vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
Navient was my loan servicer prior to XXXX. They took advantage of me and didnt help with lowering my payments and always steered me into forebearance when I called and had a hardship. They made it so I cant financially afford to pay my loans because of compounding of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: ME

Complaint narrative:
I made XXXX payments to Mohela on my student loans in error on XX/XX/year>. I did this by cancelling my auto-pay ( since my loans were going into forebearance due to the pending litigation regarding the XXXX program ), and then making a manual payment to ensure my payment was not late. Apparently my auto-payment was initiated before I cancelled, so I paid twice. I was informed on XX/XX/year> by customer service that a refund was issued and I would receive it within 7-10 business days. I called again in XXXX as I had still not received the refund and was informed by customer service that the refund had been initiated in their system, but they were being informed that refunds were taking 23 business days to be processed. It has been 60 calendar days since this correspondence and I have yet to receive my refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CIG FINANCIAL LLC
State: NV

Complaint narrative:
My down payment was only for the car not the loan! 
XXXX in financing did my paper work and it was not smooth XXXX call me multiple times for the down payment. XXXX who sold the car and the XXXX in financing told me two different price two different options with i was both time confused. My sown payment should not gone to loan. And also XXXX car salesman purchased car insurance without my consent. 
Please review the Autonation XXXX on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2024-09-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
In my letter to Resurgent, I addressed significant inaccuracies reported on my credit file related to an account they are handling. These inaccuracies include inconsistent balance amounts, incorrect payment statuses, and conflicting dates of last activity, which have negatively impacted my credit score.

I formally requested a complete debt validation, including the original signed agreement, itemized payment history, and proof of ownership or transfer of the debt. Despite my efforts, Resurgent has failed to provide the necessary validation or correct the reporting errors, resulting in continued harm to my creditworthiness. 

I am seeking the immediate deletion of the inaccurate information from my credit reports and written confirmation that the issue has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MS

Complaint narrative:
I have requested for them to remove this from my credit report and they are refusing to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: MO

Complaint narrative:
MOHELA continues to Bill for a PRIOR PSFL that has ( by their records ) surpassed the 120 PSFL / IDR qualified payments ( 147 total payments ) that are under account number ************ and place the same account under a fraudulent SAVE ************ I AM REQUESTING immediate forbearance, discharge of Account number ******************AND REFUND OF THE OVERPAYMENT IN THE AMOUNT OF 27 MONTHS. 


MOHELA continues to disregard PSLF for My name account number ( see attached ) and has created a new account for repayment with 125 months, 120 at XXXX per month ( under a different account number ) for the same loan of which there have been over 147 QUALIFYING PSLF MADE SINCE 2011. This action goes beyond negligence, bordering Fraud. Civil action is requested. 

MOHELA has been sent 5 certified requests, 7 fax request and 7 phone calls with no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
There was a refund is listed to me account for over 2 weeks abd I have bern calling and calling and chatting to no avail. They've bern escalating it every time I call. I have yet ro receive my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/year> I submitted payment of {$460.00} towards the credit card balance. On XX/XX/year> the money was withdrawn from my checking account so money was received by target credit card issuer. On XX/XX/year> I was at the store and made a purchase of {$130.00} and the card was declined. I used another card at the store does not able to receive the 5 % off that the target card benefit has. I called the target card services and talked with a XXXX who advised me I have no available credit. Now my card limit is {$500.00} which is another story but just for reference. I advised XXXX I made a payment on XX/XX/year> and advised her the money was withdrawn on XX/XX/year>. She told me it can take time for payments to be credited to the account and credit opened back up. It has been 9 business days for this payment to be credited to my account. She put me on hold for 5 minutes and came back and told me to be happy she was able to get the payment credited to my account and I now have an available balance to spend. I asked her about the 5 % discount I had to not receive because I had to use a different card and she said there was nothing she could do and transferred me to client relations. Now XXXX at client relations was able to resolve the issue and gave me a rounded up XXXX $ gift card as credit to use at the store but I am not happy and feel the practices of target applying payments is deceptive and illegal. We also had a transaction last week that was declined that I didnt call on but I should have. The funny thing though is that yesterday I went to the same target store to buy a jalapeo and I was able to use my target credit card to charge {$0.00} for the jalapeo and I saved the 5 % and got {$0.00} off my purchase yet on my larger purchase I was declined. I feel like something is not right and I should not have to call to have my credit balance be updated when they receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CORELOGIC INC
State: MD

Complaint narrative:
I have unauthorized inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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 writing to dispute the accuracy of the information reported on my credit report by Equifax regarding an account withXXXX XXXX XXXX. The account in question was reported as opened in XX/XX/year>. However, this account does not belong to me, nor have I ever had any association with this creditor/company. I believe that the reporting of this account is in violation of the Fair Credit Reporting Act ( FCRA ) and request its immediate removal from my credit report. Additionally, I have filed and attached a police report with the XXXX XXXX Sheriff 's Department regarding this matter.

Under the FCRA 's provisions, specifically 15 U.S. Code 1681e ( Compliance procedures ), I am entitled to receive accurate and verifiable information in my credit report. The current reporting of this account clearly violates my rights as a consumer. Simply updating the inaccurate information that I am disputing is a clear violation of FCRA requirements and serves as proof that your company was not reporting correct information initially. I demand that Equifax conducts a thorough investigation into the accuracy of this entry. I hereby request that you provide me with documented proof of your investigation method and verification of the reported information within 30 days of receipt of this letter.

Failure to comply with the FCRA 's requirements and to provide the requested information within the given timeframe will leave me with no choice but to take appropriate legal action to protect my rights as a consumer.

In conclusion, I kindly request that Equifax removes the fraudulent account from XXXX XXXX XXXX from my credit report and corrects any inaccuracies in the reporting of this account. I expect prompt action from Equifax to resolve this matter in a fair and expedient manner.

Please acknowledge receipt of this dispute letter, and I look forward to receiving your written response regarding the outcome of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: MN

Complaint narrative:
TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE. 


I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT. 





THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX  XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: MN

Complaint narrative:
TO WHOM IT MAY CONCERN : IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, THIS CREDITOR HAS VIOLATED MY RIGHTS. 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604 UNDER A SECTION 2, IT ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. UNDER15 USC 1666B,. A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN FOR ANY PURPOSE.

I HAVE NOT SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, ENGELHARDT V. GRAVENS ( MO ) 281 SW 715.719. I PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT THEREFORE EXISTS. 

I AM WRITING TO DISPUTE THE FOLLOWING INQUIRIES, COLLECTIONS AND DEROGATORY MARKS ( STATED BELOW ) ON MY ACCOUNT. I DID NOT APPLY FOR ANY FORM OF CREDIT ( S ) AND/OR ACCOUNTS PERTAINING TO ANY OF THE FOLLOWING COMPANIES STATED BELOW. PLEASE REMOVE SAID ACCOUNTS IMMEDIATELY UPON RECEIVING THIS LEGAL DOCUMENT.

THE FOLLOWING ACCOUNT ( S ) ARE DOCUMENTED FOR IMMEDIATE REMOVAL : XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX & XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX PER THE FCRA, AS A FEDERALLY PROTECTED CONSUMER, I AM NOW OPTING OUT OF ANY AND ALL AUTHORIZATION I THE CONSUMER MAY HAVE GIVEN, YOU WRITTEN OR UNWRITTEN VERBAL AND NONVERBAL PER 15 USC 6802 -6805. 

DISREGARDING THE FOLLOWING INSTRUCTIONS IS A VIOLATION OF FEDERAL LAW AND WILL RESULT IN SUBSEQUENT COMPLAINTS FILED AND PROBABLE SECURITIES FRAUD PERSECUTION VIA THE FDIC.

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 2024-09-15 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my 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 2024-09-15 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 a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-15 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: NCB Management Services Inc.
State: SC

Complaint narrative:
Information was linked to the dark web on XX/XX/year>. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: Regional Management Corporation
State: SC

Complaint narrative:
Information was linked to the dark web on XX/XX/2024. XXXX sent the alert by email and this action resulted in all of my credit report being breech causing me to be a victim of identity theft. So therefore I need all item removed off my credit report. Finally this was address to all three credit bureau with letters sent about several inquires and other items, Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-15 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: IL

Complaint narrative:
Consumer Name : ( 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 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 1. XXXX XXXX XXXX {$650.00} 2. XXXX XXXX XXXX {$1000.00} 3. XXXX XXXX XXXX {$670.00} 4. XXXX XXXX XXXX {$890.00} 5. XXXX XXXX XXXX XXXX {$160.00} 6. XXXX XXXX {$300.00} 7. XXXXXXXX XXXX XXXX XXXX$2100.00} 8. XXXX XXXX XXXX XXXX$2300.00} 9. XXXX XXXX XXXX {$350.00} 10. XXXX XXXX XXXX {$970.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX 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 explanation
Consumer complaint received 2024-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Had a short sale approved, but my cousin told me apply for modification, we need a place to stay, faxed in all paperwork XXXX my cousin XXXX is helping, talked to someone 3 days prior to XXXX and faxed it all in, he called XXXX and said modification not received, rep in XXXX said was on hold? SEE PROOF then received letter were asking for investor of property we never asked! only people authorized are XXXX XXXX my cousin and myself to talk!!!!!!!!!!!!!!!!!!!! Shellpoint getting confused and why is modification not under review. There are recovery modifications, internal, multiple modification programs.

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