vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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 writing to dispute the following inaccurate information that appears in my credit report. This information is inaccurate and should be corrected or deleted. The errors which prompted this credit report dispute include : XXXX XXXX XXXX  XXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX. This account is not accurate. Please delete it. XXXX XXXXXXXX XXXX. This account is not accurate. Please delete it. XXXX XXXX XXXX This account is not accurate. Please delete it.XXXX XXXX XXXX XXXXXXXX. This account is not accurate. Please delete it. According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any inaccurate from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to me. Please investigate and update these items as soon as possible.

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 2023-12-20 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 early XXXX, I mailed in a form to MOHELA to apply for the public service forgiveness program ( I work for the state and have, or have at least close to, 120 payments completed ). After waiting two months, I called and spoke to a very nice man who suggested that I fax the form in. I did so on XX/XX/XXXX, and have not heard a word from them since. You can track your form on their website, but they continually tell me that my form has not been received or processed, although it states that it takes ten business days for it to be put into their system. In the meantime, interest continues accruing on the account and I'm paying about $ 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: LA

Complaint narrative:
Hello, my name is XXXX XXXX last XXXX social : XXXX. 

Since I started working at XXXX on XX/XX/2023 I have been victim of identity theft. I found out the cause that we are all required to bring our stuff in a clear backpack just as mine that I will attach a picture here. There have been a lot of fraudulent transaction on my cards. I used to have the temporary card printed inside my wallet. Also my XXXX XXXX card was compromised but they refunded my money back right away. There have been fraudulent transaction from a company called XXXX. They have withdrew over $ XXXX out of my account and I need my money back immediately. XXXX is coming and I have XXXX son and a family to provide food and gifts. And it is a very hard time to get scammed like these and to have to wait over 45 days and those scammers running away with my hard earned money that I need to load over XXXX boxes per day to get pay. I will move all my money and direct deposit from chime to XXXX because they did take care immediately of a loyal customer like me. I will also report this to the police and local lawyer so we will take you guys to court to fix all these fraudulent transactions on my account and the previous ones you guys denied and sided with the scammers. I need this fixed before Saturday or will report to all social medias, news, and small claim courts. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NJ

Complaint narrative:
I tried contacting the company to get an understanding of the debt because I feel I do not owe anything. The company seeking fund for a gym that did not offer me all services. I called both parties and did not get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I asked for these addresses to be removed and or deleted from my consumer report because they are non mailable addresses 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 explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Skrill USA, Inc.
State: AZ

Complaint narrative:
Ticket # XXXX I attempted to make a large deposit into my Skrill account using my debit card today, which I took the time to verify for higher limits the day before. Skrill then restricted my account asking for selfie photos holding both sides of my ID. I immediately submitted the documents and they were approved about XXXX hours later and my account was back to normal. 

After working out the issue with my bank, I was finally able to successfully add to my Skrill balance using the same card. When I attempted to withdraw the balance to another bank, Skrill restricted my account again. This time, there is no request for specific documentation or any path to resolution. When I called support, representative XXXX was very unhelpful and refused to transfer me to a supervisor. 

I now have over {$4300.00} locked up in my Skrill balance with no assistance from support or clarity on when I will get access to transfer my funds, even though Ive been fully verified since I opened the account AND supplied additional documentation for the SAME transaction amount just this morning. 

Every time I try to use Skrill, I run into some kind of block or issue like this. Just a few days before this, I had to submit another report due to Skrill cutting my deposit limits from {$5000.00} to {$50.00} for no reason. Skrill needs to remove this block from my account IMMEDIATELY and give me access to my funds RIGHT AWAY, as I am a fully verified customer being very patient trying to make this service work over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I paid off my mortgage in full ( actually {$670.00} over payout ) and Mr. Cooper has gone full-predatory mode against me. 

First they miscalculated the amount due back to me of {$500.00}. 

Their payoff amount was {$1600.00} and I had an escrow of {$2200.00}. Just looking at those numbers ( not including their " suspense bucket '' shenanigans of {$160.00} and {$84.00} ) I would be due {$550.00}. 

XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} XX/XX/XXXX Unapplied Funds Payment Reversal {$84.00} If we do a more detailed analysis : {$63000.00} loan on XX/XX/XXXX at 4.5 % ( went down to in XXXX to about $ XXXX ) -- giving you ( generously ) {$310.00} interest = which would have become {$63000.00} by the end of XXXX if not for any payments. And then subtract the XXXX Escrow balance which was {$280.00} at that time. 

This gives an actual account balance with interest included and not including escrow of {$63000.00} going into XXXX. 

Then I made payments of {$64000.00} : XX/XX/XXXX : {$55000.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$900.00} XX/XX/XXXX : {$5000.00} XX/XX/XXXX : {$1500.00} Subtract {$64000.00} payments from {$63000.00} and the amount amount due back is {$670.00}. 

Now using their payoff numbers ( which don't include their crooked mess with the suspension buckets ) I'm due {$550.00}. And a careful analysis of the money going back the last three months ( without the " suspension bucket '' nonsense and misapplied payments ) shows that I am due {$670.00}. 

And rather " coincidentally '' it seems like the ( approximately ) {$160.00} missing happened to go into a " suspension bucket '' on XX/XX/XXXX : XX/XX/XXXX Unapplied Funds Payment Reversal {$160.00} As if that wasn't enough, today ( XX/XX/XXXX ) they've changed the status of my account and reopened my PAID OFF MORTGAGE and are saying I OWE them {$820.00} by XX/XX/XXXX or they will charge me additional fees and interest. 

As of XX/XX/XXXX Unpaid principal {$240.00} Escrow {$770.00} By THEIR ACCOUNTING THEY OWE ME {$530.00} ( though it is actually {$670.00} ). 

But now they are demanding another {$820.00} even though they owe me money and my mortgage should be closed as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: MO

Complaint narrative:
Experian closed yet another complaint without addressing the issue again and state that the problem is not on my credit report well of course its not you have STOLEN NOW ALMOST 19 months of on time never late payments to XXXX and refuse to give them back but once again they will fix the problem for money

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Ive been back and fourth fighting everyday with Bank of America sometimes 4 hours a day they completely locked me out of any online services to my account did agent assisted transfers Ive never done and continues to allow activity in transfers ease and reversals and no statement or access for communication possible for me account take over and discrimination to be able to view access anything to now a year and half later send me resolutions letters of my account be credited and permanent and not releasing or giving my funds over a month of resolution the denie my claims less then 24 hrs when it takes 3 hours to summit with no details of investigation or reason of denial I have n way to get my money if no one regulated the law on the banks I have nothing but letters and no action its XXXX how can anyone continue to let this happen

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against Bank of America due to their failure to resolve an unauthorized charge on my account and their inconsistent handling of my claim, which has led to a great deal of frustration and financial distress. 

On XX/XX/2023, I discovered an unauthorized charge of {$4000.00} from XXXX on my account. I promptly visited the Bank of America branch on XXXX XXXX in XXXX, CA, where they connect with the Fraud department by Phone. The Fraud department report that a claim has been open. 

However, when I followed up on XX/XX/XXXX for an update, I was informed that no claim had been filed. This confusion was exacerbated when I was told that a new claim could not be filed because one supposedly already existed for this transaction. This contradictory and confusing information has been a consistent theme in my repeated communications with the bank. 

I have called Bank of America numerous times, seeking clarity and resolution. Each call has resulted in either being told that no claim is on file or that a new claim can not be opened due to the existence of an alleged claim. This lack of clear communication and resolution has been both distressing and time-consuming. 

It has been over 30 days since the incident, and I am still without any definitive information or resolution. In addition, I have been unfairly charged interest on the disputed amount. I have reached out to XXXX directly at the Bank of America branch, confirming that they have no record of this rental transaction, indicating a clear case of fraud. 

Despite all evidence and my persistent efforts, I have received my XXXX credit card statement. I am being forced to pay not only the original unauthorized charge of {$4000.00} but also an additional {$150.00} in interest. The conflicting information provided by Bank of America representatives has left me in a state of limbo, unsure of whether a claim exists and unable to move forward in resolving this fraudulent charge. 

I urgently request your intervention in this matter. The handling of this issue by Bank of America has been inadequate and highly problematic, resulting in unnecessary financial burden and significant stress. 

Thank you for your prompt attention to this urgent matter. I am eagerly awaiting your response and assistance in resolving this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-20 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-20 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: VA

Complaint narrative:
Upon checking my Transunion credit report, I found a hard inquiry from a company that I did not recognize. 

XXXX XXXX XXXX XX/XX/2023 I called Transunion to have it removed, as this is affecting my credit score negatively and impacting my young family 's ability to grow financially. I was told by the Transunion representative that I would have to submit a written request to the company asking for documentation directed to Transunion to remove the inquiry. Imagine that. A company you don't know and never contacted, pulls your information from a bureau ( only Transunion for that matter ) without your consent, Transunion gives them your personal info without your consent, and then demands you to request documentation to rectify the issue they created by illegally giving out your information in the first place. Absolutely ludicrous!

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 2023-12-20 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-12-20 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: TX

Complaint narrative:
THIS A FOLLOW UP. THE LETTER HAS FTC REPORT ATTACHED. 

I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief