vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: SLM CORPORATION
State: MS

Complaint narrative:
I have communicated to XXXX XXXX that I was victim of identity theft and elderly financial abuse. I have provided them the requested information to show that I did not cosign a loan that was fraudulently taken out by a relative name XXXX XXXX. XXXX XXXX started taking out loans in my name in XXXX and ended in XXXX. I was not aware of any of these loans that total around {$85000.00}. The loans were a combination of students loans from XXXX XXXX ( {$70000.00} ) and loans taken out at two credit unions ( {$15000.00} ). The two credit unions after receiving the same exact information that I provided to XXXX XXXX  removed my name from the loans. However, XXXX XXXX  has refused to do so, stating that after their investigation that they can not " conclusively '' say that they I did not take out the loans. I specifically stated to XXXX XXXX that I did not take out the loans and only found out about the loans when my credit limit was denied and ultimately terminated from one of my legitimate creditors. Furthermore I pointed out to XXXX XXXX that they make easy for fraud to take place and extremely difficult for victims to be made whole. Because of the XXXX XXXX loans still listed on my credit, I have suffered the closure of a credit account and a decrease of XXXX XXXX from the XXXX 's to the XXXX 's. Also it should be noted, that out {$87000.00} debt that was listed on my credit report only {$2000.00} was mine, the rest was fraud. Now I am not only still suffering from the tactics and harassment of XXXX XXXX financially but also psychologically. XXXX XXXX have their agents relentlessly harassing and threatening with default of the loans. Yet, they are dismissive of the evidence that they initially requested to remove my name from these loans. I found out in XXXX  about these loans have been working with not only the creditors but law enforcement to remove my name and press charges against my relative. This has been a great ordeal on me because so much of this is time consuming and stressful and not to mention that this is a cyber crime that makes it all the more challenging.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: AL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PL XXXX XXXX XXXX FL XXXX RE : Identity Theft Victim To whom it XXXX concern : I am a victim of identity theft, and I did not make this charge. Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 


Sincerely, XXXX XXXX Enclosures : Identity Theft Report FCRA Sections 605B, 615 ( f ), 623 ( a ) ( 6 ) XXXX XXXX XXXX XXXX {$3300.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT

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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I did not approve the XXXX transactions that were taken from my account via debit card, in the total amount of {$4500.00}, dated on XX/XX/2023. These transactions were taken from my account within hours, and I was never alerted by Chase. I never heard of the company that withdrawn from my account ( PP XXXX  T XXXX XXXX XXXX XXXX IL and XXXX XXXX XXXX XXXX CA XXXX XXXX I was informed by the claims department that the claim is now closed, they investigated and claimed that I had approved these transactions, however I did not. They informed me there is nothing they can do to have my money returned unless I provide documentation that I did not approve these transactions, which I did provide any other information I had. I was also informed to try to contact the merchant directly, however when I research both merchants, I can not locate this business or any contacts. I feel this investigation was not properly done, as you can clearly tell this is a case of fraud. I had also mentioned that my phone was hacked, which then I had reached out to XXXX directly ( XX/XX/2023. Case # XXXX ), then on the XXXX all of these transactions occurred. This money is part of my savings and now I am not sure what to do at this point. I have been banking with Chase for close to 20 years and I am very disappointed in the way they are handling this. I was under the impression that my money was federally protected. I have opened this case with Chase XXXX additional times, both times that have rejected the claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-03 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Payment made to PayPal for {$250.00} in XX/XX/2022. I made an error and typed the account number as XXXX XXXX vs XXXX. Despite XXXX faxes to PayPal from my bank of the check which is endorsed by Synchrony Bank and more than a dozen conversations by myself with PayPal personnel/customer service representatives XXXX I can not get payment credited to my account. Their accounts receivable and payable department is woefully inept.

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 2023-08-03 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 — Card was charged for something you did not purchase with the card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Dear madam, sir... 
My identity was stolen and someone opened a fraudulent credit account with USAA Savings Bank for a {$12000.00} line of credit. Most importantly, I am NOT a member of the military nor is anyone in my family. This acxount should never have been opened! I did not have any knowledge of the account nor did I give any consent on my behalf. The account was active for a period of 7 years ( from XXXX ) and I only discovered it when I got my first ever credit report in XXXX. I did not benefit in any way shape or form from this fraudulent account and the line of credit associated with it. I immidiately disputed the account and activated a credit freeze with all 3 credit bureaus as well as fraud alerts. I have contacted USAA many times over the last few years pertaining to this issue and they have verified an account connected to my name and my social security number in their database. However, Ive had two other non related instances of identity theft against me since XXXX so I have been trying to get the account disclosure information mailed to me from USAA so that I can turn that info over to my local law enforcement agency for investigation but they have been no help at all and have taken ZERO accountability for their part of the crime that they facilitated. Since XXXX  of this year i have called USAA 5 times to explain to them that I can not verify my identity on their website as they require to release any info to me because I was not the person who opened the fraudulent account and the phone number that was initially added to the account dosent match mine. Obviously. But each time i call back I have to explain the whole situation over to a new person who ultimately refers me back to the verification website cycle that im stuck in. I ask to be connected to their fraud dept only to be put on hold and connected to another employee who handles credit accounts and not fraud. I am the victim of fraud that USAA should have prevented. Their unwillingness to help and to take any accountabilty is unexceptable and so very frustrating. Im desperately filling out this complaint in hopes of getting the attention of someone with USAA who is willing and able to help me out and give me the solid answers and information that I am lawfully entitled to by law as a consumer. Thanks in advance. 

Sincerely, XXXX 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 2023-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KY

Complaint narrative:
I have a {$2500.00} charge ony is bank account on XX/XX/2022 I recently noticed The bank refuses to help me dispute or refund my money after being a long tem customer

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 2023-08-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-08-03 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: MD

Complaint narrative:
I recently reviewed my credit report and noticed several unauthorized inquiries. I have tried to dispute these unauthorized inquiries via phone and letter several times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
We failed to be given a loan modification by Wells Fargo numerous times, and eventually had to file for XXXX XXXX protection to prevent us from foreclosure. We are currently in an ongoing XXXX XXXXXXXX, with a rather high plan payment of $ XXXX, that is due to increase to over {$12000.00} a month in XX/XX/2023. Because of this, we are now forced to sell our home, and based on everything I hear and read, Wells Fargo has been convicted of predatory loan practices, which I now know we were victims of. 

As the equity in our home is all we have, and we now have to sell our home or loose it, it is critical an audit of the payoff of our mortgage is conducted, so we only have to pay them what is fair and accurate. I am confident Wells Fargo has added excessive fees and charges to our loan payoff balance, that are not legitimate/correct.

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 2023-08-03 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I am writing to lodge a formal complaint regarding Mariner Finances failure to provide me with a Form 1099-C after charging off a debt. I believe their actions are in violation of tax reporting regulations and are causing confusion and uncertainty for me as a consumer. I had a financial obligation with Mariner Finance that was eventually charged off. Despite the debt being charged off, I have not received a Form 1099-C from Mariner Finance , which is i believe to be required by the Internal Revenue Service ( IRS ) for reporting cancelled debt as income. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against Mariner Finance for their failure to provide the required Form 1099-C. I believe that their actions are not only an inconvenience, but also a potential violation of consumer protection regulations. 
Your attention to this issue and your assistance in resolving it would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
After I requested proof of debt the company continued to call. During XXXX call, within 30 days, I was threatened with harm to my credit score. I had not had a chance to review the documents that they said they had sent yet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03 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: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the de accounts listed IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: WI

Complaint narrative:
The employer being displayed on my credit report is inaccurate. 
I'm employed at XXXX and has been since 2021.

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 2023-08-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CrossCountry Mortgage LLC
State: SC

Complaint narrative:
On or about the first of XX/XX/2023, I contacted Cross Country Mortgage in attempt to re-finance my home and obtain a line of credit. We ( Cross Country Mortgage & myself ) determined my current mortgage is a XXXX for XXXX mortgage. While Cross Country was unable to extend a line of credit, they approved me for refinancing with a traditional mortgage. I submitted all requested documentation and signed a contract with Cross Country. In addition, the requested repairs were made and approved by the assigned appraiser. 

In early XXXX I received a message from the Senior Loan Officer, XXXX XXXX XXXX, who had been working with me and advised me of my approval. She advised me that they were having difficulty reaching my current loan service provider, XXXX XXXX to obtain contact information for the lienholder, XXXX XXXX XXXX. I contacted XXXX XXXX. They had completed and faxed the Verification of Mortgage form. They advised me that they had not been asked for any additional information. 

I made multiple attempts to reach XXXX XXXX by text, phone, and email as well as any other available loan XXXX with the company. To date I have not received a response from anyone. 

During this process XXXX XXXX advised me not to make XXXX payment because it would affect the information already submitted to Cross Country and could take 7 10 days for updated information. In addition, XXXX XXXX and Cross Country advised me my first payment under the new mortgage agreement would be XX/XX/2023. Given this information, I did not pay or save my mortgage payments for XXXX XXXX and because of this I am now past due. 

I would like to note that I also spoke by phone with a local real estate attorney and explained the situation to him. He was able to pull up contact information for XXXX XXXX XXXX while we were on the telephone. He offered to do facilitate a XXXX XXXX. I did not retain him as counsel. Instead, I sent a certified letter to Cross Country Mortgage on XX/XX/2023, advising them of what I was willing to do to move the loan along. To date I have not received a response from Cross Country Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
JPMorgan Chase bank auto finance failed to correctly update my credit report after identity theft. The account is fraudulent and I am not responsible for the debt.

Company response to consumer: Closed with explanation