbearance end date is XX/XX/XXXX and interest continues to accumulate on all loans ( XXXX, XXXX, XXXX ) at a substantial rate. Since XX/XX/XXXX, I have submitted four email messages to Mohela requesting information as to why they put my loans into a forbearance status and have not received a reply as of XX/XX/XXXX. I did call them on XX/XX/XXXX, and after nearly 4 hours of being on hold, I was told that they " think '' it may be because the loans are being discharged/forgiven and that I should not make a payment on my loans until this gets this gets resolved, which can be anywhere from 90 to 180 days. As of XX/XX/XXXX the back interest I owe is now at {$550.00} and continues to grow at approximately $ XXXX a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-11-05 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: GA

Complaint narrative:
I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer 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 2023-11-05 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: GA

Complaint narrative:
I recently received a copy of my consumer report after I submitted a dispute about it being inaccurate information being reported. I figured it was a mistake on your part however I did not see any changes in fact you stated that the account meets FCRA requirements. That is false these accounts can not meet FCRA requirements because they have not been verified nor have you fixed the inaccurate information on these accounts. I have included a screen shot of each item that I am referring to. I know the FCRA states that my consumer report should be furnished with accurate information otherwise the accounts in question that can not be verified must be removed. Take a look at how many errors you are reporting on my consumer 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 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their 300+ offices nationally during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.

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 2023-11-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I paid my mortgage on XX/XX/2023 in the amount of {$1200.00} which was due on XX/XX/2023. Fay Servicing, XXXX XXXX XXXX, XXXX XXXX, TX XXXX started calling me on XX/XX/2023 at XXXX XXXX  stating that I was late on my payment. I checked with the bank where I purchased my cashier 's check and they stated that my check was cashed on XX/XX/XXXXXXXX XXXX by fay servicing. I sent them a letter with copies of the cashed cashier check to prove that I paid the mortgage. They called on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX @ XXXX. On XX/XX/XXXX I received a letter stating that I had not paid the mortgage that was due on XX/XX/XXXX. XXXX. They often send late statements which forces me to pay the late fee of {$13.00}. I have received multiple calls from them starting at the beginning of every month stating that I am late on my payment. When I try to return the call to the number they give me, there is always a recording and there is never a real live person to speak to regarding my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
The banks are holding our funds too long when ordering from sites like XXXX or XXXX delivery. They authorize an amount greater than the overall purchase amount and hold on to t the extra funds for far too long XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: MD

Complaint narrative:
Hello I Have and Account named XXXX  on my Credit Report that doesnt not belong to me, Im requesting for it to be removed. I contacted the company and whatever was order was shipped to a different location

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 2023-11-05 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OK

Complaint narrative:
I applied in XXXX through the federal government for the safe income driven repayment plan I sent via USPS XXXX and through their website, written and electronic correspondence, and received no contact They have been overcharging me and month two months. This is not commensurate with my filing information or my wage income. 

I then proceeded last week, apply and resubmit the federal income driven repayment plan under the save provision and Im still being billed an incorrect amount by Nelnet The app is not working, requested electronic assistance and received no relief

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: OH

Complaint narrative:
Once student loans went back into repayment, I applied to be put into the XXXX plan on XX/XX/23 which my application is still " pending '' 2 months later with MOHELA loan servicer. When checking on my online account, I was unwillingly placed into " administrative forbearance '' with out my consent. During this time there is 3 different areas on my online account that states I owe 3 different amounts ; NO payment due, {$30.00} due and {$75.00} due. How am I supposed to know which one to pay? I tried calling about 3 weeks ago before XX/XX/23 when payment was due and I was placed on hold for 2 hours and they eventually hung up on me. Now, I get a notification that my loan interest is going to be {$15000.00} and will be added to my principle balance. Number 1, where are they getting these interest numbers? and 2, interest should have been stopped during the covid forbearance? There has been NO CLEAR communication by MOHELA during any of this repayment OR the fact that I applied to be placed into a different payment plan. What they are doing is fraud and taking advantage of a very confusing time. They should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX WELLS FARGO, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from WELLS FARGO. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon seven ( 7 ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. 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
Consumer complaint received 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.

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 2023-11-05 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: MS

Complaint narrative:
To the XXXX XXXX XXXX, I am writing to bring to your attention a matter of great concern regarding my recent examination of my credit report. Upon thorough review, I have uncovered a troubling issue the presence of fraudulent accounts that I have no knowledge of. I have initiated the process of disputing these inaccuracies and fraudulent accounts, as none of the entries on my report correspond to any transactions I have ever made. It strongly suggests that I may have become a victim of Identity Theft. 

I am dismayed to report that this is the seventh time I am attempting to address this issue. It is disheartening to witness the persistent inclusion of this inaccurate information, which continues to violate my consumer rights. I emphatically request the immediate removal of these entries, as they egregiously misrepresent my credit report. 

I trust that you will give this matter the utmost attention and ensure the necessary actions are taken promptly to rectify this grave injustice. 

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
Consumer complaint received 2023-11-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Dear XXXX XXXX XXXX PNC BANK, I have recently become aware of a claim being made against ( XXXX XXXX ) by the attached correspondence from PNC BANK. Please provide proof of your Legal and/or Equitable chose in action ( YOUR RIGHT TO HAVE ACERTAIN SUM OF MONEY PAID ON DEBT ) upon XXXX ( XXXX ) days of this notice, as well as the associated chose in action insurance policy/ies. I am also requesting the governing XXXX instrument. Thank you for your prompt consideration and understanding of the agreement in good faith. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation