vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-02 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: OR

Complaint narrative:
Mohela is THE most incompetent company I have ever had the displeasure of dealing with. 

1. Some phone numbers listed on the contact us aren't even correct : XXXX - what even is this? Why was a woman trying to tell me I qualified for a device in case I fell and needed help? I hung up. ( And yes I triple checked to be sure I dialed the correct numbers ). 

2. Once you find the correct number to call, you are forced to listen to an obnoxiously long automated voice without ever giving an option of speaking to a representative. You have to select a number that doesn't apply to you, just to listen to more nonsense, before suddenly being transferred. The wait time is ASTRONOMICAL. 

3. THE INFORMATION IS DIFFERENT DEPENDING ON WHO YOU SPEAK TO. I do not need to explain how wrong that is. 

4. Most people are in training, and no one who can actually help is ever available. I was on hold for over 40 mins and had to hang up before I got to speak to the " senior representative '' who was going to talk to me about forbearance while await PSLF to go through. No one has time to be on hold for that long, especially without the option of a call back. 

5. The customer 's account page is a joke : a. why would my account say I'm in " good standing '' when really it just means my consolidation hasn't gone through? b. why would all my balances say {$0.00} when really it means my consolidation hasn't gone through? c. WHY ISN'T THERE A NOTICE ON MY ACCOUNT THAT EXPLAINS ALL OF THESE THINGS RATHER THAN FORCING ME TO CALL AND SUFFER THROUGH THE MOHELA EXPERIENCE TO HAVE A REP WHO IS MOST LIKELY IN TRAINING TRY TO EXPLAIN IT ALL? d. why does my IDR consolidation application say " canceled '' on my documents received page when in fact it means it was " manually processed '' WHY DOESN'T IT JUST SAY " PROCESSED ''? 

6. It takes way to long for someone to respond to a message- about a full month or longer in some cases. 

7. No one is reaching out to customers to share one time account adjustment info. If you happen to suffer through calling Mohela and actually getting to speak to a minimally competent representative, ( and if you're lucky - like I was ) you may be told that your remaining loans that you were always told weren't eligible for PSLF ( or they would be but would start back at XXXX ), actually are now if they're consolidated. I took it upon myself to tell other borrowers I know all this. They looked at me like I was crazy bc WHY HADN'T THEY HEARD ABOUT THIS FROM PROFESSIONALS? 

It's really not difficult to have accounts accurately reflect what is happening for the customer. The need better ACCURATE COMMUNICATION : " hey, we saw you applied for consolidation - here 's what's going to happen to your account in the meanwhile... ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Unifin Inc.
State: TX

Complaint narrative:
Received text message regarding a debt I am unfamiliar with under incorrect name on XXXX @ XXXX XXXX. I responded I do not have a debt with said company and asked to not contact me again. I was contacted again XXXX @ XXXX XXXX. I am not sure if this is a phishing scam. The text messages have different reference codes and I have not ever heard of them. Does not state what amount they think is owed. I responded if they continue to contact me via text message they could receive a fine for harassment. I received a letter from same company and sent back it was not my debt, incorrect information as my name is not correct. Also have received messages from XXXX XXXX  XXXX XXXX  that I have sensitive data on the dark web.

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

Complaint narrative:
XXXX  XXXX, is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charged-off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. 

Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX  XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX  XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge-off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! 

I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charged off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX  XXXX for the canceled debt of {$9800.00} to file as ordinary income. 

XXXX XXXX is clearly writing off debts with the IRS without sending out 1099-C as required by the IRS for debts greater than { { { {$600.00} } } }. This is unsatisfactory! 

XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. 

The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. 

I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer, I am now revoking any and all authorization I, the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. 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, non-written, verbal, and nonverbal per 15 USC 6802. 

I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
They will not reopen my account and they cant seem to help me understand why my account has been closed. I have been transferred to different departments and speaking with different managers to get a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Summit A*R, Inc.
State: TN

Complaint narrative:
I did not consent to having my medical and personal information outed, this debt being sold to a collector is legally no longer my debt. 
In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC16814.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: VA

Complaint narrative:
On XX/XX/2023, we closed on the purchase of a new-build townhouse with XXXX XXXX XXXX. After just a few months, our mortgage was sold to Planet Home Lending. In XXXX, I received our property tax bill from XXXX XXXX XXXX. The bill was broken into two lines, the first for the land billed for four months and the second for the structure and land billed for eight months. I immediately called Planet Home Lending to see where I needed to forward the bill for payment. After navigating their automated phone system, I was directed to a recorded message stating that if I received a bill from my county for property taxes that no action was needed on my part. It said to rest assured that they would receive everything that they need to process my property tax payment from the county. 
In XXXX, I received a second bill from XXXX XXXX XXXX. The bill showed that Planet Home Lending had paid most, not all ( {$1200.00} of {$1200.00} ), of the amount listed on the first line of the bill. The bill also included a late payment penalty of {$240.00} and interest charges of {$45.00}. My husband called the mortgage company and was told that their accounting department receives the tax bills and tells the tax department how much to pay. They also said that they are not responsible for paying any supplemental taxes. They said that to pay any supplemental taxes out of our escrow account that they would have to receive a verbal authorization. He explained that there are no supplemental taxes, that the bill was broken out into two lines because the home is a new build. They said that they did not know it was a new build and we would be responsible for the penalty and interest. He then called the county to verify that the mortgage company received the same bill that we received and was assure that they did receive the same information. My husband requested that a review of the responsibility for the penalty and interest be conducted by the mortgage company. The review came back as denied. 
The mortgage company never reached out to indicate that they needed to know if we planned to pay any additional taxes ourselves or wanted them to be taken from our escrow account. They were aware that our tax bill should be around {$4000.00} per year yet did not question why the invoice was only for {$1200.00} ( the entire billed amount was {$3700.00} ). I do not feel that we should be responsible for the penalty and interest. Planet Home Lending did not fulfill their obligation to pay our real estate tax bill out of our escrow account and I believe they should be responsible for the late payment penalty and interest. There are sufficient funds to cover the tax payment in our escrow account and if the mortgage company did not understand the bill received, they should have inquired either with us or the county for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX reported a hard inquiry on XX/XX/23 from JPMCB so I called to have it removed. A XXXX representative informed me that it would only be removed if JPMCB sent documentation to support its removal. I contacted JPMCB to inform them of the fraudulent activity. They acknowledged/confirmed the fraudulent attempt to open a credit card in my name. Then I was told by a representative in the JPMCB fraud department that they would send documents to XXXX and it could take up to 90 days before being removed. I called XXXX today to follow up and they told me they never received anything from JPMCB. It has been more than 90 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts 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 these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-02 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: FL

Complaint narrative:
I reviewed my consumer reports and noticed that I had 1 to 2 late payments on accounts 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 these accounts, so I have included screenshots inside this complaint. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I am demanding these payments be updated to paid as agreed on time, as well as updated in the monthly account history, because I was never late. 

Thank you! Please see the screenshots 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 2024-02-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
This account does not belong to me. Please have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-02 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: Nelnet, Inc.
State: IL

Complaint narrative:
I have applied for the SAVE plan and after finally having it processed after almost 5 months, I was ready to start making payments again. My first payment was supposed to be in XXXX. However, Nelnet put an administrative forbearance for another 2 months as the email stated they were still processing the SAVE plan when it was clearly already processed. Now I have to pay another 2 months of additional interest and not able to pay on my student loans because of Nelnet 's mistake on placing an administrative forbearance stating that they were processing SAVE plan when it was already processed. I called Nelnet for the administrative forbearance to be removed immediately and restart payments in XXXX or XXXX when able in which they stated it will take 2 weeks to process which it already has been. If Nelnet responds that it will just take more time, that is NOT an acceptable answer as the whole process has taken almost 6 months to go to SAVE plan and is grossly negligent on Nelnet 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX.Im now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2024-02-03 00:00:00
Product: Credit card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received an alert from my credit monitoring company that a new credit card was issued in my name from XXXX. I have never applied for, nor received any credit from them. I have contacted them 6 times to resolve this issue, and have had to open several fraud cases that have been closed without them even contacting me. They said they sent me an affidavit in the mail, but I never received anything. I asked them to confirm my address, and they did. Asked them to send another one 3 TIMES! When I didnt receive any of them, I asked them to send it certified mail, but they said they ONLY use regular mail ( how convenient ) and that I can not download it from the website. My last call was on XX/XX/XXXX and I was told that I didnt need to worry about it, and that they would take care of it. On XX/XX/XXXX I received an alert from my credit monitoring company saying that I had an account that was past due. I filed disputes with the credit reporting agencies, and am going to file suit in small claims court if this is not resolved by and of month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Deposited a check on XX/XX/XXXX for {XXXX they told us they would have a hold till XX/XX/XXXX On XX/XX/XXXX we were told account was now restricted and he would need a number in his name to verify. We went and got a phone from XXXX XXXXXXXX in his name. 
Everyday have called they have stated the phone isn't showing in the system under his name and on XX/XX/XXXX they will close my account and hold funds in suspense until they get another number to contact him in his name. 
On XX/XX/XXXX we were told by a customer service supervisor to go to branch a fill out a hold harmless letter. The branch refused to do so. 


XX/XX/XXXX spoke with XXXX transferred to specialist XXXX specialist stated the funds would be available to use on XX/XX/XXXX XX/XX/XXXX spoke with XXXX said account needs a specialist and gave me the number XXXX option XXXX spoke with XXXX she stated account is restricted she stated they could hold funds for 2 years Spoke with XXXX he said to call back everyday that the account will be deleted the XXXX and if and when they can verify XXXX with a phone number they will mail me a cashier check for the XXXX XX/XX/XXXX spoke with afa she tried to see if his phone was registered yet still showing someone else name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citi card closed my account because it went over the limit due to interest charges in excess of {$24.00}. I have always made my payments on time except for the month of XX/XX/, and still continue to make payments on time despite account being closed without any reason or notices. 
I called Citi Card to ask for reason why the account was closed due to it saying closed by Creditor and they said I needed to call the credit bureau. I called Credit Bureau and they told me Citi Card closed the account, and all I can do with them is create a dispute for this action. I received a notice from XXXX that stated that the account was closed due to reaching limit but never made a late payment.

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 2024-02-03 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: WI

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

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