vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: VA

Complaint narrative:
Mohela has been absolutely terrible since it became my loan provider : -It recently put me into forbearance for a month because it was unable to account for the increased volume of customers and sent out my bill late. 

-It does not provide access to the PSLF employment certification form on its website, but instead makes sends users through several different websites trying to find the form. I eventually gave up and instead just searched for the form directly through XXXX, finding it quickly on the Department of Education 's website. 

-Mohela also has inconsistent qualifying payment tracking for each of my loans, which is incorrect, given my steady employment history. This is setting me up to fail when I soon become eligible for loan forgiveness. 

Mohela 's incompetence is a complete waste of taxpayer dollars, given the contract that it received to serve as a loan provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian has been reporting and refreshing a negative account on my credit profile, it says I have late payments from this year and last year but that is incorrect everything has been paid on time, and paid off before i tried to close the account for fraud in XX/XX/XXXX but it was kept open, and I was told that the negative marks would be removed from XXXX, this is fraud that information is not accurate and you cant prove it is It says closed my account in XX/XX/XXXX which is a lie! I closed it way before that!! 

I told Experian consistently to remove the negative XXXX  XXXX  because it was being used in fraud, and the company refused to close the account I never paid them late The XXXX XXXX should have been completely gone from my credit report!! It was fraud!!! And also my credit report says I have a recent late payment, I should have XXXX late payments!!! Your marking my with no proof I took screenshots as well just in case I have to bring this the court

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 2024-01-27 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
From XXXX XXXX XXXX I reserved a room at the XXXX in XXXX. The room was in a part of the property that was under construction, there was furniture and debris in front of the parking space, and I requested a different room but was told that they were at capacity and I was not able to move. I was not informed of any preauthorize amount, nor did I have to give a deposit. It was a smoking room, had not been thoroughly checked and cleaned before I arrived, and I was only provided with clean linens every other day. Since I had been on the road for almost 6 hours I took a shower and I turned in the towels used and the sheets, because I did not feel comfortable with the sheets that were already on the bed. It was then that I was informed that I had to wait until the day after I got there, I arrived on a Thursday night, and wasn't able to get a fresh set of linens until the Saturday. The motel manager confronted me about the linens, saying that they were ruined, due to a small amount of soil, Nothing else was ever said about it. 
So I had to use my own clothes after bathing and the bed had no sheets. That Sunday I started getting sick and I was not able to drive back home and my card was declined so my boyfriend paid for the night with his card. The Monday I was worse so I went to the emergency room. I would have to stay another night at least. I did not stay in the same motel, I chose to go to a cleaner, more quiet motel. 
In my way home the following Tuesday I got an alert that my account was locked and I had to pay {$610.00} to restore it. I called the card company immediately to find out why I was being charged such a high amount. I had tried to call the motel to speak to management and I was not able to get anyone to help me. I don't understand why the card company allowed my card to be charged {$610.00} for the sheets. My boyfriend was not charged, he used his card after I was checked out and they did not charge him anything. I have file a dispute twice, sent in all of my supporting documents, photos, and the charge is still on my account. I don't think the company should have allowed me to be charged if the money was not there, and since the allegations were untrue. I have never caused any damage to any other lodging providers in the past and at almost XXXX, my partying days are over. I was told the last time I tried to get it resolved I would need to provide new supporting evidence. What more can I provide that I have not already done? So I am now requesting assistance with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have been trying to cancel an unused Elan Financial Services credit card for years. My cousin opened the card for a business we used to have with both our names on it and it has not been used in many years. I have tried to cancel it and they tell me my cousin needs to call since he opened the account. I spoke to my cousin as recently as yesterday and he said he is also getting nowhere trying to cancel the card. I got a letter at one point from the credit card company saying that because it had not been used for so long, it would be cancelled. But that didn't happen. They issue service charges every year to keep the card open and up to this point I have paid them, but it is like I am being held XXXX. This is an old, unused card that we want cancelled. We just want the card cancelled and are getting nowhere with the company.

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 2024-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LoanCare, LLC
State: NY

Complaint narrative:
For over six months I have had my account set up for auto pay and I am actually ahead on payments. On XX/XX/26 I attempted to update my banking information ( new bank which I had previously had set up with LoanCare ) and received a error message when entering the routing number. I called customer service and was told they can't/wo n't set up auto pay due to a bankruptcy XXXX years ago. I told the rep for more then six months I have had auto pay set up. Rep tells me she doesn't see this and I must have used bill pay. I again assure her I had previously set up successfully auto pay on their company 's web site. After getting nowhere I reached out to a XXXX XXXX in Loancare 's Office of the President for help ( XXXX who had reluctantly helped with previously issues. Each time I call I get voice mail and leave a message which is never returned. It is as if Loancare wants the customer to miss a payment by now forcing the customer to either call every month or mail in a payment. And to be lied to and told I never had auto pay set up with Loancare even though for more then six months I did is a shock. Company is extremely difficult to work with.

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 2024-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
To whom it may concern, please understand that I was approached by an XXXX woman via a phone call who intentionally called me in order to start a relationship with me. Over the course of several months, she nurtured the relationship with me in order to convince me to invest money on the XXXX XXXX platform which I did and my investments began right around the XXXX XXXX XXXX, 2023. I started transferring first small, then bigger, and bigger amounts of money from my Wells Fargo account in order to support my investments, with her as my broker and guide. Somewhere around XXXX this year is when I saw what I had assumed were profits from my investment efforts, which were falsely presented and utterly fabricated. This is when I wished to withdraw my earnings, however, she informed me there was a problem with my account and that I should contact the support team. The support team asked me to pay taxes for my alleged earnings and even connected me to an individual who represented themselves as a US agent of Law Enforcement. After being asked to pay taxes in XXXX different states as well as an Anti-Money Laundering tax, I sadly realized that I was being scammed all along. My total investment amounted to XXXX USD at that point and this is the total amount I had transferred from my Wells Fargo account to the XXXX XXXX platform in order to fund my investment which I believed to be a real endeavor. I was absolutely crushed when I realized that I was being tricked all along, maliciously manipulated into giving away my fund. I am a father of XXXX XXXX  and the reason I was doing something like this is to support my family and help my XXXX  on their lifepaths. In these trying times, with agile professional thieves lurking and engaging honest, hard-working, and family-oriented people like myself, I must turn to the conclusion that I could have been protected on a higher level by you, my bank of choice . I must question why this type of erratic activity on my account was never investigated and why I was not stopped from making these ill-decided investments. I must ask you to honor my choice of you as my financial services provider and my long-term loyalty and help me by reimbursing this amount of XXXX USD that you have helped facilitate from my account into a non-lucrative investment, induced and led by scam artists which predate and make use of your system and client negligence to this very day. I humbly request that you help me get back on track with my life as a father of XXXX XXXX XXXX  that need me to provide for them and assure me that my client relationship with you is a valuable one and that I have not wasted all these years by putting my trust in you to guard my assets, even against bad decisions I might make, maliciously persuaded to do so or otherwise.

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 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
account # XXXX has been paid of in good standings before pay off date. also the dates are wrong on my report. it shows no history of payments

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Gitsit Solutions, LLC.
State: PA

Complaint narrative:
Our mortgage was originally with XXXX XXXX, however, its been transferred over to a collection agency based in California. Prior to XXXX we had a loan modification due to my husband not being able to return to work due to his health. The doctor permanently XXXX him for health reasons. Due to the facts and proof sent from my husband 's doctor to XXXX a loan mitigation was processed and it settled with a loan modification due to health reasons. Soon after XXXX hits and we applied for the CARES Act for an entire year with the assurance of the bank that all they had to do at the end of the CARES Act is add the amount that was paused for the year to be added to the end of the loan and to resume normal payments thereafter. In XX/XX/XXXX I was given another XXXX month extension until XX/XX/XXXX to start payments due to my loss of income due to XXXX. We all at home got XXXX but it affected my husband the most. He's currently on XXXX  till this very day. I'm his XXXX  FT. XX/XX/XXXX was when I got a hold of the mortgage company to see what has to be done to get back on track. There was alot of back and forth and paperwork was never received on their end when it showed complete on my end. Many things were going on at the same time my husband 's health takes priority. Some time after that we're presented with Sheriff sale and foreclosure for the money that fell under the CARES Act. They wanted us to pay it in XXXX lump sum which I knew wasn't right either. My husband had to file XXXX XXXX bankruptcy to get out of foreclosure but it went from bad to worse because they had us paying back double the money for XXXX years! The only income at the time was my XXXX  and mine. We still have XXXX more kids and other bills to pay. We couldn't keep up with the payments and the bankruptcy was dismissed without us attending the hearing! It was scheduled on a certain date but was really held on a different day without our knowledge! Now here we are back on square XXXX with Sheriff Sale on XX/XX/XXXX. Its no longer XXXX XXXX  its now with XXXX a collection agency from XXXX . Income is better now but what can be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX XXXX to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. 

CD account XXXX matured XX/XX/XXXX. Called BMO Harris customer service XX/XX/XXXX ( XXXX ) to close account. Reference number XXXX. Notified account would be closed in XXXX days and check would be issued in XXXX business days. Notified XXXX that I have not received the first check and can he find out the status. No updates available. 

Every other bank institution that I have dealt with have sent the funds electronically with XXXX business days.

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 2024-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank informed me that they would only deposit physical checks at the branch and not digital checks and that they could do nothing to resolve the application problem. The application continues to show an error when I select the option to deposit the check and every time I try an error message appears.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 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: MN

Complaint narrative:
My identity has been used without my consent acknowledge nor my permission please delete and remove this fraudulent inquiries from my credit report immediately inquire : XXXX XXXX ( Finance ) XX/XX/2024, XXXXXXXX XXXX XXXXXXXX ( Auto ) XXXX, XXXX XXXX  ( Bank ) XX/XX/2024, XXXXXXXX XXXX XXXX ( Bank ) XX/XX/2024. This inquires are unauthorized these illegal inquiries are reported illegally on my check systems report, XXXX report, XXXX report, and Trans Union report. It must be removed ASAP Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. 
And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately And and send the required notifications to all furnishers of this information under FCRA 605B ( 15 U.S.C. 1681c-2 ) these inquiries must be deleted immediately 15 U.S. Code 1679c - 15 U.S. Code 1681c1 - Identity theft prevention ; fraud alerts and XXXX XXXX alerts 15 U.S. Code 1681 - please remove these unauthorized inquiries by law thank you 15 U.S. Code 1681b - Permissible purposes of consumer reports

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 2024-01-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Credit Karma, LLC
State: MA

Complaint narrative:
A hacker stole my personal information, my email and changed My password in my Bank account, my Credit karma account, and my XXXX account and started applying for credit cards, loans. The hacker changed my XXXX  account from my Job and changed my email and Bank account to receive my paycheck. He stole my money from XXXX XXXX XXXXXXXX and it is still under investigation. 
The hacker as well sent me a threating letter saying he is going to destroy my life if dont deposit XXXX to his XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to file a formal complaint against Equifax regarding inaccurate information on my credit report. On XX/XX/XXXX, I initially contacted Equifax to address the following discrepancies in my credit report. Despite my initial inquiry, I have not received a response to date. The details of the inaccuracies and the necessary corrections are outlined below : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3.00} ) : Incorrect information : The account was reported as late. 
Requested correction : Please correct/update this inaccurate information on my credit report. 

XXXX XXXX Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$210.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) : Incorrect information : Balance seems higher than remembered ; reported as closed, but Past Due amount provided. 
Requested action : Report the account as disputed while I address the issue with the creditor. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX ( Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$900.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report. 

XXXX  ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00}, Original Creditor : XXXX  ) : Incorrect information : The account does not belong to me. 
Requested correction : Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have an installment loan for my solar panels. The loan is for XXXX years and im trying to pay it off early. Dividend Finance wont apply any extra payments to the principal. Any extra payment is processed like a regular payment and interest is paid before any principal is paid. My regular payment is {$210.00} per month. In addition I pay {$200.00} a month that I want to reduce my principal but they wont apply the entire extra amount to the principal.

Company response to consumer: Closed with explanation