vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-31 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: TX

Complaint narrative:
I received a letter from Mohela, telling me that my federal student loan account has been moved from federal student aid to Mohela. It had an account number of XXXX. On XX/XX/XXXX, I called XXXX and spoke to XXXX. She told me that my name, XXXX, and address were attached to this account. She also said phone numbers XXXX and another one ( different area code ) which I did not write down ; and XXXX were attached to the file. She said that since my SSN was used, it was fraud and to call the fraud hotline at XXXX. I called that number and spoke to XXXX, who looked up all the info. She was able to tell me that on XX/XX/XXXX, a loan for {$3100.00} was disbursed to XXXX University, School ID XXXX, with contact info XXXX XXXX at XXXX. 
I have never heard of this school ; no one in my family has gone to college in over a decade ; and we have never applied for a student loan. 
I would like my social security number, phone number, address, and name removed from this student loan ; and I would be happy to prosecute the person who has stolen this information and used it for their own gain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair credit Reporting Act XXXX  account XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. states I have the right to privacy.

15 u.s.c 1681 section 604 A. A Consumer support agency can not furnish 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 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am contacting you because I am being harassed by Comenity Bank. I have been getting calls after hours and they have Twice now called my father 's phone to try to talk to me! I have never given my father 's cell phone number or his house phone number to this bank, so how did they get these numbers? And it is ILLEGAL to call My father 's house and cell phone to try to locate me and in doing so it creates a breach of contract with me. I know so because it states this with the Fair Debt Collection Practice Act. 
I am getting calls before XXXX XXXX in the morning and calls up until XXXX almost XXXX at night from this bank and that is clear harassment. They are not allowed to call me before or after hours. 

This has been going on for a few months now the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
I keep submitting complaints against Resurgent Capital. They keep claiming they are going to delete my information but keep sending letters. Can they be held accountable?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX, Transunion, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under XXXX5 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX B XXXX XXXX XXXX VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to the 15 USC 1681 section 602.A states I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Mr.Cooper ( Nationstar ) is a mortgage company that services my mortgage.

There was an NSF fee charged on my account which is more than the scheduled of charges listed on their website. 

https : //www.mrcooper.com/XXXX  They are charging an NSF fee ( {$50.00} ) that is more than the legal amount allowed by the state I reside in ( Ohio ) . 

I reached out to the company to get a refund Via a chat contact on XX/XX/2022. The company representative was unwilling to discuss or refund the excess fee charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I purchased a chair online and used affirm for the financing. The company I purchased the chair from says they never received the order and have no record of my purchase. Affirm is still charging me for the loan even though I've filed complaints, no response. I just want this loan cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX  opened XX/XX/XXXX XXXX for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX , I was also a victim of the XXXX XXXX breach, XXXX XXXX XXXX XXXX  data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on or around late XX/XX/XXXX my wallet was stolen in which I filed a police report with the XXXX police department in XXXX GA. my wallet contained my personal ieentification card, driver 's licencse, banking information, access number, bank, debit cards, various account password log list, vheicle insurance information and other senstive information that I could not recall. I have been seeing these fraudulent accounts on my credit report : XXXX opened XX/XX/XXXX for {$300.00}, XXXX XXXX opened XX/XX/XXXX for {$190.00} XXXX XXXX XXXX opened XX/XX/XXXX opened for {$300.00} XXXX XXXX XXXX opened XX/XX/XXXX {$300.00} XXXX online company XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for {$300.00} fraudulent address : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX I was also a victim of the Equifax data breach, XXXX XXXX XXXX XXXX data breach between XX/XX/XXXX and XX/XX/XXXX, had my back account hacked XX/XX/XXXX. I have filed police reports on XX/XX/XXXX, XXXX, XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
They say I charged and I say I paid cash. I have been trying to get them to talk to me and help me with the for a while. It happened in XXXX and they keep having excuses for why they keep charging me. I even sent extra money to make them stop and they wont! 

This is for Comenity bank - Maurices

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Since the onset of the forbearance plan ( XXXX of XXXX ) and the COVID pandemic USbank had assured me on MULTIPLE occasions that when the forbearance expired the bank would have SEVERAL options to help us stay in our home. We had talked to multiple " Relationship Managers '', and various people from USBank, our Relationship Manager changed multiple times. When the first year began to expire and I touched base to figure out my options, I was given two options. One option was to have a separate loan for the forbearance amount ON TOP of our regular mortgage payments. So we would be paying more. The other option was to add the forbearance plan on the back end of the mortgage, our mortgage payments would increase. These were very disheartening options because the only thing I had reiterated EVERY time I talked with a USbank employee was that I needed a lower mortgage payment. She had then directed me to a local branch to talk to a mortgage lender to see what the possibilities of refinancing would be, obviously after the fact of COVID, and with no relation to hardship. Which I will point out no one ever got back to me locally. So after about two frustrating phone conversations, I had received a call from USbank about a mortgage assistance program ( XXXX of XXXX ). We were sent the paperwork, gathered all the necessary information and even extra to show our hardship. When we received a call after submitting the paperwork, we learned that we should not have received the mortgage assistance plan until after the first day of the last month of our forbearance. It was during this phone call when everything was explained in detail that made sense, and the woman made extensive notes on our file so the next person we talked to would have a better understanding of what we had gone through. Finally, we come to the last phone call, in which we were given four different options, including filing for the mortgage assistance program. Unfortunately the best option for us is still not adequate. Our monthly mortgage payments dropped by over {$100.00}, but its still not affordable to us. Our interest rate dropped by nearly 2 % which is a decent amount over the life of the loan. And the language USbank insists on, for us to state our hardship is over, just to be eligible for any of their programs is false and counter productive. It is very much a loophole USbank is forcing us to admit so in the future the bank wont be held accountable if we struggle and try and get more help. I am truly disgusted with the banking industry in this country, the amount of freedom to profit off the American people, while still having the ability to strong arm the government into endless bailouts is abhorrent. In the end I contacted our Congressman, XXXX XXXX XXXX, who referred us to the CFPB for further assistance.

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 2022-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
I contacted XXXX the " originating '' company and they said they can't find any debt that matches the one on my credit report. they said they can't stop if it they can't find it they said their account numbers are 10 digits and this one is 8 on my credit report from some scam collection agency. 

I have had XXXX phone service and XXXX since XXXX I never had XXXX. 

XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, WA XXXX I filed a dispute with XXXX they change the amount from XXXX to XXXX said it was a new amount so valid. 

This is 100 percent FRAUD not my account. Please help Account name CONVERGENT OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$2000.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I enrolled in Experian 's Boost feature on their website, connecting my bank accounts so that streaming service payments could be identified and reported as payments on my credit report. The goal is supposedly to boost your credit score by a few points - at least that is what Experian advertises ( https : XXXX  XXXX ) and heavily promotes. 

But my accounts have not been added and I have not received any of the promoted " boosts '' to my credit score for regular payments. When I called today, Experian customer service stated that I had to have utility bills, streaming services, or phone bills to qualify, and that those services had to have been paid three times in the last six months. 

My streaming services are : XXXX -paid XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX - all in XXXX. 
XXXX - Paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX- all in XXXX  XXXX XXXX  account # XXXX - paid XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - all in XXXX XXXX XXXX account # XXXX - paid XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

None of these accounts have been added to my credit report as promised even though I have exposed my bank account information to Experian on their promotion and advertisements that I would. 

The Experian website states that the bank connections from XXXX XXXX to Experian were successful, so there are no connection issues. 

When I called I was told there was no " guarantee '' that these would be placed on my credit report but the advertising and promotions say 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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THERE IS NAMES AND ADDRESSES THAT DO NOT BELONG TO ME

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 2022-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
WF CRD svc, THIS BANK SENT A REPORT THAT I PAID LESS THAN THE FULL BALANCE THIS REALLY DAMAGE MY RECORD, WE SETTLED AN AMOUNT XXXX OR SO. TO PAID AND THEY AGREED THE AMOUNT BEING PAY MONTHLY SO STARTING PAYING ON XX/XX/XXXX AND CANCELING THE DEBT ON XX/XX/XXXX. WF CRD SVC NEW THAT I LOST MY JOB THEY OFFERED ME TO SETTLED LESS IN ORDER TO PUT THE ACCOUNT IN GOOD STANDING. BY THEY SENDING THE REPORT IN NEGATIVE STANDING IS REALLY IMPACTING MY CREDICT SCORED. I PAID ON TIME AS WE ( ME AND THE WF CRD SRV AGREED ) WHY THIS ACCOUNT IS NEGATIVELY REPORTED ON THE BUREAUS? i WISH TO SOLVE THIS ISSUE AND AND HOPEFULLY THE NEGATIVETLY BE DELETED INMEDIATELY. PLEASE. THANK YOU

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 2022-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Experian Credit Bureau about the XXXX XXXX account still showing as CHARGED OFF AND close, but the Lenders are able to open the report to see a Charge-off balance of {$16000.00} The original balance was reported as {$17000.00} in XX/XX/XXXX ( date of the original loan ). The payments were {$400.00} per month. Payments were set up at 72 months which is six years. Payments were paid on time from XX/XX/XXXX to XXXX  XXXX per month. The total amount out of pocket paid was {$19000.00}. How is the balance still {$16000.00}? I have wrote XXXX XXXX XXXX so many time in XXXX asking for the balance on the Loan. I never received an answer. Finally in XXXX of XXXX I check to see the credit Report at all three Bureaus and the account was Charged off without reporting the balance to a collection Agency. This loan has been taken care of by XXXX. I noticed on the XX/XX/XXXX Credit report I requested from Experian the balance was {$15000.00} the payments continued until XX/XX/XXXX. The balance on the account should be showing {$4600.00} instead of {$16000.00} There was only XXXX ( XXXX ) more years to pay for the vehicle. Experian continue to say the Creditor is reporting {$16000.00} as of XX/XX/XXXX without speaking to anybody.

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 2022-05-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Point Digital Finance, Inc.
State: AZ

Complaint narrative:
Original application was submitted XXXX XXXXNo communication on what is needed for next steps causing important documents we are sending in to expire and having us reapply and resubmit the same documents. It has been a little over three weeks with all final Task being completed and we were advised to wait for next steps. Reached out today and was advised by the rep once again my documents have expired and needed to reapply to be considered.Have asked multiple reps within the past month to escalate my matter with a manager or someone higher up and still have not received any communication.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Hello, I am having problems with Citizens Bank. 
My original home loan amount was {$310000.00}. 
Due to the pandemic, I had to get a forbearance. At this point my loan balance was {$310000.00}. 
I have since deferred my loan and am now selling my house. According to my calculations, I have paid {$17000.00} in total towards the principle of my loan, and should owe less than XXXX. 

I called the bank to get a payoff amount and they said it was {$310000.00}. This is only {$1000.00} less than the original loan amount. 

The bank told me my payoff amount is about XXXX due to them adding {$14000.00} to my loan for the time I was in forbearance. 

I have called the bank several times only to get the run around from one department to another, as well as having my call disconnected several times, without anyone being able to justify why I am being charged so much. 

Please help me remedy this situation. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation