vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
On XX/XX/2022 I submitted my annual verification form for the PSLF program and received a letter from MOHELA dated XX/XX/2022 stating my paperwork would be processed within 10 business days. It is now XX/XX/2022 and the paperwork is still pending. I have tried to contact MOHELA multiple times - once using the " contact us '' messaging system available on their website and 4 times by phone. I have not received a response as of today from their " contact us '' form. Phone calls are met with extended hold times of multiple hours. These phone calls will disconnect automatically prior to the end of the estimated wait which then requires one to redial. I have as of yet been able to speak to a phone representative due to this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
XX/XX/2022 XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX Washington, XXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : On XX/XX/XXXX, I submitted Complaint # XXXX because my Servicer denied my request for any home retention option without respecting the due process and, at the same time, engaging in predatory practices. 

This week I received a letter from my Servicer in response to my complaint. However, the letter does not address the main problem, which is a remedy for predatory practices. Even though Specialized Loan Servicing is the Servicer of my loan and not a lender, they have to apply the lender or investor guidelines, and my complaint was about those guidelines. 

With the letter, Specialized Loan Servicing is sending me a new loan modification offer, which I appreciate, but still, some of the terms are predatory : XXXX years with a 7.250 % interest rate ( currently, the rate for a XXXX mortgage is 6.28 % ). After that, interest will increase to 13.125 % for the remaining 12 years and a down payment of {$21000.00} I am not trying to avoid my responsibility. I want to pay this loan. I am only asking for fair terms to solve this problem. Still, the Servicer and the Investor of my loan have set loan modification terms that are impossible to accept for anyone in my position because I do not have {$21000.00}. I am sure nobody affected by XXXX has that amount of money available in a bank account. With the inflation and the consequences of the Pandemic, we are barely surviving, and gathering the amount requested as a down payment is impossible. 

Today I reviewed your portal and discovered that the case is closed just because the Servicer sent a response letter to my complaint. As I said in the second paragraph, the letter does not address or solve the main problem. Under that offer I am still subjected to paying an outrageos interest rate after XXXX years, and I am required to make a {$21000.00} down payment which I dont have. Thus, how can the Consumer Financial Protection Bureau close a case that has not been resolved? And, why the Consumer Financial Protection Bureau accepts the servicer stataments without any evaluation? Or is this an automated process that closes cases when an answer is received without any human involvement or verification? 

I am asking for your support and mediation with my Servicer and Investor to reach an agreement allowing me to keep my home. 


Best regards, XXXX XXXX XXXX XXXX XXXX. XXXX VA XXXX Phone number_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 2022-10-21 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
Under the pslf program, student loans that were eligible for this waiver could receive a refund. I enrolled in this program in XXXX, and have not heard anything from Mohela. I have tried contacting them several times and I recently was told that when Biden 's cancellation plan goes into effect, eligible student loans will be automatically enrolled and no longer eligible for the pslf waiver and refund for qualified payments. This is unethical because it looks like this company is just sitting on these applications waiting for automatic enrollment into Biden 's cancellation program so that they do not have to refund monies to qualified student loan payments. I am a single mother currently pursuing a XXXX XXXX, and the money for qualified payments being refunded back to me would really make a difference in my program. I have been in public service for 20 years, and my loans should have been forgiven years ago. It's unethical that this program exists, but in order to qualify for it you have to turn down the option to have your loans canceled and potentially risk not even being qualified for the program. It feels like a huge scam.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I get no joy from trying to score points. I am simply trying to write a wrong that was done to me and my business. This week XXXX XXXX wrote I did not like the final XXXX decision. The problem is, the XXXX sees the loan as forgiven, but the bank does not. Yesterday the XXXX wrote on my behalf the following to Wells Fargo on my behalf. ___________________________________________ Good afternoon, Please see your borrower 's request below for a Reconsideration Review and respond to him accordingly at XXXX. Review of the file shows the application was submitted to the XXXX as Approved in Full by the lender, but the borrower received less than full forgiveness. At this time the borrower does not have the right to appeal this decision as an XXXX Final Loan Review notice has not yet been issued. If there are other underlaying complications with this file, please respond and explain these to your borrower if you have not done so already. 

Or, if this was simply an error on the borrower 's forgiveness application, as the borrower requested less than full forgiveness in the amount of {$20000.00}, you may submit a payment correction request on the borrower 's behalf through the XXXX Platform at this time. 

Thank you, ___________________________________________ We have reached a stage where the bank has intentionally misrepresented the facts or failed to " inform '' the XXXX of their decision properly ; but either way they collected on a loan without standing. Please respond to this letter by letting this case proceed though the XXXX appeals process or offer a settlement. If you are having a hard time locating files as the bank tries to respond to this case again, please check out XXXX XXXX XXXX XXXX XXXX XXXX. Please note this should not be necessary as the bank has already spent 8+ hours on the site. It should be noted there are new audio files that further support the long 22 page case, but that is not the point to day. Please note all responses should include an explanation of why my XXXX requests in XXXX where simply ignored.

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 2022-10-21 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: SC

Complaint narrative:
Whom it may Concern : After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

My First & last name are as follow : XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX Please remove Address below XXXX XXXX XXXX XXXX XXXX SC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: MOHELA
State: AR

Complaint narrative:
Debt was discharged in 2009. Lender has refused to remove the discharged debt. The lender said that when I entered school it kept them from being able to discharge debt and that I would have to prove I could not pay the debt. I have called my attorney from XXXX and she said that this is not true. The lender has continued to refuse to remove debt. 

Credit companies- XXXX, XXXX, XXXX etc are allowing this to stay on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
On XX/XX/2022, someone used my card for a purchase of {$3800.00} from XXXX XXXX. I started a claim regarding this issue and was denied by Santander Bank. The bank won't give me the transaction details etc tracking number, name, phone number of the package. They only told me the merchant provided delivery confirmation but i never receive any package. Please help me resolve this issue.

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 2022-10-21 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit report. They did and stated everything was accurate. However, I did a thorough research and found improper inaccuracies on my report after they did an investigation. XXXX Account # XXXX. 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 an account without my written instructions. I have submitted all required documents asked for and they still have not removed this from my account. After I sent in the supporting documents, they closed the dispute and left it on my report. Here I will upload payment history and how it does not match with whats reporting.

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 2022-10-21 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:
Equifax REINSERTED a previously DELETED item on my credit report WITHOUT sending me a notice within 5 Days. The account reinserted was Dpt of Treasury. Under the FCRA, Equifax is required to send me a notice within 5 days if it is going to REINSERT an item. Equifax has VIOLATED the FCRA by NOT sending me a notice within the 5 Days. This is my SECOND complaint about this as Equifax IGNORED my first complaint. I AM NOT NOT SUBMITTING A DISPUTE. I AM POINTING OUT YOUR OBVIOUS VIOLATION OF REINSERTING THIS ACCOUNT IN MY CREDIT FILE WITHOUT SENDING ME A NOTICE WITHIN 5 days. You have engaged in the enabling of Identity Fraud by placing this account back on my credit report AFTER YOU ALREADY DELETED THIS ITEM BEFORE. I DEMAND you to delete this erroneous information from my credit report AND that you provide monetary relief in the amount of {$1000.00} for this violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am writing to dispute a balance of {$190.00} to my credit card account on XXXX. I have made multiple requests to close this account by phone with three of your agents. These erroneous late fee and interest charges on the late fee are applied callously to an account with a XXXX balance. 
I initially requested to close my account when the bank opted to downgrade my credit limit from {$650.00} to {$150.00} although my account was in good standing with a very low balance. The bank ran my credit again negatively contributing to multiple inquiries which caused my score to suffer. When the account was opened my initial credit limit was {$300.00}, being down graded through no fault of my own was an insult. That is why I called to close the account with a XXXX balance. Your agent quickly apologized and stated he would escalate the matter, but no supervisor or manager reached out to me. 

Although my credit limit had been increased. I did not abuse my account due to lack of quality merchandise carried by XXXX XXXX XXXX. 

I am requesting that the error be corrected, and all finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. After making the corrections please close this account. Please promptly address these concerns on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 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: VA

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had a Pay Pall Master Card from Synchronicity. My troubles all started when I went to make a XXXX payment on the card. After years of them taking it from my checking account, they decided to take this payment from my savings account, and account that I never linked to PayPal or to synchronicity. Of course it was XXXX, i contacted them immediately and told them what they did. By this time, my wife had tried to move the funds into savings to cover, but it was too late. So while on phone with rep, I made the payment again on XX/XX/2022. The funds were taken from my savings account for 14 days, than the funds were returned. 

I called support, they could not give me a valid reason why it was returned, so yet again for the 3rd time, I made the payment for XXXX and than for XXXX. They took the payment, and a few days later my wife told me it looks like they are returning the money again. So I went online to check my account, and this is when I learned they closed my account. 

Now mind you, they had just raised my credit limit, and now they closed it because of issues they caused in processing my payment. As if today, the account has a XXXX balance so I ask why close the account when they see I was paying? 

Now this company provides ZERO ways to right a wrong and do all they can t prevent you from talking to someone who can help. They not only took the account away, but they did it such a way that it impacted my credit score.

So now they have the money, and they have destroyed my credit and ZERO harm comes to them for what they did. how is this fair and equitable?

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 2022-10-21 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: TX

Complaint narrative:
In XXXX of XXXX I used my credit card ( 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. ) to perform a consumer credit transaction with XXXX XXXX to obtain phone service. In XXXX I was sent a statement which showed billing errors. I addressed the billing errors immediately by sending an Affidavit of Response for Billing Error to XXXX XXXX at XXXX XXXX XXXX XXXX, NY XXXX. On XX/XX/XXXX I received an email from XXXX with XXXX XXXX XXXX  stating, Dear ( xxxxx ), My name is XXXX, and I work in the XXXX XXXX XXXX XXXX. I received your complaint from XXXX XXXX, XXXX XXXX, and wish to speak with you to address your concern. I would first like to apologize for any inconvenience that you may have experienced with our company. I understand from reviewing your Written Complaint that you have a concern about a billing error. I truly appreciate the opportunity to address your concerns, as it helps us become better at what we do. Let me know the best time to contact you, as well as the preferred method of contact. Please do not hesitate to contact me directly at XXXX Extension XXXX, Monday through Friday between the hours of XXXX XXXX XXXX XXXX XXXX est. I look forward to speaking to you soon. Regards, XXXX I responded XX/XX/XXXX, XXXX XXXX to XXXX, Hello XXXX and thank you for your prompt response. I am available by email Monday through Friday between the XXXX XXXX XXXX XXXX XXXX  and phone between XXXX and XXXX XXXX @ xxx-xxx-xxxx. Thank you for your time and consideration regarding this matter. XX/XX/XXXX around XXXX my service was interrupted and my Billing error dispute has not been addressed nor has it been corrected. Now XXXX XXXX has taken adverse action against me for invoking my rights as a consumer. Pursuant 12 CFR 1026.d ( 3 ), a creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. XXXX has paid the Credit Reporting Agencies to publish negative information on my credit reports stating that I owe {$1700.00} on a closed collection account with 1 month terms. As a federally protected consumer I don't owe any debt.

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