vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
MOHELA continues to make the student loan repayment process confusing for consumers. I am continually receiving documents on a frequent basis with updates to a payment schedule that makes no sense. When the website transitioned to the new platform, I lost my automatic payment discount. I am now back on automatic payments with discount applied ; however, the last XXXX payments made, 100 % of the payment was applied to the interest with 0 % going to principal. This is so confusing and I don't know why there seems to be an issue. I was told I need to payoff the interest balance so that any future payments will be properly applied ; however, I need to call customer service to ensure the payment is reapplied to interest and not principal. So confusing! Within the last two days, I received yet another letter about a repayment schedule change. I am being told I am " paid ahead, '' but nobody can explain as to how this came to be and if I am paid ahead, why the payments go to interest and not to a combination of principal and interest. I also received a letter dated XXXX XXXX, XXXX that my account has a forbearance applied. The dates of forbearance is XX/XX/XXXX through XX/XX/XXXX. Why am I receiving this notice so late? Also, the website shows {$0.00} due for my next payment on XX/XX/XXXX ; however, customer service confirmed a payment will come out. However, according to a letter I received, my payment isn't due until XX/XX/XXXX. I have a total of XXXX loans with MOHELA, one of which has a small balance. They informed me I am unable to apply the majority of my payment to the smaller loan, because the other XXXX loans will show as delinquent. This is absurd. I want to pay down the smaller loan balance first to payoff the loans quicker, but I am being told no. This feels like they are taking all of my money and I am unable to get ahead. Payments are being mismanaged and MOHELA can not provide answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: RI

Complaint narrative:
My wallet was stolen with my ID and Social Security Card. Multiple fraudulent accounts have been opened. When I first received a copy of my credit report in XX/XX/2023, I found the accounts to be errors. The company Discover Bank has two different accounts ( XXXX & XXXX ) with addresses of which I have never used and or never resided. I have been asking for months for a signed contract with my signature and they have failed to do so. Yet, they have sent me letters that have a different account number ( XXXX ) on it with the same balance as ( XXXX ). On the bill that was sent to me with account ending in XXXX has an address that I have never resided at. Account ending in XXXX has two bills with both a XXXX balance, one with an address that I never lived at and a po box that I have never owned. Also, I received a letter from Discover Bank stating that " After completing our investigation, our records indicate we have not placed the inquiry referenced in your dispute on your credit file that is viewable by us. You may be seeing a promotional offer or an account review inquiry that is only viewable to you and not viewable by other creditors. '' how can I have an account with no inquiry from them in their records. I have attached the letter with the above statement and all documents that has sent me. And, also attached is my original police report that has the account number that was first on credit report. New Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have a 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 consumer credit plan as late for a 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 non-monetary relief
Consumer complaint received 2024-09-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
My personal and private information was used to open up access to two lines of credit that I did not know about from Midland Credit Management Inc. in which it is stated from them assumed credit card debt for a total assumed amount of XXXX. Since then they have added these items to my credit report under their name, then removed them when first disputed in XX/XX/XXXX. It is still unclear as to how they acquired my personal information and how this information was handled as their Affadavit of Sale of Account does not explain who the, " debt buyer, '' is and how they even handled the information and the assumed debt. They have also threatened me under 18 USC 894 and 15 usc 1692 E ( 5 ). The first instances of this as they have sent back responses in request to validate the assumed debt, four of which dated XX/XX/XXXX that has, " Midland Credit Management v. XXXX XXXX, '' but no case number and there was no lawsuit known at this time. The second instances of 18 USC 894 and 15 usc 1692 E ( 5 ) are for notices all dated XX/XX/XXXX in which it is stated, " In the interim, we are ceasing all collection efforts until the conclusion of the investigation of your dispute. '' This implies that until further conclusion of the investigation of the dispute that they will not do any collection efforts. These notices did not mention anything of a lawsuit. On XX/XX/XXXX I then got a summons for these two accounts which went against the prior notices sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NC

Complaint narrative:
The transaction in question involved me sending money to my boyfriend, a U.S. citizen and veteran, to cover my portion of our upcoming flight to XXXX. In response to CashApps request, I provided detailed information, including all relevant transaction details and other important documentation. Despite my compliance, CashApp has frozen both my account and funds that were sent to me, preventing me from accessing money that is rightfully mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2024-09-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
The mortgage company had escrowed the property taxes into the mortgage payment. During the month of XX/XX/XXXX I received a notice from the county tax bureau that the home was being sold for non-payment of taxes. I contacted the mortgage company and they said they would resolve the matter. As it turns out, they had not paid the taxes for the years XXXX, XXXX, and XXXX. The combined taxes, penalties, and other costs come to over {$6900.00}. Now they are trying to assess me for the those fees. I had requested a payoff estimate which should have been around XXXX. They are now asking for XXXX to cover the closing cost and the escrow shortage they created.

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Citi has failed to address a critical issue related to the misrepresentation by their customer service representatives. Despite assurances that my promotional interest rate would not be affected by a returned payment, Citi wrongfully terminated the promotional interest rate and has failed to properly address this issue after multiple contacts. Additionally, Citi 's response letters have been automated, and they have ignored essential details, such as the return check fee and the proof I have provided. 

Details : XXXX. **Misrepresentation** : - On XX/XX/XXXX, a Citi chat representative explicitly told me that my promotional APR would not be affected by the returned payment. 
- Despite this, Citi terminated my promotional interest rate ( 0.99 % valid until XX/XX/XXXX ), leading to increased interest charges. 
- I have provided my XX/XX/XXXX statement, which clearly shows the 0.99 % promotional APR as valid. 

2. **Prompt Resolution of Payment Issue*XXXX : - Upon discovering that my auto pay was incorrectly set to pay the full balance, I immediately contacted Citi and my bank. I promptly made the minimum payment to rectify the issue and avoid further complications. However, despite my quick action, Citi continued to mishandle the situation. 

XXXX. **Misinformation on Payment Attempts** : - When I contacted Citi by phone to stop additional payment attempts, I was incorrectly informed that only my bank could cancel the attempts. My credit union clarified that Citi, not the bank, was responsible for initiating the payment attempts, which caused further confusion and unnecessary fees ( including a return check fee ). 

4. **Inadequate and Automated Responses** : - Citis response letters ( dated XX/XX/XXXX and XX/XX/XXXX ) have failed to address the main issue the representative 's misrepresentation and instead have referenced unrelated promotional periods and late fees, while ignoring the return check fee. This appears to be either an automated response or intentional foot-dragging. 
- I have attached multiple chat transcripts and other relevant documents showing that I was promised my promotional rate would not be affected. 

XXXX. **Ongoing Financial Impact** : - Due to Citis actions, I have incurred additional interest charges totaling {$440.00}, which includes : - XX/XX/XXXX : {$77.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$73.00} - XX/XX/XXXX : {$80.00} - XX/XX/XXXX : {$67.00} - XX/XX/XXXX : {$73.00} - I am also requesting a review of any interest charges from XX/XX/XXXX that XXXX have been applied improperly. 
- I have spent a significant amount of time and energy trying to resolve this issue, and Citi has not offered any meaningful resolution.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXX Account Number : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: PA

Complaint narrative:
On XX/XX/year> I sent Community National Bank a Cease & Desist order. They are reporting fraudulent information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX Account XXXX : # XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 

Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I hope this letter finds you well. I am reaching out regarding a recent review of my credit report. Upon examining the report, I discovered a collection account from Professional Debt Mediation, reported in XX/XX/year>. 
I am writing to provide some context and appeal for your understanding regarding this matter. While I fully acknowledge my financial responsibilities, unfortunately, I found myself in a situation where I fell behind on payments due to extenuating personal circumstances. Specifically, I had cosigned for a financial obligation without being made aware that payments were not being made in a timely manner. As soon as I became aware of the situation, I took immediate action to rectify it by paying off and subsequently closing the account. 
I am currently in the process of applying for a mortgage, and it has come to my attention that this collection account could adversely affect my ability to qualify for the loan. I firmly believe that this isolated incident does not accurately reflect my overall creditworthiness or my commitment to fulfilling my financial obligations promptly. 
Given the circumstances and the steps I have taken to resolve the issue, I respectfully request that you consider making a goodwill deletion to remove the collection account from my credit report. Doing so would greatly alleviate the potential negative impact on my credit profile and significantly improve my prospects for securing the mortgage I am seeking. 
I genuinely appreciate your time and attention to this matter. Thank you for considering my request, and I sincerely hope for a favorable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to dispute items on all three credit bureaus and haven't had any of them respond.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to dispute items on all three credit bureaus and haven't had any of them respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My personal information including an old address, current phone #, and my social security has been found on the dark web and sold to fraudsters due to a Data Breach with XXXX XXXX XXXX XXXX once in XXXX and again on XX/XX/XXXX. I now have another company XXXX XXXX XXXX that has had a security breach that includes all addresses I have lived at as well as my DOB and Social Security as of XX/XX/XXXX. I have credit monitoring and have been able to stop the XXXX accounts from being opened however on multiple attempts I have requested that inquiries be removed as well with no luck. My specific grievance is with Macy 's / CBNA ( requested inquiry be removed in XX/XX/XXXX ). and XXXX ( request inquiry be removed in XX/XX/XXXX ). I have also opened disputes with XXXX and XXXX XXXX and their response is that they need the creditor to remove the inquiry- they can't help me. Being a victim of fraud is very upsetting and frustrating because they all say they want to help you yet they do NOTHING. I have managed closing the accounts or stopping them from being opened myself. I have placed Security Alerts with all credit bureaus. I can not afford to hire a Credit company to help resolve this. I take pride in my credit standing and would appreciate accurate reporting from the creditors.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
1 credence resource management ceases any further unauthorized access to my credit report.2 credence resource management compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA.3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

Company response to consumer: Closed with non-monetary relief