vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-14 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: MA

Complaint narrative:
I received an email notification on XX/XX/XXXX advising me that my next payment is due on XX/XX/XXXX. I logged onto the website for Mohela advising that my next payment is due on XX/XX/XXXX. My next payment shouldn't be due until XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX  of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account 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 2023-09-14 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:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! Account Name : XXXX XXXX These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 16816 - Permissible purposes of consumer reports ( a ) IN GENERAL st to subsection ( c ) any consumer reporting agency may furnish a consumer report under lowing circumstances and no other : ( 2 ) In accordance with the WRITTEN XXXX XXXX XXXX of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this account immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
WorldRemit Corp cancelled my transaction and disabled my account without notifying me of the reason why. This happened when I already had a pending transaction. I called them, waited for 45 mins before I got hold of a representative. The representative claimed that I should be getting my refund but there was no confirmation email or anything. This is not ethical and very suspicious!

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 2023-09-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have recently checked my credit report and noticed that there are about 9 inquires on my report. Majority of them are inaccurate. I have filled out a FTC report with the inquires that are inaccurate as i have not authorized these companies to run my credit. Only XXXX is the inquiry is accurate the rest are not.

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 2023-09-14 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 am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-09-14 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: NY

Complaint narrative:
I DO NOT RECOGNIZE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I DO NOT RECOGNIZE ANY OF THESE ACCOUNTS 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 2023-09-14 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: NC

Complaint narrative:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 2023-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I purchased online and used XXXX from my checking account to pay for the product. The online vendor did not ship the order and didn't reply to my multiple attempts to contact them via email and phone. A representative told me that if you XXXX someone, it is like giving them cash, and I won't be able to get a refund. I gave up after hearing that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Wells Fargo has done such an in justice to my grandfather iam helping him make this formal complaint against this awful bank. My grandfather XXXX XXXX has a bank acct with my mother XXXX XXXX and in this sense my mother had closed an acct at XXXX XXXX XXXX XXXX so she received a official check that was for XXXX cents went ahead and made a deposit into said bank acct at Wells Fargo .this transaction happened on XX/XX/2023 on XX/XX/2023 my grandfather went to bank to get his funds out from his social security deposit when he finds out hes negative n was with no funds And still showing a negative XXXX went to branch of Wells Fargo here locally they advised XXXX that the check for XXXX Was returned not paid by advantage west. To make a horrible story short after many calls back n forth n to the issuing bank come to find out that said check was actually paid out in full to Wells Fargo 24hrs after it was deposited to my grandfathers acct n was given a tracer number n told that it was paid in full n didnt understand why Wells Fargo would claim such a thing n most of all take a XXXX yr old mans money a whole month later and still mths later we are still in battle with Wells Fargo to get my grandfathers money back I was told to write this formal complain to ur office n hopes that you will help thank u

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 2023-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
Hello I opened account with chime on XX/XX/XXXX my paycheck was deposited and within 20 to 30 minutes maybe more from deposited my check was gone between XXXX XXXX and coach.i had them stop access to account they let continue ... they refunded over XXXX of my check and been fighting since to get the XXXX... I have submitted everything I've been told spoke numerous times to supervisors.supposedly highest I could get.still no result ... .I have XXXX kids and have lost utilities because of this alls I want is rest my check put back so I can get close account ... .last rebuttle I filed claim they sent a email XXXX of XXXX never received ... ... they just keep wanting to refill rebuttle

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The card gets declined from everywhere. I can't use it in store or online. When I called customer service, they said to wait for 24 hours and try again. After waiting, it still didn't work. Then I was told there is nothing I can do. Several other customers have the same problems if you search it up online

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: CA

Complaint narrative:
I need to change the type of my repayment plan I sent an email to the servicer with the request as directed by the website. Received an email back that I need to use the repayment tool and email them back stating the estimated amount of that payment and that I agree to that amount and terms. I did that and have not had a response since. I've been continuing to email probably 10+ requests with no answer. Repayments are about to start and my plan has not been changed. I tried to call but there is always a 4hr wait period for customer service. I have asked to be put on an extended fixed repayment plan with estimate if {$160.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I, XXXX XXXX XXXX a XXXX XXXX  XXXX XXXX at US Auto sales in XXXX GA on XX/XX/XXXX. 
About 3 months ago Westlake Portfolio Management started to call me to collect payments from me about my car and saying that they are taking over US Auto sales and I need to make payments through them. 
So I followed and started to make payments til I ask how much was my balance. 
They said it was XXXX XXXX Dollars. 
Which is incorrect cause I had got the car for XXXX XXXX Dollars. 
I paid a XXXX US Dollars plus bi weekly payments since I had the car. 
Few weeks later they came repossessed my car when I ask for the correct balance before moving forward on payments. 
My original sign documents from my contract is in my car that they towed in the glove compartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
- XX/XX/XXXX, I called Bank of America and found there were two fraudulent Bank of America 's accounts, checking and saving, of opened in my name. It's ID Theft, and I was asked to report it to the Policy department. 
- XX/XX/XXXX, I filed an FTC report, XXXX, https : //www.identitytheft.gov/ # /account/login - XX/XX/XXXX, Called BOA Fraud department, XXXX, XXXXo report fraudulent accounts, BOA Claim numbers : XXXX an XXXX. 
- XX/XX/XXXX, Mailed the required documents to BOA Fraud department. 
- XX/XX/XXXX, Got the police report with the hidden information about the information of the theft. 
- XX/XX/XXXX, Received a letter with the investigation results from BOA - XX/XX/XXXX, Called BOA Fraud Department with XXXX, XXXX XXXX XXXX. I was asked to fax my questions with the claim numbers to XXXX and your preference of reply. 
- XX/XX/XXXX, Called BOA Fraud Department with XXXX, and was asked to fax XXXX to request cases reopen and records. 
- XX/XX/XXXX, Fax 6 pages to XXXX. 
- XX/XX/XXXX, Called BOA, BOA said both cases were closed because they didnt receive the FAX. BOA re-open the cases, and will communicate by mail. 
- XX/XX/XXXX, Called BOA with XXXX for BOA Claim numbers : XXXX an XXXX, and BOA said both claims were not re-opened for further investigations. Both accounts were closed. The representative submitted the re-open request to the analysis team and need another 7-10 business days. 
- XX/XX/XXXX, Called BOA with XXXX, and was asked to send my request to the Care specialist, XXXX, because she can help me with my request. 
- Since the specialist can't help, XXXX and I called BOA to request the documents. 
- XX/XX/XXXX, Received documents with the resolution results from BOA via the wrong email address, XXXX. 
- XX/XX/XXXX, XXXX and I called BOA to request the bank statements, account application form, identity used and power of attorney. 
- XX/XX/XXXX, Called BOA and was told that XXXX form was requested. 

I haven't received the requested documents, bank account application forms, identity used, and power of attorney. XXXX and I have called BOA to request documents since XX/XX/XXXX. We called BOA on XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, but BOA doesn't give me the documents about account application forms, identity used and power of attorney.

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 2023-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
This is in response to closing complaint XXXX. Loan Depot 's response was a lie and I have the documentation to prove it. 

Through the HELOC application process I was very specific about my sole source of income being notes receivable from the sale of a business. And these notes receivable had begun less than 12 months ago. I was told by 3 different Loan Depot reps that this was acceptable for income. I was ultimately rejected for my loan because this form of income is actually not acceptable. 

There are two instances where Loan Depot has lied. First, I was informed in writing that my income was approved by underwriting on XX/XX/XXXX. I have attached the email from the Loan Depot loan officer stating this. A few days later they reversed their decision with no explanation to me. 

Secondly, In response to complaint XXXX, Loan Depot states : " In the substantive conversations with the three loan Depot representatives , the borrower informed them that he had on-going income from the sale of a previous business in the form of note receivable income. He did not, however, inform the representatives that he did not have a 12-month history of the note receivable income. '' That is a lie. I emailed the details of this notes receivable income to the rep collecting my documentation on XX/XX/XXXX. I have attached a screenshot of this email with the specified attachment, as well as the contract itself. The contract itself is dated XX/XX/XXXX which is less than 12 months, and the contract states payments will begin XX/XX/XXXX. It is very clearly spelled out. This is the only form of income I submitted. 

I have attached their response letter to the original complaint and highlighted the spot where they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Selene Holdings LLC
State: FL

Complaint narrative:
To Whom it May Concern : This letter is regarding credit report entries which are not being reported as required by Federal and State laws on our personal credit report accounts under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 

On or around XX/XX/, the credit report scores belonging to my husband and I, dropped XXXX points because Selene Finance report our XX/XX/ payment as late and XX/XX/XXXX  as UNKNOWN. We made a payment to Selene Finance on XX/XX/XXXX  for the month of XX/XX/XXXX  and they reported the account as late. 

Contractually, we made the payment for XX/XX/2023 during the month that it was due. Selene Finance has to uphold their part of the contract by applying the payment within the month we made it. Legally, we are within our contractual rights. 

As a direct result of Selene Finance reporting the account as late for XX/XX/, we have been financially harmed. We have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports. 

We would appreciate any help that your office can provide in getting these issues resolved. 

Thank you for your cooperation in this matter. Please advise. 

Sincerely, XXXX & XXXX XXXX /s/ Our contact information is as follows : XXXX XXXX and XXXX XXXX XXXX : XXXX SSN : XXXX XXXX XXXX  XXXX XXXX. 
XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14 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: NJ

Complaint narrative:
The following inquiries were done without my written authorization or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-14 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: OH

Complaint narrative:
XXXX XXXXXXXX These are fraudulent and unauthorized accounts and inquiries listed on my credit report.I have no knowledge of this suspicious activity on my credit report. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft.

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 2023-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Account # XXXX XXXX XX/XX/2023, XXXX 2023, XXXX XX/XX/2023, XXXX XX/XX/2023 violated my rights under : 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE and 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 
Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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