vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: WI

Complaint narrative:
I applied for the SAVE repayment plan on XX/XX/23. 

I received a notice from my servicer, MOHELA, dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I assumed this related to my SAVE repayment plan request. 

I received a notice from MOHELA dated XX/XX/23 stating that MOHELA has placed an Administrative Forbearance on [ my ] account. I had not requested a forbearance and the notice provided no further explanation as to why my account was placed in forbearance. The notice stated that the forbearance would end on XX/XX/23. 

I received a notice from MOHELA dated XX/XX/23 stating that my Income Driven Repayment ( IDR ) plan request has been approved. The notice stated that my monthly payment would be {$430.00} and this plan would go into effect on XX/XX/23. The notice said nothing about my SAVE request being denied or rejected. 

As of XX/XX/23, I had not received any communication from MOHELA about my return to repayment. I decided to both send a message to MOHELA and call the customer service line. I waited on hold for about 1.5 hours. 

When I spoke to an agent, I was told the following : ( 1 ) My account was placed in administrative forbearance at the request of the Department of Education. The agent could not provide any further explanation about why the Department of Education made this request. ( 2 ) I was told that I would continue to receive credit for qualifying payments for PSLF purposes while my account was in forbearance. ( 3 ) I was told that MOHELA had rejected my SAVE repayment plan request. The agent could not explain why the request was rejected, when it was rejected, or why I never received notice that it was rejected. ( 4 ) I was told that MOHELA would re-submit my SAVE repayment application and that it should be processed in about a week. In total, I was on the phone for about 2.5 hours. 

I received a notice from MOHELA dated XX/XX/23 stating that my recent request has been received and is expected to be processed within the next 90 business days. I do not know what request this is referring to, but I assume it is the re-submitted SAVE repayment plan request. 

Finally, on XX/XX/23, I received a response to my XX/XX/23 message to MOHELA stating that MOHELA assumed my inquiry has been handled. 

At this time, I still do not know : ( 1 ) why my account was placed in forbearance ; ( 2 ) when I will have to resume payments ; ( 3 ) how much my payments will be; ( 4 ) why my SAVE repayment plan was rejected ; or ( 5 ) whether my SAVE repayment plan request has been resubmitted.

I would appreciate answers to these questions right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
I went to Title Max to get a title loan for my vehicle on XX/XX/2023 because I had got laid off in XXXX. We agreed on a loan of {$1600.00}. I never was able to pay the loan back, which I let them know because I wasn't hired by anyone. Doing this period of time I became homeless and my family and I was sleeping in the vehicle. They repossessed the vehicle on XX/XX/2023. They kept a business book which has my driver 's license, XXXX card, and my family and I birth certificates. The vehicle has less than XXXX miles and new paint. They claim they sold the vehicle for {$1600.00}. They say I owed {$2600.00}. So I wasn't given any funds back which I know the car is worth every bit of {$15000.00}. Could you please help me with my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received an email from Capital One on XX/XX/2023 informing me that my account was closed. No reason no previous notice nothing. I had {$250.00} in rewards points that I was saving for a rainy day. When I called their customer service team, they thanked me for 11 years of loyalty but stated that they sent a letter to my old mailing address that I never received back in XXXX stating they would close my account if no activity in 3 months. I explained I moved during COVID and that I do all of my correspondence via email why would they mail out a letter of such importance. They didnt care, they didnt offer to reinstate my account and will not give me my {$250.00} in rewards. They are thieves! I spent hard earned money to earn those rewards and every correspondence is email except for this one! What a coincidence!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 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: 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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-14 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: 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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to inform you of a recent development regarding my account with XXXX XXXX, account number XXXX. I have received a letter from XXXX XXXX via the Consumer Financial Protection Bureau ( CFPB ), indicating that they have granted me a one-time courtesy regarding a late payment on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I believe that Wells Fargo was showing that my account was at a negative balance when I, in fact, had money in my account. I also believe this lines up with the current legal action taken against Wells Fargo in regards to their unethical banking practices

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: 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 Account Number:XXXX has violated my rights. Or a list of inquiries : 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 2023-11-14 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: NY

Complaint narrative:
I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I can not have this information in my report, it is negative information, I do not want it under my name anymore. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
This is a persistent issue that has significantly impacted my credit profile, concerning your entity, LVNV Funding LLC, also known as Resurgent Capital Services. 

Upon discovering LVNV Funding LLC 's involvement in my credit history, I was surprised by the lack of prior notification or awareness regarding the reopening of a previously disputed and closed accountan action taken by LVNV Funding LLC. In 2018, when I first became aware of this account, I questioned its legitimacy and requested a signed copy of the contract associated with it. Unfortunately, my inquiries were met with evasive responses, complicated by personal circumstances, leading me to discontinue pursuing the matter. 

It is crucial to note that, although the account was subsequently closed, and the debt was charged off, I consistently disputed its validity with both the credit reporting agencies and the account holder. Despite my efforts, this issue has resurfaced, as LVNV Funding is now actively pursuing the account, reporting it as open and delinquent throughout this period. 

On multiple occasions, I have requested LVNV Funding to provide a signed copy of the contract in accordance with the provisions outlined in Virginia Statute XXXX and the Fair Debt Collection Practices Act ( FDCPA ) Section XXXX. Regrettably, instead of producing the requested documentation, they have responded with a mere screenshot printout of the debt. They also provided a print out of a 2018 contract that is not even signed nor is it the date of when this said account was established. They are fraduantly providing documentation and this does not establish that I personally entered into the contracta central point of contention in this matternor does it specify the origin of the purchases on said account. 

Given LVNV Funding 's failure to substantiate the validity of this debt by providing the necessary documentation, I hereby demand the complete removal and deletion of the said account from my credit report. This request is based on grounds of violations of Virginia Statute, the Fair Credit Reporting Act ( FCRA ), the FDCPA, and potential defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
I am writing to inform you of a recent development regarding my account with XXXX XXXX, account number XXXX. I have received a letter from XXXX XXXX via the Consumer Financial Protection Bureau ( CFPB ), indicating that they have granted me a one-time courtesy regarding a late payment on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
A letter was sent to my sibling in regard to a debt collection attempt. The letter required her signature for delivery. We live at the same address but she is not a listed party in regard to this financial matter and has no involvement whatsoever ; it was an inappropriate sharing of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: NY

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm writing to request that the following items be removed from my credit report. My current credit report has a list of the items I need to be removed. Ive unfortunately been a victim of identity theft and did not request the described inquiries. To improve my credit report, I request that the items be removed. I have a copy of the Federal Trade Commission 's Identity Theft Affidavit included, as well as my allegation of identity theft to the FTC. Please remove the items as quickly as you can. The unauthorized inquiries are : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: TX

Complaint narrative:
On XX/XX/2023 thru auto pay, {$78.00} was deducted from my personal checking account. 

On XX/XX/2023 the same amount {$78.00} was again deducted from my personal bank account. 

On XX/XX/2023 i contact the XXXX company about the issue and they said a credit would be issued to my home bank within XXXX business days. 
A credit was issued on my credit card bill but no credit came to my checking account. 

On XX/XX/2023 i again contacted the credit card company. They stated the check sent to my bank had been returned to the XXXX company because they used an incorrect routing number. They took my correct routing number over the phone and that a new check would be issued immediately. Credit never received at my bank. 

On XXXX XXXXXX/XX/XXXX at XXXX am Central time i called again .Speaking to XXXX XXXX XXXX XXXX XXXX He researched to problem and brought in his XXXX to assist. They did not have an answer for the delay. XXXX said the XXXX would solve the problem issue an epeidited refund to my bank saying i could expect the credit within XXXX hours. 

Today XXXX XXXXXX/XX/2023 i still have not received the credit to my checking account. 
Thus i am making this complaint to 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 monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: UT

Complaint narrative:
My husband and I moved out of an apartment in XXXX XXXX XXXX, Utah, in early XX/XX/XXXX. At that time we were told in writing by the management that we would be liable to pay rent only until the unit was re-rented. We left the apartment in move-in condition by having it professionally cleaned, and there was no damage of any kind when we left it. The apartment was indeed re-rented within the same month. 
In XX/XX/XXXX we were contacted by the apartment 's owner with an indication that the balance of the rent was owing. I responded with their XXXX 's email confirming that we were liable only for the period of time the apartment was unoccupied. That's the last I heard on the matter until recently. 
In XX/XX/XXXX I was contacted by Columbia Debt Recovery LLC, dba Genesis. I followed the response instructions in their email, again forwarding all of the information that supported my claim that not only do I not owe them anything, but they owe me for funds not properly returned. There was no response. 
I received another contact from Genesis on XX/XX/XXXX notifying me of the same debt. I replied yet again in the same manner as before. There was no response. 
I recently received a notice from XXXX XXXX that Genesis has reported this debt to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: 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 Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2023-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I signed papers for a car from XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Indiana, but I never picked the car up. 
I never paid the down payment. 
I never Registered the car. 
I never got the car insured. 
I never drove the car off the lot. 
I let my sales agent know that I no longer wanted the car ( XXXX XXXX ). 
GM Financial is requesting to pick up the car ( that I don't have ) which I voluntarily surrendered and informed them that the car is still at the dealership. 

The dealership is saying that the car is not there and they do not know where their car is. 
GM Financial and I both have been trying to contact the dealership regarding the wear about of the vehicle and they are saying it is not there.

Company response to consumer: Closed with explanation