vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: AZ

Complaint narrative:
On XX/XX/year>, I received an email from MOHELA stating " MOHELA has placed an Administrative Forbearance on your account while processing your Income-Driven Repayment ( IDR ) request. You may decline or request to end the forbearance by contacting us. Read this notification carefully, which can be found in your online account, regarding the forbearance period for your loans. '' I am unable to view this information on my account, it's an endless loop on MOHELA 's website. On XX/XX/year>, the U.S. Department of Education said, " We see that you may have recently missed a payment on your federal student loans '' which is untrue during my forbearance. On XX/XX/year>, MOHELA sends a " Cascading Delinquency Letter - 30 Days '' which again, does not match up with the date I was given forbearance, even if it was temporary. On XX/XX/year>, MOHELA says " Your federally owned student loan ( s ) serviced at MOHELA is more than 60 days past due, '' again inaccurate given the dates of when the forbearance was applied. They have not stopped processing my application thus ensuring the ongoing forbearance during this time. 

Unfortunately, there is absolutely no information available to me letting me know that my application was completely reviewed and accepted or denied. There is an endless loop on the MOHELA website where it says I can download the PDF letter stating, " IDR Request Received, Temporary non-capping forbearance applied during processing. '' I was never told it stopped processing, I'm assuming it is still being processed. I have explained numerous times that I am unable to pay my student loans at this time. I don't make enough to sustain myself let alone the student loans. It was stated when I had applied that I most likely would have my payments go down to {$0.00} a month under the SAVE plan which I applied for. I have gotten nowhere with MOHELA and have no idea what's going on. I am powerless and have been sent numerous letters that are unviewable due to MOHELA 's website loop when trying to access letters under the " Documents we sent you '' tab.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XX/XX/year>, I contacted Capitol One to inquire about where to submit my Capital One Bank Customer Removal Authorization/Modification Agreement ( https : //ecm.capitalone.com/WCM/bank/pdfs/customer-removal-authorization-form.pdf ). 

Representative XXXX placed me on hold while he consulted with a colleague. XXXX informed me that the only way to remove myself as a co-signer would be to refinance the loan. I shared that I had already completed a notarized agreement that was available from Capital One. XXXX placed me on another hold while he consulted with a colleague. Upon return, XXXX requested I provide the web address where the form was located. I shared the web address. XXXX then stated that it " may be an outdated page '' and reiterated the only way to remove myself as co-signer would be to refinance. I shared with XXXX my concerns because I followed the information available, including paying for a Notary Public as required by the document. XXXX asked me to find the page on their website, to which I responded by questioning why I am being asked to find a page when they have a publicly available document. I asked to be transferred to someone who could receive a complaint and was directed to representative XXXX. 

I explained to the representative XXXX that the same information was shared with XXXX. XXXX reiterated the same. I shared that this felt like an unfair business practice because the form was available only. I additionally asked XXXX to confirm that even though I followed the instructions of their form, including getting a Notary Public service, they would not consider my request, and the only way to remove myself as a co-signer was to refinance the vehicle. XXXX reiterated this as true. 

I informed XXXX that I would be submitting a consumer finance complaint and requested that their decision be notated in my file and all phone records are retained for accuracy and credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to emphasize that I did not provide written authorization for the inclusion of these specific transactions in my consumer report. Therefore, I am formally requesting that these accounts be blocked and removed from my report. It is crucial to clarify that this request is not due to any oversight or error on my part. Rather, it stems from the fact that I did not expressly permit these transactions to be included in 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 non-monetary relief
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: TX

Complaint narrative:
I sent a letter asking General Revenue Corporation to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about a debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days Please help me and remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Requested a wire transfer and completed the " online verification '' multiple times, XXXX has outsourced their " customer service '' to XXXX and the XXXX, even the branch is unable to assist without dealing with this inept department. 

The wire transfer werification process was completed several times and with the same results, answers as to why the wire transfer process was not completed were deflected with no real answers given.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: TX

Complaint narrative:
This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. Both accounts XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX are reporting inaccurate information and you were notified in a letter dated XX/XX/year>. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I want to be absolutely clear : I did not approve these transactions to be in my consumer report, neither in writing nor verbally. So, I formally ask to block and remove them from my record. This isn't a mistake, nor is it based on any misrepresentation. These transactions were included without my clear consent or instruction. I'm stressing this to show how serious my request is. It's based on accurate info, and I'm not trying to deceive or manipulate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I sent a letter asking Transworld Systems to validate a debt on my credit report. Account number XXXX. They did not respond which is a violation under 15 U.S. Code 1692g ( a ) is a section of the U.S. Code that covers the validation of debts and requires debt collectors to send a written notice to consumers within five days of first contacting them about debt. The notice must include : The amount of the debt The name of the creditor A statement that the consumer must respond within 30 days A statement that the debt collector will provide the consumer with the name and address of the original creditor if requested in writing within 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Persolve, LLC - Legal - Series 2
State: OR

Complaint narrative:
I got a personal loan over 20 years ago! It was turned over to an attorney presolve legal group and they would not let me work a payment plan with them! Now it's on my credit report for an amount of money I will never be able to pay back! XXXX dollars and accruing interest and effecting my credit score. I am a single woman with no family to help me and struggling to make ends meet! Is there any advice u can give me to help me get that debt gone and off my credit report? Any help is appreciated Thank you XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
I am not liable for the debt that this collection agency is trying to collect from me. I do not have a contract with this company. I requested a copy of the purchase agreement or contract with the creditor that authorizes them to collect on this alleged debt. They did not provide me with the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I requested under:15 USC 1692g debt validation ( # 1. ) production of original contract signed by me agreeing to be responsible for debt, ( # 2. ) proof of debt assignment ( how & when company was assigned and granted authority to collect debt, a complete account and payment history of the debt in question, and proof that no insurance company or any other entity has granted payment to creditors, no insurance claim has been made and paid, and not tax write off has been granted for the amount of ye allowed debt. 15 USC 1681 the credit reporting agencies have a duty to accurately reflect correct info, this info is not correct, I was a XXXX child who never knew about or understand what this debt is, I could not legally and never entered into any agreement to be responsible for this debt, Creditor is fraudulently reporting knowingly erroneous info against my credit file/report. I have nothing to do with this account. I clearly was a minor who NEVER know about or agreed to anything with 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 2024-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone from XXXX, TX has withdrawn cash from my personal checking, savings and business checking accounts at four different Chase branch offices in just little over an hour without my authorization on XXXXXXXX XXXX. By the way I live in New Jersey state. Next day, I made multiple calls to report to Chase and visited the local branch office as well to take action against identity stolen. 
Because I was not advised to file the declaration form signed right away from the Chase branch in my town, I ended faxing the forms in the following week on XXXX. In the following week, only one credit was issued out of four and I was explained form the claim check department of the Chase they only had one declaration form in the system. Then, I had to email them the other three declaration forms again on the XXXX and again on the XXXX. They were missing one or two forms every time. I finally had another two credits in the following week. Yet, the last credit was not received until last week. 
While I was waiting for the last credit, Chase bank took {$5000.00} away from the business account on XXXX and I was explained that they dont have the declaration form for that in their system. Now I have again two credits unresolved. 
I was explained from many different Chase personnels that it should take 24 to 48 hours to get into the system once the declaration forms are received and it would take another three to five business to process it and issue a credit back into my account. 
Now it has been almost a month since I lost tens of thousands of dollars. I have not been able to make payments on some of the credit cards and especially I have negative balance in the business account. 
I have provided the four declaration forms four times and every email at the local Chase branch office was confirmed as received excluding the first fax. They keep missing one or two declaration forms still and the process is being delayed. I still have to get {$14000.00} from Chase. Apparently, someone at the claim check department of Chase bank is being negligent and very irresponsible. 
So, here I am filing a complaint. I hope your department help me and expedite the credit process. 
Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
To Whom It May Concern : I paid a XXXXXXXX $ XXXX in XX/XX/XXXX for a dream trip to XXXX and paid for a XXXX XXXX in the desert in XXXX . After the XXXX told me that she was doing me a favor '. 

This XXXX  didnt do what she was paid to do. She did what she wanted and charged me for a full XXXX. The XXXX that was done wasnt what I paid for. I was initially willing to pay for half of the cost of the $ XXXX I paid for but the vendor didnt respond. Apple Card/Goldman Sach keeps automatically declining my request which is unfair and proves that no one is bothering to follow up. 

ITS BEEN MONTHS AND I STILL DONT HAVE A RESOLUTION. GS KEEP CHARGING MY CARD FOR {$180.00} for me to pay. I KEEP REQUESTING THAT THE WHOLE AMOUNT BE CREDITED TO MY ACCOUNT. THE VENDOR DIDNT RESPOND TO MY CALLS, IT'S BEEN SIX MONTHS, AND THIS PROCESS TO COMPLAIN AND DISPUTE charges with Goldman Sachs TAKES MONTHS. 

Card-holders shouldnt have to wait 90 days at a time when all the information has been supplied to investigate an issue. I sent two photos each time to GS/Apple to indicate what I paid for versus the XXXX I received. 

Further, the process to file a dispute takes WAY too long. 

Here are the following dispute numbers that were opened then closed without any communication. Additionally, it appears that Goldman Sachs purposefully does this to discourage the dispute, which ultimately ends up in the consumers hands to pay. 

I spoke with XXXX and then XXXX at GS on XX/XX/XXXX - Dispute was closed without anyone contacting me. 
Contacted again on XX/XX/XXXX - Dispute was closed by XXXX then XXXXGS - it was for the reversal of {$180.00} - I ASKED FOR THE ENTIRE AMOUNT. No one contacted me. 
XXXX XXXX indicated that the issue was reopned when it shouldn't have been closed! 
XXXX - XXXXGS - sent him pics via text message. Issue was closed. 
Called on Wednesday XX/XX/XXXX when I rec 'd a bill for {$180.00} but I asked for the entire amount to be refunded. To date, NO RESOLUTION has been made. No one texted me back. The consumer shouldn't have to text someone for a resoution. Its a guranteed no-win for the card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-29 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: GA

Complaint narrative:
There have been unauthorized and unverified hard enquires on my EQUIFAX credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
It looks like someone other than me is using my personal information to apply for credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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 have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX ) XXXXXXXX XXXX XXXX  XXXX {$2900.00} XXXX ) XXXX XXXX XXXX {$3800.00} XXXX ) XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-29 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: FL

Complaint narrative:
I have been disputing these accounts with the creditors and the bureaus since they are the product of identity theft, so far they have not complied with my requests to have them removed. I made a complaint to the CFPB back in XXXX and that complaint was closed the same day, I don't understand why so I want to start a new complaint. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} I am including a copy of an FTC theft report which I have already sent to the credit bureaus to no avail, as well as my license and a proof of address plus my social.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: DC

Complaint narrative:
I have been making timely payments on my student loans ( can prove with screenshots of bank account debits from MOHELA ) but I am being hounded with " missed payment '' notifications. When I call MOHELA about this, I wait for hours only to be told that they actually *do* see the payments have been made but their " new system '' is misreporting those payments as missed. They claim this will be fixed before my credit score is affected, but I do not trust that as I was told by one agent that credit reporting begins in XXXX whereas one more recently told me credit reporting would not be until this fall. 

Timeline : XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXXI call MOHELA and after an hour wait on the phone am told I should not receive further correspondence regarding missed payments going forward as the problem has been resolved. 

XXXX '' Account is Over 30 Days Past Due '' Letter from MOHELA XXXXI call MOHELA and am told the letters are due to a " new system '' but that the issue will be fixed before credit reporting begins in XXXX XXXX '' Friendly Payment Reminder - One Due Date Has Been Missed '' Letter from MOHELA XXXX '' Cascading Delinquency Letter - 30 Days '' Letter from MOHELA XXXXI call MOHELA and they claim that my payment isn't yet processed because it takes 37 days to process a payment. I am now told not to worry about credit reporting until XXXX, contradicting what I was told last month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-29 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: MD

Complaint narrative:
Transunion dropped my score XXXX points and has no reason for it. They claimed they cant see past this credit report which I know they are XXXX. They were supposed to have a supervisor contact me and no one has. 

Ive disputed again a collections all other bureaus have seemed fraudulent except TransUnion. 

Ive proven numerous times theres been identity fraud and still it fits in my account fraudulent. 

They kept negative student loans on there that were forgiven due to XXXX and no longer owed on. They refuse to take that off too. 

The collections I disputed doesnt have my address correct or my phone number. 

It is fraudulent. They cost me a home loan and Im about to sue!

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