vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-29 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: NM

Complaint narrative:
Starting in XX/XX/2022 I have been reaching out to mohela to find out how my application was going. I sent inmy new application for pslf per mohela request when they took over my student loans. They sent back an auto reply that stated to give them 90 days to process applications because they were being inundated. Since then I have sent 7 messages. I have been unable to get a hold of a customer service rep and when I finally did yesterday they told me they have never received my application and that since they hadn't I no longer qualify for the limited pslf waiver. They then decided to transfer me to a manager because I stated why would I be calling and sending multiple messages if I never sent an application? I held on the phone for an hour and a half with no answer, just holding music. This is just XXXX problem I'm having with them. I have multiple, but they only reply with auto reply on the secure messaging that is not helpful. They have made it too difficult to contact them and my loans are being grossly mismanaged. At this point I don't know if I need to get legal representation. All my messages are secure on my site and it is obvious I have been reaching out for months to try and figure out where my application is, why my eligible payments aren't rolling over and also I submitted a decrease in working hours and requested they change my monthly payments based on this. None of this has even been addresses. This is a horrible company and XXXX begging for help. I'm a XXXX XXXX who has worked through the pandemic with covid in XXXX XXXX patients. I have worked for the same company that is non profit for 12 years. I am the poster child for pslf program. Please help me. Thank you, 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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit Management, a debt collection agency employed by XXXX Bank reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX XXXX GA where I reside. XXXX XXXX the attorney 's office used to file the lien sent over a settlement agreement where the full debt would be settled for two payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court lien would be withdrawn. Both Midland Credit and XXXX XXXX have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello, My name is XXXX and I am writing with great disappointment at Capital ones service, I am still unable to access my account for over 3 weeks as funds in it has been frozen without any official explanation, since XX/XX/XXXX due to funds sent from my cousin XXXX XXXX which I tried to transfer but to no avail ever since capital one is yet to provide any adequate information or detail I need more information on my accounts status funds received returned to sender ( XXXX XXXX ) if my full access is not reinstated. 

My account details below : Amount : XXXX Bank : Capital one bank Account name : XXXX XXXX XXXX Account number : XXXX Routing number : XXXX Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Veros Credit, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX my check had begun being garnished by Vero 's credit. I reached out to this company multiple times for the lack of the accurate reporting on my credit report when the balance I have for this company is only {$880.00}, the company has informed me over the phone that the debt will continue to grow interest but going back to my paystubs no interest had been added until my last check dated XX/XX/XXXX. Further more, the company claims that I owe them still {$1000.00} which is inaccurate. The company list this account as a collection but the IRS defines collections as taxable income. therefore, this information shall not be furnished on my account. due to inaccurate reporting and trying to add fees not included in the paperwork this should be deleted from my consumer report. IMMEDIATELY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022, XX/XX/202 202

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed that there is an inaccurate information thats negatively affecting my credit and causing me stress and damages because Im not able to use my VA benefits to purchase a home because of the inaccuracies on my credit report. There is a charge of reporting to my credit report and the IRS considers charge offs to be considered income and income isnt suppose to be reported on a credit report. Therefore my credit report is not showing 100 % accuracy and is damaging my reputation as consumer and XXXX is not doing their job and is violating my reporting rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Purchased XXXX SERVE American express pre paid cards on the XXXX XXXX in the amount of XXXX per card, I presume to add XXXX on each card, I did a payment transfer XXXX off of each card on the XXXX XXXX to in amount of XXXX to my transfer but to my surprise XXXX was deducted off of each card, I call my payment transfer company and they only got the XXXX ( XXXX from each card ) so here I am because XXXX not getting a human to speak to when I call the SERVE company. I want answers please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have contacted TransUnion several times in regards to the inaccurate information that they are reporting in my public records pertaining to a XXXX bankruptcy that was dismissed and closed in XXXX and company called LCI CONSUMER CENTER is in fact reporting this inaccurate information I have talked with the supervisor @ TransUnion and she made me aware on XX/XX/XXXX she was able to send the documents that this bankruptcy was in fact dismissed and closed she file another dispute in regards to the inaccurate information and TransUnion sends verification again that this was verified. I will be attaching information from the XXXX XXXX XXXX, XXXX XXXX AND THE COURT AND THE COURT CERTIFIED TRANSCRIPT OF THE ACCURATE INFORMATION. THIS SAME INFORMATION WAS SENT TO LCI XXXX XXXX AND TRANSUNION. TRANSUNION WAS TOLD BY XXXX XXXX TO REMOVE THIS INACCURATE INFORMATION AND TRANSUNION HAS REFUSED.

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 2022-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
Rocket Mortgage ( is the second party in complaint XXXX ) And XXXX XXXX XXXX XXXX ( XXXX ) different inquiries for ( XXXX ) different loan amountsXXXX XXXX XXXX XXXX XXXX XXXX for {$200000.00}. Rocket Mortgage LLC loan # XXXX {$200000.00}. With the " facts '' stated. And I even gave XXXX " an opportunity to cure still didn't want to hear it. The inquiry on my consumer report is evidence that XXXX received the money as a credit. The estate name is on the application. The trust is in the natural persons name, evidencing who is the beneficiary of that said trust. Im the beneficial owner of that traded security account. My natural name registered, via copies of IRS form XXXX as Power of attorney and Form XXXX to make any claims on the estate. As beneficiary I would like the security interest value of the asset released immediately 15USC1615. Send certified cashiers check in the amount of {$200000.00} with in 10 business days to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: SD

Complaint narrative:
Synchrony bank closing all of my credit accounts with no reason, never missed a payment or ever late, they sent me a letter stating that Activity on accounts with Synchrony Bank indicative of high risk of failure to pay. When I call them I get the run around or the letter says it all, but I dont understand, like I said previously never late, never missed a payment, this is also on my credit report as Closed by Grantor, will this be another negative on my credit? I think they owe me an explanation!

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
XXXX XXXX XXXX, a debt collection agency employed by XXXX XXXX  reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX county GA where I reside. Altridge Hann the attorney 's office used to file the XXXX sent over a settlement agreement where the full debt would be settled for XXXX payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court XXXX would be withdrawn. Both XXXX XXXX and Altridge Hann have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
I alerted Citibank and my bank XXXX XXXX XXXX XXXX XXXX XXXX South Dakota about a fraudulent Citibank account that scammed me of {$21000.00}. I sent them all the information about the account with dates, name, routing/account numbers. They have promised to do a full investigation but have went silent to me and my bank. Banks such as Citibank are required by federal law and applicable regulations to know their customers and understand their banking activities and conduct. They failed. I have offered them plenty of time to conduct an investigation.

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 2022-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Have XXXX cards with Venmo. Was unable to regain access due to XXXX as a result of my XXXX phone services being disconnected due to XXXX Venmo was unable to authenticate the account as I did not have access to this phone number and as a result I was unable to close the accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My wife and I are in the process of closing on a house, using funds which are currently deposited in a XXXX account. Since opening our XXXX  account the bank has had several mergers and system changes which make it very confusing to know what the terms of service are and which company we need to reach out to for information about our account : XXXX, Webster Bank, Sterling National Bank, etc. In early XXXX, we searched on the Sterling National Bank 's website ( because our account login is XXXX ) and after downloading a terms and fees table found that the bank offers online wire transfers that we could use to close on our house. However, on XX/XX/XXXX ( one day prior to our closing date ) when we received the final closing amount, this bank ( or group of banks ) was completely incapable of assisting us or returning our money to us. After about a dozen calls to many different entities within this confusing organization, we received a plethora of contradictory and incorrect information, including : - wire transfers were possible ( several sources ) and also were not possible with our account ( several different sources ) - wire transfers were only possible online and ( other sources ) were only possible on site in branches in New York - our funds were managed by Webster Bank, our funds were managed by Sterling National Bank, our funds were managed by XXXX bank After 4+ hours of phone calls and 4+ hours of driving to New York just to be told that they will not help us, we are still left without any way of accessing our own money in a timely manner. 

The company 's best solution which we are now pursuing is sending us an unverified check in the mail, which will likely take several days to arrive, we will need to take this to another bank, it will take several days to verify and deposit it, and then 24 hours to wire it for closing. 

The root of this problem is that we repeatedly received bad information, which is going to cause us to lose over {$500.00}, countless wasted hours, and possibly the purchase of our home. 

- Bad information on the company 's various websites. 
- Bad information through our online portal 's contact page phone number which directs users to the incorrect institution ( Webster Bank ). 
- Finally, even when we reached XXXX, their customer support believed we could complete wire transfers, and were quick to try to end our call ( all of our many calls began with long waits on hold ) with false information. 

Having multiple unorganized entities quickly redirecting customers to long holds is a great/efficient way for banks to avoid helping customers, and it damages consumers through a thousand small blows via obviously unreadable small print.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I was a customer of XXXX also known as XXXX  in 2016, I paid my bill and kept the bill current. There was a dramatic switch in the cost of their services so I decided to leave the company, close my account and no longer receive their services. The process was I should disconnect the equipment, go to the local office and drop equipment off. I did exactly that, went to the XXXX XXXX  office, dropped off the equipment and the account was closed. During that time, I was part of one of the biggest lawsuits with XXXX. It was a class action lawsuit concerning previous employment there. Brand v XXXX where we sued for discrimination, labor law infractions and unsafe work practices. We won the law suit, collected our checks and the case was closed. Soon thereafter there's information being reported that I did not return equipment. I've called let them know the receipt numbers and they said ok its taken care of. Soon thereafter this is being reported to the credit bureau that I owe {$610.00}. Every time I report it, they reply that this is the amount owed. There are no receipts on their side, no history of anything accept a bill for {$610.00}.

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 2022-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello there, I'm experiencing an issue with a credit reporting agency/consumer report company. I have tried to request a freeze of my credit report from Clarity Services , Inc ; a part of XXXX consumer reporting and multiple times denied my request, even after verifying my identity. 

Consumer Protection Law requires such a company to furnish my request upon verification of my Identity, which I have done. They have violated my right and exposed my information to bad actors, causing me an identity theft problem.

I requested a freeze of my credit from all credit reporting/consumer reporting agencies because I was seeing unusual activity on my credit accounts. All the other agencies complied with the law and request, but Clarity Services , Inc. This morning, someone has been trying to charge all my credit and debit cards once used with my auto loan payments ( i.e. ; with XXXX  - my auto loan servicer ). I have locked all the cards and the pain of this is because my information was thrown to the wolves without my authorization and when I caught it, Clarity services wanted me to prove further my Identity by sending a copy of my social security card!!!! Why would you need my social security card when I have given you my social security number and answered all the verification questions, except for the purposes of delaying my request to your ( Clarity Services ) own benefit from my information? 

I'm looking for help regarding this request and the protection of my identity.

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 2022-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: WV

Complaint narrative:
Both of my vehicles were up for repossession  due to losing work/being put off work due to covid. I spoke with the company multiple times trying to get arrangements made since my husband and I were both out of work due to contracting covid multiple times. We were able to get help in XX/XX/2022 with getting a personal loan to pay everything that needed to be paid to keep the vehicles. Within a couple of months after giving the company just under {$7000.00} to keep the vehicles from being repossessed, the company started coming at us again trying to repossess the vehicles. I have made multiple attempts to make payments with the company for both vehicles. Every time I make a payment with them now, my accounts get disabled. I have to fight to get the accounts activated again just to make payments. I have not been able to make any payments since XXXX. Which was my last payments on both vehicles. I have tried calling every week to try to get my accounts activated again to make a payment on both vehicles. This has happened with every payment I have made in the last year. And now my vehicles are up for repossession once again and they refuse to work with us even though it is not our fault we are having these issues. My husband spoke with the company today ( XX/XX/2022 ) and is able to make a payment through an account just for the truck. I am still unable to get my account unlocked to make a payment for the other vehicle. They also stated that even though we make a payment to cover almost 3 months they will not take the one out of repossession. They are trying to make us pay almost {$10000.00} for both vehicles to keep them out of repossession. {$5400.00} for the truck and roughly {$3000.00} or so on the other vehicle. I do have the days, times, etc wrote down in my calendar/planner of all the calls and attempts for payments.

Company response to consumer: Closed with explanation