vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 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: MD

Complaint narrative:
Mohela has given me the runaround on the XXXX program. I contacted them at least a year and a half ago to see what my eligibility was when XXXX XXXX opened up the program and they began processing my student loans. Having worked at a XXXX XXXX non-profit since XXXX, I qualified for the program and in XX/XX/XXXX they verified XXXX out of XXXX qualifying payments. 

The tally sat at XXXX for months despite qualifying payments racking up on the Mohela website, lacking only certification of my employment. At that point, I followed up and was told it just took time to process. 

After not seeing any progress or hearing any updates from them, I called back again to check on it and this time was told I needed to resubmit the paperwork to verify that my employment hadn't changed. Despite the inconvenience in having to go back to my supervisor to get her signature again, I did so and uploaded the signed form to their website. 

It's now been XXXX months since I resubmitted the paperwork, but they started sending me notifications that I needed to start paying my student loans again, all of which should be completely forgiven. I called again to see why my employment still hadn't been certified and was told it was because they couldn't accept a digital signature from my employer, which they never bothered to relay after I submitted it. So now I'm forced to go back to my employer yet again to either have her physically sign a document that will hopefully be accepted or sign up for the XXXX help tool so it can be done digitally. 

These unnecessary obstacles seemed designed to wear down borrowers, making people so tired of jumping through hoops that they simply give up and make payments they don't need to make out of sheer exhaustion and fear of being dinged on their credit. It's unacceptable, unscrupulous, and I believe intentional. It should be simple to verify the place of employment for those with student loans. 

Rather than getting relief from inherently predatory loans designed to keep people shackled to them for decades, I and many others in the same boat have simply been rerouted to what appears to be another predatory lender. Instead of acting in good faith to carry out what the current administration required, Mohela has opted to use shady business practices to wait until student loan payments resumed in hopes they could siphon more money out of borrowers ' pockets. 

If Mohela is unwilling or unable to comply with the edict to give borrowers the prescribed relief, perhaps they shouldn't be in the student loan business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: PR

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX flagged an account as Collections on my credit report for the amount of {$1500.00}, stating that the original creditor was XXXX XXXX XXXX XXXX. I was out of the country and did not realize this until XX/XX/XXXX. As soon as I found out, I disputed the Collections on XXXX, XXXX and XXXX, stating that I had been a victim of identity theft earlier this year and suspected someone had fraudulently used my information again ( despite the fact that I had frozen my credit and place fraud alerts on XXXXXXXX XXXX  ). 

On XX/XX/XXXX, I called XXXX XXXX XXXX to ask for more information about the account flagged as Collections and found out that on On XX/XX/2023, an XXXX Mobility Account was opened fraudulently under my name with a false email and address in Indiana. XXXX XXXX XXXX said that, in order to investigate the case, they would send me a XXXX XXXX within XXXX business days that I should fill and return to them. I provided them the correct address to mail it and I am currently waiting for the Packet to arrive. 

On XX/XX/XXXX, I also filed an Identity Theft Report with the FTC and, following their recommendations, I called XXXX XXXX XXXX at XXXX to report that my identity was used to fraudulently establish XXXX XXXX XXXX XXXX ( wireless account ). XXXX XXXX XXXX said they could not help me without the account number and that, in order to start a fraud investigation, I should call back with the account number, which I have no way of knowing, since this account is NOT mine and I have never received any statements, invoices or notices of debt related to this account. The only reason I found out about this collection is because XXXX XXXX XXXX flagged it on my Credit Report and XXXX sent me a notification.

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 2023-11-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Still moving forward with forcloser while in review, this is a complete disregard of the law, these people are gangsters, think they are beyond the law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I opened a personal checking account online with Santander Bank. 
I sent electronic opening deposit in the amount of {$9000.00} from my XXXX business checking account which posted on the XXXX of XXXX. 
I immediately began using my account such as paying rent and other misc. bills. 
It was until I went into the Santander Branch located at XXXX XXXX XXXX on the XXXX of XXXX to make a wire in the amount of {$940.00} is when the issues began. 
Banker XXXX XXXX asked for ID and wire info which was normal but once he saw the amount that I deposited, he asked me what I did for a living then asked why a company is depositing this money in my account. I immediately was taken back by the intrusive question that was asked without context. I explained to him that this was my business that I owned. He left the room and came back and said he needs to make a copy of my ID in order to complete the wire. 
Once he comes back 5 mins later ; he said that he needs paperwork to show proof that I own that company. I started to feel uncomfortable, and asked for him to close my account. he said he can't close my account because Santander doesn't close accounts at the branch only online. 
He then but the branch manager, XXXX XXXX on the phone who said that I need to provide proof of my business ownership. I told her that I just want to close the account which they said they cant do at the branch. I then left. 
By the time I got home which was only 7 mins because I live in the neighborhood ; y account was locked. 
I called XXXX XXXX and she said they will unlock my account only once I send in proof I own the business. I then emailed her with documentation however she disappeared and avoided my calls 2 days later. 
On XX/XX/XXXX ; I found out that my bills that were paid were reversed by the bank and that they wanted me to 'replace ' funds that were used on my account before they reverse the initial deposit. 
I made a deposit of {$1400.00} on the XXXX of XXXX to resolve this matter however they have not been able to give me any information on when my {$9000.00} will be returned. 
I have taped calls and written communication that shows how unfairly I was treated and that they were focused on trying to keep my account opened in order to resolve this. The blockage of funds on my account was out of malicious intent because I wanted to close my account.

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 2023-11-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was asking for a credit limit increase online for Macy 's credit card, and they did a hard pull credit inquiry from XXXX without proper 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 2023-11-21 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: PR

Complaint narrative:
On XXXX XXXX I called XXXX and XXXX to report a fraudulent account open on my credit report. I submitted the submitted a FTC complained number that I have submitted to FTC to both credit bureaus XXXX and XXXX. 
On XXXX XXXX XXXX completed my dispute stating that it was not valid. So it took them 3 days to investigate. 
On XXXX XXXX, I received a response from Transunion, with the same information as XXXX. The account that I have not open and that I have call XXXX XXXX that was not mine still on my credit file. I have a fraud alert on my credit and Transunion and 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 2023-11-21 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: CT

Complaint narrative:
This is not my account. I would like this fraudulent account to be removed from my credit report. Thank you.

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 2023-11-21 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: CT

Complaint narrative:
This is not my account. I would like this fraudulent account to be removed from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: CT

Complaint narrative:
This is not my account. I would like this fraudulent account to be removed from my credit report. Thank you.

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 2023-11-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
XXXX says issue is closed. it is not closed. I have not got my XXXX back yet. XXXX XXXX XXXX XXXX XXXX  who cashed the stolen forged check. it's known this is a fraud case on different levels of fraud yet nobody is paying me money. they said they have uo to 180 days. well they investigated this & it is fraud so why can't they give me my money so I'm not homeless with XXXX kids when rightfully the XXXX procedures is reason my identity & check got stolen in the first place

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I was on IDR prior to my loan being transferred to MOHELA. I received an email from my prior servicer that there was no need to recertify and that my payment was approximately {$860.00} a month. 

After transferring to MOHELA they said I needed to pay about {$2000.00} a month which I can not afford. I tried to fill out an application to switch to another plan with lower payments on XX/XX/. They have still not processed it. They put only some of my loans on administrative forbearance and I still had to make monthly payments of about {$370.00} for two months then they put the remaining loans on forbearance and it was showing a {$0.00} payment due. Just now I checked and it is showing {$2000.00} due on XXXX. I can not afford this but I can not afford to miss a payment because I am only a few months done from PSLF. 

Anything you can do to either reinstate the forbearance or get them to process the RePAYE application would be appreciated. Thank you so much.

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 2023-11-21 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: FL

Complaint narrative:
I want these accounts to be out of my report, I don't want this negative thing under my name, I need it to be eliminated. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: The Leviton Law Firm, Ltd.
State: VA

Complaint narrative:
On XX/XX/, Leviton Law Firm , Ltd. sent me a debt collection letter for {$19000.00} to " XXXX XXXX XXXX '' at my home address on behalf of their client, XXXX XXXX XXXX, XXXX. The letter states they've tried to contact us multiple times as well as through a debt collection agency, and that if I don't respond in 10 days they will have no other choice than to advise XXXX XXXX XXXX to take appropriate measures to enforce their rights. 

On XXXX XXXX XXXX, I called and spoke with XXXX XXXX, the Leviton Law Firm Account Representative. I told XXXX that I have never done business with a XXXX XXXX XXXX, XXXX, to my knowledge. I asked for more information about the company since my XXXX search only resulted in a company that deals with property management and is not accredited by the XXXX XXXXXXXX responded that this has nothing to do with the matter because my name is not XXXX XXXX XXXX. XXXX added that it sounds like they ( Leviton Law Firm ) have the wrong address and he advised me to destroy the letter. I asked why I needed to destroy the letter. XXXX responded that if I didn't want to destroy the letter, then I could just pay the debt, and he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
When I was getting my car, they offered many different options for insurance and protection for my vehicle ; of course, I denied this offer because I thought I didnt need it!! So, after all, I was trying to cancel because I didnt need it. They transferred my call to other departments. All I feel so tired and I leave the things then I have there, so I have protection for pain seat and tires, and I dont even know how some of this works, I was even calling for information to make effective this insurance and they were telling me the sales person doesnt explain. I was not, but they never provided me with a good solution. Now, Im still paying, and I dont know what I am paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue as per borrower defense Federal Student aid application number XXXX this loans have been paid in full or otherwise discharge. I have send the attachment email received from the Federal student Aid to transunion nothing has been resolve. this is affecting my credit and causing XXXX  and XXXX because of this issue my score is very low. please help thanks This is for XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is not coming up on here i try the drop drop down

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 2023-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Kikoff Inc.
State: KS

Complaint narrative:
I opened a kikoff credit account and had my student loan disbursement direct deposited to the account. I never received a physical card in the mail. On XX/XX/XXXX i believe, after a declined sale at XXXX 's, i called customer service to find out what was going on. I was informed in that phone call that on the XXXX of XXXX {$5200.00} of my money had been transferred too a prepaid card in my name. I was completely shocked by this information and after explaining I had not authorized any such transfer asked the rep too dispute all of the charges made up to that day, as i never had received a card. I also asked too what entity the other prepaid card belonged too so I could attempt too track down my money. I was on the phone for a good 50 minutes at this point, and suddenly after asking, the line disconnected. Rather frustrated I waited a few days too see what if anything happened. Nothing. I did receive finally a physical card in the mail, and still was not getting any notices or updates. I then reached out too XXXX XXXX XXXX. And gave them all the information I had managed too gather and explained that there was something of a language barrier and hoped that maybe they could get the process moving. It is now, Mid XXXX and the only answer I have gotten is that my disputes since there were so many. We're filed in batches and I would be seeing the funds returning at all different times. That is not the case at all.

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