vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: TN

Complaint narrative:
The first 2 times I called the XXXX  number for MOHELA, after typing in my identifying information, the automated system said MOHELA did not have my application on file or me in the system. The next time I called I was able to make some progress ( they could identify or recognize my account ) but I was disconnected before I was able to talk to a person. The third time I called was XX/XX/XXXX and I talked to a nice young woman who listened to my appeal and put me on hold while she spoke with her supervisor. She returned and said that she was going to transfer me to her supervisor for more help. I remained on hold for 3 hours and 8 minutes but was finally disconnected. Here is my appeal : I applied for the PSLF because I XXXX in XXXX XXXX XXXX for XXXX years. MOHELA says that I have 90 qualifying payments of the required 120. It is my understanding that the first 5 years of my service did not qualify as payments because I had filed a XXXX XXXXXXXX XXXX ( due to failed XXXX XXXX during the great recession of XXXX ) the year before I started XXXX  and was not allowed to make payments during that time. HOWEVER, during my first years of XXXX, the U.S. Department of Education did receive a lump sum {$17000.00} from the bankruptcy courts on my behalf. If I had been making payments during that time based on my income, they would have received approximately {$13000.00} over the 5-year period, much less than the lump sum of {$17000.00}! I could understand that time not eligible if I had filed a XXXX XXXX and no payments were made but I thought I was doing the more honorable option because I wanted to pay as many debtors what I could for as much as I could. The U.S. Department of Education received a substantial amount of money from me through the courts during the first 5 years of my XXXX XXXX. What is especially frustrating and should be considered criminal is that I specifically asked that my student loans NOT be part of the bankruptcy because I wanted to make payments. I even submitted a written request XX/XX/XXXX ( see attachment ) to have the " suspension of loans '' taken off so I could start making payments. I was refused! Under the Limited PSLF waiver, if no payment, late payment and wrong plan counts as eligible why cant payments made during XXXX XXXXXXXX count? Please help me get credit for the first 5 years of my XXXX XXXX ( XX/XX/XXXX to XXXX ). OR AT THE VERY LEAST - credit the remaining 30 payments that I have left on my current PSLF application. I XXXX for 13 years in the poorest of poor neighborhoods, with limited resources, where I gave my heart and soul to those children day after day. Thank you for your time and your kind consideration, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On the date we scheduled the oral XXXX, we paid our portion that was owed for XXXX. They billed the insurance for the remainder. We never heard from the doctor again, and now have received a collection notice when we were told that the out of pocket we paid covered everything.

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 2022-10-31 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 Section 2 : It also 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 2022-10-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX COMPLAINT, & FTC REPORT XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 XXXXXXXX XXXX XXXX XXXXXX/XX/2022 I request to have the above accounts and inquiries removed from my credit report.

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 2022-10-31 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: EQUIFAX, INC.
State: MI

Complaint narrative:
The accounts below are not mine. I respectfully request a full complete investigation regarding these accounts. I have attached My 609 letters, XXXX  COMPLAINT, & FTC REPORT XXXXXXXX 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 I request to have the above accounts and inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Consumer ID ; XXXX Bank Of Ameria XXXX Routing # XXXX Account # XXXX I never commited fraud on this account. i would like to settle this and remove this from my bank history so that i can open up a bank account. There is no balance due. i opened this bank account for direct deposit and was never able to use this account. 
Bank name ; XXXX XXXX. Routing # XXXX Account # XXXX I have no knowledge of this account. I never banked with XXXX. i would like this account settled and removed from my reports and history. 
i am a victim of identity theft which was reported to the irs. 
XXXX XXXX. no knowledge of any account with them. 
XXXX XXXX. no knowledge of any account with them. 
i would like more information on how to dispute this accounts and get them removed from my banking history.

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 2022-10-31 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:
See letters sent, please update my personal info and delete eh account reporting inaccuracies

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 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLANET HOME LENDING, LLC
State: CA

Complaint narrative:
Applied for mortgage recasting. Lender refused it. They didn't inform and misguided me when i signed the loan documents about the loan recasting. 
I want to make big payment and recast the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH Mortgage, XXXX XXXX, XXXX XXXX XXXX, FL XXXX. XXXX. Loan # XXXX XXXX # XXXX. I, XXXX XXXX, power of atty for the homeowner with the reverse mortgage, XXXX XXXX XXXX. 
I, XXXX XXXX, with POA on file with PHH, have requested 3 draws for line of credit in order to pay for my mother 's needed health aides as she is not well and requires assistance. All 3 requests have been denied WITHOUT notice - as I wait for the funds. The first time, when I called to inquire on the funds, they said it needed to be notarized with " Power of Attorney ''. The 2nd request was denied because they said it was signed incorrectly ( after they instructed me how to sign it ) by signing " attorney in fact ''. A third request was signed as instructed and notarized. Without notice, this way also denied stating the signature went beyond the signature area. It is signed on the line and not past it. It is notarized. When I asked to speak to a supervisor after being placed on hold for long periods of time, I was informed there are NO SUPERVISORS OR MANAGERS available to take my call. PHH is refusing access to my mother 's equity. I am unable to pay her bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Thomas George Associates, Ltd.
State: WV

Complaint narrative:
I received multiple letters of contact within a weekly bases concerning a debt. I am currently going through a financial hardship and is getting harassed by Thomas George Associates to acquire a debt that I am currently in no position to make payments on. The frequency of contact by phone and mail is overbearing and well within the limitation of harassment, the quality of expression of words making financial threats towards me, Including the methods of contact outside of the legal business hours of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TOYOTA MOTOR CREDIT CORPORATION
State: DC

Complaint narrative:
At this time Toyota Financial is using unfair communication tactics to thwart my dispute against extra charges on an existing auto loan that is outstanding. 

I wrote Toyota a certified USPS letter dated, XX/XX/2022. 

They received that letter on XX/XX/2022, and they have yet to respond. 

At issue, is that Toyota has charged me a total of {$690.00}, in fees that are erroneous and excessive. I can't even get in contact with someone to dispute the fees, or at least, come to an agreement of sorts. 

I owe approximately {$12000.00} on my loan with Toyota Financial, and I am ready to pay off that amount IN FULL ; however, for every single day that passes Toyota increases fees to that amount.

I have tried contacting Toyota on the phone, to no avail. A snobbish person answers the phone and informs me that they are recording the call. In turn, I inform that I also reserve the same right and that I am recording the call. Toyota then hangs up, ending the call ; thus, placing themselves at the advantage of increasing the balance due on the vehicle, which ultimately results in them reporting negatives to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Convergent Resources, Inc.
State: OH

Complaint narrative:
I got an email over the weekend XXXX that I had negative on my credit report. I looked it up and southwest credit system said I owed XXXX. I called them this morning XXXX spoke with a lady and she said it's in collection for water bill. I advised I've never lived in XXXX I've lived in XXXX for 38 years. My entire life. She said I needed to file a report and send copy and I'd to them. 

Also a company called convergent outsourcing is on my credit for XXXX out of XXXX. I've never lived there nor gave anyone permission to use my information. This is also on my credit My last 4 of s.s. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
CITIBANK has violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act and breached its duties as fiduciary trustee by harassing me regarding this alleged debt. They have repeated called me 5 times a day, on weekends, in the evenings, and in the early morning which is extremely inconvenient and a violation of their cease and desist. CITIBANK received a written cease and desist letter on XX/XX/2022 and continued to call repeatedly violating the law.

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 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: NJ

Complaint narrative:
on XX/XX/XXXX i went to store named XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX to buy a couch and a end table for my living room. when i got to the store they offered me a loan from XXXX XXXX, they told me there was a 90 days promotion for the loan, if i pay in 90 days i would not have to pay any interest. they said that i would pay the exact amount due plus only {$40.00}. i bought the couch and end table for {$1700.00}. i had to called XXXX XXXX a few days later for the 90 days promotion, they told me i was eligible for the 90 days promotion, but when i called them to make my first payment, they told me that i did not have 90 days anymore, that i had to pay in 2 months. otherwise i would have to pay them 184 % of interest. i accepted to pay in 2 months to avoid the 184 % of interest. I made the first payment on XX/XX/XXXX ( {$870.00} ). before the XXXX payment i called them to have the due date change from XXXX to XXXX, they accepted. on XX/XX/XXXX they took {$870.00} from my bank account. the same day, a few times later a received a text message about a return payment. i called my bank, they told me that there was no return payment but XXXX XXXX just took a amount of {$870.00} from my account. 
the next month i received text message from XXXX  about a payment i had to make, so i called them, they said there was an issue with the payment and because of that i have to pay the XXXX XXXX  of interest. i told them that the loan is already paid off, i owe them nothing but since that they send late payment information to the 3 credit bureau about me. and because of that my credit score is messed up : i lost XXXX point the first month. i hired a credit repair company name XXXX to fix that for me. XXXX disputed the information to the XXXX, they closed the account. but XXXX XXXX keep sending late payment about to the other credit bureau and my credit score is affected each time, and now my banks started to decrease my credit limit line, i have been refused a refinance for my car. i reaaly dont know what to do. when i made a research on goole about XXXX XXXX, i found a bunch of people complaining about the same thing, that means i am not their only victim. they do the same thing to a bunch of people. i even found a law firm that use to sue them for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: WY

Complaint narrative:
Citibank refuses to transfer the tax withheld into my name in connection with the termination of the XXXX XXXX. 

Citibank demands that brokerages indemnify and hold harmless Citibank, which many brokerages ( including mine ) refuse to do. 

The XXXX XXXX termination date was XX/XX/XXXX. 

The distribution associated with XXXX XXXX termination was XX/XX/XXXX. 

I held XXXX XXXX XXXX The amount of foreign taxes withheld amounted to {$36000.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XX/XX/XXXX an amount of XXXX XXXX  was paid to Discover Credit Card company.The total balance which I owe them.My Fiancee paid this amount to help me.I am ever grateful to my XXXX XXXXXXXX. I got the confirmation through email that the payment was received.But after receiving the amount, the card was closed without my consent.When I asked what the reason was for the closure they are citing to an older email sent on XX/XX/XXXX which never stated the reason for the closure. 
This has caused a lot of inconvenience to me in terms of payment of bills and financial planning for my expenses.I have been using their account for more than 5 years now. 

I want your good office to instruct Discover card to reinstate my account.This is not the first time Discover card has caused me inconvenience.They are acting under the witch hunt tactics of XXXX XXXX, my disgruntled ex-employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX account # 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 Section 2 : also 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 non-monetary relief
Consumer complaint received 2022-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: MD

Complaint narrative:
XX/XX/2021 Amount {$230.00} I wrote them asking to Validate the debt being I never had services with the company the debt collector is collecting for ( XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: Mercedes Benz Financial Services
State: TX

Complaint narrative:
I filed a complaint regarding XXXX payment showing was 30 days past due on credit. I received feedback regarding months that were not in question. XXXX payment was due on XX/XX/XXXX payment was made XX/XX/XXXX. 29 days. Please delete incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX SC, XXXX XX/XX/XXXX Last 4 of SSXXXX : XXXX XX/XX/XXXX To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter filed with the CFPB. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible. 


Personal Information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ). 

Sincerely yours, 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