vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: World Acceptance Corporation
State: KY

Complaint narrative:
The bank : World Finance Corporation Personal Loan XXXX XXXX XXXX XXXX, SC XXXX United States XXXX This pertains to identity theft. I am contacting you to inform you that this bank opened a fraudulent personal loan under my name. Despite the individual who opened the account spelling my name incorrectly and having the incorrect address, they opened the loan. It affected my credit score and it also caused me great emotional distress at home and at work. I submitted all of the paperwork they requested and created an account with identitytheft.gov. The bank initially did not respond to my emails or phone calls. I had to continuously email and call. Despite it being almost the 30 allotted days since they obtained my required forms and information ( XXXX ), they did not have their compliance team investigate until XXXX on XXXXXXXX After continuously contacting and sending extra paperwork, I am just now finding out that they did approve my dispute. My concern is the length of time it took ( I do not care if there was a holiday during that time, it was a mistake on their part ). They did not issue an apology. Additionally I am seeing based of review online both at XXXX XXXX XXXX and elsewhere that this is not uncommon. My understanding based off the information on their website is that personal loans require much documentation from the customer. They took fraudulent documentation, did not investigate it, and allowed someone to use my identity to open a line of credit. This bank 's business practices and their practices regarding how they approve their customers needs to be investigated. It is unacceptable to open a fraudulent account with a fake address and name spelled incorrectly. 

I want an apology for the amount of trouble I went through to correct THEIR ERROR and I want their business practices to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please see attached documentation to meet demands in a timely fashion. PLEASE DO NOT SEND ME A LETTER VIA MAIL SAYING YOU DO NOT RECOGNIZE OR DO NOT THINK THAT IT IS INDEED MYSELF, XXXX XXXX XXXX AND YOU CANCEL THE COMPLAINT!!!!! I HAVE SUBMITTED MY ID AND MY SOCIAL SECURITY CARD AS VERIFICATION THAT I, XXXX XXXX XXXX, AM SUBMITTING THIS ALONE WITHOUT ANY THIRD PARTIES OR INFLUENCE!!!

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 2024-01-24 00:00:00
Product: Credit 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: NY

Complaint narrative:
In XXXX of 2021 I purchased windows from Home Depot, and opened a Home Depot credit card which offered 24 month interest free financing. 
I originally decided on the grid style which cost {$11000.00}. A day later I changed the style to the no grid style which cost {$10000.00}, which is {$1300.00} less expensive. I was given a change order amendment form which documents this change along with the difference in price. 
When I received my first credit card bill, it showed my starting balance as {$12000.00} which is not the {$10000.00}. adjusted purchase price. 
I have called both the contractor, and XXXX credit services several times to not only correct the discrepancy, but to explain to me the charges, which they can not. They simply tell me what they see on the screen. 
They requested my proof of the change order amendment document which I faxed to them on XX/XX/2021 via a XXXX store. After no response, I contacted them again, and they said to wait and someone will be in touch. No one did. 
As the 0 % interest period was coming closer I wanted to transfer my remaining balance to a new card, so as to avoid the impending interest charge. But in doing so would mean paying off this incorrect balance which is obviously ridiculous. 
So after more attempts to resolve this matter, I am still to this day - stuck with a credit card balance that is incorrect, as well as an additional $ XXXX in interest that they are now charging because the 24 month interest free period has expired.

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 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2024-01-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I called the credit reporting agencies letting them know them know the inquiries and account are unauthorized/not suppsoed to be visible on my consumer report. Never gave them permission or consent to report unauthrorized account. This is aggravated identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
I have been trying to contact Mohela, my student loan servicer, for months!!! they do not answer the phone. they give no indication of how long you will be waiting on hold. they dont give you an option to receive a phone call. They are denying my submissions for PSLF certification and I can not speak to anyone. this whole process has been horrible. I have attempted to contact the federal student aide department and all they say is they are too overwhelmed to take any calls. so who protects us? all the govt agency are turning us away. are we supposed to just default on our student loans?? there is no help for any of us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: MA

Complaint narrative:
Subject : Urgent Complaint - Incorrect Payment Allocation by ServiceMac To Whom It May Concern, I am writing to file a formal complaint against ServiceMac regarding an erroneous payment allocation issue that has happened on XX/XX/year> and has caused financial inconvenience and requires immediate resolution. 

I recently purchased a new construction condo unit within a community consisting of XXXX units. The community has a master parcel for tax purposes, and each unit is responsible for reimbursing their portion of the quarterly tax bill. For the 2024 XXXX real estate tax, the total bill for all units in the community was {$9900.00}, and my specific portion amounted to {$210.00}. 

Unfortunately, there has been a significant error in the payment allocation process by ServiceMac, my mortgage company. Instead of deducting the correct amount related to my unit 's tax responsibility, they erroneously paid the entire {$9900.00} from my escrow account, which pertains to the master parcel and not my individual unit. 

I have made numerous attempts to contact ServiceMac to rectify this error, but unfortunately, their response has been unsatisfactory, and I am yet to receive a resolution. This situation has caused undue financial strain as the incorrect payment has not been refunded to my account. 

Despite multiple attempts to contact ServiceMac, there has been no meaningful action on their part. Their response has been inadequate, and they insist that it was not their fault. Furthermore, they have indicated that the resolution process may take up to three months after a thorough review and verification, a timeline that is wholly unacceptable given the urgency and nature of the issue. 

I request your intervention in addressing this matter promptly. I am seeking the following resolutions : 1. Immediate refund of the overpaid amount of {$9900.00} to my escrow account.

2. Clarification and correction of the payment allocation process to ensure such errors do not occur in the future.

3. Compensation for any associated fees or charges incurred due to this error. 

I believe that the Consumer Financial Protection Bureau ( CFPB ) is the appropriate authority to investigate and resolve this matter. I am formally filing a complaint and seek your assistance in facilitating a swift and fair resolution to this issue. 

Thank you for your prompt attention to this matter. 

Sincerely,

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 2024-01-24 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: NJ

Complaint narrative:
XXXX XXXX payments were around {$600.00} XXXX XXXX received information about payments restarting and was calculcated at a similar rate. I signed up for the SAVE plan XXXX XXXX Did not have any payments taken out. I called on XX/XX/XXXX and inquired. At this time they stated that there was an administrative hold on the account and that I owed {$850.00} per month despite being on the SAVE plan. During this time I asked for additional clarification and they stated that I would not need to start repayments for the next XXXX months but that it would be removed automatically from my account at that rate ( {$850.00} ). I reported concerns with the payment rate and requested it to be reviewed for accuracy. 
XXXX Received correspondence that XXXX payments were due in XXXX at the rate of {$960.00} without any additional updates on why the increase occurred. There was no recertification or any changes in the information provided, just an increase in payment yet again. This has made my increase from XXXX to XXXX at around a 50 % increase in cost. I called on XX/XX/XXXX and spoke with a trainee for over XXXX hours and they indicated that a supervisor would review ( XXXX submitted ) it but that no money would be taken out of my account in XXXX and to await further correspondence. They also indicated that I did not need to recertify on XX/XX/XXXX, but that I could wait until XXXX XXXX A payment of {$960.00} was removed from my account. I have called XXXX days in a row and been hung up on twice. I have also requested call backs and no calls have been provided. A supervisor has not contacted me despite requesting their services each time. I was also told that I need to recertify by XX/XX/XXXX. No one has been able to answer my questions and the company continues to avoid contacting me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
The audacity! I have said repeatedly, remove all names but 1. Remove all address but 1. Remove all jobs. Then Experian posted a fraud alert with a phone number listed to call first, which I have repeatedly said remove all phone calls but 1. 

This company and the many other 40 some agency in banking, credit, reporting, all are acting and behaving like 6 year olds. Do not listen, and further Perpetuate this operation which keeps the record filled with incorrect information relating to misinformation and bad credit status. 

I have repeatedly instructed that its a violation of my rights to have this material listed and please remove it. 

Im told one told, and find the actions are something completely other than what was discussed. 

Unfair, unjust, unethical and fraudulent conduct continues with this greedy rotten industry thirsting off my credit and sharing none. 

This has gone too far.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This bank of America. Told me my checking account will be closed. That " was on XX/XX/XXXXXXXX XXXX XXXX They gave me a date of closure to bet set on XX/XX/XXXX. I told them I received XXXX from XXXX and requested a hardship. To withdrawal my money before holidays and was denied, because they was still processing a claim! So I waited till the XX/XX/XXXX, to see when my check will be mailed after closing. They made me wait XXXX days. I them called bank XX/XX/XXXX and was told they have no set closure date yet, And said that XX/XX/XXXX was just a estimated date of closing account. I have not commit no fraud or suspicious illegal activity. Now here it is almost 60 days later. I still have no access to my checking account that has around {$3200.00} cash. I'm unable to buy groceries essential needs, laundry detergent, this has put a lot of stress and damage on me mentally and physically.

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 2024-01-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized INQUIRIES : XXXX XXXXXXXX XX/XX/year> XXXX XXXXXXXX XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: FL

Complaint narrative:
I have requested my XXXX XXXX ( over 10 years working for the state and federal gov ) be credited properly to my account and my loan be forgiven. Also, I am now XXXX ( verified by fed gov ) and MOHELA won't acknowledge that either. Its been a nightmare dealing with them, please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: DC

Complaint narrative:
Dear FTC, Subject : Report of Unauthorized Hard Inquiries on Credit Reports I am writing to file a formal complaint regarding unauthorized hard inquiries on my credit reports, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). The unauthorized inquiries are as follows : Name Requested On Reporting Agency XXXX XXXX XXXX Transunion XXXX XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX  XX/XX/XXXX Transunion XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX via XXXXXXXX XXXX XXXXXX/XX/XXXX Transunion XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XX/XX/XXXX Transunion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 I believe these inquiries have been made without my authorization and are adversely affecting my credit report. I request your assistance in investigating this matter and taking appropriate actions to address this violation. 
Thank you for your attention to this matter.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 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 an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Upon reviewing my credit report, I have noted that the aforementioned medical collections account, related to services rendered on XX/XX/2023, in the amount of {$1000.00}, and additional charges of {$930.00} has been reported despite the fact that it does not meet the criteria for permissible reporting under the No Surprises Act. 

On XXXX XXXX I was notified but Experian that this account was verified as reporting accurately even after reporting that this creditor was in violation of the No Surprises Act.

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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX I HAVE Nothing to do with this account and I request for it to be removed and my credit score fixed and updated. 

Account number XXXX Amount {$1800.00}

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 explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Google Compare Credit Cards Inc.
State: TN

Complaint narrative:
XXXX suspends my google pay fa no reason abd i have money in account its a error on they end when u fill out fourms u get a email message from google pay support and automsted message saying u fiiled out wrong form no matter wht whit proves they system is automated and has no real people trying fo fix simple issie i uploaded identification and payment proof plus yall hold my money which is not legally yalls ground for a big law suit

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 2024-01-24 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: WI

Complaint narrative:
Hello, My complaint is the Experian and how they seem to try to hide the option to freeze your credit report while trying to push their paid service. It is very hard to find the option to freeze your credit. You have to go look at their paid service and scroll all the way to the bottom of the page past all of the marketing to finally see the option to freeze the account. Before I found that I actually had to XXXX " experian freeze '' to get a direct link to the page. There is a reference to freezing your account when you click on the free plan details, but it is a single sentence at the bottom that you again have to scroll to.

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