vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. Trans Union took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
XXXX has found no merit to these hard inquiries. But Trans Union who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.

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 2022-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im trying to personally fix the errors in my credit reporting. Instead Im dealing with more issues. I payed of a bill in full with XXXX XXXX XXXX  Account Number : XXXX for {$340.00} they falsely added a second account. Which I had already complained about through the all three credit Bureaus. The company did more research to find out I was right. The second account that was made after I filed a complaint. Was false and misleading for {$580.00}. 
These charges are to be off my account. There is no consistency. XXXX XXXX took off these charges. But add a false XXXX XXXX bill. 
XXXX Account XXXX Open XXXX Highest Credits : {$0.00} Balance : {$94.00} Then there is the issues of the false inquiries. 
Experian has found no merit to these hard inquiries. But XXXX XXXX who have showed no proof. Refuse to take them off with no proof at all. Please help me with these companies false reporting. I filed for the XX/XX/22 this has been more than 30 days. Please help me clear up these mistakes.

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 2022-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
Hello, I have a savings account with Marcus and the account was locked without notice in writing or phone call over the connection to another bank. The company failed to follow procedures correctly as the account was confirmed via XXXX as a Personal Account. This was done on XX/XX/XXXX - the representative asked for me to call them back but did not indicate the account was locked nor indicate an urgency in the message. When I called them back on the XXXX, the representative was not aware of the reason to the call, did not inform me of any issues on the account and could not give me a timeline when the rep who sent me the email would be available. 
I informed the rep that I did not have unlimited time to wait and expected a direct call back or email, none of which happened. There was no notice that my scheduled credit card payment would not be made. The payment to my XXXX Credit Card at XXXX Bank was declined result in a late fee of {$29.00} and Finance Charge of {$3.00}. The company refused to accept any form of written evidence of the charges and made me take time over the phone to verbally detail each item. I then received another call ( t XX/XX/22 ) to call them back and then learn verbally that finance fee reimbursement was denied behind reasoning that was flawed and continued their non-transparency in dealing with me. I am expecting a refund of my fees paid to XXXX in the amount of XXXX to be reimbursed by Marcus for non-communication. I have attached the credit card statement with fees and the returned payment confirmation. The company made no effort to fix this matter and made no disclosure of a closure despite the fact that I was in full compliance- even their email to me indicated a request for a call back without time frame and did not indicate that the account was not sending funds. They did not communicate in an open and transparent matter and did not trust their technology to verify the legitimacy of my accounts, leading to the financial penalty that I incurred. I have attached a copy of the fees incurred as a result of Marcus ' actions...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX XX/XX/XXXX, I informed Capital One that I was a victim of fraud amounting to {$1900.00}, on an unauthorized transaction. I called them immediately after the fraud took place, and, my husband also called them seconds later, when he saw this transaction was pending to our credit card account. We both told the Capital One asscoaites this was fraud, and asked them to not process it. The next day, it posted to our account. In the next three weeks we worked with their Fraud and Dispute departments. On XX/XX/XXXX, they sent me a letter ( see attachment ) informing me their investigation was complete, and that I would be covered by their {$0.00} Fraud Protection Policy. The money was credited to my account on XX/XX/XXXX. On XX/XX/XXXX, my account was debited for the full amount. They did not call us as to why this latest adjustment was made. On XXXX XXXX, my husbands account was credited, and later that same day, debited that amount ( we do not know why ). On XX/XX/XXXX they credited my account that amount, and on XX/XX/XXXX, it was debited again. Since the initial fraud transaction, they have manually credited and debited our charge card account 8 times for this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Accounts Receivables, Inc. (FL)
State: FL

Complaint narrative:
I was in a car accident in XXXX and thought all of my medical bills were paid from my settlement. I NEVER received a bill from XXXX XXXX, I never received a call from them, they never reported the debt to any credit reporting agency -- They just sued me in XXXX. I thought this was settled and done, I didn't think I owed any money because I told the lawyer how little money I had at the time and my health, I had a XXXX not long after this. There was no mediator in the room with us, it was just me and the lawyer, I don't think that was right. It doesn't feel right. I didn't understand what was happening and yeah, I understand that I signed the paper but I did so under false understanding. There was no third person in the room with us to be an impartial party. Since that day in court, I haven't heard anything from this, I have received NOTHING stating I owe XXXX XXXX and the only calls I've received are robocalls that don't even include my name so I assumed they were spam. I was not properly notified and now they are garnishing my wages and refuse to work with me when I reach out. As soon as I was aware of the debt I reached out. The garnishment is preventing me from paying other debts I knew and agreed to and my credit score has dropped over 100pts.

I really think there should have been a mediator, I feel like if there was a third party in the room they probably would have made sure I actually understood what I was to do and none of this would be happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: NJ

Complaint narrative:
I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Transunion. Proof was sent as an additional reference. On XXXX it says that the high balance is {$0.00} but on Transunion it says that the high balance is {$310.00}. Per Section 15 U.S.C. 1681i. I requested Transunion to delete the following account for inaccuracy on my credit report. This letter was sent on ( with proof ) XX/XX/2022. I received response on XX/XX/2022 saying that the account was verified.

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 2022-10-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am aware, consumer reporting agencies on a nationwide basis must maintain a joint notification system. I, the consumer have reason to believe and do so believes, this subsection was enacted to maintain maximum possible accuracy amongst consumer reporting agencies. This information for the accounts listed below on my consumer report do not match other consumer reporting agencies shown in Exhibits B, G, I &, K, which means your company has failed to maintain reasonable procedures to keep a joint notification system and is in violation of 15 U.S.Code 1681b ( e ) ( 6 ). These accounts must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
On XXXX I contacted Mr. Cooper to schedule a payment in the amount of {$600.00}, to be debited from my account on Friday, XX/XX/2022. The agent I spoke to confirmed via recorded audio that my payment was to be taken on XX/XX/2022. Well first she stated the XXXX and I had to correct her. The agent incompetently scheduled my payment for Friday, XX/XX/2022 which resulted in my account incurring a {$29.00} returned check fee. I contacted Mr. Cooper on XX/XX/2022 and reached an agent named XXXX. I explained the complete situation and XXXX, completely wasted my time because she didn't listen to me or understand what was going on. She called my bank, XXXX to confirm the {$600.00} transaction had been completed??? I was talking about a return check fee and this fool wants to confirm that the {$600.00} had been taken out of my account. You are confused??? Yeah, so was I. I had to stop the conversation with her at a point as her incompetence was too much to take. I was eventually transferred through Tier 2 escalation to XXXX who was equally as useless. I felt like she was busy with her cell phone as it took her forever to respond to anything. I finally sent an email to XXXX with a screenshot of the processed return check fee. I want my {$29.00} returned check fee back. I will not be punished due to the incompetence of someone else!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: NC

Complaint narrative:
I have a car loan with Westlake financial. The car has been repoed an they have called me literally 10 times a day since the car was repoed and I have already explained my situation with them. Last night was the last straw for me with this company. Here is the email I sent them this morning to file a complaint for harassment about a guy that called me last night from their company : Last night I had a phone call with someone from collections name XXXX XXXX. His attitude and yelling at me about my car and my situation were unacceptable. I'm personally going through a hard time right now. I have became the primary caregiver for my XXXX XXXX XXXX grandmother who recently has XXXX  her XXXX. Needless to say between caring for her, my XXXX daughter, and my XXXX XXXX XXXX son. I have not been able to work as much and my car is now in a repo situation. When I received the call from this man with westlake financial last night I was very emotional and upset to say the least. Our conversation made me even more upset and in distress. The way he talked to me was offensive and I did not appreciate his tone. I was clear that I was not in a mind frame to deal with anymore stress. Finally after he argued with me about my car and claiming that I was requesting to defer XXXX  months of payment which I was not asking for, he transferred me to a new person. She was a woman who was nice and kind. I ask that you go back and listen to this conversation between XXXX and I. And also listen to the conversation between the female I spoke with last night and you will hear the world of difference between how he treated me and how she treated me. He was abusive in his tone and argumentative with me during a time when I needed a compassionate and caring person. I understand that my situation has caused my car to be repoed and for that I'm sorry, however no one deserves customer service like I experienced last night no matter of their financial situation. I was upset and I did yell, and cry and everything else, however his response to my stress was unnecessary and some of the worst customer service I have ever had in my life. I did not deserve to be treated the way he treated me. This situation with this car has caused me extreme emotional and mental stress and I'm trying to find a way to solve all of this. I have cried many nights over all that has gone and I've been able to sleep, his actions caused me even more mental and emotional distress. If you need more information regarding this please contact me at 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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: KEYCORP
State: OH

Complaint narrative:
I did a mobile deposit of a check to Keybank through their mobile bank on Thursday XX/XX/XXXX, when I deposited the check I got a prompt saying my funds would be available on Friday the XXXX. When the funds weren't there I contacted the bank and they told me that my funds would be available until the XXXX taking a hold of XXXX days to my deposit. 

I talked to them and told them that although terms and conditions on my account do mention the possible hold while depositing a check, the prompt on the app saying my funds would be available the next day if I did a mobile deposit was misleading. 

The supervisor at the contact center told me that if that was the case, it would be misleading. Upon checking what the prompt said he confirmed what I said was correct and said that indeed, information could be " clearer '' but that he could not do anything about it. 

Now I stand with Keybank holding my funds and no access to them for what I consider to be negligence for their error while drafting the information on the prompt or misleading information if purposely placed liked that knowing it differs from the information on their terms and conditions that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TX

Complaint narrative:
I have sent multiple letters disputing accounts on my credit report, but I did not receive any response or results. Please take action immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: Freedom Mortgage Company
State: NJ

Complaint narrative:
My mortgage balance keeps going up on my credit reports but my balance on my statement is {$25000.00} less. It shows {$260000.00} on credit report but {$240000.00} on my mortgage statement the {$240000.00} is the correct balance but they are not reporting that. It also shows Ive only made XXXX payment in 4 years XXXXIve already sent my current mortgage statement to the credit bureaus but to no avail with anything being changed

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 2022-10-07 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: SC

Complaint narrative:
I am filing this formal complaint with your office as well as sent a complaint to the Mohela Ombudsman, and also sending complaints to the SC XXXX XXXX XXXX XXXX, Federal Student Aid, SC XXXX attorney general as well as my congressional representative. 

As of XX/XX/2022, I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX For more than XXXX ( XXXX ) years and a total of one-hundred XXXX ( XXXX ) payments, I have worked tirelessly to maintain the correct payments, maintain those payments on time, and submitted the correct Forms year after year required to remain in the Public Service XXXX XXXX XXXX XXXX Now, today, on XX/XX/2022, at what should be a celebratory and happy time for me, I have spent over XXXX ( XXXX ) hours on the phone with Mohela representatives trying to get a simple letter indicating the facts stated above : That as of XX/XX/2022, I have reached payment number one-hundred XXXX ( XXXX ), and therefore my loan will be submitted to the Department of Education for XXXX XXXX XXXX However, I am simply being told, " Sorry, it might take up to XXXX ( XXXX ) days for us to even verify your employment, before even submitting your loan. '' Not to mention, they tell you in the most condescending way possible. If Mohela was going to service XXXX loans, they should have been prepared for this very scenario. Not only does it take HOURS to even reach someone on the phone initially, but once you do, they are not at all helpful and couldn't care less. Up until this last leg of my loans, I have been serviced by XXXX XXXX and never once did I have any of these issues. 

The purpose of my request for a formal letter indicating I have reached my one-hundred twentieth ( XXXX ) payment in the Public Service XXXX XXXX XXXX XXXX XXXX because I am in the process of purchasing a new house. This letter will allow the Mortgage underwriter to exclude from my debt ratio the balance of these Federal Loans. Reaching this point in the XXXX XXXX XXXX XXXX XXXX is a milestone that Mohela employees should go out of their way to expedite processing. XXXX XXXX employees take very low-paying jobs all while serving their communities and in some cases, like mine, risking their lives on a daily basis. Instead of being of assistance, Mohela is operating as if they don't want to process these loans for forgiveness. 

I am requesting a response to this complaint. 

XXXX XXXX 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 2022-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
Someone tried to open a XXXX charge with pieces of my information, but were declined for inadequate info. I was informed that fraudulent activity was happening, and I notified credit agencies to freeze my records. Several weeks late, I received a complete background check on myself, requested to First Advantage XXXX XXXX by a company called XXXX XXXX XXXX. I did not authorize this, but the returning information is probably enough for a criminal to " fill in the blanks '' and completely assume my identity. Interestingly, neither Arise nor First Advantage had my proper home address... they do not know the street number, yet they have the correct street. I called XXXX and they said that I had authorized a background check. I told them to send me a copy of my authorization. They sent me a generic form from XXXX, with an automated, electronic signature which is clearly not mine. Both companies are liable, in my opinion. Incidentally, First Advantage had a phony email address for me, so I had them send me the document to a legit email address.

Company response to consumer: Closed with explanation