vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 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: NE

Complaint narrative:
I had contacted my student loan servicer MOHELA on XX/XX/XXXX and requested a full refund on all student loan payments that I had made during the COVID-19 payment pause. This would have been on my consolidation loan ( subsidized and unsubsidized ) and would have totaled {$4200.00} ( {$1200.00} & {$2900.00} respectively ). I was told that this could take up to six weeks to process, which I acknowledged and understood. 
I called MOHELA on XX/XX/XXXX to inquire as to the status of my refund, and was told that it was still processing, but there was no problem. As per usual procedure, I verified my address, phone number, and email address. 
After not receiving my refund for nearly four months, I called MOHELA again on XX/XX/XXXX and spoke with XXXX ( employee number XXXX ), who said that there was an issue with my address being incorrect, even though she verified that she had the correct address on file. Apparently this resulted in my refund check not being sent to me. I informed her that I had received other correspondence from MOHELA, and this was beyond frustrating. It seemed completely unfair and possibly criminal that they were withholding my refund from me, and I requested that this be corrected immediately. The end result of the call was that I would have my refund check in XXXX weeks ( XX/XX/XXXX ). 
Today is XX/XX/XXXX, and I have received a financial activity summary, as well as a normal payment statement from MOHELA, but I have not received my refund check. 
Is there something the Consumer Financial Protection Bureau can do to help me with this case? I just want this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
So I got a car approved through credit acceptance and I ended up going to XXXX. When I was released I had no car. I found out the car was stolen and wrecked. I later found out some towing company had it and wanted me to pay over XXXX just to get it out. Later found out it was auctioned and yet credit acceptance knew and kept wanting me to pay

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 2024-01-08 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: MO

Complaint narrative:
Experian notified me through there website that 2 disputes are ready to view but like all the others when you click on it they say not available so you must call and I did. The XXXX XXXX  speaking person said they want my whole social security number, WHY NOT JUST THE LAST 4 SO I TELL HIM I AM ALSO RECORDING LIKE THEM AND HE HANGS UP

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 2024-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: MI

Complaint narrative:
I have called the company several times to let them know that this debt is past the statute of limitations account and Jefferson Capital LLC is using unfair collection practices in which the representatives have completely ignored and stated this is a collectable debt in which it is not. the representatives have rude and condescending to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: AR

Complaint narrative:
The credit bureaus TransUnion, XXXX, and XXXX continue to share inconsistent and incorrect information on my consumer credit reports even a recent investigation and re-investigation of the same accounts. They said that everything was accurate and in fact it is not accurate. This is a clear violation of my rights and causing undue stress on myself and my family because we are being denied credit for essential products and services. The inaccurate information is noted by red arrows in the uploaded documents. XXXXXXXX XXXX XXXX XXXX XXXX XXXX and 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 2024-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I contacted the Branch Office at OneMain Financial in XXXX to discuss why my account online is showing a total due of {$2.00}, but a 60-day past due notice was reported to the credit bureaus. I was advised a balance of {$63.00} was left in XXXX but I made a payment in XXXX for {$180.00} dollars but that was not reported as a payment. The Branch Manager advised it was something she could do and that the total payoff amount would be sent to me, but my account online still does not show the amount that is due. The Branch Manager advised that I will need to make a phone call every time to determine how much is still owed on the loan. The office was never able to provide a complete account summary of the total amount that was paid on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
upon reviewing my credit file i notice that there were two credit cards established in my name with bank of america and XXXX after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I

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 2024-01-08 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: EdFinancial Services
State: TX

Complaint narrative:
I was one of many borrowers getting ready to address the payback period of the post covid student loan relief period. During my conversations with my servicer, Edfinancial Services. 

On XX/XX/XXXX, I submitted a general forbearance request online. On XX/XX/XXXX, I called in to check the status of it, since I was told this could take some time. During the XXXX call, the representative I spoke with educated me about the XXXX transition period. During that conversation, it was discussed that I would be wasting my general forbearance time, when the XXXX transition period is available to me, I could leverage that period until XX/XX/XXXX, and then apply for a general forbearance if need be. It was during that call that I made the request to go ahead and cancel my general forbearance request and leverage instead the XXXX transition period, which I did not need to apply for and would be automatically applied to my account. 

The problem came into play when I come to find out XX/XX/XXXX that my account still went into a general forbearance instead of the XXXX transition period that I discussed and verbally spoke to the prior representative I wanted to take advantage of. I called Edfinancial Services on XX/XX/XXXX to inquire what happened. The representative informed me that I was in fact on a general forbearance and that the request to cancel it was still in process. This request to cancel my general forbearance was made XX/XX/XXXX and to date, still has not been processed, 76 days ago... 

During that timeframe, the forbearance request I had submitted online on XX/XX/XXXX, that was supposed to have been canceled so I could take advantage of the XXXX program, was actually approved without my knowledge on XX/XX/XXXX, a total of 74 days. The impact to me are that : - The program I was supposed to be placed on, the XXXX Transition Period, never occurred per the conversation I had with my student loan servicer, something they confirmed would occur ; - The general forbearance I canceled in order to save that time, per my discussion with a rep from my student loan servicer, was in fact not canceled and still approved 40 days later after my call to cancel the request, and as a result, I am wasting general forbearance time that I should not have had to use due to the actions of my servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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:
XXXX XXXX XXXX removed the account and transunion has not yet removed the account as of XXXX XXXX. i will attatch a file stating that XXXX removed from all credit files but transunion has not yet removed the file.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC.
State: MN

Complaint narrative:
I transferred funds from my savings, then they restricted my account and requested documents. I sent in documents, and my account is still restricted and funds on hold. It has been a month, and I'm still unable to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 non-monetary relief
Consumer complaint received 2024-01-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I do not recognize these credit inquiries. I have asked Transunion and XXXX to delete these inquiries but the bureaus did not do as I asked. I am providing an Identity theft report and I am asking that you remove these inquiries. These inquiries are inaccurate and are not mine. I demand that these inquiries be removed from my credit report.

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 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was gifted XXXX XXXX XXXX gift card by my employer on XX/XX/2023. I can see the card was purchased the day prior on XX/XX/2023 of {$500.00} each. On XX/XX/XXXX I was able to use one of the cards just once and have not been able to since I have tried both online and in store and no luck. There is a balance of {$350.00} on one card and {$500.00} on the other that I am unable to use I have tried XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX and all declined. I called customer service and they advised me that maybe there is not enough funds but I stated there is more than enough ( {$850.00} ) and they said they can not help me. The representative then came back and said it was due to their security measures on the card... I then asked him why wouldn't the card work online ( where most websites ask for the security code and expiration date ) and he responded use the card somewhere else. These XXXX XXXX prepaid gift cards clearly state they can be used anywhere XXXX XXXX is accepted but this is false and they are defrauding consumers and putting out FALSE advertising. All of the retailers I attempted to use these cards through all accept XXXX XXXX but the cards didn't work and customer service couldn't not assist or give an answer as to why the cards are not working ... after being put on hold on and off for an hour, he then came back and said he would give a check refund for both cards and took my name, email and address down. He stated I would get an email in 2-3 business days to complete the steps but I have not received anything. Now when I try to call to check the balance on the cards, it states there is an issue with the cards ... This is {$1000.00} they are holding... I filed a complaint through the state and XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NH

Complaint narrative:
On XX/XX/XXXX my XXXX account was hacked and {$5000.00} were transferred to a fraudulent linked account. After contacting the Credit Union immediately they said they will reimburse the money right away until the investigation was completed. The money was never deposited. After numerous phone calls to the fraud department and hour on hold we were given the run around and we still have not received the money. They said we needed to wait 10 days, we are now at 15 days and no response from 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 explanation
Consumer complaint received 2024-01-08 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: SC

Complaint narrative:
I attended a work event in XXXX of XXXX  where our purses and wallets were stolen by hired event staff. Police reports were made. I begin to monitor my credit report in XX/XX/XXXX, and I have noticed accounts being reported to my report that I have no affiliation with or knowledge of. I began to research the creditors. I contacted the CRA ( Experian, XXXX, XXXX ) requesting that these accounts be verified in XXXX. After 2 correspondences via mail and phone, non-verifiable accounts are still being reported to my credit profile. Furnishing this information to profile is in violation of 15 USC 1681B. Not once have I given any written permission or consent for these accounts to be reported to my profile nor did I have any knowledge of them. These accounts with creditors listed : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX XXXX. I have never had any accounts with. Furthermore furnishing accounts to my profile resulting from identity theft violates 15 USC 1681 C-2. These accounts are affecting my credit preventing me from accessing any new lines of credit.

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 2024-01-08 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: SLM CORPORATION
State: GA

Complaint narrative:
Sallie Mae Bank did a Hard Inquiry with XXXX without my approval or knowledge. I did not reach out to them because I saw a myriad of negative posts regarding their existence. They appear to be illegitimate and unsavory. Ive since placed a Credit Freeze and Fraud Alert with all three ( 3 ) credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: CA

Complaint narrative:
On XX/XX/2024 at XXXX I spoke to XXXX XXXX at Rent Debt Collections. On my credit report is a collection report for over {$36000.00}. There is also an address in Georgia listed on my personal information. Per XXXX this is a rental home in Georgia. I have lived in California my entire life. I have lived in my home in XXXX XXXX, California for XXXX XXXX years. I do not know this address. I have never rented a home in Georgia. XXXX told me he would be sending me a packet of information which I would need to file. He told me I need to report this to my local police department which I will do today. I have already spoken to XXXX. XXXX at XXXX told me I would need to file a police report and make a report to ftc.gov. My credit has been locked for years. I am not sure how someone was able to rent a home in my name when my credit was locked.

This came about as I bought a new car this week end and when the dealer ran a credit report my credit score had dropped XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CT

Complaint narrative:
Once Mohela became my loan servicer in early to XXXX, I submitted all documents required to ensure that I was on top of my loan and that they had the current information required. This included of course updated contact information, but also verification from my employer ( US Dept of Housing and Urban Development ) to demonstrate that I am a federal/public sector employee and will qualify for the public service loan forgiveness program ( PSLF ). I never heard anything back from Mohela. 

I then submitted my first income-driven repayment application for the fiscal year XXXX on XX/XX/XXXX and heard NOTHING back. 

I submitted the same again on XX/XX/XXXX and heard nothing back. 

After 2-3 months in late XXXX of receiving bills with wildly inaccurate amounts, which reflected both that the loans had not been consolidated during the loan transfer to the servicer AND that IDR had not been applied, Mohela itself XXXX out my balance, froze interest accrual, and then said payments would be due in XX/XX/XXXX. AFTER I was notified of this, Mohela canceled the IDR document I submitted XX/XX/XXXX with no explanation. 

As of now, they have ( 1 ) DENIED the original IDR document submitted XX/XX/XXXX with no explanation or notification ; ( 2 ) resumed billing to the originally very accurate and very high amount, AND are charging interest AND claim that I am past due. 

I have tried to contact them via phone and email and can not get through on the phone or get a response. 

At this stage, since I can not get an accurate billing statement and this is potentially affecting my credit rating, I am considering legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
on XX/XX/XXXX I made XXXX seperate payments to XXXX different credit cards for XXXX dollars each on XX/XX/XXXX, each XXXX  company sent me an email that my bank rejected the payments. i immediately contacted Wells Fargo to get information, they acknowledged the error was on there part and sent letters to the effect of the error. XXXX the XXXX i recieve notification from XXXX of my long standing credit cards they closed my account due to an XXXX, the rejected payment from my bank and have listed me as a high risk due to the XXXX. I applied for financing on the XXXX of XX/XX/XXXX and recieved a instant rreply of declined with a response negative payment history due to nsf, the creditor was the bank that just closed my other credit card. SO Wells Fargo has caused me to lose my Credit Card, had me lableed as a high risk and had me declined credit due to there negligence. plus cost me nsf fee with credit card company..

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 2024-01-08 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: Westlake Services, LLC
State: GA

Complaint narrative:
Company removed from XXXX credit file but did not remove from my XXXX XXXX was notified with a letter from westlake portfolio management but XXXX said they were never notified.

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