vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MOHELA
State: VA

Complaint narrative:
I am a student loan borrower who has historically been serviced by XXXX  until recently being switched to MOHELA. 

On XX/XX/XXXX, I applied for the SAVE Income-Driven Repayment ( IDR ) plan on the Federal Student Aid website. My monthly payments under this plan were set to be {$0.00} XXXX XXXX XXXX XXXX 

My loans were transferred to MOHELA in XXXX XXXX XXXX This was a result of being approved for Public Student Loan Forgiveness ( PSLF ). On XX/XX/XXXX, MOHELA charged me {$180.00}. My bill from XXXX said I had a {$0.00} XXXX XXXX XXXX XXXX payment due on XX/XX/XXXX, so I was unsure why I had to pay {$180.00} when my loans were transferred. I called MOHELA on the due date ( XXXX XXXX  to inquire why I was charged when my payments are set to be {$0.00} on the IDR plan I am currently on. The woman I spoke to said she didn't know why, and said she would ask her supervisor. I was on hold for a while longer, to which she said her supervisor didn't know either. I paid the {$180.00} to prevent my account from becoming delinquent. 

I went back to the Federal Student Aid website to recertify my IDR plan on the same day after the phone call XXXX XXXX XXXX thinking that would help. It still says my payments should be {$0.00} each month given my financial status, loan amount, filing status, etc. The IDR has been submitted to MOHELA, but still has not been processed as of XXXX 

The following month, I received another bill for the same amount ( {$180.00} ) with a due date of XXXX I paid it, again, in fear of becoming delinquent. 

Now, I have suddenly been placed into a completely different repayment plan without ANY notification. This repayment plan is called the " Standard/Level '' plan, and makes my payments {$420.00} a month. I did not switch payment plans and have always wanted all my loans to be on the SAVE plan. Today, XX/XX/XXXX, I went ahead and manually submit ANOTHER IDR plan on the Federal Student Aid website, which still says my monthly payments should be XXXX 

On top of all of this, MOHELA has entered my employer 's information incorrectly for PSLF. While I am still actively employed by my employer, my employer has an " end date '' listed in my MOHELA account, meaning the payments that I am making do not count towards PSLF because my employer is not certified correctly. I have never left my job and have always been working here, and do not know why there is an end date listed when I have submitted all the proper forms. Of course I submitted a manual PSLF application ( on XXXX XXXX  to remedy this, but as of XXXX it has not been processed. I have also sent numerous messages on the secure chat center ( on XXXX XXXX XXXX XXXX and have gotten no reply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/year> I had XXXX large transactions totaling {$15000.00} taken out of my checking account. The XXXX, located, in XXXX, posed as the BECU Fraud Department ( they actually called from the Fraud Departments phone number ) and obtained a few key pieces of information so they could transfer money from my savings to my checking and then withdraw it. 

Since that time, BECU ( who I have seen multiple times ) has drug their feet on getting money back and done little to resolve the issue. I have been very clearly taken advantage of, and they are making me wait for up to three months before they decide whether or not to give me back my stolen money. Instead, they have given me a line of credit which I will be charged interest for using. As you can imagine, this has created tremendous stress and financial difficulties. 

Times are hard, and I NEED my money. Any help you can provide in getting my funds back to me would be greatly appreciatedthank you for your time and consideration.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Re : Formal Complaint - Violation of 15 U.S. Code 6802 - Discrimination Concern - Capital One Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding a potential violation of 15 U.S. Code 6802 by Capital One, a financial institution that I have an account with.

As a consumer, I am entitled to privacy protections under this statute, which mandates that financial institutions adhere to specific requirements when disclosing personal information. Section 6802 stipulates that financial institutions may not disclose nonpublic personal information to nonaffiliated third parties unless certain conditions, such as providing proper notice and an opportunity to opt-out, are met.

My concern is twofold : a potential violation of this statute and the consistent misuse of my credit report. I spoke with a manager at Capital One on XX/XX/2024, at XXXX XXXX. Unfortunately, despite my efforts to seek clarity and assistance, the manager refused to provide any help or information.

This refusal to assist has intensified my concerns, leading me to believe there may be a deliberate pattern of negative reporting that goes beyond normal circumstances. Consequently, I feel compelled to bring the issue of potential discrimination to your attention. 

This letter serves as a formal request for your intervention in this matter. I am urging a thorough investigation into the potential violation of 15 U.S. Code 6802. Additionally, I request confirmation as to whether Capital One has complied with the statutory provisions. If a violation is determined, I kindly request that Capital One ceases and desists from reporting any further negative information on my credit reports. 

Given the urgency of this matter, I would appreciate your prompt attention. Furthermore, I insist on a thorough examination of the potential discrimination issues arising from the consistent misuse of my credit report during the investigation. 

I am submitting this complaint electronically for your records. Please acknowledge receipt at your earliest convenience. 

Thank you for your attention to this serious matter. I look forward to your assistance in resolving these concerns. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance I never owned nor had this type of vehicle in my name or possession. I will happily appreciate if this was removed from my 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 explanation
Consumer complaint received 2024-01-17 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This complaint is in regards to a creditor, XXXX XXXX XXXX placing unauthorized inquiries upon my credit profile. I have been trying to reach resolve for over XXXX months, to no avail. I have sent letters demanding that they furnish proof and remove it, only to receive a generic response ( see attachment containing correspondence ). I will mention that, despite sending multiple letters, I only received a response from the company on one occasion-which was several months ago. I also contacted the three major credit reporting agencies, to which they responded that the information will remain on my credit profile-even after I demanded they furnish proof-without either actually furnishing proof within the requested timeframe ( see attachments dated XX/XX/2023 to bureaus ). I will also supply correspondence from the investigation results from credit reporting agencies. They are attempting to allow inaccurate information to remain on my credit, going against my rights to fair and accurate reporting. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: MD

Complaint narrative:
It has been almost 2 months since I originally disputed information on my credit report. I have not received notice of investigation, notice of dispute, or any update to my credit report. Information is inaccurate and needs to be removed from my report. Representatives tell me they will get to my request but nothing happens. This isa direc violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: TX

Complaint narrative:
Recently I was looking at my credit report and was sent into a XXXX XXXX when I saw negative accounts and inquiries being wrongly reported on my credit report. This XXXX is causing problems with my work and I am in desperate need of a new car and I am unable to get one due to these horrible unauthenticated discrepancies that were wrongly verified by the bureaus without my authorization.

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 2024-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
I have been working in public service for the Federal Government since XX/XX/XXXX. I initially served at the Social Security Administration ( SSA ) and later embarked on a near decade-long career at the United States Department of Labor ( DOL ). 

In XXXX of XXXX, I submitted two Public Service Loan Forgiveness ( PSLF ) forms -- one on XX/XX/XXXX for my tenure at DOL and another on XX/XX/XXXX for my service at SSA. Regrettably, the form for XX/XX/XXXX has been erroneously marked as a duplicate, despite being intended for my previous employer. Despite multiple attempts to correct this issue through phone calls and written messages, the problem continues. 

I uploaded the PSLF form and W-2 's for XXXX and XXXX from XXXX again XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. On several occasions I was informed that they would " put in a rework '' for the PSLF form that was incorrectly labeled. To date, my PSLF form for SSA has not been reviewed again. 

I am writing to request your intervention in addressing this matter and ensuring a prompt resolution. The misclassification of the form as a duplicate has negatively impacted my PSLF application, raising concerns about my eligibility and payment count. If reviewed correctly, my payment count will be XXXX of XXXX, which will help me to have XXXX of my XXXX loans forgiven. 

I was initially advised 30 days, then advised 60 days and now it is apparently 90 days. There has not been any representative who has been able to rectify the issue. 

I need MOHELA to review and rework my PSLF form for my previous employer, SSA covering eligible periods of XX/XX/XXXX to XX/XX/XXXX. Several of my previous messages have gone unaddressed and unanswered. Any help would be greatly appreciated. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: MD

Complaint narrative:
My wallet was stolen with all my cards and information from my bag at a gym and I started to see charges I didnt do, I also complained and nobody from XXXX XXXX or discover gave me any options but still had to make payments

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
I implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: IL

Complaint narrative:
My chief complaint is that I am experiencing difficulties with the credit bureaus complying to my request to a ). delete inaccurate information from my credit report, and b ). furnace proof of their investigations into the inaccuracies. To date, there has been no resolution and these companies are in direct violation of my consumer rights. I have submitted a previous complaints over the course of the last 9months and counting, via regular mail, and through the online dispute portals. I have also furnished proof of the multiple inconsistencies reported across my credit reports, yet the credit reporting agencies are affirming that it is verified an accurate ( see attachments ). How is this possible? I have a firm reason to believe they are not doing a thorough job in their investigations, nor are they providing me with evidence of their investigation, which I have requested on multiple occasions. All of these accounts ( XXXX-as reported to XXXX and Equifax ; XXXX and XXXX-reported to XXXX, Equifax, XXXX ) listed in my documentation are reporting inaccurate information to the three credit bureaus which is detrimental to my financial health. 
Previously I have submitted disputes but I am encountering the same results with each bureau either reporting it as verified or unchanged. However, I challenge that as incorrect/not legitimate as it only takes a quick look at the reports, to see that something is amiss. They have a responsibility to report verified, fair and accurate information and they are not doing so. I also reached out to the creditors and they are unable to provide assistance. I did receive correspondence from the bureaus and I will attach it in the attachments section of this complaint form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
I am now trying to update my information with regions Bank on closed account information so they can have the updated addresses for three accounts that I have and they keep giving me a number with a repeating recording that does not provide any information the number that they provide to me is XXXX which does not give me the option to update my address so the letters that they provide on closed accounts to receive the compensation settlement can be directed to the correct address?

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian XX/XX/17 at XXXX. I asked for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative told me that they have to keep those addresses on my report. I asked her where in the law says that Experian can keep nonmailable addresses on my report? She told me that it's just policy. I asked her to transfer me to a supervisor. The supervisor repeats what the first representative stated and hung up the phone without any further questions or concerns. None of the representatives began the call with " this call is being recorded for quality assurance ''. 

I called again XX/XX/17 at XXXX. I asked again for nonmailable addresses on my credit report to be removed which includes XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX The representative said that he removed the XXXX XXXX XXXX XXXX XXXX, TX XXXX address. He also stated that he will not remove XXXX XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX. 

Acccording to 15 USC 1681 section ( b ) it states that " ... ... .consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. '' Experian is not reporting accurate and relevant information on my report which violates 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Repeated calls daily from different phone numbers. I requested they stopped calling me and started to block the phone numbers. They keep calling me from different numbers asking for XXXX different names.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I filed a fraud claim around a month ago. There's a n unrecognized transaction in my account which is not made by me, transfering XXXX XXXX to someone in don't know. But at XXXX the transaction was forced to make through. 
I file claim but it was rejected by Chase today saying it is a verified transaction. But I didn't make the transaction at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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: SC

Complaint narrative:
I AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 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 AM A LIVING PERSON PLEASE DON'T CLOSE OUT MY COMPLAINT WITHOUT FULLY INVESTIGATING. PER THE FCRA AS A FEDERALLY PROTECTED CONSUMER I AM OPTING OUT OF ANY AND ALL AUTHORIZATION. I THE CONSUMER HAVE GIVEN WHETHER VERBAL, WRITTEN OR NON-VERBAL PER 15 USC 1602. I HAVE IDENTIFIED ACCOUNTS ON MY CREDIT THAT ARE RESULTS OF IDENTITY THEFT. THESE ACCOUNTS ARE NOT RELATED TO ANY TRANSACTIONS COMPLETED BY ME. I HAVE READ THAT I HAVE RIGHTS TO HAVE MY INFORMATION BLOCKED AND REMOVED PURSUANT TO 15 USC 1681 c-2. PLEASE HONOR MY REQUEST AND REMOVE THESE ACCOUNTS 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 2024-01-17 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief