vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: NY

Complaint narrative:
Today is XX/XX/XXXX. I have been waiting since XX/XX/XXXX for Mohela to process an electronically submitted XXXX XXXX XXXX form for my last payment. 

In the meantime, Mohela has decided to mark my loan as XXXX in spite of : XXXX. My loan would be forgiven by now if they would just process my XXXX XXXX certification XXXX. My loan is not in repayment according to the account update posted on my log-in page. Screenshot of this provided I suspect that Mohela is charging the XXXX for each month that a loan is open and this is a way for them to make more money fraudulently.

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 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
Transaction misclassification and transaction reordering to find an excuse to charge me a XXXX fee. Bank of America misclassified my XXXX  XXXX transaction ( a XXXX purchase at XXXX ) just to charge me a XXXX fee. First, the XXXX card purchase should have been declined if the account did not have sufficient funds. Second, according to the XXXX statement I am attaching, after the XXXX point-of-sale purchase and the XXXX fee, the account balance was - XXXX, which means that the account balance before the transaction was - XXXX + XXXX + XXXX = XXXX. After the XXXX purchase, therefore, the account balance was XXXX It suggests Bank of America somehow reordered the transactions to find a way to charge me a XXXX fee.

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 2023-12-26 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: TX

Complaint narrative:
I have asked Experian XXXX separate times to conduct an investigation into XXXX  accounts on my credit report that I believe are inaccurate. Each time XXXX sent me an automated computer generated response saying they do not believe the request was coming from me. Every time I provided Proof of XXXX  and Proof of XXXX and they refused to do so. They have consistently violated my rights under the Fair Credit Reporting Act and should be held accountable for this.

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 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX loan was charged off by original lender years ago. XXXX funding acquired a XXXX XXXX account this year and included the other account at their own will. XXXX XXXX XXXX did not sell this loan to them they assumed this account on there own predatory practices. They have not produced any original paperwork and have ceased sending notices and calling about those debt. This loan was open in XXXX charged off by XXXX. XXXX was not aware that they assumed this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  ( Original Creditor : XXXX ) # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: OH

Complaint narrative:
Requested a consumer report XXXX on XX/XX/23 when received and looking for inaccuracies this company is sharing my information incorrectly with other companies. According to 15 USC 6802 ( a ) ( b ) - obligations with respect to disclosures of personal information. You are prohibited from disclosing my personal information to any third party without my consent. I did not give my permission to disclose my personal information. The following information is inaccurate and needs to be removed from my teletrack consumer report ; Names Reported : XXXX XXXX, XXXX XXXX XXXX, Address : XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX, Phone # XXXX. AS NONE OF THIS INFORMATION IS ASSOCIATED WITH MYSELF AND IS ACCURATE WITH MY DL AND SS #. 
All Hard inquiries On my consumer report are also were made without authorization, and without legitimate business purpose. Please remove these unconfirmed inquiries lacking certifiable evidence unless physically certified and verified proof Is demonstrated and provided per U.S. Code 15 U.S.C. 1681 Section 604 of The Fair Credit Reporting Act. Furthermore, in accordance with The Fair Credit Reporting act, Public Law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

I request the following information to be sent to me via mail with all HARD DOCUMENTS to show how it was verified : iF IT CAN NOT BE VERIFIED IT NEEDS TO BE DELETED FROM MY TELETRACK CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 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: MD

Complaint narrative:
I urgently request that you promptly remove the unauthorized ACCOUNTS from my credit report, as I did not provide authorization for them, and they are causing me significant distress. I implore you to correct this error without delay.

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NY

Complaint narrative:
A XXXX package that was sent to my address ; it included my phone number. Upon opening it and the envelope inside, I realized that it was a credit card in someone else 's name. 

I went back and checked the XXXX envelope and the address on the paperwork and it was definitely my address/phone number. After doing some research I realized this was some type of fraud ; being concerned about how things could devolve, I thought it best to submit a report here.

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 2023-12-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
On the morning of XX/XX/2023 i woke up with XXXX unauthorized inquiries on my credit report Credit Alert New Inquiry XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXXXXXX XXXX XXXX XX/XX/2023 from TransUnion > Credit Alert New Inquiry XXXX XXXX, XXXX XXXX XX/XX/2023 from XXXX I've tried calling TransUnion and XXXX to get this resolved but was not successful. A security freeze was placed on my account with XXXX. I did not authorize any of these inquiries nor have i applied for anything that would run my credit.

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 2023-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXXXXXX XXXX TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
In XXXX, 2023, a " non-traditional '' payment was made to the credit card company involved, sufficient to almost pay the balance in full, and keep the account open. However, when this company " received '' either a " payment '', or " confirmation of payment '', their response was to close the credit card accounts, and the report the accounts as " delinquent ''. This company has not stated that they do not/ can not /will not " accept this payment. I am not in traverse, nor dispute as to the amount of any money or lawful " debt '' I may owe, but I am also aware that the company involved, is a " dead '', corporate entity, and as such does not, and can not generate energy, and can not produce " substance '', and therefore, they did not loan me any " money '', to create a " debt '', and also can not loan " credit ''. I am seeking an equitable resolution to this matter, as well as preserve my rights. Thank you for your prompt attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Auto loan was charged off by original lender years ago. XXXX funding acquired a credit card account this year and included the other account at their own will. Navy Federal CU did not sell this loan to them they assumed this account on there own predatory practices. They have not produced any original paperwork and have ceased sending notices and calling about those debt. This loan was open in 2015, charged off by NFCU. NFCU was not aware that they assumed this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Company suing me, but I was NOT properly served by anyone. 

I found out about the case because I was receiving random letters in the mail from attorneys offering to help with the case. 

I've called the local courthouse to confirm everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Theree is a closed account on my credit report that i did not open nor did I authorize to be opened XXXX XXXX XXXX XXXX XXXX with a balance of {$13000.00}. 
A large number of inquiries are on my report that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I believe my personal information was used to try and obtain a loan. I did not agree nor provide such information to the following companies and need these inquiries removed from my credit report immediately. This is hindering my credit score tremendously and preventing me from obtaining new lines of credit.

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 2023-12-26 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: MA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
My complaint is that MIDLAND CREDIT MANAGEM has unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F that went into effect XXXX XXXX XXXX MIDLAND CREDIT MANAGEM has violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. I sent them a Cease and Desist letter over a month ago and they are still calling and harassing me from a lot of different numbers throughout the day and evening. I do not know who they are. They have not provided any required documents or contract to prove that I owe them anything. This harassment needs to stop. They have no permissible purpose by law to contact third parties with my private or personal information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX I received a text at XXXX XXXX XXXX XXXX someone had withdrawn {$880.00} from my checking account at atm machine on XXXX XXXX XXXX XXXX XXXXXXXX. I had my debit card with me and went into my accounts and found that this criminal went into my branch and withdrew another {$4700.00}. dollars and {$4800.00} from my savings account. I immediately called the bank and was referred to the fraud department in XXXX XXXX XXXX  and they had no clue how me and they did not understand that the money was gone and not pending, Then I filed 2 police reports and then I called the fraud department with the gentlemen XXXX XXXX, who argued with the fraud department and he had my debit card and saw for himself that I did not have my pin number written on my card. He destroyed my card because this man from fraud dept. " XXXX '' accused me after he did a " full investigation '' that I was the one who robbed myself and that any money temporairily returned to checking account was going to be taken back and nothing was replaced to my savings acct. I pay my mortgage with my checking and other bills and I have direct deposit from my employer. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I could not reach the branch manager at all XXXX, as there is no voicemail or anyway to reach her. I called my congressman, THE OCC, SEC AND NYS financial banking services..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My Complaint is with Citibank XXXX XXXX XXXX my 2 accounts with Citibank were closed due to lack of documentation ID for my XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX I sent the required ID and was told the accounts would be opened. The funds in the account were frozen and according to the bank sent to my mailing address. I never received these checks. I asked the bank to put a stop payment on the checks and refund the funds. Today XX/XX/XXXX the bank has opened one account but has not refunded the money which my mother needs and the other account remains closed. I am speaking at the moment with Remediaton of Citibank and the tell me the accounts have all the information needed but dont know why the account has not been reoppened and the funds deposited. I feel helpless so I am asking you for help Thanks 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 monetary relief