vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-24 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: CA

Complaint narrative:
My student loan was sold to Mohela, as of XX/XX/year>2024 I had a remaining XXXX days of forbearance on the loan remaining and the loans were in forbearance. I requested a forbearance again prior to XX/XX/year>2024, mohela did not respond and my account does not show that a request was submitted. 

My loans then went into repayment in XXXX despite my request and I began to receive emails from mohela, saying I had to pay or my loans would be past due and be in default. At the same time mohelas automated phone system says that I should be ignoring emailed bills and payment requests if I've requested a forbearance. 

I've now had to pay 3 months so that my credit score is not impacted and loans do not default. Still no response from Mohela, and my loans are in repayment without my consent when they should be in forbearance. 

I've now submitted a 2nd request and will be submitting a 3rd. 

Mohela is taking advantage of the situation and making it impossible to get a forbearance put into place on my account. They are also refusing to correspond regarding it by not acknowledging my request, or communicating regarding it and I'm not the only person to whom this is happening. A quick XXXX search shows that mohela is doing the same thing to others. They are abusing their debtors and taking advantage of them as a student loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital One 's website XXXX XXXX XXXXXXXX says I should be able to follow these instructions : " Sign in to your online account, and select the card you want to close. Click on the I want to button and find Close Account under the " Control Your Card '' section. From here, you'll be guided through how to close your credit card account. '' However, there is no " close account '' option in that menu ( see screenshot ). 
The chatbot is no help. 
I've looked thoroughly & don't find an email address for support. There is only a phone number, meaning I know this will be a one-hour endeavor, during a workday likely, to close my credit card. 
Capital One should make the " Close Account '' button active/available/visible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2024-11-24 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: AZ

Complaint narrative:
15 USC 1692 ( c ) Communication with collection of adebit ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
15 USC 1692 ( c ) Communication with collection of adebit ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
15 USC 1692 ( c ) Communication with collection of adebit ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2024-11-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Was a victim of identity theft. I ask that this be taking care of in XXXX 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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
DEAR XXXX ; CFPB ; SEE ATTACHMENTS. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : 1. Proof of Authorization under 15 U.S.C. 1692e and 1692f.

2. Legal Basis for attempting to collect this debt, including applicable statutes.

3. Proof of Authorization to Operate in my state.

4. Evidence of Alleged Debt, including any contract or agreement bearing my signature.

5. Full Account History, detailing all charges, fees, and payments.

Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records. 
Per the doctrine of estoppel by silence ( XXXX v. XXXX, Mo. XXXX XXXX. XXXX, XXXX ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
I was checking my credit report and noted it has dropped from XXXX to XXXX and when I checked the details I realized someone has taken an aut loan from Toyota moto credit company on my name in XXXX XXXX, IA and possibly XXXX and defaulted. I have never been to any of these cities. I am sure I am a victim of identity theft and I suspect the source is my XXXX company ( XXXX ) which informed me their data including mine has been hacked. I made a dispute with XXXX companies and informed them. I plan to call Toyota credit and letting you know as well. I dont know what else I can do???

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio recovery at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX is listing amt of XXXX in collection written off with all credit agencies. I never received a1099c according to IRS regulations XXXX XXXX over XXXX dollars a 1099c is required so I can pay the taxes. Income isnt reported on credit reports. This is inaccurate info on my credit report and violation of privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Midland Credit Management sued me without my knowledge and got a judgment against me. They sent all paper work to a old address after I moved out.i moved out XX/XX/XXXX of XXXX they filed XX/XX/XXXX well over a yar after I moved out. The new tenants of old address fraudulently signed for certified mail. Every time I have moved I put in a change of address so don't know why it even went there. I have contacted chief of compliance twice about issue but never hear anything back. Guess cause they got a unfair judgment they won't reach out

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: MOHELA
State: GA

Complaint narrative:
I am filing this complaint to report unfair practices by Navient related to my student loans. Since XXXX, I have been diligently paying down my loans without missing a payment until XXXX, despite the overwhelming financial burden these loans have placed on me. 

Here are the key points of my complaint : 1. Lack of Repayment Options : I contacted Navient in XXXX to request a lower monthly payment due to financial hardship. Despite having paid on my loans for over 16 years, they informed me that no options were available. This refusal left me with no choice but to miss payments, which negatively impacted my credit score. 
2. Unreasonable Loan Terms for a Young Borrower : When I was XXXX XXXX XXXX, I signed up for these loans with a co-signer. At the time, I had no education or understanding of student loans and their long-term impact. Navient allowed me to borrow significant amounts without ensuring I was fully informed about repayment obligations or alternative options. 
3. Disproportionate Credit Impact : Despite consistently paying my loans for over a decade, the missed payments in XXXX caused a significant drop in my credit score. I believe this penalty is disproportionate given my payment history and the lack of options provided by Navient. 
4. Financial Strain : Since graduating in XXXX, I have struggled to keep up with payments as high as {$1300.00} per month. These payments have severely affected my ability to meet basic living expenses and achieve financial stability. 

I believe Navient has engaged in predatory practices by failing to provide adequate education to borrowers, refusing reasonable repayment adjustments, and enforcing punitive measures that disproportionately harm borrowers with long payment histories. I am seeking the CFPBs assistance in investigating these practices and ensuring fair treatment for myself and others in similar situations. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: TN

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX TN XXXX I am submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax, specifically in relation to the recent data breach that has compromised the personal information of countless consumers, including myself. Pursuant to the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I request the removal of fraudulent information from my credit report that has resulted from identity theft and fraud. XXXX is legally required to complete this action within four business days of receiving this complaint. *Fraudulent Accounts to be Removed : * XXXX {$12000.00} XXXX Account number : XXXX XXXX  {$2800.00} Account number : XXXX XXXX  : Date : XX/XX/XXXX Account XXXX TN XXXX : Account number XXXX Last reported XX/XX/XXXX balance {$540.00} XXXX XXXX : balance {$960.00} XXXX  ; balance {$540.00} Account number XXXX The accounts listed above are fraudulent and have led to numerous unauthorized hard inquiries and derogatory collections appearing on my FICO credit report. These entries are unequivocally tied to identity theft and are negatively impacting my credit standing. To substantiate my claim, I have enclosed documentation of my FTC Identity Theft Complaints ( XXXX ), which serves as compelling evidence that these accounts, inquiries, and collections are the result of identity theft and fraud. The negligence of Equifax in safe guarding consumer data has enabled identity thieves to exploit my personal information. I expect immediate action to rectify this matter, with acknowledgment of receipt of this complaint and confirmation of the steps being taken to remove the fraudulent information. Failure to comply with this legal obligation will compel me to take further action, including escalation to the CFPB, Federal Trade Commission, and legal avenues available to protect my rights as a consumer. Thank you for your attention to this urgent matter. Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been disputing this information for a long time. I reached out to XXXX and they said they have no knowledge. I reached out to the court that is on the credit file and they said they have no knowledge of any cases with my name or maiden name. They also stated they do not report any information to anyone. 


To whom it may concern : I am writing you with this formal objection of information published and provided by you to XXXX, Experian and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 
You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized METRO2. 
Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with METRO reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all METRO reporting standards. 
Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible accuracy and a maximum " possible '' completeness, which extends Ito the reporting mandates that there be no deviation from METRO Format compliance since, per the XXXX, XXXX XXXX " Any deviation from these standards jeopardizes the integrity of the data ''. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal laws.

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 2024-11-24 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: MI

Complaint narrative:
So I checked my credit report and seen a few inaccuracies on my credit report such as accounts XXXX that was opened XX/XX/year> and Also XXXX that was opened XXXX XXXX, I made reports and also have proof that these dont belong to me this is effecting my credit score pretty bad and I feel that is not fair at all.Can you guys please remove this fraudulent accounts off my credit report thanks and I also have proof.

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 2024-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I noticed that a XXXX withdrawal was made on XX/XX/year> from my XXXX XXXX account. The information I found online was a withdrawal slip with the incorrect name listed. I called Custer service, 2 different times, to file a dispute. Was told I had to go to the bank to file a dispute since it was ran as a check withdrawal but the picture clearly states this is not a check. Asked what bank that this withdrawal took place and they could not tell me that. You have to go into a branch to get this information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-24 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: NC

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulently accounts on my credit report. Please remove these accounts, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 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: Portfolio Recovery Associates, LLC
State: IL

Complaint narrative:
I sent in my ftc report there is a fraudulent account portfolio recovery on my XXXX report XXXX has not removed the account please remove account asap this does not belong to me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2024-11-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
Bank of America charges a " maintenance fee '' every month you don't have a minimum account balance of {$500.00} in savings. I had {$500.00} in my savings account and was still charged a fee.

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 2024-11-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: PA

Complaint narrative:
Vance and Huffman Llc at XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX is reporting on my credit report to XXXX and XXXX a debt for XXXX dollars acquired by XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX. Income isnt reported on credit reports this acct was written off I was not issued a 1099 c from either company according to IRS regulations 6050p amts over 600 dollars company is required to issue 1099 c so I can pay taxes. This is a violation of privacy act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Notice of Demand and Deposition This company illegally rescinded in a mortgage transaction it has no right to do according to Federal and the state of Florida. Their illegal action, violation to the right set forth by the Truth in Lending Act ( TILA ) and lack of caused {$350000.00} in damages of which Rocket Mortgage owes to the victim, XXXX XXXX XXXX, in tacit procurement.

Company response to consumer: Closed with explanation