vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I had a XXXX  consultation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida for dental work. His office is located at XXXX XXXX XXXX. During the consultation he advised me that I needed XXXX crowns or I would lose all my teeth. He also asked me how much I could afford per month. He advised that he would charge {$10000.00} for his services. 

On XX/XX/XXXX, I went in for about an hour and a half of dental work to have XXXX temporary crowns put in and I followed up in XXXX for the permanent crowns. During this time I began receiving bills in the mail from a company called Care Credit, and I had learned that an application had been filled out in my name and I had been charged interest at the time of consultation. In fact, had I known XXXX XXXX applied and already charged me for the services not even rendered on XX/XX/XXXX, I would have run out of his office and never seen him again. 

Things took a turn for the worse as I experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I saw XXXX additional dentists, advising me of bad work performed by XXXX XXXX ( malpractice ), XXXX of the XXXX XXXX having to be replaced and now needing XXXX full implants - work that now will likely cost {$30000.00} or more to repair the damage he has done to my teeth and bones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely disappointed that a doctor could take advantage of me by filling and/or doctoring forms to procure a credit card in my name, charging credit for services before they were rendered and then rendering services so bad so as to cause financial damage more than XXXX times the cost of what was charged. 

I would like it notated that my husband assisted me with writing this letter and all statements contained herein are a matter of fact and 100 % truthful.

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 2023-10-18 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: IN

Complaint narrative:
I have 8 federal loans from attending the University of XXXX. On XX/XX/23 6 of those 8 federal loans were put into administrative forbearance by Mohela due to a pending IDR request. 2 of my loans, however, were not placed into administrative forbearance ( DL Student PLUS, XXXX XXXX and XXXX XXXX ). I have called Mohela every week since then and have received conflicting information, in addition to a delinquency notification on my account, which is the nature of my complaint. 

Around XX/XX/23, XXXX at Mohela informed me that he placed a request for the remaining two loans to be placed in forbearance. When I called to check in on the matter last week, I was told that those loans will not be placed into forbearance because they're DL Student Plus Loans. Then, on today 's date, I contacted Mohela again, and this time they said that there is still a request to have them placed into forbearance. 

I contacted Mohela multiple times well before my due date of XX/XX/23 because I can not pay, hence the nature of my IDR request. The due date came and went without word from Mohela, however, and now my account is being considered " past due '' and " delinquent ''. 

I have never missed a payment, I am a XXXX employee with over 45 PSLF qualifying payments, and I have a credit score of well above XXXX. My finances are very important to me, as is my PSLF. I am writing to advocate for an immediate response regarding Loans XXXX and XXXX.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Bank of America opened a credit card in my name, without my permission somewhere around XX/XX/XXXX to XXXX/XXXX. I contacted them in XXXX of XXXX to inform them that I did not authorize this account. They told me that I had a balance of {$20.00} on it. I said I did not make that charge. She said it was a yearly fee. Then she said they would have to wait a month to see if any other charges came in. I received a letter XX/XX/XXXXthat it has been resolved. They let me believe that I was hacked when in fact they illegally opened this account. I froze all my accounts, then unfroze after reported on the news that this is what they have been doing.

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 2023-10-18 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
When I went to school at XXXX XXXX the only federal loans available were under the XXXX program. I applied for debt relief and as part of the XXXX XXXX XXXX lawsuit was granted discharge and a refund for any payments made to the department. The fact that Navient will not refund any of the payments made after a finding by the department is unethical. A class action needs to be filed!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XX/XX/2021, I was alerted of a collection on my credit report for an electric company known as XXXX XXXX XXXX. The collection amount was for the total of {$320.00} at the time. When I realized that I had no idea what the collection was about, I called the number provided in my credit app and call. I started a dispute where I stated that I had no idea what this was about and assumed it had been resolved in 2021. However, on XXXX XXXX, my credit was hit again by the same debt and affecting my credit again. I have no idea who this is. I was ask to make another report on here, my local law enforcement and to submit the claim to have this removed again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: FL

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
my checking account with bank of america was flagged as fraudulent after depositing a check from the XXXX XXXX i filed a dispute and the matter was resolved. however after a year the same report stating suspected fraudulent activity appeared on my consumer report once more. i contacted bank of america all they did was tell me to file another dispute. even though i asked why they put this on my account they wouldnt give me an answer.

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 2023-10-18 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: Nelnet, Inc.
State: OH

Complaint narrative:
Ive made XXXX - {$620.00} payments this month. The balance has not updated but in-fact increased by {$700.00}. Ive been logging in everyday and taking screenshots because my balance keeps increasing with no explanation and I have not taken any loans out and have been paying MORE than required. Ive called everyday and there are 3+ hour hold times. No one answers the phone. I feel completely helpless and like my debt keeps increasing and no one is explaining anything and Im paying money thats not being applied to the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Remove All Fraudulent Accounts 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Here 's the facts : 1. I have moved several times in the past XXXX  or so 2. I lost my phone number and didn't get a new one for several months 3. Apparently my password for their security freeze website doesn't work 4. I am attempting to get a car loan, but I can't because my credit is frozen ( because of the XXXX hack in 2015 ) Experian : 5. I attempted to recover the password online, however, the only option they provide is to send a text message, but they don't know my phone number and I don't have access to the old number. I still know the answers to my security questions, and I have the XXXX  they assigned me, but they are not using these. 

6. I attempted to recover the password via phone, however, they only option they provide is to verify my identity by SSN and address. I don't know which address they have on file, so I can't put in a correct number. I tried the last three addresses, but none worked. 

7. There is no option to talk to a person to sort this out.

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 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-10-18 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: NY

Complaint narrative:
These accounts are not mine, they have incorrect information and greatly affect 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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I looked at my credit report and have inquiries on my credit report that i did not approve, authorized, or apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I received a credit inquiry from my XXXX credit report. The inquiry was from XXXX XXXX, which I have never applied for before. Apparently, who ever stole my identity used a different address based off Washington DC. I have never lived in Washington DC, I am from XXXX Florida. I have contacted the credit Bureau and they have disputed the inquiry, address and phone number from my credit report. They have also placed a credit alert on my account, which will notify me of any new inquiries.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX XXXX ACCOUNT # : XXXX PORTFOLIO RECOVERY ASSOCIATES IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM.

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, NAVY FCU Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX + XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX. This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am a victim of identity, fraud identity theft, misrepresentation and theft by deception and unauthorized use of credit I reported to all agencies about the unauthorized use of my credit the list includes XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX  Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 JPMCB CARD SERVICES Inquirv : XX/XX/2023 XXXX XXXX Inquiry : XX/XX/2023 XXXX Inquiry : XX/XX/2023 I lost my wallet with my State Identification card in it. On XX/XX/242023 I noticed an inquiry on my credit report from XXXX XXXX XXXX XXXX This information was reported without my knowledge or consent. I am a victim of identity theft and fraud as have filed a police report with the FTC under report number XXXX. These Companies has violated the Fair Credit Reporting Act by reporting information that is false or known to be false. They ignored the fraud alert on my profile thus violating my right to privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I had a Chase Reserve credit card with {$620.00} annual fees ( It is now downgraded to Chase freedom - no annual fee credit card due to how badly their customer service handled my request for info on why so much interest charged for a small underpayment ) and recently faced two problems.

1. I had the above card for several years and never missed a payment, always paid in full. In XXXX 2023, I was traveling and setup an estimated payment of {$3500.00} a week before due date and didn't notice some tail end charges that added up to {$3700.00}, so it was {$260.00} shy. For this miss, Chase charged an interest of {$56.00} within 2 months ( i.e {$330.00} per year ). This seems like predatory, loan shark kind of behavior. 

2. On their website, they boldly advertise " Complimentary Airport Lounge Access '' ( please see : XX/XX/XXXXXXXX ) and we paid the fees for that advertised benefit. On XX/XX/XXXX, when I tried to use this benefit, I was denied access to the empty lounge - they stated " it was reserved for VIP passengers ''. I asked Chase to compensate me for this experience ( expecting maybe a {$50.00} credit - typical lounge paid access cost ) but instead their customer service chose to point me to the fine print which I am sure is buried in there somewhere. So at this point, I am requesting a refund of the full {$620.00} paid in annual fees for this card for the last year - I was advertised a benefit that they were unable to provide when it mattered- and that is false advertising imho.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX Account Number : XXXX It's showing that I have one late payment report. I am just asking for validation of the debt to help me better understand the basis of the debt and evaluate it for myself and I believe that the late payment it's inaccurate. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax credit reporting is refusing to work on the disputes I submitted and sent out a bogus letter be email saying that they did not know if it was me. That is XXXX and just a delaying tactic. 

I want Equifax to fulfill their legal obligation to work on the disputes that I have submitted and remove several late payments that are incorrectly being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fairway Independent Mortgage Corporation
State: CA

Complaint narrative:
I reached out to Fairway Mortgage and I was told that they will not be extending my disaster forbearance plan. I will also be requiring to repay the XXXX  months of prior forbearance within XXXX  months, i do not have that type of funds to repay them back. 

My case is approved for a forbearance feature based on XXXX XXXX lending guidelines. I feel like Fairway Servicing isn't properly doing their job and creating a hassle to not grant me forbearance access. My property is damaged due to the natural disaster and i am working with local jurisdiction to granting permit approval to get work done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I filed the same complaint XX/XX/XXXX, under complaint number XXXX. Recap, both Transunion and XXXX continues to report the error. XXXXXXXX XXXX has reported three late mortgage payments, which took place during the Cares Act forbearance period, and signed into law XX/XX/XXXX. I have 2 mortgages and a HELOC. In my first complaint the error was made in mortgage # 1 and to remedy the error the bank has moved the error to mortgage # 2. Neither mortgage or HELOC should have recorded delinquencies during the forbearance period. The error has resulted in a decline of my credit score and the reduction of lines of credit available to me, in several accounts. Why is the bank permitted to play XXXX? This error has resulted in a financial hardship to me and continues. Please address with them.

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