vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 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: WI

Complaint narrative:
On XX/XX/XXXX, my Student Aid portal was updated. I went to check and stated there is an active loan with MOHELA for {$47000.00}. I went to check MOHELA, as I knew this was not right. This loan was discharged per the PSLF guidelines on XX/XX/XXXX. See letters attached from MOHELA. Sure enough, the loan that was discharged and forgiven is now " open ' on this account. I called and talked to two people. They confirmed this was discharged and can see the letters. After 1:30 hr hold time, I was then met with an advocate who stated that a 'review ' would have to be done to make sure this is the 'right ' loan. Okay, this is the only loan of two that magically was placed back to open status as forbearance. One, I am not in forbearance, that loan was legitimately forgiven/discharged on XX/XX/XXXX. Second, I just started to take classes online with 4 classes to go. Graduation date is XX/XX/XXXX. The only loan I would have open would be for the XXXX school year for the amount of {$12000.00} approximately and that wouldn't show up with MOHELA until in school deferment is completed and graduated in XXXX. 

Dealing with MOHELA has been a nightmare from the get-go. They can not seem to get their act straight and now they are bringing back phantom/discharged debt to try and collect on it. This is straight FWA and illegal on MOHELA 's part. The worst part is, instead of taking care of the obvious human error right away, they are making their clients follow up with THEM and do the leg work, calling them out and pointing out their missteps and not expediting these cases to make them right. It is a really bad way to do business and I did report FWA to the OIG/USDEd because now they are going to try and charge me interest once the COVID 19 restrictions are lifted AND report this to the credit agencies for a phantom debt. If they do not resolve this with the next two weeks, I will get a lawyer for FWA charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I deposited money from one Wells Fago account into another and it was fraud. I had no idea that this was a scam. I have requested the return of my money as it went from one WellsFargo account to another. the amounts XXXX XXXX, XXXX, XXXX I really feel Wellsfargo can track this money down and get it back as it was in there bank. I hope that you can help me with this situation. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I get several calls a day from this company. Sometimes after XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: OH

Complaint narrative:
Hello. I borrowed {$200.00} from MaxLend account # XXXX. I have paid back {$280.00}, which is 70.75 % interest. 

Yes, I was desperate at the time and really needed the help, but in the USA, loans above 24 % interest are considered predatory and is usury. I apparently have like 10 payments left. 

They have you sign an agreement@ 685.40 % interest, so that I would be responsible to pay {$1000.00} for a small {$200.00} loan. This is ludicrous to say the least. 

I had the same situation with a company called XXXX, but they understood that they were being predatory and lowered my loan to a reasonable amount. I've called MaxLend twice concerning this... The 1st time I had to get a call back from a supervisor. My phone recognizes them as spam so I didn't receive those calls, the 2nd call was today, I was put on hold for over 25 minutes... I had get back to work. 

This is going to make me have to rearrange my banking situation which will be a hassle. But I can not justify paying another dime to MaxLend for such a small loan. 

Also the immediate payoff at this point would be an additional {$240.00} totaling {$530.00} which would be a interest rate of 265.55500 % which is 241.555 % over the USA predatory lending limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX XXXX I sent the certified letter attached below to experian to send proof of account verification. Experian sent the attached email on XX/XX/23. That is a stall process. I called Experian on XX/XX/23, where the rep told me that company policy is above Federal Law. Experian is violating my civil rights if they are refusing to provide the requested information. These erroneous entries are detrimental to my overall credit rating and has caused me severe financial and emotional distress.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I called and ask them to remove all late payments and they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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: VA

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. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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 an 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of Identity Theft and am being harassed by collection agencies constantly calling me. The following information is what I found on my credit report that is not mine! 

XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX  {$1100.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$3500.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$2800.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$3100.00} XX/XX/XXXX DEPT OF ED/XXXX XXXX {$1700.00} XX/XX/XXXX DEPT OF EDXXXX XXXX {$1700.00} XX/XX/XXXX XXXX XXXX XXXX {$350.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have had XXXX auto leases with XXXX XXXX. I received a collection notice on or about XX/XX/XXXX from XXXX XXXX XXXX for collection on an account that I was told by XXXX XXXX closed in XXXX after I leased a new vehicle from XXXX XXXX ( which was turned in a closed in XXXX. The amount was {$13.00}. I paid the amount on that day and then called XXXX XXXX numerous times to find out what the issue was. They could not tell me as the account was not in their system. In XXXX of this year, my wife and I purchased a home and a {$13.00} account was on my credit report. With a representative of the bank that funded our loan, we spoke to XXXX XXXX to clear up the matter and was told that the account was closed and not to concern myself with the amount. I have spoken to various representatives of XXXX XXXX included the executive customer service area of the company. I was told that the matter should of never gone into collection, since I never received an documentation from XXXX XXXX about the the amount and that they would review the issue and directly take care of the matter with the Credit Rating services. I have not had a late payment in 35+ years and protect my credit rating aggressively. Since this issue, my XXXX XXXX has gone down from XXXX to XXXX with one of the agencies and lower with the others. XXXX 's incompetence in this matter should not affect my credit rating or the costs that are tied to that rating. There low customer review scores are indicative of how they do business and I am sure there are others who have suffered similarly from XXXX XXXX 's business practices. If I knew that I owed Ally {$13.00} in XXXX I would of gladly paid the amount, and since I continued to have a lease relationship with them through XXXX without any notification of the {$13.00} or request for payment, makes this situation more egregious. A company 's poor business practices and management of information should not be allowed to affect new or ongoing customer 's life and ability to live in a credit driven society. Thank 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I called and ask them to remove all late payments and they refused to.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 
Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : Diversified Adjustment Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  SS Account Number XXXX XXXX Account Name : Unknown Account Number : XXXX has violated my rights. 
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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

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 2023-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: EMG ACQUISITION GROUP, LLC
State: NV

Complaint narrative:
I had reported this company in the past for removing money from my account after stopping automatic payments. I tried to settle with them with no luck. They have removed another 2 debits from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I was in the process of purchasing a car. The Dealership submitted an application to Wells Fargo for an auto loan. Their interest rate was higher than what I was already preapproved for so I did not use Wells Fargo. Not long after I began receiving savings account statements from Wells Fargo, and I never Personally open the checking account with them. I have personally never had a Wells Fargo account in my life.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THESE ACCOUNTS AND INQUIRIES ARE INVOLVED IN LITIGATION AND DOES NOT BELONG TO ME. I NEVER ESTABLISHED THESE ACCOUNTS. THESE ACCOUNTS ARE A RESULT OF FRAUD. I WAS CONTACTED BY A COLLECTION AGENCY REGARDING THE ACCOUNTS THAT WERE OBTAINED UNDER MY NAME. I HAVE NO KNOWLEDGE OF OBTAINING ANY OF THE ACCOUNTS LISTED HERE IN THIS AFFIDAVIT REPORT, AND WAS TOLD THAT I NEEDED TO COMPLETE THIS AFFIDAVIT, ALONG WITH SUBMITTING MY PERSONAL IDENTIFICATION TO HAVE THE SUSPECTED FRAUDULENT ACCOUNTS INVESTIGATED AND REMOVED IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, 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: PA

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. 

The following accounts have violated my rights : XXXX. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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 an 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 explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 Section 604A, Section 2 : This section further states a consumer reporting agency can not furnish an 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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I was unable to access all of my accounts ( a total of XXXX accounts including Checking, Savings and CD 's ) at Wells Fargo Bank via online banking. My Wells Fargo debit and credit cards were also declined when I tried to use them. I called the XXXX number on the back of both cards and I was told that Wells Fargo had listed me as deceased and had frozen all of my accounts ( Savings, checking, etc. ) and closed my credit card. After many attempts at getting answers, I was told I was listed as dead and needed to go to a Wells Fargo Branch office and fill out a " Proof of Life '' form. My daughter helped me with this and we were able to acquired the form after waiting in the lobby for hours for assistance. Wells Fargo did not have a notary working at their bank and I had to take the form to another financial institution to get the Wells Fargo form notarized stating I was alive. I turned in the form on XX/XX/XXXX. I was told that evening that the form had been turned into the main office. My accounts are supposed to be accessible, however, I have been unable to access them on the online portal. My username does not work, and I am unable to utilize my account information to get into the system to access using forgot my password. My attempts to get help from my local branch have been unsuccessful. All of my transaction accounts were at Wells Fargo and I lost access to all of my funds. I am in the process of opening new accounts elsewhere, but still need assistance at accessing my accounts online and verifying that no other financial harm was done by Wells Fargo 's mistakes. This experience has taken a huge mental toll on myself as well as my family as I am an XXXX XXXX XXXX widow and navigating this has been difficult and has required support from my daughter. Together we have spent days working to resolve this issue with limited success and no support from Wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Unifin Inc.
State: VA

Complaint narrative:
On XX/XX/2023, a business I was not aware of retrieved {$120.00} off a a prepaid card that is used to transfer money to and from my bank account. I then called the company I have a card with they informed me they couldnt do anything until the action was in pending status for 24 hours until it was completed, and could resolve in a dispute. I then went on the internet to look up the business to retrieve information I called and reached out to see what is this or what matters it regards to. I am unaware of who this company is and I did not authorize any purchase with I asked if I could receive a refund they said no, I retrieved a email XX/XX/2023 asking me to sign for the purchase but the purchase was completed XX/XX/2023. The prepaid card has now open an dispute as of XX/XX/2023 and its still ongoing.

Company response to consumer: Closed with explanation