vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 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 has failed to communicate important and accurate information in a timely manner. Mohela student loans were put into forbearance due to the covid pandemic from XX/XX/XXXX- XX/XX/XXXX. I received communication stating that loans would go back into repayment starting XX/XX/XXXX. Therefore, I made a payment of {$21000.00} that went through on XX/XX/XXXX. In XXXX and XXXX I continued to get notifications and billing statements that stated that monthly student loan payments were due. I made multiple attempts to pay those bills. However, each time I would make a payment I would be notified that my financial institution returned my payment due to No account/ unable to locate. I continued to get notifications that my account was past due. On XX/XX/XXXX I received an email that stated Your account has been placed into an administrative forbearance ( meaning no payment is required ) for payments due between XX/XX/XXXX, through XX/XX/XXXX. You are not required to make a payment until XX/XX/XXXX This was the first time I was notified that my account was in forbearance. Which means I was notified after the forbearance period was over. 

Had I known that my account was in forbearance I would not have made the {$21000.00} payment. I also would have not attempted to make any further payments during that time. In addition, Mohela also shows inaccurate information when I try to view my PSLF qualifying payments online. I wouldnt have made the {$21000.00} payment if I knew that the number of PSLF eligible payments was inaccurate on my account when I view it online. 

Repayment has again restarted in XX/XX/XXXX. I attempted to make a payment on XX/XX/XXXX. The payment was again returned to me and I received the same message that my payment was returned for the same reason of No account/ unable to locate. I continue to receive notifications that my account is overdue despite multiple efforts to pay it. I spoke to an agent on the phone on XX/XX/XXXX and was told that a supervisor would call me back. I spoke to a supervisor on XX/XX/XXXX and she could not determine what the issue was. I was told they would investigate it further and call back within 7-10 business days. Meanwhile, my account is still accruing interest and Im unable to make any payments. I would like all payments made from XX/XX/XXXX - XX/XX/XXXX to be returned to me. I was given misleading and false information. These issues can never be resolved due to long call wait times, and processing errors and delays.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
They keep calling to resolve a debt. They call daily on my cell phone and then my house number or vice versa. I was going to pay the debt monthly by payments but I feel harassed and I don't have the extra money at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
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 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 2024-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Continental Finance Company, LLC
State: UT

Complaint narrative:
I really dont know what this is. It was continental finance company a MasterCard from the XXXX  XXXX XXXX. XXXX XXXX management company is the person calling at XXXX XXXX XXXX is the partner at XXXX. I dont know what the account number is I do have my name, social and date of birth. I believe this is an old collection, or it was part of my bankruptcy. The lady says theyre filing a civil lawsuit against me and they keep repeatedly calling, they call me they call my husband they call my kids who are XXXX and XXXX. I dont know what this is and if theyre going to civilly sue me they should submit some information to me if its a debt over 10 years old I dont know why theyre still reaching out, or if it was part of the bankruptcy

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 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
A large sum of money was deposited into my checking account by me multiple times. I had seen the numbers change very often on the banks website and seemingly money was disappearing from my account. The statements information became false and were changed electronically before I could print them out. When I tried to follow up again the transactions would be switched around and then I became confused as to what was happening. I began to save all of my receipts since the transactions are not aligning with my spending habits and money seems to disappear quickly. I do not yet have an attorney or accountant on my behalf.

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 2024-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
My mortgage is current. I was behind XXXX  months due to medical + prescription costs and just got caught up. 

Shellpoint Mortgage Finances says I owe {$880.00} in Fees.

Shellpoint Mortgage Finance said they are unwilling to waive any of the fees. 

{$880.00} in fees is exuberant. Especially someone who had medical issues & subsequent problems paying their mortgage. T

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NY

Complaint narrative:
I reviewed my consumer reports and noticed that i had one late payment on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included screenshot inside this complaint in on dates of XX/XX/2024.Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :

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 2024-01-31 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:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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




XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/202XX/XX/XXXXXXXX XX/XX/2022 XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.

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 2024-01-31 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

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




XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX Unauthorized Inquiries : XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

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.

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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
A credit card from Chime arrived via postal mail. The account was set up without my knowledge. 

Other info : *The name on the card was an odd spelling of my name.

*I called Chime and had the credit card account cancelled.

*The envelope with the credit card came to my mailbox, which is locked, so there was no ( easy ) way for someone to steal the credit card from my mailbox.

*While this incident didn't cost me loss of money ( yet ), it has already caused my household lots of undue stress. I personally spent XXXX hours checking how to protect myself and my household from further identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I sent the follow letter XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : 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 and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX CB Indigo XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 seven 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Velocity Portfolio Group
State: NC

Complaint narrative:
ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE 8th TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED. 
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1. 
I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX  THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME.

I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.

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 2024-01-31 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:
My phone and my wallet was stolen and some one used my info to withdraw {$600.00} from my account that I did not authorized. Once I noticed this I immediately contacted Wells Fargo to file the claim. I called them to get an update on the claim and they told me that they denied but would not tell me why. I have filled a police report and I told them that I will give that police to further support my claim but they told me no that it would not make a difference. At this point I feel Im being discriminated against because Im a XXXXXXXX XXXX because they are questioning my integrity and being very insensitive when I told them that my things were stolen.

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 2024-01-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Greeting Team, LLC DBA Customer Care Global
State: AE

Complaint narrative:
In XX/XX/XXXX I requested XXXX to place my loan in a SCRA status due to me being called to Active Duty in the Army Reserves. XXXX failed to do so, so I filed a complaint via a regulator. 30 days later I received a XXXX ansld letter that loan payment was no longer needed and dismissed. Now forward to XX/XX/XXXX I received email stating that the account is with a collection company. I contact the collection company and they was not able to provide any information as the account was new. 

XXXX inconjunction with this collection company committed unfair practices by attempting to collect a previously forgiven date. XXXX lied to regulators that the loan was forgiven in XXXX, and is now trying to collect the loan. Therefore XXXX has decieved not only me but also the federal government and this debt collection company is colluding with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain accounts that have been listed on my credit report, and I am concerned about the discrepancies and potential fraudulent activity associated with them. Upon reviewing my credit report, I identified the following accounts that raised significant questions due to inconsistencies in reported information : 1. XXXX - ( Account # : XXXX ) 2. XXXX ( Account # : XXXX ) 3. XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX I am troubled by the incongruities in the details, such as outstanding balances, dates, amounts, and credits, as reported by different credit bureaus. Additionally, I have not initiated any recent credit applications or authorized anyone else to apply for credit on my behalf. Therefore, the inclusion of these accounts on my credit report raises concerns about potential fraudulent activity. 

I kindly request a thorough investigation into these accounts, and I would appreciate your assistance in providing the following information : Verification of the accuracy of each account listed above. 
Clarification on the source of information and the verification process employed. 
Confirmation from the assigned creditors regarding the ownership of these accounts. 

Given the seriousness of this matter, I urge to expedite the investigation and, if necessary, promptly remove these potentially fraudulent accounts 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 explanation
Consumer complaint received 2024-01-31 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately I had one late payments on an account that I always paid on time. Upon conversation with customer service. They could not provide me with any substantial reason for that report. This customer agency needs to report with complete accuracy. I am requesting you investigate and provide variable proof with records showing that I had a late payment If this information can not be provided I demand this these late payments updated to be paid on time immediately. 

Thank you for your understanding and prompt action. 

Attached is a copy of my report ( XX/XX/year> )

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 2024-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
My name is XXXX XXXX in XXXX of XXXX I went to XXXXXXXX XXXX in XXXX XXXXXXXX and was trying to get a car loan for a XXXX XXXX XXXX XXXX. I was in that dealership for several hours. A down payment of XXXX for the car. I was the last customer in the dealership I was very tired and exhausted til finally approved me with credit acceptance. This car cost around {$55000.00} dollars and I can't pay it anymore this bank is savage and stealing money from me. Everything is falling apart in my life due to this bank and struggling everyday of my life to get out of this situation and I be feeling so depressed everyday. I dont now what else to do. I cant keep up paying close to XXXX a month for this car that is not worth it. XXXX is insane. I am looking for help I am very desperate and find a solution please help Me.

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