vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: WY

Complaint narrative:
I took a loan out cause at the time I was homeless and needed some money to not starve. After which when they sent me all the paper work is when I saw it was like 300 % +. Well I accepted that as my own XXXX but after awhile I lost the job I got and have been unable to pay. Due to this my phone got turned off and I have attempted to contact them in any other form I can and they refuse to reply to me. Ealier today I got a email saying if I don't reply to then they will send my loan to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I have met the requirements of XXXX payments to qualify for loan forgiveness through the XXXX program. I submitted my for to Mohela on XX/XX/. I was informed it can take up to 30 days to process. It has now been more than 30 business days and the form is still processing. This process has delayed my forgiveness as payments start to resume. 

Mohela 's response via message : XXXX XXXX XXXX XXXX XXXX ( click to open ) : Received Date : XXXX XXXX XXXX Body : Your Question : Hello- I have reached XXXX payments to qualify for XXXX. My form was submitted with esign on XXXX which is still processing days later! Why has this not been updated to reflect XXXX payments so that i can be submitted to XXXX for final approval? Should I submit a manual signed form? These were processed much quicker? 

MOHELA 's Response : Thank you for contacting MOHELA, We received your Public Service Loan Forgiveness ( PSLF ) applications on XX/XX/2023 and XX/XX/2023. Please allow 30 business days for processing. You will be sent notification after the processing is complete. 

If you have any additional questions, please contact us toll free at XXXX. Our hours are Monday XXXX XXXX XXXX XXXX XXXX., Tuesday and Wednesday XXXX XXXX XXXX XXXX XXXX, Thursday and Friday XXXX XXXX XXXX XXXX XXXX  XXXX 

Thank you, MOHELA Phone XXXX Fax XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX T-W, and XXXX TR-F. XXXX. XXXX XXXX XXXX, XXXX, MO XXXX. This message, from a debt collector, is an attempt to collect a debt and any information obtained will be used for that purpose. California residents : The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX. or after XXXX XXXX They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or www.ftc.gov. 

If you do not want to receive future information of this nature, please unsubscribe or contact customer service at XXXX.

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 2023-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
After review of my reports in XX/XX/2023 I notice accounts that were incorrect and untrue. I disputed the information in hopes of some clarity. Ive never received any mail nor correspondence of an investigation nor its findings, within 35 days i attempt more answers. I sent another letter explaining how my rights have been violated and i also submitted an FTC report because this is a clear identity theft situation, i asked to block this account within the four days allowed by law and as of today Transunion has failed to comply to the govern laws that are applicable to this company. XX/XX/2023 complaint ID XXXX was my 3rd attempt to block information in accordance with 15 usc 1681c-2 on my consumer report within the grounds of the law and still the violations exists. Please remove delete and or block XXXX fraudulent information for my consumer report. 

CC : Attorney General CC : 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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I got my XXXX XXXX consumer report which showed fraudulent checking accounts opened up in my name. This is also reporting on my XXXX XXXX which I need cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
I talked to them on Friday, XX/XX/2023, because I got an email saying that a payment in the amount of {$98.00} was due that day. I did not understand why a payment was due when I made a payment previously. Sams Club failed to process the previous payment which resulted in the {$98.00} and my account being closed. I previously made the payment.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

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 Committee 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
fraudulent XXXX  account opened up in my name. date : XX/XX/2019, account # 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 2023-09-18 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: NJ

Complaint narrative:
Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.

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 2023-09-18 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: NJ

Complaint narrative:
Credit bureau furnishings inaccurate information about XXXX account. I submitted a written request for reinvestigation. I requested they provide me with the notice of determination containing the reason and information required to investigate the disputed information. The business name, business address, and telephone number that was used in connection with this investigation. As well as a description of the procedure used to investigate IN WRITING via mail. Otherwise, they delete this misleading information, notify the furnisher, and update my credit report. I was denied the information I requested and instead they sent it to their dispute center online and the inaccuracies remained. It is my right as a consumer to have them properly investigate and provide me with the information I am requesting and I believe they are not abiding by the laws set forth to protect me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: FL

Complaint narrative:
On XX/XX/23 I received a letter from Loancare LLC that my mortgage loan was transferring to XXXX XXXX on XX/XX/23. On XX/XX/23 I called Loancare and asked if I could make payment for XXXX in the amount of {$1000.00} and the phone rep said yes. I made a billpay from my XXXX XXXX checking to Loancare for {$1000.00}. The payment never posted on the Loancare website and my Loan was transferred to XXXX on XX/XX/23. As I write this today on XX/XX/23 my XXXX payment of {$1000.00} has not been applied to new XXXX website and XXXX website says I owe XXXX payment of {$1000.00}. 
XXXX XXXX XXXX XXXX pay has verified that I made the payment of {$1000.00} to Loancare. Loancare sent me email saying they paid {$1000.00} to XXXX on XX/XX/23. XXXX says they have not received payment from Loancare to my new XXXX account. 

I have spent countless hours gathering proof that I have made this payment correctly. Stealing {$1000.00} is a felony and if this payment is not applied I will be receive fees and my great credit rating will be destroyed. 

I have proof from XXXX XXXX that I made my XXXX payment to Loancare XXXX. 

Please help me. I have never missed a loan payment.

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18 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: GA

Complaint narrative:
Incorrect address & incorrect name it has cause me damages to the point getting denied for credit, for misspelled name & wrong addresses reporting on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality unde USC 1681 Address : XXXX XXXX XXXX XXXX, ga XXXX Address : XXXX XXXX XXXX XXXX, SC XXXX Name : XXXX XXXX has violated my rights. 
T 15 US 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 reportini can not furnish a account without my written Instructions enc 15 U S C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may consumer report containing any of the following items of information Any XXXX item of information other than records of convictions of crimes which antedates the b.

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 2023-09-18 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: CT

Complaint narrative:
I DO NOT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
My wife and I have called Citibank XXXX times over the past XXXX weeks. I am unable to log in to see any of my accounts including my Citi XXXX XXXX card. This is due in part to me having a checking account in which I never received a debit card for, but used it to wire money nearly a year ago. Because I cant verify my Citi Checking account number or the debit card ( and I have verified all security questions, SS #, etc. ) they are unwilling to unlink my checking account ( which I NEVER use, and has maybe {$200.00} ) from my credit card account due to this, making it impossible for me to see my balance, pay my statement, check on fraud or anything in regards to my personal finances with Citibank and Citi XXXX XXXX card. They also refuse to send me a new debit card that way I could verify this because they cant verify my card ...... Seems completely assinine and inexplicably redundent and frustrating for a consumer, who is just trying to PAY THEIR STATEMENT!

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 2023-09-18 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: NY

Complaint narrative:
called transition XX/XX/2023. 
talked to fraud department notified them of these UNAUTHORIZED inquires. 

XXXXXXXX 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 2023-09-18 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: FL

Complaint narrative:
please see attached file

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NV

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 Committee 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 2023-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
fraudulent checking account opened in my name, date : XX/XX/XXXX  account # XXXX I did not open this 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 2023-09-18 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: WI

Complaint narrative:
I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a home for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected. This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and fraud. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can be can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed immediately

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 2023-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In XX/XX/2023 last chance, funding decided that they were going to send a XXXX document with a threatening letter to multiple companies against my business and me personally. One of these companies with XXXX and XXXX XXXX they fell for it. They took the threatening letter and they froze my account starting in XX/XX/2023. They froze my account and made it impossible to make payments to anyone including XXXX XXXX Including my paying for on XXXX. They then decided that they were going to report three illegal late payments to my credit. These payments would not have been late if they were able to be made if the accounts were not illegally frozen. My XXXX XXXX XXXX, as well as my XXXX account were frozen without a garnishment judgment or Levy from any legal establishment. And the late payments are erroneous. Being banned from being able to make payments for six months until the lawsuit was settled in XX/XX/2023 when Ive been very promptly paid everything in full they now refused to remove the late payments even though they legally froze the account and kept me from making payments. I want the late payments removed from my credit report. As they were illegally obtained. The accounts werw illegally frozen. XXXX and XXXX XXXX conspired and participated in this fraud.

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