vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-26 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: LA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX  Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: LA

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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : DEPTEDXXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
Awful bait and switch on a CD. I asked when I opened the account about a withdrawal penalty. I was told 2 months loss of interest by XXXX XXXX. This was at the time opening a the XXXX XX/XX/23. 

I ask via email XX/XX/XXXX, what would be the penalty for withdrawal. XXXX responded via email, 2 months. I went in today and they want to keep about 3 times that amount in penalty. That is what the computer says was the answer. I talked to the XXXX XXXX, nothing we can do. You were given misinformation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: LA

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. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : DEPTEDXXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-09-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My car was wrongfully repossessed stating I didnt make a payment in 90days. Not allowed to make current payments. The only option was to pay off the entire loan- or refinance with a different bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NV

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT. I WAS SHOCKED TO LEARN I HAVE BEEN A VICTIM OF IDENTITY THEFT.I WOULD NOT EXPECT SOMETHING OF THIS MAGNITUDE TO OCCUR. I FIND IT SURPRISING THAT I FOUND NUMEROUS ACCOUNTS ON MY CREDIT REPORT THAT WERE NOT OPENED BY ME. THIS HAS BEEN HURTING ME AS I AM IN THE PROCESS OF TRYING TO BUY A FOREVER HOME FOR MY FAMILY! PLEASE REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT AS SOON AS POSSIBLE.

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bliksum, LLC
State: WI

Complaint narrative:
I was in the market for a new home, and in a review if my credit report, I noticed that the status of an old paid off account has been reporting negatively with inaccurate information. I called the company and was advised that it will be fixed, as of XXXX  the account is still reporting incorrectly. 
This account was paid off in XXXX XXXX XXXX, and my credit reports last activity XX/XX/XXXX, and that the account is 180 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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:
On XX/XX/XXXX and XXXX hard inquiries from XXXXXXXX XXXX XXXX appeared on my TransUnion and XXXX credit reports. 

On XX/XX/XXXX hard inquiries from XXXX XXXX XXXX XXXX appeared on my XXXX credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26 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: MA

Complaint narrative:
Mohela sent both my husband and I student loan billing statements indicating that our new payments under the SAVE plan would EACH be {$1000.00} per month. 

I knew this was not right because our student loan debts are not the same amount and my understanding is that when two spouses file taxes jointly and both have student loans, the payments are prorated based on the loan amounts each spouse owes ( as it was always under XXXX ). Further, our total payments were 2 to 3 times more than the payments we had made with XXXX prior to the pandemic. 

It appeared that Mohela recalculated our payments from REPAYE to SAVE but failed to account for the fact that each of us had a spouse who also had student loans. 

On XX/XX/XXXX I called Mohela to address this and it took me three hours and several attempts to get through to a representative. Using the call back feature failed because it would go directly into my voicemail when they called back. 

When I finally spoke to a rep, they had to transfer me to someone with more experience. The second rep I spoke to told me we would both have to recertify our income. She did not confirm or deny why my and my spouse 's payments were not correct to begin with. After recertifying both of our incomes using 2022 joint tax info our payments dropped from XXXX each to approximately {$550.00} and {$650.00}. Since my payment was due XXXX they also had me put my loan into forbearance for a month since they would not be able to process the correction in time. 

I am extremely concerned about this because : A. If I did not know as much as I do about student loan repayment I may have just started making the XXXX payments without questioning it, which is extremely unfair and deceptive to consumers. Especially since my husband and I are both expecting to be eligible to receive PSLF within the next 15 months. 

B : I am seeing several posts from other borrowers on XXXX who are also having the same issue and have no idea what is going on, why they owe more than on REPAYE, etc. How many borrowers are going to be making these incorrect payments, especially when no one can even get through to MOHELA easily? And these are just the borrowers who are using XXXX, I am sure it is impacting thousands of borrowers across the country. 

If MOHELA wanted to automatically recalculate payments from REPAYE to SAVE, they should have the information available to know to take into account spouses with student loans as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: NY

Complaint narrative:
XXXX XXXX is sending me to collections for a {$2000.00} debt over light bill that was not opened by me. I did not even live in the state of New York when it was opened. them with all of that information and explain to them that it could not have been me because I was too young at that time

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Medical Data Systems, Inc.
State: SC

Complaint narrative:
I constantly check my credit report and notice that the errors and false misleading information for individual accounts didn't quite meet the credit reporting standards of being 100 % correct. This has damaged me and held me back for some time now. I demand CFPB to enforce these corrections and or deletion of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: SC

Complaint narrative:
This is a NAVIANT XXXX loan that iam the co-signer of for my daughter. 

On many occasions, Naviant floods me with call all day if they can't reach my daughter. They also, because of what they call an old system, call me even if there is no issues with the loan. 

They are harassing me to a point that I had to call and complain to management. 

This approach still continues as of this complaint date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
My paypal account was under permanent limitation and has {$770.00}. And the funds should be release on XXXX As per paypal Rule any account that is under permanent limitation the funds from the account will be release after 180 days. And my account will finish its 180 days in XXXX for the funds to be release. But when i checked my account last friday, I was shock that the funds was not therr anymore and as I check my activity logs I saw that Paypal transfer my funds to themselves. W/o stating any reason and w/o my legal authorization. In which they really stole my money on my account. The transfer was made last XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WESTERN ALLIANCE BANCORPORATION
State: HI

Complaint narrative:
Property is located in XXXX, XXXX which is a Federal Natural Disaster Zone and per order of FEMA the loan has been placed on credit suppression for 90 days. 

I have contacted Western Alliance Bank on XX/XX/XXXX, XX/XX/XXXX, XXXX & XX/XX/XXXX to request documentation to support the fact I am on credit suppression. Each request, I have been told they can not provide such documentation. On the XX/XX/XXXX call, I was advised I can request this documentation in writing with no guarantee it will be provided. On XX/XX/XXXX, I receive a letter from WAB stating my account was delinquent and will be reported negatively to the credit bureaus. 

On the XX/XX/XXXX call, I was advised my loan was assigned to the loss mitigation department as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited XXXX into a XXXX at Chase Bank in XXXX, at an expected interest rate of 3.92 %, accrued over 6 months on XX/XX/23 through XX/XX/23. When I went to manage the capital and interest gained over this time- during the 10 day grace period ( after the maturity date ) - I was shown only half of the nearly {$1200.00} of interest gained was in the account in an amount of {$590.00}, despite being told ( including in writing ) that the account 's interest rate would be 3.92 %. Six months is the minimum amount of time you can have a CD for and if the % rate is half that ( 1.96 % ) over a 6 month term, it was never brought to my attention, or advertised anywhere, but 3.92 % was. The business practice is misleading at best and theft at worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
USAA is my financial institution that I used for a third-party loan to XXXX. Check was sent by USAA with incorrect information or account on the check. I requested a dealer funding request from USAA but the document sent by USAA was not a dealer funding request. It is attached. After submitting the required Vehicle Purchase Agreement to USAA instead of providing me with a dealer funding request the representative took the information from the Vehicle Purchase Agreement and processed a check with incorrect details. I have contacted XXXX XXXX as well and provided them with a copy of the front and back of the check and they confirmed it is in the XXXX XXXX auto loan account, but they need USAA to work with them to get the funds returned. USAA will not reach out to XXXX XXXX and continues to blame myself for giving incorrect information. USAA did not follow their own processes when creating the loan and issuing the check and refuses to assist.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Experian requested that I send documents for identity theft, I did send them through their website, their upload system doesn't seem to work well. I am sending them again to address the identity theft issue on my credit file reported by XXXX as they requested via email today..

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 2023-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: WI

Complaint narrative:
The information your agency is claiming about owed amounts and delinquency dates is not on my credit profile. The listing is incorrect, and I want it removed from my credit profile or corrected accordingly to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 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: NY

Complaint narrative:
1 ) In accordance with the Fair Credit Reporting act, the following accounts that on my credit report are a violation of my rights : the accounts in question is XXXX XXXXXXXX XXXX XXXX  Account number XXXX Reporting to ( XXXX, Equifax ) in accordance to 15 U.S.C 1681 section 602 A. States I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 states that a consumer reporting agency can not furnish a account without my written instructions and was not authoized by me. I am requesting that these accounts be removed from my reports. 

2 ) XXXX XXXX XXXX XXXX Account number XXXX Reporting to ( XXXX, Equifax ) has my address listed as XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX  NY XXXX is inaccurate and I have never resided or collected mail at this address. 

XXXX ) I HAVE NOT BEEN SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS I am requesting that this account be removed from my reports. I am requesting that this account be removed from my reports. for damages for violating my consumer rights and perpetration fraud against me, destroying my personal credit, and preventing me from obtaining a Home mortgage, consumer financing, and business financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX ( XXXX minute ago ) to me I am a XXXX XXXX XXXX retiree that was Victim of a XXXX XXXX XXXX to my Citibank Account for an apartment Rental in XXXX and the bank refuses to reimburse me now again I am a Victim of a XXXX wire Fraud tied to my Citibank account, they have not refunded my account as they said. This is elder XXXX XXXX and I need someone to help me go after Citibank I can't be the only retiree that is having these issues with Citibank? Please help me or if you know a Lawyer can help me? Citibank is responsible the XXXX on the Citibank website on my account is not secure and I know its only {$5400.00} thats Pocket change to Lawyers but to a XXXX XXXX XXXX retiree on Social Security thats a several Month 's payment Lost it Hurts and I was just trying to rent an Apartment in XXXX and it was a XXXX apartment scam they knew they could use XXXX and Citibank will not reimburse me and its their Fault because its not secure. Citibank has rejected my appeal 2 Times so I am trying again. XXXX is NOT secure and Citibank Advertises it. I am XXXX used it once and scammed. 

Citibank is responsible the XXXX on the Citibank website and the 2nd scam was a fraud Real estate agent that turned out a Fraud a wire fraud again from my Citibank account. 

I did file 2 Police Reports with the XXXX XXXX XXXX XXXX Citibank XXXX CASE XXXX XXXX Wire Fraud Case 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