vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 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:
In XX/XX/, I submitted a complaint to the CFPB about Moheal 's inability to answer basic questions about my student loans. ( XXXX ). I received an unexplained forbearance placed on my account in XX/XX/. XXXX did not notify me in any way, and they did not clarify if this forbearance would count towards my Public Service Loan Forgiveness ( PSLF ) credits. I messaged Moheala through their online portal and received no response. 

I decided to call Moheala and ask. In my complaint, I pointed out that Moheala provided me with terrible information from a brand-new employee who had no idea what she was doing ( no fault to her, as this is a training issue with Moheala ). The employee told me the SAVE program did not count for PSLF. However, she was wrong. She After several hours on the phone, I still never received my answer. I submitted my CFPB complaint, and two months later, I received an email response about my complaint. I logged in to see what Moheala would say, and to my surprise, there was no response. The file attached to my complaint was labeled " threat detected '' and " corrupt. '' There was no response. Of course, I don't agree with this bc there wasn't anything done, but CFPB closed my complaint. 

Fast forward to XX/XX/. A letter arrived from Mohela on XX/XX/XXXX. This letter, which took over two weeks to get to me, arrived, and guess what? 

The information Moheala mailed was utterly wrong. In the letter, Moheala writes that this was in response to my CFPB complaint ( that's right ). Moheala continues by saying that my complaint to CFPB was to REMOVE this forbearance because of my Borrower Defense to Repayment ( BDTR ) application. I have not filed a BDTR for these loans and do not have a BDTR on file. 

Further down the letter, Moheala notes my account was placed on forbearance because of BDTR and that they went ahead and notified the Dept of Education to remove this forbearance. 

My questions and complaints have always been about the SAVE program and PSLF. I never once mentioned BDTR. Moheala is incompetent. This organization is supposed to be one of the agencies that represent the DOE and collect millions of student loans. The company can not even address simple common questions with a mess up. People expect Moheala and the other student loan servicers to have their act together, but it's clear that this isn't the case. Moheala can not perform their duties to service the student loans, and it's an embarrassment. 

I still never received an answer from Moheala as to whether the forbearance will count for my PSLF. Thankfully, the Department of Education addressed this and has released it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IN

Complaint narrative:
RESISTANCE WITH GETTING INFO REMOVED/UPDATED Transunion credit report My Name : XXXX XXXX ( ONLY ) NOT XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( ONLY ) 12 addresses listed Phone # : XXXX ( ONLY ) 11 # s LISTED 2 SOL/DEBT BARRED DEBTS LISTED : XXXX XXXX XXXX XXXX BE REMOVED XXXXXXXX  XXXX XXXX {$690.00}. TO BE REMOVED XXXXXXXX  AND ANY INQ DATED XXXX... 


THANK YOU IN ADVANCE 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 2023-12-20 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: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, Im authorizing this complaint on my own behalf. I am writing to express my extreme frustration with the lack of response FROM TRANSUNION regarding my report investigation into discrepancies on my credit report. I cant believe you guys are taking advantage of me. I AM VERY UPSET. The credit bureaus have not responded back to me about my investigation. I sent a letter and it has been more than 60 days outlining the issues.. I need these accounts deleted. These are the items XXXX demanding to be deleted immediately : 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 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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I deposited a check from a customer on XXXX XXXX in the amount of {$6200.00} and allotted several days for the funds to deposited into my account. Chase Bank deposited the check into my account and I utilized the funds only for check to be canceled on XX/XX/XXXX leaving me debt and over extended my account. 

After numerous hours/days, Chase Bank informed me there is nothing they can do despite me trusting their resources only to pull back the funds. Chase informed me the check was fraudulent but they deposited the check and only advised me a week later that the check was fraudulent. I already utilized the funds and Chase is now shielding themselves and leaving their customer, me, to absorb the fraudulent activity. I requesting Chase to cover the {$6200.00} expense - nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing to express my grave concern and to seek immediate resolution regarding fraudulent activities on my XXXX credit card ( account # XXXX ), which have severely impacted my credit report. My identity was stolen and used to accumulate charges totaling {$10000.00} on this card. Despite promptly contacting XXXX to report this fraud, my claims were dismissed and not taken seriously, denying me the justice I am owed as a victim of identity theft. 

In addition to contacting XXXX, I also disputed this account with Experian in XX/XX/. I sent the dispute via XXXX XXXX XXXX, with the tracking number XXXX, and it was confirmed as delivered on XX/XX/. However, to date, I have not received any communication regarding the results of this investigation, nor has the fraudulent account been removed from my credit report. This lack of response and action from Experian is a clear violation of my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ). 

Given the seriousness of this matter, I am requesting again Experian to conduct a thorough investigation into these fraudulent charges and the initial handling of my dispute. Furthermore, I ask that you provide me with detailed information about the investigation 's outcome and the steps taken to rectify my credit report. 

It is imperative that this issue is resolved promptly to restore the accuracy of my credit report and to uphold my rights as a consumer. Please send all correspondence and the results of your investigation to my address listed on my driver 's license. 

I appreciate your immediate attention to this urgent matter and expect a swift resolution. 

Sincerely, 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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
I received a letter from Bank of America that said " we detected suspicious activity on your credit card and as a precaution we've temporarily suspended your account ''. I had applied for the card but had not received it. In the letter they asked that I call them asap. I called XXXX on XX/XX/. I spoke to XXXX who asked for my name and account number. I could only give her the last four digits of the account number as that was all that was noted in the letter I received. She then asked me for my social security number which I gave her only to be told that she could not verify my identity over the phone ... .after she had my SS #. I was told that I had to bring 2 pieces of ID to a B of A branch in order to gain access to the account. I explained that I live on the XXXX XXXX of Hawaii and that there are no bank branches on the island. I offered to send in the ID via e-mail or fax but this was unacceptable. Then I asked her to close the account which she said she could not do. 
I asked to speak to a supervisor and got the same story. She then sent me to a completely wrong department who could do nothing either and did not know where to send my call accept back to the first department I spoke with. I had now been on the phone for 40 minutes ... ... much of it spent holding. 
This is unacceptable from a financial, security and privacy stand point. Now someone at Bank of America has my social security number, access to my credit card account and knows my name and address. I so appreciate your assistance with this troubling 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 non-monetary relief
Consumer complaint received 2023-12-20 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}

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 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
We find there is over due from our credit report from Bank of America, and there was a charge {$14000.00} on the card. I never applied this card, and never received the card. This is a fraud.

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 2023-12-20 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: FL

Complaint narrative:
I hope this letter finds you well. I am reaching out to address a concerning issue regarding my credit report and the potential violation of United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) related to billing inaccuracies. 

Upon recent examination of my credit report, I have identified numerous instances of billing inaccuracies as stipulated in 15 U.S. Code 1666 ( b ), specifically under points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

Point ( 5 ) : A computational or similar error of an accounting nature by the creditor on a statement. 

A specific concern revolves around the absence of timely notification, at least 21 days ( approximately XXXX weeks ) before the issuance of a statement. This oversight has led to unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that validates any claim of non-payment resulting in the reported late status, as I firmly believe this is a clear billing error. Additionally, in accordance with XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), a late payment qualifies as a transaction and experience, making it eligible for exclusion from the consumer report. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the payment status : XXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late payment date : XX/XX/2023 In accordance with consumer protection laws, these accounts must be promptly updated to accurately reflect the " paid as agreed '' status. Failure to comply with this request will compel me to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under XXXX XXXX XXXX civil liability. 

Furthermore, I have already taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/XXXX, at XXXXXXXX XXXX my belongs were stolen from me and the people who did it used all of my apps and cards to do fraud ; mainly my Navy Federal account and XXXX. They called in acting as me because they had my mobile device and I had to purchase a new phone because of this reason. My device was unlocked at the time that it was stolen and they were able to access all of my information. Navy Federal closed my account and stated I was responsible for {$3100.00} that I didnt not own or have. I lost my apartment because of this and I have no been able to open another account. I should not be responsible for the fraudulent activity that happened on my account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted Equifax several times this week. They have denied my request to remove this information off my collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: U.S. BANCORP
State: GA

Complaint narrative:
I have inquiries that need to be removed from my credit report. I didn't give written authorization to have my report pulled by US Bankcorp and XXXX XXXX. This is under 15 US Code XXXX XXXX. XXXX XXXXXXXX inquiry happened on XX/XX/XXXX and XX/XX/XXXX. US Bankcorp inquiry happened on XX/XX/XXXX. 

There are late payments on my credit report. I wasn't notified within 21 days according 15 US Code 1666. 

My student loan ( XXXX ) was forgiven by Pres. Joseph Biden. The report is showing the amount of {$140000.00}. 

I found inaccuracies with an collection account XXXX XXXX XXXX under US Code 1666

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 2023-12-20 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Per the FCRA As a federally protected consumer, I am now opting out or any and all authorization I the consumer may have given XXXX XXXX XXXX written, unwritten, verbal, and non verbal per 15 USC 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

effective immediately and indefinitely

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 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Navy Federal is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b.

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: IL

Complaint narrative:
XXXX XXXX is in violation of 15 USC 6802. They are sharing personal information after I have opted-out of personal information sharing. Also the status of the accounts are showing incorrect. They are showing as a " Charge-Off '' which would then have to be reported as income, and income is not the be shown a a consumer report. This account also meets the criteria of what is to be EXCLUDED from a consumer report per 15 USC 1681b.

" ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ]

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