vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Approximately a year ago, I contacted Chase bank because I attempted to make a transfer in the amount of {$10000.00} from my savings account to my mother 's checking account and it did not go through. At the same time, my mother 's account had been flagged for a possible fraud charge to her checking account. My mother 's account was then refunded for the total amount of the unauthorized charge. Shortly afterwards, I was going to attempt the transfer once more, but was unable to access my savings account. I contacted Chase again and was told that they were investigating several unauthorized transfers from my savings account to other bank accounts belonging to names I had never heard before. I was told that I would be contacted once the situation was resolved, however, I was never contacted. I have since attempted to find out anything at all from Chase regarding my account, but have always been redirected and end up on hold. Having gone into multiple branch locations to find out any information regarding my account, I was only told that I had to contact their fraud department. At this point I am wondering what options I have to regain access to my savings account in order for me to get my money back and switch banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Perfect credit for all my life. On XXXX XXXX 2024 XXXX hours XXXX XXXX ATM stole my debit card. IU immediately reported it to XXXX ( supervisor ) No explanation given and waited 7 days to receive a replacement. This is the only anomaly that seems directly related to a notification from XXXX XXXX and XXXX that my credit score dropped XXXX points. The score drop notification from XXXX XXXX was on XXXX XXXX XXXX to XXXX, AZ branch manager to get an explanation why my score dropped and what negative conduct is affecting me? I explained that I need to know exactly what caused such an exponential drop in my score when I have never been late on payments, nor over drafting. Ordered XXXX credit reports from XXXX - Experian - XXXX XXXX negative indicated. XXXX and XXXX scores were close to my average but Experian was XXXX! 
XXXX and XXXX are XXXX. Contacted FICO and they couldn't understand what is negatively affecting my score, advised me to file a dispute which I did to Experian with nothing negative on my report. They refuse to advise me what is negatively affecting my score or my most recent transactions. ( behavior ) I need to know what act was committed so I don't jeopardize my credit score in the future. XXXX XXXX didn't even conduct an investigation and open and closed it same day with zero explanations. 
XXXX coincidentally conducted the investigation. Please advise me of what is negatively affecting my credit score.

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 2024-12-04 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: PA

Complaint narrative:
I woke up today to find incorrect accounts on my credit report, and Im absolutely baffled as to how they appeared. I make it a habit to check my report regularly, but this time, it had errors I wasnt prepared for. I refreshed my browser several times, hoping it was a glitch, but the mistakes didnt go away. Im pleading for someone to carefully review the documents Ive provided so I can finally have peace of mind about 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 explanation
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this.

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: OR

Complaint narrative:
I am writing XXXX about the letter I received today regarding interest accrual on my Mohela account. While I received a letter XX/XX/year> that I was placed in SAVE forbearance and that interest will be at 0 % during this time, interest has continued to accrue. I have submitted multiple complaints about this and the interest that has been accruing on my account not only during the SAVE forbearance, but also the admin forbearance I was placed on previous to XX/XX/year> for nearly a year, since XX/XX/year> while my IDR applications were having delays and errors in processing resulting in additional admin forbearance time when I wanted to be on the save plan. Today XX/XX/year> I received a message in my Mohela portal that interest will l continue to accrue on my account dispute being on forbearance. This is unacceptable and must be removed, for all periods of admin forbearance that I have been on, including SAVE plan forbearance because the interest rate was supposed to be 0 %. Despite my multiple complaints I have no resolution from MOHELA nor any communication from MOHELA addressing these concerns. I am following up today again with a formal complaint to my senator, the CFPB, and Department of Education. I expect this issue to be addressed and the interest to be removed. It has been over six months of complaints without any resolution or proper customer service to address this, and it is unacceptable. I will not allow this predatory behavior to continue on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Dear Sir/Madam, I am writing to formally request the deletion of a charged-off account from my credit report that was issued to me as a result of a debt cancellation. I have received a 1099-C form from the creditor, indicating that the debt was canceled, and as such, the account should no longer appear on my credit report.

Under the Internal Revenue Code ( IRC ) Section 108 ( e ) ( 2 ), when a debt is canceled, it is considered income for tax purposes but is no longer a liability for the debtor. As a result, the account should be marked as settled or deleted entirely from my credit report.

Additionally, under the Fair Credit Reporting Act ( FCRA ) Section 605 ( specifically Section 605 ( a ) ( 5 ) ), derogatory information such as charged-off accounts must be removed after seven years from the date of the first delinquency. Since the debt has been forgiven, and the 1099-C form has been issued, the account is no longer an active debt obligation and should be considered for deletion.

Please find a copy of the IRS Form 1099-C attached for your reference. I request that you promptly update my credit report to reflect this change and remove any derogatory marks related to this charge-off account.

If you require any further documentation or clarification, please let me know.

Thank you for your prompt attention to this matter. I look forward to your response and the timely resolution of this request. 
Sincerely, 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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/year> I took a private taxi from hotel in XXXX XXXX XXXX XXXX to the airport. The agreed price was {$46.00} USD. At the end of the ride, the driver had me scan my credit card using a reader attached to his phone. He showed me the agreed price of {$46.00} USD in the XXXX peso equivalent before charging my card. However the initial card I used was being declined due to this being an unrecognized foreign transaction. This happened twice, so I switched cards. The first 2 times the driver showed me the price, but the last time he did not. I am not sure if it was intentional or a mistake by the driver as he was rushing, but he charged my card {$460.00} USD for the taxi ride, adding an extra digit to the end of the charge. This time using the second card, the charge was accepted the first time and the payment processed. I did not realize until in the airport when connected to WiFi of the charged amount. When I disputed the claim with my credit card company, and provided the screenshot proof of the original declined transaction they said they can not issue me a credit due to it being not enough proof. I was told to contact the merchant, however it was a taxi, not uber and I had no way of identifying the driver or company. My logic is, I am providing the declined charge message from the initial attempt showing the agreed price that was attempted to be charged. However my card was not charged that amount. All I want to do is pay the agreed amount that I was originally charged had it not been declined. Since this was in a foreign country, with a language barrier I was unable to get more documentation. I reopened the dispute with the credit card company, and wrote them a letter with a printout of the screenshot showing the dispute charge and I received another denial letter from them one month later. The credit card company in question is JetBlue Mastercard, which is unfortunate due to my loyalty to JetBlue for my travels.

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 2024-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WI

Complaint narrative:
I have taken a considerable amount of time and effort to locate and provide detailed information to supplement my School Misconduct Form provided by XXXX  support ( Now MOHELA ).

This completed form along with all supporting documents was shipped out and met with the following : XX/XX/year> : Package shipped containing form and all documentation. 
XX/XX/year> : Package received by XXXX. 
XX/XX/year> : Private loans enter forbearance while documents are reviewed. 
XX/XX/year> : XXXX  student loans transfer to MOHELA. 
XX/XX/year> : Received notice that my application for School Misconduct had been denied with the following reason : " A variety of factors are considered in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. '' XX/XX/year> : I called MOHELA support and they informed me they are unable to provide further details as to why my application was denied. When I asked for a chance to appeal or understand what additional information was needed, they stated they can not provide additional details nor comment on what did not qualify me for discharge.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
Errors on my credit report include hard inquiries I didnt authorize. As per 15 USC 1681c-2, these entries should be corrected and removed.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done online without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
USAA has violated the Fair Credit Billing Act by providing contradictory dispute terms. An employee confirmed there was no time frame by which a dispute must be filed, yet when I filed disputes the company refused to review my supporting documents and began closing the disputes in favor of the merchant. It has been over 3 weeks and they have ruled on dozen 's of charges without even glancing at the supporting documents.

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 2024-12-04 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: KY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: PA

Complaint narrative:
When I checked my credit report today, I was shocked to see inaccurate accounts listed, and I honestly dont understand how this happened. I always review my report regularly, but this time, there were discrepancies that caught me completely off guard. I even tried refreshing my browser in case it was a temporary glitch, but nothing changed. These errors stayed, and now Im begging for a thorough review of the documents Ive submitted to resolve this once and for all.

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 2024-12-04 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, VA XXXX Acct # XXXX To whom It XXXX Concern. 
I'm reaching out because all three Credit bureau XXXX is helping Pentagon Federal Credit Union put incorrect information relating to my credit report. 

The IRS considers a charge-off to be income, either as gross or ordinary income. Income that doesn't belong on a credit report, so this information on my report is inaccurate. 
By IRS rules, any cancelled debt or charge-offs is classified as income. Reporting this debt is incorrect or could be called Tax fraud. 
According to USC1681s-2 ( Pentagon Federal Credit Union Acct XXXX XXXX ) as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate information. I'm requesting that you delete this immediately from my credit reports. 
XXXX*USC 1681s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notice, that specific information is inaccurate and ; the information is in fact inaccurate ''.. 
In summary, I've shown you that this information is wrong, and you've been notified. Keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency Please delete this incorrect information from my credit report 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 explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
MIDLAND CREDIT MANAGEM, Dear Sir/ Madam, I am writing to formally demand that you Cease and Desist all communication with me regarding this alleged debt referenced under account # XXXX, in according with the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ). Please note that any further contact from your agency, except for the purpose expressly allowed by law ( such as notification of legal action or final settlement ), will be considered a violation of federal law, and i will take all necessary legal action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I received in the mail from NETSPEND XXXX XXXX XXXX XXXX TX XXXX A bank card with my name, and a routing number XXXX and account number XXXX and a bank name : XXXX XXXX. I had never contacted this bank and have no desire for a new bank card and account with a company I know nothing about and have no relationship with. Looking at the one page letter with this information and physical card, which has a XX/XX/XXXX expiration another account XXXX. _______ What is particularly concerning is that I already filed a CFPB complaint for this same bank when they sent a different card wtih the same routing number and a different account number XXXX and different Credit Card number XXXX. XXXX CFPB XXXX, where they write here in CFPB system, " We have also flagged your information to ensure no future Accounts are opened with Netspend using your name and Social Security number. We also removed your name and address from our mailing list, so that you should not receive future cards from any Netspend-managed prepaid card programs. '' ___Obviously that was a lie, since they sent another card to my address, with a new account number and Credit Card number. What is additionally deceptive is that in their previous response they suggest an identity theft issue -by them it appears- as I have all three of credit bureaus frozen, way before I received the first bank card. For context, this year our mail was stolen, including a bank statement, and with just that statement, theives started direct withdrawals from our account having just our account number and routing number. We had to close our actual XXXXXXXX XXXX account, open a new one, and update all our direct payment services for water, garbage, energy, credit cards. This is to say having a routing number and account number being created repeatedly by the dubious and lying company Netspend ( see their promise to remove my information in XXXX ) arriving in the mail is a serious concern. Please confront this company, they are clearly scamming people.

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 2024-12-04 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: GA

Complaint narrative:
I am on the SAVE plan and I received an email from Mohela on XXXX stating that interest is accruing during my forbearance which should be 0 % interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: World Acceptance Corporation
State: TX

Complaint narrative:
I recently checked my credit report and noticed fraudulent accounts on my report that are due to identity theft. Please see attached FTC report and additional documents to block and delete this account.

Company response to consumer: Closed with explanation