vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 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: WA

Complaint narrative:
I am filing this formal complaint against Mohela for their gross negligence, inefficiency, and failure to properly manage my student loan account, which has caused significant distress and financial mismanagement on my part. 

During my XXXX  XXXX bankruptcy plan, when my loans were transferred from XXXX XXXX, Mohela failed to follow up or provide the necessary documentation to ensure a smooth transition. Furthermore, they have repeatedly failed to retain or furnish any records related to my loans prior to XXXX, including essential promissory notes and other loan documentation. This failure to maintain accurate records constitutes a severe breach of their responsibilities as a federal student loan servicer. 

Mohelas handling of my account has been unprofessional and negligent, placing an undue burden on me as the borrower. Their lack of transparency and failure to meet the standards of service expected of a federal loan servicer has caused significant frustration and financial complications.

Given these issues, I am requesting the Consumer Financial Protection Bureau investigate Mohelas actions and take necessary corrective measures to ensure that my loans are reassigned to a servicer that upholds the required standards of transparency, accountability, and professionalism.

I trust that the CFPB will address this matter swiftly and take appropriate action to protect borrowers like myself from further harm due to Mohelas mismanagement.

Thank you for your attention to this serious issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IL

Complaint narrative:
I am writing to dispute the unauthorized furnishing of my personal credit information by your CREDIT BUREAU. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this CREDIT BUREAU is violating my consumer rights and not protecting me as an American Consumer according to the stated laws. This is my XXXX notice to this BUREAU notifying you guys that these listed accounts were opened fraudulently. My information isnt protected, and this credit bureau isnt honoring my identity theft claim. Ive started legal litigation and will be suing this CREDIT BUREAU ; this company did not honor my rights or acknowledge my supporting documents regarding identity theft. These accounts were open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, I am suing for my rights being violated, pain and suffering, false allegations from this CREDIT BUREAU, and assisting to furnish a wrong, and fraudulent accounts. I demanded these accounts be removed, and my legal rights, and laws be honored, and this CREDIT BUREAU DIDNT HONOR MY CONSUMER RIGHTS. THIS ACT IS PUNISHABLE BY LAW BECAUSE THIS CREDIT BUREAR IS ADDING AND ASSISTING IN AGGRAVATED IDENTITY THEFT. 


THESE PEOPLE CREATED FAKE DOCUMENTS TO OPEN AND OBTAIN CREDIT CARDS, LOANS AND LEASES IN MY NAME. THESE INDIVIDUALS OBTAINED MY INFORMATION FROM MY ENTIRE WALLET BEING STOLEN, EVER SINCE THEN THESE CRIMINALS HAVE BEEN USING MY IDENTITY INFOROMATION TO OPEN UP CREDIT CARD ACCOUNTS AND CAR LOAN ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MA

Complaint narrative:
On Saturday XX/XX/XXXX, I contacted Discover Financial Services regarding my outstanding credit card balance. During this conversation, I requested three things : 1. A copy of the cardmember agreement. 
2. A settlement offer for 25 % of the total outstanding balance.

3. Proof of debt beyond just statements, which would include a detailed breakdown of the debt and any related fees.

The supervisor I spoke to rejected my request for a settlement without providing any explanation, simply stating, No. They did, however, agree to send me the cardmember agreement.

When I requested proof of debt, the supervisor argued that the monthly statements constituted sufficient proof of debt and that my payments on the account implied my acceptance of the debt. I explained that I only continued making payments to protect my credit score, not as an acknowledgment of the debts accuracy.

Additionally, I was told that Discover would only consider a settlement if my account were to go 120+ days delinquent or if the account were to be sent to a law office. I find this approach unreasonable as it encourages customers to deliberately default on their debts, which would harm their credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: IL

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 confidentially under 15 USC 1681. 

acct. name XXXX XXXX XXXX ACCT. # XXXX XXXX XXXX XXXX # XXXX ONLINE INFORMATION SER # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: VA

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance. TransUnion is not complying. XXXX LOAN PAID OFF

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 2024-09-07 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: VA

Complaint narrative:
15 U.S. Code 1681n - Civil liability for willful noncompliance. TransUnion is not complying. XXXX LOAN PAID OFF

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 2024-09-07 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: Ava Finance, Inc
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with XXXX XXXX. The details are as follows : Account Name : XXXX XXXX  Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XXXX XXXX XXXX  Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXXXXXX XXXX XXXX   This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by XXXX XXXX is inaccurate, and despite my formal dispute, it has not been properly verified.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: DE

Complaint narrative:
I am filing a formal complaint regarding an inaccurate item listed on my credit report for a credit card account with CB Indigo. The details are as follows : Account Name : CB Indigo Balance : {$590.00} ( reported as over the credit limit of {$300.00} ) Account Opened : XX/XX/XXXX Reported Past Due : {$240.00}, with 120+ days late Date Reported : XX/XX/XXXX This account is currently marked as 120+ days late, and there is also an over-limit balance being reported, which has negatively impacted my credit score. I have previously disputed this account, and it is noted on my report that the account information is disputed by the consumer. However, the creditor has failed to provide sufficient verification of this debt and continues to report incorrect information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, I have the right to dispute inaccurate or unverifiable information. The information reported by CB Indigo is inaccurate, and despite my formal dispute, it has not been properly verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the 6 letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my 6th notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My 7th notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
XX/XX/XXXX Window purchase agreement executed with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX Window purchase posts on Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX Installation failed inspection of XXXX XXXX XXXX XXXX XXXX XXXX 
XX/XX/XXXX Chargeback dispute filed with Synchrony Bank/Lowe 's Reward Credit Card XXXX 
XX/XX/XXXX XXXX filed with Illinois Attorney General on failed warranties. 
XX/XX/XXXX XXXX XXXXLowe 's agrees verbally/written to compromise on dispute. 
XX/XX/XXXX XXXX is Lowe 's will stop fight if Synchrony posts {$5500.00} chargeback credit. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card posts {$5500.00} chargeback credit. 
XX/XX/XXXX Sent XXXX XXXXLowe 's an email that credit posted and dispute is resolved. 
XX/XX/XXXX XXXX XXXXLowe 's sent email accepting chargeback and stopping all work. 
XX/XX/XXXX Synchrony Bank/Lowe 's Reward Credit Card sent a chargeback reversal. 
XX/XX/XXXX Re-opened dispute with Synchrony Bank stating the case should be closed because XXXX XXXX 's accepted the resolution agreement. The credit card dispute began XX/XX/XXXX and the dispute has aged well beyond 60 or 90 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 monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year> I called XXXX Customer Service to inquire about two charges in my bank account that I did not recognize. The alleged customer service representative said he would find out where the charges were generated. However, this was not a legitimate XXXX XXXX. He proceeded to ask me questions to locate where the charges originated. He told me that I was being charged a subscription to XXXX by someone using my account to watch XXXX. Of course, I was very upset and at that point was willing to work with him to clarify the matter. He, all along was gathering information to scam me out of XXXX dollars with a fee of XXXX. He abruptly hung up on me. I knew at that point he had scammed me and contacted both my bank and PayPal to alert them and to retrieve my stolen money. 
His transaction ID is XXXX His alleged name XXXX XXXX His email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX  was one of the most stressful days of my life. You probably get a lot of complaints but i truly believe this one needs to seriously be looked into considering on how reputable credit karma is and how many of us Americans use it.On XXXX of this year, I had moved all of my money over to credit karma savings as they provided a high yield compared to others. I was in the process of getting a house and they were unable to provide proper documentation needed for the purchase of the home which almost cost me to lose this house. Luckily my lender was really nice and worked really hard to try to get the information needed through other venues being that credit karma was unhelpful, unprofessional and just plain did not have the tools that they're supposed to have to be able to show where funds are sourcing from. Fast forward to about two weeks later, someone had tried to hack into my credit karma account and changed its password, i was unable to see my credit karma activity at all, my email got subscription bombed which forced me to create a new email. Also had to freeze my accounts and lock my credit cards. All my money was in credit karma, i called them over 20 times over the course of 12 hours on that day and no one helped me up to this day. I got hung up on on 90 % of the calls, they werent even able to provide me with balance, transactions made ( considering that they were threatening me to close the account due to many transactions when i only made 4 and i have 6 transactions per month on that account without repercussions ), or even basic trouble shooting for the account. All they said was " you will receive a call within 5 business days with a solution '' when someone was trying to rob my account AT THAT MOMENT AND I NEEDED IMMMEADIATE ASSSISTANCE. They " froze '' the account, however i was able to withdraw all my funds from the account when thats wasnt supposed to happen. Up to this day, no one got back to me, luckily i was able to withdraw my money with my account being frozen but credit karma money needs to seriously be investigated. They are such a reputable company that literally provides ZERO assistance if your account gets hacked or even if your money is in risk of getting stolen. No money got stolen from me as luckily i got up extra early that day and was able to act quickly before this ended in tragedy. This could happen to anyone and end very bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: MD

Complaint narrative:
I recently check my credit report and there was erroneous and fraudulent accounts and addresses on my credit report. The XXXX  of XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX. I filed a police report and a report with identitytheft.gov

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 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: TX

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Fraud in the mortgage process - refusal to reinstate the mortgage- I am making a complaint about Select portfolio servicings refusal to remove my home from the public and private foreclosure listings even though it has been almost 2 weeks since they were paid the full amount of the reinstatement amt - arrears- {$30000.00}.

This is fraudulent and in bad faith on your part.

They were the ones that sent the figure for us to pay in order to reinstate the mortgage but they have refused to do so reneging and breaching the agreement. My home is still listed as under foreclosure, pre-foreclosure on XXXX, XXXX. It is unconscionable for them to continue to list it as still under foreclosure and pre-foreclosure when they have been paid the full reinstatement amount that they requested. 
This is fraud and intentional and negligent infliction of emotional distress that they are causing. It is a breach of contract and duty to use good faith in your dealings with us.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation