vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-26 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: CO

Complaint narrative:
I received a backdated email from MOHELA on XXXX that my account was put into administrative forbearance, which I did not request -- email dated XXXX. The forbearance noted is from XXXX to XXXXXXXX 

I had scheduled my expected payment for XXXXXXXX which was posted and processed by MOHLEA, but my account remains in this administrative forbearance and the processed payment is not listed in my PSLF payment tracker. 

I called on XXXX and waited for 3 total hours on hold. The MOHELA rep I spoke with said the admin forbearance was applied to my account erroneously and that they would take me out of the forbearance. This was quoted to take 3-5 business days and that my account should update appropriately so I can make a XXXX payment that will count toward PSLF. My completed XXXX payment should also count toward PSLF, since it was successfully processed. I was disconnected from the rep at the end of our conversation and I didn't have any paper trail to confirm that the changes were actually noted in my account. 

I called back on XXXXXXXX  to confirm that the admin forbearance was truly removed from my account, since it was still noted that my account is in forbearance after several business days. I waited 2.5 hours on hold to speak with a rep. The rep confirmed that the request to remove the admin forbearance was noted on my account and that it could take up to 7 business days from the date of the request to display in my account. They encouraged me to call back by Thursday, XXXXXXXX  if the forbearance was still listed in my account. 

Today, XXXX my account is STILL listed in forbearance with the same end date of XXXX. I am currently waiting on hold to speak with another MOHELA rep ( 40 min in ) and I assume they're also going to give me different information.

I was successfully transferred to a SAVE plan from my previous REPAYE plan in XX/XX/. I was on REPAYE much ahead of the pandemic and do not want or need any recalculation of my payments. I am prepared to restart repayment and expect to make my payments as normal, but I can not due to this erroneous forbearance.

I did not have any active applications for recalculation or PSLF counts in process. My account should not have been placed into forbearance and now I'm suffering consequences of having money debited from my account while the payments are not counting toward forgiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: NY

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my XXXX XXXX, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: ME

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: ME

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning a collections account that has been severely impacting my credit report and causing me significant stress and financial difficulties. The collections account in question is identified as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX '' and I have no knowledge of its origin or legitimacy. Despite my continuous efforts to rectify this situation with the credit bureaus, the issue persists. I became aware of the collections account " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX when I reviewed my credit report. This account had a substantially adverse impact on my credit score, and I was completely unaware of its existence. The presence of this account has made it exceedingly challenging for me to secure favorable financing terms, obtain credit, and pursue my financial goals. I am writing to seek the CFPB 's intervention in resolving this issue. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as I have not received sufficient verification of the debt 's legitimacy, and the collections account is unfairly damaging my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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:
I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: TX

Complaint narrative:
I had a previous CFPB complaint with XXXX XXXX regarding the account interest being unaffordable. In good faith I took their advice to set up a payment arrangement and made the first payment. XXXX XXXX  is reporting derogatory remarks to my account from two different reporting names and also. Not reflecting my payments or balance decreases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FREEDOM FINANCIAL NETWORK
State: KY

Complaint narrative:
I was contacted by achieve.com for a potential loan refinance. With the loan the loan XXXX suggested, I would be able to pay off several credit cards, saving me interest and lowering my monthly payments by around {$300.00}. I was asked for my income and I provided it and my wife 's income. We were told that we were approved. They then asked us to send them our income documents to verify our income sources which isn't a problem. My wife and I both work regular jobs but also work for our church. 

We provided our paystubs for our regular jobs and a XXXX for my ministerial income as I am the pastor. My wife explained that she could provide our bank statements for proof of our church income. We were also asked to provide our taxes for proof of the church income. We provided all of these items as requested. The loan servicer then said that the church income documents were not good enough. Mind you, we have gotten loans from other places by providing just the bank statements showing regular deposits from our church income. 

We were asked to provide a letter from the church that listed out the checks, the dates and other requested information for verification purposes. We had the church treasurer prepare this letter and we provided the letter. We do not receive paystubs from the church only our checks and a XXXX at the end of the year. We were told a short time later that we were denied for our loan. 

I contacted our loan servicer back and expressed my concern with their ability to verify my church income and asked why it was being scrutinized so heavy. I explained that we had not had issues having it verified at other lenders. We were told that it was due to their verification policies. I told them that I believed that they were treating my verification unfairly based on the fact that it is income derived from a religious source. I was told that several underwriters are utilized so they don't believe that it is the case. 

The loan XXXX then said that he would see about having the loan reviewed again. I requested that I be able to speak to a supervisor and receive the response in writing from the underwriter. That was XX/XX/2023. I have now heard nothing from achieve.com since then. I was told on XX/XX/2023 that it would be the next day and I would hear something. I have called the loan XXXX and have not received any return call. 

I am convinced that they are avoiding speaking with me and denied my loan because I discovered that they have a bias against religious income sources. They are treating the verification unfairly in comparison with my other income and they used this verification to determine if I would receive a loan from them. No one should have to have their income from religious sources scrutinized and treated unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I graduated from XXXX XXXX XXXX XXXX  with a XXXX XXXX  in XXXX XXXX in XXXX of XXXX. I have two federal student loans of {$20.00} that were taken out for this degree. I previously had taken out additional federal student loans to attend law school from XXXX to XXXX. I started to make payments in XXXX of XXXX  on my law student loans. However, my student loan servicer aidVantage informed me in XX/XX/XXXX that my XXXX loans were now due as well because their records indicated that I was no longer a student since early XXXX of XXXX. This is not true. I was enrolled all the way through my dissertation and graduation in XXXX of XXXX. I wrote to them and emailed them about this mistake. I also contacted my school, and they went ahead and made sure the records reflected that I was still an active student. After a few weeks, aidVantage saw the mistake and corrected the error and place when as an XXXX  XXXX. I thought that was the end of the problem. Unfortunately, this issue was brought up again this month. 

In early XXXX, I received a change in my monthly student loan charge without explanation. It turns out that aidVantage went ahead and once again said that my deferment was over since " their records '' indicated that I left school in XXXX of XXXX and that my XXXX loan payments were not due. I contacted them by phone but to no avail. I emailed them and got no response. Finally, I wrote them a letter that included my transcripts showing that I recently graduated, and I included the past emails earlier in XXXX showing that this mistake had been clarify. Again, I received no response. Due to the short time and lack of explanation, I went ahead and made a payment on this new student loan amount to protect my credit score. 

I received an email on XX/XX/XXXX, from aidVantage stating that they were responding to my email and instead of apologizing or asking for documents to correct they basically restated the same incorrect information ignoring the evidence and facts I and the school had provided them. They ask me to contact the school and for them to update records. In short, the people working at aidVantage either did not review my case or simply decided that they are in the right and want to collect regardless of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written inructions 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 2023-10-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase bank continued to increase the limit on my credit card without my permission or knowledge. At the same time they increased my interest rate to a very high interest rate over 25 %. They did this without knowing my financial position. Based on what I make, I could never make these payments and now I can not make payments, the bank will not reduce my interest rate or balance. I have been unable to pay. I did not understand what they were doing until it was to late and now they are not willing to help or correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26 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: RI

Complaint narrative:
I am writing to formally dispute and request corrections for inaccuracies in my credit report, as maintained by TransUnion. On XX/XX/XXXX, I contacted TransUnion regarding the following incorrect information on my credit report, and as of the date of this letter, I have not received any response from them. The details of the inaccurate information and the required corrections are as follows : Account with the name " XXXX XXXX '' ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$12000.00} ) is not mine. I kindly request the removal of this account from my credit report. 


The account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$10000.00} ) requires examination due to incorrect reporting. The Balance of {$10000.00} that TransUnion reports appears to be higher than the balance I remember. Additionally, your agency has marked this account as closed, and as such, the Past Due amount should not be provided. I intend to address this issue with the creditor directly, but I request that TransUnion reports the account as disputed while I work towards a resolution. 


The account identified as " XXXX XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$390.00} ) contains inaccuracies in your reporting. The reported balance of {$390.00} is incorrect, and I believe it should be a lower amount. Furthermore, the Past Due amount should not be included, as this account is closed and charged-off. I request that you mark this account as disputed while I resolve the dispute with the creditor. Additionally, I require verification of the Date Opened, Date of Status, and Date of First Reported for this account. 


The information presented for the account " XXXX '' ( Date Opened : XX/XX/XXXX, Balance : {$9100.00} ) is also inaccurate. The original creditor on this account is a different company, " XXXX XXXX XXXX, '' than the one TransUnion indicates. The reported balance of {$9100.00} is higher than what I believe I owe. I dispute this account and request verification of the Date Opened and Date of First Delinquency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 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: GA

Complaint narrative:
XXXX has repeatedly reported that XXXX XXXX is verifying a bankruptcy on my file. Yet XXXX XXXX has repeatedly advised me their company is NOT verifying that incorrect information and provided me a copy of my report that DOES NOT contain any bankruptcies. The bankruptcy should be removed from my 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 explanation
Consumer complaint received 2023-10-26 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: IL

Complaint narrative:
I've provided all essential documentation and I urgently request a detailed review of this situation. These unauthorized inquiries on my credit report are a source of great concern for me. I hope you can swiftly address and rectify this matter, given its importance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 explanation
Consumer complaint received 2023-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: LA

Complaint narrative:
My credit score has jumped up XXXX points putting my credit report XXXX XXXXXXXX they dropped it down to XXXX, this is fraudulent because XXXX never contacted me to confirm that the debt was mine. I have never heard of the company, never had a contract with the company and I need these derogatory statements off of my credit. this is using XXXX of law to discriminate against consumers. Also the name that the debt collectors is using is copywritten and they are violating copyright infringement law.

Company response to consumer: Closed with non-monetary relief