vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
In sum : Mohela account marked " past due '' before the 2-3 business days passed for payment clearance confirmation. 

I enrolled for auto debit for my federal consolidation loan managed by Mohela. I received confirmation stating my first payment may have to be done manually. On Mohela 's website it stated that payments processed in 2-3 business days. 

My payment was due XX/XX/23. I checked XX/XX/23, 1-2 business days later, just to be safe. My account said it was past due. I paid it immediately. 

There was no way for me to verify if my auto debit payment completed before my account became past due.

How am I expected to verify if the auto debit was successful after 2-3 business days after due date if I am marked " past due '' immediately? 

I see many other consumers are having the same problem. I attempted to call and the office was closed. I filed an online complaint with Mohela. With some forum searching I see many users are facing call holds of 3+ hours.

Please address this ASAP. I do not want my loans serviced by Mohela. Their practices are completely unacceptable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My account and card was repeatedly hacked for the past few years. Most recently {$2800.00} stolen from my account. After I had it frozen and new card sent because I was told someone was tyring to hack it and called not being able to say my name properly. Clearly the information was not relayed to the agent that allowed a person to change my email and wire XXXX XXXX XXXX XXXX 

This last one took weeks for me to get the funds back and was told they could not promise me they would get the funds back. I was totally stressed, unable to pay for my daughter 's after school activities, was behind on rent and charged, car payments bounced. 

I have had probably 6 cards in the past 3 years. Every time I got a deposit my card got hacked and I would have to wait for this to be fixed and/or new card. 

It was extremely stressful probably cost me over a few XXXX XXXX  or more in fees for bounced payments for rent and bills. Caused me to. miss deadlines, unable to pay for gas and utilities causing me to cancel important apts. 

I dom't understand how my account could be hacked that many times and how they were not able to fix the matter. The indivicual ( s ) clearly knew when I was getting a deposit and that to me shows a big issue with Bof A security and privacy policies and system.

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 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
THE COMPANY IS TRYING TO COLLECT A DEBT THAT IS NOT MINE AN ACCOUNT THAT WAS OPEN IN MY NAME VIA FRAUD

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Hello, I am aware I have a XXXX XXXX XXXX XXXX & I understand how that works/means ... for my XXXX XXXX XXXX XXXX XXXX I have paid my monthly payments early since day 1 to minimize the total amount of interest I pay for the life of the loan. I paid my XX/XX/XXXXXXXX  payment on XX/XX/XXXX which means I am paid ahead my next payment was not due again until XXXX which I paid on XX/XX/XXXX this payment in the amount of {$180.00} was paid online and scheduled as the XX/XX/XXXX Payment. I then paid my XX/XX/XXXX payment on XX/XX/XXXX again I am paying early to decrease the amount of interest I pay over the full term of the loan. 

Santander applied the XX/XX/XXXX monies received as a interest only payment and will not reverse it and apply it correctly as intended as the XX/XX/XXXX payment. I am being told the interest had to be bought current. However, what I don't understand is why am I being penalized and being charged compounded interest by paying early I have requested these monies be reversed and reapplied correctly as a regular monthly car payment as intended ( or refund me directly so that I can remit again as a regular payment when due to receive proper credit ) and they have refused to apply them correctly I have paid this loan early and never been late or missed a payment I only want what is fair how can they take my XXXX payment and apply it to interest when I was paid 1 month ahead in my payment obligation. Please help I do not have XXXX to just give away and not receive any benefit of my hard earned $ when I am paid ahead... I am a XXXX XXXX and do not see how this is fair... This seems Predatory how can they charge additional interest when they received benefit of my payments early where is my benefit I did not see any Prepayment penalties disclosure in my contract. Any assistance you can provide is greatly appreciated... Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I asked the XXXXXXXX XXXX company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX  record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SLM CORPORATION
State: FL

Complaint narrative:
I asked the XXXX XXXX  company to correct the problem but they don't do it, they have awarded me a double invoice, they have created two debts with different amounts and I have only bought a washing machine with a vacuum cleaner and on top of that they are in poor condition and they do not solve the problem yet. 

In my XXXX XXXX record there is double debt, two bills, one for {$1800.00} and another for {$1600.00}, the total being {$3400.00}, when the sum of my purchase was much lower. 

Since this purchase at XXXX XXXX, several entities have used my information without permission and have deteriorated my credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
AN ACCOUNT WSAS OPENED IN MY NAME VIA FRAUD, I ADVISED COMENITY BANK OF SUCH I WAS GIVEN THE RUNAROUND AND EVERY TIME I CALL THEY DONT GIVE ME ANY RESULTS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Mohela put my formerly REPAYE loans into level repayment status while processing my SAVE application. Mohela is demanding payment under the level repayment plan, in contradiction with guidance on their own site : " your payment will be recalculated before it is due. '' These loans should have been in forbearance while Mohela drags their feet processing applications. Repeated attempts to contact Mohela have yielded no results. Further research indicates this is a known and ongoing problem with Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have recently been dealing with a company that collects for LVNV. This process has gone on for months. I have sent letters and letters for validation. After meeting with the plaintiffs attorney we set a court appearance For the trial The trial was set for XX/XX/2023 at XXXX XXXX. The plaintiffs attorney said they had mailed out for a change in the date I never received in mail the notice of change of date. The new date was set for the XXXX of XX/XX/2023. On that date the clerk of the court called and said we missed the date. At that point we told her we were ready for the XXXX of XXXX. I immediately sent a letter to the judge with no response. The amount due on the claim was {$1400.00}. While this claim was being validated they continued to try and collect. The next time they send a notice to pay the amount went up to {$150000.00}. I could not get an answer to why. 
Since we did not show on the new date a judgement was ordered. I firmly believe this action violated my 14th amendment for due cause. I should have been given the right to defend myself. I recently wrote to the judge referring my 14th amendment rights were violated. I have requested that the judgement be reversed. So now I am sending an affidavit to the court and a letter explaining the circumstance. While this is going on I receive a letter from Resurgent that they can't validate my claim. So now I have a judgement for something I don't owe. 
Resurgent, LVNV and the plaintiffs attorney are discussing and probably knew that all along. They most likely did not present it to the judge

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I had my debit card stolen and was used for a website called XXXX XXXX. I reported it to my bank and it is almost 2 months since I made the report Ive had the account open for 3+ years I received no credit from the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: MO

Complaint narrative:
some repair company I paid was trying to fix my credit I did not advise them they could open up accounts in my name and I came to find that an account by XXXX XXXX was on my credit report via fraud the company I paid {$2800.00} did nothing but added this company and didn't pay the bill for this is fraud and I want this fraud removed from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: MO

Complaint narrative:
West Lake Service allowed someone to use my name to get an auto loan that is fraud for this loan is not mine and id due to fraud

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 2023-10-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: DE

Complaint narrative:
We contacted Freedom Mortgage on XX/XX/XXXX because we had a recent escrow analysis completed with the incorrect information. The escrow analysis projected our real estate taxes for XXXX to be {$2400.00}. My wife tried to explain to both customer service and the Tax Department that for the XXXX tax year, we were only billed {$1700.00}. The amount disbursed from escrow was only {$76.00} due to a credit we had of {$1700.00} from overpaying at closing. We requested multiple times for the tax amount to be updated to {$1700.00}. We initially were told it would be updated, then they said they needed documentation from us. We don't receive our tax bills since it is paid from escrow. We explained multiple times that they could visit our county website of XXXX XXXX XXXX and easily see the amount we were billed just like we did. We were told by XXXX XXXX this issue would be resolved by XX/XX/XXXX and we still have not had any updates. My wife handles mortgage servicing for another bank and has worked in this industry for the past 14 years so this should have been a very easy process. We asked to have our XXXX taxes updated to {$1700.00}. Then, after it was updated, we wanted a stop payment placed on the escrow refund that was sent to us for {$2300.00} and the funds deposited back into the escrow account. Once the funds were deposited, we requested for a new escrow analysis to be completed effective with the XX/XX/XXXX payment. So basically void the last escrow analysis completed. It is important that the effective date of the payment be XX/XX/XXXX and the previous escrow refund be stopped and placed back into the escrow account before completing the new analysis. Our monthly payment beginning XX/XX/XXXX should be around {$3000.00} with the escrow portion of our payment being {$210.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: AFNI INC.
State: VA

Complaint narrative:
XXXX XXXX cancelled on XX/XX/XXXX. XXXX continues to try to collect a full monthly payment of {$120.00} for period XX/XX/XXXX through XX/XX/XXXX. XXXX has sent this to a debt collector. XXXX has continued to mail billing statements, send text messages, and call. I have sent a detailed letter to the debt collector with a check in the amount of {$20.00} to pay XXXX for service from XX/XX/XXXX through XX/XX/XXXX. I have sent a separate letter to the CEO of XXXX with a copy of my letter to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
On XXXX XXXX, I tried to make a payment on XXXX for {$1900.00}, which is less than what was on the card at the time. When I did it said that the payment was declined by the issuing bank. I then called Amex support and was told that it was the fault of the vendor, I went back to the vendor and they said it was once again the issuing bank aka Amex. Amex said that they had declined it for my safety and couldn't authorize it. I attached an image of the declined payment. I also tried much smaller amounts and that didn't work either, On XX/XX/2023 I tried to purchase a product from XXXX for {$280.00} and it was also declined by the issuing bank, I tried to get XXXX to re-try but it wouldn't go through. I called Amex and they told me the same thing, that the issue was with the vendor, XXXX reassured me that it wasn't their fault. I attached an image of the declined payment. 

On XX/XX/2023 I tried to a make a purchase on XXXX for {$930.00}, which again is less than the amount on the card and it was declined by the issuing bank, as confirmed by XXXX XXXX. I called Amex and they said it was the vendor 's issue, but the vendor had confirmed that it wasn't. I attached a photo of the failed payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CO

Complaint narrative:
I C SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) is reporting a debt of {$640.00} to XXXX and XXXX. I have advised XXXX and XXXX this is not my account or debt. The opening date that both XXXX and XXXX is reporting is XXXX. I was a monor at the time I was only XXXXXXXX XXXX  I advised them that my identity was compromised. And I sent proof of my age at the time this account was opened. THIS IS NOT MY ACCOUNT. PLEASE HELP. TY

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 2023-10-22 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: DC

Complaint narrative:
Hi, this is XXXX XXXX XXXX 

This is what happened someone applied for a credit card account in my name online. 
Equifax allowed someone to issue a Hard Inquiry on my credit report. I never applied online for a credit card account through XXXX. 

The lender that XXXX XXXX uses is XXXX XXXX I don't have an account with either or please inform these two institutions regarding this matter so I can move forward with my own life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: EdFinancial Services
State: IA

Complaint narrative:
I have tried calling Edfinancial four times, and all times I have been on hold for over an hour and had to go to work. I have checked my account, I have sent several emails with no answer, and now I was forced to autopay an amount that was too high, with a higher amount coming out in XXXX. Edfinancial is saying I need to pay XXXX a month, which is higher than my mortgage. I am chronically ill and went back to school to get my XXXX so that I could become a XXXX XXXX XXXXXXXX. Due to my chronic illness, I can only work part-time and will only be paid a fraction of my salary until I get XXXX hours completed in the XXXX XXXX XXXX. I work in a rural town and have mostly XXXX clients, which even lessens my salary more. I am now making less than I made with Social Security. Never did I imagine a payment that would threaten to take everything. I felt somewhat relieved when XXXX XXXX tried to help but offered the XXXX program. When I went to XXXX and applied for the program and it said it would be XXXX a month. I can make this work for now. We were planning on buying a new house and moving so that I have less of a drive, but now we are stuck with spending no money and selling everything to try and make any sort of payment. This company is predatory in not answering the phone and not responding to emails, and not processing the SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax lies about account verification. Their support individuals on the phone admitted they have no proof that an account should be on my credit report. All they do is get an electronic feed that has my name and social number from a company, but no documentation of proof - no signed documents, no photo validation, no correct phone or email address, and no legal agreements. So this account is due to fraud, I have proved that, and Equifax has no information that shows otherwise, yet they continue to leave this fraudulent account on my report, a direct violation of FCRA. 

Equifax needs to remove the XXXX account from my credit report. I have contact both the issuing bank Deserve, and the named website company XXXX. They admit that this account isn't mine with the incorrect name, email, address, and phone number. They said they are receiving no verification request from Equifax. This is a clear violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The listed address below is inaccurate and violates my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 6192 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

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 2023-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: GA

Complaint narrative:
After reviewing my credit file on XX/XX/23, I identified a discrepancy with account listed under Designed Receivable Solutions. I requested validation on XX/XX/23 as this was not an account that I recognized. They responded with a copy of the debt that I don't recognize without any validation. I reviewed my credit file again on XX/XX/23 and this account continues to reflect on my credit report. On XX/XX/23, I sent out a 2nd validation request letter. I have not received any response and as of today XX/XX/23, this account is still being reflected on my credit report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Park Hill Holdings
State: IL

Complaint narrative:
Corelogic submitted inaccurate information to XXXX XXXX XXXX Concerning tenant screening, which caused me to have my application being denied.

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