vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-21 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: NY

Complaint narrative:
My student loans are currently serviced through MOHELA. Initially I was on REPAYE plan then transferred to SAVE plan with {$0.00} payment based on IDR information submitted XX/XX/XXXX during the pandemic. I logged online to MOHELA account and saw that my {$0.00} payment changed to {$2500.00} with a due date of XX/XX/XXXX within this past week. I have not received any correspondence regarding this payment amount despite emails from FSA stating that servicers must provide at least 21 day notice. After speaking to MOHELA representative, they stated that they sent email correspondence to my email on file on XX/XX/XXXX although this never made it to my inbox. I requested they resend this information so I have it on file but have yet to receive anything. I requested an extension to the due date as I did not receive adequate notice as I tried to resolved the issue with the incorrect amount being due but was told my only option was to enter forbearance. The representative also stated that my current payment amount of {$2500.00} was the amount if I did not re-certify my income as they did not receive any information from my prior servicer XXXX ( previously automatically transferred from XXXX XXXX ). I provided them with information in the form of mail correspondence from EdFinancial dated XX/XX/XXXX reiterating my approval for REPAYE payment plan which was automatically transitioned to SAVE along with the payment of {$0.00} until recertification on XX/XX/XXXX. I also provided the initial copy of my REPAYE IDR application back in XX/XX/XXXX and associated tax returns. Based on the correspondence from my prior servicer my recertification date would not be until XX/XX/XXXX. I am still being pressured to re-certify my income at this time as they stated this would be my only resolution despite FSA stating that borrowers would not have to recertify until 6 months after repayment start at the earliest. They are stating this is the only option as XXXX did not send over the appropriate documents to transfer the IDR plan to MOHELA. I am still awaiting a resolution to the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Sunlight Financial LLC
State: PA

Complaint narrative:
Client of the for bankrupt XXXX XXXX in XXXX of 2022. They sold me a solar powered system that was full of lies and deceit. Does not save money and sold a warranty that can not be used because the company is bankrupt and yet Im still paying for it all. I believe the loan company was aware of all of this and went a long with the process because they sold my loan to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I wanted to buy a jewelry online, the seller contacted me and stated the piece is for sale. They accept XXXX  When i entered the email it did not show if the address is verified so I assume d XXXX can not use unverified addresses. I sent {$170.00} via XXXX  with the thoughts if it would be a scam I can stop payment immediately. In 3 min after I paid the real owner of the site contacted me and warned about the scam. I contacted PayPal immediately to request stop transaction. I didnt find even a link to stop the authorization. I wrote the dispute ( what was the only option to contact XXXX ). The next morning I received an email XXXX sent money and is unable to stop authorization since it was Family and friends money transfer. 
I did not check the option family/friends as there were no even other options. There were no option to apeal the dispute decision. I was trying to contact XXXX and put two requests for the representative to contact me, no one responded for 2 days. I would like to get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
To whom this may concern, This letter is to notify youabout a problem I am having with the company US AUTO Sales and Westlake management. I purchased a vehicle from US Auto Sales at the XXXX location and it was a few years I was with them. When they went bankrupt it cleared the debt and now Westlake management is trying to collect. I asked them to provide in writing who the original creditor is and request documentation that verifies I owe the debt, such as a copy of the original contract. And being based in California Im not even sure if its legal to collect debt in this state. This was many months ago when I spoke with someone who said they cant provide the documentation and put a cease and desist on the account. Which is still on it today. I know this because after filling a complaint to the XXXX  on XX/XX/2023 they repossessed my car in the middle of the night. I call them today XX/XX/2023 and they stated yes they have it even though they know they havent verified any information, and theyre the ones that told me about the account being under a cease and desist. This is providing a financial burden now. Im missing work and have children to provide for. I need a rational and reasonable solution to resolve this matter quickly.

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 2023-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: PA

Complaint narrative:
This bill is not my bill and the creditor did not give me any information about this bill. Futhermore, I was never sent any information about this being my debt. I disputed it and XXXX removed it but XXXX and XXXX did not and did not give me any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: CA

Complaint narrative:
XXXX, Transunion, and XXXX have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. 15 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . Transunion, XXXX, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

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 2023-09-21 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:
XXXX, XXXX, and Equifax have reported incorrect and misleading information on my credit report. I am a victim of identity theft and these accounts do not belong to me from the following companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


I had no involvement with the transaction according to 15 USC 3002 I am a natural person which means my name in all caps is not me. My name is XXXX XXXX. XXXX5 USC 1692 ( a ) ( 1 ) the term " Bureau* means the bureau of consumer financial protection . XXXX, equifax, XXXX, and experian are assumed to be credit bureaus and there is only one bureau and that is the consumer financial protection bureau. On XX/XX/1933, congress enacted hjr-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress... In the payment of debts. This resolution declared that any obligation requiring " Payment in gold or a particular kind of coin or currency, or in an amount in money policy ; and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( e ) ( elthe term 'investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. Payment is legal tender for public and private debts. 15 USC 1681 c2a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
See attached Comments and Exhibits. 

XXXX XXXX XXXX XXXX ( XXXX XXXX '' ) reported a medical collection associated with XXXX XXXX to Experian XXXX XXXX and XXXX on XX/XX/XXXX wherein XXXX XXXX claimed that the medical debt had been outstanding for more than a year ; however, statements from XX/XX/XXXX and XX/XX/XXXX show that no such balance existed and that XXXX XXXX XXXX claim is both inaccurate and false. 

Upon filing a dispute with Experian on XX/XX/XXXX, an investigation was conducted ; however, XXXX XXXX CERTIFIED to Experian that the information in the collection was accurate and Experian made no change ( s ) to my credit report. 

On XX/XX/XXXX, I contested the dispute findings electronically and attached XXXX XXXX XXXX XXXX  page of comments and XXXX ( XXXX ) pages of exhibits. 

In response, Experian informed me that my contested dispute had been concluded but that the findings and the report were not available to me electronically. Hence, final resolution of this matter appears on-going. 

Additionally, I have now received a notice from a third party credit provider stating that as a result of this medical collection, I am now subject to higher interest and fees.

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 2023-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a Regions XXXX XXXX XXXX XXXX credit card account. I notifed Regions Bank of billing errors, and disputed a number of inaccurate interest charges, by mailed letters dated XX/XX/XXXX and XX/XX/2023. The Bank did not respond to my letters nor correct the errors, and continued posting further inaccurate interest charges on account. 
On XX/XX/2023 I attempted to bring these issues, and additional interest transaction problems, to the Bank 's attention for resolution in a certified mail letter. The USPS return receipt confirmed that the certifed letter was delivered to the Bank on XX/XX/2023. A true and correct copy of the letter, with its enclosures and the USPS return receipt with tracking, is attached to this complaint. 
Regions Bank did not respond to this letter, and took no actions on the account to correct the errors or otherwise address the problems identified. 
As of the letter 's date XX/XX/2023 the billing errors amounted to {$59.00} over-charged to the account. However, due to the Bank 's failure to resolve the ongoing problems, additional erroneous interest charges appear on the account 's XXXX and XXXX statements, in the amounts {$46.00} and {$46.00}, respectively. 
In the absence of any explanation whatsoever from the Bank on this matter, the current disputed portion of this account 's balance is not less than {$150.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I HAVE UNAUTHORIZED CREDIT INQUIRIES ON MY REPORT. THEY ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Ulta continues to add late fees and interest to account since XX/XX/2023. 
The balance continues to rise just like you allow other companies to do Since to out to destroy my name have fun because it does not bother me let it stay on my name. 
You are not going to help anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MD

Complaint narrative:
I have a Chime checking account. Between the dates of XX/XX/2023 and XX/XX/2023, a total of XXXX fraudulent charges were made on my account. A total of {$530.00} was stolen from my account. I have reached out to Chime multiple times. They opened an investigation and later that same day, already determined that no error was made and no funds will be credited or reimbursed. I called again the next day to explain that its pretty obvious these are fraudulent charges and even the second Chime representative I spoke to that day even said she thought it was obvious by looking at the charges, times, etc that they were fraudulent. She reopened the investigation for me. Later that same day, I received another email from Chime stating that they concluded their investigation and found no error was made and no funds will be credited or reimbursed. Im currently waiting for the documents Chime used to deny my disputes to XXXX in the mail. Once I have that I will be filing a police report along with reaching you CFPB now. It blows my mind that Chime took just mere hours to do a while investigation just to deny me when its very obvious these are fraudulent charges I did not authorize.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX Closed XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Opened XX/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 2023-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
This company states I owe {$1500.00} back from 2012, and the statute of limitations has passed. I do not owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21 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: GA

Complaint narrative:
This is Third attempt, I dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. As per my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I am disputing the following collection accounts : I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine. I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C 1681i ) Account XXXX XXXX XXXXXXXX, XXXX account XXXX XXXX XXXX XXXX XXXX -account numberXXXXXXXX XXXX XXXX XXXX-account number-XXXX, XXXX XXXX XXXX-account numberXXXX Please note that accurate reporting is crucial for fair credit practices , and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages

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 2023-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Unchained Capital, Inc.
State: FL

Complaint narrative:
I took out a cash loan fully backed by my Bitcoin holdings with Unchained Capital in 2021 when I was a Hawaiian resident, with the understanding that I would be eligible for a renewal loan at a later date. I was told by the company that they could open a bitcoin-backed cash loan for my company, but not as an individual. After the loan was open, the Bitcoin market experienced a significant drop, causing the value of my collateral to decrease temporarily. Despite the repeated assurance by phone and online messages of a renewal loan as an option right before the loan matured, Unchained Capital denied my renewal opportunity days before the maturity date by email, even though my loan was more than adequately collateralized, when the Bitcoin price was at its lowest point in recent history, leaving me in a precarious position. 

As a result of this denial, I was forced into liquidation, and I tragically lost half of my valuable Bitcoin holdings, even though I had enough bitcoin to back another loan of the same cash value. They used high pressure to force me to tell them to take immediate action because the loan was in delinquent on the day I normally made my monthly interest payment. Without confirming with me, they also sent a XXXX  demand letter to my previous address in Hawaii despite the fact that I was living in the state of Washington. My previous landlord got the letter and opened it and my former neighbors all learnt that I was a loan delinquent and they speculated that was probably the reason that I left Hawaii because I must have been broke. Indeed, the loss of a significant portion of my bitcoin holding has had a severe impact on my financial stability and long-term plans. I expected better treatment from a reputable company like Unchained Capital, especially considering our previous positive interactions. 

To make matters worse, I have recently received an offer from Unchained Capital for a similar loan again, now that the Bitcoin market is showing signs of improvement. This raises serious concerns about the ethical nature of the company 's predatory lending practices. It appears that Unchained Capital is capitalizing on fluctuations in the market to the detriment of its customers, myself included. 

I strongly believe that this lending practice is not only highly unethical but could potentially be in violation of relevant regulations and laws governing financial services.

Company response to consumer: Closed with explanation