vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: RI

Complaint narrative:
On XX/XX/XXXX I received a message from Mohela that my loans were placed into forbearance due to the challenge to the SAVE program. The email on XXXX stated that my loans would NOT be accruing interest during this forbearance. On XX/XX/XXXX, I received a second email saying that my loans are accruing interest during forbearance. The email on XXXX states that I have accrued {$120.00} of unpaid interest despite an interest rate of 0.0 %. 

This is conflicting information, and as I am in the same forbearance period as noted on XXXX, there should be no interest accruing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: MS

Complaint narrative:
I, XXXX XXXX, have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information I will review and respond within the XXXX period allotted to me under federal law. 
If it is found that there is no evidence of this debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local or federal agency. 
Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to XXXX and XXXX penalties. 
I appreciate your efforts in this matter and look forward to your response. 

I, XXXX XXXX, am aware of my rights as a consumer under the Fair Debt Collection Practices Act, specifically XXXX ( c ), and demand that you cease and desist any contact with me in reference to this collection. This addendum in no way admits or considers myself responsible for this debt. In addition, this addendum also requests for you to cease and desist the use, or potential use, of any third ( XXXX ) party to contact me in reference to this collection. 
IF THERE IS ANY VIOLATION OF THIS CEASE AND DESIST A COMPLAINT SHALL BE MADE TO THE FEDERAL TRADE COMMISSION. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding Nelnet, which has failed to acknowledge the documentation I submitted to prove my status as 100 % XXXX  XXXX. Despite submitting this documentation XXXXhree timesvia email on XX/XX/year>, XX/XX/XXXX and XX/XX/year>, to the designated email address ( XXXX ) I received letters dated XX/XX/year>, and XX/XX/year>, stating that I have " not provided sufficient proof that show I am 100 % service connected for loan forgiveness. '' On XX/XX/year>, I spoke to a representative at Nelnet who advised me to submit my " VA Benefits Summary Letter '' as proof and that the documentation I sent on XXXX XXXX was not the " type '' they needed. I informed her that the rejection letter never specified the " type '' of documentation, it says to " show proof '' from the VA. 

I followed the representative 's instructions and submitted this exact document via email on the same day and again on XX/XX/year>. A letter was generated on the XXXX, not even a day later and I received the letter in my mailbox on XXXX of XXXX with the rejection status. No email follow-up. 

This repeated failure to process my documentation has caused undue frustration and concern, as my 100 % XXXX XXXX status entitles me to specific benefits that are currently being denied. NELNET is " rejecting '' my application every time I submit my documentation. 

This company is practicing in unfair treatment by withholding specific information and not communicating with the consumer in a timely manner. Additionally, they are practicing willful neglect in not reviewing my application completely. This has been over XXXX  days of back and forth with this company, which is a systematic way of stripping a XXXX XXXX of entitlements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: IN

Complaint narrative:
During many of the unsolicited phone calls, I asked them to please verify that the information reported is 100 % accurate and that you can fully verify the information. Otherwise please remove from report. Nothing was provided

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I was reviewing my credit report from Equifax as of XX/XX/XXXX and noticed that the account identified as XXXX XXXX {$910.00} is a charge-off account that is reporting as open. this a reporting violation under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX  Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed account to be blocked and deleted company information from TransUnion Please delete the following accounts XXXX  XXXX XXXX, acct number XXXX  XX/XX/XXXX XXXX XXXX, acct number XXXX, XX/XX/XXXX XXXX XXXX XXXX, acct number XXXX, 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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
I have to accounts listed on my credit from a credit collection agency. I have no idea what they are. I have contacted them on multiple attempts to have them verify the debt, the orginal debt ( I have no idea ) and overall information of proof that this is my debt.. I have requested for over 6 months with no response. Need verification or needs to be removed from my credit. 

MIDLAND CREDIT MANAGEMENT INC One account is for XXXX and XXXX. No account numbers listed or orginal debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: MOHELA
State: OR

Complaint narrative:
My identity was stolen and used to create student loans. I have contacted the school and loan company and Ive been fighting this for over a year now. I just submitted a new report with XXXX but my first report for the fraud was deemed as accurate. The loan companies, FAFSA and MOHELA approved these loans without proper verification of identity and sent the money to an address that does not belong to me and accepted false information to approve these loans. The credit bureaus have not helped me dispute these loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: CA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I called Bank of America customer service to close my account due to fraudulent activity. I provided them with my personal information including my social security number and they refused saying I had to go to a bank of America branch which about XXXX miles from my home in Alabama. I made four attempts to resolve the issue but got nowhere. In my XXXX years I never dealt with such foolishness. I shredded the card and I can't remember my password. It's a simple request and they are pushing me the brink of insanity.

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 2024-12-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I was sending a payment through Zelle to a locksmith XXXX years ago. I put in XXXX digit that was wrong and it went to someone else. Ive sent them messages with no response and XXXX XXXX XXXX can not help you. They just say sorry try to collect it. XXXX XXXX was the name phone number XXXX. Ive tried many times no response. Im out about {$160.00}. I was trying to help a customer that lost her keys to her apartment and instead of it costing me {$320.00} it cost {$490.00} can you help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: VW Credit
State: MO

Complaint narrative:
On XX/XX/2023 Volkswagen XXXX XXXX reached out to ask if I would cosign a lease with my sister, I agreed to cosign, however after running my credit they told me I couldn't cosign. InXX/XX/2023 my sister hit a deer and XXXX covered the damages but dropped her as inured because her name wasn't on the lease, it was at this point I realized that Volkswagen XXXX XXXX put the loan in my name only, without my knowledge or consent. Beginning in XX/XX/2023 my sister and i began trying to work with Volkswagen XXXX XXXX to correct their error because i had never agreed to the lease and also because the error they committed led to the car being uninsurable since i never had possession of it and my sister didn't live with me. From XXXX to XXXX we kept trying to work with the dealership to correct the issue but they either couldn't or wouldn't, and we eventually had to turn the car in because no one would insure it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
Advanced Resolution Services , Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX Attention : Compliance Dept My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/XXXX. 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and XXXX regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
My name is XXXX XXXX, and I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 
My SSN # XXXX. Date of Birth is XX/XX/scrub>XX/XX/XXXX 
My phone number is XXXX and email address is XXXX I am providing you with a copy of my driver license and a recent utility bill for your immediate review. 
The reason why you are receiving this correspondence is because I do not want your organization to release, disclosed Debt Information to any credit Bureaus or reporting agencies. I do not consent or give permission for your organization to release any information in regards to my credit profile. 
I want to opt-out of my information being shared and I personally request that a security freeze be placed on my credit profile within 30 days of receipt of this correspondence. 
I have notified XXXX, XXXX and Equifax regarding a security freeze on my profile. I strongly request that your company take immediate action towards my initial request to Opt-Out and place a Security Freeze. 
I declare, under penalty of law, that to the best of my knowledge, the information supplied above, and all accompanying information is true and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information wad exposed in several data breaches as well. I have no recollection of applying for any of these accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent further harm to my financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AR

Complaint narrative:
I NOTICED A FRAUD ACCOUNT LISTED ON MY CREDIT REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
Lexington law was paid for services and nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: WA

Complaint narrative:
I am currently in an administrative forbearance on XXXX XXXX which is not eligible for XXXX. On XX/XX/year> I applied to switch repayment plans to XXXX which has recently opened for all borrowers including those in XXXX XXXX. This plan is eligible for pslf. According to XXXX XXXX Mohela is required to place me in a pslf qualifying processing forbearance while they process my application : If servicers need time to process a borrowers XXXX application, servicers will move the borrower into a processing forbearance for up to XXXX  days. Interest accrues during this short-term processing forbearance, and time in the processing forbearance is eligible for XXXX  and XXXX XXXX 
From XXXX XXXX XXXX  On XX/XX/year> I spoke with a Mohela representative who told me that they are not able to place me in a processing forbearance because I am on the save plan. This is not accurate and is XXXX  me by delaying my progress toward public XXXX XXXX XXXX I should placed in processing forbearance immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: John C. Heath, Attorney at Law, PLLC
State: DE

Complaint narrative:
This stole money from me over a period of 10 years. The lied about helping and they could not provide the progress but took money out of my acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: NV

Complaint narrative:
The company stated they sent a mailed letter that if the credit card wasnt used by XX/XX/year> time frame the account would be closed, however I asked for email or text correspondence as our mail in this rural area gets lost or stolen quite often. I never received this letter so I never knew I had a certain date I had to use this account, so the account was closed and my credit went down and I lost one of my longest accounts on my credit, and now if I try and re apply itll make my credit go down even further, in XXXX they really could only send it through snail mail and ONLY give one warning? No email? No text? This was a paid off card I was trying to lower my debt, and had asked multiple times from the company if they would give me a transfer debt to card deal so I could use it again, they said no, so they werent letting me use it even though I have a great line of credit and great repayment history through them. I was a loyal customer and never missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , delete, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize the accounts, collections, or hard inquiries reported above. The accounts discussed above, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All accounts mentioned above, collections, and hard inquiries result from identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries result from identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any re-investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer

Company response to consumer: Closed with non-monetary relief