vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
Auto loan taken out from titlemax began in XXXX and continued into the current year of XXXX. The loan began at XXXX. After initialing asking for only XXXX the customer service representative signed me up for XXXX. The following payments were made to the company ( including the deceptive overcharge they send me every month ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These payments have continuously occurred. Interest has been the amount paid toward the balance and illegal fees that are continuous until they just stop and come get your vehicle. This has caused a dent in the way that I provide for my kids and consistent burden on my shoulders trying to keep up with payments and not get my vehicle taken. I never knew my interest was over 150 %. This is an outrage. The company still hasnt addressed the data breach with me and never sent me a notice. I have payment receipts in email and can print for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Our mortgage was transferred from XXXX XXXX to Mr. Cooper in XX/XX/2023. 
On the day the loan was transferred, Mr. Cooper had been hacked and we could not access our loan information for at least a week. 
A class action lawsuit has been brought against them for the breach. 

Once we were able to access our account online, we noted that it showed that we had not paid our monthly mortgage, even though our payments continued to be taken out of our checking account twice a month by XXXX as it had been for over 20 years- through several mortage companies and XXXX different houses with no problems. 

We contacted Mr. Cooper through the chat on XXXX and was told to send proof of payments to XXXX ' to expedite location of the payments and this was completed the same day. No reply email from Mr. Cooper was received. 
Payments were send on XXXX and XXXX. 
We also called XXXX along with our home insurance XXXX as they requested and doublechecked to make sure their information was updated which was confirmed by both. 
At this time we could not make an additional payment towards our principal balance due to Mr. Cooper as we do each month because our account was not 'current '. 

On XXXX, we contacted Mr. Cooper through the chat again. We let them know that we had emailed the requested payment information, our account showed that no payments had been made, and wanted an update. 
They let us know that there was a pending missing payments case opened on XXXX and that is was in process. Case # XXXX, which might take up until XX/XX/XXXX to finalize. They assured us that our account would not be penalized while they worked on our case. They confirmed that there was a 60 day grace period which will end on XXXX - during this time no late fees or negative credit reporting will be applied to our account. 

On XXXX, we received an automated call from Mr. Cooper stating that our mortgage payment was late and that we had to pay today in order to keep in good standing with the mortgage company. 
We tried to call Mr. Cooper directly but they will not let you speak with a representative. When we repeatedly asked for a representative, we were hung up on. 

We have printed transcripts of the chats from both dates. 

Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
On XX/XX/2023 I sent in a dispute to Med Data Systems and asked them to verify a debt that is currently reporting to my consumer report that i do not recognize. Account number # XXXX My Tracking number for this dispute letter is # XXXX. Med Data Systems did not respond to my letter. I even gave them a little extra time to respond to me because i knew the letter had been received. I request this account be removed from my consumer report as Med Data Systems did not follow the time-frame laws set forth by the FCRA. It has been well over 30-45 days. Attached i have proof of my dispute and tracking details.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: WV

Complaint narrative:
I received confirmation from Mohela on XXXX of my loan repayment auto-debit withdrawal request which should have drafted my first loan repayment on XX/XX/XXXX as required. They did not draft my payment and I then submitted a one-time payment via the website on XX/XX/XXXX. I then resubmitted my auto-debit withdrawal request, and received confirmation that Mohela processed it on XXXX. They did not draft my payment for XXXX either as of today, XXXX. Upon checking my account, I discovered that all of my loan accounts have been placed in forbearance until XX/XX/XXXX. I received multiple messages from Mohela in early XXXX related to my PSLF status but did not receive any correspondence related to a forbearance period. 
I called and spoke with XXXX, a Mohela customer service rep, who confirmed that Mohela placed these accounts into forbearance status for all account holders who did not have payments processed properly. They stated that this way no one would risk having late payment fees or accrued interest charges. XXXX XXXX today, I owe nothing on my account until " sometime in XX/XX/XXXX- I can not confirm a due date yet. '' My loans are enrolled in the SAVE program ( formerly XXXX ) and should be under repayment as of XX/XX/XXXX like all other student loans. The rep did confirm that the months in forbearance DO count against the total months of forbearance use available to a customer for their particular loan. I do not understand how they are able to count off months of forbearance allocated to your loan accounts for their inability to process payments properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I signed up for the Capital One Venture card because of it's benefits to use miles/reward points with partner travel airlines XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX. ). 

When I try to use the " convert rewards to partner airlines '' feature, I am put into a XXXX loop that never works. When I click " Convert Rewards '' I am sent to a XXXX page that asks for my phone number. I then input my phone number. The system then tells me the number I have entered does not exist on my account. Even though the phone number clearly does exist on my account because I have XXXX enabled on login, that works just fine. When I try again, the system pops up an error that says call customer service and they will be able to fix my issue. When I call customer service ( I have called 3 times now ), nobody is able to fix my problem and I am told it is a " known issue ''. When I call customer service I am told they can't do anything to help me, don't offer a timeline for the fix, nor provide compensation for my flights increasing in cost while their software is broken. 

I believe Capital One is intentionally creating a " bug '' for users when trying to convert miles to partner airlines. All other travel reward functionality works just fine. XXXX works just fine on my login and other parts of the app. Capital One tells me to use their travel portal instead. Booking through their travel portal my flight is XXXX miles. Booking through the partner airline is XXXX miles. It would make a lot of sense that Capital One intentionally restricts this functionality as users get a much higher $ /Mile ratio sending miles to partner airlines versus spending miles on Capital One 's XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
unauthorized and potentially fraudulent credit inquiries that lack proof of permissible purpose, as mandated by the Fair Credit Reporting Act ( FCRA ). These inquiries allegedly originated from the following Original Creditors : Alleged Creditor # Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA

Complaint narrative:
On XXXX XXXX XXXX I tried to log onto my XXXX XXXX morgage site to make my monthly payment like I have done every month.  Keep getting a message something went wrong  please try again later. I called the morgage company personally and let them know my payment is due and can not make a payment the lady on the phone said everything is down we can not access your account I will make a note u called.

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 2023-11-29 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:
Transunion, XXXX, and XXXX are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.

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 2023-11-29 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:
XXXX, XXXX, and equifax are all allowing these companies to affect my credit report without my consent and have never allowed me to opt out, documentation provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
This complaint is submitted by XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) regarding a prior XXXX client, which is Fay Servicing 's current mortgagor. XXXX informed Fay Servicing in XXXX that we were no longer representing the prior client. XXXX asked Fay Servicing to send the prior client their mortgage correspondence, instead of XXXX 's office. Fay Servicing has continued to send XXXX the prior client 's correspondence. This appears to be a delay tactic in providing Fay Servicing 's mortgagor with information they are legally entitled to in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: KEYCORP
State: NY

Complaint narrative:
The minimum balance is absorbent. It's half of the bill. requested a forensic audit of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Accounts : XXXX # XXXX ( late payment ) XXXX XXXX XXXX XXXX # XXXX ( late payment ) -- EQ UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
This has to be the worst bank I have ever had in my entire life of living and I havent been on this earth for that long. This whole XXXX has been a horrible experience with this bank. Beginning of the month cash was withdrawn from my account and I had to go back and forth with these people to file the dispute. Just to file the dispute, the branch office the people that work online and over the phone all told me different information. I felt like a chicken running with my head cut off because all of the information was conflicting. On XX/XX/XXXX they finally completed the investigation and then gave me my money back. But then guess what? My account is frozen. So I cant access the money that was taken from me. Its so funny because its like BMO basically stole the money back. That is so crazy. I then talk to the fraud department she said oh your account is frozen because of an altered check she said did you deposit I said yes she said oh your account is getting closed it will take 3-4 weeks to get your money. WOW. Didnt even ask for an explanation. I do party planning and decorations. The check was from a client for the remaining balance. I trusted this client as they also paid through XXXX  or cash but they said their account would not let them send it through XXXX  due to the limit and that they didnt want to get that much cash out so I allowed a check. I didnt check it because why would I check it from someone I trust. XXXX and behold the check is Altered and I have no access to the funds I already had and now I also lost out on the {$4000.00} I was supposed to be paid for the decorations. Now I have to go to small claims court for my money. Then I called your back again today the dude says oh you have to go to the branch your account is not closed its just frozen. You have to go to the branch to get your money and then we can close it. So then I called the fraud department again because this isnt what I was told yesterday. The lady this time says oh we are still investigating in whether or not we want to close it but you cant access your money. XXXX. Like do yall even know whats going on at yall bank. Every minute Im being told something different but I know one thing I STILL CANT ACCESS MY FUNDS. You guys want to close my account fine I really dont care I just want my money especially with the holidays coming up. I already have enough going on I dont need the extra stress that you guys have already caused. This is beyond ridiculous. My updated phone number is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: TMX Finance LLC
State: TX

Complaint narrative:
In XX/XX/XXXX  I took out a Loan for XXXX $ from Titlemax. The amount i was to repay was under XXXX . I Refinanced it in XXXX but online was given the option to get more money, There was no mention of switching locations OR that the terms of my loan would change. The New Loan had a different financial institution. Originally it was XXXX XXXX, and then it went to XXXX XXXX. When i spoke to the initial office i signed my paperwork with, they stated it was a due to the location of the Titlemax office and that my loan. I asked if it could be switched back and i was told no. XXXX  Charged me XXXX to payoff my loan with the other title max location and my total loan was under XXXX $ it had only been 30days. In My new paperwork in XXXX showed that i financed over XXXX . And my first payment to then was over XXXX $ in interest and my original payment was under XXXX. My paper work showed my payoff was around XXXX. In XXXX or XXXX i paid around XXXX $ and my balance for the past 6months has stayed around XXXX . the monthly fee charged is XXXX.to XXXX  and the interest to title max is under XXXX  . In XXXX XXXX letter came from XXXX that they could no longer provide me financing due to my credit score. They run credit every time they refinance their existing loans. So i asked for information from the Titlemax office on who is my finance co. And would not sign the refinance paperwork. I did however make my payment. Today at XXXX XXXX  my car was towed out of my driveway of my private residence which i have since learned is not allowed in Texas. I was not provided any documentation telling me who picked it up and where i could retrieve my vehicle from. When i spoke to the title max office 2 weeks ago i was told i was past due because they are still charging me interest on my XXXX payment due to non signing. This is twice this has happened. My currently balance is almost XXXX $ higher than 2 weeks ago. I have not been able to get anyone on the phone with the title max office to find out how to retrieve my vehicle. I had to walk my daughter to school this morning, and will have to walk to pick her up. 
in XXXX because because

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I applied for a loan on or around XX/XX/. The loan was approved, however, it was never disbursed. I contacted Upstart and was informed the disbursement was attempted and requested my banking information. I provided my banking information and was informed it would be a few days for disbursement. The disbursement never happened and Upstart informed me my banking information was correct, but the company was investigating the disbursement problem. On XX/XX/, Upstart deducted the first payment on the loan in the amount of {$72.00}. I have contacted Upstart on multiple occasions and was informed my payment would be returned. I contacted the XXXX  to file a complaint due to disbursement of funds. Upstart contacts me and informs me my loan isnt approved and would return my {$72.00} payment. This has not happened and Upstart is refusing to respond to emails or communicate on this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please review the attached documents. I am urging the bureau to investigate the accounts that falsely report me as late, despite my history of timely payments.

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