vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
While I was checking my credit report in the XXXX XXXX app, I noticed my credit score dropped XXXX points. I thought this was curious, so I did some digging and saw there is a debt trying to be collected by SEQUIUM ASSET SOLUTIONS dated XX/XX/2022 for {$6800.00} from XXXX XXXX. I have never ever had any affiliation with XXXX XXXX, in any capacity. This is clear fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: SC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} REC XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX : {$1100.00} XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2023-02-11 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: SC

Complaint narrative:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : {$7000.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$84.00} XXXX XXXX Balance : {$1300.00} XXXX XXXXXXXX Balance : {$7000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$950.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} XXXX XXXX XXXX  Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I was misled by Wells Fargo 's advice to accept a Balloon Mortgage as my secondary mortgage back in XXXX. 

As a first-time home buyer in XXXX, Wells Fargo advised me to take a balloon  mortgage as a second  mortgage instead of PMI. I did not understand what a balloon  mortgage was and trusted their advice. They said I could refinance and roll the balloon mortgage into my primary mortgage in a couple of years. Every couple of years, I tried refinancing and they said I was unable to refinance. They also said they were not familiar with balloon mortgages and were unable to assist. Every time I called for help or visited a Wells Fargo office, they told me they were unfamiliar with balloon mortgages, or they no longer offer them and were unable to help me. I even had XXXX lady at an office say she did not have my phone number and that is why I was never contacted about refinancing ( my phone number was clearly listed on my account ). I also requested an amortization schedule in which they showed my mortgage as a conventional loan ( see attached ). Then they said that the amortization schedule was an error and they made a mistake. 

Loan Origination : XX/XX/XXXX Loan Amount : {$46000.00} Loan Interest : 9.25 % Maturity Date : XX/XX/XXXX Amount paid on this loan to date {$55000.00} XXXX today : {$37000.00} The balloon mortgage has now reached its maturity and I am unable to pay the balance and I can not afford to refinance and pay this off. This has been very frustrating and a huge financial burden on my life. Since the Dodd Frank Act, Balloon mortgage loans should be forgiven for first-time home buyers and illegal in general. 
Please provide transcripts for the following : XXXX. In XXXX of XXXX, Wells Fargo representative said I could refinance the second mortgage into a single mortgage in a few years and that is what most people do. As a first time home buyer, I did not know better and took their advice. Wells Fargo records all phone calls, I would like to obtain the recordings and transcripts from XXXX and XXXX of XXXX. Please provide. 
XXXX. In XXXX of XXXX, the Wells Fargo representative also described the loan as a credit card. At that time, I was in the habit of paying off my credit card balances every month. I understood the loan to be a simple loan. Again, Wells Fargo records all phone calls and I would like to obtain recordings and transcripts from XXXX and XXXX of XXXX. 

I am learning more about the Dodd Frank Act and believe this issue should have been resolved back in XXXX. Can you please provide information on how the Dodd Frank Act applies to pre-existing balloon mortgages?

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 2023-02-11 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: TX

Complaint narrative:
FCRA Violation: name and address 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 XXXX XXXX

FCRA Violation: auto loan not mine
XXXX XXXX XXXX XXXX

FCRA Violation: auto loan never late
XXXX XXXX XXXX  
FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: student loan never late
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation: hard enquiries 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 Violation: collection not mine
XXXX XXXX XXXX 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 2023-02-11 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: CO

Complaint narrative:
Experian is disgusting!!!!!!! They have lied to me over and over promising to " block '' the late payment information from " XXXX XXXX XXXX '' if I supplied them with Fraud documentation. Everytime time I call Experian 's Fraud Department I get a different set of requirements. Each time its more rediculous than the last request. The first time they said " Oh we need Police report '' the second time it was " Oh we need a police report that says Identity Theft on the report '' the third time it was " Oh we need a police report along with your identification '' and the fourth time " Oh we need the XXXX XXXXXXXX to sign your police report '' and on and on like i'm supposed to be a fool and be delayed every ( 30 ) days while they drop my credit score XXXX points. I have also included their emails showing all the " excessive and unreasonable requests '' see attached. CFPB you say that you regulate these people but you don't. Experian is not accredited by the BBB and they have XXXX XXXX complaints against them and counting. I question how they have been able to get away with their " juvenile delinquent '' behavior and not once has the CFPB ever corrected them. Experian was sucessfully sued in XX/XX/2022 for {$22.00} Million Class action settlement for sending incorrect information about consumers to third parties. https : XXXX. And sued once again for their {$16.00} XXXX XXXX XXXX XXXX XXXX XXXX got hacked and their client T-Mobile customers information was leaked https : XXXX. All the Attorney XXXX got paid but none of the customers did? Sounds like they are making mistakes all the time and what is the CFPB doing to protect the general public from an agency gone unchecked? Apparently nothing. You ever heard of XXXX? Well its not just something that XXXX said its actually in the XXXX. You reap what you sow ... .God is not a fool and he will not be ignored any longer, you can be certain you will reap what you sow. XXXX 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 2023-02-11 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: TX

Complaint narrative:
see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
The XXXX XXXX XXXX XXXX XXXX XXXX care account is satisfied/paid in full. However, the still open dispute on this website ( XXXX ) wouldn't allow me to dispute directly on the Experian website.

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 2023-02-11 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. I have never been late on payments for the account : XXXX & XXXX XXXX  XXXX XXXX : {$230000.00}

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 non-monetary relief
Consumer complaint received 2023-02-11 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX  XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.

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 non-monetary relief
Consumer complaint received 2023-02-11 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: NC

Complaint narrative:
I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance XXXX, XXXX ; XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX  XXXX XXXX  : {$5800.00} ; XXXX XXXX XXXX XXXX XXXX  : {$2500.00} ; XXXX XXXX XXXX XXXX  XXXX {$950.00} ; XXXX XXXXXXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX  : {$11000.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$410.00} ; XXXX  XXXX XXXX  : {$100.00} ; XXXX  XXXX XXXX  : {$64.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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: CA

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$7500.00} XXXX XXXX XXXX Balance : {$8100.00} XXXX  XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/2023 at XXXX XXXX  EST To : Synchrony Bank XXXX Cc : XXXX Subject : Re : XXXX, Take action on your PayPal Credit account I do not have an account with Synchrony. I am reporting Synchrony Bank to the CFPB. I can be reached at the number below. 

XXXX XXXX XXXX XXXX On XX/XX/2023, at XXXX XXXX, Synchrony Bank XXXX wrote : Account Ending In XXXX | Log In You missed a payment. Lets get back on track. 
Hi XXXX, Your PayPal Credit account is past due. Reminder, XXXX reports your account status to XXXX, XXXX and XXXX credit bureaus monthly. 
Your minimum payment due includes the past due amount of {$29.00}. 
Current Balance Minimum Payment Due Due Date {$110.00} {$69.00} XX/XX/2023 Make a payment today or schedule a future dated payment by opening your PayPal App We're here to help XXXX Call us Weekdays XXXX XXXX.- XXXX  Weekends XXXX XXXX.- XXXX XXXX.XXXX. ET Note : This email is an attempt to collect a debt and any information obtained will be used for that purpose. Account is owned by Synchrony Bank. 

If you do not wish to receive any future collection communications from us via email, please click here to unsubscribe. 

This email was sent to you by Synchrony Bank to provide important information about your account. You may receive collection emails even if you have requested not to receive email marketing offers from Synchrony Bank. For more information about the security of your information, please read the Synchrony Bank Privacy Policy. Synchrony Bank is located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, XXXX. 
Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at https : //www.identitytheft.gov. 

This is an unmonitored email box. Please do not reply to this email. 

We respect your privacy. Click here to read our Privacy Policy. 

2023 Synchrony Bank

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 2023-02-11 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
CFPB PLEAS RETAIN COPY OF THIS COMPLAINT DISPUTE. THIS PARTICULAR DISPUTE DATED XX/XX/2023, WAS MAILED TO TRANS UNION AND WAS SIGNED AND RECEIVED ON XX/XX/2023 BY TRANS UNION EMPLOYEES. INSTEAD OF THE DISPUTE BEING INVESTIGATED THEY REPLY BY MAILED WITH A LETTER DATED XX/XX/2023 THAT THE INVESTIGATION WAS NOT UNDERTAKEN BECAUSE THEY DID'T BELIEVE IT CAME FROM ME. I ALONG WITH THAT DISPUTE I INCLUDED ALL MY VERIFICATION DOCUMENTS AND THEY REPLIED BY TO ME USING MY ADDRESS. SO THE EXCUSE POSE BY TRANS UION DOES NOT MAKE ANY SINCE AND IS A CLEAR VIOLATION OF 15 USC 1681i. SO NOW IM GOING TO RE-SUBMIT THAT SAME DISPUTE THROUGH MY PERSONAL CFPB DISPUTE PORTAL THAS HAS BEEN VERIFIED BY THIS REGULATORY AGENCY. ATTAACHE TO THE FIRST PAGE IS A AFFIDAVIT OF IDENTITY SO THER IS NOW NO QUESTION WHERE THE DISPUTE ORIGINATED FROM. THIS DISPUTE IS SPECIFICALLY FACTUALLY BASED AND TRANS UNION HAS NEVEER INVESTIGATION THIS FACTUAL INACCURACY BEFORE AND THERE IS EXHIBITS ATTACHED TO THE DISPUTE SHOWING CLEARLY ALL THE INACCURACIES BEING REPORTED BY TRANS UNION 'S BUSINESS VENDOR PER TRANS UNIONS REQUEST WITH OUT MY EXPRESS WRITTEN CONSENT OR PERMISSION. NOW THIS BUSINESS PARTNER DOCUMENTED THIER FINDINGS THAT THEY CAN NOT VERIFY THE ACCURACY. NOW TRANS UNION MY SAY IT WAS VERIFIED BY THE VENDOR BUT AS YOU WILL SEE THAT WILL BE A LIE BECAUSE THE BUSINESS VENDOR DOCUMENTED THEY WERE NOT ABLE TO VERIFY ITEM I NEED THE CFPB TO SEE THAT THIS RE INVESTIGATION FINALLY TAKES PLACE AS I WAS TOLD BY TRANS UNION PREVIOUSLY THAT WHEN I HAVE ADDITIONAL DOCUMENTATION TO SUBMIT ALONG WITH THE DISPUTE AND I'M DOING JUST THAT

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 2023-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TN

Complaint narrative:
My student loan has been sold from XXXX to Mohela an I have never received a message from Mohela regarding them having my student loans. The Student loan balance reporting on my consumer report is higher with Mohela than it was with XXXX. i am struggling and due to this high student loan on my consumer report it causes me so much pain an stress. I try apply for a home loans and I did not qualify because of the debt to ratio to high causing by the Mohela/XXXX XXXX  XXXX XXXX XXXX reporting on my consumer report. At this point I can not effort to make any payment nor qualify for a place to stay since lender has to check the consumer report. Even though the account is still showing good standing on my consumer report, it still effecting my and my family very bad and due to this recession things are getting harder for me and my family. I would like for these student loans to be update to zero balance on my consumer report so I can get qualify for a place to stay with my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation