vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CT

Complaint narrative:
Im currently XXXX XXXX XXXX and MOHELA is still trying to charge me even though I'm XXXX  and XXXX XXXX. Ive informed them multiple times that I'm XXXX but they continue to charge me interest on subsidized loans that SHOULD NOT accrue interest while I'm XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Block, Inc.
State: SC

Complaint narrative:
Cash App have asked me for verification several times to send my Id card each time before, I can use the card. They asked me to verify my address, and ID and other questions. I have sent to them through there verification progress, by downloading my ID into their system. 

The give me no explanations as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I called today, XX/XX/year> about a Lending Company used by my Dentist. This is regarding of outstanding balance to be paid used by Dentist for the total charge of XXXX} which was already cancelled, therefore, no service has been rendered. 

Transunion Credit Bureau has a number to call from their Website but to no avail for this hijacked by another company who does services in repairing your Credit Report with fee. 

Eventually, I got the correct number but always holding your call and worthless answer that has nothing to do in removing my bad credit report. It looks like nothing at all and in favor with the Lending company who reported me for delinquent 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 2024-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2024, fraudsters contacted me via Citibanks 's legitimate alerts thread telling me fraudulent activity had been detected on my debit card and that I should be expecting a call. I should press 1 for yes 2 for NO, just like the bank has legitimately asked me to do in the past with no issues. I spoke to a woman named XXXX and she told me that three illegal payments of XXXX dollars were scheduled out of my account via XXXX -- the XXXX XXXX XXXX  endorsed and used by the bank on its site and mobile app. She talked me through how to stop the payments from going out but it turned out that I was being groomed to in fact remove the money from my account via XXXX She pretended I was refunding myself. on XX/XX/XXXX I was alerted again that another amount of XXXX dollars was attempted to be debited from my account but this time it was real and when I asked how much money I had in my checking and savings it was XXXX dollars. My account was cleaned out. Citibank says it is investigating and i have filed an official police report under XXXX. However, though the bank has recouped about XXXX dollars of fraudulent debits, they have yet to refund the XXXX that was taken via these fraudulent XXXX transfers and refuse to assure me they will. My account is frozen.

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX It opened up on XX/XX/2023 saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a XXXX balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 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: GA

Complaint narrative:
Apparent checking my credit report I have a fraudulent account from a company called XXXX XXXX. It opened up on XX/XX/2023 saying that I owe XXXX XXXX {$58.00}. I am Big on my credit {$58.00} I would have paid. I also have proof that I have a XXXX balance with XXXX, I recently moved and I took my XXXX account with me. There is no balance and I will be uploading my recent bill. I have no idea why this fraudulent account is on my credit history.

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 2024-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: VA

Complaint narrative:
The Lendmark Company has been calling me every day and weekends. Im with XXXX and the had talked to Lendmark but they tell me that they can get in touch with XXXX. I called XXXX today and they said that they been in contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received a {$500.00} Amex gift card XXXX. I have tried to use this card at a wide variety of merchants for the last year. I have called the company numerous times and they continue to tell me it should work and then it never does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-29 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: CA

Complaint narrative:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal or nonverbal per 15 USC 1682.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX stated they will take care of all my issues!! 
XXXX XXXX sent me an email stated they closed the account XX/XX/XXXX!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  ( debt collection agency ) stated they closed case XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) No collection ( cancelled /closed/ no longer in collections ) XXXX XXXX  XXXX XXXX XXXX transfer me to XXXX XXXX stated they will take care of all my issues!! 
XXXX XXXX sent me an email stated they closed the account XX/XX/XXXX!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I pulled my credit recently and discovered many mistakes on my file, from address and account information on several that are not mine orstill showing a balance and it is charged off. I am enclosing a detailed letter that describes what I am complaining about

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My information was XXXX XXXX XXXX  illegally beacuse I was a victim of the XXXX data breach, XXXX data breach, XXXX data breach and XXXX  data breach. My XXXX  card was linked to these companies data. 
My checking account was charged fraudulently through XXXX securities with the amount of {$3000.00}. 
I want to request a refund for the dispute claim number XXXX. 
XXXX investigation of the claim was completed and the claim was denied due to authorization and/or participation in the transaction activity. 
Please help me fix this illegal charges on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Charges were made to my account that I do not recognize. 
Dates and Amounts of fraudulent charges as printed on my Fifth Third Bank statement : XX/XX/XXXX - {$110.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXX XXXX XXXX - {$160.00} DEBIT CARD PURCHASE AT XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX - {$100.00} DEBIT CARD PURCHASE AT XXXX XXXXXXXX XXXX XXXX XXXX At the time of these events I was going to school and working full time with XXXX XXXX XXXX XXXX. I noticed the charge from XX/XX/XXXX XXXX  after that date and forgot to take action. 

I went in person to talk to my personal banking representative to have this formally looked at and disputed sometime mid XXXX, XXXX. We successfully requested the dispute for the charge on XX/XX/XXXX. At this time, the charges from XX/XX/XXXX and XX/XX/XXXX from the same company were left undiscovered and undisputed. 

Upon receiving the dispute denial letter, I went in person to ask why and to be provided any and all accompanying documents related to their research. Their letter of denial said they would provide all documents used in the research that led to their decision. 

My personal XXXX  and I called the dispute department and appealed their decision. After that phone call, the charges from XX/XX/XXXX and XX/XX/XXXX were then discovered by myself after a closer look at my statement while still in the bank. We then called the dispute department again to dispute the charges just discovered. 

I was never provided and documentation and all disputes have been denied. 

The first denial letter explains their reasoning as this : " Here 's why we made this decision : Our research confirms that the transaction was valid. '' The most recent letter, I received on the date of this writing. The explanation reads as follows : " While we were researching the activity, we determined the transaction in the amount of {$270.00} wasn't completed by the merchant and wasn't deducted from your account. As a result this case is now complete. 

For your security, we've placed a block on the debit card ending XXXX to protect you from future charges. If you requested a new card, feel confident it's on the way. '' They claim the funds were never taken out of my account yet my account statement very clearly reads that the funds were taken out of my account. 

They also claimed over the phone that my card was physically used during the XX/XX/XXXX transaction. 

I did research on XXXX XXXX. It turns out to be some XXXX that either still operates or did operate out of an apartment unit in XXXX. I triple checked my XXXX maps timeline to make sure my memory isn't failing me. I've never been to the location that is tied to these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Below are the inaccurate accounts I found listed on my credit report. 

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

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 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Below are the inaccurate accounts I found listed on my credit report. 

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 XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
My request for a review of accounts is being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
My request for a review of accounts is being ignored.

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 2024-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2024-01-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: MO

Complaint narrative:
I was charged {$1500.00} by the post office and there was a computer error and I couldnt get my money order or a refund. I disputed the charge with chime and gave them thorough proof from the post office that I am due a full refund of {$1500.00} I cant get any support through Chime

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/year>, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. 

Despite achieving academic and social success, securing a government job, I find myself unable to advance any further. As XXXX of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling full-time college studies with a full-time job has added the role of a XXXX XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.

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 2024-01-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number attached in supporting document Please provide me with : 1. What the money you say I owe is for. 
XXXX. A detailed explanation of how you calculated what you say I owe.

3. Copies of any and all papers that prove I agreed to pay what you say I owe.

4. A verification or copy of any judgment, if applicable.

5. The identity, name, and address of the original creditor.

6. Proof that the Statute of Limitations has not expired on this account.

7. Proof that you are licensed to collect in my state.

8. Your license numbers and Registered Agent or Agent of Service.

At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 2024-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX VA XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection or update the following accounts and paid, never late. 
ACCOUNT : XXXX ORIGINAL CREDITOR XXXX XXXX Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )

Company response to consumer: Closed with explanation