vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-11 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: IL

Complaint narrative:
In preparation for student loan repayments restarting I loggined into my Mohela account in XXXX. I have been on a REPAYE plan because I need Income Driven Payments to qualify for PSLF. At that time my monthly payment was listed as {$75.00}, but there was a note stating REPAYE plans were being auotmatically moved to SAVE. On XX/XX/23 I received a letter stating my monthly payment was going to be {$820.00} due on XX/XX/23. Contrary to what i had been told they had not placed my loans on a SAVE plan but on a LEVEL plan, the highest possible monthly payment. At that time I recertified my income and asked for forbearance while that was being process. On XX/XX/23 I logged in and my payment was now listed as {$67.00}. This appeared to be a more appropriate payment amount per my income and I paid that amount. However, a few days later I logged in and my payment amount was {$810.00} with no due date listed. At that time I tried to contact MOHELA customer service and was on hold for 2 hours and unable to speak to a customer service representative. I submitted a complaint in writing as well. On XX/XX/23 I recevied a letter backdated to XX/XX/23 stating that I was being placed on Administrative Forbeance from XX/XX/23 to XX/XX/23 while my IDR application was being processed. However, when I logged on on Tuesday XX/XX/23 my account now says that I am past due {$750.00} which was due on XX/XX/23. This is the first time I am seeing this amount and as of last week no due date was listed. According to my received documents my IDR application has been successfully processed and I have what appears to be my new monthly payment. But according to the home page I am still past due. I tried again to speak to a customer service agent and when I called my account is showing delinquent per the automated message, but I was still unable to speak to a person after an hour on hold. I submitted another written complaint through Mohela. I am still not certain if I am acutally in forbearance, if my payment has been fixed, or if this supposed past due amount ( listed after the due date ) will count against me becuase I can not speak to an actual person.

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 2023-10-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Last year on XX/XX/XXXX  a capital one account was opened fraudulently using my information. I contacted capital one and notified them that it was fraud. After multiple disputes with capital one and the three credit bureaus every investigation they did apparently verified the information as correct. Of course the information is going to match mine because someone used it to open and use that account fraudulently! The charges happened in a nearby city that I wasnt even in at the time and the user was making minimum payments for about three months. I have no bank accounts that have been paying for it so someone else has. I have never had this card in my possession and I cant even access the online account because they use a phone number for verification. Whoever it was obviously used their number so I do not have anyway of getting any information about the account. Because I refuse to pay for a fraudulent account it got sent to a debt collection agency. I moved out of state at the time however so the court date got dropped. Now the account is showing up on my report as a charge off today! I am not sure what other steps I can take to have this account removed from my credit report permanently. I am certain that capital one is only doing a lazy investigation that does not dig far enough to uncover the information that doesnt line up. I even filed a report with my local police department at the time as well as a report with the FTC. At this point I am at a loss for what I am expected to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I started the dispute for the plane tickets with my credit card company ( Wells Fargo ). The issue was that due to unforeseen circumstances I got to the airport late but before the plane took off. There was nobody from the airline to help ( I also called the office but was not able to get through ). Finally, when I was able to talk to someone from the airline, I was told that they couldn't do anything, which I found out later was a like. The tickets could have been booked prior to the takeoff ( for a fee, which I would be happy to pay ). Not only Wells Fargo kept jerking me around ( kept saying they couldn't help, then started the dispute, then contacted me to say that they would close it, then had me fill out documents- going back and forth ( from XXXX XXXX. They also issued me a credit, but they did not say it was a temporary credit till later ( about a month later ). I find this process very confusing and dishonest - providing credit and then saying that it was a " temporary credit ''. I feel that this practice is tricking people to believe that they can get their money back and spend the money that they don't actually have. Now I have to pay again for something that was paid months ago, and I did not budget for at this time.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received a notification this morning from both XXXX XXXX and XXXX XXXX saying that there was a new Hard Inquiry on my credit report. The inquiry was from JP Morgan Chase Bank and I have not applied for credit or a credit card for the last few years so this is a fraudelent attempt to get a card in my name. I am trying to get the inquiry removed from my credit report as well as make sure no one is able to obtain a credit card in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Company is practicing Retaliatory practices against my accounts for previous complaints filed by me they are denying legit claims and has not provided any evidence of what information they used to deny my claims it has surpassed the time frame on numerous claims that I was provisionally credited and the credit ( s ) have been unjustifiably reversed All claims that the company has reached out to me or weve came to a compromise or agreement in any regard of any complaints Ive filed are false they intentionally delayed response from emails and calls until the allotted response time has passed I want this company investigated and held accountable for their practices

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 2023-10-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
AmSher Collection Services Inc. 

I sent a cease and desist letter via certified mail to Amsher Collection Services who has of XX/XX/2023 violated the law. 

I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST AmSher Collection Services Inc. 

15 USC 1692C ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. 

I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMTPLY Delete it from all consumer reporting agencies that you have reported this inaccurate incomplete, erroneous and misleading information to at once. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

15 U.S Code 1681s-2 Responsibilities of Furnishers of Information to Consumer Reporting Agencies . 
You and your inaccurate reporting have damaged my livelihood. 
( a ) DUTY OF FURNISHERS OF INFORAMTION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. DUTY : a moral or legal obligation ; a responsibility ACCURATE : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { AmSher Collection Services Inc. } are a furnisher of information to a consumer reporting agency.

This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.

YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k.

DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. 
Account number : XXXX XXXX USPS Certified Mail Tracking info : XXXX Latest Update Your item was delivered to the front desk, reception area, or mail room at XXXX XXXX on XX/XX/2023 in XXXX, AL 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 2023-10-11 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-10-11 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: GA

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.

has violated my rights. Or a list of inquiries : 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 2023-10-11 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: OH

Complaint narrative:
I am writing to bring to your attention that there are entries on my consumer credit report resulting from identity theft. I want to emphasize that I neither provided written authorization nor instructions for these specific transactions to be included in my consumer report. Pursuant to the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ], and the Fair and Accurate Credit Transactions Act ( FACTA ) [ 15 U.S.C. 1681a ], I hereby formally request that the reporting of this information be blocked and promptly deleted from my credit report. I want to make it explicitly clear that my request to block and remove this information is not made in error, nor is it based on any material misrepresentation of facts by me pertaining to the transactions in question. These identified transactions are not related to any of my own financial activities as a consumer, and they have been listed as follows : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and transunion told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation

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 2023-10-11 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: GA

Complaint narrative:
I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 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: GA

Complaint narrative:
I received a notice that I opened a loan with XXXX XXXX. I have never had a loan with this company nor have I ever applied for a loan with this company. I have asked them to provide proof that this account belongs to me and XXXX told me that they had no proof that this account belonged to be and that XXXX did not provide them with documentation

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2023-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I got into a car accident and filed the police report at the time of the incident, I also checked into a hospital called my insurance company mad hired XXXX attorneys the second was hired because the first hired attorney did not appoint me to any services and communication was a problem. I then hired XXXX XXXX and the problem seemed just about the same. I tried several times to describe more information on the report and incident yet got no response up until the date before the arrival of the check. When visiting my old address I saw an old letter stating a {$18000.00} check had already been written and sent out to that previous address. I also lost my car after my insurance was cut off by someone other than me. The only amount given to me was {$5000.00} yet was used and transferred out of my bank account with out my permission. I also had several letters sent to me from capital one bank the original loan, it stated I had paid for the vehicle. This year I went home to visit my family and found more mail stating my vehicle was sold by a company named XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/2023 {$5100.00} was used from my debit card that i did not authorize. Upon realizing that my card was missing and all my information was hacked i called wells fargo and changed all of my banking information and changed all the information within my phone. Wells fargo has denied the claim because a chip and pin was used but i already told them when they called to get more information that i did not share my information with anyone and it was compromised. They then claimed to have called XXXX and said that XXXX stated XXXX are hard to hack into. Which is also false, they also said get proof from the merchant and they will open it again, i tried and have nothing. They said stated that i deposited the money the day before which i did so i can pay my bills, which has nothing to do with my now missing money. I took all the necessary steps and still no help from wells fargo.

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