vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
Nationstar Mortgage, dba Mr Cooper had paid the wrong insurance company for my XXXX mortgage insurance. The correct insurance was eventually paid, but after the refund and adjustment my escrow is now short {$5000.00} and I inquired where the monies over what was paid went. In the 27 days my first inquiry I have not heard from the Mr Cooper company nor have they returned my calls/.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
I have called many times to be told that I need to send an email message on the website under my account. I can not talk in detail to a person that understands it or can answer my questions. I just keep getting messages that they do not see anything wrong with my escrows or shortage. Since Freedom bought my loan from XXXX of XXXX my i have a shortage of XXXX that they can not and will not explain. Also, they made me increase my flood insurance which i did and sent them the declaration, but they still have not removed the charge for the extra insurance they are charging me for the last year. Again, you can not talk to a live person that can reconcile the problem. They just listen and send a message to the escrow department and I never get a call back just a message saying its correct. I want to get my loan audited because my escrows have went up {$1000.00} per month on my monthly payment in 1 year. I just got another notice saying they are going up again. It makes XXXX sense. I have had about 6 mortgages and have never experienced this.

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 2024-01-03 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: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
I've had alit of money stolen from me from beginning dates XXXX though XXXX I was incarcerated from XXXX to XXXX someone left a gap then stole some while I was not paying attention to my account I never received alit of my social security payments. I've been going through this a long time these transaction id # are not correct and I've been scammed.

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 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: 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 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 an 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 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I am in the process of applying for a new loan and these errors are causing a problem with my credit scores reporting properly, so any help you can give me with updating this information as soon as possible would be greatly appreciated. We are looking to buy a house. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank Of America is saying an external bank made a claim towards a transfer of money which i made in my own account that i have 100 % ownership of and thats in my name was a fraudulent transfer which was wrongful in there favor because i provided documentation proving that its my funds and its coming from my account. Theyve held my funds and my account is froze with 75 days in so far. All i want is my money this does not make any type of sense.

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 2024-01-03 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: OH

Complaint narrative:
EXPERIAN YOU ARE THE ONLY BUREAU REPORTING THIS ACCOUNT INCORRECTLY. IF XXXX IS REPORTING AS PAID OVER THE PAST YEAR -- - SO, SHOULD YOU. WHY ARE YOU REPORTING FALSELY? I DEMAND IMMEDIATE UPDATE TO OK STATUS.

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 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX has been trying to collect on a debt that has been previously disputed as ID Fraud. I am formally submitting a complaint against XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for trying to collect on a debt that has been opened without my authorization and or permission. I have attached my signed and notarized FTC Affidavit, police report which is needed to halt all further collections and have these items deleted from my credit reports and other reporting agencies that thy use

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 2024-01-03 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: NJ

Complaint narrative:
XXXX XXXX XXXX has been trying to collect on a debt that has been previously disputed as ID Fraud. I am formally submitting a complaint against XXXX XXXX XXXX and XXXXXXXX XXXX XXXX for trying to collect on a debt that has been opened without my authorization and or permission. I have attached my signed and notarized FTC Affidavit, police report which is needed to halt all further collections and have these items deleted from my credit reports and other reporting agencies that thy use

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 2024-01-03 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: Ability Recovery Services, LLC
State: GA

Complaint narrative:
They illegally purchased my information without my consent. It violated The Privacy Act of 1974. They have been sharing my information illegally to other party without my consent. 15 USC 1681B, I have the right to privacy.

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 2024-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I did not consent, benefit or authorize from any of the following : BANK OF AMERICA XXXX {$4600.00} XXXX XXXX XXXX {$890.00} XXXX XXXX  XXXX {$2600.00} XXXX XXXX XXXX {$1300.00} XXXXXXXX XXXX XXXXXXXX {$5300.00}

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 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
XXXX XXXX ADVERTISES AS FREE BUT IS NOT FREE. 

This is a result of misleading advertisement for a FREE XXXX XXXX  account. I set up a new XXXX address and used a Company Capital One credit card because I was called by a XXXX Recruiter Rep requiring a CC to use the free service to be canceled at any time. I said to cancel after 3 days on the XXXX recorded line. My staff paid the CC for months before I realized. A Capital One Rep called a XXXX  Representative with me, and the XXXX  rep acknowledged that I did not use the XXXX  service except for that one day but would not adjust the monthly charges. I would not pay. I asked to listen my conversation on the XXXX recorded line with the Capital One Rep but the XXXX rep said I would need a subpoena. 

Truly FALSE advertisement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I needed to get a new card from Capital One because someone else tried to charge something on my card. To get the new card, they needed to authenticate it was me. So they sent a one-time code in a text. Then the representative read off terms ( I never saw a written version ) that I would agree to give the credit card company permission to have my cell phone carrier give complete access to all my cell phone data from that point on. I am an attorney, so I recognized exactly what they were asking me to give them. I doubt most people would know since it was legal jargon that was quickly rattled off. Only when I said no numerous times ( over a dozen times ) and said this would end my relationship with this company did they provide a different method to authenticate myself. From my perspective, this is a blatant attempt to violate my privacy and a clear UDAP violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
I have submitted info, a few times, for my monthly payment to be recalulated. The first time, my wife 's XXXX was needed. However, this is my student loan, not hers. She no longer has any loans. According to some documents read today, her income should not be added to mine. I was denied the SAVE Program and this asked to pay $ XXXX a month. That is a lot of money, all because they looked at my wife 's income too. I spent 2+ hours on hold today, with Mohela , just to be hung up on, SO, I went back on the Mohela website and I reapplied to the SAVE program and my payment would be $ XXXXif approved-which is way more affordable. I uploaded the pay stub for proof of income. I hope this gets resolved, as I am in the PSLF program and don't want to jeopardize this. Mohela, over all, is a poorly run loan program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: AR

Complaint narrative:
my information was sold and bought illegally because i am a victim of the equifax data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
my information was sold and bought illegally because i am a victim of the XXXX data breach.

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 2024-01-03 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: AR

Complaint narrative:
my information was sold and bought illegally because i am a victim of the XXXX data breach.

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 2024-01-03 00:00:00
Product: Credit 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: WI

Complaint narrative:
Therer was and local charges on my card over 5 days. My card was taken from my house by a person i dated without my knowledge He is now in jail for fraud and burglary facing30 years plus his sentence of XXXX yrs he just got. When i seen the charges i confronted him in XXXX. he said, oh i used the wrong card i must of taken yours by mistake i will pay you. somehow the card was also used im sure with his doing or the sketchy sites he would go on for international fees. He was a con man with a record about XXXX pages long on CCAP that i found out later. He has frauded and scammed many people. his name is XXXX XXXX from XXXX. He stole money and jewelry from me and my child. I went to the cops and go figure they said they cant help. 

I tried to contact these companies and they were either unknown or couldn't be found or the number listed is not a number, bottom line they were fraud companies that billed my card. I went to capitol one about 5 times and filed disputes and they turned me down because the time frame after the charges were made. it was only 7-8 months when i went back over all my bills and called them. they were no help to me even though the charges were very known to be fraud from the international company. He stole about XXXX from me in total. 

the charges showed up on my XX/XX/2022 statement. the charges were from XXXX. i contacted them in XXXX 2022. I pointed out that the charges were fraud from overseas and they said i need to pay and too bad. Because of frustrating circumstances that he put my finances in, and because of no help from police or the fraud department at Capitol one i was made to pay these charges or they would put me in collections and possible sue me. I ended up getting a second job busting my XXXX off to pay these bills. working XXXX hrs a week. 
I talked to another person who was scammed my him over XXXX dollars. she also had no help from cards or the police. she said to file this complaint and hopefully i can get some help to resolve these charges. thank you for help in this matter. I appreciate any help. 


XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX {$39.00} XX/XX/XXXX XX/XX/XXXX XXXX {$530.00} {$460.00} XX/XX/XXXX XX/XX/XXXX XXXX {$26.00} XX/XX/XXXX XX/XX/XXXX XXXX & XXXX XXXX {$93.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$49.00} XX/XX/XXXX XX/XX/XXXX XXXX {$1000.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX {$690.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$380.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX {$120.00} XX/XX/XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX {$31.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX {$270.00} XX/XX/XXXX XX/XX/XXXX XXXX {$660.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I simply requested statements from the loan servicer, BMO Bank. They refused to provide statements, saying that they are not required to provide statements by mail, or electronically. I can not give my information to my accountant because the loaning bank refuses to give me statements on my account.

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 2024-01-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I currently bank with Wells Fargo. On around XXXX on Wednesday XX/XX/XXXX I received a call from XXXX with a Wells Fargo caller ID, which is a legitimate Wells Fargo number. The representative informed me of supposed fraudulent charges. However, these were scammers who somehow spoofed the number. In a panic trying to stop the fraudulent charges the scammers tricked me into sharing personal information to verify my account ( last 4 of social, debit card number, debit PIN number, DL number, one-time-passwords ). The scammers used this information to continue submitting fraudulent charges. Looking back its hard to believe I fell for this but it was a legitimate Wells Fargo number. They then claimed to have cancelled my debit card and were working to refund the charges and would call me the next day on Thursday XX/XX/XXXX. I woke up the next morning and saw another fraudulent charge come through. Questioning how another charge could come through after my debit card was supposedly canceled I called Wells Fargo myself who informed me that the representative I spoke to did not work for Wells Fargo ( and then actually cancelled my debit card ). The scammers stole a total of {$7800.00} from me using the wire transfer services of XXXX XXXX XXXX. It was a very elaborate scam as they knew a lot of information that I thought only my bank could know including the exact amount of the fraudulent charges ( because they were making them ) and my checking account balance. After all of this I submitted a police report and filed a claim with Wells Fargo for the fraudulent charges. Wells Fargo temporarily credited my account while they investigated the claim. Today on XX/XX/XXXX Wells Fargo reversed the credit and denied my claim. When I called to ask for an explanation they would not provide one and simply stated my claim had been denied. I have ample evidence to prove this was fraud and Wells Fargo was unwilling to help in the slightest. Wells Fargo told me to take it up with XXXXXXXX XXXX XXXXXXXX who were also unwilling to help. This is clear cut fraud and Wells Fargo should be reimbursing me. If they refuse then it should be XXXXXXXX XXXX XXXX. The money was sent to people I have no connection with in different countries. I would greatly appreciate help in getting these funds returned, Im not sure who else to turn to.

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