vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Re : Your credit card payment is due From : " XXXX '' XXXX To : XXXX Cc : XXXX Unfortunately, your mail was not delivered to the following address : XXXX : XXXX does not like recipient. 
Remote host said : XXXX XXXX relaying denied Giving up on XXXX. 

-- - Enclosed is a copy of the message. 
Capital One My number is a VOIP based service. 

No statement sent!!!!!! 

No amount is owed is in the E-mail. 

No information of where to send Payment. 

How do I pay this bill???????????????????????? 
-- -- -- -- -- Original Message -- -- -- -- -- From : " Capital One | XXXX '' XXXX To : XXXX Subject : Your credit card payment is due Date : Wed, XXXX XX/XX/2023 XXXX XXXX Sign in XXXX XXXX XXXX Your credit card payment is due XXXX XXXX XXXX XXXX XXXX, As a reminder, your payment is due by XXXX XXXX. ET on XXXX XXXX, 2023. 
If youre enrolled in AutoPay or already scheduled a paymentgreat! You can sign in to see your scheduled payments. 
Make a payment Did you know? Paying more than the minimum amount due on your account each month can save you money in finance charges. 

Payment activity as of XXXXXXXX XXXX XXXX. Sign in to see your most up-to-date payment activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX, Mr.CooperXXXX was XXXX victim '' to a cyber attack. Considering that most cyber attacks are found AFTER that attack has occured or while complete system malfunction is occuring, I doubt this happened recently. If they did catch it while it was occuring, it's already too late and their systems are completely and totally compromised That being said, the servicing websites to pay my loan are now completely defunct. The company will not change interest rates, or charge late fees on payments, however this will probably take months to completely resolve. 

I currently can not pay my loan WHILE INTEREST IS STILL ACCRUING.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
In the year 2023 I have sent money via XXXX to friends XXXX times for a total of {$720.00} using my Chase Saphire credit card. I have been charged {$10.00} transaction fee each time for a total of {$320.00}. This equates to transaction charge of 44.4 % plus the additional APR charges that are part of my normal credit card. I contacted Chase and they said this is part of the terms and conditions. The most aggregious instance was when {$2.00} was transferred to a friend and I received a {$10.00} transaction fee which equates to a 485 % financing fee. 

Below are all of the charges : XX/XX/2023 - {$2.00} XX/XX/2023 - {$21.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$12.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$82.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$87.00} XX/XX/2023 - {$25.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$3.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$6.00} XX/XX/2023 - {$17.00} XX/XX/2023 - {$13.00} XX/XX/2023 - {$31.00} XX/XX/2023 - {$5.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$10.00} XX/XX/2023 - {$9.00} XX/XX/2023 - {$20.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$15.00} XX/XX/2023 - {$30.00} XX/XX/2023 - {$51.00} XX/XX/2023 - {$30.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This address is incorrect reporting on transunion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX this is not accurate. I have had it removed from XXXX and XXXX  because they agreed that it was inaccurate. I have also filed a report on identity theft.gov. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately.

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 2023-11-04 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: TN

Complaint narrative:
Trying to buy a house. I found that I realized I had damages on my credit report. This is a defamation to my character. I have disputed this collection several times with the XXXX XXXX and equifax credit agengies but it has came back as verified on XXXX  and equifax but XXXX deleted as they should have. this is not my debt. I've requested that the creditor send me the original contract to prove this debt to be mine. All of my request have gone unanswered. I have not been supplied the doctrine of estopper by silence, egnlehardt v graven ( mo ) 281 sw, 251, 719, 1 presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. This is holding me back from moving forward in life. In no way can this debt be mine. I have not used this company. I have no addresses, phone numbers, or accounts tied to it. It is also reporting as an open charge off account from 2 years ago with recent activity. as of XX/XX/XXXX on XXXX and the last activity on equifax is on XX/XX/XXXX. the date opened on both is XX/XX/XXXX no account details or history on either agency with no term source type. this is fraudulent. Again this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.

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 2023-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Remove both accounts from consumer Equifax Report XXXX XXXX XXXX XXXX XXXXXXXX XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681b -Permissible Purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENITITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, FL XXXX is reporting wrong on this account. this needs to be removed. I have reported this on identitytheft.gov and also with all 3 credit reporting agencies. XXXX and XXXX has deleted this information but experian has not. this is a Violation of 15 U.S.C. 1681i ( 5 ) removal of all inaccurate/invalid credit. Please remove immediately

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 2023-11-04 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: IN

Complaint narrative:
With the restart of loan payments and being a member of XXXX, I called MOHELA to ack about recalculating my monthly amount. The agent in the phone helped me to submit a request for recalculation and submitted a one month forbearance for me while the request was processed. She said to check back in XXXX as it was a one month forbearance only and I would need to request an additional month or two if my paperwork was not processed. 

I recently received a statement saying I didnt pay the > {$400.00} owed in XXXX per my regular statement and that I additionally owed for XXXX and have an outstanding balance of >> {$800.00}. 

I will call again Monday to attempt to correct.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.

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 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Emmett L. Goodman, Jr., LLC
State: GA

Complaint narrative:
I missed 2 months payment on a XXXX credit card owned by XXXX XXXX. That was XXXX and XX/XX/XXXX. When I attempted to pay on the third month, XXXX, my account was closed. I was told by the representative that my account was closed and sold to a debt collector. I requested the information of the debt collector so I could begin payment but was told they did not have that information. The representative told me the collection agency would be in contact with me. I made several attempts monthly to find out from XXXX who I could pay. I finally gave up and waited to hear from the debt collector. In XXXX of XXXX by an attorney 's office by the name of Emmett L. Goodman, Jr. The young lady representing XXXX XXXX was very rude and threatened to garnish my wages. This is in violation of my rights as it was well past the required 5 day notice of acquiring my debt. This was 2 years after the fact. I explained I tried to pay and worked out a payment arrangement. They demanded I provide my banking information over the phone to set up payments. I told her that I was uncomfortable with doing that but if she could provide me with the address and other information, I would be glad to mail certified funds each week. She argued and then after a while stated it would be sent in the mail. I called each week to get information on where to send my payment and was told " it is in the mail. '' I never received anything. In XXXX of XXXX, I was served with an intent to garnish my wages. The amount owed was inaccurate. It was well over what my initial debt was. At that time I owed {$1000.00}. They were charging me over {$1500.00}. I asked if I could settle with {$1500.00}, {$500.00} more than the debt, and was told, " no. '' The garnishment did not go through as I was under another Garnishment that I agreed to. Both of these Garnishments were sent through XXXX XXXX. In XX/XX/XXXX, I was served with another XXXX through XXXX XXXX by the same attorney but now for over {$1700.00}. My rights have been violated by not notifying me on a timely manner of the purchase of my debt, not providing me with a reasonable accommodation to repay my debt, egregious charges being added because of change of jurisdiction, and rude behavior all around. This is one of two debts I owe to XXXX XXXX  and that was bought by this attorney. The other was a XXXX card. The same details with the XXXX card can be given for the XXXX as both were closed at the same time for the same reason and originally owned by the same bank and then sold to the same attorney. The XXXX card had a balance of {$500.00}. Now the attorney is charging over {$800.00}. The payment arrangement set up with the XXXX debt also included the XXXX. Two amounts were to be paid weekly but payment information was never sent for either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2023, I received a refund check ( emergency disbursement ) from the XXXX Bankruptcy XXXX. Prior to making a deposit into my checking account ( open and active since XX/XX/2023 ), I contacted 5/3 Banks customer support to gauge fund availability and best practices moving forward. They stated, that to have my funds available the morning of XX/XX/2023, consider and complete a mobile deposit for this transaction. Since this is text-based support, I have a screenshot of this conversation. I completed the transaction, but prior to confirming, I asked the service rep about a discrepancy with my deposit ( app stated funds would be available XXXX ). She stated that XXXX considers those Mondays a weekend. 

My money is not available as of this morning and new representatives I spoke to, state that my funds would not be available until XX/XX/2023. 

This is an incredibly misleading and abusive process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

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

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 2023-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
For several years I have complained with my bank and cash app about my transactions being doubled and tripled for multiple cash app transactions. Everytime I disputed or complain they tell me no errors are found but yet today while looking at my finances bank account it clearly shows this same occurrence. My cash app transactions are being deposited into his account XXXX times each transaction. Cash app has ignored my arguments about someone stealing my cash app account in whole and refuses to acknowledge any errors on their part. This has cost me several thousands of dollars and is currently still happening since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm a previous Bank of the West customer and am now a BMO customer via the buyout. I've experienced bank buyouts before as a customer, and this, by far, was the worst train wreck transfer so far. 

They didn't correctly transfer my bill pay info. There were all kinds of login nightmares that I'm still dealing with. Most of those were resolved by working with their back. However, even today, half the time I can't log in so I try again, and sometimes it will work. Sometimes I have to close my browser tab to get it to work, and even then, it doesn't always work. This is on multiple computers. 

I decided to close all my accounts. Calling into their phone tree XXXX was XXXX. They have a set of XXXX prompts, then another set of XXXX prompts, and yet another set to be able to speak to a human. I wasn't able to close all of my accounts, so I had to make multiple calls. Finally, today, I closed my last account. Well, kind of. I was told if there's an outstanding balance before the account actually closes, the account will re-open. My balance showed {$0.00} since I transferred the money out earlier, and there were no transactions I was waiting to hit my account, so I was confident it would close. My mistake. I logged into my account later that day, and it showed a shortage of XXXX cents. Of course, there's a problem with this too ; why wouldn't there be? 

So I called back using their phone tree XXXX. I spoke with another bank employee, and caught her up on what I did earlier, and what I am trying to do. She also found it odd that the account was still closed, but had an outstanding balance, and the XXXX XXXX didn't show up anywhere in the account transactions, it just showed that amount being owed. 

She escalated the issue and got back to me, saying that I should try to log in, in a couple of days to see if the account balance was back to XXXX. I was extremely irritated that XXXX had to call back for an issue their bank caused, so I asked that I get a call back when the account had been confirmed closed. They agreed. I never got a callback. 

Even now, when I log in, it doesn't show that any of my accounts are closed. I was verbally told the other accounts were closed, but it doesn't show that on their website.

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 2023-11-04 00:00:00
Product: Credit 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: DISCOVER BANK
State: GA

Complaint narrative:
When i got my statement for XX/XX/2023. They want me to pay them for a credit of {$180.00} they say they gave until my dispute was solved. 
I have e-mails from Discover & the sealer where XXXX XXXX played games with Discover about given me a credit & then retract it then but it back. Now they want me to pay Discover {$180.00} by XX/XX/XXXX I talked to twelve different agents.some say i do not owe it.When ask them to take off of my bill for XXXX. They set me to some who has the power & means to do that but they look at the account they say i owe it But they agree i got two credits & when i tell them since i have not used Discover XXXX XXXXXXXX XXXX take XXXXXXXX XXXX  & pay Discover But what got me, they told me after one of them that i did not have to pay the {$180.00} and a supervisor would call me in 24 hrs. & when i called this morning no one there new any thing about that procedure

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mountain West Financial, LLC
State: AZ

Complaint narrative:
XXXX This is again for the same loan with XXXX XXXX XXXX and the same issue. I made a prepayment which should have been applied to XXXX 's mortgage payment and the applied it to principal. I attempted to contact them multiple ways ( as always ) through chat, secure messaging and phone calls. I finally spoke with someone yesterday who said that she would take care of it but said that she could not get it to show up, while we were on the phone and asked me to give it XXXX hours for the website to update. It has not been a full XXXX hours but I am sure it will not be changed in the next couple hours, as this is their pattern ( they say that they are fixing something and to give them time to update ) and it is never done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

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

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