vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-17 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The account that is listed on my Credit report has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Department Of Treasury # XXXX 15 U.S.C 1681 Section 602 A. 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 conviction 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 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 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Bank set up son 's phone number on XXXX to go to account with XXXX  XXXX XXXX XXXX transaction using XXXX within the well fargo app On statement said it went to XXXX XXXX ( XXXX ) but he never received XX/XX/2022 They have refused to get money back but son was on with wf fraud depth when the set new account ND XXXX transfer Need to get money back as only ha ssa as income

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit 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 explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
To Whom It Concerns : A collection agency, LVNV Funding purchased XXXX separate long since " closed and written off '' accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) probably for {$100.00} each. My complaint is that LVNV funding, has been allowed, at the credit bureau ( XXXX ), to adjust the original amounts of final debt and dates of such debt. with the original creditors. Such adjustments have changed the " seven-year reporting timeframe '' of such debt ( extended the dates of eventual removal of such debt and added dollar amounts to the original debt that were not incurred with the original creditors ). Such reporting is unfair and inaccurate. 

I am requesting that the original reported dates and amounts by the original creditors be reported, not LVNV Funding 's dates and amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
My wife and I each have checking accounts with TD Bank. Since XX/XX/2022, we have been attempting to make various deposits into our accounts and TD Bank does not recognize them. These deposits have included teller deposits of checks ( which the bank lost and claims to have no record of receiving ), multiple wire accounts ( including wires from XXXX TD Bank account to our accounts ) and the bank claims not to have received them. In XXXX instance, we had the investment fund who wired the money to the account confirm that TD had accepted the wire, processed it and it was listed as " pending '' with TD. TD advised me that it has no record of having received this wire and I should take the issue up with the investment firm. The wire was sent XXXX month ago, and TD Bank has no record of it. In the meantime, TD Bank has charged me and my wife multiple overage fees and rejected debits because it has failed to list the deposits in our account as pending. There are currently over {$300000.00} in deposits that TD Bank is withholding from us. This has caused IMMENSE issues for me and my wife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: AL

Complaint narrative:
I sent a debt validation letter to the company requesting validation and I received a statement of charges on XXXX XXXX. This company failed to validate my debt. Please delete this information from my credit file and cease all collection activities immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, US Dept. of EducationXXXX Account # 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 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-02-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2023, {$15000.00} was taken out of my Bank of America XXXX account via XXXX. This happened as I sat in the bank lobby waiting to talk to a banker and after a teller confirmed that I was talking to Bank of America XXXX department on my phone. By the time I saw the banker, my savings account had been drained. Both Bank of America and XXXX refuse to refund any money because I authorized the transactions. I did under their direction. I have filed a police report and have filed complaints with both Bank of America and XXXX. Ive already received the rejection letters from Bank of America. I just want my money back.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: EQUIFAX, INC.
State: NC

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  Account # 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 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 2023-02-17 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: Experian Information Solutions Inc.
State: NC

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  Account # 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 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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Date of last payment is incorrect And is not accurate between all 3 major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from XXXX  XXXX XXXX, Synchrony Bank, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.

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 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I received several emails from banks verifying that several accounts were being reviewed I did not apply for. Specifically a checking and credit card account with XXXX XXXX, and credit card accounts from Bank of America, XXXX XXXX, and XXXX XXXX. I also saw inquiries were processed on my XXXX account. These primarily happened on XX/XX/XXXX. I spent much of XX/XX/XXXX and XX/XX/XXXX contacting the companies and letting them know the applications were fraudulent.

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 2023-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I had loans for a private college through Navient. Navient put me in forbearance when I couldn't pay and told me that I'd sit in forbearance and accrue interest, or I should go back to school if I couldn't pay ( I elected to go back to school to try to get a higher paying job ). People like me should have been included in the settlement, can't tell if I actually qualify due to the limited information available, though think I should be eligible because I was steered towards accruing more debt, just in a different way than those pushed to forbearance long term

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Thomas Agency, Inc.
State: ME

Complaint narrative:
Thomas Agency ha

s 3 items for collection on my credit report. All three are medical bills that should have been paid by insurance. I have had full coverage medical insurance my whole life and it pays for everything. These bills should not be there. I have been unable to make gains in my financial situation due to these errors, and my family has suffered as a result.

I disputed the collections and they are claiming that it is mine to pay, but it is not. I will continue to dispute it until they do what is right, and remove it from my report. 

XXXX XXXX  # XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: AL

Complaint narrative:
I did not receive my pay check on pay day so I contacted my employer who states it is an issue with my bank. I contacted my bank who could not provide me with any details of why this has happened or when the issue will be resolved. I will not be receiving late frees from bills owed that I could not pay today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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 — Was not notified of investigation status or results
Company: CL Holdings LLC
State: DC

Complaint narrative:
I contact Jefferson Capital Systems in regarding to an account that listed on my credit report in the amount of {$5700.00}. I tried to resolve this matter on the phone several times. I have yet to reach any resolution. 

In addition, I notified my information was breach thru XXXX between XXXX 2017. I file an official report regarding this breach since my data is on the dark web, and there are a couple of items on my credit report I do not recognize and I have to deal with consumer reporting agencies of my personal non-public information as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: NJ

Complaint narrative:
The following information is fraudulent and its hurting my credit report, delete immediately due to identity theft. attached is FTC report. 
Delete this Inquiries XXXX XXXX Inquiry : XXXX. XXXX, XXXX Delete this account XXXX XXXX XXXX Reported : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I just got a copy of the Modification that XXXX sent to Selene that Selene then rejected, and their Rejection comments XXXX ) XXXX had the Modification from XX/XX/XXXX till they sold the loan in XXXX why didn't XXXX  contact me and tell me they need to correct the Modification that I had sent back? 

XXXX ) Why did it take so long for XXXX to find and then reject this modification having had it since some time in XXXX and not finding it till XXXX XXXX ) Selene still has still not done an accounting and dumped all the money due under the Cares Act back on to the me from the loan burying me deeper into dept. 

XXXX ) I have applied for a HAF Loan with Georgia explaining to them the urgency of the situation with a pending Foreclosure of XX/XX/XXXX date

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 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: MD

Complaint narrative:
I am on XXXX XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I am having trouble with my loan servicer, Mohela, updating my Public Service Loan Forgiveness ( PSLF ) employment certified form ( ECF ) payment period counts. 

Currently Mohela lists me as having XXXX ( out of XXXX for PSLF ) eligible payment periods for forgiveness. In XX/XX/XXXX, I submitted a new ECF form ( form XXXX attached ) signed by the XXXX to bring my certified payment periods from XXXX to the required XXXX. Mohela took several months to process the form, and then declared it a 'Duplicate Form ' and did not update my payment counts. I called Mohela in XX/XX/XXXX to inquire as to what happened, and they said the erroneously marked it as duplicate. 

This reprocessing showed on my online account. In XXXX the re-submitted form still showed as processing. In XXXX it still showed as processing. At that time, in XXXX, I had 10 months of PSLF eligible payment periods that were showing in my Mohela account as 'not employment certified '. So, I decided to submit a new ECF form ( Form XXXX ) signed by the USPHS to cover my employment period through XX/XX/XXXX. 

In XX/XX/XXXX, Mohela erased my re-processing form from my 'Documents Recieved ' online status page, and marked my new ECF from XXXX as a duplicate form. My PSLF certified payment count remains XXXX, when it should now be XXXX. I called Mohela, and they said the new form was once again marked 'Duplicate Form ' in their error, and they they would 'expidite ' the reprocessing within 30 days. 

I have been eligible for XXXX since XXXX of XXXX. Since then, Mohela has made two errors in processing my ECF forms by marking them duplicates and neglected to finish re-processing a form that they said they would reprocess because of their own error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX Equifax Mortgage Solutions : XX/XX/XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: TN

Complaint narrative:
I have a XXXX card but did not applied twice. 

XXXX : Inquiry date XX/XX/XXXX XXXX : Inquiry date XX/XX/XXXX Never applied for these below : XXXX XXXX XXXX  : Inquiry date XX/XX/XXXX XXXX XXXX XXXX : Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX : XX/XX/XXXX XXXXXXXX XXXX : Inquiry date XX/XX/XXXX Partner credit XX/XX/XXXX XXXXXXXX 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 2023-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
My account was closed due to someone else logging in. XXXX is understandable but they wont give me my money out the account. I have contacted them and and was told they locked the account to where no one can do anything. My account has no fraud or anything on it just a simple log in issue but they are holding my funds that is mine and I have things to do with my money. They are not willing to send a check or anything until after 60 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation