vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 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 have worked for the State of Wisconsin for more than 6.5 years and I have been properly enrolled in PSLF for that entire time, updating my income and certifying my employment annually. I recertified my employer every year even though my agency has not changed. I was already enrolled in an IDR plan for that entire time, as well. 

Mohela removed me from the IDR plan I had been in. Somehow my application was submitted for an incorrect IDR plan, all I wanted was the same. It went through the US Dept of Ed only to be denied by Mohela in XXXX. Mohela then put me into a level payment plan rather than defaulting to my previous plan. The level payment plan makes me ineligible for PSLF! I immediately submitted a second application through the Dept of Ed for the correct IDF plan ( I certainly hope ) and Mohela has been sitting on that application since XXXX. Nothing has been updated. I have received no bill. Everything still shows I am ineligible for PSLF now because I am in the wrong plan. I called Mohela on XX/XX/23 and they put me in administrative forbearance but are charging me 6.8 % interest while they catch up on doing their job and I have no assurance XXXX will count towards my remaining payments. 

If my original application had been processed timely, or if my loans had defaulted to the previous, correct payment plan, everything would be fine. But none of that has happened. On the website it still shows my application is processing and the level payment plan. I have not received a bill at all, but right now, that bill would be wrong because Mohela hasn't processed my payment plan application they've had since XXXX. It should have been so easy to update my previous plan. The Dept of Ed and Mohela both had access to my IRS info. My employer has not changed. My address did not change. Nothing. This should have been so simple - but somehow Mohela has XXXX everything up completely. Was this not the company suing the federal government so they could start collecting these loans? They now say 'unprecedented ' but they knew how many loans they agreed to service and didn't invest in the staff to process them. This is all on Mohela. 

It is unclear to me why every PSLF applicant MUST use this company. The first thing they have done for me is erroneously make me ineligible for the PSLF program I have been in for 6.5 years and now refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: IL

Complaint narrative:
On XX/XX/2023 I tried to log into my online savings account ending in XXXX with Laurel Road Bank and discovered that my account was locked. When I called to find out why I was told because of suspicious activity. I asked what and they told me they didn't have that informaton at the time. It took a few days, but finally they responded that there had been attempts to access the account from multiple locations that weren't our home and that there also were deposits that came from unknown sources. I explained that I was on vacation in different locations in XXXX when the log in attempts were made. We eventually determined that the so called unknown sources for the deposits were in fact made from my home computer by my husband from the same bank that was used to transfer the funds to originally set up the account. We were asked to submit proof of all of this and completed this task by around XX/XX/XXXX or XXXX. Laurel Road acknowledged that they had all the information needed for thier fraud department and I was told the account should be released in a few days. We now have been told that the account should be unlocked in a few days XXXX or more times and still our money is being held XXXX. They have approximately {$23000.00} of our money and we can't pay our bills until the money is released. They don't seem to know why the process is taking so long since they have everything they need to clear our account, it just isn't happening. In addition to all of our issues, we keep receiving promises that people will call us back and that never happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WA

Complaint narrative:
My cash app is telling me my account is still restricted but from the company 's reply to my last complaint there sayings it's been reinstated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: NC

Complaint narrative:
Transunion are reporting the lowest possible score to banks and lenders. Such as words like derogatory, garnishment, repossession, too many delinquent accounts. None of which is true. 
No garnishments No delinquency No reposession They boldly highlight a bankruptcy that was result of fraud by XXXX causing extreme financial stress. 

They continue to show Government Residences year after year as a debt owed when they owe me!!! Must be removed immediately. My bank denied me credit as a result of this malicious and inaccurate report My credit score with XXXX is almostvXXXX a dc with Transunion only XXXX!!!!! This needs to be corrected right away. They are showing the worst report to lenders with inaccurate information about me!!!! Has ton stop!!!

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have been unlawfully tricked into paying a debit that credit collection service did not legally own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$220.00} XXXX XXXX {$1400.00} XXXX XXXX {$480.00} XXXX XXXX XXXX  {$0.00} XXXX XXXX {$10000.00}

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( Original Creditor : XXXX XXXX ) Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Collection {$220.00} XXXX Collection {$1400.00} XXXX Charge-off {$480.00} XXXX XXXX  Charge-off {$0.00} XXXX Charge-off {$10000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am deeply disappointed by your failure to provide documented proof of compliance with reporting standards and consumer laws, which is a significant deficiency. I demand the immediate deletion of this flawed and inaccurate report, or else legal action will be taken for the non compliance with the relevant legal requirements. 

( Original Creditor : XXXX XXXX ) Collection {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Collection {$220.00} XXXX Collection {$1400.00} XXXX  Charge-off {$480.00} XXXX XXXX Charge-off {$0.00} XXXX Charge-off {$10000.00}

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 2023-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/2023 the NJ court officer requested funds to be held on my personal checking account be held on a very old past debt. These funds are protected by law as they were my unemployment benefits which have since been depleted. I have attempted by phone, fax & mail to have these funds be released back to me and no one is assisting

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-11-01 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: NY

Complaint narrative:
Experian has complete False information on my credit report addresses phone numbers Spouse. They also had a Hard inquiry from chase on my report that was fraud 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 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 Under dispute Resident type Spouse or co-applicant XXXX  Under dispute Personal statements ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. 
To change or remove this statement requires special assistance and can not be processed online. Please contact us at ( XXXX ) XXXX so we may better assist you. 
Add personal statement Names For your protection, names are typically not disputable online. Please for assistance. 
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 2023-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: LendingPoint Holdings LLC
State: PA

Complaint narrative:
Requested a personal loan through them. They asked for my banking login to make deposits and i was told to send the money back to them. My bank placed a 6 day hold on the deposits and when i called and told them that, they said they would handle it. Today, i was unable to log into my XXXX account and i called them and they said my account was closed due to fraud. I tried calling the number back and lending point asked for my name. I told them you got my account closed due to fraud and they hung up on me and then proceeded to block my number. I called from a private line and it keeps ringing and no one will answer. This was a scam all along and they need not to do business with anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
On XX/XX/11 i made a deposit into my account & went about my day the last time i personally used my card was XX/XX/11 @ a XXXX XXXX XXXX not sure if i left my phone & card in the store but they were misplaced once I accessed my wells fargo accounts i seen {$2700.00} had been sent out with XXXX  XXXX  to a XXXX XXXX  once i saw this I immediately disputed every charge with this name i have used XXXX XXXX before but never in my life with a XXXX XXXX apparently they believe i authroized these payments but that is 100 % false

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 2023-11-01 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: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. I am a victim of XXXX data breach 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above. 
2. Provide me with written confirmation of the results of your investigation. 
3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights. 
4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made. 
6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have been XXXX most of my life and never went to college. At some point, my identity was stolen and used for several different accounts. I recently received a copy of my credit reports, and I have open debt with Navient for {$19000.00}. I have mo knowledge of the debt since I have never taken out any student loans. I have attached a copy of Police report and included my Identity Theft Report # from the FTC : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
On or around XX/XX/2023, my mother, XXXX XXXX XXXX, had her mortgage transferred from XXXX XXXX XXXX XXXX to XXXX XXXX. As the Power of Attorney for my incapacitated and non-verbal mother, I had previously provided the Power of Attorney documentation to XXXX XXXX XXXX XXXX. However, it appears that this document did not transfer to XXXX XXXX during the mortgage transition. 

When I contacted XXXX XXXX  on XX/XX/2023, to discuss my mother 's loan, I was informed that I was considered an unauthorized caller and was instructed to email them the Power of Attorney document, even though they had received the loan information from XXXX XXXX XXXX XXXX. 

Subsequently, on XX/XX/2023, when I reached out to XXXX XXXX for assistance with my mother 's loan, I was again informed that I was an unauthorized caller, despite having submitted the Power of Attorney document on XX/XX/2023. 

Furthermore, on XX/XX/2023, I discovered that a payment made and initially posted on XX/XX/2023, was inexplicably reversed. When I contacted XXXX XXXX on that day to inquire about the payment reversal, I was initially informed that I was only authorized as a 3rd Party caller, and my ability to make account changes was limited, even though the Power of Attorney document was on file. Additionally, the representative was unable to provide a clear explanation for the reversal and suggested I contact the payment financial institution for clarification. 

After the call, I obtained proof of payment indicating that the payment had indeed cleared on XX/XX/2023. However, when I revisited my online account with XXXX XXXX, I observed that the payment was still marked as reversed. When I called XXXX XXXX on XX/XX/2023, to address this issue, a representative promised to escalate the matter but unexpectedly disconnected the call after approximately 30 minutes on hold. Consequently, I had to make another payment online on XX/XX/2023. 

Most recently, on XX/XX/2023, my attempt to make an online payment was met with a message stating that the loan did not exist. This recurring pattern of issues has raised concerns that XXXX XXXX may be engaged in deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: AL

Complaint narrative:
The company denied my application for a credit line for credit report discrepancies on XX/XX/2023 and other multiple occasions. Pursuant to the Truth in Lending Act, I should be allotted the same opportunity as someone with a perfect credit score. Pursuant to the Federal Reserve Act Section 16, in no event shall the amount applied for using collateral security be less than the amount requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Global Lending Services LLC
State: TX

Complaint narrative:
XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 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: Westlake Services, LLC
State: TX

Complaint narrative:
XX/XX/27 I looked at my credit file I called the companies and was told that information reported on my file is accurate but I never applied for anything. I explained I never made those inquiries. So I called the credit bureaus and was told to make a complaint with ftc.

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