23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I called my loan servicer Mohela about consolidating my loans on XX/XX/year> to be able to meet the XX/XX/XXXX deadline for consolidation and public loan forgiveness counts. When I called and spoke with the mohela XXXX I was told that if I consolidated my loans that my loan forgiveness count would start over. 

I trusted what I had been told by the loan expert in which I was calling about my loans. The info I was given is absolutely wrong and if I consolidated prior to the XXXX XXXX deadline I should of been able to have my public loans forgiveness count stay where it was and the lower ones match that. Because of this bad information has and will cause my thousands of more dollars and financial XXXX 

I called XXXX XXXX and they verified that the info I was given was not correct. I called Mohela on XX/XX/year> and the rep confirmed that it is documented on their end that I was given incorrect information as I was within the deadline of when I had called to consolidate and she admitted fault for their wrong information. She said there was nothing she could do and she was sorry. I said that I wanted to talk to someone higher as this was not my error and I did everything I was supposed to do by calling before deadline. She sent me over to Mohela resolution department in which I had to leave a message. I was called back the same day by the XXXX department in which she said I am sorry you were given wrong info but there is still nothing we can do for you and that I would need call XXXX  as they dont have loan forgiveness anymore. I was told by student aid to call Mohela. 

When calling student aid again and informing them of the conversation with mohela I spoke with the XXXX XXXX XXXX department and they said there was nothing for them to do since mohela is my servicer. 

I have submitted a complaint with student aid. 

I was given the wrong information when I did everything on my end I was supposed to within the deadline. When calling to ask questions about my loans I expect that I am talking to something that is an expert with my loans and the information that I am getting is correct and accurate. I have been lied to and its now going to cause me thousands of more dollars and many more years of repayment for something that was absolutely not my error. 

I am asking for my situation to be reviewed and rectified. I want my loans consolidated with being able to keep my public service loan forgiveness count and given the same opportunity as other borrowers. This is absolutely insane that they can get away with this I am the one to suffer for years of financial XXXX
Product: Debt collection

On XX/XX/XXXX I contacted XXXX about the fraudulent account that shows on my credit report for {$810.00} opened on XX/XX/XXXX. I informed them the account is fraudulent & I was told JEFFERSON CAPITAL bought the account, and I have to file a dispute! I file a dispute & no other actions has been made by the company after several calls I made to the company to get it removed!
Product: Consumer Loan

Conn 's XXXX XXXX - they contacted me on XXXX/XXXX/2017, XXXX for a payment that was due on XXXX ( 4 days late ). I answered the phone, confirmed I was the accountholder and let the representative know I would send the payment out on my next paydate, the XXXX. I also stated that I only stayed on the phone because she introduced herself as if I knew her, but typically I would have told them to callback because I was at work. Once I found out she was a collector, I needed to hang-up but she knew what date I would be paying. 

They proceeded to call on XXXX multiple times at : XXXX ( I even answered and hung up when they said it was Conn 's calling again ) XXXX XXXX XXXX They called again on XXXX at XXXX CT and I answered and told the agent that I have already spoken to them, let them know I will pay on the XXXX and demanded to know why they are calling again because this is illegal to call over and over again, just because you did n't like my answer 2 days ago. The representative stated that they are calling because the agent did not put in a " Promise to Pay '' on Wednesday -- I said that is n't my problem. I told you the same thing I told her and what you do with it in your system does n't change that you ca n't keep calling even after I tell you when I will pay and this was illegal and I was going to file a CFPB complaint. She responded " Do what you have to do. ".
Product: Mortgage

I am updating complaint XXXX which is currently awaiting response from company. Approx XXXX XXXX I was informed CitiMortgage took partial steps regarding my complaint & needed more time. I checked the status & nothing has been done to resolve the wrongdoings. What CitiMortgage did do was schedule another foreclosure - XXXX XXXX. 
( Foreclosure XXXX XXXX XX/XX/XXXX prompted first complaint. It was cancelled at last minute. Was not informed why ) We received letter dated XXXX XXXX CitiMortgage was pleased to share we may qualify for loan modification & will get letter outlining documents needed to determine final eligibility. The letter had been Cc 'd to Missouri State Attorney ( Submitted complaint to them as well ) We receive XXXX letters dated XXXX XXXX - possible HAMP qualification & the other letter to notify us of date of foreclosure ( the only letter we got concerning foreclosure ) Still waiting on letter about needed documents. I believe the XXXX XXXX letter was solely for the benefit of the Attorney General. I also believe CitiMortgage has no intention of resolving our issues. For years they ignored our verbal requests for explanations concerning our account. The Qualified Written Request sent XXXX XX/XX/XXXX was improperly acknowledged 1 ) Citi picked the concerns they choose to respond to & stated they found no errors. I have no idea how they determined that - guess just take their word for it. 2 ) I requested the information & sent the QWR. Citi sent their response to husband 's Chapter XXXX lawyer ( another attempted foreclosure XXXX XX/XX/XXXX & he knew nothing about the QWR ) telling him he could disclose whatever info he felt necessary. The attorney emailed us Citi 's response. & gt ; As far as I know they 've yet to fully cooperate with Attorney General or CFPB. I guess if they sell the house they wo n't have to.
Product: Credit card or prepaid card

In XXXX 2019 I had a credit limit of {$4000.00} with Chase bank ( Chase Amazon Credit Card ) and I had made a large sum payment of {$2000.00} to pay down my debt. They had decided to decrease my credit limit to {$2700.00} and had not clearly stated their reasons why. I thought maybe it was because I had a high balance before and I had been struggling to pay down the remainder after that. A couple weeks ago ( XX/XX/2019 ) I paid Chase {$2700.00} to which my balance was {$94.00} higher than the limit and was just trying to lower my debt with them. My husband 's work has been very slow, and I work only part time and am a XXXX XXXX XXXX so the past six months have been hard but we are just trying to catch up. I decided to use some of my financial aid ( grant ) to help pay my credit card debt down in order to hopefully boost my credit score back up from the originally hit when Chase decreased my credit limit that took a toll on my credit score and now they did it again and will most likely take another hit on my credit score. I was also hoping to boost my credit score to help refinance our auto loan with XXXX XXXX XXXX to help more with our finances. If they had been more clear about their reasoning why in their first letter they had sent out, to which I had called both the customer service and lending departments and both had not been very helpful nor understanding but most importantly did not give me a clear reason why they had decreased my credit limit ... I would have not made the same mistake again.
Product: Debt collection

Received a voicemail from a person claiming to be calling on behalf of XXXX County and was calling to inform me that unless I called them back, they were going to make " multiple attempts '' to serve me papers at my home and place of business between the hours of XXXX and XXXX the following day or and if they were unable to, I would end up missing my scheduled court date. Caller provided me with a case number, their return phone number ( XXXX ), and a name ( XXXX XXXX ). Since this is not the first time I have received a strange call like this, I proceeded to call the XXXX County Clerk and District Clerk to try to verify the case number, check for any court dates if applicable, and find out what the matter was in regards to. After speaking with several different departments at XXXX County, I found that XXXX County had ZERO records of any such case number or my name in their system at all. 

I proceeded to call this XXXX XXXX back at the number provided and he informed me that the call was in reference to an old payday loan debt with a company called Ace Cash Express. This is the same company/debt that I had already filed a complaint against with the CFPB a couple years ago because they called impersonating a XXXX County Deputy ( they even made the caller ID show up as XXXX County ) and threatened to have me arrested if I did not pay the debt. Since this is against the fair debt act, I filed a complaint but the complaint ended up being closed with no resolution because when CFPB contacted Ace Cash Express, they denied the claim/debt was theirs and the debt collector that they had sold the debt to refused to respond at all. CFPB requested additional information since they were unable to get any response but since the debt collector refused to give me any more information I had none to provide and the complaint was eventually closed. 

Now, two years later, I am getting the same threatening calls at my pwork. This time threatening to seize my car and take me to court if I did not pay the debt TODAY, and that if it ended up going to court, that the amount due would be 5 times more than the amount they were asking for now. 

When I explained that I had already filed the complaint with CFPB the last time they called ( to which they had never responded to ), the caller got very angry, talking very fast and threatening saying " they were owed this money '', that they " were going to seize my XXXX XXXX '', and then said " Good Luck in Court '' and hung up.
Product: Credit reporting or other personal consumer reports

To document my identity fraud with the credit bureaus, I sent a copy of my FTC identity fraud report, a copy of my police report filed at the local XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC, and a copy of my driver 's license. 
I received a letter from Equifax that states the information I provided them with does not match the information they have on my credit file. As a result, I can not add a fraud alert to my credit report with Equifax to stop and prevent additional fraud to take place.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Account XXXX : XXXX XXXX Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.

Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements.
Product: Credit reporting or other personal consumer reports

I have sent a request to XXXX, Equifax and XXXX to remove the old previous address on my credit file along with my current proof of address ( copy of current utility bill and drivers license. 
Dates sent to all three bureaus ; XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
I have also, called and spoke with a representative that stated I'd get a letter once removed and she cant remove my telephone. 


Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and midland funding llc are reporting I never had any dealings or a contract or service this is not my account
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section XXXX ( b ). 

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit card or prepaid card

I am a Chase Private Bank client for many years and learned that Chase was offering assistance to people and businesses that were impacted by the Covid-19 shutdown. In late-XXXX  and early-XXXX  I called Chase at least 5 separate times about my Sapphire Reserve Credit Card ( which I use primarily for business purchases ). Several of these calls I was on hold well over an hour just to speak with someone. After a lot of time and effort, I was told that my credit card payments would be deferred up to 3 months with no fees, penalties or interest. 

By the middle of XXXX ( a little over 1 month since my last call to Chase ), my finances had become clearer and I were ready to make full payment for the credit card. When I reviewed the account, what I found was completely unexpected. For the credit card, Chase had assessed more than {$1700.00} in fees, penalties and interest since XXXX. When I called customer service, I was told they had no record of me ever calling, that the fees could not be waived and all they could do was have a manager call me within 30 days -- ( 30 days! ). 

On top of the extreme challenges I've had to deal with the past few months trying to save my business, Chase Bank has only compounded my problems. It would have been better had Chase simply not offered assistance and I would have sought more trustworthy alternatives for financing and help.
Product: Mortgage

This complaint is a continuation of the previous complaint - # XXXX. I have been working with Louisiana Housing Corporation via their LA HAF program since XX/XX/2022 to bring my mortgage payment current since I have been affected by COVID-19 as a long hauler. PHH has on numerous occasions in recent months ( XXXX - present ) confirmed that my account had been referred to their HAF Department. The state of Louisiana submitted a payment for to cover the reinstatement amount. On XX/XX/2022, PHH HAF confirmed receipt of the payment and requested to return the LA HAF 's payment of {$8700.00} back to them because the state did not send them a referral that indicated that I was on their HAF Program. This information was provided to me by an Escalation Manager named XXXX ID # XXXX ( Phone # XXXX ext XXXX - Escalation Department ). In PHH 's response to my previous CFB complaint related to this matter they indicated, " On XX/XX/2022, the State sent us another HAF notification and requested an updated status of the account. However, the request did not include a Third-Party Authorization ( TPA ) form that is needed before we can provide the requested information. We have advised the State to resend the HAF notification along with a valid TPA. Please note, that HAF is a state program and any concerns or questions you may have about the program should be addressed directly to the State. In case the State requires our assistance or needs any information, we will gladly respond as long as they provide the needed documentation so that we can release information about the account. '' LA HAF sent a letter requesting a status update on my account for the second time on XX/XX/2022. I personally provided third party authorization to PHH on XX/XX/2022 authorizing them to speak with LA HAF and it's representatives per the guidance that their representative XXXX provided me on XX/XX/2022. I confirmed during numerous conversations afterwards with many different agents that this TPA remained on my account. 

No one at PHH clearly understands why the PHH HAF Department wants to return the payment that LA HAF has sent. The Escalation Manager is confused and says he needs 5 business days to investigate. What is the problem?
Product: Mortgage

XXXX XXXX, the person Shellpoint employees to manipulate facts and omissions, gave a response in complaint XXXX that is a misrepresentation of the facts and truth. 

1 ) XXXX XXXX emailed me on XX/XX/2021, after XXXX XXXX reached out to him. XXXX XXXX said that my modification approval letter would be sent to me in a few days. However, instead of a modification approval letter, I got an offer to redo my trial plan that I succcessfully completed. 

2 ) XXXX XXXX claimed that his superiors overruled the approval letter and that he could not do anything about his superiors decisions not to offer a final modification. 

3 ) XXXX XXXX claims that though XXXX XXXX is my single point of contact there are other loss mitigation people involved. XXXX XXXX merely stated the obvious, without fulfilling my request. 

4 ) Shellpoint never identified who the superiors where with the authority to override XXXX XXXX. Thus, I do not have a single point of contact. In fact, it is even worse, because an unnamed person with no accountability can harassment limitlessly without consequences. 

5 ) XXXX XXXX contradicts XXXX XXXX by alleging that they are merely offering me the modification trial that XXXX XXXX approved instead of saying that XXXX XXXX 's superiors overruled the final modification approval letter. 

6 ) XXXX XXXX omits that XXXX XXXX contacted Shellpoint on XX/XX/2021 to ascertain why I am being asked by Shellpoint, not XXXX XXXX, to redo my trial modification in XXXX of 2021. I paid the statement and asked Shellpoint in a timely matter to clarify. XXXX sent me XXXX monthly statements stating my trial plan amount was XXXX dollars less than XXXX 's offer trial modification letter. I requested a response from XXXX about the discrepancy. XXXX never responded to me until over 60 days later when they were responding in a letter to CFPB. Then, there response was one of XXXX XXXX 's vile responses that they were informing me in that letter that my modification would not be finalized because I failed to make the required trial plan payments. Yet, XXXX XXXX omitted that I paid the amount expressly stated on my monthly statements for the trial modification and that Shellpoint refused to clarify for over 60 days. I completed my previous trial modification Shellpoint has refused to respond to XXXX XXXX investigators. Yet, Shellpoint if falsely communicating to CFPB that they are following XXXX XXXX 's authority. 

Now, XXXX XXXX wants to talk to Shellpoint about their duplicity. But, Shellpoint is misrepresenting facts with all agencies and will not respond XXXX XXXX about why I am redoing a trial modification that I successfully completed.
Product: Consumer Loan

I am behind in my car payment. I received a call from the company today. 
The date is XXXX/XXXX/16 and it 's a Sunday. I was told in the voice mail I received at XXXX to call them today until XXXX to discuss the issue. 
I called the number they provided but no one is there to take my call. 
They are closed on weekends, but had someone call me to tell me to call today, which makes no sense! I had attempted to call them on XXXX/XXXX/16 at approximately XXXX but received the same message, that no one was there to take my call. How can I resolve the issue if no one is there to take my call?