vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-10 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: OH

Complaint narrative:
My student loans were services by FedLoans for the PSLF program. I started working a qualifying employer in XXXX but them switched an began working for a state government agency in XX/XX/XXXX consistently. At that time I had finished my XXXX XXXX XXXX degree and was starting my XXXX  program. I spoke with FedLoan regarding the process for the PSLF program and if I would begin making payments on my loan at the time I started working for the state would those payments count. I spoke with 2 different representatives and both informed me that my payments would not count because I would have to consolidate all of my loans prior to starting my PSLF. So they kept my payments in in-school deferrment while I attained my XXXX. I continued to work for State Agencies throughout that time and finished my XXXX  program in XXXX. I then consolidaeted my loans and began my PSLF program. Each year since XXXX, I have submitted my PSLF certification and it reflects my time from XXXX but none of the time counts due to it not being in payment status even though I asked repeatedly if this time would count and was given false information. 

I also have inquired about the months of XX/XX/XXXX and XX/XX/XXXX, as these payment were not counted towards my forgiveness time even though I made payments these month. For XX/XX/XXXX, it states no bill was due at that time, but there was and I made my payment that month. For XX/XX/XXXX, On the system it reflects that my employment was not certified even though they have the applications and have approved my employment during his time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: CA

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. 

XXXX. Account name : XXXX XXXX XXXX, ( Closed Account ) XXXX. Account name : XXXX, XXXX Closed Account ) XXXXAccount name : XXXX XXXX, ( Hard Inquiry ) 4.Account name : XXXX XXXX ( Hard Inquiry ) XXXX name : XXXX XXXX, ( Hard Inquiry ) 6.Account name : XXXX  XXXX XXXX, ( Hard Inquiry ) 7.Account name : XXXX XXXX XXXX, ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXX XXXX XXXX ( collection ) 11.Account name : XXXX  XXXX XXXX collection ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-10 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: Experian Information Solutions Inc.
State: CA

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. 

XXXX. Account name XXXX XXXX XXXX XXXX ( Closed Account ) XXXX. Account name : XXXX  XXXX Closed Account ) 3.Account name : XXXX XXXX, ( XXXX XXXX ) 4.Account name : XXXX XXXX, ( Hard Inquiry ) 5.Account name : XXXX  XXXX, ( Hard Inquiry ) XXXXAccount name : XXXX XXXXXXXX XXXX, ( Hard Inquiry ) XXXX name : XXXX XXXX XXXX  ( Hard Inquiry ) 8.Account name : XXXX, ( Hard Inquiry ) 9.Account name : XXXX XXXX, ( collection ) 10.Account name : XXXXXXXX XXXX XXXX  ( collection ) 11.Account name : XXXX XXXXXXXX XXXX collection ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccuracies are preventing me from providing housing, transportation, and other living means for my family. I am taking all of the necessary steps to fix my report and would like some support from the CFPB.

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 2023-10-10 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: MI

Complaint narrative:
On XXXX XXXX XXXX I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in XXXX XXXX  Trans Union Corp.XXXX XXXX XXXX XXXX XXXX XXXX, 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-10-10 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: FL

Complaint narrative:
back in XX/XX/2023 I disputed an account that popped up on my credit file after I went to tmobile to activate a phone number. I called XXXX to ask why were they now adding it on my credit file when it has been 3 years since I left the company and I have yet to receive any documents from them. The collection agency name is XXXX. XXXX XXXX. 

Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is ABSOLUTE RESOLUTIONS Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is XXXX XXXX XXXX XXXX  Back in XX/XX/2023 I disputed a few accounts that are on my credit file that were verified incorrectly. I sent in a few dispute letters and nothing were done about the situation. Ive asked for the original documents but never received anything in back. the account in question is 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 2023-10-10 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: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
I paid for XXXX student loan payment in XXXX. I set up autopay and when I did this, they said it wouldn't apply until XXXX, so I paid early. When I paid, I received confirmation that my next payment was due XXXX. They just took another payment out and overdrafted my account, and there is no way to get in contact with them. They do not answer their customer service line. People state online that it happened to them too, and it can take months to receive the refund. I feel helpless to do anything about this & it's criminal!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
Last time, I did file a complaint and I did receive a replacement card. I used it to buy another card but AMEX gift card. It worked until I did try XXXX and XXXX. Here although I did use it previously at XXXX, this time, the same card was denied. It was also denied at XXXX then it worked at XXXX. As you will read if I don't use XXXX, ... I may not have opportunity to use my remaining balance. Who to blame I don't know? they say new security system does not allow them to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berlin-Wheeler, Inc. (Kansas)
State: CA

Complaint narrative:
I have already talked to this company four times and I have already disputed this once and they put it back I have already explained that I have never heard of XXXX XXXX that I have only ever lived in California I got my identity stolen about 2 years ago now and that is around the time this cox account was open they keep trying to tell me that there is nothing they can do I do not believe it is fair for me to pay something that was never mine to begin with as well as be told that I am lieing about where I live

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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:
Made an online request XXXX to change payment plan from traditional payment plan to the graduated extended plan. My payment on the traditional plan is {$500.00} which I can not afford. The graduated extended plan would be an estimated payment of {$160.00}. As of XX/XX/ my payment plan change request was still processing. I attempted to call Mohela to see if I could correct this, the wait time was over an hour. I sent them an online message with this request XX/XX/ which still has not been answered. On XXXX I attempted to call them again as my payment was now past due, after waiting on hold for an hour. I got a junior representative to answer I explained my issue and she told me she would have to transfer me to a senior representative as she could not assist me with this issue. She put me on hold to transfer me, and then the automated system stated that their office was now closed. After my failed phone call I got online and submitted another payment change request. Today XX/XX/23 my wife is still on hold with them after XXXX hours and XXXX minutes. After XXXX hour XXXX minutes she had a junior representative answer and tell her the same thing I was told on Friday. They have transferred her and told her it should only be a XXXX minute wait when she was transferred the automated system stated the wait time was XXXX minutes. She has now been on hold nearly an hour with no end in site. In the meantime I am still in limbo with a late payment and interest rapidly growing while we wait on hold with no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RS Clark and Associates, Inc.
State: GA

Complaint narrative:
They continue to state i owe them {$69.00} for a rental agreement that was paid off on XXXX XXXX which i have proof of payment. They will not remove it despite the multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On my Capital One Platinum Credit card ( closed as of XXXX ) I am enrolled in a hardship plan. 

Things are very difficult right now economically as I'm sure you are well aware. I'm trying my best and making a good faith effort, but it's tough. 

I entered into a 3 month payment plan ( see attached image ) with a monthly payment of {$120.00} On XX/XX/XXXX I made that automatic payment and was immediately charged a {$40.00} Past Due fee. ( see attached image ).

I was confused and realized it had to be some mistake, as I have entered into the payment plan. I acknowledge that interest fees still apply. But I WAS NOT LATE with my payment. 

I contacted support and they informed me that even though I am on a payment play IT IS NOT THE MINIMUM PAYMENT! 

That I would be charged a {$40.00} fee for PAYING THE 'HARDSHIP PLAN ' amount and NOT ADDING IN THE EXTRA. 

So that even though I'm enrolled in the plan, at the amount that they offered, they will charge me {$40.00} a billing cycle because it is NOT THE MINIMUM PAYMENT. Effectively keeping me trapped and charging me more and more I ask how is this not some type of fraud and deceptive behavior? How is this predatory behavior allowed to exist? 

This needs to be fixed and I need some resolution and help here because this is NOT RIGHT. 

I acknowledge that my credit situation is less than optimal ( medical reasons ). And I am attempting to get the ship righted. 

But how can ANYONE, with such obvious deception and predatory tactics, hope to get financially 'out-of-the-hole ' when Capital One is using 'bait and switch ' behavior on those trying to do the right thing? 

I need a resolution to this so that my agreed upon amount isn't being hit with 'late fees '.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
Called to find out where to send form for exemption and was given the wrong email address. Had to locate correct email address on my own. 

Submitted Homestead Exemption early in 2023. Received letter stating to wait for an update once document has been worked. 

Resubmitted Homestead Exemption on XX/XX/XXXX. Received the same letter in the mail with no update, before or since. 

Have used mortgage companies messaging system to submit request for update twice. Both requests were closed with no updates or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: FL

Complaint narrative:
I had fraudulent transactions on my wells fargo checking account and initiated a dispute for fraud. Wells Fargo said the investigator would call me, and they lied and never did. Instead they closed the dispute. They violated XXXX XXXX, XXXX fraud liability, and nacha. 

They are trying to XXXX me out of {$12000.00}. 

If it cant be resolved here, i will file a lawsuit which would qualify for treble damages for violating 15 U.S.C. 1693a ( 12 ), 15 U.S.C. 1693f ( c ), and 15 U.S.C. 1693g ( b )

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 2023-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Truist Bank is refusing to refund any numerous overdraft fees posted to my account due to their lack of discretion on overdraft protection and my refusal to participate in this program in accordance with FDIC regulation. Truist Bank has disclosed to me that they avoid federal regulation by authorizing all transactions and choosing to charge fees on recurring and ACH transactions after the one time purchases and withdrawal amounts have cleared. Truist Bank willing practices harmful, dishonest, and predatory banking.

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 2023-10-10 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: NY

Complaint narrative:
I'm looking to change my repayment plan to something more affordable for monthly payments. I have applied for the XXXX  repayment program through Mohela. My account is not up to date, there is a message that the change is " processing '' for an indefinite amount of time, and I can not reach Mohela for customer support. 

If it's going to take months ( and it seems it is ) for them to process my application, then I'd like to be placed in forbearance until they have completed it. This way I'm not paying a monthly charge that does not accommodate my current and up-to-date situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 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: PA

Complaint narrative:
Frankly XXXXXXXX XXXX Dear CFPB, Please see attached files For months I have submitted complaints to XXXXExperian regarding fraudulent items on my credit report and for months they have ignored my requests to remove these items. These are NOT transaction made by me as a consumer yet XXXX/Experian keeps treating them as such. They have not completed a thorough investigation of my complaint. They have made lazy inquiries into my complaints to the creditors of the fraudulent items allowing them to say that they are " verified '' without providing ANY proof whatsoever as to how they verified them. They haven't provided any written documents signed by me. They havent been given any consent by me to report any items to my credit report. They just continue to allow these items which I have deemed fraudulent to continue to appear on my credit report. I have submitted multiple identity theft reports that have been ignored. My consumer rights have been violated. By law any item that I have deemed as identity theft shall be removed within 4 days of receipt of this letter. I would like for the items listed in the attached documents to be removed immediately. I look forward to your response.

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 2023-10-10 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: LA

Complaint narrative:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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