vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I have been with Mr. Cooper/Nationstar since XXXX of XXXX. My monthly mortgage payments were {$2100.00}. I have been paying every month, on time with more than minimum. I pay {$2200.00} every month on the XXXX of the month. XX/XX/XXXX of XXXX my {$2200.00} payment was submitted by auto-pay. My next statement showed a mortgage increase to {$2200.00}. This was received after my XXXX autopayment. XX/XX/XXXX I submitted my payment for {$2300.00} by auto-pay. 

XXXX XXXX I received notification that I was subject to foreclosure due to missing my XXXX payment. I called Mr. Cooper and was informed that because my XX/XX/XXXX payment was not the total of {$2200.00} therefore it was not appropriated to my mortgage but just sitting there as unappropriated towards nothing. I asked her to fix it and she stated that she would. 

Yesterday, I received notification that my credit score dropped by XXXX points due to Mr. Cooper/Nationstar reporting me as 30 days late on my mortgage. I again called and was told that because the {$2200.00} was not the full amount it was not considered a mortgage payment and thus I was 30 days late. 

1. ) I was not properly notified before my XX/XX/XXXX auto-payment that my mortgage was increased or I would have adjusted my auto-payment like I did in XXXX. I received no formal notice in advance of the increase in my mortgage statement. I only found out it was increased due to looking at my XXXX statement and noticing the increase. 
2. ) If my {$2200.00} payment was insufficient why has it not been returned to me and is being held by the company as unappropriated? That payment is not good enough for my mortgage but good enough to keep my payment? And what are you using my {$2200.00} for if you are not applying it to my mortgage, escrow, or principal? 
3. ) If Mr. Cooper/XXXX refuses to reappropriate my XX/XX/XXXX payment towards my mortgage then I demand that money back plus interest. 
4. ) I demand they rescind the delinquency on my credit report as it is inaccurate and false reporting.

5. ) I have been a loyal customer. I have put my payments on autopayment through my bank to avoid missing a payment or late fees which is what any responsible individual would do. I am a XXXX XXXX with a XXXX degree and my husband is a XXXX XXXX. We are taxpaying, responsible citizens and I feel we are being punished for nothing. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
On XX/XX/year>, I called Chase customer service to close my Chase XXXX account. During the call, I requested to have a check for the remaining account balance sent to my personal address. In early XXXX, I received a statement showing that my account had been closed as of XX/XX/year>, and that the remaining funds had been withdrawn. However, I had not received a check. 

Subsequently, I called Chase 's customer service helpline on multiple dates, including XX/XX/XXXX. Each time, I was told that the company would assign someone to look into the issue and follow up with me. However, no one reached out to me. 

Finally, on XX/XX/year>, I went to my local Chase branch to meet with a representative in person. The representative informed me that the check had not been mailed because, per Chase policy, accounts with a balance of over {$1000.00} could not be closed over the phone. ( I was not informed of this during the XX/XX/year> call, even though my account balance was in excess of this. ) The representative asked me to sign an affidavit declaring that I had not received a check and told me that I should expect to receive a check with my account balance by XXXX XXXX. However, I still have not received a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

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 2024-09-14 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. XXXX XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX is my student loan servicer and my federal student loans are being duplicated on my credit reports.

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 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MO

Complaint narrative:
I applied for a loan for XXXX dollars thru XXXX XXXX on XXXX XX/XX/XXXX. Multiple deposits were made to my checking account in the amounts of XXXX, XXXX, and XXXX. I was instructed to go to XXXX and return the XXXX their money transfer service. I was notified by my bank, USAA, Dispute Resolution, that the merchant had not received payment. I assume, since these deposits ( XXXX, XXXX, and XXXX ) were temporary credits, when the time came to settle the transfers through XXXX, the funds were no longer available, which left me responsible for responsible to XXXX and or USAA for XXXX. On XXXX XX/XX/XXXX, USAA satisfied the obligation to XXXX, leaving my account over XXXX in arrears. My mortgage is due on XXXX XX/XX/XXXX and will be late, it I'm able to pay it at all.

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 2024-09-14 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
This collection was removed from my credit report and has now reappeared with no knowledge as to why. Also I have not received the response from my previous complaint or the purchase agreement that was requested on their right to collect the debt. A list of charges does not verify debt is mine and that I owe this company that is not the original creditor. 

15 USC 1681b

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-14 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report I want the fraudulent accounts to be removed from my credit report immediately because they hurt my ability to obtain credit

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint regarding my American Express XXXX  XXXX XXXX Card, which I applied for under an offer that provided XXXX bonus points after spending {$15000.00} within 12 months. I have met the spending requirement, yet I have only received XXXX points instead of the full XXXX as promised. 

I have reached out to American Express regarding this issue, but the discrepancy remains unresolved. I believe I am entitled to the remaining XXXX points as part of the offer I signed up for. 

I am requesting the Consumer Financial Protection Bureaus assistance in helping me resolve this matter and ensuring that American Express honors the full offer as initially advertised. 

Thank you for your time and attention. I look forward to your help in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
On XXXX XXXX. I attempted to transfer {$6000.00} to my external account. Not to mention Ive had this account for over one year. On XX/XX/XXXX I was surprised to find that my account was restricted due to the activity. I contacted synchrony immediately via chat which i have uploaded the transcript. They wasnt able to assist and advise to contact customer service. I did that and was told to upload documents to verify my address. I was told to allow 2-3 for an update. I called back on the same day to verify if they received my documents and was told no. Another representative provided me an email address to send my documents. I sent them immediately. The next day on XX/XX/year> I called and was told the documents was received and to allow another 2-3 business days. Im upset that I have to continue to wait on my funds thats i worked hard for. I have bills that need to be paid. I need assistance AsAp.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2024-09-15 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: U.S. BANCORP
State: ID

Complaint narrative:
about four months ago i payed off my XXXXXXXX XXXX XXXX through US bank in full online got my confirmation number copied and pasted the pay off page and conf # and saved it in my computer so figured the card was paid off three months later after hearing nothing they said i owed another XXXX dollars and change and there was late fees so now it was up to XXXX dollars by the time i received a final notice, so i called them and got them to drop the late fees off about a month ago and i gave my checking and routing number and payed the so called balance that i didnt pay, wotch i have proof that i paid in full anyways another month goes by and i get another final notice for the XXXX dollars so i called again by this time im angry they told me that i gave them the wrong check acount number and it still wasnt paid so i gave my ch acc # and ro # again and paid it off again today, i gave the correct info this first time right off of my bank app i guess they typed the wrong numbers in the first time which dings my credit each time all i want is this stupid card payed off, there employees are incompitent, i payed i today again i am hoping it finally goes through i swear its some type of interest scam that they charge interest on a payed off card i want my late charges fixed and i want US Bank repromanded i beleive either they are dis honest or in compitent why did i not receive a call or my bills for months

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 2024-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
I paid my American Express Delta card one day late due to the global IT outage that affected airlines and many financial entities on XX/XX/XXXX. The money to pay the bill was coming from XXXX which was down for 3 days. I have about {$1000.00} in related interest charges. Ive gone through all the appeals processes with American Express and they will not refund. Ive been their client for 27 years, spending $ XXXX plus a year. 
Since then, Ive paid my bill weeks early. 
My argument is falling on deaf ears after many hours on the phone.. Horrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Global Lending Services LLC
State: MI

Complaint narrative:
Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: TX

Complaint narrative:
On or near XX/XX/year>, a pop up tent for a gym called XXXX XXXX took down my personal information to include name and general contact info. I did not hear anything further from this company. 

In XXXX of 2024 I was alerted to a negative tradeline reported to XXXX regarding a debt owed to XXXX XXXX. I attempted to get information on this debt from XXXX XXXX first, they not only refused to give evidence of consent to open an account bearing any signatures, but they also refused to let me see " my own '' credit card information on file, only that the card was a XXXX card ending in four numbers. 

The negative tradeline was submitted by a debt collector First Credit services, an agency known for this exact problem, but using several different gyms. 

I checked all three XXXX agencies, no evidence of a card bearing those numbers was found under my name. I disputed the XXXX XXXX as fraud, and requested that the debt collector cease all further contact. 

The whole ordeal seems like one large scam, a debt collector or gym fabricates a debt in my name to pay, and then demands that I prove it is a false debt. Right now there are over XXXX XXXX XXXX complaints over similar situations and the debt collector only seems to back down when FDCPA or CFPB is mentioned. 

Any guidance your organization can provide on how to deal with this would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ

Complaint narrative:
Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/year> Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Chex Systems , Inc , block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX  ; XXXX XXXX XXXX, XXXX, AZ XXXX account number XXXX in the amount of PAID IN FULL {$220.00}. Also, a hard inquiry by XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX, IL 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