vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-16 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: OH

Complaint narrative:
On XX/XX/XXXX, an extra payment in the amount of {$120.00} was withdrawn from my checking account. On XX/XX/XXXX, I was still currently in forbearance, which was supposed to end on XX/XX/XXXX, meaning payments would resume XX/XX/XXXX ; however, they charged me for XX/XX/XXXX. I called and got the situation figured out, and I confirmed that the call was recorded so I could have proof that a refund was being issued. I waited and waited, and called again ( I dont know the exact date ) to confirm it was being processed and I was reassured that it was, however it can take up to 30 business days. Then, 30 business days go by and I speak with someone else. She connects the call with her supervisor and they reassure me that the process has been expedited so it should be to me in about 5 days. This was about 2 and a half months ago. Ive called multiple times since then and I get the same answer each time. Now when I call, it says up to 90 business days, meaning since Ive called it has been 132 days waiting for the money that they wrongly took out of my account. When I try calling to sort out the issue, I press numbers on the auto call operating system and follow the prompts, and it doesnt not connect me with an agent. Half the time the operating system says the social security number doesnt have an account, which I check and confirm multiple times each time. Some times it works, some times it does not. 

Today, XX/XX/XXXX, marks 90 business days, and the money is still not back into my account. I feel like because they made a huge mistake of charging me when they shouldnt have, promised me the refund, and its still not in my account, I declare it as theft. Because they unexpectedly charged me, I also had an overdrawn bank account, so my bank charged me {$35.00} because I was not expecting anything to be taken out. Now its reached a point where if I call, I dont think Ill even get the overcharge refund back because its been so incredibly long. 

I am incredibly angry, and Im willing to go to deep lengths to make sure everyone is aware of how sneaky Mohela is, as Ive read about many other people having issues with them as well. Words can not express how livid I am that I still do not have the money back into my account, especially when Im a struggling lower class person with a newborn child. I want this sorted out absolutely as soon as possible, and Im done calling and asking ; I want my money now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: RoundPoint Mortgage Servicing LLC
State: TX

Complaint narrative:
My mortgage was sold shortly after purchase to ROUNDPOINT MORTGAGE COMPANY. My home insurance was prepaid for the 1st year. After one year, my home insurance did not renew, and I had no notification that my insurance was about to lapse. XXXX sent me an automated request to submit my current proof of insurance. After doing some research, I was surprised to find out the my insurance lapsed by about one and a half months. This was pretty alarming as I would never want my home, my most valuable asset, to be uninsured. After establishing new insurance and sending that information to the Mortgage company, they informed me that I would be paying a fee of about {$1000.00} for temporary insurance for when my coverage lapsed. I called and explained the situation that I had no idea my insurance lapsed or I would have promptly taken care of the issue. I also asked if there was anything I could do to remove the fee and was told no. I asked what benefit the temporary insurance gave me, as an example if something happed to the house during that time of being uninsured, and was told that there was no actual benefit and that it was just a fee. 

I also reached out to the bank to setup escrow for home insurance and I was told that they would take care of it and nothing happened. I eventually just managed my house insurance on my own and not escrow. 

My third issue was that I reached out to the bank to setup biweekly payments to reduce my interest on my mortgage and I was sent a form to fill out. After reading the fine print, the company does not actually apply your interest payment when you pay them, but only when your statement is due as one lump payment, defeating the purpose of paying my mortgage early with bi-weekly payments. 

I do not enjoy having ROUNDPOINT as my Mortgage lender, and I feel stuck as I can't change banks without refinancing my low interest rate to a higher one.

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 2024-10-16 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: WI

Complaint narrative:
Request for Removal of Collection Accounts Under 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing to dispute the following collection accounts that have been reported on my credit file : Collection Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX Account Number : XXXX XXXX  Account Name : SXXXX XXXX XXXX XXXXXXXX Account Number : XXXX As outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), I am exercising my right to request that all communication regarding these debts cease, as I believe these accounts were not properly handled under federal law. Given the lack of appropriate communication, I respectfully request that you remove these collection accounts from my credit report.

These collection accounts have negatively impacted my livelihood, credit score, and my ability to obtain credit. I would appreciate your prompt attention in correcting this matter and deleting these accounts from my file. 
Please conduct a thorough investigation and provide written confirmation of the results. If you need any additional information to verify my identity or the details of my claim, please contact me using the information provided above. 
Thank you for your prompt attention to this matter. 
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 non-monetary relief
Consumer complaint received 2024-10-16 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: WI

Complaint narrative:
Request for Removal of Collection Accounts Under 15 U.S. Code 1692c ( c ) To Whom It May Concern, I am writing to dispute the following collection accounts that have been reported on my credit file : Collection Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  Account Name : XXXX  Account Number : XXXX XXXX  Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c ( c ), I am exercising my right to request that all communication regarding these debts cease, as I believe these accounts were not properly handled under federal law. Given the lack of appropriate communication, I respectfully request that you remove these collection accounts from my credit report.

These collection accounts have negatively impacted my livelihood, credit score, and my ability to obtain credit. I would appreciate your prompt attention in correcting this matter and deleting these accounts from my file.

Please conduct a thorough investigation and provide written confirmation of the results. If you need any additional information to verify my identity or the details of my claim, please contact me using the information provided above.

Thank you for your prompt attention to this matter. 
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 2024-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I has a credit card with Capital one for {$3000.00}, I made several payments towards that balance and they took the money and never applied it to my balance and closed the acct and now it's reporting as charges off with a balance {$3500.00}. In which I never received a 1099c if they have already wrote it off as a tax write and they are reporting inaccurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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:
I am XXXX XXXX XXXX, Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a credit card account opened at XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TN

Complaint narrative:
XXXX, XXXX, Equifax are not investigating my disputes. There are so many inaccurate reportings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 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: TN

Complaint narrative:
XXXX, Experian, XXXX are not investigating my disputes. There are so many inaccurate reportings.

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 2024-10-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
First of all, I do not like to complain or stir up any problems but am scared what I have been threatened with from a loan company named check-n-go and do not know where to turn. I took this loan out last year and then fell into a hardship. I have since became XXXX, lost my home and had to separate with my husband. 

I received a voicemail from a gentleman named XXXX XXXX on XX/XX/XXXX in regards to that same loan. I tried calling back to speak with someone to see what could possibly be done because my uncle received a call as well not to long ago threatening legal action against me. 

When I called the phone number back, XXXX I spoke to a lady named XXXX XXXX. She stated to me that they are currently filing a case against me with three allegations. She states that I had committed fraud and would be in trouble or for writing bad checks. She stated that this would hurt me forever. She asked me if I wanted to say anything to explain myself. I was extremely nervous and frightened and did not know what to say but asked her how I could stop this from happening to me. She said I would need to come up with money immediately. 

I did not have any money but out of fear told her I may be able to come up with something tomorrow but would be very little to buy myself some time. She asked me if I was working and I explain that I am not but I am currently looking for work. She stated that if I put {$210.00} down it would put the case on hold, and then I would need to pay {$130.00} a week. Not knowing what to say to her, I told her I would have to call her back. She said that if I hang up the phone, the case proceeds and that I may not have the chance to fix it. I asked her if she could give me until Friday and she said that she couldnt make any promises. Obviously there is was nothing I could do at the moment and I have been extremely scared. 

Since this phone call, my child and I have moved in with my parents and have been scared to leave the house due to fear of having any legal issues. I spoke with my father because he did not understand why I have been so scared and I explained to him the situation I am facing. He stated to contact the CFPB because I should not be threatened by this company and hopefully this would stop them from doing this to someone else. 

I am well aware of my obligations and as soon as I get back working, I will try to pay what I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: MA

Complaint narrative:
I have attempted to dispute with XXXX, XXXX, and XXXX with both XXXX and XXXX disputes being declined. I have re-opened the disputes, as my XXXX balance was paid in full and nobody ever attempted to collect. I had never received any email, mail letter, phone call, or any information regarding this collections account until I noticed it was reported by XXXX XXXX. XXXX has been paid in full, on time each month and evidence has been provided to the credit bureaus to reflect this. Regardless, this incorrect balance remains on my credit and nobody has ever attempted to collect on this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 
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 non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of XXXX XXXX data field reporting, I have the right to dispute any information on my credit report that I believe is not correct.I can not recognize or accept the allegation of delinquency without factual proof. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. 
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 2024-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a call from an individual saying that he was from Wells Fargo and that he had noticed fraudulent activity on my account. He was able to read several transactions I made and then he told me to make a XXXX transaction to an individual that I did not know. I immediately called Wells from another phone and they identified that this individual was not an employee. Wells quickly closed my checking and savings account as well as cancelled my debit card. The individual made four fraudulent transactions and reports were filed. Wells quickly identified these as fraud and restored three of the four. The fourth and largest transaction was for XXXX cash and Wells tried to recover the amount from XXXX and when XXXX declined, Wells said that the transaction was valid ( which it wasnt ). I have filed complaints and escalated it to just about every department I can at Wells only to received a very canned response from them. Not only did the hacker steal from me but I now feel like Wells is doing the same thing. The fraud was committed because the hacker gained access to my account ONLINE and because Wells cant get the money from XXXX, they are taking it from me ( so in essence, I have been victimized twice ). No one seems to care that my entire savings is gone and what I find unbelievable is that fraud was clearly identified and I was not at fault but I am being penalized. It is not my fault that XXXX is a third party, it is not my fault that the hacker was able to get {$4200.00} from my account to use for XXXX cash but that doesnt seem to matter to Wells Fargo XXXX I filed a police report, I have documentation of the fraud but again, that doesnt seem to matter to Wells Fargo !

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