vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I placed an order for XXXX XXXX  at the end of XXXX that was never sent to me. I asked the seller for a refund in XXXX and was never sent the refund. I filed a dispute with USAA on XX/XX/XXXX and sent the appropriate evidence. 

I checked in multiple times with support and was even told that they had never even looked at it. They finally closed the dispute over a month later on XX/XX/XXXX after no communication and determined that the dispute was invalid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: OH

Complaint narrative:
I have filed complaints and FTC Reports regarding a XXXX XXXX XXXX account appearing TWICE on my credit report. I have contacted the creditor and they refuse to provide any information or why this account is reporting twice to my credit report because they said they do not have my information in their system. It appears that the creditor is reporting personal information that does not belong to me such as an address. This address does not appear on my credit report nor belong to me and I have informed the credit reporting agencies of this information. The credit reporting agencies are refusing to investigate and remove this fraudulent information even though an FTC report was submitted. I don't know what else to do at this point because I have contacted the company, and the credit reporting agencies, and filed a FTC report.

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 2023-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I closed my checking account with XXXXXXXX XXXX and I received a check amount XXXX than I deposit it to my Bank of America checking account than bank accepted after one week Bank of America email me say image is not showing will than take the money back and I shredded the check XXXXXXXX XXXX say Im not responsible for and Bank of America no response Thanks

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 2023-09-07 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: LA

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-07 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: LA

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XX/XX/2023 I discovered that Navient is mishandling federal student loans. 

Navient FAILED to properly notified loan borrowers about the status of their loans in a timely fashion. 

Navient FAILED to offer income base repayment plan as allowed by the new federal law. 

Navient FAILEDto help loan borrowers understand any and all options available under the new student law. 

In fact, Navient violates the new federal law by making struggling low-income borrowers pay their loans, when the new federal law is suppose to help them in income driven repayment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: MI

Complaint narrative:
I requested a Consumer Disclosure Report pursuant to the Fair Credit Reporting Act. They refused to provide it. Asking me to fill out an online form, again, with the same information I already provided to them. I have requested my report multiple times both by phone, mail and on their website. They are violating the Fair Credit Reporting Act by refusing to provide me a copy of the information they are keeping about me and spreading false information about me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I went to make a payment on the XXXX of XXXX and I found out that they would not accept my payment because my house is in foreclosure. I never received any notice of foreclosure and now they are telling me I did not make my payment in XXXX of XXXX. Why did it take 10 months? I also texted them in XX/XX/XXXX when I found out my payment did not go through. I texted them to ask why they did not take the payment out and they responded to me by text and they said that I only agreed to XXXX payment. But I asked them to take out XXXX, XXXX and XXXX of XXXX. They said that I only agreed to XX/XX/XXXX but they took XX/XX/XXXX out. When I asked and they would not give me the correct answer. I called again and they repeated that i only agreed on XXXX. But why did they take XXXX out? 

My Mortgage payment has changed three different times in the past year. I did not know until I had called and made a payment that it had changed.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
I have applied for PSLF program and with all of my employers and time certified, in calculating MOHELA has simply left out months so the 120 months are not reflected. I have been contacting them for almost a year and I can't get an explanation or reason why nothing is being done. Also don't know status bc even the most recent certifications are not increasing the number of months which now far exceeds 120. I just want an answer and someone to fix.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TX

Complaint narrative:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-09-07 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: Fidelity National Information Services, Inc. (FNIS)
State: OR

Complaint narrative:
My son was to have a minor checking account with a parent. The Credit Union opened a regular checking account for the minor which allowed high dollar fraudulent transactions to take place. Upon disputing with the Credit Union, legal representation was necessary. The result was neither party was at fault/took responsibility. Because of that determination, nothing was to be reported. The Credit Union was paid in full and suffered no losses. The existing report should not have been made and I was only made aware of the existence today.

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 2023-09-07 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: NE

Complaint narrative:
I want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report. I have attached supporting documents that substantiate my claim. Your prompt resolution of this matter is greatly 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 non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service
State: VI

Complaint narrative:
I am a 100 % XXXX XXXX  XXXX. Upon my return home from XXXX, I started getting XXXX  every day. I was in and out of the XXXX XXXX every day however, my card was being paid. I have been a cardholder of the military star credit card since XXXX. On XX/XX/XXXX, and again on XX/XX/XXXX XXXX category XXXX storms ( XXXX and XXXX ) devasted the XXXX and XXXX XXXX. The town I live in XXXX was devastated. The post office was totally demolished ( these are facts that can be proven. We were without any kind of communication until late XXXX. I made contact with the Military Star card loan department and I was told that my card would be deferred until XX/XX/XXXX. In XX/XX/XXXX, I went online to make a payment and my account was suspended for nonpayment. I made several calls and sent several emails trying to get information as to why I could not access my account. On XX/XX/XXXX, I finally spoke to an agent by the name of XXXX XXXX she was very rude ). All she could tell me was that correspondence was sent to me ( we had no post office until XX/XX/XXXX ). I tried to explain to her that although they sent correspondence there was no way I would have received it because we did not have a post office in my town. Our supplies came through a shipping company and although my post office merged with a post office in another town it was still very chaotic. I started payroll deduction ( I worked for the Federal Government ) and I was receiving numerous calls day and night from a collection agency XXXX XXXX XXXX. The collection agency called me also at my place of work. I reported it to them to no avail. They ignored my emails and were very uncooperative. Fast forward to today, I checked my credit report and it shows my card was paid in full and still showing in collection. 
I am asking you to please help me fix this issue. I am a XXXX XXXX XXXX who is trying to buy a home in Texas because I am planning to move from the XXXX XXXX XXXX. I served this country during peace and wartime and now I am being treated like I am bothering them. Thank you for your help.

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 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: AR

Complaint narrative:
Multiple emails, phone calls are unanswered. Their chat option doesnt work, they never call you back, which I NEED because they gave me information saying I qualified for a loan extension, but that Lon extension form they told me I qualify for is not available. I cant get ahold for anyone in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 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: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-07 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: TX

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
To CBE Group Inc. Date : XX/XX/2023 XXXX XXXX  XXXX XXXX IA. XXXX On XX/XX/2023, I requested Information from your company to which you were not able to provide within a thirty-day period. You attempted to circumvent my request by addressing your response to my wife, XXXX XXXX, when I alone XXXX XXXX, was the one who initially wrote the request. 

Your Collection company, verbally claimed to me, to have been given my IRS account by the IRS. By law, IRS selling or relinquishing my account to a collection agency releases their authority to collect funds form said client ( s ). The Collection agency ( CBE ) must provide any, and all legal information pertaining to the said clients account upon request. Your company failed to provide any valid information from your company in reference to the account in question. 

Anyone could find out who owes money to the IRS and claim to be an entity to collect said funds ( if they have the skill set to do so ) IRS data base has been breached before, so the publics information is not secure as it should be. 

IRS never provided me with a name of the any company as being a company authorized to collect said funds on their behalf or as the entity, they have sold the account to for collections. 

Note : I was making monthly installment payments to IRS through my XXXX XXXX account when IRS stopped receiving the payments. In my attempt to contact IRS via a personal interview there were no local interviews available in the XXXX area resulting in me having to drive three hours away from my home to XXXX XXXX, to have a face-to-face review of my account. I was set up to interview with an older lady that could not answer any questions, nor did she know how to access the information requested. I asked to see a supervisor because she could not answer any question. She stated there wasnt a supervisor on grounds and that I would have to reschedule. She was completely incompetent to working the position and could not help me to understand the reason for the charges incurred on the account. IRS makes it so difficult to contact them to get an understanding of accounts to the point that people cant get their questions answered. Yet the people are held to IRS statement regardless of IRS being right or the customer. IRS will delay the people on purpose while charging them for those delays which is so unfair. 

I am requesting the removal of all accounts baring my name and XXXX XXXX name from your accounts/ legers. I am also requesting no reporting to any credit reporting agency of this none- collectable account. 

I will also send a copy of this letter to the Federal Trade Commission, Consumer Financial Protection Bureau, and the State Attorney General Office.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 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: CA

Complaint narrative:
In accordance with the fair credit reporting act this creditor violated my rights under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1681 section 604A Section 2 it also states a consumer reporting agency can not furnish the account account without my written instructions. Under 15 USC 1666-B a creditor may not treat the payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-09-07 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: TX

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-09-07 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: MI

Complaint narrative:
I filed XXXX  XXXX to remove any file or car loans, 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 2023-09-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S. C. 1681 section 602 A states I have the right to privacy.

15 U.S.C> 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1666b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason

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 2023-09-07 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: WA

Complaint narrative:
This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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