vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-15 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: SC

Complaint narrative:
There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I have never signed a contract with US Dept. of Education and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transaction by me as the consumer : US Dept. of Education and 2 addresses I have never associated with showing XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This transaction and addresses should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I have attached the FTC report and proof of my identity. I look forward to your response. Thank you.

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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I was trying to get a loan and they claimed I had to by gift cards with money they deposited to raise my credit score. Now the bank is making ME repay almost XXXX dollars they deposited into my account to buy cards from target. Now Wells Fargo has frozen my bank 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 explanation
Consumer complaint received 2023-04-15 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Dear Sirs/Madam The last late payment for this account capital one auto occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/2020 at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

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 2023-04-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XXXX XXXX  at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sirs/Madam The last late payment for this account XXXX XXXX XXXX occurred in the middle of a DECLARED NATIONAL DISASTER eg Covid 19 I also had entered a payment deferment agreement with the lender for the months prior to the late payment. 
it is UNREASONABLE the lender is not deleting the payment and credit bureaus are allowing it when this happened in XX/XX/ at the height of the pandemic and forced stay at home orders. 
Please help Kind Regards

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Trans union has deleted a credit card account thats in good standing over 2 years. This has caused my score drop about XXXX points recently. The card issuer is XXXX XXXX XXXX  XXXX. I have called trans union and they have no clue what Im talking about. This account is open and in good standing. Please help me get this back on my credit file.

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 2023-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, I purchased via XXXX with a Chase Debit card airline tickets with XXXX XXXX for a flight from XXXX XXXX to XXXX XXXX with a departure date of XX/XX/XXXX and return date of XX/XX/XXXX ( Confirmation # XXXX ). I had purchased these tickets for {$830.00}. I had canceled these tickets at around late XXXX and asked for a refund. My refund request was granted and I began waiting for a refund. 

On XX/XX/XXXX, XXXX XXXX contacted me asking for my banking information for a wire transfer as the card I used was canceled ( which was true ). I sent over my wire transfer information and was told it should arrive within 10 business days. Those days passed and I did not receive that refund in my bank account ( I had asked for the money to be wired to my savings account with XXXX XXXX  and they use Chase as an intermediary ). I called XXXX & Chase to ask if they had received the refund and if it was on its way and both said no money was incoming or did not have enough information to know. I called XXXX about the situation and they told me it would be 'high priority ' I called back 1 week later and was told that the 'high priority ' status meant nothing and that their refunds department made an error and that they would rectify it. It did not get rectified and I called back 3 more times over the month of XXXX, with the last time I called telling me to go take it up with XXXX. 

On XX/XX/XXXX, I opened a claim with Chase and asked them to get the refund on my behalf as XXXX XXXX XXXX seemed unable to do that with my calling. I sent documentation about the steps I took to get my money back with XXXX XXXX, including a refund invoice they sent me as proof that they sent the refund. The refund invoice has the wrong bank account listed on it and is not the one I had sent them. I also sent copies of the emails I had with XXXX XXXX regarding my refund and a copy of my bank statements from XXXX XXXX  to prove I had not received the money. 

On XX/XX/XXXX, Chase Bank denied my claim, saying that as the initial purchase of the tickets was authorized there was no fixing they needed to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-15 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my Target account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping 50 + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX XXXX which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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 — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
XXXX  XXXX XXXX XXXX I was 30 Days behind on my installment loan payments. Im actually never late and this account is set up on auto pay. I was busy attending sxsw in XXXX and wasnt aware of the issue until after the fact it hit me credit score! This account is up to date and paid as agreed. I have less then 2 payments left. 
I want this account removed when I finish. Lowered my score XXXX Points for sketchy reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: NC

Complaint narrative:
Debt validation request was delivered on XX/XX/XXXX and I have not received the requested information within a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
I have filed an dispute with XXXX twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( Affirm ). I did another dispute and attached my documents XXXX still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've asked that Transunion update my consumer report with my correct name. And there is a bankruptcy XXXX XXXX on my credit report, and I asked how and who did Transunion speak with and names relation and addresses to whomever they spoke with that validated this bankruptcy. I have not received no response.

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 2023-04-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PNC Bank N.A.
State: WI

Complaint narrative:
The interest on the loan isn't correct the interest rate is 3.14 % the original loan was {$27000.00}. The due day is normally around thr XXXX of each month I am making early payments.For example on Date. Principal. interest. Total XX/XX/XXXX. {$400.00}. {$60.00}. {$460.00} XX/XX/XXXX. {$400.00}. {$48.00} {$450.00} XX/XX/XXXX. {$6.00} XX/XX/XXXX. {$410.00}. {$56.00}. {$470.00} XX/XX/XXXX. {$420.00}. {$44.00}. {$470.00} XX/XX/XXXX. {$400.00}. {$50.00}. {$450.00} XX/XX/XXXX. {$11.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have filed an dispute with Experian twice now. I also spoke with the company who reported the information. They admitted that the information was incorrect but I would have to wait 30 to 60 days for it to update. I have the chat messages as well as a statement from the company ( XXXX ). I did another dispute and attached my documents Experian still didn't change the information. They said that it stands. But the information is wrong, the balance and late payments. I made two payments in XXXX, and my balance is way less then what they have reported to Experian.

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 2023-04-15 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:
I sent in my annual PSFL re-certification so my previous months quality towards my loan forgiveness. I sent the form in on XX/XX/XXXX. But on XX/XX/XXXX. Mohela said it was a duplicate and canceled my form. I have not re-certified since XXXX XXXX with federal loan servicing. 

So on XX/XX/XXXX I emailed Mohela through their online customer service portal about the error. On XX/XX/XXXX, I received this response from Mohela : MOHELA 's Response : Thank you for contacting MOHELA, We apologize for the inconvenience. As of this writing a request was submitted to have your PSLF application reprocessed. You will receive notice when processing is complete. 

If you have any additional questions regarding your PSLF application, please call toll free at XXXX. XXXX XXXX XXXX. to XXXX XXXX., Tuesday through Friday XXXX XXXX. to XXXX XXXX., and Saturday XXXX XXXX. to XXXX XXXX XXXX. 

However, on XX/XX/XXXX, Mohela canceled the PSFL form. I then sent another message to their customer service, but no one is responding to me. 

My total loan payments is supposed to be 113 payments and I am supposed to have loan discharge by XXXX of XXXX. Instead, because Mohela refuses to certify my XXXX, the system still has me down as only having made 100 payments. 

I never had these issues with XXXX XXXX XXXX. Mohela is a nightmare and trying to sabotage me from having the correct number of payments made/counted and preventing me from having my loans discharge by XXXX XXXX, because they will not be able to financially benefit from it. Congress needs to investigate this ASAP. A quick XXXX search on this and thousands of students are having the same issues with their PSFL and Mohela. It's so widespread, it is even discussed about on reddit. The re-certificationperiod is for XXXX XXXX XXXX XXXX XXXX. I always make sure to send an annual PSFL so my correct payment counts are corrected annually. 

I need help getting my payments certified so my total payments gets adjusted. I need CFPB help! Again, I am supposed to have 113 payments made, but Mohela is only counting 100 as they keep rejecting my annual PSFL certification. 

Thank you!

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 2023-04-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
I don't know if I selected the right things so I apologize in advance I used XXXX through my banking app I use Bank of America I got scammed out of renting a home and the only reason I even felt comfortable sending money to the person was because I literally got a notification before sending that since this was a new person I would be protected for 24hr Please remember the 24hr part ... 30 MINS MAX LATER after sending it ( not even close to the 24hr mark ) I canceled it thinking there would be no problem I lost {$410.00} because of XXXX and Bank of America lying to me I talked to 10 different people maybe max and each person from that company told me not to worry That the claim was in my favor Each And Every Person told me not to worry... .that it was in my favor. That was also clearly another lie and I don't understand why I clearly never got to move lol my address on my bank account is still the same I have reported to the fbi and I am finding other scams and reporting those also

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I never received any information regarding there was an amount due on the account. I was then notified by email and text that I had a 30 day past due account showing on my credit report. Upon checking, I realized it was my XXXX account with a balance of XXXX. I immediately contacted them and paid the amount. I also explained that I had never received any correspondence regarding this. I pleaded with them to please have the 30 day late removed since this account had never been late. This one 30 day late payment dropped my credit score a whopping XXXX + points. I just feel that one oversight on a consumer 's behalf should not result in them being so harshly penalized. Not to mention, that if I had been sent some type of notification, I would have addressed this immediately. It was a mere XXXX bucks which I definitely could and would have paid prior to it being reported to the credit bureaus as a 30 day late payment.

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 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT correct.

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 2023-04-15 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have reviewed my report recently. There were names and addresses on it that are incorrect, spelling errors or just plain wrong. PLEASE FIX EVERYTHING in my personal information that is NOT correct.

Company response to consumer: Closed with explanation