vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: SC

Complaint narrative:
I received a letter from Mohela dated XX/XX/XXXX. This letter stated that I had met the number of payments to qualify for the Public Service Loan Forgiveness. This information matched what was on the Mohela site at that time. A week later I received another letter dated XX/XX/XXXX, that my loans had been forgiven. I even called Mohela to double-check this and they confirmed it was accurate. I then received a reimbursement check dated XX/XX/XXXX. I held onto this check because I wanted to confirm the receipt of this was not a mistake. I did not deposit this check until XX/XX/XXXX. In the interim, I checked my studentgov.org account and my Mohela account. Both reflected that my loans were paid in full and no further action was needed. I received an email yesterday, XX/XX/XXXX, stating that my Mohela XXXX XXXX payment was due. I logged into my account because I was curious since my loans had been forgiven. When I logged into my account, I saw a loan balance of {$31000.00}. This was news to me. I immediately looked in the messages within my Mohela account to see if I had missed some sort of notification. There was nothing. Then I searched my email and there was nothing. Mohela reversed my loans without my knowledge. Today ( XX/XX/XXXX ) I called Mohela. After being redirected with automated prompts for 20 minutes I finally got a human on the phone. Once I began speaking to the representative she said, it looks like your forgiveness has been reversed because you didn't have enough qualifying payments. She told me I now owe {$31.00}, XXXX. I was in shock. I just found out they were forgiven and received no warning or letter stating that this was even an issue. the representative then told me that she could no longer help me and that she would transfer me to a supervisor. Once she transferred me to a supervisor, I was promoted to confirm my callback number and then the call disconnected. 

I understand that the government is constantly making changes to forgiveness policies, but to present the information stating that a borrower qualifies and then award them the forgiveness just to retract it later, without even notifying the borrower is highly unprofessional and unethical. 
I have never dealt with this level of unprofessionalism from a company that represents the Federal Government. It is a disgrace.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

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 2024-02-23 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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Multiple Charges on bank account between XX/XX/2024 and XX/XX/2024 in total of {$5600.00}. Called Chase XX/XX/2024 and disputed the charges as I did not recognize them as a purchase I made. My debit card was cancelled, changed password and log in on chase website have set up two factor authentication. But, I have not heard anything from chase since even after calling for an update on the case or checking my secure messages section on their website. Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a equity loan from this bank and the other name banks prior to Well Fargo. The Equity loan was approved in XXXX and the amount was {$37000.00} but recently I attempted to use it based on the statements I have always received and was told it was reduced to {$33000.00}. because of collection action or unfavorable actions not actually with Wells Fargo. I have never been late nor missed a payment on my mortgage which is now paid in full nor my equity line which is to be paid by XXXX. Even if a letter was sent the statement has always remained {$37000.00} and did not indicate this restriction. I think Wells Fargo should honor the statement amount of {$37000.00}

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 2024-02-23 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:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Request for Assistance in Validating Debt Collection Rights by Specialized Loan Servicing LLC Dear Consumer Financial Protection Bureau, I am writing to seek your assistance with a matter that deeply concerns my financial well-being and peace of mind. Specialized Loan Servicing LLC ( SLS ) has been attempting to collect a mortgage debt from me, claiming they have purchased this debt from XXXX XXXX. Given the lack of transparency and the refusal to accept payments, combined with SLS 's past litigation history for similar issues, I have significant doubts regarding their legal standing and compliance with necessary regulatory requirements to enforce this debt collection.

In light of these concerns, I respectfully request the CFPB 's help in requiring SLS to provide the following critical information and documentation to verify their legal right to collect this debt : 1. ) The Original Credit Agreement between myself and XXXX XXXX, as per TILA ( 15 U.S.C. 1641 ( g ) ).

2. ) Complete Assignment and Chain of Title Documentation, showing the legal sale and transfer of my mortgage debt to SLS, in compliance with the UCC.

3. ) Detailed Account Statements as mandated by RESPA ( 12 U.S.C. 2605 ), outlining the calculation of the current amount due. 

4. ) Evidence of SLS 's Compliance with state licensing requirements for debt collection.

5. ) Verification of the Debt as outlined in the FDCPA ( 15 U.S.C. 1692g ), including a detailed validation of the amount claimed.

6. ) Documentation of FDCPA Compliance ( 15 U.S.C. 1692 et seq. ), ensuring that SLS 's collection practices adhere to federal standards protecting consumers from abuse.

My request stems from a need to ensure that all collection efforts against me are grounded in legality and fairness. The distrust that has emerged from SLS 's actions including their refusal to communicate effectively and provide necessary documentation underscores the importance of this request.

I believe that the CFPB 's intervention in this matter is crucial to not only validate the claims made by SLS but also to uphold the principles of consumer protection enshrined in our laws.

Thank you for your attention to this matter and for your ongoing commitment to safeguarding consumers ' rights. 

Sincerely, XXXX XXXX XXXX XXXX. 
P.S.

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 2024-02-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I received a call at about XXXX XXXX XXXX from a guy named XXXX claiming to be from Lightstream Bank informing me that my personal loan had been approved. It was for I think $ XXXX at a 5 % rate. XXXX had a thick XXXX accent and poor customer service skills. I didnt let XXXX know with whom he was speaking with He wouldnt divulge how applied for the loan. I have never applied for a loan through Lighstream bank. He wanted to know if I still wanted the loan. After some angry conversation about bank fraud I instructed XXXX to close the loan. He said that they needed to send me a code, and then once I received the code I needed to provide it to them. If I didnt close the loan offer then he told me I would keep getting these calls. This was a phishing expedition in my opinion. 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 explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID, Proof of Address with my most recent bill and SSN Card.

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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE ALL FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2024-02-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
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 2024-02-23 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: MI

Complaint narrative:
I am reaching out to bring to your attention a distressing and frustrating situation concerning the mishandling of my student loan discharge by MOHELA ( Missouri Higher Education Loan Authority ). I believe my experience highlights potential systemic issues that may impact numerous individuals nationwide, necessitating urgent inquiry and intervention. 

In XX/XX/XXXX, I received notification from MOHELA that my loans had been forgiven under the Public Service Loan Forgiveness ( PSLF ) program. However, I subsequently discovered that while my graduate loans were appropriately forgiven, my undergraduate loans still showed a balance. Upon contacting MOHELA, I was advised to reapply, and after doing so, a few weeks later, I was informed of a refund of over {$4900.00} for overpayment. 

To my dismay, when I inquired about the refund in XXXX, I was told it had been sent to the US Treasury and would likely be paid out by the end of the year. However, upon further investigation in XXXX, MOHELA provided conflicting information, asserting that no refund was due. They explained that the overpayment had been applied to my outstanding undergraduate loans, which were forgiven under the Income-Driven Repayment ( IDR ) plan, not PSLF. 

On XX/XX/XXXX, my account displayed a {$0.00} balance, confirming the discharge of my loans. However, a few hours later, I received an email from MOHELA stating my account was in " Administrative Forbearance. '' Upon contacting them, I was informed that my loans had been erroneously discharged and subsequently reinstated, now reflecting a balance exceeding {$46000.00}. 

I am writing to express my complete and utter disgust with the handling of my loan discharge by MOHELA. The inconsistency in information provided during my interactions with their representatives is both bewildering and distressing. It raises serious concerns not only about the accuracy of the information disseminated by MOHELA but also about the legality of reinstating loans that were purportedly discharged.

I implore you to investigate this matter urgently, as I believe there may be numerous individuals facing similar situations. The emotional and financial toll on borrowers subjected to such erratic and unexplained actions by loan servicers is immeasurable. It is crucial that steps be taken to rectify this issue promptly and prevent further harm to borrowers who rely on the integrity of student loan forgiveness programs. 

I appreciate your attention to this matter and trust that your office will take the necessary steps to ensure a thorough examination of MOHELA 's practices and accountability. If there is any additional information or documentation needed to aid in your investigation, please do not hesitate to contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: FL

Complaint narrative:
DELETE ALL FRAUD ALERTS Transunion XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN XXXX XXXX XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2024-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
Consumer Financial Protection Bureau Dear Sir/Madam , I am writing to report an ongoing issue with certain collection items appearing on my XXXX credit report. These items were recommended as not valid by XXXX, and upon disputing them through XXXX, they were found to be invalid and subsequently removed from my report. However, the same items persist on my XXXX report, causing significant distress and impacting my financial standing. 

The following are the details of the collection items : CAINE & WEINER Date Opened : XX/XX/XXXX Amount : {$360.00} XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$470.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$1000.00} Despite being paid off, XXXX of these items have remained on my report for over XXXX years. Moreover, the creditors associated with these items seem to be manipulating the dates and re-adding them periodically, which I believe to be aggressive and potentially illegal tactics to extort money. 

I attempted to dispute these items through XXXX, as recommended, but have encountered difficulties in reaching them for resolution. An automated message on XXXX XXXX directed me to contact either the state comptroller or your agency to report these issues. 

The inaccuracies on my XXXX report are adversely affecting my life, and I feel unjustly held XXXX by these unjust entries. My XXXX report accurately reflects XXXX items in collection, and it is imperative that XXXX and XXXX reflect the same. 

I appreciate your attention to this matter and request your assistance in rectifying the inaccuracies on my XXXX report. I am prepared to provide any additional information necessary to facilitate the resolution of this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-23 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, Chase Visa card was used to pay an {$8000.00} deposit towards a car engine with expected delivery date of XX/XX/XXXX. 
On XX/XX/XXXX, the merchant was contacted for an update on delivery. Merchant ( XXXX XXXX XXXX XXXX, XXXX ) dissolved its business in California on XX/XX/XXXX. No notice was provided to customers. The store front is closed. Emails dont work, phone is disconnected. The product was never received. 
The credit card has been paid in full. Chase bank refuses to provide chargeback to account. Cardholder not put on notice of potential claim dispute until XX/XX/XXXX. Action was taken with Chase bank immediately. Chase bank refuses to assist.

Company response to consumer: Closed with explanation