vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: TX

Complaint narrative:
I am reaching out to obtain a status update on the request made on XX/XX/2022, regarding XXXX XXXX XXXX XXXX. MOHELA is literally " hiding '' behind the issues that are presently addressed through the legal system. I have been in the XXXX XXXX XXXX XXXX for over XXXX years with over the XXXX payments required for forgiveness, and my account was only affected by those legal issues once you all CONVINCED me to consolidate my parent plus loans. 

I am attaching a copy of the letter from FED Loans dated XX/XX/2022, indicating that my XXXX  XXXX XXXX was XXXX at that time. I am also attaching a copy of the PSLF Payment Tracking showing that I made XXXX payments. 

I consolidated on XX/XX/2022, to include my parent plus loans. MOHELA processed the consolidation on XX/XX/2022. I was on the Income-Driven Repayment ( XXXX ) plan before consolidation and am currently on the XXXX payment plan. MOHELA has only given me credit for a total of XXXX payments. 

I was provided information from XXXX XXXX XXXX and MOHELA that my payments before consolidation would be counted after the loans were consolidated. This has yet to happen. Instead, MOHELA has been " gaslighting '' me since day one. They have not applied any of my payment counts to my student loan account. I do not wish to move forward with the consolidation if they do not plan on upholding their end of the agreement. I made the XXXX payments before consolidation, and I want to revert my loans to their status before consolidation. This would leave me with the parent plus loans needing to be repaid back for roughly {$14000.00}, give or take a few dollars. I would have never consolidated in XXXX of 2022 if they had not practiced " deceitful tactics '' to lure me into consolidating those loans. 

I have tried contacting MOHELA, XXXX, and FED Loans to resolve this situation. I have yet to be successful in obtaining any resolution from these folks. The representatives at MOHELA are very unprofessional and have a nonchalant attitude when discussing your concerns with them. The last representative laughed during our phone call without any provocation. 

I need clarification on how MOHELA acquired my loan in consolidation but not my payment count. I have spoken to several representatives with MOHELA, and all of them have assured me that they only enter notes into the computer system and can not provide ANY assistance on my account. I have a copy of my entire FED Loans file, over 1,000 pages. I have been in the PSLF program for over ten years. I can not email the file as it is too large, but if you need additional information on my student loans, I probably have access to the data. I can be reached at ( XXXX ) XXXX or at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: SC

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
I closed the credit card ending in XXXX account back in XXXX, 2022 ( A screenshot attached ). HOWEVER, as of today XX/XX/2022, I received the statement and was charged for the annualized fee in the amount of {$65.00}. 

TERRIBLE!! When my account was closed, I made overpayment, leaving my balance XXXX XXXX XXXXwhich means OneMain XXXX  card should have issued the {$5.00} check TO ME. However, now I see that I need to pay the annual fee for the card that I closed XXXX months ago??? 

I called the customer service and it doesnt let me connect with the representative since I dont know the card number anymore! 

PLEASE REVERSE THE ANNUAL FEE AS SOON AS POSSIBLE AND ISSUE THE CHECK IN THE AMOUNT OF XXXX XXXXXXXX WAS THE FINAL CREDIT ON THE LAST STATEMENT WHEN I CLOSED THE CARD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Equifax decided to randomly dropped my score by XXXX points. Alert I received for the change was that a remark was removed from a XXXX account. The remark removed was account previously in dispute- now resolved by data furnisher. This account was always a positive account, Im Trying to wrap my mind around how can a dispute remark whether added or removed, drops one score by so much?! What you guys have been doing to people and able to get away with is sickening and despicable!!! Im in the process of doing a mortgage, and this will impact the process. You dont dont just randomly drops someone score by so much and use a XXXX reason to doing so. XXXX points is a lot!!! Count your days, justice will prevail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # 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 a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: OR

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. US Department of Education : # XXXX, US Department of Education : # XXXX, has violated my rights. I've compared all three credit bureau reports side by side an notice Experian is the only credit bureau with this Inaccurate information. 

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.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
To whom it my concern : I extended my credit to CAPITAL ONE for a consumer credit transaction on XX/XX/2022. I the consumer and natural person, was denied credit by CAPITAL ONE. 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. I as the consumer feel as if I'm being violated under the law of 15 USC 1691 ( d ) ( 6 ) For purposes of this subsection, the term " adverse action '' means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested. 
As I have proof that i was discriminated against by CAPITAL ONE due to the response I received. ( see attachments ) I also reached out to CAPITAL ONE talked to auto finance supervisor ( can provide recording upon request ) stated that only if they was able to extend credit to me then it would be considered as a consumer transactions I stated that is a violation under U.S.C 1611 because he is giving out false information willing and knowingly. He stated they only do Consumer Transactions and their decision was accurate on Capital One behalf. From my understanding the transaction that was applied was for a consumer transaction and by me using my social security number I extended my credit to myself. I feel like they also violated me of 15 U.S. Code 1642, U.S.C 1681m and 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued Furthermore, because my social security number ( credit card ) was used and i received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of CAPITAL ONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX XXXX this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: MT

Complaint narrative:
I have previously filed this case. I uploaded some screenshots of with the accounts that Wells Fargo was pulling from my bank account for. They said I authorized these but they will not tell me what service or good I received for all this money they took out of my account up until XXXX of XXXX. XXXX XXXX XXXX XXXXXXXX XXXX said that I authorized deductions coming out of my savings account in XXXX. They have been deducting XXXX to {$500.00} a month out of my account which I did not discover until XXXX of XXXX. The bank helped me try to recover these funds but doesn't want to deal with it anymore because the credit card company saying that I authorized these debits. I asked them to give me proof of what I authorized what service or goods I got for it. But the bank just wants to give up and not help me get that and I don't know how to get help directly with XXXX XXXX XXXX XXXX because when I give them the last five digits of the accounts that they've been pulling the money for, XXXX XXXX tells me they have no record of my account. So this added up to somewhere near {$15000.00} they had taken over the years and I would like to recover these funds since I got nothing for them. XXXX  XXXX XXXX contact person who has been dealing with XXXX XXXX and Wells Fargo concerning this issue, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A synopsis of the important information contained in the screenshot attachments : Wells Fargo Bank XXXX ACH department phone XXXX. XXXX XXXX electronic remittance program XXXX it will received with XXXX / XXXX XXXX XXXX card number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX set up date XX/XX/XXXX to XX/XX/XXXX suspended XXXX XXXX card number XXXX XXXX active XX/XX/XXXX Sent to Wells Fargo by my bank XXXX Asking what vendor proof of what service are good I received for debits to my account. Asking for return all items as XXXX For reference : my bank sent this request to Wells Fargo : for the reference number Wells Fargo provided on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Above was sent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want my money return to my account they should not get away with just saying that they canceled out my account and that I should just go away and not expect them to return or tell me what I got for the money they took out of my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
An individual is impersonating a medical collection agency, Paragon Revenue in XXXX. He called about outstanding debt, wasn't sure how or why he had this information, and when we tried to clarify the information, he asked for social security and other personal information. 

We said we'll call back. He said ok. We did later, and he didn't know what we were talking about, and asked for our personal information again. When we said we didn't want to share that info, he told us that he's busy and needs to go and hung up on us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-29 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: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Pentagon Federal Credit Acct # : XXXX... 
Balance is inaccurate. Should show XXXX Balance Information is inaccurate Dates are Inaccurate Mixed up with Ex-Wifes account Please show XXXX Balance or remove

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 2022-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX 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.

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 2022-12-29 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: AZ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX XXXXXXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-South Adjustment Co., Inc.
State: IN

Complaint narrative:
I owe the VA money for my medications. The amount is incorrect. They usually take it out of my tax check. This is the first time this has happened. I'd like to know why I wasn't given a chance to pay this before it went to collections..? It has been a bad couple of months so I can't pay this amount right now. I guess it will just have to come out of my income tax return.I 'm behind on all my bills..I 'd like some time to pay this off if possible..ty

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Lincoln Educational Services Corporation
State: MS

Complaint narrative:
I have been trying to contact my private lender since I have been in basic training, about getting my interest rate lowered to 6 % apart of the scra. I have had no luck with them to which they tell me they do not do that. The school is Lincoln tech in XXXX Tennessee

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: ID Analytics, Inc.
State: SC

Complaint narrative:
This should serve as a written notice to Sagestream that I XXXX XXXX wishes to put a security freeze on any information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
In XX/XX/2022 I received an Aspire credit card with an {$700.00} credit line. I was trying to build my credit and not aware of predatory lending practices. 
After one year of payments I still owe {$540.00}, but have paid a total of {$2200.00}. 
This should be criminal. I am sick over it and see no way out. 
I have not reached out to the company because I dont know where to begin or what to say. 
I destroyed my card months ago in hopes of paying it off and closing the account. It seems unreachable

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 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: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2022-12-29 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found a collection on my credit report and it is not mine. It doesn't even let me know who to contact. I contacted the credit bureau who is reporting this to let them know that I don't recognize what this is. They are supposed to respond me in 30 days and they have not done so.

Company response to consumer: Closed with explanation