vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX XXXX of LA XXXX XXXX XXXX XXXX # XXXX. I'm complaint against Experian business credit report that have inaccurate XXXX filing. The Fraudulent XXXX are established on the Experian Business credit report due to Identity Theft. The California Secretary of State granted a XXXX Termination against the Fraudulent XXXX filing established due to Identity Theft. All supporting information attached. Experian Business are violating our fair business credit rights by attempting to post a fraudulent XXXX filing on the LA XXXX XXXX XXXX XXXX # XXXX, Experian XXXX credit report. Supporting documents attached. We're feeling LA XXXX XXXX XXXX are discriminating on LA XXXX XXXX XXXX by continuing to post inaccurate UCC1 information on LA XXXX XXXX XXXX Experian business credit report after all the board of directors sent Experian Business Commercial many complaints to remove inaccurate UCC 1 information.

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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I believe I am a victim of a scam or fraud by JP Morgan Chase bank. 

Chase bank offered me a credit card and I applied and was approved. The card comes with a {$550.00} fee which I was immediately charged. The card advertises numerous benefits. However, the bank has refused -- after 60 days, and 5 phone calls to customer service -- to honor the primary advertised benefit for which I decided to apply for the card. 

Here is a log of my attempts to contact Chase to request that they provide the benefit they advertised : XXXX XXXX -- clicked to activate Priority pass using my Chase account. They didn't. I never received the card in the mail nor any email notice. 

XXXX XXXX - Called chase. Said they'd activate it. They didn't. 

XX/XX/XXXX called Chase - Representative said she'd contact priority pass and that I should call back after 6 or more days to request to receive the actual card. 

XX/XX/XXXX called Chase back. Representative claimed nothing had been done and he needed to connect me with priority pass. But shortly after he transferred me, the call hung up. 

XX/XX/XXXX called again, 2hrs later. A representative repeated the same thing. This time when she transferred me to priority pass, the priority pass representative told me : " Chase transferred you because they don't wan na take responsibility. They know that only they can issue the membership. '' She instructed me to call the Chase Benefits administrator at XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX called the Chase benefits administrator. Representative informed me they are actually a third party and " the only thing you can do is to be connected back with Chase directly. They will have to resolve this on their end. '' As you can see, I believe I am the victim of some type of scam or fraud, as Chase has not only refused to offer the service advertised in exchange for the {$550.00} fee, but also Chase has refused, over 5 different occasions, to resolve the issue. 

Here is where the benefit is advertised, and where I applied for the card : XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your assistance. 
Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the XXXX are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The XXXX failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax removed my active XXXX XXXX credit card from my credit report by mistake. The XXXX XXXX credit card is active that is my mine please add back to my credit report XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
A company, Phoenix Financial Services, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, Indiana XXXX, sent me a bill that they claim is from another company from XX/XX/16. I have never hear of the current creditor, XXXX XXXX XXXX, or the original creditor, XXXX XXXX XXXX. They say they can not sue me because of the age of the bill but they threaten to ruin my credit rating. They also say I can pay a reduced amount if I answer quickly. I think this is a scam. 

Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-02-07 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: IL

Complaint narrative:
I am a senior XXXX with the XXXX XXXX XXXX and have been with the Department for 11 years. I filed my employer certification with Mohela for XXXX in XX/XX/XXXX under the XXXX. At the time, I had XXXX of XXXX eligible payments. On XX/XX/XXXX and XXXX, XXXX, I received three letters from Mohela. The first stated that I had XXXX eligible payments and XXXX qualified payments for the XXXX. The second stated that my employer had provided an end date to my employment and my certification was not accepted. The third stated that Mohela had determined that my employer is not a not-for-profit and my certification was not accepted. 

The reasons for Mohela 's denial of my certification were factually erroneous. My employer did not check that I was no longer employed with them and the XXXX, a federal department, is in fact a non-for-profit. Since I could not cure Mohela 's errors by resubmitting documents, I called Mohela on XX/XX/XXXX. After a XXXX minute wait where the call was disconnected, I spend more than XXXX hours waiting to speak with a person. The person I spoke with reviewed my application and was able to verify that my certification was correct, the letters were erroneous, and the documents would be refiled internally. She further confirmed that Mohela has not accepted my employer certification since XXXX, XXXX. Until then, Mohela accepted the DOL as a not for profit with the same EIN, address, and name. 

I have contacted Mohela twice since XX/XX/XXXX because my account online still states, " Your PSLF eligible and qualified periods are expected to be updated through the XXXX XXXX XXXX process beginning mid to late XXXX based on your certified employment/employer. '' This message has not changed since XX/XX/XXXX. Each time I have called, there is no record that my certification is being reprocessed and I can not get any information from Mohela regarding the status of my loans. While Mohela has been " unindated '' with applications, they are failing to record and provide basic account information, properly review submitted information, and either have no process to correct their own errors or will not provide information on such process.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The other bureaus are reporting different open dates. How is that possible if this account is being reported accurately? I will be seeking legal assistance due to noncompliance and per 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, theres multiple deviations, deficiencies, inaccurate information and unauthorized information listed on my credit report. Its been XXXX XXXX, per tracking and no investigation performed nor information requested given. The accounts referenced in the attached have been re-added and re-aged without my knowledge as well as accounts, such as XXXX XXXX, were disputed and I didnt request during dispute.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the TransUnion are required byfederal law to verify - through the physical verification of the original signed consumer contract - anyand all accounts you post on a credit report. Otherwise, anyone paying for your reporting services couldfax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original ConsumerContract with my Signature on it ) you have on file of the accounts listed below. The TransUnion failureto positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiedaccounts must be removed and if you are unable to provide me a copy of verifiable proof, you mustremove the accounts that was included in the FTC report attached on this complaint.

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Contacted XXXX XXXX Account & arrangement a settlement agreement. Settlement was paid to a {$0.00} balance XXXX. Account stated they will correct the information on all 3 credit bureaus and did not. Instead it still shows a past due balance which is inaccurate information.

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 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the Experian are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. The Experian failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts that was included in the FTC report attached on this complaint.

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 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX Account XXXX. XXXX My bill cycle ran from the XXXX to the XXXX each month, with payments due on the XXXX of the following month. On XX/XX/2022, I canceled service for line ending in XXXX by completing a port-out of the telephone number to another wireless carrier. The voice lines ending in XXXX and XXXX were then canceled on XX/XX/2022, when I completed a port-out of these lines to another wireless carrier. The account was canceled, and I was clearly instructed to cancel my remaining non-using line ending in XXXX to cancel on XX/XX/XXXX, unfortunately, XXXX tricked me and did not cancel, and I called them again and asked to cancel that number. please ask them to check the call logs. and they sent me the final bill of {$370.00} which I am ready to pay. since my account is canceled on XX/XX/XXXX, XXXX  does not have permission to take money out of my back without giving me a proper explanation or a paper bill. So I stopped the payment of {$160.00} which is the wrong amount anyway. since my bill period is XXXX to the XXXX of every month, I only owe prorated charge of XXXX  days that is {$79.00} ( $ XXXX {$4.00} - XXXX ) + {$34.00} + {$5.00} = XXXX +/- {$5.00} ( Note - this from their letter of explanation - The billing statement dated XX/XX/2022, reflected a balance owed in the amount of {$180.00} of which {$140.00} was for rate plan charges, {$34.00} for equipment charges, {$23.00} for service charges, and a credit of {$16.00} for one-time charges. A payment of {$180.00} was remitted via AutoPay on XX/XX/2022, reducing the balance to XXXX  ) there are XXXX  complaints - XXXX their customer support gave me the wrong information and made all this mess. they didn't cancel my non-using XXXX number since I asked them to cancel on XX/XX/XXXX and XXXX, second, they withdraw money from my back without my authorization or without a proper paper bill, and now charging me {$30.00} for {$30.00} payment return 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 2023-02-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
Claim Number : XXXX File Date : XX/XX/2022 Claim Type : Trip Cancellation/Interruption I put in vast quantities of information to recover {$5300.00} from my credit card company due to a trip cancellation that I had in XXXX. The flight to XXXX was cancelled due to strikes in XXXX for me & my husband. Due to airport delays & weather, we could not get on a new flight to XXXX in time for vacation. Due to this, I needed to cancel our flight home from XXXX back to XXXX. My return ticket from XXXX was nonrefundable as was my hotel. My card company specifically states that they will reimburse me in these types of matters, but after XXXX weeks of talking to multiple claim agents, I only get a refund for {$510.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SG and Associates
State: OH

Complaint narrative:
Ive contacted this company many times about this account being opened by being a victim of identity theft and fraud. Ive also requested a copy of my signature and of the purchase agreement. XXXX loans provided the customer agreement but didnt provide my signature or any other proof to indicate the account was indeed mines. I never owed a sectional and I moved out of XXXX the year of XXXX. The agreement states the account was opened on XX/XX/XXXX and it states the contact was signed on XX/XX/XXXX. Which makes no sense at all. Enclosed is another police report since they wont honor all the others I sent over the years, this account was never opened by me and needs to be closed admittedly and removed from my credit reports.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
After over 5 direct deposit transactions into my account, Wells Fargo is allowing all my day to day transactions, and the next day they are posting that I has a negative balance, for 4 days in a row. My deposits are more than my debits daily but my money is disappearing.

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 2023-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
The bank closed my account and they took away rom us {$2800.00} and just giving us no reason

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 2023-02-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WA

Complaint narrative:
I have two direct, federal loans that are serviced by Mohela. They were transferred to Mohela from XXXX in XXXX of XXXX because I am eligible for the XXXX XXXX XXXX XXXX XXXX. 

I have been a public servant since XXXX when the program started. Mohela has record of all of my employment, certified from eligible employers dating back to XXXX which they have accepted and approved. 

When my loans transferred to Mohela from XXXX, I was told to wait for Mohela to apply the PSLF waiver to my account and my updated payment counts would reflect starting in XX/XX/XXXX. In XXXX, Mohela notified me that I had 80 eligible payments. They show missing eligible payments from XXXX XX/XX/XXXX and from XXXX. 

Mohela has record of my eligible employment during the time they have these gaps in my eligible payments ( in total 37 payments ). 

I have called Mohela multiple times, and no one can sort out why those payments are missing. Mohela verify that they have eligible employment on record and state they " missed '' the payments. In XX/XX/XXXX they told me to call again in XXXX, in XXXX they said to call in XX/XX/XXXX, and in XXXX they asked me to call in XX/XX/XXXX. 

Today ( XXXX XXXX ) I called and spent another hour with Mohela on the phone trying to sort this out. A supervisor told me that the reason those payment don't count is that I was in in-school deferment in XXXX and during the 26 months of COVID. However, I was NOT in school. I did not receive in school deferment during that period, and Mohela has record of my eligible, full-time employment to cover those periods. 

Mohela told me today they have no idea what to do next. They said I just need to wait until it is sorted out - however, I have been waiting 8 MONTHS at this point. With those 37 payments, I am OVER the 120 payment count and should be sent to discharge to the department of education. 

No one knows what steps to take and I have been waiting now for close to a YEAR to sort this out. Mohela doesn't know what to do, I have submitted verification of my employment that has been approved, and I have no direction how to fix this. 

PLEASE, please, please fix this. This situation has me sitting in a financial limbo that is highly stressful. I need CFPB to connect with Mohela, have my employment verified ( even though it already IS ), and have my payment count updated and sent to discharge ASAP. 

I look forward to hearing from you to have this fixed immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation