vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-13 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: WV

Complaint narrative:
Applied for IDR SAVE repayment plan in XXXX and the status has been 'under review ' for months now. I even tried resubmitting it and have received no correspondence from Mohela about this application. I have emailed them and received no response as well. I have received my payment amount now and it is not on an IDR plan and the payment is too high and they are giving me two different payment amounts due now as well. One is {$200.00} and the other is {$400.00}. I have attempted to call them and been on hold for hours just for someone to answer and not be able to hear me when I talk and then hang up. It is unacceptable customer service. My application should have been processed by now and I should not have to be doing this but the customer service should have expected a large rise in calls and should make sure they have the ability to hear people after they wait hours or call the number back if they can not hear the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance to the Fair Credit Reporting act 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 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 an account without my written instruction.

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 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
Selling a small portion ( XXXX acres ) of woods behind the neighbor 's lot to said neighbor. 

All partial releases, surveys, appraisals, documents have been met over the last two years ( SPS - Select Portfolio Services - servicer for mortgage loan ) - keeps delaying responses from loan holder - which they forgot to register in MN for over a year .... 
SPS and investor are stating the I must pay investor in order to get sales approval. A new condition after two years. Remaining property value is 7x asset to remaining mortgage liability. Their request for 35 % payment upon woodland sale on remaining mortgage ( which the CFPB successfully helped me in 2012 with XXXX XXXX ) - although new loan holder is a last-minute condition. My financial advisors ( friends for over 30 years - state they've never heard of the last-minute condition, especially for the high remaining value of the remaining property. I am a XXXX female, XXXX, receiving SS XXXX income only. The property has been in the family for over 80 years and only a small back wooded area ( unbuildable ) is being sold to the neighbors. 
SPS ombudsmen 's # has been no help : # XXXX. MN mortgage law firm was brought in to help, since SPS is their client and they state they have no control over SPS timing - MN mortgage # XXXX XXXX XXXX XXXX contacts 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 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1-My business credit card was revoked for no reason and no one at Bank of America would give me a reason 2-the bank confiscated the {$600.00} XXXX XXXX  bonus I earned and wouldn't release it even after multiple attempts

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 2023-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Fay Servicing, LLC
State: LA

Complaint narrative:
This started back in XXXX, I ask why I'm still paying for their ins., I got my own ins. and the said that it has to do with escrow and I showed the ins. amount and I have my own ins., I was told to wait and the was going to check and get back with me, and they never did., I called them and ask about the modification, I was told they were still working on it. well, my payment was getting late and wanted to pay something on and, I was told, no they were still working on it. I waited, no anwser, I got a letter in saying they need more information, Ok, I did. Then I was told that they could not help me, because, I was not making enough money, Then now I was 2 months behind and tried to send them, {$400.00}, and the took it, but I was having trouble with the bank, and payment came back. Now I'm getting letters on foreclosure and i'm trying to get a loan to pay, and again I tried to give them {$400.00} and they refused partial payment, I was told they do not except partial payment. Right now I'm trying to come up with something. I feel they are doing this purposely, they want my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I made a payment of amount due on my student loans on XX/XX/2023, in the amount of {$240.00} via my account portal. I received an email confirmation of my payment and a confirmation number. 
On XX/XX/2023, I then get an email stating that my account was past due and that I needed to make a payment. I log on to my portal to find that my payment was 'reversed ' and that I was past due. My payment was reversed XX/XX/2023, per portal. 
I did not receive any communication regarding this reversal nor a reason for the reversal. There is no record of them attempting to pull funds or return funds with my bank, and I know my routing/account number were correct since I pulled them from a bank slip. I have never been able to reach an agent, either by phone or by chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
I was in the loan modification process this year, on XX/XX/XXXX I was sent a letter from Flagstar Bank to send my income docs, hardship letter, and income worksheet. We mailed the information back in the envelope that was sent on XX/XX/XXXX and in XXXX when I called to make a payment I was told that my home was now in foreclosure, this is not what I was originally told. The customer service rep stated, If I continue making payments and send docs when requested the payments that were not made during the hardship forbearance would not be considered late due to COVID. Then on my credit report, it showed over 180 past due for those payments not made while I was in the forbearance. I was told that by continuing to make my payments those would not be held against me but the payments would show on my credit report in good standings. So I got approved for a new modification but the late pays still shows on my credit when I did everything they asked when I called and asked why I was ever denied the representative told me they have a new servicer that didn't accept the original documents and I never was told that. So now this hurts my employment because I work in the XXXX XXXX and lowered my score drastically.

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 2023-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against Credit Acceptance Corp regarding the handling of my vehicle purchase and subsequent repossession in XXXX. I believe that the company 's actions have caused me significant financial hardship, and I request your assistance in resolving this matter. 

My name is XXXX XXXX, and I reside at XXXX XXXX XXXX, XXXX, MI XXXX. In XXXX, I purchased a vehicle from Credit Acceptance Corp. However, to my dismay, the vehicle was repossessed in XXXX. Since then, I have been in communication with the company, requesting a financially reasonable offer of settlement. Unfortunately, Credit Acceptance Corp has repeatedly refused to provide such an offer. 

Compounding my frustration, I recently discovered that Credit Acceptance Corp has begun garnishing my wages in XXXX. This sudden action has only exacerbated my financial difficulties, particularly considering the prolonged period of negotiation and lack of resolution from the company 's side. 

Furthermore, I am aware that Credit Acceptance Corp is currently under investigation for similar behavior. This knowledge raises concerns about the company 's practices and underscores the urgency of my complaint. 

In light of the above, I kindly request the following : 1. Immediate cessation of all garnishments from my wages, as this has caused severe financial strain. 

2. Thorough investigation into Credit Acceptance Corp 's handling of my case, specifically regarding their refusal to offer a financially reasonable settlement and their delayed initiation of garnishment. 

3. Appropriate financial compensation for the hardships I have endured, taking into account the prolonged negotiations and the company 's alleged misconduct. 

I trust that the Consumer Financial Protection Bureau will take my complaint seriously and work towards a fair resolution. I have attached supporting documentation, including relevant correspondence and evidence of the ongoing investigation into Credit Acceptance Corp. 

Thank you for your attention to this matter. I look forward to a prompt response and a satisfactory resolution. 

Yours faithfully, 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 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/2023 I Submitted a dispute over the phone with XXXX ( my 3rd dispute ) Report Number:XXXX for COMENITYCB/MYPLACERWDS regarding the charge off account for Victoria Secrets, because their response to the bureau in regards to my previous dispute was they sold the account to another lender, I request and explanation In light of the fact that this account was sold to another lender, how are theyreportingit? and request them to Please delete this account if they can no longer provide proof that they own it. 
Today I got a notification in my XXXX for COMENITYBANK/VICTORIA Account XXXX showing the account was Updated The item you disputed has been updated, which may include an update to the disputed information. Please review your report for the details. 
When I opened the report COMENITYCB/MYPLACERWDS as a responseto my previous dispute update a comment : Purchased by another lender. 
If they Don't own the account anymore What steps are they taking to report this account now that it has been transferred to a different lender? 
why they are ignoring my prior request and if they can no longer provide evidence that they own this account, they need to delete it. 
I will attach copy of my credit report as a evidence of their response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
On XX/XX/2022, the XXXX XXXX Virginia tax assessor 's office granted me a 100 % property tax exemption of the base of my status as a VA rated 100 % permanent XXXX veteran. Since XX/XX/2022, I have repeatedly engaged my mortgage company to stop billing me more than {$280.00} per month in property taxes the county is not billing them. As of today, I have engaged both on the phone and in writing, to include sending the tax bills showing XXXX billable no less than six times every couple of months -- to no avail. When I stopped sending the tax portion with my monthly mortgage payment, they sent me a collection notice and a late payment fee each month. I just spent an hour on the phone with multiple representatives, each of whom claim they can not help me because their taxation is handled by a third party. The third party has no public phone contact information and has not returned any of my emails.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them. I urge you to take the necessary steps to rectify this error as soon as possible.

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 2023-10-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2023-10-13 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Bank in XXXX, Tx allowed 4 unauthorized checks totaling {$19000.00} to be mailed out in checks to fake people names across the country. The checks were XXXX and XXXX. I notified them immediately when I noticed this and they stopped some, but the four checks above got through and they said I was liable. These checks got through even after I had informed them of all the fraud going on in my account. I kept calling them asking why are they continuing to mail new checks out for these large and unusual amounts to people I have never heard of. They had no answer. They also never informed me once by text, email nor phone to see if these large and unusual payments were legitimate. I am also on XXXX and can not afford this loss.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XXXX XXXX I closed my account. They informed me that I had a late fee of XXXX to pay. Told them I just sent you a payment for XXXX, I pay you XXXX every other month. My payment is just XXXX a month that I charge every month. So that day I went to the post office and sent out the check for XXXX certificated mail # XXXX. They received the check on XXXX XXXX signed for by XXXX XXXX. I never heard from them or got a statement at all in XXXX. On XXXX XXXX, they still haven't cashed the check for XXXX ( certificated mail and signed for as stated above ) so I stopped payment on that check and sent out a check for XXXX. I sent out a letter with proof asking the company why they still haven't cashed my check for XXXX, that enclosed is a check for XXXX sent out certificated mail # XXXX and tracking # XXXX account ending in XXXX enclosed all this information on the check too. I went to the bank today and they just cashed my check from XXXX XXXX, for XXXX, they signed for it on XXXX XXXX, XXXX XXXX I got a bill for XXXX. They are still charging me a late fee on top of late fees. Plus every day they call me none stop. I have no idea why, when all they had to do in XXXX is just cash the check for XXXX that they signed for and that would have been the end of it. But no they just had to harass me every day by phone never saying hello or never leaving a message either. They started this problem not me. This is a bank every one should be aware if how Comenity Bank is treating people. I would never do business with them again and I think every one should close there accounts with Comenity Bank and let them go under. They have XXXX different cards, close all XXXX different cards. They don't deserve anyone 's money, if they want to treat people this way for paying there bills. Shut them down.We all have the power to shut these companies down when we aren't treated right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
i HAVE MAILED REQUESTS FOR VALIDATION AND NO RESPONSE WITH THE 30 DAYS PERMITTED.

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 2023-10-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: CA

Complaint narrative:
{$1100.00} United Collection Bureau , INC I dispute your claim and I am requesting validation form you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
-Provide breakdown of fees including how you calculated what you claim I owe. Provide a copy of my signature on a contract or a document that holds me responsible for this alleged debt. 
-Cease any credit bureau reporting until debt been validated by me as required by the FCRA XXXX 
-Send me proof that you are licensed to collect my debt in my state. 
-Send this information to my address listed above and accept this letter- sent as my formal debt validation request, which i am allowed under the FDCPA. 

i will await your reply with the above requested proof. Upon receiving it i will correspond back with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13 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:
Incorrect information on 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 explanation
Consumer complaint received 2023-10-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Coconut Funding Corporation
State: WI

Complaint narrative:
I applied for a business cash advance on behalf of my company XXXX XXXX XXXX. I submitted all required documentation as well as allowed them access to verify my bank account. They sent me a ridiculous offer with outrageous fees and I declined. They then came back with reduced ridiculous fees but demanded that I provide them with my log in credentials to my financial institution which I declined so they proceeded to withdraw their offer for funding. The following day they attempted to take their processing fees of {$950.00} out of my business bank account via XXXX which I did not authorize so I put a stop payment on it. The company then proceeded to file a lawsuit against me in the state of Oregon which I do not conduct business in and is impossible for me to attend any proceedings stating that I was in breach of contract by refusing to pay their processing fees and were now fining me {$10000.00}. They have submitted an information subpoena and restraining notice to all of my financial institutions freezing all of my accounts and assets and have even submitted the same documentation to XXXX claiming that another business that is owned by me is included in that law suit when it is not. The only business listed on the application to that lender is XXXX XXXX XXXX. They have frozen accounts belonging to XXXX XXXX XXXX and XXXX XXXX XXXX. This has been described to me by other financial institutions as predatory and fraudulent lending practices. Because they have frozen my assets I am not in a position to pursue them legally.

Company response to consumer: Closed with explanation