vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 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: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX Overdraft fees on XXXX/XXXX/2022. Request to refund them was declined by a B of A rep on the phone. Account was over drafted for only 1 day due to credit card payments.

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 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

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 2022-07-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I noticed a few accounts on my report I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
I was scammed on a jewelry investment I wiredXXXX XXXX bank my bank seemed not to get my money or report XXXX bank for laundering money

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My mortgage loan is with Truist. Everytime I attempt to make a payment there is always an issue with the payment process. The website never works ( at least for the past 7 months ) for payments from another bank. When I try to add a non truist account I get errors. When I try to use the app to make a payment the link to add a non truist account doesn't work. It's almost as if they're trying to force their mortgage customers that don't have a checking or savings account with to open an account with Truist. The reason I say that is because the link to open new accounts works just fine. I resorted to paying over the phone through they're automated system and now that doesn't even work.

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 2022-07-10 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to 69 % and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account 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 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.

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 2022-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I pay my bill every month on time and Ive seen a balance of {$410.00} and my utilization went up to XXXX XXXX and my balance increase {$2.00} which I never had a late payment on this card or anything to drop my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-10 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: EQUIFAX, INC.
State: PR

Complaint narrative:
Equifax still reporting an account that is fraudulently open and I reported and send the report to Equifax the account name is XXXX XXXX # XXXX. All the disputes I make they don't send me the evidence of they making an independent investigation and they don't accept my report, violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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.

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 2022-07-10 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: EQUIFAX, INC.

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account 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 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
I financed the purchase of my home in XX/XX/2022 with a mortgage loan from XXXXXXXX XXXX, which sold the loan to XXXX. Starting with the XX/XX/2022, payment, Mr. Cooper ( aka Nationstar ) acquired the servicing rights. 

I paid the monthly payment of {$3700.00} via XXXX on XX/XX/XXXX and on XX/XX/XXXX, and Mr. Cooper acknowledges receiving both payments. However, when I checked my credit reports with the XXXX national credit bureaus, the payments have not yet been reported. I called Mr. Cooper yesterday and was advised the XXXX payment would be reported at the end of XXXX and the XXXX payment at the end of XXXX. 

The consumer loan XXXX XXXX with the national credit bureaus requires prompt reporting of payments for the system to work. Creditors review credit reports during underwriting, and loan payments reported 2 months after the payment were made frustrate the system. If I'm in default, a lender reviewing my loan needs to see that information promptly -- not XXXX weeks later. And if I'm making timely payments, the creditor needs that information in support of its credit decision. 

The reporting of timely loan payments will boost my credit score, especially with a large mortgage loan, to which the credit scoring models assign a high weight. My credit score took a hit because of the credit inquiries when I applied for the mortgage and because a large loan amount was reported for the first payment in XXXX with the initial servicer ( XXXX XXXX XXXX ). 

It is baffling and frustrating that Mr , Cooper waits around XXXX weeks to report my loan payments. Section 623 of the Fair Credit Reporting Act requires furnishers to report accurate information to the consumer reporting agencies. It is potentially a violation if Mr. Cooper waits XXXX weeks to report my loan payments because stale information is arguably inaccurate in the context of a consumer loan XXXX XXXX that needs recent payment information. My current loan balance is {$530000.00}, but the credit bureaus list it as {$530000.00}. This is inaccurate because it does not reflect the XXXX and XXXX payments. See FCRA section 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: CITIBANK, N.A.
State: PA

Complaint narrative:
I received a statement with my name from a Citi XXXX XXXX  card which I did not apply for and the amount owed is {$4300.00} purchases made to 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 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: PA

Complaint narrative:
I have been sending dispute letters since XXXX this year, and they never send me a legal verification. Last time I checked, companies are supposed to inform me before putting negative information on my credit report. Besides the fact that I have no idea who the company below is, this company has just put stuff on my credit report without even providing valid proof

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
The United Services Automobile Association ( USAA ) charged me exorbitant auto insurance rates for three vehicles, increased the already exorbitant insurance rates unbeknownst to me in the middle of my policy days after the original quote and implementation of the policy, demanded that I pay the newly increased amounts in my monthly premium payments, accepted my XX/XX/XXXX premium payment, informed me that they would not refund the payment and that my auto insurance policy would be cancelled if I did not pay the remaining excessive charges that do not include a regular monthly premium payment. Policy effective date : XX/XX/XXXX thru XX/XX/XXXX. The exorbitant premium was charged to a XXXX XXXX XXXX shown on my declaration page in the amount of {$1300.00}, and a hidden additional amount of {$2600.00}, an {$830.00} increase, was stated in non-conspicuous place on a separate page. I submitted monthly premium payments to USAA each and every month of the policy as follows : {$370.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$420.00} XX/XX/XXXX ; {$210.00} for ( only two cars after removing the XXXX  from policy ) XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Netspend Corporation
State: NC

Complaint narrative:
I deposit XXXX dollars and XXXX dollars back in XXXX into my Paypal account the transactions said denied the check went back but my finance company said thay paid them XXXX XXXX and XXXX XXXX XXXX XXXX XXXX NC after the check came back my funds was never available I have prepaid debit account and regular account with palpay it don't show in neither one after I my the online deposit I got a email from them saying I order a XXXX XXXX XXXXXXXX for {$300.00} and it was ship to Ohio I think I been scam my name is XXXX XXXX XXXX and number is XXXX live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2022-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, 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 an account without my written instructions

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 2022-07-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions

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 2022-07-10 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: FL

Complaint narrative:
On XXXX I purchased a XXXX  headset from a fraudulent mail order company named XXXX XXXX, which charged my Capital One credit card XXXX XXXXXXXX in the amount of {$76.00}. This merchant was a scammer and never sent me the item. I received a completely different item than what I purchased. I then filed a dispute with my credit card company Capital One and provided all requested documentation. It was dispute case # XXXX. The documentation included an email exchange where the scammer merchant admitted that they did not send me the item that I ordered. The email also showed that the merchant refused to refund the charge and that the merchant refused to provide a return shipping label. After documenting all of this to Capital One, I was still charged for this fraudulent charge from the scammer merchant. The initial dispute was within the 60 day dispute time frame. I then called the Capital One dispute department again and provided all the required documentation to them again. They denied my dispute again. I filed a valid dispute which proved that the merchant DID NOT send me the merchandise that I paid for. Yet Capital One acted in an unfair and unethical manner and still charged me. I have been a loyal Capital One customer for many years. This is an unethical and unfair business practice in which Capital One has acted. I would not recommend using Capital One for credit card services because they are unethical. Use XXXXXXXX or XXXX. Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
With the new PSLF waiver I have sent in ALL my certifications, they are not updating my total count, the deadline is XX/XX/XXXX I can't keep sending the same info if they are not going to do anything. they has lost the contract with Dept of Education, new servicer is coming into play. In XXXX  they also told me consolidate my loans in order for them to be more affordable not knowing it would restart me paying for my forgiveness. I was about 2 yrs away from loan forgiveness. It has taken them 2 months to update me only to say I was missing information. When the form clearly says to check this box if you can't get your employer to certify. Clearly NO has a CLUE once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I had/have a qualifying COVID-19 related hardship including job loss. The CARES act required mortgage companies to offer forbearance and then a loan modification if the hardship was not resolved. For more than 6 months ( starting in XXXX of XXXX  ) after my forbearance expired I repeatedly called, messaged through their website, and emailed Loan Depot to get a resolution and to receive an offer of the loan workout options required by federal law. I spent dozens of hours on this and received little to no communication from them. Finally, after a full 6 months of trying to reach them, they offered me a streamlined COVID-19 Flex Loan Modification. I immediately told them I accepted the offer and they said that the loan modification would become permanent after the completion of three trial payments at the reduced payment amount. Accordingly, I scheduled the 3 payments with a representative who explicitly assured me that nothing else needed to be done on my part. Almost immediately after scheduling these payments with Loan Depot they apparently transferred the servicing of my loan from Loan Depot NJ to Loan Depot TX. The new servicing location had all of the details of my approval for the loan modification but Loan Depot NJ failed to transfer my authorization to draft the payments to the new servicing address. Because of this they did not draft my payments as scheduled and I was then told that I no longer qualified for the approved loan modification offer. Of course, interest rates have skyrocketed since the initial approval and this stinks of them trying to pocket tens of XXXX of dollars by reassessing the loan modification at much higher rates. At no point did I withdrawal my authorization to debit my account for the agreed upon amount. They explicitly told me I didnt need to take any other action for my loan modification to become permanent after scheduling my payments. They have now reported my account delinquent to the credit bureaus causing my XXXX credit score to plummet. I have never missed a required payment on any credit account in my entire life and they have now destroyed my credit when I gave them specific authorization to debit my account for the agreed upon payments. They need to be held accountable for this and honor the terms of the agreement that we had in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: OH

Complaint narrative:
I made a balance transfer FROM Target TO XXXX XXXX. 
I am already paying on the balance transfered from Target however, Target is pretending they never got the payment. 

The balance was transfered and completed on XX/XX/XXXX. Target TOOK payment in the amout of {$3400.00}, which was my balance at the time. I called them before the balance transfer took place and after. They " can not find '' the payment and still are carrying on as if I owe them money. 

Please see the details below of the transfer. 

XX/XX/XXXX XX/XX/XXXX ELECTRONIC BALANCE TRANSFER XXXX # XXXX {$3400.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TN

Complaint narrative:
Dear CFPB, I have mailed a dispute to credit bureaus about this inaccuracies on my credit report, but I have not received any response. I really need help to address this concern for this has been causing me financial damages. Thank you. 

AMERICAN EXPRESS XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
When I went to the car dealership XXXX XXXX and XXXX XXXX they said they was only going to run my credit ones and ran my credit Numerous of times these are all the credit Inquiries XXXX XXXX XXXX XXXXXXXXXXXX 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 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 non-monetary relief