vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Westcreek Financial
State: IL

Complaint narrative:
XXXX with XXXX XXXX for the purchase of {$2200.00}. 
XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX I Cancelled furniture on Monday, XX/XX/2023, XXXX via text conversation with XXXX  or XXXX on his personal device after him sending me a picture of another sectional set trying to get me to purchase XXXX XXXX lied and said furniture was delivered to me that same day. XX/XX/XXXX which is a lie Delivery was scheduled for XXXX, XX/XX/XXXX prior to me cancelling. 

Wednesday, XX/XX/2023, XXXX from Koalafi  hooked up a XXXX call with myself, her and a store rep and he stated I signed a document when furniture was delivered on Monday XX/XX/2023. And as XXXX said the signature on the paperwork ( which I was just finding out my signature was forged ) that was submitted by gallery furniture for payment did not match the signature on my affidavit I signed of not receiving the furniture XXXX was never delivered it was cancelled ; XXXX XXXX forged my signature which is a crime to gain payment of {$2200.00} from Koalafi under false pretenses of me as proof that furniture was delivered. This company Koalifi sided with me in XX/XX/2023 which I have in writing that the account would be canceled and I was not responsible for the purchase since it had not been delivered, after I proved furniture was never delivered, Friday XX/XX/XXXX I received another email stating that since XXXX XXXX is fighting the closing of account the are not going to close it the furniture store could not even tell this company what unit I live in. The furniture was never delivered and koalifi has told me to take it up with the store their removing themselves from the dispute ; which is unruly due to this account is with them and soon to damage my credit due to this business who has loans services through them lying about merchandise delivered

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was lied to from the beginning when enrolling in this school. I don't know if this is the right place to let you know all the things I was lied to about. For now I would like to let you know that I will never be able to get my XXXX. The XXXX I went to has closed. They would not even give me my transcripts until I paid them XXXX XXXXXXXX They promised me job placement which they never helped me XXXX XXXX XXXX XXXX. I sacrificed 2 years of my life, scared to death of failure because this school was extremely expensive, XXXX XXXX  I could not find a job in my career. I had to do the best that I could freelancing and was forced to live with my parents. All these great promises this school told me were not true. Now I have an enormous outstanding balance, no work, no career, XXXX XXXX to show employers, not even transcripts to continue education because I can not find a job for what I went to school for. I am so saddened, feel hopeless, and left in the rain. I will never get XXXX XXXX that I worked so hard for. Yet I am forced to pay this enormous amount of money which has accrued a tremendous amount of interest already. This is why I am reaching out. I need help, I believe this should be illegal. I believe I did everything right with good intentions, yet I was suckered into this school 's empty promises.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
Submit through the CFPB To Whom it may concern I have recently review a copy of my consumer report and have noticed that there is a collection furnish on my report that I know nothing about, nor am I sure that it is even my debt. The misinformation being furnished to my consumer report is negatively effecting my credit worthiness and may have substancial financial consquences for me and my future The debt being furnished on my consumer report reads as followed SW CRDT SYS ( Original Creditor : XXXX XXXX ) Account # : XXXX According to the Federal Laws governing debt collection and Credit Reporting FDCPA and the FCRA you have violated my consumer rights under the following 12 CFR 1006.34 ( b ) ( 5 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) 12 CFR 1006.34 ( d ) 15 USC 1681s-2 ( a ) Debt collectors are required to abide by these strict guidelines inorder to ensure the accurancy of the debts that they report and providing verification of the debt upon the request from a consumer I XXXX XXXX am formely requesting the following actions to be taken in regards to the incorrect debt being furnished on my consumer report XXXX - Provide me with detailed information about the ownership of the debt in question to include the account number, original creditor, and all documentation related to this debt to include your forward flow agreement between your company and the original creditor XXXX - Cease any and all collection activities in relation to this debt until the validation process is complete XXXX - Investigate the source of the error and promptly update my consumer report with the 100 % accurate information XXXX - Confirm in writing that this debt has been removed from my consumer report and that there will no longer be any attempts to collect on this debt I am urging your agency to comply with the above requested actions as it is mandated by Federal Law. So please do so inorder to prevent any potential legal consequences for non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an email from Mohela stating that I was required to recertify my IDR SAVE Plan before the XXXX deadline. I submitted my recertification application a few days later. There had been no changes to my income ( still {$0.00} ), as I am a XXXX XXXX living on an XXXX XXXX abroad. My application was denied by Mohela on XXXX XXXX, XXXX with the statement that I am " not currently due for an annual renewal, '' despite contradictory information in their XX/XX/XXXX email. I was then told that the due date for recertification is XX/XX/XXXX. 

I resubmitted my recertification application after receiving an email on XX/XX/XXXX that my monthly payment amount has risen from {$0.00} to {$200.00} due to failure to recertify ( even though I attempted to recertify ). I have already submitted a complaint on studentaid.gov, but I am submitting one here also, as I am not able to pay this {$200.00} amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: LoanCare, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a correspondence from XXXX and XXXX XXXX XXXX requesting I sign the documents dated XXXX. No signature was on the letter stating that loancare attempted to contact me. I have no correspondence from loancare other than my taxation notice. I contacted XXXX XXXX and left a voicemail at XXXX. 

Why are they requesting a signature on dated information that loancare stated to your office was resolved?

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 2024-02-24 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX two charges were made on my Bank of America credit card, one in the amount of {$53.00} ( controller ) and one in the amount of {$530.00} ( XXXX ) at XXXX XXXX in Minnesota. When I found the charges on my card, I called the bank told them they were fraud, I did not make them. They apparently tried twice to charge these items on my card, The first time they were declined the second time they went through. The bank refunded my money while they researched, Then they decided they werent fraud and recharged my card because XXXX XXXX told them they had all my info and that these were delivered to my home. I called the XXXX XXXX told him this is fraud charges. They said I would have to deal with my credit card co. I called Bank of America back again Told them these were not my charges I never ordered nor received these items. They said the information they got from XXXX XXXX stated that they were sent and received by me at my home. I researched and found the order details of these items and was able to get a copy of the order which stated these were picked up, not sent to my home, at a XXXX XXXX in XXXX, Florida. I then went to my Bank of America branch and had them fax the copy of the order details that states these were picked up, not delivered to me. I also went to the XXXX XXXX that they were apparently picked up from to try and get video of who the people were but because too much time it passed I was not able to.

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 2024-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I request the ally financial the the detail but they got wrong personal info they didn't remove from my 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 explanation
Consumer complaint received 2024-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
on XX/XX/2024 I submitted a report about me informing capital one, XXXX, and XXXX XXXX of my decision to exercise my rights under the provisions of 15 USC 6802 of the Gramm-Leach-Bliley Act ( GLBA ) regarding the sharing of my nonpublic personal information. 
As a federally protected consumer, I hereby formally opt out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, that I may have previously given to your institution for the sharing of my nonpublic personal information with non-affiliated third parties including the consumer reporting agencies for any purpose I wish to exercise my right to safeguard the privacy and security of my personal information and to restrict its sharing with third parties, particularly for marketing or other purposes not directly related to the financial services I have with your institution. 
Please take immediate action to ensure that my nonpublic personal information is not disclosed to non-affiliated third parties and consumer reporting agencies in violation of my opt-out request. I trust that your institution will comply with all applicable federal regulations and laws, including the GLBA, to protect my privacy and information security. 
I kindly request written confirmation of my opt-out request, acknowledging that my decision has been processed and implemented. These companies are still reporting charge-offs on my report even though I am using the law and exercising my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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:
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 2024-02-24 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: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
IN XX/XX/XXXX, I SEND A CHECK # XXXX AMMOUNT OF {$3400.00} TO COVER THE PAYMENT FOR XX/XX/XXXX AND XX/XX/XXXX. CROSSCOUNTRY INSTEAD OF PUT THE PAYMENT WAS REQUEST VERY CLEAN ON MEMO OF THE CHECK. THE CROSSCOUNTRY PUT THE PAYMENT FOR MORTGAGE PRINCIPAL, CAUSING ALL THIS PROBLEM. 

I HAVE CALLED SEVERAL TIMES TO FIX THE PROBLEM AND SENT A COPY OF THE CHECKS, PAYMENTS. 

XXXX AND XX/XX/XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX XXXX - PAID ON XX/XX/XXXX CHECK NUMBER XXXX After several calls to Crosscountry Mortgage, I thought the problem was resolved until I received a validation of debt letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: CT

Complaint narrative:
We have reached out to them several times to explain that their information i incorrect we have no open credit collections with them or any other company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX  XXXX XXXX XXXX Try and get this removal from my report..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Unauthorized inquires by XXXX XXXX, XXXX XXXX XXXX and XXXX XXXXXXXX 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 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OR

Complaint narrative:
I applied for the SAVE program and was approved for XXXX XXXX  monthly payments before my deferment period was up. Then, I waived my deferment period so that I could begin making my XXXX XXXX  monthly payments. At this time, XXXX was assigned as my loan servicer. My loans were then transferred from XXXX to Mohela after I was approved for the PSLF program. I realized after this that under Mohela, I was not signed up for the SAVE program -- I quickly re-applied for the SAVE program and was once again approved for XXXX XXXX  monthly payments. However, I then received a statement for {$710.00}, due on XX/XX/2024 and was advised that my XXXX XXXX monthly payments would begin the following month. On XX/XX/2024, I called Mohela customer service to ask if my deferment period could be extended to cover up until my {$0.00} payments started in XX/XX/2024. The representative confirmed that this was possible and submitted a request on my behalf. They also assured me that the request would be reviewed prior to the XX/XX/2024 due date. However, the balance remained. On XX/XX/2024, I called Mohela customer service again. I was assured that the deferment request had been submitted and that all I needed to do was to wait for it to be approved, then the past due amount would be removed from my account. It is now XX/XX/2024 and my account is still showing past due and that I owe {$710.00}, even though it also clearly shows that I was approved for XXXX XXXX  monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against experian. I have sent numerous letters requesting for Experian to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. Theyre listing an address that DOES NOT BELONG TO ME. They wont remove it.

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 2024-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
I filed my XXXX taxes with XXXX and received my federal refund in the amount of XXXX, XXXX after XXXX fees were deducted. It was sent to my credit karma money spend account of which I can sign in. Since XX/XX/XXXX I have been to access my account, I cant use my money or debit card, view my funds or any other actions besides signing in. Continuous error messages appear when attempting to use the website and app. I contacted Credit karma via phone, email, chat and fax. I have ten unresolved support tickets, I have been intentionally ignored and disconnected when inquiring about my money. IRS nor XXXX are able to assist because Credit karma Accepted the funds and wont allow me access to my account or money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
The company froze my account for returned payments. They state the bank account needs verified its the same account I have had payemtns coming from since XXXX. They processed a payment for XXXX using this account. I have not breached the contract but I believe they are by still using an unverified account for payemts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Confusing or missing disclosures — 
Company: Blockchain.com, Inc.
State: CA

Complaint narrative:
My funds have been locked up in this account since XXXX. I tried to withdraw them several times and there always seems to be an issue where I can't just withdraw the funds. The site wants me to purchase crypto or give them more details for a wire transfer. I did this and despite that it would not allow me to withdraw the funds to am external account. There is also no way to get ahold of someone to get help. I sent an email on my web browser as well just to receive an automated response with the same information about wore transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was approved for an unsecured personal loan from a lender I found online. At that time they were dba as LightStream A Division of SunTrust Bank but I think theyre now Truist Bank . The loan was {$5000.00} with repayment terms of 48 months. After receiving a confirmation email regarding my final payment, which I have recorded and documented, LightStream began harassing me about my unpaid overdue balance. Despite my best efforts to resolve the dispute by contacting them and providing them with a copy of the email I received from them as well as a screenshot from their, they continued to make negative inaccurate reports to all 3 major credit bureaus about the loan being late, and eventually written off. They turned me over to collection agencies, reported negative information about me and refused to accept the undeniable proof I was providing them that my loan was paid in full and on time. Im tired of trying to resolve this issue on my own and just want this negative information removed from my credit report. Please see my attached documentation, screenshot of the original email and information from the Light Stream website which shows everything needed, including dates, account number, loan details, etc. Please review areas circled in red of my attachment for what I believe is proof that on XX/XX/XXXX the Principal Balance of my account XXXX was {$0.00}, next payment due date was reported as NA and Amount Due was {$0.00}. The loan originated on XX/XX/XXXX for 48 months ( 4 years ) and this email is dated XX/XX/XXXX which is almost exactly 4 years to the day of the original loan date!

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