23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

This complaint is a re-file from COMPLAINT ID : XXXX which was SUBMITTED ON XX/XX/XXXX and is still NOT resolved. 

Mohela agreed to refund my account but has NOT done so, it is now half a year later and was charged on XX/XX/XXXX. 

My personal banking services emailed me a notice of overdraft due to insufficient funds. I checked my account and saw that Mohela my student loan servicer processed an auto debit amount of {$1500.00} on XX/XX/XXXX but my monthly payment is suppose to only be {$190.00} per month as stated on my monthly bill. I called Mohela to discuss the matter and their representative informed me it would be refunded to my account within 24 hours, unfortunately this was not true. I called Mohela again on XX/XX/XXXX informing them the funds have not been refunded. My biggest concern is how this is impacting the millions of borrowers as many people can not afford the time or resources to constantly call their servicer and be on hold for hours and many do not have the means to be depleted of their personal finances due to loan servicer 's mistakes. This is an issue of administrative mistakes that serverely impacts those who are even more underprivileged. In no other business/organization would be able to wrongfully charge consumers thousands of dollars and still be operating without putting a halt to their payment processing until issues have been resolved. Another customer representative informed me they had wrongfully charged another borrower their full loan balance! There has been no accountability for their mistakes and the level of wrongdoing is appalling. Loan servicers mistakes are severely jeopardize consumer 's financial resources and put consumers at risk of their housing/rent/mortgage timely payments. I truly hope CFPB takes this matter with utmost importance to ensure this is not another system perpetuating inequality for undeserved populations. 


Company 's Response on XX/XX/XXXX Dear XXXX XXXX : MOHELA has reviewed the Consumer Financial Protection Bureau ( CFPB ) complaint, regarding your auto debit. Our records indicate that a forbearance was applied to your account through XX/XX/XXXX. Please be assured that the months from XXXX through XX/XX/XXXX will count toward Income-Driven Repayment forgiveness and Public Service Loan Forgiveness , assuming all other requirements of these respective programs have been met. Interest rates were temporarily adjusted to 0 % effective XX/XX/XXXX, through XX/XX/XXXX. Any interest that accrued during this time has been removed. As your loans were in this forbearance, a request was submitted to have your XX/XX/XXXX payment in the amount of {$1500.00} refunded. Your next auto debit is set to withdraw on XX/XX/XXXX, in the amount of {$190.00}. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer Advocacy Team at XXXX from XXXX to XXXX Mondays, XXXX to XXXX Tuesdays and Wednesdays, or XXXX to XXXX Thursdays and Fridays, XXXX XXXX XXXX You can also visit www.Mohela.com. Sincerely, MOHELA
Product: Debt collection

I was unaware of this debt. While attempting to purchase a home my credit report notified me of a debt collection, which prevented this life long goal of happening. I immediately settled the debt of {$64.00} and was promised that the collection would be deleted from all three credit report bureaus. I was not provided the opportunity to dispute this debt. Nor did I receive any proper notification of this debt. If in fact you believe you provided me with proper notification, please send me a certified receipt with my signature on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, Last year I received a bill from XXXX. However, I never signed a contract with them. A while after I checked my credit report and an address was found. This was an address I was never familiar with. I reported this dispute last to Experian, not much was done. Please respond to the earliest convenience. I can be reached in the early evening XXXX. 
Thank you again.
Product: Payday loan, title loan, personal loan, or advance loan

My information was stolen and used to obtain this loan and I did not apply for this loan or receive it through my bank account and I was surprised that I was required through Collection to pay this amount and I was not on the basis
Product: Credit card

We contacted Citi after receiving notice our address had been changed. We did not make the change. During investigation, Citi confirmed unauthorized access to our account. At this point, our online access was frozen, and we had no way to check charges or balances. 

Citi eventually closed our credit card account without informing us. That is we did not request the closure, nor know about it beforehand. 

Our account had {$990.00} in cash-back rewards at the time of the closure. Citibank did not credit these reward points before closing our account, and now refuses to reimburse us for the reward points. 

Citibank states that once a credit card account is closed, any reward points are forfeited.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX  XXXX. Also, I want these late payments deleted from my account within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXXXXXX. Please correct and update.
Product: Prepaid card

I received a gift card from the Vanilla Gift Card Company purchased at XXXX XXXX. It was supposed to have {$150.00}. The card did not work at all and the company has not been replaced the funds.
Product: Checking or savings account

Show that its money in the account and then once it clear 3 to 4 days later it charge overdraft fee on multiple occasion
Product: Vehicle loan or lease

I am writing to dispute an inaccurate item on my credit report that does not belong to me. Despite previously disputing this error, no investigation was conducted, and the issue remains unresolved
Product: Debt collection

Are reporting to credit Bureaus When I have numerous times in writing have disputed their right to collect and or report to the credit bureaus negative credit info on me.

I have asked for them to show proof they purchased this debt & the terms & amount of the purchase of this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks! 
ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : CHASE CARD, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX, AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX. 
ACCOUNT NAME : XXXX, XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX  AND XXXX . 
ACCOUNT NAME : XXXX. XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX , XXXX , AND XXXX . 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, REPORTING ON : ONLY XXXX. 
ACCOUNT NAME : XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX AND XXXX. 
ACCOUNT NAME : XXXX XXXX XXXX, ORIGINAL CREDITOR : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING ON : XXXX, XXXX AND XXXX. 
ACCOUNT NAME : XXXX, ACCOUNT # : XXXX, DATE : XX/XX/XXXX, BALANCE : XXXX, REPORTING DATE : XXXX.
Product: Credit reporting or other personal consumer reports

An auto loan that was paid off earlier than the originated 28mo contract, with no late payments reported, showing closed, has not had any positive effect on my credit score as advertised by credit bureaus to recommend for score improvement options. It's been over 8 months since it was fully paid off and closed early. Score XXXX then, score XXXX now, with no update on credit age category either. What a joke.
Product: Money transfer, virtual currency, or money service

Zelle and XXXXXXXX XXXX In the past with disclosures and sending money to the wrong person and not being able to retrieve it once sent.
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX and XXXX Credit Bureaus are reporting inaccurate information on MIDLAND CREDIT MANAGEM ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$690.00} ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. PeXXXX FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Some of CFPB 's automated fields do not accurately reflect my complaint. 

This phone call took place on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

And I do not expect to collection agency to respond either appropriately or seriously to this complaint. An unethical debt collector ... who could imagine?! But I write this for the benefit of others who may have the unfortunate experience of dealing with them and to have a written record of my own experience with this company. And to make them aware that they sit well outside CFPB compliance -- which, of course, they already know. 

While contacting the debt collection company, I attempted to make notes about everything said on the call so that I could accurately reference the call should I need to in the future. 

When I asked for a supervisor, the collection agent LIED and said that they had no supervisor. The original lender later confirmed to me that this was a lie and there was, in fact, a supervisor who was on the floor for escalations. I even confirmed this by looking at the collector 's website. 
When I asked for a reference number on the call, they refused to give me one. 
When I asked for the employee 's number so I could again reference the conversation at a later date, the employee hesitated then made up a random number. When I asked them to confirm that this was in fact their employee number they admitted that they had lied and made it up. 

Multiple lies and diversionary tactics accumulated in one call. And the collection agency expects you to believe anything they say... 

I attempted to contact and deal with this collector in sincerity and good-faith and was met with XXXX. For those reading this public complaint, remember the wise words of a certain XXXX philosopher, " Stay safe ... and trust no one. ''
Product: Credit reporting

I faxed a dispute letter on XXXX XXXX 2016. I went to log on their dispute tracking system to find out that they never started an investigation the the inaccuracies on my credit file. I gave equifax ample time to complete an investigation and they disregarded my letter and are being very detrimental to the status of my credit file. This is not FCRA compliant. I know they received the fax because I was given a reply of successful completion of fax.
Product: Credit reporting or other personal consumer reports

The following accounts on my transunion credit report are inaccurate. I have filed an identity theft affidavit. The accounts are the following : XXXX XXXX XXXXXXXX opened on XX/XX/XXXX, another loan from the same place opened on XXXX XXXX. Another student loan opened on XX/XX/XXXX. All of these hard inquires are not mine : 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
Product: Mortgage

Im a XXXX veteran working with PennyMac loan servics for over 5 years. Never missed any payment not 1 time. They contacted me to Refinance my Va mortgage back in XX/XX/XXXX. And it been a nightmare lieds after lies. I was told by my loan officer i would be closings on XX/XX/XXXX and not to pay my mortgage for XXXX and XXXX because in would be included in my loan. That was a lie, didn't have all the right documents for the closing. So they rescheduled my closing for XX/XX/XXXX, and XX/XX/XXXX, and cancel out with saying a word. After i took off work all 3 times. Had my credit missed up for XXXX and XXXX XXXX XXXX called and told me to pay my mortgage for XXXX and I would be closings for sure XX/XX/XXXX .So i did, no problem. Closed as scheduled everything good i thought. Never received any money after closing like they promise 3 days after. Then they started calling telling me i was late for XXXX and XXXX mortgage payment that was supposed to be included in my new loan. My first payment for my loan was XX/XX/XXXX. Call after call threatened after about making a payment. And i told them i closed on the XX/XX/XXXX. Nothing, Reach out to XXXX  and they didn't nothing. Call and talked to VIps after Vips. Managers after manager loan officer after loan officer nothing be lied. Then threatened to canceled my loan all together. Need help bad can not sleep or eat head hurting every day. Got me and my family stressed out of losing our home. Pennymac is the worst Mortgage company in XXXX. My credit is messed up because of them and can't go anywhere else.
Product: Mortgage

I am attempting to contact my mortgage servicer for questions about my escrow and payment due dates. Their website has been reporting " errors '' for the past 2 days and instructs me to " try again later ''. I have been trying to use the website morning, noon and night for 2 days. Their XXXX number has been completely overwhelmed for the past 2 days. I entered a " callback queue '' earlier this morning and have not had a call back in the past 4 hours. I tried calling again this afternoon and the number just disconnects when you select to use the automated system. LoanCare has a duty to make themselves available to customers and has failed to fulfill that requirement. I would like ot understand what my options for recourse are if this situation does not improve.
Product: Debt collection

Requested original documentation from Midland Funding of my signature on original creditor documents. They said they didnt have it. I asked them to provide more than a statement showing validity of debt from origination of credit line and they refused.
Product: Credit reporting or other personal consumer reports

in XXXX around the XXXX i sent a request to transunion asking them to verify information they claimed was validated and verified. I have yet to receive any acknowledgement of my dispute letter and have not process anything i have sent this.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit information including personal information was involuntarily divulged by this company to unauthorized users.
Product: Checking or savings account

I placed a stop payment on a debit transaction on XX/XX/XXXX however on XX/XX/XXXXandXX/XX/XXXX the item posted to my account causing for my authorized transactions to be returned in error. I called BBVA Compasss on XX/XX/XXXX to rectify the situation and they told me that the stop payment that was placed had expired, which was information that was not provided at the time of placement. I have been adversely impacted and they state they are unable to immediately assist me all the while charging me fees. I have reviewed their stop payment policy online which does not disclose a 2 week expiration but is as followed : Stop Payment Orders. You may request us to stop payment on any check, draft, or similar written order or instruction drawn on your account by giving us the information we may request, including the account number, the item number, the date of the item, the payee of the item, and the exact amount of the item, and by paying our stop payment service charge. We will search for your item by computer, so it is essential that all information you give us be accurate. To be effective, we must receive any stop payment order in time to afford us a reasonable opportunity to act. We will confirm your oral stop payment order in writing, and the information included in our written confirmation will be conclusively presumed to be correct unless you notify us within fourteen ( 14 ) days of the date of the confirmation.

Confirmed stop payment orders will be continued in effect for a period of two ( 2 ) years from the date the initial oral stop payment order was placed or such other period of time as required or under applicable law, regulation or rule ( including, but not limited to, the UCC as enacted under any applicable law, regulations issued by the Federal Reserve Board and rules issued by the XXXX XXXX XXXX ). A confirmed stop payment order will expire at the end of the two-year period unless you revoke it at an earlier date or renew it in writing for an additional two-year period and pay our stop payment service charge. You may not stop payment on an item if we have verified to the payee that the available balance in your account is sufficient to pay such item, or if we have accepted that item by payment or otherwise. Any account owner or authorized signer may place a stop payment order, and we are not required to release a stop payment order unless requested to do so by the account owner or the authorized signer who requested it. You agree to indemnify us and hold us harmless from and against any loss, damages, and expenses ( including attorneys fee ) we may incur by reason of our refusal to pay any item upon which you have stopped payment. For stop payment orders on pre-authorized electronic funds transfers, please refer to the Electronic Fund Transfer Disclosure Statement in this Agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22, my credit score suddenly dropped XXXX points, going from XXXX ( Very Good ) to XXXX ( Good ) ; however, there is no reason for the drop. I called Experian, but their system won't allow you to talk to anyone. I filled out an online case form, but they have not responded even though they pledge to do so in 24 hours. 

I'm being harmed for no apparent reason and can't get any information from them. Please advise on how I should proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so angry and frustrated with XXXX and the different credit card companies. They have been working on my investigation for over a month, with no resolution. I have sent my police report and my FTC report that I filed along with my identification and they are not removing these accounts from my credit profile. They do not have any evidence against me, and are continuing to report these accounts. I have spent so much time so much energy, and I am so stressed from this situation. They are not helping whatsoever, and I am getting anxiety from talking to so many different customer service reps, who one promises to remove the accounts, to another one who says we never received the report, to another one who said they did receive my reports. They were all done and uploaded online and have record. Please help in resolving this matter, I need these accounts to be removed from my credit report immediately. I am not able to rent any other house, or buy car. Please help. 

The companies I am reporting are 1. XXXX 2. ALLY FINANCIAL ( 6 different accounts in which 2 accounts have been removed 4 accounts are still reporting ) 3. XXXX XXXX 4.  XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX Please help in resolving this matter, I have reported my identity theft from way back in XX/XX/XXXX. These companies have not been removed from my credit report, they are giving me very bad customer service, and XXXX  is by far the worst credit bureau to deal with.
Product: Money transfer, virtual currency, or money service

I sent funds via PayPal for a service. The person was suppose to provide a business logo and did not. I emailed the merchant and fiord a claim with PayPal. The person did not provide the logo or a refund. The person stated they didnt receive the funds but PayPal confirmed they did. 

Payment {$64.00} XX/XX/19
Product: Credit card or prepaid card

XX/XX/XXXX I went to my local Wells Fargo office and wired {$18000.00} to buy a car. I covered the wire by transferring {$7000.00} from my business checking ... XXXX to my personal checking ... XXXX and I wrote a convenience check # XXXX for {$12000.00} to be deposited to my personal checking acct ... XXXX and charged against my personal credit card ... XXXX which had a {$13000.00} limit and a balance of {$110.00} leaving an available credit amount of {$12.00}, XXXX. There was a 4 % fee of {$480.00} which would have left an available credit balance of {$400.00}. The wire transfer occurred without incident, but the convenience check was never charged to my personal credit card ... XXXX. As of XX/XX/XXXX, the available credit is still {$12000.00}. 

XX/XX/XXXX The convenience check was returned NSF, which I do not understand. My business checking account XXXX balance of {$7700.00} was taken to XXXX to cover the NSF . My business credit card ... XXXX was charged {$4200.00} and that amount transferred to my business checking to cover the remainder of the NSF convenience check. Plus other overdraft fees. 

All the above transactions were done in the bank with the full knowledge of the staff regarding the multiple steps that needed to happen. Everything went smoothly and the wire was sent. However, after discovering that my business account went to XXXX, I met with the bank rep on 2 occasions and had a couple of follow up phone calls with him. The problem was being " escalated '' and assigned to a person whose job was to solve these problems. I was told it will resolve itself in 3 days, then 5 days. After 7 days I gave up. To this date, nothing has changed. I have not been contacted by the bank. Today is XX/XX/XXXX. Had my personal credit card ... XXXX been properly charged {$12000.00}, none of this would have happened.