vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-16 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: MD

Complaint narrative:
I notice unusual account activity, receive credit cards or bills for accounts they did not open, receive collection notices for debts they do not owe, have email or password changes they did not initiate, see suspicious activity on their credit report, or receive phishing attempts asking for personal 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 explanation
Consumer complaint received 2023-02-16 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: MO

Complaint narrative:
XX/XX/22 Negative Acct. Balance on Commercial Student Loan ( {$560.00} ). 

XX/XX/22 : Requested a refund and was told by a MOHELA rep it would auto credit to my checking acct that was used for monthly auto payments. Should be 30- 60 days. 

XX/XX/22 : Emailed MOHELA for status update. Did not reply for months and when they did they did not address the issue but used canned language " hope your issue has been resolved. '' XX/XX/22 : Was told by MOHELA rep that MOHELA erred and sent the overpayment to XXXX ( another loan servicer ). I did not have an account with XXXX XXXX. MOHELA would not resolve and said I would have to get the funds from XXXX. 

XX/XX/22 : Contacted XXXX who said MOHELA should not have sent any funds to them since I didn't have an acct or loan with them. They noted they would have to research and if they were able to locate the funds, the funds would be returned to MOHELA rather than me. ( Note : Funds would be returned to MOHELA ( if they found them ) no later than XX/XX/22 ). 

XX/XX/22 : Was told by MOHELA rep ( supervisor ) that MOHELA erred and they should have sent funds to me ( rather than XXXX ). I shared what XXXX had indicated. Rep said funds were sent to XXXX on XX/XX/22 but would try to stop payment ( if XXXX had not dealt with the payment yet ). Rep noted Dept. of Ed had already approved those funds being returned to me so it should not take 30-60 days. Rep would request this date that MOHELA Acct. submit payment to me. Rep would keep an eye on my account and if not resolved within 60 days would contact me. I have not heard from MOHELA. 

XX/XX/22 : MOHELA Rep ( Supervisor ) said funds were still with XXXX and the ONLY option would be for MOHELA to take those funds and apply them to a new loan. She indicated this should take no longer than XXXX weeks. I indicated this solution was not acceptable but to at least begin taking steps to get the funds back from XXXX. She agreed to contact me in XXXX weeks ( a week after she said it would be resolved ) if my account had not been credited. I have not heard back. 

XX/XX/22 : Complaints filed with : XXXX ) XXXX XXXX ( Executive Director and CEO of MOHELA - XXXX ) ; XXXX ) Congressman XXXX XXXX ; XXXX XXXX Consumer Financial Protection Bureau ; and XXXX ) Dept. of Education Ombudsman Office.

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 2023-02-16 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: CA

Complaint narrative:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer ; ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : Fraudulent Accounts ( 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 2023-02-16 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: CA

Complaint narrative:
My credit card was stolen and maxed out and a loan was taken out of my name, .Here are the two accounts though both credit bureaus have different account numbers. I was told by the credit bureau my accounts were investigate it properly why do I have to different account numbers. Where is my signature signing off on this? 

XXXX. Trans Union XXXXXXXX XXXX Account XXXX {$7400.00} XXXXXXXX XXXX  : Account XXXX {$11000.00} XXXX. XXXX XXXX XXXX Account XXXX. {$7400.00} XXXX XXXX  : Account XXXX. {$11000.00}

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
In XX/XX/XXXX, I closed my XXXX account. At the time, XXXX said there was a router/modem that needed to be returned. I explained that the item had been taken by a technician due to it not working. XXXX  verified this by checking when it was last turned on/used. They said the issue was resolved and there was no more owed. Now, in XX/XX/XXXX, I received a letter from CBE Group saying I owe XXXX  ( Charter ) {$59.00}. When I contacted XXXX, they said it was for a missing router/modem. I explained to them again, but have not had luck in getting this debt discharged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on XXXX dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: TX

Complaint narrative:
XXXX is deliberately suppress my actual payment amounts from the nationwide consumer reporting system. This failure to report actual payment data means my credit reports are missing fundamental information about my credit card repayment behavior that could help my receive better financial offers and save on interest expenses. My credit reporting on Experian dropped XXXX points as of XX/XX/2023 as the result of increase of one card 's balance, but no reporting of the significant decrease of XXXX card balance from {$4000.00} to {$2500.00}. By suppressing actual payment data, XXXX is making it harder for me to shop for credit and save money on major purchase such as refi home, home improvement, business credit or vehicle.

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 2023-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
on XX/XX/2017 i filed a wellsfargo claim for unauthorized acounts i never received my settelment. the past XXXX years i have had atleast XXXX other disputes including identity theft. i have coverage XXXX years free at Wellsfargo through XXXX and i have my own coverage with experian. 
during the past XXXX  years i have not received any of the settelment money. someone using my name reported me to be from XXXX XXXX to get a way with there theft. i am American born and raised in XXXX Georgia. The person of intrest is an old neighbor who works for WellsFargo her name is XXXX XXXX. her and her Mother XXXX XXXX has stolen everything every dollar in my name that was credited by Wells fargo and they done the same thing with my cash app. When they do send a check its wrote out in us. Dollar instead of usd. i am seeking reinburstment from wellsfargo for the scam ran by there employee and to receive my identity theft insurance claim there scam involves violation of my privacy and postal fraud. 
they have a friend who is spying on my home through the cable service at XXXX. he now works for a service called id based in XXXX. XXXX lives in XXXX  and still works for wells fargo. all the checks sent to me from wells fargo dating back to XX/XX/2017 should be resent in full amount to me and me only. XXXX XXXX added my name to some class action registry i never authorized i want my name removed from the class action i want to be reinburst gor each check pain and suffering and identity theft insurance. 
XXXX XXXX XXXX and XXXX all have claims on my name that are fraud i am not under any contacts i am not an entertainer i am not married i have no dependants.I have never lived out side of georgia i live in XXXX georgia where i have live the past XXXX  years/

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 2023-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I sent MOUNTAIN AMERICA CREDIT UNION a usps money order with stipulations and provisions on the money order stating the following I accept your offer in the amount of {$700.00} for valuable consideration & tender this payment for the complete amount in accord & satisfaction upon redeeming this instrument. 

MACU accepted my money order through the mail according to postal rules, and is not recognizing the debt paid in full. As a fiduciary holding my property in the form of my signature they are not doing their trustee duties and stating I owe the debt still, which is extortion. I placed on the money order XXXX XXXX XXXX XXXX that states a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. 

( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. 

And if MACU doesnt accept my payment the debt is paid in full according to UCC 3-603. 
By not following or recognizing my negotiable instrument with UNIVERSAL COMMERCIAL CODES ( MACU ) is partaking in fraudulent business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Kovo
State: MI

Complaint narrative:
XXXX keeps reporting fraudulent items on my credit report. The account is Kovo Inc I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account XXXX XXXX Department of Ed/XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
I have been attempting to have my loan forgiven under the PSLF waiver since XX/XX/XXXX. I have worked for the federal government and been paying my student loans for 20 years, but I was under the wrong repayment plan, so I should be covered by the waiver. However, because XXXX, my previous servicer, only supplied 3 years of payment information ( XXXX ) to XXXX originally ( XXXX is the servicer who I consolidated with so I was under a direct loan to be eligible for the waiver ), I have now become entangled in some forgotten web of reconsideration. The federal loan servicer contract was moved to Mohela. Prior to moving to Mohela, XXXX stated they only showed I had 39 payments because they only had payment history from XXXX from XXXX, but they could see that I began paying in XXXX, so they told me to request a reconsideration with the Department of Education ( which I did in XX/XX/XXXX ). I have requested a reconsideration but have not heard anything. I requested XXXX send me my loan history and they supplied payment information going back to XXXX so they had the information and just didn't supply it to XXXX ( I supplied to both the Department of Education and Mohela, but they need it directly from XXXX ). I have called Mohela several times since my loan was transferred and I keep being told that it is being processed. However, today, I asked to speak to a supervisor because my loan payment totals have not changed since the initial incorrect count so it does not appear that anyone is doing anything in the review. I waited for 2 hours to speak to a supervisor and when I did, XXXX the supervisor, told me that Mohelas contract does not apply to consideration of the waiver for pre-consolidation payments ( XXXX ). He told me that that Department of Education is the only one that can apply the waiver and that I had to call them. He provided me the Federal Student Aid Ombudsman Group number, XXXX. I then called them. The Ombudsman Group says Mohela is the only one that can apply the waiver, that they cant provide me any information about my request for reconsideration case # XXXX, and that they dont know why Mohela told me that because Mohela is responsible for considering pre-consolidation payments. At this point, no one is willing to review my full loan history and apply the waiver. Mohelas supervisor was adamant that their contract does not apply to any loan payments prior to my XXXX loan consolidation. Im seeking your assistance in having someone at Mohela review my file and apply the waiver to forgive my federal loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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

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 2023-02-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
On XX/XX/XXXX, I used my Paypal Credit account to purchase a XXXX Language Course thru XXXX. I got sick and went into the hospital and was never able to use the service. I never activated or downloaded the course. As I ordered it less than a week ago, I called and emailed XXXX XXXX XXXX XXXX XXXX to cancel my subscription, and to refund the charge back to my Paypal Credit account. On XX/XX/XXXX. I received correspondence that the seller agreed to issue a refund. On XX/XX/XXXX, I was told by Paypal Credit customer service rep that they decided not to. That I would have to file another dispute through the Resolution Center of Paypal asking for a refund. Also, while I was waiting for my refund my billing statement came, and there was a {$41.00} late fee attached to my account. This is an enormous amount to charge a Consumer who has a dispute on their account, likewise, I paid more than the minimum that was due, only to be told that the {$41.00} was added because I was three days late. My billing period ends on the XXXX It was due on the XXXX and I paid on the XXXX of the month. Creditor should not be charging these outrageous late fee amounts to make the Consumer more in debt to the Creditor.

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 2023-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
I applied for a modification and on XXXX/XXXX/2023 SPS sent me a letter saying my application was incomplete because it was missing the RMA with hardship letter and a Short Payoff offer. I was told to submit the needed information by XXXX/XXXX/2023, so I submitted the missing information on XXXX/XXXX/2023 ( I have attached proof of both items being uploaded before the required date ). 

Despite making the information available on time ( even before it was due ). SPS sent me one letter on XXXX/XXXX/2023, saying I did not submit the information and my application is still not complete. In this letter they give me another opportunity to send this information ( that I already submitted ) by XXXX/XXXX/2023. but may still foreclosure on me any time after XXXX/XXXX/2023. The very next day SPS sent a letter saying they could not assist me because they did not receive an answer from me. I am appealing this because they most definitely received an answer and all of the information they requested. In the meantime, I will not be surprised to receive another scheduled foreclosure date because they almost always send confusing, conflicting information and still move forward with scheduling a foreclosure sale. 

I am attaching each of the letters sent by SPS and proof that the requested information was submitted in time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16 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: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
LITIGATION : I have not been supplied proof per doctrine of estoppel by silence. Engelhardt V. Gravens mo. 281 SW 715,719. I presume no evidence of the Alleged Debt therefore exists

Company response to consumer: Closed with explanation