vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
My loans at the start of XXXX were with XXXX. I faxed a PSLF helptool to Mohela on XX/XX/XXXX and I signed up for IDR on XX/XX/XXXX. I have attached the applications for proof. The XXXX XXXX tax information was faxed to XXXX on XX/XX/XXXX because the IRS data retrieval tool wouldnt import my information. At that time I had not received any communication that my loans had moved to Mohela so the income verification was faxed to XXXX. I had not filed XXXX taxes at that time. 

When the loans got moved from XXXX to Mohela, the repayment plan did not change to the XXXX plan I chose, which is PAYE. I never got a letter indicating that my XXXX application was approved or denied. 

On XX/XX/XXXX I re-uploaded my completed IDR application and XXXX tax documents on Mohela 's website so they could see what was submitted to XXXX in XXXX. 

On XX/XX/XXXX I got communication from Mohela that I was being placed on administrative forbearance while my IDR application was being processed.. 

On XX/XX/XXXX I got a letter from Mohela saying my IDR application was denied because the request was incomplete, missing pages XXXX. It also said it was missing taxable income proof, which had been submitted again in XXXX with my IDR application from XXXX when the Dept of Ed never reviewed it for XXXX. I got no communication regarding whether my IDR application submitted in XXXX was approved or denied. So, I resubmitted all pages of the XXXX application and my XXXX tax form from XXXX ( because on XX/XX/XXXX we had not filed our XXXX taxes yet ) on XXXX site. 

On XX/XX/XXXX, I submitted an FSA complaint, and have yet to hear a response. I recently received a statement saying I owe over {$3000.00} on my student loan monthly payment and that Im on a level plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: TX

Complaint narrative:
Im disputing false or inaccurate information on my consumer file report with you, and I want you to carefully investigate and delete all false, incomplete, outdated, or unverifiable information related to my biographical information. This will help make sure you only have my correct information and will make identity theft or mixed file much less likely so thank you for only having the following on me. 

I am requesting that you and the furnishers do a full and thorough investigation of the following accounts that I am disputing. Please send a copy of this letter to each furnisher and I want you ( and each furnisher ) to do a proper investigation as required by the law. To be clear, I am not asking you to ignore my letter. Or send me a silly form letter back refusing to investigate. Instead, Im asking you to take this very seriously as I take the accuracy of my credit reports very seriously. It is vital that I have accurate and complete credit reports with all the information verified. 

I HAVE BEEN A VICTIM OF IDENTITY THEFT AND I REQUEST THAT THIS INFORMATION IS REMOVED FROM MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: TX

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.

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 2023-11-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. XXXX XXXX XXXX  XXXX Balance : {$86000.00}

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 2023-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : Please accept this letter as my formal written request for the following items on my credit report to be investigated. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof that I own this debt, you must remove the accounts listed below. 
I demand the following accounts to be removed immediately : TD  XXXX XXXX XXXX  XXXX - Under 15 USC 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers to provide accurate information- Please delete immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: GA

Complaint narrative:
I, the consumer, have identified information in my consumer credit report that is a result of identity theft. This account is not related to any consumer credit transaction completed by me nor initiated by me. Please remove this account immediately. My written permission was not given to this company to report this information as true and accurate as I was not disclosed the true nature of such information is requested. As a consumer, I have the private right to privacy and as of now the privacy of my personal consumer financial information has been violated and disposed to everyone who has viewed a copy of my credit report. To date, XXXX XXXX XXXX contains false, misleading, and deceptive information that have been sold leaving the consumer denied credit among other injuries. 

acct : XXXX XXXX  XXXX account : XXXX address : XXXX XXXX XXXX XXXX, ct 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 explanation
Consumer complaint received 2023-11-17 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
In ordinance with the Fair Credit Reporting Act, Bridgecrest account has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 SC 1681 section 604 A 2 also states a consumer reporting agency can not furnish an account without my written instruction under 15 USC 1666B creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: Exeter Finance, LLC.
State: KY

Complaint narrative:
In this situation, the signature on the auto contract doesn't match mine, suggesting it might be a forgery. This brings into question the legitimacy of the account tied to this contract, as there isn't a valid contract with my authentic signature. A contract is void if it has a forged signature since it's missing the necessary consent from the parties involved. Therefore, I assert that I no longer own this account because there's no valid contract with my signature. This issue raises serious concerns under Georgia 's forgery laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX and the Citibank , N.A . denied my credit card application. 
I have filed a prior complaint with CFPB for this issue and I have uploaded all supporting documents to CFPB on XX/XX/2023. 
My CFPB complaint ID # for the previous filing is XXXX. 

I am resubmitting the same complaint second time because I have just discovered yesterday, on XX/XX/2023 from news that Citibank has been denying credit card applications for XXXX. I am XXXX  and my last name ends with " XXXX ''. Because I am XXXX  descent I have been purposefully singled out and discriminated by Citibank. I have been intentionally denied for credit based on false and fabricated reason and Citibank accusing me that I have bankruptcy filing in my XXXX credit report. Such allegations are false and lies, because my XXXX credit report does not have any bankruptcy information and I have never filed bankruptcy in my life. 

Although CFPB has taken action against Citibank and the lawsuit is settled, I see that Citibank is still continuing on discriminating against XXXX  applicants. I request from CFPB to further take legal action against Citibank because of the fact that Citibank is still practicing discrimination against 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 explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
Capital one bank with account # XXXX. This account is currently closed due to missed payments, the creditor capital one who I have opened a credit line with sold my information without my consent to a debt collector name XXXX XXXX. I never give capital one permission to sold my information, my information should held private and confidential, this is a volition of the Fair Credit Reporting Act Privacy Act of 1974, as amended,5 U.S.C. 552a capital one has caused me and my family harm by selling my information without my consent to a debt collector which is reporting incorrect and inaccurate information to my credit report, multiple phone calls numerous times and for a debt that I don't owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, my late husband and I opened a Renters Security Deposit Interest Bearing Saving Account i.e. Landlord Tenant Security Account in XXXX XXXX XXXX [ now Capital One Bank since XXXX ] and deposited our tenants security deposit of {$1400.00}, as required by law. 

XXXX XXXX XXXX  utilized a savings FBO [ For The Benefit Of ] account, in which the account has the tenants name, the landlord has exclusive access to the bank account and the bank is a neutral entity. We had done this previously with XXXX for our prior tenant. 

In XXXX of XXXX I was informed by Capital One that I would no longer be receiving statements as there was no activity other than interest on this account. On or about XX/XX/XXXX I went into the XXXX XXXX as a Customer Service representative informed me that this account was not in my profile. 

Sometime between XX/XX/XXXX and XX/XX/XXXX, during Capital One 's Conversion to Capital One 360, our names and address were deleted from this account along with the FBO, the address changed to the tenant 's address and the account was placed in his profile. 

Despite all of the bank documents and statements I provided them with, they deny their error and state that the money belongs to the tenant. Capital One Bank did not, does not have the authority to do that. 

Additionally, I provided them with a copy of NYS law supporting all of which I outlined in regard to the FBO. 

I have requested they reverse the error their back office created during their conversion, they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CA

Complaint narrative:
I called on XX/XX/XXXX to dispute a charge on my credit card as saw a charge posted on my credit card that I didnt recognize. I called customer service of Citibank to inquire about the charge but they couldnt provide me with any information about the merchant which is actually an organization per the charge that I saw on my Citibank credit card app. Btw, its a XXXX XXXX but is a general card and I use it as my primary card. I just called today again, XX/XX/23, since when I open up my Citibank app it asks me to call customer service. The customer service rep, I think is from their fraud department, was apologetic. I was like so you think everyone will have two cell phones registered to them so as to authenticate the customer. So theyve supposedly sent me a letter in the mail albeit Im not home since on a business trip. I will be home tomorrow late night ( XX/XX/23 ) and hope to get the letter with reference number because until then I cant use my card nor can I submit a formal receipt. Ultimately I intend to make the dispute and not use any new card they provide and will then close my account after the dispute is resolved. I find that their authentication practices are inadequate and discriminatory if it requires that a customer has to have XXXX separate phone numbers to authenticate. Banks are typically able to authenticate a persons identity through many means inc SSNs, mothers maiden name, prior addresses, email accounts rather than Citibanks supposed practice of either two phones or sending a letter in the mail that contains a reference number.

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 2023-11-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The Equifax credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Balance : {$58000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXXXXXX Balance : {$22000.00} ; US DEPT ED XXXX {$3400.00} ; US DEPT ED XXXX {$2500.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1600.00} ; US DEPT ED XXXX {$3300.00} XXXX US DEPT ED XXXX {$7600.00} XXXX US DEPT ED XXXX {$5400.00} ; US DEPT ED XXXX {$4100.00} ; US DEPT ED XXXX {$1300.00}.

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 2023-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PNC Bank N.A.
State: CA

Complaint narrative:
A merchant, named XXXX XXXX XXXX, fraudulently took {$440.00} from my checking account after lying about making repairs to my camera that were not made. The merchant is located several XXXX miles away from my home which made it impossible for me to visit. I shipped my camera, via XXXX, to the merchant. 
The merchant notified me that the camera was " repaired '' and demanded payment before returning my camera. I was forced to pay the merchant without having knowledge that my camera had not been repaired and was still broken. 
The merchant cashed my check and, about XXXX weeks later, returned my camera to me in a state of disrepair. I contacted the merchant and attempted to demand a refund but the merchant was uncooperative. I subsequently contact PNC Bank, described the situation thoroughly, and asked for its assistance in recovering the funds. 
PNC Bank did nothing to recognize that I was a victim of fraud and essentially supported the fraudulent act of the merchant by admonishing me for not putting a stop pay on the check. PNC absolutely refused to recognize that I could not stop pay a check BEFORE my broken camera was returned to me which is before I knew I was a victim of fraud. 
PNC appears to be disinterested in protecting its account holders from merchants of fraud and will not adequately resolve account holder 's complaints about fraudulent transctions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17 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: CA

Complaint narrative:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( Original Creditor : ) XXXX Balance : {$800.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 2023-11-17 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

AL XXXX XX/XX/20XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/2XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 AL XXXX XX/XX/2023 AL XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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