vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Have submitted several disputes via Trans Service Center online and have remained unsuccessful. 

Ive now had the original creditors state that theyve requested TransUnion remove derogatory information and inaccurate reporting from file and still unsuccessful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: MA

Complaint narrative:
My son called on my behalf and informed Chime that the account in question was opened without my consent and we suspect fraudulent activity. They told my son he would need to have me provide proof of my identity to proceed, but I do not feel comfortable giving a tech company I never heard of, and claims NOT to be a bank, my personal information. Upon my refusal they said they could not assist with the closing of the account unless I provided proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Commenting Bank/Victoria is reporting an account as closed, also they are no longer the debtor. This same account is reporting as a collections. Under the FCRA, this is a violation and misuse of credit reporting. This account has not been properly verified. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: UT

Complaint narrative:
In early XX/XX/XXXXXXXX  I checked the status of my loans, which I do at least monthly and discovered that a paid off loan ( # XXXX ) had reappeared as active and at its original loan amount. Additionally, my two remaining accurate active loans ( # XXXX ) ballooned up in the amount owed. Looking further, the ballooned loan totals were because MOHELA removed my XXXX  electronic transfer payments from between XX/XX/XXXX and XX/XX/XXXX. These payments were visible in the MOHELA loan app the week prior. 

I contacted MOHELA on XX/XX/XXXX. They found my payments deep in their system and confirmed that although the payments were received and processed the credit was not applied to my account anymore ( causing the ballooned loan totals for the accurate-active two loans [ XXXX ] ). MOHELA also confirmed that their system shows complete pay off of the erroneously active loan ( # XXXX ), despite it being active and requirement payment again. They sent me a copy of the payoff letter for loan XXXX, as well as a few other previously paid off loans. 

On XX/XX/XXXX a resolutions rep looked at the XXXX XXXX XXXX XXXX XXXX and confirmed that MOHELA failed to notify the system of my loan payments in full. Therefore the national system is also not accurate. 

Since my initial call MOHELA has put erroneous loan ( # XXXX ) and accurate active loans ( # XXXX ) in payment ( federal injunction should have placed the accurate active loans on forbearance and the erroneous loan shouldn't exist ). Therefore, I am accruing interest and requiring payment on falsely inflated loan totals and I'm being forced to pay ( or be delinquent ) on a loan I paid off long ago. MOHELA is effectively stealing from me and risking negative affects to my credit and taxes. 

I've spoke to MOHELA on XXXX XXXX XXXX XXXX XXXX and XX/XX/XXXX without resolution. They continue to tell me 7-14 days for full resolution without results. I've waited over 8 hours on hold during these times, costing me at my full-time employment. I would like to receive an accurate pay off total for the two accurately active loans and proof of full payment on all other loans. Additionally, I would like MOHELA to confirm that they have notified the National Student Loan Data System of my payment fulfillment and that they have notified my major credit bureaus of my fulfillment and loan closures. 

MOHELA 's negligence ( or worse ) in handling my loans is financially costing me directly in payments and potentially costing me through the negative affects of the impacts to my credit score and taxes. I've attempted to provide the information and reminders to MOHELA for them to remedy the issues and they fail to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: IN

Complaint narrative:
I already have one complaint filed. My loans were changed from XXXX XXXX to Mohela in XXXX. With XXXX XXXX  I was approved for a XXXX dollar payment for 12 months on the save plan. When I got moved over to Mohela they changed my payment to XXXX dollars. After numerous attempts of calling to get to a supervisor, I finally was told to upload my letter of approval and that they would fix it. I called again on XX/XX/XXXX to check on the status and was told by a rep that If I reapply he can fix it that day. I say great I give them all my tax information that they needed and he said I was approved for the save plan with a XXXX dollar payment. I was told this will take time for processing and to watch to make sure its processed before my forbearance runs out. I get an email on XX/XX/XXXX that my IDR was approved. I login to pull up letter and the payment shows XXXX dollars instead of the zero I was told it would be by the supervisor I spoke with in XXXX and the representative I spoke with in XXXX. With XXXX XXXX  it was XXXX a month based off my same tax info and I had two billing cycles. Before I was switched to mohela and the payment amount was the correct XXXX a month. I have been running in circles with mohela for months now trying to get this fixed and they are not taking care of their errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: RentDebt Automated Collections, LLC
State: AL

Complaint narrative:
On or about XX/XX/XXXX the leasing agent XXXX told me in person that I did not owe a balance to XXXX XXXX and that I would receive a security deposit of {$520.00}. She said that they had went through my records of payments and found that I did not owe anything and would receive a security deposit check in the mail. I received a phone call on XX/XX/XXXX from RentDebt Automated Collections telling me I owed a collection bill in the amount of {$400.00} to XXXX XXXX for account number XXXX. I also received a bill in the mail for the amount of {$400.00} from RentDebt Automated Collections. I called to speak with the regional property manager XXXX XXXX about the balance owed and the conversation I had with XXXX and she told me XXXX was new to the job and didn't understand what she was doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have attempted to dispute the XXXX XXXX account several times with Equifax, XXXX and XXXX XXXX  as Not opened by me and Not belonging to me. I requested the Origional Signed Contract from XXXX XXXX  and they have refused to provide it. I have requested that Equifax and XXXX Delete this account because XXXX XXXX  has refused to validate this account by sending me the Origional contract. Equifax and XXXX refuse to delete this account and continue violating federal law by reporting un -validated account information. The dates of dispute are as follows. 
EQUIFAX- 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 2024-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
XXXX XXXX, FL XXXX You have to call or go into the store to cancel your internet-TV service. You can't email them or go to the website to do it but you can activate a new account that way. That in itself should be changed. So I cancelled my service on XX/XX/XXXX via a phone call to customer service. It showed cancelled in the billing on XXXX on their account page. Then somehow was reactivated on XXXX after I sent all the equipment back via XXXX then next day XXXX. I called and cancelled again in XXXX and he said the account wasn't showing cancelled, SO again I cancelled it. I received another bill, and called again and was told to ignore it as it wasn't showing the credit of the equipment yet. Then on XX/XX/XXXX I posted to the billing support group who advised me to go to the chat feature about it and no result. 
Months later I started receiving collection calls, This is all for {$100.00} and as I told them during the 3 calls I made to XXXX  I am not about to pay for something I didn't even have access to as I had returned the equipment and had no access to the service after XXXX. 
Now another collection agent Easter Account System of Connecticut is trying to again collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: FC HoldCo LLC
State: TX

Complaint narrative:
I didnt know hard inquiries works and I noticed that my credit keeps on going down and down so I asked a friend to help. We noticed that some companies repeated multiple times on my credit on auto loans that I didnt applied for and when I called them they said they couldnt help at all. Im a XXXX XXXX and Im Barely home. Some stuffs that I noticed on my credits are not from me at all

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 2024-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX Fifth Third Bank NA, contacted me by phone and told me that I had reached the point in my loan to have the PMI dropped from my loan. They told me all I had to do was provide a written statement requesting the removal. I provided that within the hour, and have received two notices from Fifth Third since ( one dated XX/XX/XXXX and the other XX/XX/XXXX ), that state " The owner of your mortgage loan, XXXXXXXX XXXX XXXX XXXX has determined that it can not cancel your PMI at this time using the information it has. '' They aren't going off the original assed value of my home and are telling me I have to pay {$500.00} for a new assed value before they can make that determination. I have gone to the local branch in XXXX XXXX and met with their Mortgage Loan Originator and have continued to be in contact with him since. He has stated that he can see on my account that I am at the point on my mortgage loan that the PMI can be dropped. Fifth Third is refusing to drop the PMI as they are legally responsible and required to do. Instead they are refusing to drop it, taking more of my money and trying to force a {$500.00} new assessment of my home on to me. I had also provided the tax documentation from my county that shows the taxable value of my home to show that the value has increased not decreased. I want my PMI removed from my loan and the reimbursement of the PMI I have paid since XX/XX/XXXX which is the date Fifth Third Bank contacted me first and told me it could be dropped due to where I was at with the XXXX ratio of my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-05 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. According to the Fair Credit Reporting Act, Section 611 of the FCRA you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that Under the FCRA 15 U.S.C & 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts or provide testimony and certification that you are adhering to mandated XXXX XXXX data formatted reporting standards according to regulations.The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and or standards and must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Continental Finance Company, LLC
State: WI

Complaint narrative:
I filed an investigation dispute request through the credit report agency XXXX about the inaccuracies listed under this credit account. But your company fail to comply and did nothing to correct these errors. Stating that the information was verified as accurate, which is 100 % not true. Your company has now violated my consumer rights under the Fair Credit Reporting Act Section 623 and 15 U.S.C. Section 1681s-2 Responsibilities of furnishers of information to consumer credit reporting agencies. The date closed does not match up with the payment rating history on my XXXX credit report and the payment rating is also missing for XXXX  ( Please See Attachments )

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2024 XXXX XXXX XXXX came to my business to get a service. He agreed and XXXX  {$200.00} to me. I provided the service for him. After that he called his bank to dispute. My BOA did a favor for him by refunded {$200.00} back to him without talking to me. He was scammed and fraud. I called my bank n talked with BOA digital fraud department, they said the transaction was completed, nothing they can do. I am a BOA loyal customer for XXXX yrs. They refunded my money back to him without talking to me, they treated me like no one. Thats totally wrong. Would you help me reopen the case n investigate. I am attachment zelle documents to you Thank you My name XXXX XXXX My email : XXXX My phone : XXXX My claim # 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 2024-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FlexShopper, Inc
State: FL

Complaint narrative:
The company advertises the same as cash price. They will lend you the money to purchase an item. Then they deduct the amount out of your checking account for the 90 days. I was fine with that, and when I continued seeing the money deducted from my account. I was told that it was just a payment that they take from your account, and you have to pay extra to pay it off before 90 days. After 90 days they charge you 65 % of the loan amount. This is fraudulent. Nowhere in the XXXX should a XXXX rate be legal. What are the payments for, and why take any money out of my account if it is not enough to pay off the loan in 90 days? The payment amount they took out of my account weekly I figured would cover the loan amount in the 90 days. They did not take enough out weekly to allow them to charge this 65 % interest rate. Never did they notify me, and stated the 90 days are near and you will owe the interest 65 % rate. The agreement is deceptive and fraudulent. My original loan was for XXXX, and they were taking out {$83.00} every week. Now because the loan did not get paid off in 90 days. I will have to pay an additional $ XXXX called the company and was given some poor excuse on how they handle the loan. They do not contact you, the advertisement of 90 days same as cash is not clear. The amount they take out of your account not stated that it will not cover you loan an amount. Even if it was 65 % interest amount how can you charge that on a balance that has been decreased from the original amount of the loan. 90 days I would have had a balance of {$600.00} or less. The 65 % will still be an extremely abnormal interest rate. They have the employees in the stores promote this and then customers are scammed into this loan agreement. I could have purchased this on my credit card and never paid that much interest. 
My original Loan was XX/XX/year> Company Flexshopper, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I need the hard Inquiries off my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: IL

Complaint narrative:
I've noticed around XXXX XXXX that my Experian credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with Experian as I just had to place a credit freeze with all XXXX bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.

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 2024-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
Me and my wife have been trying to get a loan modification with them while we get back on our feet since summer of XXXX ( XXXX to be exact ) and we are going on to almost a year now of us calling them multiple times monthly on recorded phone calls where we turned in to them the documents they needed multiple times a month through the phone, the online website, physical mailed copies to them and a bunch of emails that we sent to them with the documents. They always tell us that they didnt receive the documents or some are missing, the stories they tell us always change and its been going on for 9-10 months now and it got so bad that me and my wife got into so much debt because of them not being cooperative, so we got the VA involved in XXXX so that they can maybe help us out and reach out to the bank that owns our house and they also have not been cooperative with the Department Of Veteran Affairs Loan Technician person that was helping us out, she ( Va loan technician ) told us that they gave them multiple deadlines to reach out to them and us and they just ignore her and the VA, So the VA contacted me and told me to Report them to the CFPB since they have not been responsive and willing to continue the forbearance/ loan modification program with both the VA and myself. We are in need of help if this continues any longer I will lose my lively hood and everything that I own, I urge this department for help!

Company response to consumer: Closed with explanation