vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-31 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: MD

Complaint narrative:
Mohela holds my loan and I have been on the public service loan forgiveness for years and it has been so much confusion since Mohela company has taken over my account. I been with my job since XX/XX/XXXX and your company sees that and say that its have been approved from them until XXXX of XXXX. But the number of eligible payments have increased as they should they went from XXXX to XXXX and then to XXXX. However my qualifying payments are going down. Which your employee XXXX # XXXX say it shouldnt do. They went from XXXX qualifying payments on XX/XX/XXXX to XXXX qualifying payments on XXXX XXXX and now as of XX/XX/XXXX I am back at 30 qualifying payments again. And when I call about the issue they have me to resubmit the application to fixed the payment issue but it has never been fixed and the count still changes. Then once receiving the new application that was requested they saying its not approved again which the article of operations is on file already and I still send them in and many works say they can see it. The new application is explained to me that it fixed the gap that they see which makes no sense because it see all the same information because i ask.. XXXX # XXXX also said that my payment tracker has not been updated they have had my case for almost a year now. I have sent multiple application the one on XXXX XXXX state duplicate, XX/XX/XXXX state processing and XXXX XXXX also state processing. The supervisor XXXX # XXXX said that she all of the application and that my job has been approved so I should at least have payments from XX/XX/XXXX until at least XX/XX/XXXX. She see over XXXX payments that needs to be added. I am just trying to get an understanding of what is actually going on because it has been very confusing since Mohela took over the loan. I have reached out to federal student loan as well to get help to see if someone can actually explain what is happening with my account. None of my applications has even been finished processing after the XXXX said it only take 60 days honestly. All of the applications I sent in this year should have cover from XX/XX/XXXX until present. Thanks for your time in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Dear PayPal Support Team, I hope this message finds you well. I am writing to submit a formal complaint and appeal regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was a result of a mistake and that I have not violated any of PayPal 's policies or guidelines. 

Firstly, I would like to emphasize that I have been a loyal and responsible PayPal user for [ duration ] years. Throughout this period, I have conducted all my transactions with utmost care and adherence to PayPal 's terms of service. I have never engaged in any activities that could be considered a violation of your policies. 

Considering the above, I kindly request PayPal to re-investigate my case thoroughly. I understand that errors can occur, and I am hopeful that upon review, you will find no justifiable reason to keep my account permanently limited. It is my sincere hope that you will take the necessary steps to rectify this situation promptly. 

My PayPal account has been an essential tool for managing my finances, both personally and professionally. The limitations imposed on it have caused significant inconvenience and distress. Restoring my account would enable me to resume normal operations and continue using PayPal 's secure and convenient services. 

I kindly request your utmost attention to this matter and a swift resolution. If you require any additional information or clarification, please do not hesitate to reach out to me at XXXX. 

Thank you for your understanding and cooperation in this appeal process. I look forward to hearing from you soon with a favorable update on my account status. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank is not issuing the correct points associated with the advertised rewards points. They have denied any wrong doing to the CFPB and previously denied any wrongdoing despite me submitting an email from one of their agents that acknowledges that they are aware of the system issue and that rewards points are not being issued correctly. No communications about this were ever sent to the consumers and they have been trying to hide it and not give consumers the proper compensation for them breaking the credit card agreement by not giving the advertised points for purchases made. 5x points for Sony, 3x for internet, 2x for food 1x for gas etc. I have attached an email that states that they are aware that the correct points are not being issued. I submitted this previously and it was ignored and the case close $ without resolution. I sent this to the CFPB so you could act on the illegal actions, failure to act when notified and failure to communicate to consumers. Plain and simple I did not get the points I am entitled to and this is a broken agreement on their end. Why was the previous complaint closed without anything being done when the email I submitted stated and supported exactly what I complained about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: CT

Complaint narrative:
Department of Education discharged all loans due to total XXXX. Three year monitoring period passed in XX/XX/2023. As a result of me applying for aid which is pell grant. They are attempting to collect in XXXX when I don't have any loans and monitoring period has passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have an American Express prepaid E-gift card. For a period of time I was able to use it, however, at the time it had {$45.00} ( roughly XX/XX/ ) it began being declined online in stores where I had previously been able to use it ( specifically XXXX ). I called the company and they recommended that I try using it in another online retailer. I tried this an it was declined again. I called two more times, where they recommended I try in-person and through an XXXX XXXX, both of which were declined. 

When I reached out again, they said they were unable to help me and when I asked to be transferred to someone who might be able to, they transferred and then hung up on me. They also seemed to have removed the refunds on transaction fees that they had previously made for me from my transaction ledger.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX I got a Heloc from XXXX XXXX for {$500000.00} It was a 20 year loan with 5 years interest only. I was still billed at 3.5 fixed every month after the 5 year interest only period. I paid a little extra every month. Every statement said 3.5 fixed. It is now XX/XX/XXXX and they want to bill me {$41000.00} for past due principle and interest. At no time did my monthly statements reflect a rate that was variable to XXXX XXXX Had I ever been notified in the past 3 years that my interest rate was going to increase 5 %, to 8.25. I could have shopped for a new loan at a competitive rate. The bank is now called City National Bank. 
My loan # XXXX Interest through XX/XX/XXXX {$18000.00} One days interest {$99.00} Late charges {$250.00} Past due principle {$20000.00} I just received a second notice demanding {$41000.00} My loan shows a principle balance of {$430000.00} In XXXX of XXXX I was notified of a retroactive increase of interest for over a year in the past. 
For over 7 years every statement I received shows 3.5 %. 
The bank is now demanding 8.25 % and {$41000.00} to cover previous principle and interest. 
As a consumer, had I been billed properly, I could have governed myself accordingly and shopped for a better rate. Every statement shows 3.5. I have every statement. The bank is demanding money they did not bill me for. 
The original note did dictate a variable interest rate, but it never was billed. 
Every statement up until XX/XX/XXXX said 3.5 fixed.

As interest rates increased, had I been notified, I could have refinanced. 
This is the fault of the bank. 
The bank billed at 3.5 % The solution would be to maintain the loan at 3.5 and retract the demand of almost {$42000.00} I followed my statements and paid what I was billed and more every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

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 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
My identity was used to lease an apartment at XXXX XXXX XXXX that was reported to my credit XX/XX/XXXX from an existing account from XX/XX/XXXX in the amount of {$5000.00}. I have contacted the property and they acknowledge that there was fraudulent activity and that in fact the person that leased the apartment was not me due to their lack of verification upon leasing the apartment. I have also reached out to the collection agency RENT RECOVERY SOLUTIONS and they also have acknowledge the fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I have been a customer with Speedy Cash XXXX loans online for several years. Then I experienced a sickness and had to extend my payments and I paid the loan off the end of XX/XX/2023. Then, I attempted to apply for another {$500.00} ( payday ) loan and the company told me I had to wait 60 days. I waited the XXXX days and today ( XX/XX/2023 ) then, I applied again today for a payday loan and all of a sudden the company denied my application again, all of my information has been the same for the last XXXX years when Speedy Cash has been approving my payday loans. 

Then all of a sudden the company is telling me they can not verify my banking information. That doesn't make sense because the information has been the same in the previous XXXX years when, I would applied and was approval for a loan. 

Now my spouse and I can not share the same banking account. Therefore, they deny my application and I feel the company has discriminator against me. I was referred to Speedy Cash by several friends that share the same banking account with their spouse and Speedy cash has approved their loans for years but, they are of other ethic groups and that is why I am complaining about been mistreated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I reached out to the debt collection agency and they agreed to a pay-to-delete solution for 40 % off of the original amount owed. However, the account that was supposed to be deleted from my credit report is still being reported on my report. I reached out to the original creditor and provided them with proof of payment and they said they would update the information but never did. They have received records of the debt being settled but still refuses to remove the item. I've contacted both parties on multiple occasions and all they have done is put the responsibility to remove and stop reporting the item on each other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
those 2 inquiries on my credit report are not authorized those are not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
details of this complaint is in the letter please review it. i have attached FTC that you requested and a screenshot as well of the charge-off accounts that i did not authorized and its not mine

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 2023-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
We purchased a condo in XXXX XXXX, fl. Closed on XX/XX/XXXX. We received a letter a month after closing saying we needed flood insurance from the mortgage company. We are on the 3rd. Floor, the condo association provides flood insurance. We provided the mortgage company with the documents from the condo association. They are still stating we need flood insurance. No one else in the condo has flood insurance. The mortgage company proceeded to put us in collections and opened an insurance policy for {$3600.00} for flood insurance and opened an escrow account. We have contacted the mortgage company several times and they are still saying we need this insurance. Our broker said they should have never let us close if this was an issue. ThankYou.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I am writing to register a formal complaint against PNC XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, for their alleged violation of the discharge injunction of my bankruptcy. 
On XX/XX/2020, I received a discharge of my debt obligations from the XXXX XXXX of New York. Despite this legally binding discharge, PNC XXXX XXXX has unrelentingly persisted in their collection activities against me. They have subjected me to undue harassment, including threats of seizing my home and personal assets if I did not adhere to their demand for payment. 
The intensity of this situation was further amplified by the ongoing XXXX pandemic, during which I was compelled to continue these payments. As a retiree on a limited income, these threats have placed an immense burden on me, both emotionally and financially. Out of fear and to preserve my assets, I felt coerced into making payments that, according to my understanding of the discharge order, I was no longer legally obligated to pay. 
Since receiving my discharge, I have personally made payments totaling {$210000.00}. These payments were facilitated with the financial support of my family, adding additional strain on them as well. 
Despite these considerable payments and clearing the balance with XXXX XXXX XXXX, a Commercial Collections XXXX at PNC XXXX XXXX, the harassment did not cease. In fact, they have begun to demand additional payment for late fees and other charges that, to the best of my understanding, are unjustified and unwarranted. 
The undue emotional stress and financial hardship this has imposed on me, particularly given my status as a retiree and the ongoing global pandemic, have been significant. I trust that the Consumer Financial Protection Bureau will address this serious concern promptly and ensure PNC XXXX XXXX 's compliance with the law. 
I am prepared to provide any additional information required for this investigation, and I eagerly anticipate your timely response in resolving this matter. 
Thank you for your attention to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On Monday, XX/XX/2023 a payment of {$1000.00} was made to begin an agreement to dismiss a case in XXXX XXXX and unfreeze my bank account. The money was immediately withdrawn from my father XXXX XXXX 's account and I was told the case would be dismissed. I was told it would take three business days for the payment to clear and the case to be dismissed. 

XXXXXXXX XXXX XXXXXXXX XXXX did not file a dismissal in XXXX XXXX in a timely manner as retaliation for my previous complaints with the CFPB. My bank account with XXXX XXXX remains frozen as of today on XX/XX/2023. I contacted XXXXXXXX XXXX XXXXXXXX last week on Wednesday XX/XX/2023 and was told that the dismissal had just been filed and that XXXX  XXXX had been sent a letter of dismissal on Tuesday, XX/XX/2023 via US mail. I received this update after I called three times to try to reach someone at XXXXXXXX XXXX XXXXXXXX and received voicemail prompts. They made it difficult to even receive an update on anything. I was told that I could call back with a fax number for XXXX XXXX where they would send a fax to notify XXXX XXXX of the dismissal. 

I provided a fax number for the XXXX XXXX XXXX department and was told by XXXXXXXX XXXX  XXXX on a recorded phone call on Wednesday, XX/XX/2023 that they would send a fax to XXXX  XXXX to have my bank account unfrozen. As of XX/XX/2023 this has not occurred. XXXX XXXX  XXXX has retaliated against me with actions to not allow me access to my bank account with XXXX XXXX more than a week after a case dismissal in the city of XXXX. This is the second case dismissal for this action. Once in XXXX XXXX and once in the city of XXXX. 

There should be fines and legal action brought against XXXX XXXX  XXXX for this retaliation. This is illegal conduct and they do not have the legal right to operate in this manner.

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 2023-07-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Im making this complaint against the used car dealer and the finance company for listing me as co-signer without my knowledge or authorization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Westlake Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXXXXXX XXXX XXXX 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