vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I signed modification paper work on XX/XX/2022. XXXX XXXX got my paper work back on XX/XX/2022. My modification docs said payments will start on XX/XX/2022 and that's what the account will show. Well i called about the acct in XX/XX/2022. One person said wait to make the payment and then another would call and say make a payment. This has been going on for several months. There has been several phone calls in between then and now from the company and to the company. Most of the time I was calling them at least 1-2 times a month. They started out calling me everyday although I was going thru a modification. I told them I was waiting for them to complete the modification so I can start my payments. They would call and say Im on a modification and I would ask why they keep calling? They would tell me let me check the account oh I see you on a modification is there anything i can help you with? I would say no. This does not make any sense. I would say around XXXX I started calling them because they stopped calling. Just to make sure everything was good. On the calls they would tell me they are waiting for the buy out phase. Once the buy out phase is complete you and then start making your payments. I told them that this is not right that they are taking so long. I also stated that this is how you all make people loose their homes. So I talked to them on XX/XX/XXXX the person informs me that {$6600.00} was needed to complete the modification. I told her I didn't have that money. On XX/XX/2022 they told me I had to pay {$6600.00} or the modification would be declined and I would have to pay all he past due amount. I offered to give them {$1500.00} and pay the rest in 10 days they said no. I called back and offered {$4100.00} and rest by end of month and they said no. I am calling all I know to borrow money for the {$6600.00}. They also told me if the mod is declined I would have to do another one and they may not approve it based on how I handled this one. I told them that's not fair to me because it was not my fault that they have not processed the modification. So i had to beg and borrow to come up with the money because I didn't want to loose my home. So Im in the hole with people that I borrowed from. I need help because this is unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 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 XXXX 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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX  XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have 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 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 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
XXXX XXXX has been paid in full account still shows open and not paid in full. Paid in full should be reflecting on credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Regional Management Corporation
State: VA

Complaint narrative:
I received a loan from regional finance and began making payments on the loan. Due to economic hardship, I began having problems making on-time payments. I made payments that I could and worked with the company to refinance the loan. The company has appeared to lose my paperwork on XXXX separate occasions which have resulted in failure to refinance the loan. As a result, I have had the company call my work and personal cell phone non-stop disrupting my ability to work. I provided proof that all documentation was supplied as requested. 

Additionally, the about to refinance and assist me is now higher than the original amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I made a cash deposit on Sunday XX/XX/23 @ XXXX for {$6000.00} the atm took the majority of the cash but returned {$800.00} and kind of jammed the dispensary so I got a receipt saying there was an issue and it would be resolved in 2 days I also called the bank to report it they filed a claim which said it would take 10 days I went to the branch the very next morning and spoke to the main banker and said they would expedite the issue and should get a resolution within 24 hrs today is day 4 because of this I have returned payments with credit cards and car payment and when I call they are no help with the exception of the 2 representative at the bank that is not in their control but try to help. Now I have fees that my cc company will charge for return fees and also will probably have a late payment on my credit report because Wells Fargo is taking their time. I on the receipt it said they will fix it within 2 business days and now they are saying 10 days! All atm have tons of cameras they can pull footage to see cash that went in and the few bills that was returned. On the receipt it just says a deposit of {$.00}

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 2023-02-02 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX my American Express credit card shows a transaction for {$630.00} described as " debit adjustment ''. The CC company is unable to tell me exactly what this is, who the vendor is and I made no such purchase for this amount. I contacted the CC company 3 times -- XXXX XXXX XXXX XXXX. They keep telling me they are looking into it but they don't know how this transaction originated. They have refused to reverse the " adjustment '' even though they don't know what it is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
During XX/XX/2022 I advised my mortgage company that I was unable to make payments since I was terminated  from my employer and was advised I could have deferred payments for up to 12 months and was good to go. By XXXX Freedom Mortgage company purchased my mortgage from the previous provider and began to send me foreclosure statements. By XXXX the company had sent over a specialist to do an in-home foreclosure notice and the individual left my front door taped with a sign to deliver information to me. I was charged a foreclosure fee and inspection fee for this. I was then sent a foreclosure process letter. I reached out to the new mortgage company and was advised that they would be able to place me on hold only for them to remove the hold and charge another foreclosure fee once the Sc mortgage assistance program reached out to provide support in this matter. I have attempted to reach out to them several times and have been given the runaround. I believe that they are stealing government assistance and placing it on their books as expenses. As of today I have reached out to Freedom Mortgage and requested that the fees be returned and the payments are applied to my mortgage. I also have requested to speak with the CEO and have not gotten a response and it has been over 30 days. I reaching out in response to the RESPA act to inform you of possible fraud by said Mortgage company and to have assistance in having these fees overturned and placed on my mortgage.

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 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: 3D Financial, LP
State: TN

Complaint narrative:
They got the vehicle and sold at auction and still trying to make me pay more then I got on the loan, 3d financial is a joke

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
My bank accounts where compromised I reported it in a timely manner and even though my accounts are FDIC insured they are still trying to hold me liable for these charges navy Federal credit union is the bank I bank with they have been investigating this issue since last year and I still have not gotten a response they have took my whole paycheck in XXXX to pay on these compromised accounts XXXX and some odd dollars Im asking that you investigate this company and dispute this charge

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
This complaint is related to complaint # XXXX providing additional info. 
I ended up closing related CD account because of not paying correct interest of which they have not resolved yet. 

I was charged {$920.00} plus not pd correct interest on acc This is clearly a bank error that they do not know how to solve

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 2023-02-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XX/XX/XXXX my bank notified me the Sams Club MasterCard withdrew {$3100.00} from my checking account. I never authorized the payment withdrawal for that amount. My bank rejected the withdrawal because it was not authorized by me. Again this happened for {$2800.00} in XXXX XXXX  Once again I called my bank I didnt authorize this payment and they refused to honor the withdrawal. As soon as my bank denied the withdrawal I called Synchrony Bank ( cc issuer ) and explained I never made the switch to auto pay the entire balance. I had at least 5 store credit cards issued by Synchrony Bank. When I received notification that all 5 of my Synchrony retail CC accounts had been closed because my bank wouldnt honor the large unauthorized withdrawals. I called customer service and asked what was going on the agent told me that it was because I didnt have enough funds to cover the withdrawal requests. ( FALSE ). I have documented evidence no NSF fees were charged to my account. Then the agent accused me of check kiting, that was a major insult since I had spent 25 years in banking. All 5 accounts Synchrony issued had no late fees, missed payments in 15 years. Several accounts had a XXXX balance. My credit score has been hit hard by all this false information reported to the 3 credit repositories. I looked up the XXXX report on Synchrony Bank and found XXXX XXXX XXXX XXXX similar complaints. Like mine, many complaints had issues with Synchrony Bank online software when it comes to posting payment errors. Accounts affected include : Sams Club MC Lowes CC Home CC 2 others

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXXredit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: S&S Physician Services, Inc.
State: TX

Complaint narrative:
This is my first time filing a complaint for both collection accounts on my reports with Harvest Associates with account numbers XXXX and XXXX. Harvest Associates is continuing to report an account that they have failed to provide validation for. On XX/XX/2022, I sent a request for validation including a full account ledger, proof that they own the debt and everything in their possession pertaining to the account. They never responded and it has been well over 30 days. I am demanding this account be deleted from my credit reports immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, XXXX and Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TransUnion refuses to remove erroneous bankruptcy despite XXXX removing the 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 non-monetary relief
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
Someone has been applying for things using my information I also contacted the creditors I would to have these inquiries removed immediately these are the names of the inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 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 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 explanation