vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-10 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: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
During COVID lock down we took advantage of Mr Cooper Mortgage forebarance program to delay payments for 9 months. They told us no late payments would be reported to the credit company during this time. Also during this time they sold our mortgage loan to XXXX XXXX. We need tried to refinance our home but discovered Mr Cooper did report us as having late payments during the forebarence period. This has hurt our credit and prevented us from re-financing until we can get Mr Cooper to correct this mistake. We called Mr Cooper twice to advise them of the error and they told us they would. However months later and nothing has changed. The loan was on our at XXXX XXXX XXXX XXXX SC XXXX loan # ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
From XX/XX/21 through XX/XX/21, Capital One knowingly processed XXXX false and fraudulent charges by XXXX for a total of {$210.00}. There is NO contract, invoice, or authorization from the consumer to XXXX authorizing these credit card charges. NO product or service was provided to the consumer by XXXX. Capital One failed to conduct a due diligence investigation. Instead, Capital One required documents that do NOT exist. There is NO relevant contract, invoice, authorization, or cancellation policy because the consumer did NOT order anything from XXXX, or receive anything from XXXX. This is a credit card scam committed by XXXX and Capital One is complicit in this unfair, deceptive, or abusive financial practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo sent an email out today on XX/XX/2022, around XXXX pm sent a notice of reversal of temporary credits to accounts that received stimulus payment through the child tax credit. Now because I receive SSDI I automatically pay every overdraft fee as soon as the deposit hits... so now Wells Fargo is basically trying to double dip in payments and claim that they paid all the overdraft fees when I have the evidence through my statements that I paid every overdraft with my direct deposit. 

Now as I am trying to get myself finances together now you see that I am going to be hit with a huge overdraft fee that will then consume all my benefits. I have all my bank statements and am looking for assistance now for a class action case because I know I am not the only one.

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 2022-01-10 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/2020 I placed a deposit for a motorcycle rental in XXXX XXXX XXXX XXXX. Due to continued COVID travel restrictions, I have been unable to travel to XXXX XXXX since making the purchase. When I contacted American Express, I was told that I should attempt to first deal directly with the merchant. After months of negotiation, the merchant remains unwilling to provide a refund, and given the travel restrictions imposed on XXXX XXXX by the U.S. government and XXXX XXXX government I haven't been able to travel to XXXX XXXX. I will unable to ever use this motorcycle rental deposit at this point however, American Express is now unable to provide a refund because more than 60 days have elapsed since the purchase was made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to dispute a charge of {$15000.00} to my debit card linked to my checking account initiated on XX/XX/2021. I have never purchased anything form the merchant, XXXX, and have never given them my information, nor signed any contract authorizing the repeated transactions. I have no idea how they obtained my information, or managed to continually charge my card. 

Over a course of about 3 months, from XX/XX/2021 - XX/XX/2021, XXXX charged my card XXXX different occasions for varying amounts ranging from {$250.00} - {$2000.00}, along with associated international transaction fees. 

I did not approve any of these transactions and reported them to Bank of America Fraud Disputes who have ignored my disputes and claims. 

I have contacted both parties involved multiple times. I have not received any return calls or emails from the fraudulent merchant. I have cooperated with the investigation set forth by Bank of America and they continue to fail to pursue the fraudulent merchant.

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 2022-01-10 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.

Complaint narrative:
Transunion has created XXXX files under my name and they are not showing the correct information on my credit report. Despite calling them various times, sending them the documents nobody has taken an action to correct the issue. I was advised by Transunion to contact my creditors directly. However, when I contact my creditors all of them advised me that they have provided all the information to Transunion. Now, this issue is with Transunion to correct my file and merge into XXXX since all the creditors have been correctly reporting.

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 2022-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Doevenmule/XXXX  XXXX paid a renewal hazard insurance payment to a company I had cancelled with. I had secured a new insurance company. Because the old insurance had almost doubled in price, my escrow for hazard insurance almost tripled. My new insurance company has since requested payment. The payment for the renewal of the old policy has not yet been returned. I have had to put the payment back into escrow without the old payment having been returned to me. I asked that my escrow for hazard insurance be discontinued, since the error made by DovenmuleXXXX can potentially be repeated. I was told no. I do not want decisions regarding my finances being made without my knowledge or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I XXXX XXXX have been made aware of CFR violations committed by Bank of America in XXXX XXXX California. I notified the Financial advisor to the the bank about billing errors that were brought to my attention. He has made no effort to resolve my concerns.

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 2022-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A fraudulent Bank of America credit card was opened in my name on XX/XX/2021. I have contacted Bank of America to alert them of this account and to have it closed and removed 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 2022-01-10 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.

Complaint narrative:
The company XXXX XXXX keeps pulling my credit report every couple of months. I went into arrears with a loan I had from them in XXXX and I ended up in the hospital for several months. I am now trying to pay off the loan, however they have hit my credit 5 times last year without my authorization and already 2 times already this year. How am I suppose to fix my credit if they keep pulling it without my consent. They closed the file in XXXX and reopened it and they keep doing that The dates it has been pulled are : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: CA

Complaint narrative:
In XX/XX/XXXX an account was taken out in my name in XXXX Florida for the amount of {$5000.00}. At that time, I was stationed in XXXX for the XXXX XXXX. I have never lived in XXXX. I filed a dispute in XX/XX/XXXX for this account and provided my military orders and an FTC Identity Theft Report. Equifax initially agreed with my dispute, removed it from my report and added a fraud statement to my account. In XX/XX/XXXX I received a letter stating that the company that now owns the closed account disputed my dispute and " certified '' that this was my account. To this day I have not been able to get in touch with this company nor received any proof that I took out this loan. I re-disputed with Equifax in XX/XX/XXXX and they denied my dispute, even though they agreed that all XXXX addresses associated with my name were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2022-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On Sunday, XX/XX/XXXX I was contacted for an interview from a person who got my information from XXXX. On Monday XX/XX/2021 I had a job interview from a person ( XXXX XXXX ) misrepresenting themselves as Talent Acquisition for XXXX XXXX ( An actual company with a person under this role, I researched ahead of time ). After a two hour long interview process I was hired and sent documents to sign as an employee of this company. It was explained to me that I will have to purchase and keep strict records and receipts of the equipment that I will need in order to work remotely. I was sent a check for {$2900.00} ( XX/XX/2021, enclosed along with email ) from their accounting department and told that once the check cleared from my account ( which Huntington Bank cleared IMMEDIATELY ) I was to use those funds to purchase the equipment. The money is to be sent to a vendor the company has been using for years. I was instructed via email ( enclosed ) how to deposit the check electronically and how to use XXXX to pay the vendor. If Huntington Bank did had not cleared the check so quickly I may have been alerted to the fact that this may have been a fraud. Under the UCC ( Uniform Commercial Code, a bank has a duty to ensure fraudulent checks don't pass through your account. Huntington Bank which was supposed to be my first line of defense against fraud failed to do this. I reported the fraudulent transaction immediately to Huntington Bank, XXXX, the FBI, XXXX XXXX and contacted the XXXX XXXX and XXXX to let them know that their company was being used in fraudulent activity. 
As for XXXX ( which I had never used before ) If customers are asked the simple question DO YOU PERSONALLY KNOW this person, instead of, do you trust this person, I would not have used XXXX. Of course I trusted the transaction, as far as I was concerned this was the XXXX XXXX money from the check that Huntington BANK cleared immediately. I did not realize that this was my husbands money. Both Huntington Bank and XXXX were misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
THE LAST 5 MONTHS HAVE BEEN A NIGHTMARE. MY LOAN HAS BEEN TRANSFERRED SERVICING IN THE MIDDLE OF MY LOAN BEING REVIEWED AS TO WHY I AM BEING FORECLOSED ON. I HAVE NO IDEA AS TO WHY I AM BEING FORECLOSED ON. I HAVE ASKED FOR A PAYOFF DEMAND SO I MAY SEE WHAT IS IT THAT I SUPPOSEDLY OWE AND AM YET TO RECEIVE ONE. I WAS JUST INFORMED MY LOAN WENT PHH REVERSE MORTGAGE TO XXXX AND NOW XXXX  TELLS ME THE LOAN WAS TRANSFERRED TO PHH REVERSE MORTGAGE. I HAVE BEEN TRYING TO SETTLE THIS MATTER BUT BECAUSE I AM ELDERLY THESE PEOPLE ARE TAKING ADVANTAGE OF ME AND TRANSFERRING MY LOAN FROM ONE PERSON TO THE NEXT WITHOUT RESOLVING MY MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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: UT

Complaint narrative:
I used the Wells Fargo ATM ID XXXX on XX/XX/XXXX. I deposited cash by using the " tap '' feature and entering my PIN. Some of the cash was rejected, so I straightened it out and reattempted the deposit. Upon attempting a second time, the ATM prompted me to re-enter my PIN. The deposit was rejected again so I drove away. After I left, the next person at the ATM was able to withdraw {$1000.00} from my account without needing to re-verify the PIN. I disputed the transaction with Wells Fargo on the same day ( Claim # XXXX ). 
on XX/XX/XXXX, I received a letter in the mail explaining " Based on the information available to us, and because the transactions were made using your card and PIN, we found it was made by you or someone who had your permission. Please consider your claim closed. '' I called the Claims Assistance Center ( XXXX ) immediately and was told that they would send me documentation outlining how the information they used to come to this determination. I never received any further documentation. 
I went into the Wells Fargo Branch on XXXX XXXX XXXX XXXX, XXXX, UT on XX/XX/XXXX to speak with a Personal Banker about the issue. I requested that they review footage from the ATM in order to see that the withdrawal was not completed by me. On XX/XX/XXXX, the Wells Fargo resolution team contacted me inform me they are unable to review the footage, and that my claim should be considered closed at this time. They were unable to provide an explanation as to why the footage could not be reviewed. 
Over the course of my interactions with Wells Fargo, as of XX/XX/XXXX, I have not yet received the documentation outlining the basis for their determination to deny my claim.

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 2022-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: FL

Complaint narrative:
A company out of XXXX, TX has called me repetitively for several months now. I finally answered to see who they are because they never leave a message. After answering this time, I was greeted by a person on the other end telling me the call was being recorded, I refused to let them record me and asked who they were. 

I learned they are a company called AvanteUSA but they refused to give me any other information until I agreed for them to record the call. I never did agree, they hung up on me. 

After a quick XXXX search, I found out they are a collection agency. The problem with that is I do not owe anyone money. This leads me to believe that they are using old debts that were forgiven/paid so they can try to collect on them anyways or they're fabricating debts to attempt to con people out of money. Either way, this would most likely indicate someone working for XXXX or XXXX is illegally providing information to them. That said, the last debts I accrued were medical and though they never appeared on my credit, they were late due to delays and were eventually paid for by XXXX. This was well over a year ago. 

Being on XXXX and XXXX, over the years there's been attempts to scam me from collection agencies, doctors, medical facilities, and every other scam you can think of that targets disabled Americans and though annoying, I've learned that if I ignore them, they eventually go away. But that is not the case with AvanteUSA as the calls have been coming in for months now even though they've never attempted to contact me by mail. That tells me they do not have anything other than my name and phone number along with some information on an old debt that has been paid off and they are trying to collect on it which leads me to believe they are one of those 'bad actors ' that the CFPB has instructed the public to report. 

Please do not provide my address to this company because I do not know who they are or who gave them my information. As well I am not asking for the CFPB to act as a mediator because I have no reason at all for this company to be contacting me. Instead, I'm asking the CFPB to open a full investigation into this company and if you can validate any claims they have against me, then and only then will I ask for mediation provided by the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
PayPal refuses to release my funds citing a need for additional forms of ID ( Ive given them it already ), blaming the sender and suggesting that I buy an XXXX XXXX instead of using my ( up to date ) XXXX. 

This is over {$50.00} and I believe the inconvenience to be a trick to get my banking info since every rep says I could just link a bank account and the problem would be instantly fixed. 

Theyve also refused to just mail me the money, citing a need to confirm my identity even though they have my address and ID PLUS ITS JUST {$50.00}! 

Please follow up, this is a predatory practice

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I submitted a complaint to XXXX  through CFBP and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in XXXX or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in XXXX. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10 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 — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I submitted a complaint to XXXX through XXXX and the company responded that they are still working on the issue. I'm complaining that they should work quickly to remove my file and delete the erroneous information from their systems. I am complaining and noting that XXXX should know that there is no time to resolve this issue. They could be arrested, in jail or subpoenaed within 60 days if they don't act immediately. Normally within 15 days. It is illegal to place an individual 's information in chexsystems or any other credit report file, randomly for no cause. XXXX deals with bounce checks and bank fees, and direct misuse of accounts, not " suspected ''. Possible alcohol and substance abuse is nationwide known factor in wrongful suspicion, along with other factors as well. XXXX has had 4 years to work on this issue and should have declined the bank 's faulty objection in 2017. They are supposed to have knowledgeable personnel who won't make these kind of errors. I am complaining about this. I am complaining that there is no more time.

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