vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Firstsource Business Process Services, LLC
State: NY

Complaint narrative:
Date - XXXX / Amount - {$400.00} / Violations of U.S.Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S.Code 1681 ( b ) permissible purpose / 15 U.S. Code 1681 C-2 /! 5 U.S. Code for reinsertions/ Legal documents letters of Cease and Desist / Harassment / Trademark & Copyright Infringement / were sent, issued to company, agency / owner, consumer alleged fraudulent debt was sent as negative debt, late payment, hard inquiry unauthorized as authorize user without the permission of consumer consent to all three credit beaururs XXXX, XXXX, XXXX, causing XXXX, unfair housing and employment opportunities.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
I applied for the Public Service Loan Forgiveness program. I made 181 qualifying payments towards PSFL, with the 120th payment that triggered forgiveness occurring in XXXX of XXXX. The Missouri Higher Education Loan Authority ( MOHELA ) shows in my XXXX qualifying payments. However, they reported to the US Department of Education 's Federal Student Aid department that our discharge was only effective in XX/XX/XXXX ( instead of the correct date of XX/XX/XXXX ). 

Because of this error, MOHELA and FSA have not refunded over {$20000.00} in overpayments I made on my student loans between XX/XX/XXXX and XX/XX/XXXX. I have been contacting MOHELA 's customer service lines for PSLF since XX/XX/XXXX and have been given various incorrect or incomplete answers regarding the delay in my refund. When I noted the error between their records of when I reached 120 payments and the discharge date they reported to the USDOE, I was told there was nothing that MOHELA could do to correct the misinformation and complete the refund process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
XXXX XXXX has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with XXXX XXXX, one with XXXX XXXX, and one with XXXX XXXX. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year XXXX has been nothing but disrespectful towards me treating me like an XXXX that has no credit.. This complaint has to do with my XXXX account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by XXXX XXXX  and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the XXXX XXXX account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.

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 2023-08-07 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: GA

Complaint narrative:
Consumer reporting agency has committed a form of identity theft. They receive not ANY written instructions/consent from me to report. They consumer reporting agencies have also not provided me with any proof they receive written INSTRUCTIONS from 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 explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Im filing this complaint because transunion is failing to except a ftc identity theft report I filed, it acts the same as a police report, if my complaint is not taking seriously I will hire an attorney to investigate and file a notice of dispute and sue transunion for damages, I want these accounts taking off my credit report they fraudulent, I will not tolerate my complaints going in notice because this complaint will be saved and copied for the attorney, XXXX XXXX XXXX XXXX  XXXX for XXXX dollars its collection XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX, I did not open remove it XXXX ) XXXX XXXX XXXXXXXX card remove it j did not open it Do not ignore my complaints im making this a promise I already hire an attorney for another situation but I can turn this over to that law firm and sue for damages My information was leaked on the dark web and compromised I will send screen shots showing my driver license and social security number was leaked and compromised

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 2023-08-07 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: SUNRISE CREDIT SERVICES, INC
State: WA

Complaint narrative:
Debt agency no longer has ownership of debt since XX/XX/23. XXXX XXXX XXXX has collected payment and the collector will not remove the collection.

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 2023-08-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

has violated my rights. Or list of inquiries XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I checked my credit report and saw multiple accounts reporting that I do not recognize. This is hindering my life and needs to be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: MS

Complaint narrative:
Fraudulent information being reported to my file and needs to be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: MD

Complaint narrative:
Planet Home Lending is harassing me with bogus fees and costs. I called Planet out for overcharging me {$870.00} in fees/costs that it got paid for by HAF. It took me 2 letters to Planet demanding an itemization and reconciliation of fees/costs. Planet was finally forced to acknowledge that I was right and they were wrong and they had to send the funds back to HAF. Planet is now retaliating against me. 

Planet claims in its XX/XX/2023, letter a {$100.00} fee for " Lawncut ''. Planet claims my neighbors were complaining about the lawn. That statement is a lie and Planet refused to provide me with any such proof. I have a neighbor move the lawn every 10-14 days and he states no one else has ever mowed the lawn. 

Planet states in its XX/XX/2023, statement that it is charging me {$770.00} in pending advances. I called Planet and no one knows what that is for but I'm being charged. I'm also being charged {$150.00} auctioneer fee when I was under Maryland legal protection from a foreclosure. Planet is doing what it can to steal money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
My relative 's XXXX account was hacked on XX/XX/XXXX. This account has not been recovered ( as of XX/XX/XXXX ) and the hacker is still attempting to use it to request money through XXXX. My cousin and I have sent money to each other in the past year. The hacker who stole his identity has a network of criminals with accounts in the XXXX XXXX  who participate in XXXX. The hacker sent me a XXXX on XX/XX/XXXX at XXXX XXXX  requesting money via XXXX and provided the email and name XXXX, XXXX XXXX. I tried to call my relative ( not knowing the account was stolen ) and he responded via text that the email connection was bad. I was asked to deposit in this XXXX account twice within minutes, I did deposit {$550.00} and then {$1000.00}, and a third amount was requested but by that point, I was suspicious because this had been done via texts and not voicemail. I attempted to cancel the transfers but they went through very fast. On the morning of XX/XX/XXXX, I contacted the fraud department of Wells Fargo XXXX and explained that these two transfers were push authorization payments obtained through fraud by a criminal who had hacked into a XXXX  account, therefore unauthorized ( Federal Reserve Board Reg E ). On XX/XX/XXXX ( date on letters ) Wells Fargo sent two letters ( one per claim ) stating they had received my claims and on the same day, they wrote two letters explaining that my claims had been denied because they determined the transfers were completed as requested by me. So Wells Fargo knows what financial institution and what account my money went to ( the XXXX XXXX  account of XXXX ). The fact that this transfer was completed as a result of identity theft was not taken into account. They have not even reported XXXX XXXX 's email address XXXX as a person in a chain of scams and fraud in what appears to be an international hacking operation. My bank seems to be protecting these criminals more than protecting me. I have filed a report with the FBI and the Federal Trade Commission and also with the State of NM Office of the Attorney General ( they have called me and guided me through several steps ). As a US citizen, I am concerned that this XXXX  hacker targeting US Bank account holders who have relatives abroad can continue to hack and steal via his chain of criminals with bank accounts linked to XXXX. Wells Fargo is not even flagging the account used to steal my money and has not provided me with any information about the owner of the account. I know nothing has been done because I can add the hackers account to my XXXX and it is still viable and there is no warning about the XXXX accounts connection to a crime. I have already called the FDIC at XXXX ( who has also provided guidance. )

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: IA

Complaint narrative:
I was applying and looking at a mortgage for my son and I and was notified by the credit union i had a collection on my account through I C system from XXXX communication. i had canceled and returned all equipment and was told i owed nothing to them and recieved zero contact from the debt collector about it being reported on my credit report leaving a deragatory remark, which in turn hindered my chances of getting a mortgage. XXXX told me they have bo ledger or description of why i owe or what i owe. The deragatory remark on my credit report without any notice from the collector because it being a charge off which they will not collect is unethical to not give the person notice or a right to dispute the debt in which my case i do not believe i owe. Finding this out just now when applying for something like this is very unsettling.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
During Covid my Navy Federal credit card was charged off because I am a XXXX XXXX veteran and I lost income and had a hard time keeping a job so Navy Federal Charged off my Credit debt. I Requested the 1099 tax info on the charge off and sent them a certified letter requesting it and they have not sent it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are XXXX percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delet these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account 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.

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 2023-08-07 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I received alerts notifying me that there has been a data breach with a government entity that has my PI stored in their systems. I was urged to take action by reviewing all of my information to make sure there are no changes or anything unrecognizable on my accounts. I was also urged to change my information. This has happened twice already and when I reported the issue the first time after noticing some changes on my credit report, the issue had not been fixed. I tried placing a lock on my credit report but I discontinued with the payments which they then discontinued the service.

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 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo Bank states there was a card in my name at the time i was trying to get my credit repaired from a identity theft that happen prior to finding out about this account with wells fargo. I was told the balance was {$130.00} .Since that was such a small amount i fiqured let me pay the {$130.00} so that this would be removed from my credit report. Not sure on the date but on my report it shows paid but its still showing a negative on my report .I would like to have wells fargo remove this from my credit report due to this is fruad.XXXX was a account that i had a secure card with .XXXX allowed some one who was not listed as a authorized user on my account to pay my XXXX bill and then when my card had charges that was fruad i file a dispute and XXXX wanted to make me pay for the charges that i filed a dispute with. XXXX XXXX XXXX XXXX was closed out because they did not clear my rent payment which caused me extra money for late fees with my property mangement. Its not true about the late fees XXXX XXXX XXXX XXXX had a problem with a late payment due to some issues with there system that didnt allow the payment to process.

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 2023-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
On XX/XX/XXXX, I paid {$200.00} to a XXXX user, " XXXX XXXX, '' for a XXXX XXXX transaction. The transaction was paid through my Venmo account balance to the Venmo account user, XXXX XXXX, @ XXXX. XXXX XXXX, XXXX XXXX, or XXXX XXXX ( probably all fake names ) never delivered the item. When confronted through the XXXXXXXX XXXX they admitted to being a scammer and proceeded to leave the conversation. 

On XX/XX/XXXX, I reached out to Venmo support to report the fraudulent charge. XXXX XXXX from Venmo support stated that their team would " take appropriate actions against that account '' as well as have the specialist team " get your money back. '' All quotes are verbatim what XXXX said. 

I had to personally follow up with Venmo weekly in order to obtain any sort of follow up. On XX/XX/XXXX, they informed me that they denied my unauthorized payment claim and closed my case, even though I have written proof of the other party admitting to being a scammer, taking my money, and refusing to deliver a promised service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Fraudulent information being reported to my file and needs to be blocked.

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 2023-08-07 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: MS

Complaint narrative:
Fraudulent information being reported to my file and needs to be blocked.

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 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has my credit file mixed with someone elses for the last few months when I log into myequifax someone elses account shows up. I have brought this to there attention multiple times. When I called customer service they assured me the right information is on my file but when I recently called I was told they cant find my file. I even uploaded my drivers license. Im am tired of countlessly sending in my personal information via mail because it makes me more vulnerable to identity theft. The issues is my credit report is frozen and I can not unfreeze it. I am trying to get mortgage loan and they cant access my file.

Company response to consumer: Closed with explanation