vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-03 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: MT

Complaint narrative:
I am filing this complaint in response to the closed CFPB complaint # XXXX. This complaint was closed XX/XX/XXXX without resolving the issue for which I filed the concern. 

Although my payment count updated to XXXX for my Direct Consolidation Loan disbursed XX/XX/XXXX, this count is not accurate. All of my employment certification is on file for the appropriate months from XX/XX/XXXX to XX/XX/XXXX. Mohela 's response states " The approved employment in the table above, compared with your eligible payment periods, yields a qualifying payment count of XXXX for your Direct Consolidation loan '' ; this is not an accurate count. There is no information currently reflected for the months of XXXX XX/XX/XXXX. As mentioned above, my employment has been certified for this timeframe. My payment tracker is therefore missing 26 qualifying months. 

I am asking again for : 1. An accurate updated payment count. This count will reflect the missing months of XXXX XX/XX/XXXX. 
2. Written Confirmation that I am at 120 payments, and the date/month that I reached 120 payments, making me eligible for forgiveness 3. Written confirmation, including the date, that my information has been sent to the Department of Education, initiating the forgiveness process

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SN SERVICING CORPORATION
State: MD

Complaint narrative:
I was compelled to file another XXXX XXXX, again further damaging my credit history on this same matter of requesting a loan modification, this time ( the servicer ) requested more information on XX/XX/2022, and that information was submitted ( see attachments ) on the same day. Days prior, the Maryland Homeowner Assistance Fund ( HAF ), requested modification records to be forwarded to : XXXX, XXXX XXXX, XXXX, Case ID # XXXX, on XX/XX/2022, again no response. Its obvious this non-responsiveness is a conspiracy to not process a loan modification and my XXXX XXXX XXXX assistance. I wish that you investigate this matter, if necessary, I will escalate these matters to : XXXX. XXXX XXXX XXXX XXXX ( submit ) Privacy Act Form XXXX. Office of the Comptroller of the Currency XXXXXXXX XXXX XXXX XXXX XXXX. Office of the XXXX of XXXX XXXX ( XXXX XXXX XXXX ) XXXX. Federal Trade Commission XXXX. XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: IL

Complaint narrative:
These people are Defamation of my character lying on my credit report, untrue and damaging to my way of life by presented as a fact to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: MD

Complaint narrative:
Starting XXXX XXXX, XXXX, all medical debt less than {$500.00} will not appear on credit reports from the three major bureaus. 
I want Equifax to follow through on this new policy with the following : XXXX XXXX XXXX placed on on my report on XX/XX/XXXX a debt of {$89.00}. XXXX dollars from XXXX XXXXXXXX XXXX XXXX. 

This is a debt I deny ever owing but irregardless, I want removed completely from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NC

Complaint narrative:
Identity theft collections accounts : XXXX. XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX : {$85.00} Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.

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 2023-01-03 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:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry dateXXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, 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 2023-01-03 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: CA

Complaint narrative:
Someone has been using my information to open lines of credit, credit cards and bank accounts. These inquires dont belong to me and should not be affecting my credit score by appearing on my credit reports. Please have these removed ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Inquiry dateXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXnquiry XXXX XXXX, XXXX, XX/XX/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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX XXXXXXXX, XX/XX/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 XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX Inquiry dateXXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: MI

Complaint narrative:
I had filed XXXX separate disputes with best buy/citi group XXXX The first one was over the phone in XXXX of XXXX and the second was online in XXXX of XXXX. The phone dispute i received no official resolution on and kept paying my bill through the process. The online dispute was denied and i was provided with no proof of denial. They stated in the denial letter that they had evidence that the purchases were made and they were not fraudulent which is not possible as they were not purchased by me. A letter was then sent into the company asking for the proof and evidence to deny the claim and we heard nothing back. At that point we stopped making payments on the credit card as we felt upwards of XXXX dollars was not purchased by us. Then the balance increase from apr rates kept increasing. We felt that we were making payment at this point on purchases not made by us and on interest that kept going up based on purchases not made by us. The next time we heard from them was when we received a letter that our account was closed and that they were threatening legal action unless we made payment. We are willing to make payments on what is actually our balance, but again best buy/citi group has provided no evidence or proof of what is ours and what was fraudulently purchased. We are willing to go to court to defend ourselves against the fraudulent charges. Again we are willing to work with best buy on this matter but we will not make payments on a XXXX balance on our account that is not ours.

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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On the evening of XXXX I received 4 missed calls from my bank, Truist Bank. The following morning I returned the call by redialing the missed call. Some answered Truist Bank how can I help you? I proceeded to tell the bank I had 4 missed calls from them the previous night and was returning the call. They asked me if I had approved a {$150.00} XXXX payment I said no, I had not. They then asked to verify it was actually me, asking for my name, dob, address, phone number, ss # which I provided. The next day I rec 'd an email from the bank stating my balance was low. I checked my account and saw I had 2 withdrawals to XXXX, one for XXXX and one for XXXX which left my checking account with a XXXX balance. I immediately called the bank and was told I needed to go into a local branch immediately to file a fraud complaint and open new accounts, both which I did. The gentlemen helping me put a freeze on my checking acct where nothing else could be dispersed but deposits were able to still go in ( I needed my paycheck to be deposited which is set up automatically ). I was told I needed to come back the following day once the transactions ( XXXX XXXX " officially posted '' ) to sign the fraud claim report. Which I did on Friday, XXXX XXXX went in and signed the complaint. I received an email at XXXXXXXX XXXX the following day from Truist saying my claim was denied and I could request the documentation that was used to make this decision. I could not call the bank until Tuesday ( because they closed at noon on Saturday and Monday was a holiday - XXXX XXXX XXXX XXXX observed ) so I called XXXX, XXXX XXXX first thing in the morning and was told by Truist that it shows I approved the XXXX transfer, I explained in detail that I had not. She said sorry I can't help you I asked to speak to a manager or supervisor. The supervisor got on the phone and I again explained everything in detail and she said sorry. I said there has to be some way to dispute your denial. She said no, an analyst reviews it and that is the final decision. I said then I want to file another compliant she said we can not do that. I then said send me the proof where I authorized it and what I was sent was the fraud complaint form which I filled out. I have contacted the Police and filed a report. My banks phone number was apparently spoofed and that is how the thief was about to pretend they were an employee of Truist. I have XXXX control over this. They will not help me in any way what so ever. They simply keep saying I approved it, which I did not.

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 2023-01-03 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: LEXISNEXIS
State: GA

Complaint narrative:
I have a Bankruptcy report on my credit report. I've reached to XXXX and they said that LEXISNEXIS gave the report to them. REMOVE these Bankruptcy report from my credit report immediately. These are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Opened a business checking account with Bank of America. On XX/XX/XXXX deposited CERTIFIED CASHIERS CHECK from XXXXXXXX XXXX in the amount of XXXX XXXXThey froze my account after the funds cleared and put a deposit hold on the check saying the account is under review for a suspicious transaction. Spoke to to fraud department and numerous other departments they lifted the deposit hold on my check and my account is still frozen under review. Every time I call they say there is no update at this time and not giving me any answers. I have a running operating business which I cant use my own money to keep running because they cant even tell me what suspicious transaction or why its still under review. I am in the 2nd month now and still cant use 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 explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I and my granny did an online application on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ( XXXX ) XXXX for a XXXX XXXX XXXX where she co-signed for me, and they called and told me I was approved and granny and I could come pick up the truck. When we got there they showed me and granny the truck and we came back and sat down and signed papers for truck and XXXX nut a downpayment of {$1000.00} down ( that I was not supposed to pay ). At the time I did not realize the annual percentage rate was inaccurate, the finance charge amount was inaccurate, the amount financed was inaccurate, the total number of payments was inaccurate, the monthly payment was inaccurate and I was not supposed to pay sales tax in Illinois because I am not a resident of Illinois ( and was not a resident of Illinois at the time of purchase ), all warranty services they charged me for are not valid ( they said I do not have any active warranty other than the manufactures warranty, and that I had been abused and deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: FL

Complaint narrative:
I am intrested in disuputing all incorrect information on my credit report with Experian. checking my file alot of data is invalid an is hindering m file. I'm intrested in updating all data to clear my 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 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
A " service fee '' of {$15.00} per month has been taken out for the last few years, where i've never had service fee, been a customer for 20 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 monetary relief
Consumer complaint received 2023-01-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. A XXXX loan account ( XXXX on XX/XX/2021 ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MoneyLion Inc.
State: KY

Complaint narrative:
I made a purchase from XXXX and was charged more than expected so i decided to cancel the order. They issued a refund on XX/XX/XXXX. I can see it was sent on the customer account.The bank keeps saying they have not received the refund. I filed a dispute with the bank. Then on XX/XX/XXXX another refund was issued. I still have not received my funds from the merchant and it has been sent to the bank twice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 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: NC

Complaint narrative:
Identity theft collections accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove immediately! 

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. 

Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.

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 2023-01-03 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: NC

Complaint narrative:
Equifax and XXXX! 

You have been provided identity theft documents and police report several days ago and failed to remove these from your credit files! 

I will sue you in court for failure to follow the laws Identity theft collections accounts : 1XXXX XXXX XXXX XXXX : {$1000.00} 2. XXXX XXXX XXXX : {$85.00} Remove immediately!

Also, you reporting a medical collection that I do not consent to and it has been reported as identity theft fraud and it is a medical debt that is under {$500.00}. Under the fair credit reporting act, no medical bills are allowed to be reported under {$500.00} and this {$85.00} charge / medical bill should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I called my mortgage XXXX  ( citizens ) on XX/XX/XXXX to find out how much to pay off my loan. I was told it was XXXX including a recording fee to release the lien. I asked if i could pay that right away and was told i had to either mail a cshiers check or authorize them to take it from escrow. I immediately authorized it from escrow. The woman said no probelm she would make that happen right away. About 3 weeks later I received a late notice. I called Citizens back on XX/XX/XXXX to find out why I received a collection notice. I was told that the person who i spoke to a month prior didnt do it right and he had to remove the late fees and then the next day he would set it up to be taken out of escrow. On XX/XX/XXXX I received another late notice and called to be told it still wasnt done and they didnt know when it would be processed. I explained i needed it done ASAP so I wouldnt have the additional property to be processed by my accountant in XXXX taxes and would cost me more money. Again, sorry but theres nothing we can do. On XX/XX/XXXX I filed a public complaint on XXXX regarding the terrible customer service of Citizens and someone reached out. Assured me that they would get my info to the manager of customer service and get it handled. I still have a balance as of today XXXX. I called into them and was told by the auto attendant that i am late with my payment and have been on hold for a person for 34 mins now.

Company response to consumer: Closed with explanation