vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-14 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: CA

Complaint narrative:
I applied for TEPSLF in XX/XX/XXXX for my federal student loans. 

I've been continuously employed since XX/XX/XXXX with a PSLF-qualified gov't agency. I never missed or deferred on a single loan payment. 

My loans were transferred from XXXX to U.S. Dept of Education to MOHELA in XXXX XXXX. Since that time, it has been a nightmare trying to get information on the status of my loans with MOHELA. 

After finally reaching one of their customer service reps in XXXX XXXX, I received a memo which indicated I had " 182 PSLF Eligible Payments '' but could provide no other information about TEPSLF. 

In XX/XX/XXXX, the details of my loans disappeared from the MOHELA website, but it displayed a {$0.00} balance. There were no memos or notices on the website explaining what had happened. 

I called MOHELA customer service repeatedly to verify the status of my loans. They informed me that my loans had been discharged under PSLF, but could provide no information on TEPSLF and the 62 over-payments eligible for refund.

I was told I would have to wait 90 days for MOHELA to provide an update on TEPSLF ... then it would be up to the U.S. Department of Education and that could take another 90 days or more. 

If that estimate from MOHELA is accurate, I would be looking at approximately 16 months from the time I applied to determine if I qualified for TEPSLF??? 

It should be noted that according to MOHELA 's XX/XX/XXXX Investor Presentation, they are using the same servicing platform COMPASS to perform its servicing operations as my original loan holder ( XXXX ) -- with whom I never had a single hiccup. 

So, the lack of communication and delays with MOHELA are genuinely hard to fathom, not to mention terribly stressful for me and my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On XX/XX/XXXX, I received a letter in the mail that Chase Card services decided after careful consideration to close two accounts ending in XXXX and XXXX. They gave the reason as I was associated with an account that was closed before. 

On XX/XX/XXXX, I called into Chase to ask for further reasoning on the closure and to ask for a reconsideration. I spoke to XXXX in the XXXX XXXX office and after some discussion, she refused to give me any more details into the closure. 

She stated that one account was opened in XXXX of XXXX, and the second in XXXX of XXXX. She confirmed the following facts : - zero red flags on either account - zero late payments - no indication that I had committed any fraud I asked her to confirm if there was any details on my account that showed I violated Chase card services. I asked 3 different times and she refused to answer. She stated she can not give any details on why my accounts were closed. I asked to speak to someone who could and she refused, saying that I can not know why my cards are being cancelled. I asked again the question of, " You are saying that you cancelled my card, will not tell me what rules or policies I violated, and will refuse to give that information to me? She affirmed that statement. 

I asked her about opening a card and the underwriting process I went through months ago. I explained that I was cleared to open a card 5 months, violated no terms of the credit card agreement, and now I'm being cancelled without being told why. She confirmed this and wouldn't give me any more details. 

In my time with Chase card services, I have spent more than {$500000.00} with them and had zero warnings about any suspicious activity, had my credit lines increased several times, never had any written or verbal or electronic notifications that I was in violation of any policy, procedure, or contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went online to purchase a tool from a website, when paying it linked to XXXX for payment. After a few days i never recieved a recipt or tracking, after a week i tried calling the number listed on the website but it was a fake number. I contacted paypal and they told me because it went through friends and family they cant do anything and contact my bank, i asked for a copy of the recorded call but they refused. I called capitalone, by credit card issuer, and they started a dispute, after 30 days i recieved a letter saying they cant do anything, called again to reopen claim and antoher 30 days recieved the same letter again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I received a credit report in XX/XX/XXXX while trying to do a refi on a home. A collection is reported from Professional Credit Management for {$170.00} with XXXX and XXXX says date of report was XXXX. 
I called the company and inquired PCM said it was for a XXXX  bill with XXXX XXXX in XXXX XXXX. I informed PCM I had never been a client there, and all my medical was done through XXXX PCM said I would have to file a police report for identity theft if it wasn't mine. 
I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and spoke to the receptionist and then billing. She searched my name, my social, my birth date and married and maiden name and I was no where in there system, she searched back to XXXX. She even called old XXXX  that use to work in that office and no one had heard of me. 

XXXX XXXX then called PCM and informed them the data they had was not correct, and PCM couldn't provide enough information for a claim to be valid anyhow. PCM representative stated she wasn't for sure what to do since claim came from them allegedly, and XXXX XXXX informed PCM they should drop it due to lack of data and they were corroborating I did not owe them a debt. 

I contacted PCM again after my conversation with XXXX XXXX. And they said I would have to file a police report, yet they didn't have sufficient data and was informed by their client PCM data was obviously incorrect. 

PCM representative confirmed I had disputed it in XXXX  yet it didn't go anywhere and was still on my credit. 

PCM did not follow through with an investigation and is still trying to collect a debt I do not owe, and which was validated by PCM client.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Good day! I am seeking help from CFPB as numerous attempts of calling our mortgage company has not resolved our issue. Considering this as fraudulent, unfair and deceptive practices towards consumers. We received tax form XXXX Cancellation of Debt from XXXX XXXX for calendar year 2022. We were initially with XXXX Mortgage and entered in a government offered COVID relief forbearance during the pandemic. After the relief period ended, the lender stated put the total amount due as deferred balance on our loan. Our mortgage was then transferred to Rocket Mortgage as of XX/XX/2022. On the mortgage statement with Rocket mortgage reflects the deferred balance which matches the amount on XXXX My question is why would we received a XXXX cancellation of debt when our mortgage statement still shows the amount owed as deferred balance? This amount is not cancelled nor forgiven. We have reached out to Fannie Mae - response received was to reach out to Lender directly. We reached out to Rocket Mortgage- no resolution - response received to reach out previous lender. We reached out to XXXX XXXX escalated issue thrice- no resolution to this matter. We are to file taxes for 2022, and we can not file the taxes unless we are clear on this matter. In my understanding, XXXX cancellation of debt is considered as income - and in this case, debt is not cancelled if it is appearing as deferred balance on our mortgage statement which we still owe. If this debt in actuality is cancelled, we need the deferred balance to be removed from our mortgage and confirmation of the same OR if the debt is not cancelled then a letter confirming that XXXX was sent in error. There are significant number of homeowners who were affected and were able to save their homes during pandemic due to help from the Government. Looking into this matter, finding a resolution and clear understanding would assist us and all who were impacted. We are requesting help and appreciate your review in this matter. Thank you Respectfully. Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I would like a XXXX 2 Compliance check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I would like a Metro 2 Compliance check

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

: XXXX # XXXX, XXXX  : # XXXX, and Account name XXXX XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 12 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/20XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Credit Karma, LLC
State: AL

Complaint narrative:
Around XX/XX/XXXX, I filed a dispute for a XXXX XXXX and a XXXX charge. They provided provisional credit on one of the charges and when I called on XX/XX/XXXX and they said I would receive the second credit for {$22.00} on XX/XX/XXXX. I did not receive it when they said I would but I have since received it. Today XX/XX/XXXX I received an email stating account closure for absolutely no reason. They do not care about people who already have bad credit and they do not care about their customers in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 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: AZ

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX, has violated my rights. 

15 USC 1681 Section 602 Stated I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as later for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB On XX/XX/2022 I sent a letter regarding inaccurate and unknown information on my credit report. 
To this day, over 60 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored regarding my disputes. Section .611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove these Items from my Credit Report. It has been over the 60 days so they should have been deleted or corrected already. I demand these accounts deleted immediately or I will file for litigation due to the stress and financial burden you have caused me. my information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
We believe there are funds that have been misappropriated and we have tried calling PennyMac several times to get it resolved. We are disputing the negative balance that they say we currently have in our escrow account. We had funds disbursed from our escrow account on XX/XX/XXXX for County Taxes and on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ). We understand that these are our property taxes for XXXX, but then we were charged again on XX/XX/XXXX for Miscellaneous Assessment ( MUD taxes ) and on XX/XX/XXXX for County Taxes. These charges are for the XXXX taxes as well. We have basically been charged twice for our XXXX taxes. PennyMac failed to make our tax payments on time to our county and MUD because we received letters from them in early XXXX. We contacted PennyMac numerous times between XXXX and XXXX of XXXX to let them know that they did not pay the county/MUD taxes and it took until XXXX and XXXX of XXXX for them to pay it, and we had no idea that they were actually charging us twice instead of using the funds they pulled from our escrow in XXXX of XXXX. 

We did not realize this misappropriation until we received an Escrow Analysis in XXXX of XXXX that we would be paying {$1300.00} more per month to make up the difference. When we recently called PennyMac concerning this, we were told that our taxes went up for XXXX and we owed more and thats why they took out more in XX/XX/XXXX and XX/XX/XXXX. However, when we looked on XXXX XXXX Countys website and the XXXX XXXX County MUD No. XXXX website they only charged us for the amounts PennyMac paid in XX/XX/XXXX and XX/XX/XXXX. From XXXX XXXX County 's perspective, there is NO RECORD of the amounts PennyMac took out of our escrow account in XXXX of XXXX. We have know idea where this money was distributed or why it was removed. Also, we don't understand why we are just now finding out about this. 

After making several phone calls at the beginning of XXXX and getting zero help, on Monday, XX/XX/XXXX, we spoke with XXXX XXXX ( PennyMac ) who tried to help us, but told us that we were being charged more for our XXXX taxes, which we know now is not true from the receipts from our county and MUD. After speaking with a Tax Specialist at PennyMac, she was supposed to get back with us with an answer on this. She called once and we missed the call. We called back only to find out that the ticket had been closed on this complaint and they could not transfer us to XXXX. 

Yesterday, XX/XX/XXXX, we sent PennyMac LLC a complaint letter and documentation of this issue via certified mail. 

On their website, they claim that their commitment to their customers is to be accountable, reliable, and ethical and we feel as though they have failed us in all three of these categories. 

We would love any help you could also provide us in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to bring to your attention a serious issue I have encountered with my bank, Wells Fargo. I was recently scammed by a fraudulent organization, XXXX, and I have suffered a financial loss as a result. The fraudsters convinced me to wire money through Wells Fargo for fraudulent charges. 

I was shocked to find that my bank did not take any steps to warn me about these individuals, or even halt the transactions when it became clear that the destination of funds was unsecured. I believe that Wells Fargo has a responsibility to protect its customers from fraudulent activities and it is unacceptable that they failed to do so in this case. 

Attached to this letter, you will find evidence of the transactions I made with XXXX. I have also reported the fraud to various agencies, including IC3, SEC, FCC, and the State Attorney Generals from Colorado and California. 

I request that you investigate this matter and take the appropriate steps to ensure that Wells Fargo is held accountable for its failure to prevent this fraud. I would also appreciate any assistance you can provide in resolving this situation and recovering my funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-14 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: DE

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 3 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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