vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
My husband and I refinanced in XXXX with XXXX XXXX. In XXXX, we received email notification that it was transferred to XXXX XXXX as of XX/XX/XXXX. But via written mail, it stated the mortgage was transferred to Mr. Cooper. We have not received any written correspondence from either servicer confirming the new account service. The number provided is a call center with limited assistance. An email was sent to XXXX XXXX and Mr. Cooper last week. I can not locate meaningful contact details for XXXX XXXX. We are thankfully in a financial position that is not in default ; however I know how these situations can affect our credit scores. Please help. We are already dealing with major XXXX XXXX circumstances and these types of situations are incredibly frustrating and difficult to navigate and manage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
In XX/XX/XXXX, I entered into a new vehicle lease with Toyota Financial. At the same time, I was in the midst of moving XXXX XXXX XXXX XXXXXXXX. I have leased vehicles through Toyota Financial for the past 5 years. During this time, I have always had my payments scheduled to automatically withdraw from my checking account, and I have not once had a late payment. With my move XXXX XXXX XXXX XXXX, there was an additional tax added to my payment that I was unaware of. Having my payments automatically withdrawn each month, I trusted that everything was okay. Over the course of the past XXXX years of this current lease, I have spoken with Toyota representatives numerous times and was never informed that I had an outstanding balance. In XXXX of XXXX, I received a letter stating that I had an unpaid balance. After receiving this notice, I called Toyota and spoke with a representative who informed me that the amount due was the difference in amount from the monthly increase ( though, she was unable to tell me why there was an increase ). Having this brought to my attention, I promptly sent an electronic payment to cover the entire balance. To my great displeasure, this incident resulted in a negative mark on my credit reportstating that I had a 30 day late payment, when in fact, I have not been late with one payment. This negative mark destroyed my previously excellent credit score. I have spent hours talking to Toyota Financial representatives and writing to the company directly to dispute this mark on my credit and requesting to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is not being honest and took money from my joint account with XXXX XXXX. There is no wage garnishment against XXXX XXXX who is XXXX  XXXX and stays at my residence. There was nothing served or filed with the courts. The Case Number is a Collection Debt Agency, NOT a Court Order. XXXX XXXX has never been contacted by anyone for this debt that is beyond the statute of limitations in the State of Florida for collection. 

We are requesting the money be returned to my account with interest. XXXX XXXX and I have tried to get a copy of this supposed wage garnishment and there is not one, it does not exist, and it is beyond the State limits to collect on this account or even obtain an order. Bank of America refuses to provide a copy of the Lawyer or Court Filing Information. 
There is a pending case XXXX that this is being added to now that Bank of America has responded to that case, this is a new case since they refuse to supply proof.

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 2022-02-13 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I CONTACTED XXXX XXXX XXXX NUMEROUS TIMES VIA MAIL, EMAIL AND BY PHONE ; I ALSO CONTACTED HER VIA SOCIAL MEDIA. XX/XX/2021 XXXX  MADE A MISTAKE AND APPLIED TWO PAYMENTS ON ONE ACCOUNT MAKING THE OTHER ACCOUNT DELINQUENT BY A FEW WEEKS. XXXX IMMEDIATELY CHARGED OFF THE ACCOUNT AND REPORTED TO THE CREDIT BUREAUS. XXXX  REALIZED THE MISTAKE AND CORRECTED THE PAYMENT PORTION BUT THEY HAVE REFUSED TO CORRECT THE 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 2022-02-13 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: Chime Financial Inc
State: PA

Complaint narrative:
On XXXX XXXX my Chime checking account was fraudulently charged {$180.00}. The transaction was listed as having been placed by " XXXX XXXX XXXX ''. I researched the company who placed the transaction against my account and found it they are engaged in massive fraud. Having XXXX  them I found thousands of posts and articles about this company and other names they have been operating under when fraudulently withdrawing money from people 's accounts. 

I contacted Chime providing them all the details on the transaction. Stated I did not engage in any financial transactions with XXXX XXXX XXXX  and never authorized any transactions by XXXX XXXX XXXX. 3 weeks passed and I emailed Chime support for an update. I received a automated reply. I replied to the automated reply and within 2 hours received a notice that they had closed my dispute claim and determined the transaction not to be fraudulent.

I appealed and provided more details on the company and digital printout of various articles detailing the fraud XXXX XXXX XXXX  ( AKA XXXX XXXX XXXX XXXX ) was engaged in. Another 3 weeks passed with no response. I contacted Chime support AGAIN requesting an update to which they replied back in less than 5 minutes that my appeal had be closed and they found no fraud. I have requested their documentation and evidence supporting their finding. I have yet to receive a reply much less copies of the evidence they claim to have based their decision on. 

I have run out of options where Chime is concerned. After searching for help through XXXX I found that filing a claim with your offices is my best course of action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 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: NC

Complaint narrative:
I am a consumer whos rights has been violated. I extended the use of my credit to USDA RURAL DEVELOPMENT. The company have operated dis honorably and have conspired with the consumer credit reporting agencies to deprive me the benefits of my credit which caused serious damage and interference with commerce. I have tried to resolve this matter. The account has been is dispute status for over a year, the debt hasnt been validated and my consumer credit has been destroyed. During the debt validation process all collections must stop. USDA and reporting agencies has reported three late payments which is fraud and has severely caused damages to my consumer profile which has yet to verified. Transunion has banned, stopped me from putting in disputes about USDA. These corporation are operating above the law and no one seems to care. I hope this message reaches a pure soul who is here to 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 2022-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I set up auto pay for my American express card so payments will be on time. After completed the form in their system ; it confirm that payment will be taken out on XX/XX/XXXX. Well XX/XX/XXXX came and no payment was taken out and i was assessed a late fee and late payment report to credit bureau. This was not right because their system was incorrect and when I contact the service department. They make it seem like it was my fault. The same thing happen prior month in regards to auto pay. Also, I originally had choose a minimum payment of {$40.00} but because of the late penalty. I have to made double payment. I attached a document that proves that their auto payment system informed me that payment was to taken out on the XXXX of XXXX but did not happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-13 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I asked Equifax on different occasions to investigate a dispute I submitted regarding incomplete information appearing on my credit report provided by them. The account, XXXX # XXXX, is missing its date of last activity. 

Equifax is required by law to provide me with a complete and accurate report, but they have not corrected my report. ( see complaint # XXXX ) It is a violation for Equifax to knowingly state that something is complete and accurate, when it is clearly incomplete and inaccurate! They can not report that my account is verified and accurate, when it is not. 

Equifax is required to update my file with the missing information, or delete the account. They have not updated my file. The missing date of last activity still exists. The account has not been deleted. 

Since Equifax will not properly investigate, I am requesting that this account be immediately removed from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: GA

Complaint narrative:
This is a continuation of complaint XXXX. I have done further research that I would have hoped Mutual of Omaha would have done. At the time of closing fund for the HO policy were collected for 12 months in the amount of {$950.00} clearly marked for XXXX XXXX XXXX XXXX. In XXXX XXXX of XXXX paid my insurance again in the amount of {$1000.00}. That tells me the attorney they had for the closing never followed thru paying my HO policy. I want to be refund the {$950.00} that was part of my closing cost. Since is the attorney the mortgage company sent to the closing they should be the ones to resolve this. 
Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One rep read from a script & wld not even acknowledge the problem. Even spoke w/supervisor - same result.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on Trans Union LLC XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXX XXXX XXXX XXXX  Account No : XXXX Duplicated twice on XXXX XXXX XXXX Account No : XXXX Duplicated twice on XXXXXXXX XXXX XXXX Account No : XXXX Duplicated once on 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 non-monetary relief
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file XXXX XXXX Account No : XXXX Duplicated three times on XXXX XXXX XXXX Account No : XXXX Duplicated once on XXXX XXXX XXXX XXXX XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX XXXX  Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated twice on Experian XXXX XXXX Account No : XXXX Duplicated once on 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 2022-02-14 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: BARCLAYS BANK DELAWARE
State: DC

Complaint narrative:
In early XX/XX/2021, I was charged twice for the same car rental. XXXX charged me {$260.00} on XX/XX/2021. XXXX also sent a receipt. 

XXXX charged me {$270.00} on XX/XX/2021 ( posted XX/XX/2021 ). I did not receive a receipt from XXXX for this. 

During the booking process, I believe that XXXX  referred me to XXXX, but I never saw the name XXXX until I received this duplicate charge. 

I e-mailed XXXX on XX/XX/2021 and they said that if we received extra charges, we must have opted for extra items. But we didn't pick up the car until XX/XX/XXXX, so we couldn't have opted for extra items by XX/XX/2021. I also have a receipt from XXXX  ( the actual car rental company ) showing no incidental charges before or after the car drop-off. 

I have searched my e-mail inbox and spam folder for any receipt from XXXX or a receipt in the amount of {$270.00}. 

I contacted Barclarys credit card to dispute the XXXX charge in XX/XX/2021. The XXXX ID is XXXX. 

In response to their inquiriy, I e-mailed copies of the receipts from XXXX and XXXX to Barclays. I have provided all of this information in writing, by e-mail. I have no more information to provide. Barclays sent a letter dated XX/XX/2021. They say they need more information.

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 2022-02-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently checked my credit reports with Equifax and have located accounts listed on my credit file without furnisher account name listed that is currently affecting my credit score. I have disputed these findings with Equifax, and they have not updated the record with the furnisher account name information or removed it from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I have contacted this company over the years about this debt asking them to prove this account belongs to me never send a letter verifying this is my account also sold this account to another lender send request in XX/XX/XXXX 2021.these are the requested items from company 1.original contract with my signature 2.payoff disclosure 3.interest 4.balance history 5.payment history 6.credit insurance Never received this information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA
State: CA

Complaint narrative:
I was scammed by a fraudulent school loan and I dont know if it was paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on Experian XXXX XXXX XXXX Account NoXXXX Duplicated on two times on XXXX Two accounts with no furnisher account information listed on 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 2022-02-14 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: WI

Complaint narrative:
Credit bureaus did not complete a full investigation. Did not removed errors off 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 2022-02-14 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes 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 IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In XX/XX/2021, I noticed XXXX XXXX was reflecting on my credit report negatively. I sent a letter to the bureau in XXXX XXXX, disputing this inaccurate information. The account is paid in full and was paid in good standings. The account is reflecting a chargeoff status which is inaccurate, not true.

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