vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/XXXX, I requested contact information and an address for the persons/department at University Accounting Services ( UAS ) so they could receive my XXXX XXXX XXXX XXXX Payment Request ( Payment Request ). An XXXX XXXX XXXX can be used to pay off federal student loans and I have a XXXX Loan with UAS. UAS is not registered with the XXXX XXXX XXXX XXXX and UAS needs to fill out a voucher to receive payments from my XXXX award. During this call I asked for an email after the phone call to confirm they are looking into the problem. I received no email confirmation. 

On XX/XX/XXXX, I called again to find out that this request was never looked into. I restated my initial request above and asked for a call back from a supervisor, as well as an email, confirming they are looking into my problem. I received no call back and no email. 

On XX/XX/XXXX, I called to follow up. I was able to speak to a Team Lead, who provided me with the standard address, generic email address and the general phone line. She admitted she wasn't sure what department would handle this request. During this call, I also requested my late fee be removed since I have been troubleshooting this payment request since XX/XX/XXXX. The Team Lead stated they would submit a request to remove the late fee with a XXXX. 

Later on XX/XX/XXXX, I called XXXX and they suggested I get a direct contact and email address from UAS. This would ensure that my Payment Request could be delivered to the correct address and potentially have the voucher filled out quicker to avoid additional late fees and interest. Later that day I called UAS back, an agent answered and told me they could not provide any phone numbers or email addresses for other departments because UAS keeps that internal. I then requested to speak to the Team Lead and the Agent stated that this request would need to be sent to a supervisor, requests take 10-14 business days, and that I can't submit another request because the Team Lead submitted one for me already. 

Since XX/XX/XXXX, I have been the only party to initiate correspondence about my XXXX XXXX XXXX XXXX Payment Request. I feel that there is too much " red tape '' at UAS which is causing my problem to go unanswered and unresolved. UAS has not handled my request in a timely or effective manner, causing more interest and late fees to add up on my account. My next payment is due at the end of the month and I am not confident they are taking steps to help me pay off my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
A loan refinance with our current mortgager, Mr. Cooper was started on behalf of my mom in XXXX of XXXX at the request of loan officer XXXX XXXX. I was looking to get added to the loan due to my mother 's failing health situation. I explained all of this in depth and worked with XXXX diligently to get this done. Throughout the process we returned all documents and followed all guidelines. We even got the necessary paperwork for a charged off home equity loan that they requested so it could be paid off along with credit cards for the refinance. This information was shared with XXXX XXXX, XXXX 's manager who requested the payoff letter and stated that it needs to be current up until XX/XX/XXXX so that it could be paid off with the refinance. We paid {$600.00} for an appraisal and paid {$2600.00} to get necessary repairs that they said was the last hurdle for final approval as we were already at a conditional approval. I tried contacting XXXX during the week of XX/XX/XXXX - XXXX and did not receive a response from email or text which was odd since he had always returned messages with no problem. I was even in contact with the loan processor, XXXX XXXX who was waiting on repairs as well. 

On XX/XX/XXXX XXXX XXXX called me to say there was an issue with a charged off home equity loan, I explained to him and sent him proof that they were already aware of that and underwriting as well. I even provided him email proof of prior discussions. He did not return my calls or emails for two days and XXXX sent a text message saying he no longer had access to the file after a month of working it everyday. XXXX provided no explanation and I was surprised to learn when contacting XXXX that the loan was no longer in her files and was showing cancelled with no reason. XXXX XXXX was helpful unlike XXXX and XXXX. Mr. Cooper needs to honor this refinance and all parties involved need further training on professionalism, honesty and courtesy. This was deceptiveness in all way and sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
I recently became a customer with Amerihome mortgage company on XX/XX/XXXX when my mortgage for property was transitioned from my previous mortgage servicer tocompany, Amerihome. I I have one late payment on the above referenced account for XXXX of XXXX. This late payment is being incorrectly reported and is also within the 60 day period where the mortgaging servicer is not allowed to report negative information during the time of transition under section1681a of title 15 Incorrect information may have been also transmitted from my previous servicer to to the new one causing me not to receive notifications. I have spoken to customer service representatives to discuss the issue and have our email address and mailing address corrected the system, Customer Service agent named XXXX informed me that she does not show that my account is reporting negative info to the credit agencies in amerihomes system but my credit report shows a late payment. She gave me reference number XXXX for our call. Since the company stated my payments with Amerihome would begin on XX/XX/XXXX and reported a late payment for XX/XX/XXXX, this should fall within that grace period by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 3. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

4. Validate Account XXXX CARD Account Number : XXXX Please remove it 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 non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: WA

Complaint narrative:
On XXXX and XXXX, unauthorized transactions were made on the account totaling XXXX. I reported the issue to Branch Manager XXXX XXXX at the bank a few days later. She helped me fill out the fraud forms to start an investigation. To this date, no evidence of an investigation has been given to me. I have no documentation that any investigation actually occurred. 
XXXX now says the bank will not cover the loss. The bank is negligent because the transactions exceeded the daily limit for the account, exhibited an abnormal pattern of activity, and should have been denied on the spot.

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 monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: MI

Complaint narrative:
During A vacation to XXXX XXXX Nevada My identification along with other documents were lost XXXX - XXXX - XXXX I discovered My identity had been stolen after a mortgage application in XXXX - XXXX Prior to this I assumed I have contacted XXXX XXXX on multiple occasions about this problem as they are listed as the original creditor why they are sharing my ssn information with multiple different entities when i never permitted them to obtain this information in the first place is extremely illegal they keep reporting the debt under different shell companies or collection agencies ( XXXX XXXX ) & ( I C SYSTEM ) This will be my first time reaching out to first progress credit card about this scenario

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: WSFS FINANCIAL CORPORATION
State: DE

Complaint narrative:
WSFS Bank is harassing me in collection of mortgage debt. They are calling two phones number resulting in multiple calls per day in many cases. The dates they have called are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Maury Cobb, Attorney at Law, LLC
State: MI

Complaint narrative:
I received a notification today, XX/XX/2022 that XXXX had sent an amount I owed them to collections. They made zero effort to contact me about the money owed, ( they have my phone number, two of my email addresses and my current address, plus both previous addresses were set up to forward mail, so clearly they never made the effort. ) I contacted them and they would not give me any information regarding the debt owed, I called the collections agency and ended up just paying it off. If they had contacted me I would have immediately paid them, however they did not. I am requesting this be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I have conducted several Experian disputes and my account is not reporting correctly. I have submitted my statements from XXXX XXXX and XXXX has even tried to correct the reporting. My current dispute is Report Number XXXX. 

All that has happened is a 60 day late has been reported more recently. My account is closed and current and I have submitted proof. I have even submitted correspondence from XXXX XXXX agents. I uploaded information again this morning to correct the error that is listed and I received an email stating the results are available within 2 hours of disputing. The email instructed me to call an agent ( Experian Dispute Specialist ) at XXXX between the hours of XXXX XXXX XXXX XXXX for assistance because the results were not yet available online. 

The first customer service agent went to investigate my claim and returned stating that he had a bad signal and could not hear me, so he would terminate the call. The second that I spoke with went to investigate and came back stating when they receive information they would dispute, so I tried to explain that I uploaded it to which he responded very rudely speaking over me and hung up in my face. 

This has been a very stressful ordeal and I have not been treated fairly as a consumer who is only trying to have accurate credit reporting. Experian is reporting a 60 day late payment for XX/XX/2022, which is incorrect. They have previously reported XX/XX/2022 as 60 days late and that is incorrect, also. It was paid on time and paypal credit can verify this.

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 2022-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/XXXX I repeatedly reported ID Theft, Fraud re : Cap One credit card.

I received bills from Capital One in XXXX saying I owe them {$690.00}. I reported it to XXXX, Capital One. I don't have a Cap One credit card. I've never had a Cap One credit card. I didn't open a Cap One credit card online at XXXX XXXX. I use my name : XXXX XXXX XXXX, XXXX. I'm XXXX XXXX XXXX, retired. Cap One says I opened a credit card with the name " XXXX XXXX XXXX '' on XX/XX/XXXX online and that I'm responsible to pay them {$690.00}. I didn't. I'm not responsible. Cap One can contact the vendors that represent the {$690.00} and find out who is on their video cameras at checkout that used the card, because it wasn't me. Cap One did a hard pull on my 3 credit reporting agencies : XXXX, XXXX, XXXX dropping my credit score from XXXX in XXXX XXXX down to XXXX in XX/XX/XXXX!! My credit score lost XXXX points not my fault!! WHO can REVERSE this poor credit score DAMAGE to ME??!!! Can Cap One be responsible to me for them letting a computer hacker scam them about my IDENTITY? Cap One should restore my credit back to XXXX, tell the 3 agencies the mistake and erase the poor Cap One credit reported on my credit accounts & my bank XXXX in NY. XXXX XXXX Police arrested XXXX XXXX XXXX on XX/XX/XXXX in XXXX XXXX NY, and he is now in jail at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY. I need these mistakes to be corrected right away and I need Cap One and the 3 agencies and XXXX XXXX XXXX to be notified. The XX/XX/XXXX Cap One Fraud Case # is XXXX and XXXX XXXX XXXX case # is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: DISCOVER BANK
State: CO

Complaint narrative:
I opened a Discover checking account around XX/XX/XXXX, and they decided to close it on XX/XX/XXXX for " suspicious activity ''. I did absolutely nothing wrong, and now they won't return my money for 60 days. I can not wait 60 days, who can? I called everyday between XX/XX/XXXX- XX/XX/XXXX, and no one could help me get the money faster or even an explanation as to what happened. Someone told me I would receive a letter in the mail stating what happened ( implying it would come before my money ), but then someone told me today that letter would not come until my check came with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

7. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. Validate Account Account Number : XXXX Please remove it from my credit report. 

9. Validate Account Account Number : XXXX Please remove it from my credit report. 

10. Validate Account Account Number : XXXX Please remove it from my credit report. 

11. Validate Account Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation