vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
The funds that Rushmore Services took out of my account was not authorized and an unplanned expense. They placed my mortgage on Foreclosure in XXXX ; They transferred my mortgage to XXXX XXXX on XX/XX/2024. I have proof that the funds were debited from my account in the amount of {$870.00} on XX/XX/2024. I visited my bank on Thursday XX/XX/2024 and they stated I had to contact Rushmore Servicing since I had previous relationship to the Financial Servicing. I contacted Rushmore Customer Service on XX/XX/2024 and Loss Mitigation on XX/XX/2024 ( XXXX ). They did not have information on the amount debited and they refused to give me any information because of the status of my account. I contacted XXXX XXXX on XX/XX/2024, they have no record of this payment toward my Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: SC

Complaint narrative:
During an auto lease transfer, the dealership failed to send the payment to the finance company. As a result, the lender contacted me regarding the issue, and I immediately notified the dealership. Unfortunately, the dealership did not respond promptly, leading to XXXX XXXX placing an incorrect late notice on my credit report. I have repeatedly expressed my concern to the finance company and was assured that they would update the information immediately. However, despite their promises, the error has not been corrected. As of XX/XX/XXXX, I checked my credit report, and the mistake still remains. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX and closed two weeks thereafter

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 2024-08-14 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: KY

Complaint narrative:
I had a secured credit card that I put a deposit down for in the amount of {$200.00}. I paid my balance in full almost every month. I started getting behind on my bills and did not want to get to far behind so I closed the account in XX/XX/year>. The company called wanting payment and I asked them to send me a final itemized bill. I never got that. It went to a collection agency and when they called I asked for the original signed contract and the final itemized bill. The only information they provided was copies of my monthly bills from when I was in good standing with them. I called them to tell them that isn't what I wanted and that my {$200.00} deposit has not been applied to the balance. The balance is {$260.00}. Once my deposit is applied the balance will only be {$65.00}. A couple weeks later I received a notice from a new collection agency. So, I went through all this again still not getting the information I requested and my deposit still has not been applied to the balance. Once again I now have a new collection agency holding this debt. I have disputed this on my credit report with all 3 agencies and I can not get any resolution. As soon as my deposit is applied I will pay it and that's that. I don't know what else to do to get them to apply the money I originally sent them in order to get the card. I don't know what else to do.

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 2024-08-14 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: FL

Complaint narrative:
I called Experian to get my credit report on XXXX XXXX and after receiving it, I noticed there were some hard inquiries that do not have permissible purpose according to 15 USC 1681b. I also attached my credit report and letter showing that experian is in violation of the FCRA

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2024-08-14 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: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XXXX  XX/XX/year> my husband 's XXXX walked into Citizens Bank and XXXX XXXX at the XXXX XXXX XXXX, XXXX OH XXXX branch allowed him access to our joint account without my knowledge, permission, or signature. This is an invasion of my privacy. 

On XX/XX/XXXX I removed my name from the account. They took my signature, refused to see my ID, and did not notarize the paper. Any female could have signed that paper. 

This is an outright violation of my privacy and personal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: NV

Complaint narrative:
I was a victim of identity theft. These are inquiries on my Experian credit report that is fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-14 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: NY

Complaint narrative:
These inquiries were not authorized by me and I did not communicate with this under the specified date

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I applied for a car loan through JP Morgan Chase Auto on or around XX/XX/year>, and the Bank approved my loan. All of the correspondence said that I simply needed to take my loan application/approval into dealer in their network and the loan would be processed. I ended up going through one of their preferred dealers, and the dealership repeatedly said that they had issues getting my loan approved through Chase. Chase apparently had my first and last name in incorrect fields, which was causing issues locating the application. The issue had to be escalated for review. I spoke with an associated at Chase Auto, and they reported that my application was ready to go, and they also confirmed that they didn't need to pull my credit again as a result of this issue. I return to the dealership and they are still unable to process my application through Chase Auto. I then review my credit report and see that Chase Auto has ran inquiries on my account for the initial loan approval and then again on XX/XX/year>. I did not authorize this second inquiry. This whole process has been a nightmare, despite Chase Auto 's claim that I was approved for a loan that would easily be accepted by any dealer within their network. Now I have had multiple credit inquiries on my account just to get a simple car loan. I ended up using other financing to get my car because my loan application with Chase was so problematic.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I paid the balance on the payment due date as applicable for no additional interest to be charged. However, Paypal Mastercard still billed me for {$4.00} interest which I've paid. The attached statement reflects no additional interest if paid by the deadline ( hi-lited, page 3 ). This has been their process all along but I just realized it today.

Additionally, it is impossible to dispute a payment thru their website/my account online other than a payment made to 'a seller. ' Thank you for your time & consideration.

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 monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I was looking at my credit report an i noticed that there was inaccurate and or incomplete information reported on my credit report. I requested an investigation to verify the information was complete and accurate but they have yet to change the incorrect information and its was said to be verified but the incorrect information is still on my account. There has been multiple attempts to get this incorrect information corrected. one of multiple issues is this account is not reported according to the IRS when an account is charged off its considered income, and according to the FCRA income can not be reported on a credit report. i want a 1099-c ( cancellation of debt ) form from XXXX XXXX XXXX XXXX I have yet to have this issue or any other documentation requested sent to me id like this incorrect information removed from my credit profile. XXXX XXXX XXXX received a corresponding tax deduction for the uncollected amount associated with this charge off and had the balance of {$4500.00} as income on my taxes! This account can no longer be reported on my credit report. Not only does this violate my rights per FCRA it is also tax fraud. Delete this account from my file immediately for inaccuracy

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 2024-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am sending my identity theft report for fraudulent accounts still being reported on my credit. I have already notified Transunion that these are from fraud.

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 2024-08-14 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: FL

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 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had a positive balance on Friday and they used transactions from Thursday starting from highest to lowest to charge me 5 late fees. They had delayed transactions that resulted in me over drafting 5 XXXX dollar fees. I was then XXXX and I deposited XXXX dollars on Monday and they did not rebate fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I was a victiam of Identity Theft. A account was open XX/XX/XXXX, XXXX the account was restricted on XX/XX/2023 for suspicion of fraud. Instead of closing the account right then Capital One allowed the account to stay on Restriction and accumulate months of monthly fees, Late payments, and late fees before they finally closed the account on XXXX XXXX XXXX. Now the account has ruined my credit and has been charged-off as bad debt showing on my credit report as a balance of {$800.00}. which is inaccurate.. as told to Fair credit act 15 USC 1681s-2 .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
A purchase of {$510.00} was attempted XX/XX/2024 on a XXXX authorized user card distributed by Capital One that had been locked for several months. On XX/XX/XXXX I received XXXX emails and texts that a XXXX charge was declined due to the card being locked from any purchases. The charge then was made XX/XX/XXXX which stated pending then posted XX/XX/XXXX. I called Capital One asked how the charge went through. I was told on the phone by Capital One that a glitch could have allowed it. I was told by another person that someone unlocked the card long enough to put the purchase through. I was told by another that locking a card is not fail safe though there is nothing in terms of service or documentation that states this. I opened a fraud claim with Capital One which came back denied though I believe the charge should never have been allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
Paypal transaction ID XXXX - sent {$100.00} to XXXX XXXX ( XXXX @ XXXX  ) to place a hold until the weekend on bunk beds listed on marketplace. Person is no longer responding and has taken the item off marketplace. Name is suspicious and appears they have made a fake XXXX profile XXXX XXXX I paid {$100.00} and have received nothing for it. I should have known better. I have definitely learned my lesson and most likely will not use marketplace ever again! I would like to stop this person/group for others and hopefully get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
This bank has been taking additional funds from my checking account every month for 2 years. I didn't realize it and when I did it was stated it was due to not have the lien title and it was my responsibility to get it. It ended up they had it but entered a wrong letter or number. So every month they took my automatic payment an additional payment due to them raising the apr and an additional payment for assessment, I m not sure if that's a late fee being out wasn't being taken with the original monthly payment and then charging me for it every month for two years. Now we established it's their fault and they have decided on their own they are going to take my money and prepay my principal. THEY ARE STEALING MY MONEY. 

Essentially, they are going into my account taking my money and prepaying my loan that is the exact equivalent of what they are doing. I am 100 % sure that would be considered stealing. Since when is a bank allowed to go into your account and determine what to do with your funds in advance. 
This is making sure everything on my side has been paid and having extra funds and deciding they are going to take it and prepay my loans. 
Fraud is the word they word that comes to mind, THEFT, Bad business... I have given them three weeks to solve this issue and I am now here. They refuse to return my money to my account. 
There is no negative star but that's what I would rate this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist keeps charging me overdraft fees even though I never opted into the overdraft program. They will cover {$6.00} worth of stuff and charge me {$35.00} per charge.

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 2024-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
Hello, I experienced a scam through PayPal that is still not being properly resolved with my financial institution XXXX XXXX  XXXX XXXX ) where I filed a dispute or PayPal. 

To explain the situation, on XX/XX/year>, I was purchasing a physical item for XXXX XXXX XXXX XXXX XXXX from a XXXX seller who showed proof of having the item and agreed to ship it. I initiated an international money transfer to them but never received the item ( Transaction ID : XXXX ). They eventually decided to ghost me when I tried to contact them, indirectly indicating that they were not planning to ship it at all, as agreed upon initially. I transferred money with XXXX XXXX XXXX XXXXXXXX XXXX card and first tried to resolve it through my financial institution, but they would eventually deny the claim. At the time, I didnt know until around late XXXX when I continued contacting them to get some response from the ongoing issue that PayPal apparently told them that they didnt have any rights to working with them with the chargeback case, so they denied me any refund because of that. As a result, PayPal opened a case for me in XX/XX/year> that would eventually escalate further ( case # : XXXX XXXX XXXX to the lack of any recourse from the seller or the bank. So, my constant circle of calls and getting the same, not so helpful responses from both companies began and still persists today. 

On XX/XX/year>, PayPal closed my claim, siding with me and indicating on their resolution center website that I would receive a refund. However, the refund has never been processed by XXXX XXXX XXXXXXXX ( who PayPal says is responsible for that ) or PayPal ( who XXXX XXXX XXXXXXXX says should be responsible ). 

It is unacceptable how my case is supported but no action is being taken to fully conclude my dispute with the refund I rightfully deserve after someone who should have been trusted broke my trust for greed. 

I was wrongfully denied without even being given a chance to provide proof and Ive reached the limit to where I can wait any longer. I plan to file a complaint against both XXXX  XXXX XXXX and PayPal with my Office of the Attorney General in my state, the FTC and the XXXX  in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ava Finance, Inc
State: NY

Complaint narrative:
Ava finance was paid and closed XX/XX/year> full amount paid {$20.00}. Theyre continuously reporting on my credit report twice that the amount of {$20.00} wasnt paid and its damaging my credit. 

Theyre also trying to force me to pay through an ACH bank account to gain further access into my information! Trying to speak with a live representative is difficult and when you email or leave a voicemail message you receive faulty communication responses again trying to gain access to you ACH bank information account.

Company response to consumer: Closed with explanation