vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: MN

Complaint narrative:
There have been ongoing issues with my account. I was taken out of deferment and charged interest and invoiced payments starting in XX/XX/year>. When I called because my account was supposed to be in deferment they said they made a mistake and will refund me the interest and payment ( 60 days or more ). It has been over sixty days and haven't seen the money or interest. I was deemed ineligible for my PSLF count in addition. 
I have been making targeted payments as I have always done and MOHELA claims I can't do that. They forced me to make an additional payment. The only option I have when making a payment is targeted loans. When I made the payment it charged around {$30.00} more than the payment due. After making the payment it showed I still owed {$.00} due. I completed the payment on XX/XX/XXXX. In the mean tiem I am getting emails that I missed a payment. Today I checked and it shows I owe {$220.00} due by XX/XX/XXXX. This would be a third payment. 
If I am late on a payment they told me I will lose PSLF. I have 100 payments out of 120 already made. 
They have claimed during the last time I submitted PALF employer paperwork that it was denied as they weren't able to confirm. Keep in mind I have been submitting for eight years prior. I had to wait on the phone for three hours to talk to someone to get is fixed. I recently received an email sharing that I have not submitted PSFL paperwork in over a year and it was due. 
They have made threats of upping my payment requirements. 
They have been sending memos sharing that they are dealing with all of this, but aren't In one memoe a paragraph shows that XXXX through XXXX will be eligible for PSLF counts and another paragraph that says I will not get credit for XXXX. 
Another issue is when I pay off my targeted loans they are still showing repayment and not paid to be reflected on my Credit Report. 
I have raised concern with them, XXXX XXXX XXXX ( who continues to try to close the case without resolve, the XXXX AG 's office and now you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: NJ

Complaint narrative:
The Flagstar Bank has charged about {$190.00} per incident of a return payment for a total of {$570.00} for 3 returns which is very exorbitant and punitive. Also they have changed the method of payment to certified check and not even accepting wires. We are already struggling to make the payment and this creates more hassles of leaving work to get a check and mail it. Also we will need payment one week ahead.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: NC

Complaint narrative:
This is my second complaint as the first complaint proved ineffective. I hope this one does not. In XXXX, I had Loans 1 and 2 disbursed. In XXXX XXXX XXXX, I took out Parent Plus loans for loans 3 and 4. I asked for consolidation around XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, loans 1 and 2 were forgiven. According to the Dept. of Education, Mohela ( my service provider ) was to have adjusted the consolidation request so that loans 1 and 2 were not part of the consolidation. Mohela failed to do so. Accordingly, a consolidation loan of over {$90000.00} was issued to satisfy my four loans. But loans 1 and 2 were already discharged effective XX/XX/XXXX... so what happened to the loan amounts that were supposed to pay off loans 1 and 2? I never received the loan proceeds for loans 1 and 2 and they could not have been applied to payoff loans that were discharged effective 3 years prior. Nonetheless, Mohela inexplicable says I owe over {$110000.00} when they know 2 of the loans that were part of the consolidation were forgiven prior to consolidation and my amount should be much lower, i.e. about {$40000.00}. They have repeatedly stated they would adjust my account but do not do so. As recently as XX/XX/XXXX, a supervisor with Mohela said my account would be adjusted within 14 business days -- and it is 2 days past that deadline with no adjustment. I can not make payments on my legitimate loan amount because Mohela refuses to adjust my account, adjust my payment to accurately reflect what I owe in principle, or forward to me the consolidation loan proceeds that could not have been applied to loans 1 and 2 because they were forgiven beforehand.

I think it is clear they are violating the Fair Debt Collections Act by misrepresenting both the nature and amount of loan I owe. 

Please help and advise what other laws they XXXX be violating. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I did a debt consolidation loan in XX/XX/year> and my financial insustition mailed out cashier checks to all my debts. The check was cashed but never applied to my account, i have requested ongoing investigation on how this happened and where the money has gone. They just advise that they can not locate the funds. The check has the appropriate address and account number. This is now impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: CA

Complaint narrative:
Phoenix Financial Services LLC XXXX XXXX, XXXX  XXXX XXXX, IN XXXX sent a letter attempting to collect an alleged debt on XX/XX/XXXX, for services rendered Between of XX/XX/XXXX & today??? ( I was unemployed from XX/XX/XXXX to XX/XX/XXXX at that time and did not have any medical insurance nor Cobra ) I started my new job on XX/XX/XXXX. I have zero outstanding debts in collection and pay all debts timely. The Original Creditor claims to be XXXX XXXX XXXX XXXX XXXX XXXX stating that I owe {$46.00}. XXXX XXXX XXXX refused to provide a hospital, a specific date of service, location, medical services rendered, or any specific services tied to the debt. The company was aggressive, threatening, and unprofessional, On XX/XX/XXXX I requested by phone at XXXX XXXX  PST a written Verification of Debt. to which the company accosted me asking " Why can't you remember what happened on XXXX of XXXX?!? '' This is almost 3 year window where any of this could of occured. This 100 % improper and illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of TD Bank, NA for a Target credit card. They did not inform me that they had this debt in their hands and went straight to filing a lawsuit. On top of that, I found out about the lawsuit through other attorneys sending me advertisements mail asking me if I needed help for a lawsuit filed against me. I took this seriously because I received so many of them, and checked the XXXX XXXX system and saw that there was a lawsuit. I called Target directly and that is when they informed me of this and this was with XXXXXXXX XXXX XXXX XXXX The attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are the ones responsible for this. I did not get the opportunity to validate the debt and had to confirm with TD Bank/Target directly after a lawsuit was filed. They also did not try to resolve this with me but instead used the legal system to intimidate me. In addition, to not notify me of what was happening in the hopes they could get an unjust default to win their case against me by me not knowing about the lawsuit. I researched and saw they have a history of just filing lawsuits against people.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
It has come to my attention Capital One is illegally reporting a collection on my consumer report that was both never verified or validation in accordance to 15 USC 1692g. I also never gave Capital One permission or written consent to report this account to my consumer report in accordance to the privacy act of XXXX  and the GLBA. I'm requesting this information be blocked and removed within 4 days as required by law while capital one is being investigated. I also attached an FTC Fraud report below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
A collection notice showed up on my credit report. Credence collection agency posted that I owed XXXX XXXX XXXX XXXX XXXX. I never used XXXX XXXX XXXX for phone service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

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 2024-02-14 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Recently I checked my credit reported and noticed multiple billing errors under 15 U.S. code 1666 ( b ) billing error- ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligir or a credit issued to the obligor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: FL

Complaint narrative:
TRANSUNION AND XXXX IS IN VIOLATION UNDER 15 USC 6802

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 2024-02-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX AND EXPERIAN IS IN VIOLATION UNDER 15 USC 6802

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 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Good Morning I would like to address this issue by saying that I contacted synchrony bank due to some credit cards that I owe. I stated that I am going through a financial hardship due to an illness that could potentially be deadly to me so I am unemployed due to that matter and they did not apply any type of hardship services for my matter and I would like to have this matter cleared up so that it would not continue to have a negative impact on my credit report. A representative told me over the phone that they could not do anything about that and that they will still continue to have late payments and negative impacts on my credit and will continue to call me concerning the bill. I think that is unfair and very evil and I would like for something to be done about this matter and would like for that negative impact to be removed from my credit report.

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 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.

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 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to you out of sheer desperation and frustration regarding the abhorrent treatment I have received from US Bank. On XX/XX/2024, I took the responsible step of reporting fraudulent charges on my account, only to be met with a nightmare that has left me and my family in dire straits. 

Without warning or explanation, US Bank froze my account on XX/XX/XXXX, leaving me unable to access any of my hard-earned funds. Despite my repeated attempts to seek information about why my account was frozen and how long their investigation would take, I have been met with nothing but rudeness, disrespect, and a painful run-around. 

The consequences of their actions have been devastating. On XX/XX/XXXX, US Bank prevented my rental payment from going through, resulting in my landlord serving me with an eviction notice. As a result, I am now facing the very real possibility of homelessness, along with the added burden of not being able to provide for my XXXX young children. 

Adding insult to injury, I have an XXXXyear-old son scheduled to return home on XX/XX/XXXX, and I am unable to afford his plane ticket due to US Bank 's callous actions . It breaks my heart to think that I may not be able to welcome him home because of this unjust situation. 

It is incomprehensible to me how a bank, entrusted with the financial well-being of its customers, can wield such power without any regard for the human lives they impact. It feels as though they have made robbing their customers an effortless endeavor, while they continue to profit off of our hard-earned money sitting idle in their bank. 

I implore you to intervene on my behalf and hold US Bank accountable for their actions. No one should be subjected to the kind of treatment and hardship that I have endured at the hands of a financial institution. I am not just a number on an account statementI am a person, a parent, and a member of society who deserves to be treated with dignity and respect. 

Please help me regain access to my funds and restore some semblance of stability to my family 's life. Your swift action in this matter would mean the world to us. 

Thank you for your attention to this urgent matter. 

Sincerely, 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 2024-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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