vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Mohela doesn't respond to any messages or process requests for changes, such as deferment requests, or a XXXX request that I was advised to request by a supervisor via their website. 

Their processing window is a large, undefined black-hole of time in which we submit requests, and then have no idea how long it will take for processing. At the beginning of the month, 15 business days prior to needing to be in repayment, I submitted a deferment request because of Mohela 's incompetence with counting my PSLF payments correctly. 

Since they couldn't count the payments correctly, and am still waiting on resolution with that problem, I have submitted a separate CFPB complaint about that. Almost a month later, there has been no word whatsoever from Mohela as an explanation of what has happened with my payment accounts. 

Therefore, starting yesterday, I tried to call Mohela, only to be met with a 98 minute hold time, which is unacceptable. The menu prompt said to call again between XXXX XXXX. After calling this morning at XXXX XXXX I'm already subjected to another 49 minute hold time to even speak with someone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: CA

Complaint narrative:
I called Mohela on XXXX XXXX XXXX  ( and was on hold for over an hour ) to advise them that I was due a refund for the payments I overpaid to my loan servicer due to the incompetence of the previous PLSF administration. My Mohela case number is : XXXX. 

I am also due a recalculation of the amount forgiven because I was eligible for an income driven repayment plan, as my income during the initial PLSF plan XXXX XXXXXXXX  ) was {$37000.00} - {$65000.00}. My servicer at the time, XXXX XXXX XXXX gave me incorrect information that my FFEL plan was the correct plan and did not counsel me that I was eligible for income driven repayment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have been trying to find out what happened to my property ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Investment No. XXXX that I purchased on XX/XX/XXXX for {$1000.00} at 12 % fixed rate and matured on XX/XX/XXXX with a XXXX value of {$630000.00} and a PAR value of {>= $1,000,000}. Please see the attached correspondence that provides a timeline of the research I have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America closed my husband and Is checking and savings accounts as well as my business checking account. This happened while my husband and I were out of the country, XX/XX/XXXX, we had no funds at all. This brought so much stress on both my husband and I. We didnt get any warning in any communication. We were told by the agent over the phone that funds will be released after XX/XX/XXXX. I called yesterday, XX/XX/XXXX, and was told they still dont have a date and funds are still being validated. We already received the bank statements showing the funds and how much is left for each account. Its already more than a month and I want the funds released, its our money. If only they can pay penalty for humiliating us over the phone and doing this to us like were criminals in which were absolutely not, I would demand for them to pay. I am beyond frustrated trying to guess when theyre going to give our money back. Please, help us.

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 2023-10-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX 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 XXXX 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 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.

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 2023-10-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im accordance whit the Fair Credit Reporting act XXXX account # 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 a account without my written instruction.

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 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HOVG, LLC
State: DE

Complaint narrative:
I filed a dispute in 2020 because this account did not belong to me so this account was brought by an collection company brought an account and trying to come after me for something that dont belong to me I asked for Verification and validation of this account that I own this account that was brought I asked for proof that yall was the original Owner of this account and that yall have a clear title of this account and something that shows I made payments to this account please provide this information if not please remove from all XXXX Credit Bureaus.What process did yall use to verify this 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 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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: EdFinancial Services
State: FL

Complaint narrative:
My employer has sent two checks to EdFinancial to assist with student loan repayment. The first check was issued on XX/XX/2023 for {$3500.00}. The second check was issued for {$870.00} on XX/XX/2023. BOTH CHECK HAVE BEEN DEPOSITED. NEITHER CHECK HAS BEEN CREDITED TO MY ACCOUNT. 

I have called many times. EdFinancial has a phone queue longer than 500 minutes and often does not return the call at all. I have only ever been able to speak to one representative who claimed I " have to wait ''. It has now been nearly 60 days from the first payment. They have lost these checks. They are not investigating. They are not crediting my account. They refuse to help at all. I have no mechanism to hold EdFinancial accountable and they are STEALING loan payments. This is unacceptable.

In addition to lost payments. EdFinancial is DOUBLE CHARGING my autopay personal bank account. I signed up for auto-pay on XX/XX/2023. EdFinancial then charged my account a second time on XX/XX/2023. When I called to inquire they claim to not have received either payment and refused to reverse the UNAUTHORIZED second charge on my account for {$450.00}. EdFinancial is STEALING MONEY. They never credited my loan account with these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 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 am writing to bring to your attention multiple inaccuracies and fraudulent activities on my credit report, which have severely impacted my financial well-being and livelihood. I have already contacted the credit bureaus involved but have not received satisfactory resolution. Therefore, I am seeking the intervention of the CFPB to ensure that these errors are corrected as per the Fair Credit Reporting Act ( FCRA ). 

Fraudulent and Inaccurate Accounts : There are accounts listed on my credit report that I did not open or authorize. These accounts are fraudulent and need to be removed immediately. 

Late Payments : My credit report shows late payments that are incorrect. These inaccuracies are affecting my credit score and my ability to secure loans or other lines of credit. 

Incorrect Addresses : The report lists addresses where I have never resided. This incorrect information needs to be updated to reflect my actual residential history. 

Collections Account : There is an account listed as being in collections that I dispute. This account is illegally showing on my credit report and must be removed. 

These errors have had a tangible impact on my life. Specifically, I was unable to secure a performance bond for a project due to the inaccurate information on my credit report. This has resulted in a loss of {$30000.00} and has jeopardized my professional reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I placed a freeze on my credit with all organizations ( Experian, XXXX and XXXX ) a while ago. I needed to unfreeze my credit to purchase a vehicle on XXXX. My passwords worked correctly on XXXX and XXXX, but not on Experian. I tried to change my password online many times, but they needed to complete verification by texting or calling a wrong or old phone number which I do not have access to. So I tried numerous times to contact them via telephone, on several different numbers, but could never speak with a " Specialist '', so I could not correct their misinformation. An organization with this much power should be more responsive to the people of this country, over which they hold so much sway. I was able to purchase the vehicle through an organization that wisely didn't use their service, however I still have been trying to correct this issue. I received a letter from XXXX  XXXX XXXX stating they were unable to approve my request based upon the frozen status of my report with Experian, and that I was entitled to a free report as a result. Trying to get the free report proved impossible on Experian 's worthless non human, non-answering, non-service phone response. This non-human, non-caring robot wanted {$7.00}. Please wake them up, if anyone works there.

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 2023-10-25 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: FL

Complaint narrative:
My information was distributed and sold by Equifax and due to this I have received fraud from identity theft on my credit report which I have disputed many times over that last 3 years. Every time the identity theft info comes back false as verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harvard Collections, LLC
State: IL

Complaint narrative:
Harvard collections posted a debt collection to my account I disputed the sever because it was discharged in my bankruptcy, they changed the account number a date on the debt. I submitted ocular proof and the debt still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
got hired by a company in XXXX that turned out to be fake thru likedin XX/XX/XXXX got a message from a hiring manger by a company nexwafe in XXXX talked with her for almost 3 hr on teams about the job she hired me and said that on Friday XX/XX/XXXX i would receive 2 checks to bring to my bank and it would be for the remote work material such as computers desk chair etc. 
received two checks from XXXX, check amount was XXXX $ total. 
XX/XX/XXXX funds were available for me to use. 
XX/XX/XXXX XXXX $ was sent to a person here in Texas to get me materials for work XX/XX/XXXX was instructed by the manger to do a wire transfer XXXX $ wire transfer was fine went thru XX/XX/XXXX after XXXX my time here i only only got an email from chase bank, no calls from them no alerts from them that the checks have bounced back and even my own money that i had in there was gone too called chase immediately. was on the phone with them for 4 hours, talked with 7 people, everyone was rude, mean to me, yelled at me and said all this is my fault. they told me to go into a local branch next day. 
XX/XX/XXXX went to a local branch, manger there could not help me at all and said that these things happen all the time to people

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
To Whom It May Concern, I am writing to dispute a fraudulent account reported on my credit report. This account is not recognized by me, and I believe my identity has been used without my consent or authorization.

Pursuant to 15 U.S. Code 1681c-2, you are required not to report any information on a consumers credit report that the consumer has notified you is a result of identity theft. As such, I demand the removal of this fraudulent account from my credit report within four ( 4 ) days of your receipt of this letter.

Furthermore, under 15 U.S. Code 1681s-2 subsection ( a ) ( 3 ), furnishers of information are obligated to notify consumer reporting agencies of disputes regarding the accuracy of information. I have previously contacted the furnisher, and they have confirmed that my personal information does not match their records, suggesting identity theft. They also indicated that they do not engage in providing dispute notices to credit reporting agencies. Therefore, your report violates subsection ( b ) of 15 U.S. Code 1681s-2, as a reasonable investigation of this matter has not been conducted.

I insist on receiving a comprehensive investigation report directly from the furnisher, complete with their letterhead, detailing their method of verification. This is to confirm that my claim of identity theft has been thoroughly examined and substantiated. 

I demand the immediate removal of this account from my credit file and that a new credit report be issued to me within 30 days of the removal to confirm the correction. Below is the item in dispute and my explanation : Disputed Item : FAIR COLLECTIONS AND OUT Explanation : This account was fraudulently opened in my name without my knowledge or consent. 

Failure to comply with these demands could result in legal action. Please take this matter with the seriousness it deserves. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXXXX XXXX XXXXXX/XX/2023 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 XXXX 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 explanation
Consumer complaint received 2023-10-25 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: GA

Complaint narrative:
I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.

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