vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-15 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: TN

Complaint narrative:
Mohela has provided a shockingly low payment count for my PSLF waiver. They have only counted 2 payments outside of the Covid forbearance period. I have been employed in public service XXXX. 

Mohela disqualified 6 payments, claiming they were " outside acceptable timeframe '', contrary to what the pslf waiver says. They did not count 3 large, lump-sum payments ( over {$5000.00} ) made by the department of defense that should have been counted for multiple months. They did not count a {$10000.00} payment I made in XXXX of XXXX ; which should have counted for up to a year, for even a single qualifying payment. They provided me records of these payments recently, so I know they are aware of them and I believe they ignored them on purpose. 

I was also on XXXX military deferment from XXXX of XXXX until XXXX of XXXX but none of these months were counted. Mohela confirmed this deferment but did not count these months. 

Finally, since XXXX of XXXX I was placed on forbearance for 43 months consecutively and 45 months cumulatively. I was not given credit for any of these months. During the periods when I was being placed on these forbearances I was repeatedly steered away from income based plans in writing and over the phone, leaving me with monthly payments that would have been over 25 % of my net income. 

On Mohela 's Limited PSLF Waiver page it simply says periods of forbearance and deferment do not count towards the waiver, without pointing out the exceptions for long periods of forbearance or military deferment. I believe this is a deceptive practice designed to keep payment counts lower than they should be. 

Here are the payments I believe were ignored : - '' outside acceptable timeframe '' : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
-military deferment from XX/XX/XXXX through XX/XX/XXXX XXXX XXXX payments : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( had I been on income based repayment these would have covered 12 months each ) - {$10000.00} payment made on XX/XX/XXXX -Consecutive forbearance for 43 months ( XXXX XXXX XXXX ), then forbearance again in XX/XX/XXXX and XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD

Complaint narrative:
My account with XXXX was transferred to Citizens bank due to a merger between the companies ( XX/XX/2022 XXXXish ). I signed up with XXXX for an account that did not allow overdrafts. If XXXX allowed my account to overdraft, it was their fault and so they did not charge me overdraft fees. When Citizens acquired XXXX, they took it upon themselves to change my account to one that allows overdrafts and overdraft fees ( since it's a way for them to earn more money ). When the ONLY branch in Maryland closed for remodeling, I was forced to change my {$7000.00} monthly direct deposit to a bank with actual branches. However, I still had some small {$30.00} bills that auto-pay from the Citizens account so I would XXXX  the XXXX money to cover those expenses. 

On XX/XX/XXXX, a monthly auto-pay subscription charged my account {$5.00}. This caused an overdraft of {$3.00}. Then, two more smaller transactions occured bringing the total overdraft to {$6.00}. I was charged a {$35.00} fee for this {$6.00} overdraft. On XX/XX/XXXX, I was notified by Citizens that my XXXX account was deactivated. This made it very difficult to get actual cash into the bank to cover the {$6.00} overdraft. From XX/XX/XXXX- XX/XX/XXXX, I was charged an additional {$90.00} in overdraft fees for " extended overdrafts ''. When I called about XXXX on the XXXX, customer service did not notify me of my overdraft or the potential of additional fees.They offered no assistance or advice on how to remedy the loss of my XXXX. 

For an overdraft of {$6.00}, I have now been charged {$120.00} on a 15 day overdraft of {$6.00} ( equivalent to an interest rate of more than 1800 % ). I called and although I never agreed to an account that allows overdrafts, I was told I was automatically assigned to this account type. The EverValue Checking account offered by Citizens does not allow overdrafts and, therefore, does not charge overdraft fees when Citizens CHOOSES to allow the account to overdraft. THIS would have been the most equitable account to transfer me to from my similar XXXX account. 

I am requesting the {$120.00} in overdraft fees to be refunded as 1800 % on a 15 day loan of {$6.00} is excessive and unfair. Other banks do not charge fees when you overdraft less than {$5.00} ( the initial overdraft was {$3.00}, less than {$5.00} ) and some are less than {$10.00}. Citizens is taking advantage of unsuspecting XXXX customers who were not previously allowed to overdraft and gouging them with unreasonably high fees. Additionally, on XX/XX/XXXX, I was not informed that my account was overdrafted and I was at risk of having additional fees charged when I called about the XXXX deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received an alert from the credit reporting bureau.. That I owed XXXX for a medical bill I advised the representative I never received a phone call nor a mailing in reference to such debt and that it was unfair to place in my report with out allowing me to look over the information. I never received a bill.. 
They had the incorrect address and the representative insinuated that I gave the wrong address.This was a car accident and I was admitted to the XXXX  They had an address Not sure how these invoices never reached me. But it was certainly not my negligence.. My insurance paid all bills as I had full coverage auto as well as medical insurance through my employer

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 2022-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I purchased my home back in XX/XX/XXXX. Since this time we've seen significant market appreciation and I wanted to look into getting rid of the PMI on my loan. I initiated the process with my mortgage servicer back in XXXX and we completed an appraisal with the vendor of their choosing. 

The value of the property came back evidencing I did in fact have the 20 % equity in the home and my understanding was the PMI would be dropped. I have spent the last 60 days going rounds with Mr. Cooper as they won't drop the PMI but also can't provide an articulate reason as to why they won't drop it. They needed 15 days to research it initially, then another 30 days to look into it again, finally I called again today and they stated no progress has been made, they're unable to expedite and they're unsure of when someone will have any sort of articulate/intelligent response. I was advised I refused to send an e-mail by my 2nd escalation specialist. I inquired if that meant they did nothing for the past two weeks, no action was confirmed. I wasn't permitted to speak with a supervisor as they have a 2-4 turn time for this process. I've acted long enough in good faith with zero traction. XXXX with the escalations refused to call me back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. When I was successful in getting another representative they lied and claimed XXXX had left me a voice message yesterday which I have since confirmed is not the case. 

My understanding was was 20 % equity was reached in property, after evidenced by an appraiser of the mortgage servicer 's choosing, PMI is to be dropped immediately. 

Finally, they're still trying to invoice me for the report despite not being able to utilize said report for intended purposes. 

I can obtain a copy of the most recent mortgage statement & appraisal if helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BARCLAYS BANK DELAWARE
State: NM

Complaint narrative:
Barclay 's recently acquired accounts from XXXX bank in XXXX. During the transfer, autopay was turned off and not reactivated on my XXXX account. As a result, multiple late payments were accrued and reported to credit reporting agencies. I was not aware that they were no longer honoring the automatic payment agreement. I found out about this today and paid the balance owed and fees plus the current payment ( {$230.00} ). Barclay 's refuses to remove the delinquent marks from my credit record.

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 2022-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: DISCOVER BANK
State: NC

Complaint narrative:
Called Discover on XX/XX/XXXX for the payoff amount was told it was {$18000.00} and within the 120 day deferred interest period until XXXX. I clearly asked if the loan is paid off by XX/XX/XXXX the amount will be {$18000.00} or original loan amount $ XXXX payments and was told YES repeatedly. 
Called today XXXX to pay it off and was told it was {$18000.00} and that interest was not deferred?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-15 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MN

Complaint narrative:
I sustained hail damage to my roof back in XX/XX/XXXX. It was not discovered until summer of XXXX. I filed a claim with XXXX XXXX. ( Claim # XXXX ). The roof was completed XX/XX/XXXX. XXXX XXXX mailed me a check for XXXX. I sent the check to Flagstar Bank for their endorsement along with the adjuster 's report. They sent the check back without the adjuster 's report for my and my wife 's endorsement and send it back to them. They cashed the check. I informed Flagstar the roof was completed back in XXXX. I have been back and forth with Flagstar Bank-loss dept. ( XXXX ) Asking for the check so I can pay the contractor. They told me they do not have the adjuster 's report and I need to send it to them. ( They have the adjuster 's report when I sent the XXXX check to them ). They told me they requested a copy of the adjuster 's report from XXXX XXXX the XXXX XXXX claim rep. I spoke to XXXX XXXX on XX/XX/XXXX, sat. evening when he called, and he told me he had already sent Flagstar the adjuster 's report. I called Flagstar XXXX XXXX and spoke to XXXX on a recorded line. She informed me they already have the adjuster 's report and will release the funds and order a roof inspection. The roof was inspected on XXXX XXXX. To this date, I have not received the check for XXXX. Can someone tell me what Flagstar is pulling? Did they invest the insurance company 's money and do not want to release the funds? It appears they are using the adjuster 's report as an excuse not to release the funds when they have had it all the long. I looked into my file last night, it said waiting for documentation??????

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 2022-09-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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