vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-29 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: ID

Complaint narrative:
I am currently in the PSLF program. My loan was transferred to Mohela in XXXX of XXXX. When the loan showed up at Mohela it was missing the months between XX/XX/XXXX and XX/XX/XXXX. 22 months didn't come across. They didn't show up in either the Eligible or Ineligible counts. As of XX/XX/XXXX I am currently at XXXX Eligible payments not counting those missing months. I will be at XXXX Eligible payments once those months appear. I have contacted Mohela multiple times since XXXX of last year trying to get those months to appear so I can apply for the PSLF program. The only answer I'm getting is be patient. They will show up. In XXXX I was on the phone with a specialist for quite some time. He filled out a form for me and stated that would take care of it for sure. 2 weeks ago that form was dismissed as a duplicate request. Nothing was done. No one there can tell me why. I was scheduled to hit my 120 months in the PSLF program one month after my loan transferred. My loan should already be discharged. Please help. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My loans held by Navient are currently under In-School Deferment. Navient is now saying that I will need to pay the interest on the loans while in school but my loan origination shows that I selected no in school interest payments. Navient is stating that their documents show that I selected in school interest payments when my documents show otherwise. This feels like pencil whipping on navients behalf. I have my original loan documents but Navient refuses to send me the new ones. I am not attaching those documents here but am sending them to my lawyer if we do find that Navient committed fraud in changing the language of a loan document without a clients notification or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: GA

Complaint narrative:
The company IC sytems stated i owe XXXX XXXX {$1600.00}. I called asking for specific dates and they were unable to give me specific information. The rep XXXX XXXX from IC Systems said it was a bill from XXXX  and i have been in XXXX XXXX. She didnt have any information on payments and didnt have address on file just my current address which is my XXXX  address . Im trying to clean up my credit report and have a record of ontime payments, im not sure of where this outstanding bill is coming from and would like it resolved and investigated.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I had a credit line tied to a checking account at XXXX XXXX XXXX XXXX XXXX to at times cover overdrafts. I had used aprox. {$3600.00} of credit which required a minimum monthly payment of {$60.00}. At the time of the payment, end of XX/XX/2022, I was impacted by XXXX XXXX because I live in XXXX, XXXX XXXX, Florida, location that received a direct impact from the Hurricane. The impact affected my ability to secure the payment on time nonetheless, the payment was made a few days later after the funds cleared on my account. The Bank automatically withdrew the payment from my account. After multiple attempts at requesting that the missed payment be categorized as impacted by the hurricane to avoid any adverse effects on my credits, the Bank did not make any changes. The Bank refused without making an explanation, their unresponsiveness and inaction was their action. Because of the Bank 's inaction and unresponsiveness after multiple attempts later, I asked that all my accounts be closed including the credit line. I made sure that all the accounts were in good standing before closing. A few months later, the Bank and TransUnion reported the credit line account as being cancelled by the credit grantor. This is incorrect and is affecting my credit score. The correct remark is that the account was closed by the consumer and not cancelled by the credit grantor. After multiple attempts at correcting directly with the Bank and TransUnion without producing the correction, I'm left with no other alternative at this point than to submit this complaint. I had the account for over 14 years without having an issue like this. The way it was handled by XXXX XXXX is contrary to their values of being inspired by most wholesome and basic banking principles. Accurate reporting is a basic banking principle. TransUnion has the obligation to accurately report as well. Multiple investigations have not yielded to what is needed in this case, accurate reporting.

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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. 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 has violated my rights. 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 an 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 2023-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP Morgan Chase is again failing to process disputes in accordance with the law. I reported a transaction I was overcharged on in writing on XXXX separate occasions over the past XXXX months. JP Morgan Chase has not replied at all except with irrelevant form letters about high volumes and delayed response times. It's now been more than XXXX weeks without acknowledgement or resolution. The last irrelevant form letter reply from chase was on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I have a cash app account and I get a call on my phone and then the caller ID is his cash up so I think it's cash up I'm told that my account has been hacked and they need me to verify some information and then they had me download something they asked me not to get back in my account for the weekend cuz I needed to monitor and go through everything so I didn't I get back in my account Monday and all my money is taken out and it's all going to XXXX guy like XXXX something transactions up to {$2000.00} and I tell cash up about it last Wednesday well today I follow up with them come to find out Monday when I called him to check on it they closed out the case out of retaliation because I told him that I was going to call you all because they weren't doing nothing for me and now I'm just out {$2000.00} and every time I call them they just hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
My name is XXXX XXXX. I am an employee for XXXX XXXX in XXXX SC. A customer by the name of XXXX XXXX came into our facility to cash a Cashiers check from Chase Bank on XX/XX/XXXX. The Cashier 's Check came back to us from our bank with a stop payment on XX/XX/XXXX. We have reached out to several different departments in Chase bank to find out why a stop payment was issued and try and find a resolution but they refuse to help or even give me a phone number to someone that can help us. The Cashier 's Check was for {$1300.00}. I have spoke with Chase customer service at ( XXXX ) XXXX with no resolution on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I asked to be transferred to a manager on XX/XX/XXXX. The manager XXXX ( he did not give me a last name ) also said he could not help, would not give me a number to someone who could help, and said they did not have a corporate office number they could give me. I then contacted a branch close to our location in XXXX NC and spoke with XXXX on XX/XX/XXXX at ( XXXX ) XXXX and was told the same she couldn't help and when I asked for the Corporate office number she gave me the customer service number of ( XXXX ) XXXX. We shouldn't have to take a loss of {$1300.00} especially without any explanation as to why a stop payment was issued on a cashier 's check which we thought funds were supposed to be guaranteed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/23, as per Mohela 's instructions, I sent a secured message instructing them how to apply an incoming payment sent electronically from my XXXX XXXX XXXX award account. I included the required information such as the loan number and account number to which the payment should be applied and specified to apply it to the principal of the loan. Despite following Mohela 's instructions for payment handling directions, the payment was applied to the interest portion of the loan and not the principal. 

On XX/XX/23, I finally received a response back from my message indicating that the payment was applied to the account and told that XXXX  payment history reflected this. But this was incorrect, as the payment history specifically showed the payment being applied to the interest and NOT the principal, as per my instructions. 

Mohela intentionally ignored my specific instructions for handling payments even when provided with the information they require.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2023-03-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Express Collections, Inc.
State: TX

Complaint narrative:
On XX/XX/2023 a XXXX page fax was successfully transmitted to Express Collections The fax. included a cover page, Identity theft affidavit, a police report and a letter expressing the collection was a result of identity theft. 

On XX/XX/XXXX, I contacted Express Collections and was informed that I needed to prove that there was some actual investigation regarding this collection and that the documents faxed would not be sufficient to remove the collection. She stated that an identity theft affidavit along with a police report would not be enough. She needed something stating that the police was investigating the matter. 

I have followed and met all requirements according to FCRA and FTC. I have no contract with Express Collections and therefore, owe nothing more than what's been provided. 
They are disregarding the law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXXXXXX which involved me making deposits for a total amount of XXXX USD from my Coinbase account to the fraudulent investment firm. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've contacted XXXX, XXXX, and Equifax multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses 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. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've contacted Experian, XXXX, and XXXX multiple times to remove this incorrect information and negative accounts from my consumer report. They always respond back and say they have " verified '' with the company that the information is correct. But have yet to provide any proof, This company is breaking the law in multiple ways. 15 USC 1681 s-2 says you are a furnisher of information. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, 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 by such agency of 15 U.S. Code 1681q - Obtaining information under false pretenses 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. person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. These laws are very clear! I want this negative information and accounts removed from my consumer report immediately! I also have my submitted FTC report attached

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 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Ive been disputing inaccurate/ wrong/ error information that is being reported on my XXXX Credit Report XXXX 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking XXXX to do the same so that all three bureaus are reporting the same accurate and true information. 

I want XXXX to take note of what XXXX has done upon completion of their investigation and I hope XXXX can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking XXXX to do the same!

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 2023-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
I requested for a Validation letter never received! They are trying to collect on a account they sold to another company without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LendingPoint Holdings LLC
State: FL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any investigation results.

Company response to consumer: Closed with explanation