vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I HAVE BEEN EMPLOYED WITH THE XXXX XXXX XXXX XXXX XXXX SINCE XX/XX/XXXX. I HAVE BEEN MAKING ON TIME PAYMENTS ON MY STUDENT LOANS SINCE XX/XX/XXXX. I RECENTLY SUBMITTED MY PSLF CERTIFICATION TO MOHELA AND WAS TOLD THAT MY PAYMENTS WERE INELIGIBLE SINCE I WAS IN DEFERMENT OR FORBEARANCE. I WAS NOT IN DEFERMENT OR FOREBEARANCE AND WAS MAKING ON TIME PAYMENTS EVERY MONTH. 

I NOW RECEIVED A LETTER FROM MOHELA DATED XX/XX/XXXX STATING THAT MY APPLICATION FOR IN SCHOOL DEFERMENT HAS BEEN APPROVED FOR XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX : I NEVER APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN WORKING FULL TIME FOR THE XXXX XXXX XXXX XXXX  XX/XX/XXXX AND MAKING ON TIME PAYMENTS! 

THE LETTER STATES THAT I HAVE BEEN APPROVED FOR IN SCHOOL DEFERMENT FOR SEVERAL PERIODS, INCLUDING XX/XX/XXXX TO XX/XX/XXXX AND XX/XX/XXXX TO XX/XX/XXXX. 

I WANT THESE DEFERMENTS TO BE REMOVED FROM MY ACCOUNT AS THEY ARE WRONG-I HAVE BEEN EMPLOYED FULL TIME AND MAKING ON TIME PAYMENTS DURING THOSE PERIODS OF TIME! I XXXX  XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX I HAVE BEEN XXXX XXXX XXXX XXXX XXXX  SINCE XXXX AND MAKING ON TIME PAYMENTS FOR YEARS-THIS IS PREDATORY BEHAVIOR AND SIMPLY WRONG. PLEASE HAVE THEM REMOVE THESE DEFERMENTS AND HAVE MY LOANS CORRECTED TO BE IN REPAYMENT. I WOULD LIKE TO HAVE MY PSLF COUNT UPDATED FOR THESE PERIODS OF TIME AS WELL.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: CA

Complaint narrative:
XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX  that the debt is fraudulent, but the fraud took place on XXXX XXXX  end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX  is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX sent me a letter that i've attached to this complaint. The letter states they did an investigation and determined I'm responsible for the credit card account and they have reported that information to 4 credit bureaus. Their investigation is a consumer fraud investigation to determine if my card was stolen. I have indicated multiple times to XXXX that the debt is fraudulent, but the fraud took place on XXXXXXXX XXXX end. Not the consumer end. They investigated the wrong thing and came to the wrong conclusion and then reported false information to 4 credit bureaus after I have been yelling and screaming at them for nearly a year to stop. I have reported their fraud to the CFPB under many complaints. Such as : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and many many more. Most recently they have indicated falsely that " Company responded the complaint does not belong to them ''. XXXX is bankrupt and must stop making loans immediately and all assets must be sold off to repay creditors like me. Most likely the US government is going to have to sell off land to repay creditors as was done with the failure of the Second Bank of the United States. XXXX will be entirely liquidated. Banking as an industry is going to cease to exist. New bankers like myself will replace XXXX entirely in the marketplace. Government will be forced to follow the law, rather than print counterfeit money and classify their crimes. This is the end of an era. In the meantime stop harassing me. The XXXX related bankruptcies are coming for you XXXX, and the guilty are going to prison this time.

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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation
State: VI

Complaint narrative:
I am writing to file a formal complaint concerning an inaccurate late payment that is erroneously reported on my credit report. I wish to emphasize that I have never been late on this payment, and the inclusion of this late payment on my credit report is a significant error that is adversely impacting my creditworthiness. 

Account Information : Creditor Name : FORTIVA ] Credit Report Bureau : [ XXXX XXXX XXXX XXXX XXXX [ XX/XX/2022 ] Description of the Issue : Upon a thorough review of my credit report, I discovered a glaring error : a late payment is reported for the account mentioned above. I wish to clarify that I have consistently made timely payments on this account, and there has never been any occasion when I was late on a payment. This erroneous late payment notation has unfairly diminished my credit score and financial standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06 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: IL

Complaint narrative:
I requested that XXXX, TransUnion, and XXXX reinvestigate the following accounts : Account name # XXXX, Account name # XXXX, Account name # XXXX, and Account name # XXXX. However, they have responded that the information is complete and accurate. I disagree, as the open date, date of last activity, and other information is incorrect. According to 15 USC 1681 ( 5 ), consumer reporting agencies are required to modify accounts that are not reporting correctly. 

I have also included the relevant sections of the Fair Credit Reporting Act ( FCRA ) that you mentioned. These sections state that you have the right to privacy, that consumer reporting agencies can not furnish a report without your written instructions, and that consumer reporting agencies can not include certain types of information in a report, such as criminal convictions that are more than seven years old. 

I hope this is helpful. Please let me know if you have any other questions. 

Here is another way to say it : I have disputed the accuracy of the information on my credit report with XXXX, TransUnion, and XXXX. The accounts in question are 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 The information that is incorrect includes the open date, date of last activity, and other information. 

According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to investigate disputes and modify or delete inaccurate information. I have provided the credit reporting agencies with all of the documentation that supports my dispute. 

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

I am requesting that the credit reporting agencies reinvestigate my dispute and modify or delete the inaccurate information. I am also requesting that they send me a copy of my updated credit 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 2023-09-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: RoundPoint Mortgage Servicing LLC
State: GA

Complaint narrative:
Roundpoint Mortgage bought my mortgage from XXXX XXXX. The only notification I got was one thing in the mail that I didn't open because I get all kinds of mortgage stuff that's XXXX  and one email in XXXX that they purchased my mortgage. My bill was on autopay from XXXX XXXX so that obviously ended when they bought it. I didn't notice that my mortgage wasn't being deducted because I have a lot of expenses for my work and my mortgage is relatively small so I didn't realize I wasn't paying. I only found out when they put my house in foreclosure and destroyed my credit score. I then looked into it and finally got in contact with them. They never sent me a single bill on email or actual mail. They never called me about the issue. They never sent me a foreclosure notice. Nothing but one item of mail when they first purchased it. They then claimed that the post office was sending back everything that they tried to send to me. I don't know how because they obviously were able to contact me with the initial email and the initial mail. They told me all the bills and foreclosure notices never made it to me and that it was my fault. They then charged me an additional {$1400.00} dollars for a foreclosure attorney to reinstate my bill and get out of delinquency. I have never missed a single mortgage payment so I was able to afford to pay the {$7700.00} to go current but had I not noticed this company would have foreclosed my house without ever contacting me. Only reason I found out is because my credit card company sent me a notice that my credit had dropped by XXXX points.

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 2023-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Activehours
State: MD

Complaint narrative:
Earnin is supposed to lend money out in between pay checks. They get paid back AFTER I get paid. Their policy states that they make sure that they won't deduct money from an account until AFTER a paycheck posts. This is a lie. On XX/XX/2023, they attempted to deduct {$840.00} BERORE i got paid. It cause overdraft fees and extensive stress on my part as they DRAINED my account. 
They also have no legitimate phone number and force customers to communicate via an outdated chat option in their app. I spent 3 hours trying to solve the problem and it took three escalations before anyone UNDERSTOOD that they can't take money out of my account before I get paid. They just said if I get overdraft fees, they would refund me, like that was OK. Supposedly after three hours, they fixed the next deductions to occur on XX/XX/XXXX. 
However, today, I was informed by the app that they would be deducting {$520.00} TODAY, 13 days early!!! Again, the only contact they provide is through their awful chat feature. So i spent several hours and they kept either not understanding ( with pictures provided ) or played XXXX to try to get me to give up my complaint. I had to move all the money out of my account to prevent them from draining my account a SECOND TIME in four days. I had to take off work 2 hours early to deal with their fraud, theft and broken company. I had to take off work and the 6 hours wasted on chat. I repeatedly asked to speak with someone and they refused over and over again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sold my property and Im trying to pay off my HELOC and the Bank Of The West transfer to BM old bank and I was told that I can not pay it off until the XX/XX/XXXX date because they were doing a transfer of banks. When I tried to call and pay off my loan they have done everything possible to not allow me to pay off my loan. I have called Now four times and they have made it virtually impossible for me to get my new account number so I can pay off my loan and Ive also asked them to fax to the escrow office the payoff which they have not. I have now incurred interest for over a week due to this transfer of bank and also have lost interest on my money that the escrow is holding over {$60000.00} in excess of my alone amount.

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 2023-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On Tuesday, XX/XX/2023 I transferred {$100.00} via Money Gram to a friend in XXXX. I received an email that the transfer was in progress. 
I have been doing this for a few years. I can not access my Money Gram account so I can not provide you the date I started. 

On Friday XX/XX/2023 I received an email that the transfer had been sent On Saturday, XX/XX/2023 I received an email that the transfer had been CANCELED, with no explanation. 

This evening, Tuesday, XX/XX/2023 I attempted to learn from Money Gram what the problem was. There is no way to get a person on the phone at Money Gram. There used to be, but no more.

I went on a " Live Chat '' and was told I would, in future, have to use another transfer service. The chat person, XXXX, told me he could not provide me a reason. 

If there was a problem I would like to know what it is. At Money Gram there is no way for me to learn the problem. 

Is there no accountability for these money transfer services? 

I so appreciate your help in this matter and I hope to hear from you. 

Thank you for your help. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Sine we purchased this home it seems like they have done everything possible to take it from us ... .From not applying payments properly, forcing us to add in taxes and homeowners and they never pay it on time. 
They state if you have issues you can do this and that but when you try you never get a response then you call and find out you were denied and they didn't tell you because they started the forclosure. 
We were put on a forbearance for a year during covid and how it was explained to us is that it would just be suspened instead they added about XXXX to our loan. if we knew they were going to charge us an extra year we wouldn't have done it. We owed XXXX now they say XXXX. 
This is not right and very dirty company they have changed their name at least 4 times since we have lived here. 
And like everywhere they say you have an account manager but good luck speaking to them when you ask for the name on the letter they say this person don't exist. 
Every time I call you get a different person and not one of them has any idea what you are talking about, even though when I end my call I ask for a confirmation ( that I never get ) and to please note the account. DOES NOT HAPPEN! 
Every time I call all they want is a payment it does not matter the situation and if they didnt do what they said they were going to do they just want you money. 
Also we have tried to make partial payments bi-weekly and they leave it in unapplied funds never apply it and you have to jump thru hoops to get it back. 
If you ask for a supervisor you get disconnected or just left on hold unti lyou hang up and if your past due they don't let you access your account on line and won't let your call go threw till they get a payment. 
And it is a problem when they don't understand english.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I tried to purchase insurance for my pet on XX/XX/2023. My payment was declined several times. I checked my account on the mobile app and everything looked fine. I called Chase customer service and they informed me my account is frozen and in the process of closing. They refused to give me any details as to why, they offered no help at all. I went to a chase branch and they informed me the same thing, they wouldn't even let me withdraw my money at all. I then called chase customer service one more time and got no where again. She also refused to provide any details as to why my account was frozen and in the process of closing and why I had no access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: EQUIFAX, INC.
State: FL

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 15 USC 1681. 

Account Name : XXXXXXXX XXXX Account Number : XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of 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 2023-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To whom it may concern : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

The fraudulent accounts appearing on my Equifax credit report are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. 
The unauthorized and fraudulent inquiries appearing on my Equifax credit report are : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. 

I sent a request to Equifax to have all of the incorrect information removed from my credit report, Pursuant to section 605B of the Fair Credit Reporting Act. I have sent them all the required documents ( Police report, Identity verification, Credit report with the false info circled ) but Equifax did not take any action regarding the incorrect and fraudulent information on my credit report. Equifax within minutes in most cases sent me an automated email saying your investigation is complete. Meanwhile, the two other credit bureaus removed the fraudulent info but Equifax sent a robotic automated response refusing to do anything. This is completely against the section 605B of the Fair Credit Reporting Act and Equifax should be held accountable.

Their actions are hurting me and my family massively. 

Claims/Disputes # with Equifax are XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 

Please make Equifax comply with the Fair Credit Reporting Act and remove all incorrect/fraudulent information as the result of Identity theft from my credit file. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation