vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I needed a new bank account for myself as a US citizen but I keep getting denied approval from some banks. I cant say if it is discrimination or there is something from about me applying for an online checking 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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/XXXX I filed a fraudulent claim with Navy Federal Credit Union for a charge from XXXX XXXX for {$180.00} that was not supposed to happen. I spoke with customer service and she admitted this was an incorrect charge and XXXX  would refund me in three business days. That never happened. I submitted a fraud claim with Navy Federal Credit Union on XXXX XXXX  They immediately issued a temporary credit in that amount while investigating ( a process that could take up to 90 days ). 

On XXXX XXXX XXXX XXXX charged me a second time for a different amount of {$180.00} for the same transaction. I immediately called Navy Federal Credit Union and filed a dispute, letting them know it was the same transaction and to stop any future charges. The only way to do that was to close down my debit card ( a true hassle ) so I did. I went through the dispute process and did not receive a credit to my account. I was told it could take up to 10 business days. It has far passed that and still no credit. I called back on XXXX and was told they weren't sure why it wasn't there. The " system '' determines if a credit is issued. 

It takes a person to simply look into the fraudulent charge. To date, I am out {$180.00}. It is the holidays and I need this money. In addition, they are now having issues posting transactions. 

They used to be a great company to work with but they are not taking my account seriously. Can someone please help me recover my money and make sure this isn't happening to others?

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 2023-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I need a new online checking account for myself so I decided to apply for one as a US citizen but anytime I apply my application gets denied even though the company has pulled my credit report with a hard enquiry. I am confused why I am been denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please examine the attached documents. I request the bureau to investigate the accounts that inaccurately depict me as late, despite my punctual payments.

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 2023-12-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO.
State: WV

Complaint narrative:
On XXXX XXXX at approximately XXXX my vehicle was unlawfully repossessed at my apartment. The repossession company hired by my lender Chase bank approved this repossession company tokeep my vehicle after I clearly stated an objection to the repossession. My vehicle was in parked and running when a white pickup truck pulled up and took my vehicle. They took my keys that was inside of the vehicle while the vehicle was running. The driver was immediately informed that I the consumer was objecting to the repossession. Clearly demanded the return of my automobile the driver evaded my respectful request. I was at a safe distance from the vehicle gratefully as this driver was driving and moving at an alarming rate. This repossession was illegal for several reasons as I am sure it was a forceful attempt. An attempt that threatened the safety of myself and others around. Im asking the vehicle be released to me immediately. This company has made it clear they will not let me have my personal property from inside the vehicle. In attempts to avoid legal action on this repossession company and Chase bank as well. Unlawful repossession is highly subject to lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
This is a credit card account that I had know ideal existed until a bill came in the mail. I contacted the company to dispute this account all the time most people receive these letters in the mail from credit card companies I told them someone mustve taken the mail and filled out the information and received the card without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
1024.36 Requests for information. violated ive contact this company NUMERous times to get information ( ignored ) explanations or assistance to navigate the website for intimation on their page ( ignored ) 1024.39 Early intervention requirements for certain borrowers. ( violated ) I try to call and its like im on hold for hours to get to a person I don't know what the heck is going on and its been like that for MONTHS!!!!

1024.38 General servicing policies, procedures, and requirements ( violated ) first my modification was denied cause I made the mistake of adding extra income and they wanted the long form of thief information and denied it cause it was supplied but I shown with my income alone I was able to stay in my house so the second modification I do the exact same thing only without the secondary income and they STILL DENIED IT now im in foreclosure and they know PAHAF will pay this loan I gave them the letter showing im in the program and they are back logged yet mr Cooper just continues violating my civil rights Ive emailed XXXX 2023 XXXX XX/XX/XXXX XXXX no replies no answers to why my information isn't unacceptable nothing just the continuances of predatory actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi bank Best Buy credit card. They sent me a letter we could not find any morgage. I did not say morgage. 


Requesting the following : Send me a bill with a human signature on it. I also need to see the two party contract supporting that bill. I need to see a lawful two party contract supporting that bill.I signed your last bill accepted for value which means I give you permission to bill my XXXX account cestique act trust of 1666. 

Banks can not loan money per book of the federal reserve called money modern mechanics of the XXXX federal reserve. They take my signature and exchange them for credits. Book keeping entries. The bank is not allowed to loan other clients money. The bank never told me that they never had funds to lend me. I can charge the bank with securities fraud. You take all these promises to pay and sell them on XXXX XXXX as securities. This is very funny. If I do this I would be jailed. I am requesting for your bar card attorney for XXXX XXXXXXXX XXXX  to take them to the federal court house in XXXX XXXX XXXX to get sued for fraud. I am not a XXXX XXXX who has no rights at all XXXX laws dictionary definition uncompendent XXXX. I am a American state national. This is your last chance before I expose your crimes to the entire world. Also XXXX XXXX coming and global reset.

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 2023-12-12 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: IL

Complaint narrative:
See the attached documents. I want the bureau to begin an investigation into these accounts, as they falsely indicate late payments.

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 2023-12-12 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: VA

Complaint narrative:
Formal Complaint Against Equifax and XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Equifax and XXXX regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against Equifax and XXXX to rectify the violations promptly. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: MI

Complaint narrative:
I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a single mom who has a XXXX XXXX XXXX XXXX. I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.

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 2023-12-12 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: MI

Complaint narrative:
I have been disputing multiple accounts with this agency on multiple occasions and have yet to be properly assisted. I have updated my personal info and still incorrect information is connected. I have these exact accounts apart of a lawsuit due to negligence. The same accounts are being added multiple times to change the ages. I am a single mom who has a XXXX XXXX XXXX XXXX I can not get a car, a decent income source, credit or a home. I didnt know what to do so Ive come to taking legal action. I am needing desperately to get into a vehicle before the year is over because I live in a cold state. I want to get my baby a home of our own this upcoming year as well. 

I have been receiving calls, texts and emails in regards to these fraudulent accounts that should not be attached to my profile. This has been depressing and very life alternating. 

I have attached the tracking number for the latest dispute and personal info update submitted. I have yet to hear back about updates or investigation status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: GA

Complaint narrative:
Why are you indicating that XXXX XXXX XXXX XXXX XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached COURT documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " XXXX XXXX ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for XXXX XXXX XXXX XXXX XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: IN

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Refer to the enclosed documents. I would like the bureau to initiate an investigation into these accounts, as they inaccurately report me as late, despite my consistent on-time payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX and Experian Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX and Experian regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and federal law concerning identity theft reporting on my credit report. I have repeatedly informed both agencies about the identity theft, providing necessary documentation such as police reports and identity theft reports. Despite numerous notifications, the inaccurate information persists on my credit reports.an accounts opened in my Name for XXXX XXXX XXXX XXXX and XXXXXXXX XXXX was from Id theft I've send my police report and id report in numerous times these company 's are in violation of federal law and need to have some consequences I believe these ongoing violations not only jeopardize my financial standing but also demonstrate a blatant disregard for the legal obligations outlined in the FCRA. As a result, I am left with no choice but to consider pursuing legal action, including the initiation of a class-action lawsuit, unless immediate corrective actions are taken. 

I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate actions against XXXX and Experian to rectify the violations promptly. 

Thank you for your attention to this matter.

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 2023-12-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Why are you indicating that Wells Fargo Card Services XXXX has a past due balance of {$19000.00}? How is this even possible? I have attached XXXX documented proof that this account has a settled balance of {$15000.00} & should have a current balance of {$12000.00} due to a payment made on XX/XX/XXXX, XXXX I demand that you update this account or delete the account immediately according to 15 USC 1681e ( b ). 
Why are you reporting a derogatory mark in XX/XX/2023 as " Charge Off ''. This is incorrect because a payment was made on XX/XX/2023. I demand that you updated this account and mark this account as current for Wells Fargo Card Services XXXX? I demand that you update this or delete the account immediately according to 15 USC 1681e ( b ). 


Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 


I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if you are reporting the wrong balance, and an incorrect derogatory mark? You must provide me with an answer of why you are reporting this. 


I request that you MAIL your investigation results to the address listed above. I have attached a social security card, drivers license, and passport that proves my identity and my only accurate address. 


DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

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 2023-12-12 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: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against MOHELA, a service provider for student loans, for their persistent negligence and incompetence in managing my Public Service Loan Forgiveness ( PSLF ) employment verification and qualifying payment count. 

Since XX/XX/2023, I have submitted several PSLF employment verification forms to MOHELA. Despite this, they have consistently failed to process these submissions and apply the qualifying payment count to my account. This ongoing issue has not only caused significant stress and inconvenience but also stands as a barrier to my financial well-being and progress in loan forgiveness under the PSLF program. 

Such a level of service is unacceptable and unbecoming of a company tasked with managing a matter as crucial as student loans. It is imperative that MOHELA be held accountable for their actions, or lack thereof, to ensure that borrowers like myself are not unduly harmed by their incompetence. 

I urge the Consumer Financial Protection Bureau to take this complaint seriously and conduct a thorough investigation into MOHELA 's practices regarding the handling of PSLF forms and payment counts. It is vital that measures are taken to rectify this situation promptly and prevent similar occurrences in the future. 

Thank you for your attention to this matter. I am hopeful that with your intervention, a resolution can be reached that upholds the rights and interests of student loan borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation