vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: CA

Complaint narrative:
Mohela is my loan servicer, and I applied to switch from the PAYE plan to the SAVE plan using the federal student aid website. I was notified that application was approved and that my plan would be switched over starting XX/XX/XXXX  but it never was. According to the website the request was cancelled. I called MOHELA and they put in another request for a change and stated it was approved, and said it would be switched by early XX/XX/, but it never was switched over. I then called MOHELA again probably for the 4th time and they stated I would be switched to the SAVE plan by late XX/XX/. Again, I never was switched over. I now have submitted my 4th application to switch from the PAYE to the SAVE plan, and am frustrated at how this situation is being handled. While this has all been delayed, I have racked up thousands of dollars of interest on my student loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: IL

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2024-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

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 2024-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: OH

Complaint narrative:
Date : XX/XX/XXXX Amount : {$12000.00} I called TransUnion because I saw discrepancies on my credit report with Department of EducationXXXX there are a total of 11 accounts that I have with Department of Education/XXXX and all 11 accounts have discrepancies. 

These are the violations : 15 USC 6802 to 6805 Privacy Act of 1974 Family and Educational Privacy Act of 1974 15 USC 1681 ( b ) 16 CFR 313 16 CFR 313.7 ( f ) 15 USC 1692 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, unwritten, verbal and non-verbal per 15 USC 6802.

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 2024-01-12 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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CHARLES SCHWAB CORPORATION, THE
State: PA

Complaint narrative:
I received an advertisement for a no-fee, high-yield checking account and opened one. About 10 days later, I got a letter stating my credit score didn't meet their requirements. Not only was my application denied, but they also restricted and closed my brokerage account without explanation. They didn't clarify why a credit score is necessary for a checking account or stock trading. Credit scores are typically for lending, and I wasn't seeking a loan. It's perplexing that " excellent credit '' is now seemingly a prerequisite for investing. This requirement wasn't disclosed on their website or in any documents. It feels like a bait-and-switch scam to gather my personal information through their app. I'm disappointed with Charles Schwab 's approach, as it seems quite deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, someone with my personal information including XXXX called in TransUnion 's customer service and requested verbally that the freeze to be lifted. When I discovered that the freeze was lifted, I called and requested for an extra steps of verification. The agent named XXXX ( # XXXX ) was able to add a verbal password to my file. She explained that anyone over the phone requesting a credit freeze lift would need to provide the password over the phone. On XX/XX/XXXX, I discovered that my credit freeze is lifted again. I spoke with an agent named XXXX ( # XXXX ), she confirmed that the verbal password was written in the wrong place in their system. Both of these agents revealed the password over the phone, and I complained that they shouldn't be revealing my password to anyone over the phone. I spoke with their supervisor named XXXX ( # XXXX ) that in fact there hasn't been any verbal password placed on file. The previous XXXX agents have not placed any verbal password in their system.

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 2024-01-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: NJ

Complaint narrative:
I am a 100 % XXXX XXXX XXXX XXXX that was trying to get funding to help start up my XXXX XXXX XXXX XXXX XXXX  unable to get funding no where on XX/XX/2023 I went online looking for a business that could help me fund my startup small business. What I found was a link to loan help to XXXX Supposedly XXXX XXXX XXXX that also gave no credit check ( I should've known predatory then ). I filled out form. I was called and was told that I qualified for only a {$1300.00} but I had to sign the loan agreement they were fast talking and in a rush for me to sign a link sent to me for the loan. I figured I could pay it back in no time. I told the loan officer that I only get paid once a month and that that's when payments had to come out, I found out after I got the long contract later that day about a whole bunch of fees and 400 % interest rate this all was significantly left out of our phone loan acceptance I also realized then that they were not affiliated with XXXX. The next time I spoke with the lady I asked her about the tremendous interest rate and how was i supposed to pay the loan off. She said " well if you could pay one half now then pay the other half next payday you wont have to worry about the fees. I figured since I was slick talked into the loan I would pay it off when I get my small business off the ground. Please see attachment of how much the loan is now. When I agreed over phone they sent contract later. I'm sick to my stomach I've been had.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
I started XXXX VA Loan assumption in XXXX for a property that was under a VA loan in Maryland. The lender, MrCooper ( Nation Morning Star LLC dba ), began the process in early XX/XX/XXXX after both the seller and buyer completed all required VA loan assumption documents per the Department of Veterans Affairs. MrCooper advertised on calls and email that the process could take " XXXX months ''. Over the next 6 months, MrCooper frequently did not communicate with either the seller, buyer, real-estate agents or title company. Average time to respond to the buyer was 14 days. A detailed breakdown of phone call and email communications between MrCooper and the buyer is available. 

At 6 months, both the seller and buyer contacted the escalations department of MrCooper for an update. Within XXXX hours we were contacted that the application was complete and set a closing date of XX/XX/XXXX. Seller signed and notarized documents from a separate state, buyer closed in Maryland. On XX/XX/XXXX the buyer logged in the MrCooper portal and noticed no change to account, the property that was closed on XX/XX/XXXX did not show up. Phone calls to MrCooer showed that the seller was still the owner of the account. A call to the escalations department on XX/XX/XXXX revealed that the closing never occured according to MrCooper, despite funds being transfered, deed signed, and a MrCooper VP signing the VA XXXX XXXX XXXX XXXX of XX/XX/XXXX. As of XX/XX/XXXX, MrCooper still will only state " they are looking into it '' with no further detail. Additionally, they will only call and contract the seller, as the buyer isn't shown as authorized on the account. 

Repeated attempts at resolution or information have been made by the seller, the buyer and the title company for resolution, with limited to no useful response by MrCooper. The buyer as initiated contact with a law firm to investigate potential claims to be made against MrCooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: TX

Complaint narrative:
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. I am writing to dispute the account referenced above. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is this possible? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I enclose copies of the account with the original creditor which show 2 completely different balances. Furthermore, the original creditor stated that the account was sold to the XXXX XXXX. This debt you are claiming on my credit report is not mine and I was given no evidence of my obligation to pay this debt to this collection agency named XXXX XXXX. The FCRA requires you to verify the validity of the item within 30 days in which you failed. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report, I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under then FCRA. I look forward to an uneventful resolution of this matter.

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 2024-01-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I've got the Vanilla visa gift card of {$500.00}. It was bought and activated at store 's register on XX/XX/XXXX. Recently, I've tried to use the card, but didn't work. I realized it's already drained whole amount on XX/XX/XXXX at XXXX. I want refund but they said contact XXXX and hung up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: KS

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 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 2024-01-12 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: KS

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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am not aware of this debt, as I would like documentation of agreement from the creditor. I would like to have this issue resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Today, XX/XX/XXXX of 2024, I received a document from XXXX XXXX, executive office case specialist, enterprise complaints management office of Wells Fargo. The document suggests two addresses, Return Mail Operations XXXX XXXX XXXX, XXXX XXXX, IA XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX IA XXXX XXXX I am not sure why the person in charge provided the return address to this document, which does not have so much serious contents for me. I once thought I might write a letter to one of address ; however, the office address on the envelop said Origin ID : XXXX, Wells Fargo Executive Office, Wells Fargo-Corporate, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX United States US. So I have decided not to write a letter because of this discrepancy of address. I have checked the telephone number written on the document, XXXX and found out the web search suggests that this number is connected to social security scam and some legal issues recommended to submit a complaint. I recognize another number XXXX, which I treated as unwanted or scam call. I have attached all documents.

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 2024-01-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: AR

Complaint narrative:
Navient and XXXX teamed up to defraud me as many other students with high interest private loans. As of today, XX/XX/2024 I owe XXXX in fraudulent student loans thanks to XXXX and Navient. I've tried using their income driven repayment plans, but Navient refuses to lower my payments to an acceptable amount. They are fully aware of said fraud and continue to harass me.

Company response to consumer: Closed with explanation