vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 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: GA

Complaint narrative:
The US Federal Student loan program has restarted loan collection. The program has been postponed on two fronts. 1 ) COVID Pandemic and 2 ) President XXXX XXXX 's effort to seek loan forgiveness through the legal channels. 

The COVID Pandemic has end and the Presidents efforts were not successful.

The US Department of Education outsourced the collect of the loans to a dot com company Mohela. This is where the issue begins. 

XXXX of 2023 is the month for the billing restart, however Mohela has not mailed any billing notices to the loanees. Normal business practice for almost all businesses is to send a bill showing the account information, payment amount and date due. 

Mohela has intentionally avoided normal billing process. They have have not mailed any billing information. This permits Mohela to force loanees into default status. If you are unaware of the bill, due date, and penalty, then there is a very high percentage chance that you will be leveraged into default for non payment. 

Leveraging loanees into default is a strategy used by the dot com Mohela. It is unethical, and not legal. In a word, it is wrong. 

Mohela has been aware, for most of 2023, that the loan collection restart for the month of XXXX. Mohela stands to make perhaps millions by forcing default. Students on a payment plan which goes into default, loses reduced payment status immediately, and transitions to the highest possible payment scenario. A loan repayment with monthly installments at {$250.00} could instantly become a {$1000.00} or more while in default. The remedy to default is very laborious and should be avoided. 

Mohela is manipulating the default by bypassing the standard procedure of sending out monthly bills at the restart of loan collection. No notice was sent by Mohela, who tries diligently to force you to go online to open an account at their dot com web site. Many loanees do not have access to the web or choose not to use their website. This should not prevent Mohela from sending bills in advance of due dates. 

Mohela 's bypassing of the billing process is highly suspect and most likely illegal. 




# In addition to the complaint category selected there are other categories which also apply including : *Trouble with how payments are being handled *Received bad information about your loan ( no information, incorrect, incomplete, or inaccurate information ) *Need information about your loan balance or loan terms

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 2023-10-15 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:
I am writing to inform you that I have recently been a victim of identity theft. This unfortunate event has led to unauthorized and fraudulent activities on my credit report. I am deeply concerned about the security and accuracy of my personal information under your stewardship. 

In addition, I believe there may have been violations of the following United States Code ( USC ) sections : 1. **42 USC 408** : This statute makes it a felony to misuse Social Security numbers . If my Social Security number was used improperly or without proper authorization, it could potentially indicate a violation of this statute.

2. **15 USC 1602** : Part of the Truth in Lending Act, this statute provides definitions for various terms related to consumer credit. If there was any misrepresentation of credit terms or failure to provide necessary disclosures, it could suggest a violation of this statute.

3. **USC 3-104** : This code defines what constitutes a negotiable instrument. It's unclear how this would apply unless there's an issue with a specific financial instrument involved in the identity theft.

I kindly request that you investigate these matters promptly and take necessary actions to correct any inaccuracies in my credit report due to the identity theft. I also urge you to enhance your security measures to prevent such incidents in the future. 

In addition, I would like to request the deletion of certain items from my credit report that are inaccurate or have been affected by the identity theft.

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 2023-10-16 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: NY

Complaint narrative:
The following account was opened as a result of identity theft and this does not belong to me. This account was opened and used without my verifiable authorization ; incurring late fees. 

XXXX Account # XXXX In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681 Account Name : : XXXX Account # XXXX 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 the following information items. 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.

please close, delete and remove this account from my credit profile as it was opened and used without my authority as a result of identify theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-15 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-10-15 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: AR

Complaint narrative:
I no do not recognize these hard inquiries I also did not authorize them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have asked experian to investigate some inaccuracies on my credit profile, however they told me it is all accurate. I have further decided to exercise my rights and have asked them to prove their investigation and comply with the following requests under the FCRA, 15 USC 1681i ( 5 ) and 15 USC 1681e ( b ) : I demand that Experian provides all necessary communications conducted in order to verify the accuracy of the accounts listed below. This should include the date of communication, the person you spoke to at the debtor 's office, all communication furnished by the debtor, the contract signed under my name, and the authorization to report this on my credit report. Please ensure that all this information was collected after I initially raised my concerns. 

I request that Experian demonstrates that all the timelines align with the date you informed me that the accounts are indeed accurate and that a thorough investigation was conducted. 

I insist that Experian sends all of the aforementioned information to my address on file within the next 15 days of receiving this certified mail. If Experian can not furnish the requested information, I demand that all accounts mentioned below be removed from my credit profile immediately. 

Here are the accounts in question : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX I also request that Experian sends me an updated copy of my credit report or the findings of your thorough investigation, reflecting the necessary corrections in accordance with the FCRA. Timely resolution of these issues is crucial to my financial well-being.

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 2023-10-15 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: TX

Complaint narrative:
Complaint against TransUnion for Failure to Remove Invalidated Items from Consumer Report Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TransUnion, a consumer reporting agency, for their failure to remove invalidated and unverified items from my consumer report, in violation of consumer protection laws. 
These are the accounts that should be removed immediately. 
Company, XXXX XXXX XXXX a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reporting as open. 
Company, XXXX XXXX XXXX XXXX, a collection account showing as open that has not be validated and no contract has been presented to me showing I consented to contract and is reflecting as open. 
Company, XXXX XXXX XXXX, an identity theft report has been filed against them and submitted to Transuion. 

I have submitted disputes regarding these items, but Transuion only responds with Item meets FCRA requirements, but with no details as to who it was verified or validated by or any details about the investigation.

TransUnion has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), which states that consumer reporting agencies must provide accurate and complete information in consumer reports.

TransUnion has failed to conduct a reasonable investigation into the disputed items on my consumer report, as required by Section 611 ( a ) ( 1 ) ( B ) of the FCRA.

TransUnion 's refusal to remove the invalidated items contradicts the provisions of Section 611 ( a ) ( 5 ) ( A ) of the FCRA, which mandates the prompt deletion of inaccurate or unverifiable information.

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 2023-10-15 00:00:00
Product: Prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: MS

Complaint narrative:
On XX/XX/2023 my bank account was hacked for a pending transaction of {$1900.00} to an XXXX XXXX account and I notified my card provider IMMEDIATELY, no less then XXXX hour after the transaction was made, and I was told by Wisely to contact the merchant because there was nothing Wisely could do! I contacted XXXX but because I dont have any accounts with them because this is FRAUD, they have no way of finding the transaction! Prior to this large transaction, there were FOUR {$0.00} transactions for XXXX in which wisely responded oh that just means your card was declined at an XXXX UMM WHAT? Wisely is now telling me itll take XXXX days for them to complete an investigation and until then Im out of almost {$2000.00} and have no way of feeding my children or putting gas in my vehicle to get to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE DISPIUTED THIS ACCOUNT TO DO NEGATIVE INFORMATION ON BUISNESS PROFILE REPORT THIS FROM MY REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am an American Express XXXX card holder and I pay {$5000.00} inannual fees alone for the card and the dreadful customer service associated with it.. I have been an American Express " member '' since 1983. 

I have an additional card on my account. The details of that card were stolen and fraudulent charges appeared on the card. The fraud was reported in a timely manner. The fraud investigation was totally mishandled by American Express and I have still not been reimbursed a total of {$190.00} in fraudulent charges. 

On the first statement on which the fraudulent charges appeared, there was a total of {$390.00} in fraud charges. In the subsequent statement, there was a further {$190.00}. 

Amex originally reimbursed the full {$390.00}, but then did a " fraud credit reversal '' for {$100.00}. When I complained by phone, the fraud credit for {$100.00} was reinstated. On the same call ( XX/XX/XXXX ) I reported the subsequent fraudulent charges of {$190.00}. This report was ignored and I received no further reimbursement from Amex. THIS CALL WAS RECORDED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 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: TOLEDO FINANCE CORPORATION
State: AR

Complaint narrative:
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days

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 2023-10-15 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: OneMain Finance Corporation
State: AR

Complaint narrative:
I do not have no knowledge of these inquiries these hard inquiries involve identify theft that has to be removed no more then 4 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: GA

Complaint narrative:
AGAIN THIS IS NOT MY DEBT : On [ XX/XX/2023 ], I mailed you a letter disputing [ inaccurate and/or incomplete information contained in consumer reports compiled, maintained, and published by you, allegedly concerning regarding the following : ( XXXX XXXX XXXX XXXX ) Accordingly, as per the FCRA, you were required to conduct a reasonable reinvestigation and [ modify or delete ] the disputed information as I requested before the end of the XXXX-day period on the date on which you received my dispute letter. Here, you received my dispute letter on [ XX/XX/2023 ] ; therefore, your response was due on or by [ XX/XX/2023 ] -note : XXXX  days+ ]. Instead of sending me a response letter with the results of your investigation of the disputed information, you mailed me a letter dated [ XX/XX/2023 ], claiming [ XXXX XXXX XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. ] Clearly, you have willfully failed to [ modify or delete ] the disputed information as I have requested. Instead of ( modifying/deleting ) the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because [ IT HAS BEEN VERIFIED ]. However, your excuse or assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous or irrelevant. Nor have you sent me a notice of sud determination that complies with the FCRA. Furthermore, I directly dispute the completeness and/or accuracy of information contained in my consumer file as per the FCRA. Your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX 

As a result of your conduct as described above, you shall promptly [ modify or delete ] the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your [ modification or deletion ] of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of [ XXXX XXXX ]. 

Be advised, this is not another dispute or opportunity for you to reinvestigate a previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law. 
Within [ 14 ] days, ( 1 ) [ modify or delete ] the disputed information as requested. 
Enclosures : my letter dated XX/XX/2023 ; cC : CFPB ; FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
This is regarding an Ann Taylor card by Comenity. Customer service by both was awful. I thought I had paid off my card before going to XXXX XX/XX/XXXX to XX/XX/XXXX. I saw around XX/XX/XXXX that I had to pay XXXX. I paid to my XXXX checking account I am a Private Client and have XXXX in the account. Ann Taylor/Comenity claim the funds were not there. Another time a rep of XXXX said there is no account. There is a chance I typed in a wrong number. My SIM card had changed. Maybe XXXX thought it was fraud as my computer must have shown to be in another country. But I paid other accounts with no problem and did not receive a fraud email. I received a {$25.00} fee that the transaction was rejected, XXXX XXXXXXXX interest on this, another {$25.00} fee on the previous fee and maybe {$1.00} on interest. {$54.00}! for XXXX allegedly not paid. I paid it off in XXXX when I returned and finally closed the card after several attempts to get my money back. 
XXXX HAS NO RECORD OF ANY XXXX TRYING TO GO THROUGH. I think these are bogus charges. They know nothing about customer service as XXXX does, which is the XXXX  XXXX USA bank. Ann Taylor stores close and they don't care if they lose a customer. There is no way XXXX was not in the account. Why charge so much for some glitch or something on purpose they do to steal money. I will not go to a collection agency over this. Please regulate Comenity ( of Bread Financial ) and see if others have the same complaint. I am sure they do!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 XXXX XXXX : # XXXX 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.

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