vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-25 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: CA

Complaint narrative:
I contacted Mohela to address this issue on XX/XX/XXXX, and Mohela refused to adjust the interest accrued on my student loans account during extended periods of administrative forbearance placed on my account due to their processing delays. 

The first administrative forbearance was from XX/XX/XXXX to XX/XX/XXXX, and Mohela informed me of it on XX/XX/XXXX. Based on the news, this administrative forbearance is due to the backlog that Mohela experienced while student loans first started going into repayment again. My account didnt have any student loan bill due in the meantime, and I was not given any student loan billing statement until XX/XX/XXXX. The student loan billing statement I received showed that I had an amount due on XX/XX/XXXX. After seeing this, I applied for the SAVE plan on XX/XX/XXXX, which was approved on XX/XX/XXXX, with a scheduled begin date of XX/XX/XXXX. However, Mohela sent notification to me on XX/XX/XXXX to inform me that it put me on an administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. 
Due to the processing delays by Mohela, I was placed on administrative forbearance from XX/XX/XXXX to XX/XX/XXXX, and my account ended up accruing interest in the amount of approximately {$6900.00}. I contacted Mohela and was informed it would not adjust the interest due to the type of forbearance I was on. 

Based on the information provided by the education department below, I believe Mohela should be held accountable, and the interest accrued during the administrative forbearance periods should be adjusted to {$0.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint regarding a troubling experience with XXXX XXXX XXXX, which has resulted in erroneous credit reporting and unfair billing practices. I received a notice in the mail from CCS collecting for XXXX XXXX XXXX stating that I owed them a certain amount. The notice provided an option to make a payment online, which I promptly did to ensure timely payment of any outstanding obligations and to avoid any negative impact on my XXXX XXXX. 

However, upon logging into the online portal, I discovered that the amount displayed was lower than what was indicated in the notice. Despite this discrepancy, I proceeded with the payment on the same day I received the notice, as I am diligent about paying my bills on time and did not want any adverse effects on my XXXX XXXX. 

I consulted with my accountant, who confirmed that I did not owe any funds to XXXX XXXX XXXX. With this information in hand, I initiated a dispute with the XXXX XXXX agency. Additionally, I reached out to XXXX XXXX XXXX directly and provided them with a declaration page of my insurance coverage, proving that I had the necessary coverage they were attempting to collect from me. They acknowledged their error and promptly issued refunds to me. 

XXXX XXXX XXXX assured me on multiple occasionsover XXXX timesthat they had contacted the XXXX XXXX agency to request the removal of the erroneous entry from my credit report. Despite their assurances and my provision of evidence demonstrating that I never owed the debt, the incorrect information continues to be reported on my credit profile. I started trying to resolve this in XXXX and we are now at the end of XXXX. 

I find it unacceptable that despite XXXX XXXX XXXX acknowledging their mistake, issuing refunds, and providing documentation to rectify the situation, they have failed to follow through on their commitment to remove the erroneous entry from my credit report. This has had a detrimental impact on my XXXX XXXX and financial well-being. I also sent in the mail and faxed the agency all of my disputes, proof of refunds and insurance paperwork. 

I am deeply troubled by CCS collecting practices, which involve sending notices that direct individuals to pay online before allowing any period for disputing the issue. This practice is unfair and undermines consumers ' rights to dispute erroneous charges. 

In light of the above circumstances, I am formally requesting the following actions : Immediate removal of the erroneous entry from my credit report CCS. 

I appreciate your attention to this matter and trust that you will take appropriate action to address these concerns. Please provide me with updates regarding the resolution of this issue. 

Thank you for your prompt attention to this matter.

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 2024-04-25 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: Self Financial Inc.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to urgently address a matter of identity theft concerning my account with Self Lender ( account number XXXX ). I have recently discovered unauthorized activity on this account, which I have reported to the authorities and obtained a notarized police report as well as filed a report with the Federal Trade Commission ( FTC ). 

Despite my efforts to resolve this matter, I have encountered significant challenges in receiving assistance from Self Lender representatives. Their handling of this situation has been both unhelpful and, regrettably, rude. 

Under Texas consumer laws pertaining to identity theft, it is imperative that swift action be taken to rectify this situation. As such, I am formally requesting the immediate removal of any fraudulent activity associated with my identity from the aforementioned account. 

Attached to this correspondence are copies of the notarized police report and FTC report for your reference and records. 

I trust that Self Lender will adhere to the necessary legal procedures and promptly resolve this matter in accordance with Texas consumer protection laws. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: OH

Complaint narrative:
i did not authurize this 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 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender

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 2024-04-25 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: MD

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 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: MD

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lender

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 2024-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've been trying to fix my credit reporting since last year by sending legal documents to the credit bureau and yet they keep on invalidating my claim and even invalidating what the FTC instruction was telling me to do. I know my right to have an accurate reporting in compliance to FCRA. There are fraudulent accounts in my profile that i want to remove as soon as possible. it's been months fighting for my right. Kindly remove the following as soon as possible. Thank you XXXX XXXX  account # XXXX date opened XXXX XXXXXXXX XXXX XXXX XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX acc # XXXX date opened XX/XX/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 explanation
Consumer complaint received 2024-04-25 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: NY

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXXXXXX XXXX  Account Number : XXXX Inquiries : XXXX XX/XX/XXXX : XXXX XXXX XX/XX/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 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 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 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 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 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 2024-04-25 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: CA

Complaint narrative:
" Your agency is in violation! 
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. 
Delete this at once! '' XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX - XX/XX/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 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 2024-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc.
State: PA

Complaint narrative:
As of XX/XX/2024 this company AMSHER Collection Service wrongfully placed an alleged debt on all 3 Credit reports without sending me notice to dispute. This is a violation, and the Credit Reporting Agencies are only allowed to report accurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently made timely payments on this account, preventing any overdue payments. I am uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 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: TX

Complaint narrative:
I received a credit alert on my TransUnion credit report today XX/XX/2024 for a hard inquiry which i did not request or authorized. this inquiry has demand and impacted my credit score. please kindly remove this inquiry .In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and .I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed removed from my credit 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 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I got my income tax refund and decided to open an account using it. I went to Capital one branch on XX/XX/XXXX @ XXXX XXXX XXXX, XXXX, NJ XXXX, spoke with a rep and proceeded to open the account and deposited a check totaling {$2200.00}. She informed me that my funds would clear in 24 to 48 hours since it was a treasury check. Later that night I rec 'd an email stating they need to investigate the check and I wouldn't clear the funds until XX/XX/XXXX. The next day XX/XX/XXXX I called to find out why the date has moved and was question by the rep stating what do I do to get such a big refund and I am new to the bank this is why it has to be investigated. I said it didn't make sense you verified my ID during the account opening process, you took my SS # etc. After this call later the same night I got another email stating the extended hold even further until XX/XX/XXXX. After the indication of fraud by Capital One I contacted my accountant which then contacted the IRS and was told my initial refund was reduced because of a prior tax debt and the new amount was issued and mail in check form to my address which is what I used for opening the account. Why would it take capital one 2 months to clear a check. No other financial institution does this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: OH

Complaint narrative:
I've tried to work things out with the company I have several CFPB complaints Discover just responds with vanilla responses. 
the accounts were open with a phone that was mine from XXXX XXXX balance transfers were done to accounts that were mine. 
I send them a letter from XXXX showing that I did not nor have I ever had an XXXX account and this is not enough proof to clear my name Now I've reached out to XXXX XXXX and obtained a letter stating that the accounts that were opened in my name fraudulently have been closed and I'm not responsible. I've tried to contact XXXX XXXX with no luck I don't believe they're a real company I can't obtain any information on them. 
XXXX XXXX XXXX said they don't have an account in my name or associated with me so they can't send me a letter I've also sent them proof of my address during this entire ordeal and my address doesn't match the address used to open the card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have two checking accounts with Wells Fargo which I only use on rare occasion. I received a notice in the WF mobile app that the accounts were " dormant '' and that I should call to reactivate. Since I had no need to reactivate them, I let them both sit for about two years. Come to find out, I've been charged $ XXXX on both accounts for those two years ( in one account, 26 months, the other 24 months ), resulting in {$460.00} in fees because the balance in both accounts was below {$1000.00}. While I understand the fee was in place if the balance was below {$1000.00}, since the account was dormant, I assumed that everything would have been " frozen ''. If I can't use the account, why would WF use the account and apply all the same fee criteria? I find this deceptive. After complaining to the bank, they refunded me {$20.00}.

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 monetary relief
Consumer complaint received 2024-04-25 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: PA

Complaint narrative:
I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts are inaccurately reported in terms of reporting, amounts, and dates.

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