vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 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: Credit Karma, LLC
State: NV

Complaint narrative:
From XXXX to XX/XX/year> there was a series of charges that occurred when paying my XXXX XXXX, receiving payments from my job, along with other transactions that are dated wrong or are for a wrong amount. I truly believe that their is someone ( s ) that have altered my account statements, transactions, and payments to make it seem like I was the one spending the money. The account statements do not add up to the dates and amounts charged. Also, my account has been closed or suspended without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WHEELS FINANCIAL GROUP, LLC.
State: FL

Complaint narrative:
This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my consumer report without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have not initiated any transaction with your COMPANY. Furthermore, I do not have an account under 15 U.S.C. 1693a ( 2 ) with yor company for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: KS

Complaint narrative:
Last XXXX I was unable to get customer service from EQUIFAX because their website does not work and the representatives on the customer service telephone number were not competent enough to understand my question : they kept reading scripted answers to questions I was not asking. I submitted a complaint to CFPB and EQUIFAX responded that they required additional information from me BUT PROVIDED NO WAY FOR ME TO SUBMIT IT. My complaint is that there is no avenue for communication and this was their response : " Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : PLEASE BE ADVISED THAT IN ORDER TO PROCESS YOUR REQUEST, EQUIFAX NEEDS PROOF OF SNN AND ADDRESS, PLEASE SEND THE DOCUMENTATION REQUIRED. '' Let me be clear : they demand more information but do not provide any means whatsoever for it to be submitted. Once again I request direct contact from a human being, not a website or automated telephone tree, to assist in resolving this. EQUIFAX must provide some means for customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have an account with TD Bank and have had one for over 10 years. 
Let me just note that I have never left this country in my entire life. So its pretty bizarre when someone from another country hacks into my account and steals over {$500.00} That I would have to pay for it? Excuse me? I have to pay for my horrible banks horrible security? 
Heres the amounts Im disputing. 
{$150.00} + {$4.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee {$110.00} + {$3.00} intl. tax fee + {$15.00} maintenance fee because this put me under the balance threshold to be charged monthly. When clearly I had the money. They just didnt want to give it back. 

This would be 4 charges to my account in addition to 4 international tax fees ( which I notice was conveniently not included in the dispute ) and 1 maintenance fee.

Ive never been outside of the country. This is not my fault. I should not have to pay for this banks horrible security. Theres evidence of transactions in my home state IN AMERICA on the day of these charges from out of country. Expect me to be 2 places at once?

I dont care what they say they dont get to operate as a front for cyber criminals.

Because this same thing happened to someone I know. Lost thousands from her bank account. The bank didnt see a problem with it. THEY failed to provide security questions. If this publishes and anyone sees this, TD Bank is a horrible choice. Find another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 2024-09-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fidelity National Financial, Inc
State: NM

Complaint narrative:
This company contacted me to pay for an appraisal and inspection and send my identification documents, the documents on the house I live and wanted to refinance with or without my mother to pay the " active collection on the stale debt of 2014 they bought in texas ) and they deceived and duress a senior to provide documents and do expensive reparis with the promise to release the lien and refinance the home we live in so that we can " cllear title '' and " keep our home ''. Then they hired an unlicensed collectyor who has a realtor license in california that sold or attempted to sell our title behind our back. causing title issues. The collector boasted that they ahve the " backing '' of XXXX XXXX XXXX  '' because XXXX owns 75 % of service link and they can do whatever including going against respa XXXX XXXX XXXX XXXX and collect cash for the banks even if secured XXXX XXXX XXXX XXXX military pensions are involved. They can " issue titles '' ad lib.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.

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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I had went to XXXX XXXX XXXX in XX/XX/year>. The guy there pulled my credit report got approved for XXXX credit Card XXXX from lending club patient solution and Alophaeon Credit. By the way I never got the credit card from neither company. So I been paying monthly payments to both companies, I was 30 days behind, my credit dropped and charged interest on there like I had used the card, never got any cards. Recently I started getting my statements, on the Alophaeon Cerdit, I seen on my statement it says please make check payable to, Comenity -Alphaeon XXXX  I never seen a eye doctor, I only saw the dentist there to put XXXX Bridge in my mouth, so I had stop paying on this until I can get help on what to do about this situation. I'm will be still paying for the lending club patient solution to try to recover my credit. I have the documentations but not on my computer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: SERVICEMAC, LLC
State: MO

Complaint narrative:
I am incredibly frustrated with my experience with the mortgage servicer, MyServiceMac, LLC. I have attempted to make a payment multiple times, but their phone system is nothing short of a nightmare. After selecting the options for using the automated system, I found myself stuck in a loop, continuously routed back to the same choices without any way to complete my payment. Its incredibly frustrating to feel trapped in their own inept system. Even calling during office hours says I am calling outside of office hours. 

Furthermore, their online payment platform is equally disappointing. I have been shut out of my account repeatedly and can not log in, register, or take any steps necessary to make a payment. Its baffling that in this digital age, a company can not provide a simple service like this without running into issues. 

The customer service practices here are horrendous. Not only do they make it nearly impossible to manage my payments, but they also seem to be in violation of the Mortgage Assistance Relief Services ( MARS ) Rules. This makes me question the integrity of their operations. I fully intend to file complaints and report this company to the XXXX XXXX XXXX XXXX XXXX  ) for their unacceptable practices. 

I have mailed 2 payments to : ServiceMac , LLC XXXX XXXX XXXX XXXX, GA XXXX Neither have been cashed or attempted to be posted. I have also send the most recent payment to : ServiceMac , LLC Attn : XXXX XXXX Services- Service Mac XXXX XXXX XXXX XXXX XXXX GA 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 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
Best Egg - due to faulty financial accounting and arithmetic- is errantly saying I have only {$1.00} in credit limit - when in fact the accounting shows I should have over {$250.00} in credit limit. Best Egg needs to send its employees back to remedial arithmetic classes to help them properly calculate my credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On my credit report there is an account called XXXX and this account is a collections account. According to conserve they are seeking to collect money that I owe the XXXX XXXX XXXX XXXX. I have disputed this as I never attended the XXXX XXXX XXXX XXXX or took a course or did assignments there. I asked the XXXX  to provide me with proof that I did any assignments there and they were unable to provide me with documentation showing that I did an course/s there. I then filed an Identity Theft Affidavit with the Federal Trade Commission as I believe that I was a victim of Identity Theft. I sent a copy of the fraud affidavit to the credit bureaus and the reporting agency asking them to remove this fraudulent account from my credit report and they refused and failed to do so and this is a clear violation of the Fair Credit Reporting Act The law is explained below : The section of the Fair Credit Reporting Act ( FCRA ) that addresses the removal of fraudulent information related to identity theft is Section 605B ( 15 U.S.C. 1681c-2 ), which is titled " Blocking of Information Resulting from Identity Theft. '' This section states that when a consumer provides a credit reporting agency with an identity theft report, the agency must block the reporting of the fraudulent account or information from the consumer 's credit report. Specifically, it requires the credit reporting agencies to remove or block the reporting of information that is the result of identity theft within four business days after receiving : 1 ) Appropriate proof of the identity of the consumer.

2 ) A copy of an identity theft report ( such as an affidavit ).

3 ) The identification of such information by the consumer.

4 ) A statement by the consumer that the information is not related to any transaction of the consumer. 


The consumer must submit an identity theft affidavit or report ( often obtained through law enforcement or an affidavit via the FTC ). 
Upon receiving the documentation, the credit reporting agency is obligated to block the fraudulent information from appearing on the consumers credit report. 
I have am submitting once again a copy of the fraud affidavit that I had submitted before and I am asking you to delete Conserve from my credit report immediately. A failure to do so will result in taking legal actions against your company for violating my rights under the Fair Credit Reporting Act. Delete the account called XXXX from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. 

As this my 3rd time trying to remove these items so I can buy a home. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed and blocked immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
Due to the settlement and exposure of the fraudulent practices by Navient, I am disputing the entire loan. Please remove from credit reports. I am no longer responsible. 

XX/XX/XXXXXXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : **Complaint Regarding Private Student Loans Navient Corporation** To Whom It May Concern, I am writing to formally submit a complaint against **Navient Corporation** regarding their handling of my private student loan, which I believe involved deceptive and unfair practices that have caused significant financial hardship. 

I obtained a private student loan from Navient in XXXX, and have since experienced a variety of issues, including but not limited to : - **Steering into costly forbearance options** instead of receiving assistance with more appropriate repayment plans. 
- A lack of transparency regarding the terms and conditions of my loan, including changes to the interest rate and payment schedules. 
- **Failure to provide proper disclosures** at the time of loan origination, resulting in financial harm. 
- Deceptive practices, including **misleading communication regarding repayment options** and my eligibility for alternative solutions, which led to a worsening of my financial situation. 

These practices are consistent with the issues raised in the recent settlement between Navient and several states ' Attorneys General. I believe my case falls under similar circumstances, particularly concerning **unfair loan servicing practices** that were detailed in the settlement. 

I kindly request that the CFPB investigate my case and take appropriate action to address these concerns. I have included copies of my loan documents, correspondence with Navient, and any other relevant materials as evidence. 

Please let me know if any additional documentation or information is needed to facilitate your investigation. 

Thank you for your attention to this matter. I look forward to your response and assistance in resolving this issue. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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:
I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.

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 2024-09-15 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following inquiries from my credit report. Someone has used my personal information. I also have no knowledge of any suspects, please block.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am a XXXX XXXX XXXX who feels utterly frustrated and targeted as a vulnerable person. I called to close my XXXX account with Citibank in XX/XX/year>. I made it clear that no future charges were to be allowed through, and the website showed my account as closed. Since then every month I have received late fees of $ XXXX dollars and have received at least XXXX harassing calls, texts, and emails a day about the account being overdue. It always takes at the very least XXXX different conversations with XXXX different departments after going through IA menu after menu and repeating the information. I was finally told that any company could claim I had an autopay with them and those charges would go through even a closed account, which is exactly what happened. At the time I close the account I specifically asked about if there was any way at all a new charge would go through and was told there was not. The information about closing the account also did not address this hidden exception. I filed a formal dispute with Citi about the continued unwarranted charges in XXXX, XXXX  and nothing happened. Now my online account shows that there was no such dispute and I owe for a charge I did not authorize AFTER the account was closed, and late fees every month after that with all the harassment. I have literally spent hours on the phone with these people and can not get rid of this account once and for all no matter what I do. I called yet again for another hour today, and got so frustrated that I did what I am sure is exactly what Citi intended, paid off the account just to get rid of it. Once again, I was told I would have to call the dispute department Monday to file a dispute. I was again refused a confirmation that the closed account would no longer accept charges of any kind. I am at my wits end!

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 2024-09-15 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: GA

Complaint narrative:
Questioned the reported items. 

XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  Requested statement & notices from 1637 B proof. Reported payment failure to be delivered 21 days or less before the payment due date. Without this presented documentation the specific conditions of the reported late payment is inaccurate & I demand it be removed. 

Equal credit opportunity act ; 15 U.S.C. 1637 ( B ) 15 U.S. Code 1666b 15 USC 1681n :

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