vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 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: IN

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX from 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.

I have sent several dispute letters to the creditor asking proof and validation of the debt reported on my credit bureaus and no evidence has been provided.

Tacking information of Certify mails are the following. 
XXXX. ) XXXX XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MD

Complaint narrative:
This is a multi-item complaint : Item 1 : MOHELA has failed to meet the 90 day time period for processing of my PSLF application, submitted via online portal in XXXX XXXX for any further action or inquiries about my accounts, Mohela requests an additional 90 'business days ' to respond. 
Item 2 : 90 'business days ' ( more than 125 calendar days ) is an irresponsible amount of time to process and respond to inquiries about existing loans. This time period is longer than a federal corporate tax reporting period ( 90 calendar days ), a full semester of college education ( 116 calendar days ), or a tenant eviction period after notice ( 30 days ). This extremely long processing period can represent a financial burden to the consumer who needs to make financial decisions where student loan obligations are a major consideration. 
Item 3 : Mohela failed to certify my employer information for XXXX years of XXXX XXXX service with the United States Marine Corps , when all necessary information was included on page 3 of my PSLF application form, including the correct EIN and necessary signatures from a certifying officer.

As an entity providing support to the federal student loan programs, this failure to provide accurate and responsive service is a prime example of fraud, waste, and abuse and is out of line with the expectations of the financial services industry. Mohela accepted the role of federal student loan servicer and PSLF processor willingly, and I am certain they performed due diligence and risk analysis to protect their financial stake before taking on this role. Mohela has made the claim that " unprecedented volume of requests '' is impacting their ability to process claims and impacting their level of service. I view this as a breach of trust with the general consumer and an insult to the dept of education loan programs, if not a complete failure to comply with the terms of agreement with the government.

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 2023-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one shows XXXX late payments in XXXX. Account was paid in full and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, XXXX, XXXX, XXXX XXXX XXXX I recieved a email said my account password was reset. But I did not do that. 
I found my mobile number has been hijacked, I have no signal on my phone. 
I called band immediately, using another phone number, but the line can not be connected ( wait forever. ) XXXX, XXXX, XXXX XXXX XXXX I arrived Bank of America XXXX XXXX XXXX reported to the bank agent that my account is in dangeor and I request to freez it. 
They let me wait for 5 mins, then led me to a room to make a phone call to their service center, but It still wait forever. 
Then they led me to another office and opened my account on their computer, and they said there is no transaction so my account is OK. I thought by that time my account was frozon. But later I know it was not. 
I ask them is my account safe now? 
They said yes. 
XXXX, XXXX, XXXX XXXX, I received a email said {$3000.00} was send to a person named XXXX XXXX. 
Then the agent start to make phone call, he wait for the conection about 40 mins. changed 3 lines. Then they finally got someone answered. Then they give the phone to me, and record it as a fraud claim. 
They said they need 48 days to investigate and I still have chance to loose my money. 
I can not accept this...

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 2023-03-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX  shows two late payments in XXXX. Account was paid in full and closed in 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 2023-03-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXXXXXX shows two late payments in XXXX. Account was paid in full and closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXXXXXX shows two late payments in XXXX. Account was paid in full and closed in 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 2023-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over XXXXover and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me XXXX XXXX because this is causing damaging to the character of my name please please help me I've been thinking XXXX XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, XXXX pleasseeeeeeee its been over 198 days still no response from them.

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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Comenity Capital Bank sent an email on XX/XX/23 that rewards cash of {$100.00} would be submitted to my DDA. On XX/XX/23 a deposit of {$1.00} was received. I called customer service on XX/XX/23 and was told Technology is working on a solution and expect resolution within a week. I received no written communication about Comenity 's Technology deficiencies. On XX/XX/23, I again had to call customer service and had to elevated to the supervisor as I could not understand the representative. Only when I spoke to the Supervisor was I informed that 1 ) I was correct there was not communication from Marketing ; 2 ) Technology has rectified the program ; and XXXX ) I should expect payment by XX/XX/XXXX. No written communication of their errors and having to wait 5 plus weeks for resolution, in my opinion, is unacceptable. I asked to closed the account on XX/XX/23 and will never have an account with XXXX XXXX. ( My account was with XXXX XXXXXXXX XXXX, but XXXX XXXX  XXXX sold the XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXXXXXX. )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-25 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Account XXXX XXXX XXXX  reported as FRaud and went through investigation. The progress has passed more than 90 days without validations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX, I contacted Dovenmuele to determine why my original mortgage loan, acquired in XX/XX/XXXX, for {$170000.00}, had only decreased to about {$140000.00} ( as of that day ), so I requested a copy of my payment history, from the time the company took over my mortgage loan to present. I spoke to XXXX XXXX, and she stated that what I requested was called an amortization schedule and she would send it to me via mail. 

On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX, who stated that she saw in her notes that I requested it, but was unsure why I hadn't. She stated that she would re-send it and it should arrive in a week. 

On XX/XX/XXXX, I still hadn't received the amortization schedule, so I called back, spoke to XXXX XXXX, who stated that I wanted was not called an amortization schedule, but what I wanted was a breakdown of my payment history. She stated that she saw that I requested the amortization twice, and was unsure of why I hadn't received it, but that she was going to make things right. I told her that I wanted a breakdown of the payment history and the amortization schedule, which she said she would send. For the payment history, she said it'll take 3 to days to process and then 3 to 5 days for it to arrive, and for the amortization schedule, she said I may not have received it because the document may have not been in the file, however, she will request it again and it may take 2 weeks to arrive. 

On XX/XX/XXXX, I still hadn't received any documents, so I called back, spoke to XXXX, XXXX, and she stated that she can see that I made a request for the documents, and wasn't sure why I hadn't received, but, it may due to them not having my unit number. I explained to her that with all of the prior representatives, I confirmed my address, so I didn't believe her. I also inquired that if they were missing my unit number, why didn't they call me, to which she wasn't able to give me an answer. She stated that she could resend it, but I told her, at this point, I was filing a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  and Consumer Finance Protection Bureau ( CFPB ). XXXX asked if I wanted to speak to a supervisor, to which I stated that I would. I spoke to XXXX, XXXX, and he stated that he saw that I requested a promissory note, on XX/XX/XXXX, it was sent on XX/XX/XXXX, however, he was unsure why I hadn't received it. I told him that I didn't request a promissory note, I requested my payment history. He stated that he could resend it, but I told him, that at this point, I was filing a complaint with the XXXX and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: AL

Complaint narrative:
On XX/XX/2023, I reached out to Cashapp about a charge made by me. I realized the card saved on file with XXXX was reported lost and deactivated. However, I submitted and was under the impression that the charge wouldnt process and I would be able to update to pay. This old card has been inactive over 5 months. The payment processed but processed on Cashapp end on my current card. It concerned me because I didnt input the new card. I reached out to Cashapp and 15 minutes later, another charge came out without authorization. No one can tell me why. 

I am requesting this be investigated snd explained as well as be reimbursed my money. Two separate charges for {$2.00} each on XX/XX/XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I see a total of six hard inquiries with no details as to where or how they got there. I would like these six credit inquiries to be removed from my credit report immediately. please and thank you.

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
Loan was put into hardship forbearance and at end of forbearance period I was advised that negative reporting would be reported if I entered into modification so I paid the entire amount in full this was XXXX or XX/XX/XXXX and have made current payments since this date, XX/XX/XXXX I was reported to the credit bureau as being 120+ days late and in modification plan which is not accurate. 

I have reached out to SLS servicing multiple times over the last 2XXXX days since this derogatory reporting was reported and talked to at least 10 different representatives and requested to speak with management since my job is in jeopardy since I work in finance industry and this issue has not yet been resolved. 

I need immediate correction to my credit report showing file is current with all payments.

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 2023-03-25 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: FL

Complaint narrative:
Please comply with notice as it is urgent. In addition please see attachments which serve as receipt of all notices in regards of this matter of the order by the United States district court. XXXX XXXX  ALL RIGHTS RESERVED UCC 1-308.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: CBC Companies, Inc.
State: NH

Complaint narrative:
I tried opting out of Innovis on their opt out page. I tried 6 times online but they don't allow " XXXX '' in the social security number section. Myself, as well as probably others, do have " XXXX '' included in their number. So I tried the only other method of opting out which was over the phone. No matter how many times I said my street name it couldn't understand the number XXXX and it doesn't allow you to enter it on the keypad, which would make so much more sense. So now there's no way for me to opt out. I think this is fraud or their webpage and telephone service is broken. I want to be opted out, and this company makes it impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FactorTrust, Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX  reduced my personal line of credit due to the misstating the balance, reporting late payments incorrectly, failing to report a discharged debt or paid debt, reporting old debt as new or re-aged, closed accounts as active, reporting information over 7 years reporting civil judgments over 10 years, by XXXX XXXX XXXX and FactorTrust, Inc. Their action has caused me harm by their continued abuses, violations, REPRISAL to the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CA

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 U.S.C 1681. 

1.Account name : XXXX XXXX XXXX XXXXXXXX 2. account name : XXXX XXXX XXXX XXXX XXXX 3.account name : XXXX XXXX XXXX  XXXX 4.account name : XXXX XXXX XXXX XXXX XXXXXXXX 5.account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXX 6.account name : XXXX XXXX XXXX XXXX XXXXXXXX 7.account name : XXXX XXXX XXXX XXXX XXXXXXXX 8.account name : XXXX XXXX XXXX XXXX XXXXXXXX 9.account name : XXXXXXXX XXXX XXXX XXXXXXXX 10.account name : XXXX XXXX XXXX XXXX  11.account name : XXXX XXXX XXXX XXXXXXXX 12.account name : XXXX XXXX XXXX XXXX XXXXXXXX 13.account name : XXXX XXXX XXXXXXXX XXXX XXXX 14. Account name : XXXX XXXX XXXX XXXX XXXXXXXX 15.account name : XXXX XXXX XXXX XXXX 16.account name : XXXX # XXXX 17.account name : 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 1681s-2 ( 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 then records of convictions of crimes which antedates the report by more then 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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Nelnet, Inc.
State: VA

Complaint narrative:
Debt was transfered from one servicer to another and late payments due to deferment information not being sent to correct address because I moved to a different state still shows on new creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Money was transferred out of our Chase bank accounts by XXXX money orders on 4 separate money orders on XX/XX/XXXX XXXX XXXX XXXX of XXXX Three separate transfers on the XXXX and one on the XXXX of XXXX, XXXX totaling {$6800.00}. We did not authorize the transactions. Chase says we authorized these transactions, so the case is closed. I also reached out to XXXX. They said they couldnt find records of these money orders. Only if the authorities reach out to them with our case number, will they then attempt to trace these transactions. I also filed a complaint with the XXXX XXXX ( Michigan ) Sheriffs Department. 
XXXX XXXX Sheriff tracking number : XXXX XXXX case number : XXXX

Company response to consumer: Closed with explanation