vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 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: DriveTime
State: GA

Complaint narrative:
There are several inquiries on my credict report that was not submitted by me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with TransUnion, XXXX, and XXXX. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
Please make sure to include the dates on XX/XX/2023 that all letters were sent. 

Regarding erroneous information reported on my credit report, I filed disputes with XXXX, XXXX, and Experian. I informed the accounts of the infractions they were committing against my consumer report. They still haven't responded after more than 60 days. I've included copies of every letter you sent below. 

By neglecting to designate this disputed account as disputed, this company has broken FCRA 623 ( a ) b ). 

The date of the last activity on this account is reporting, so if the period has also been broken, 605 ( c ) is running. When the last date a payment was made should be reflected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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:
I am writing to follow up on my recent dispute regarding unauthorized and inaccurate inquiries on my credit report. 

To provide you with the necessary details, I am outlining the relevant information below : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Remove all fraudulent accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Remove all fraudulent accounts immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
THERE IS A XXXX  XXXX BANKRUPTCY DISCHARGE APPEARING ON MY CREDIT REPORT I HAVE CONTACTED XXXX AND XXXX AND EXPERIAN CREDIT AGENCIE SEVERAL TIME TO HAVE THIS ITEM REMOVED, THEY WONT REMOVED IT PLUS XXXX AND XXXX AND EXPERIAN CANT PROVID ME PROOF OF THE INFROAMTION ALSO WHEN THEY SEND ME A COPY OF MY REPORT THEY SAY ON THE REPORT THEY GET THEY INFORMATION FROM XXXXXXXX XXXX XXXX AND I CONTACT XXXX XXXX AND THEY SENT ME A COPY OF MY REPORT FROM THERE SYSTEM AND IT DOES NOT SHOW NO XXXX  XXXX BANKRUPTCY AT ALL THEY SENT ME A LETTER ADVISING TO HAVE THE CREDIT AGENCIES TO REMOVED THE NEGATIVE INFROMATION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
I began my " journey '' with Mr. Cooper on XX/XX/2023. 

My mortgage payment was reject multiple times, so I called them to figure out what was going on. At one point ( I believe it was a Thursday ) Mr. Cooper had three mortgage payments from me ( approximately {$7500.00} ). After multiple hours on the phone with them and my bank, two of them were returned. 

Before the hack of their system, my account stated that my XXXX mortgage payment had been made and that there was approximately {$2400.00} listed as " Unapplied Funds. '' Again, I messaged Mr. Cooper and also tried phone calls. On the last call from them I was told that the money would be refunded to me, as my bank, XXXX, confirmed the transfer went through. They even had me send a voided check to prove my bank information via email. 

Today their system is back up. Now it is indicating that I did not pay my XXXX mortgage. However, once again they returned that amount to me. In addition, there are still current funds in " Unapplied Funds. '' I want that to be applied to my mortgage, but the message and phone system are still down. 

I am extremely concerned about late fees from the payment they returned, interest, and making an upcoming payment. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: TX

Complaint narrative:
On XX/XX/2023, I was on the phone for more than one hour but I did speak to a representative. I requested a forebearance or deferment for some of my loans. I also requested a change in due dates. By the end of that call, those two requests were approved. 

I paid what I was told would be the new monthly payment on XX/XX/2023. My online account was never updated. Now, it shows that I am past due on the XXXX payment. 

I have tried on multiple occasions to reach someone by phone and I never get through. I have requested call backs and I have sat on hold for over an hour on at least 2 occasions. I have also sent messages through my account. I am not getting any response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MI

Complaint narrative:
In XXXX of XXXX  I repeatedly attempted to get XXXX to delete my information, provide me a consumer report and the list goes on. I've also asked for online access and to remove a security freeze. They will do nothing. I have attached correspondence from XXXX  up through until today of these attempts with them. I want my report, I want deletion of information due to being a victim of XXXX  XXXX and I want access to my online portal. I keep providing them my id and it goes ignored. XXXX was the contact person who failed to help me. I've even sent them court documents but still nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I have had a PayPal account for around XXXX  years. My last known balance was approx {$300.00}. In the last XXXX  days I have discovered that I am unable to access my account. The site says it locked my account because I have had too many unsuccessful login attempts, but its been XXXX days. When I try to use the forgot password option it tells me sorry something went wrong on our end. It is not possible to contact PayPal customer service without logging into the account, which I am not able to do. I do not know what recourse, apart from filing this complaint, I can take to regain access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: OneMain Finance Corporation
State: GA

Complaint narrative:
There are several inquiries on my credict report that was not submitted by me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
A few years back ( I do not recall exactly ), I received a notice from my Sam 's Club Mastercard about an offer for cell phone insurance protection ( attached is the notice I received ). I do not recall if the notice came in my bill or was sent via email. The insurance coverage included, " up to {$1000.00} in yearly protection coverage ( {$600.00} max per claim, 2 claims per year ) '' according to the notice. To receive the cell phone insurance protection, I had to pay my bill with the Sam 's Club Mastercard. I did this in order to take advantage of the insurance offer. 

Approximately a year after taking advantage of this offer, my son broke his phone. We filed a claim and was ultimately reimbursed for the repair. 

Fast forward to XXXX of this year ( XXXX ), I dropped my XXXX XXXX XXXX XXXX and shattered the screen. I had the phone repaired at a cost of {$520.00} ( receipt attached ). I called Sam 's Club Mastercard to file a claim and was told the insurance was no longer offered. 

I had not seen any notice this protection was discontinued, so I called customer service to inquire. I was initially told by a customer service representative that no notice was given to customers about the cancellation. I asked to speak with a supervisor because I felt this was ridiculous. I eventually spoke with XXXX in customer relations, who informed me that on the back of my XX/XX/XXXX statement, I was informed the insurance was cancelled. 

I ordered a copy of the XX/XX/XXXX statement ( attached ). Upon reviewing the back of the statement, and in fine print, it said this coverage was being cancelled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
A person I know has tried to apply for a credit card with Chase bank twice under my maiden name. Thankfully i have a credit freeze. However, this person is still trying to use my identity to acquire a card with chase bank. The first time i had no issue getting the situation handled and application marked as fraud .... 


The second time i was hung up on and then transferred between multiple departments and the application was never closed or marked as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I had a Wells Fargo secured credict card years ago and the account is paid off and its closed but the company saying the account was paid off after collection.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A complaint was made to Navy Federal regarding unauthorized charges applied to my Navy Federal debit card that was unauthorized by the consumer, As an investigations was requested from Navy Federal, against XXXXXXXX XXXX XXXX XXXX ( XXXX ) with verified receipt and proof of unauthorized charges, but still no resolution to date. 
Please see attached documentation, and request and investigation into ti why no resolution could be availed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
I send XXXX $ on XXXX XX/XX/2023 by western union and it was promised me that the receiver will receive the amount on the same day that is on XXXX XXXX XXXXXX/XX/2023 but it is received still and today the date is XXXX XXXX XXXXXX/XX/2023 so I talk to the customer care XXXX to 5 times they are just telling me we are working on it nothing else no other solution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
ACCOUNT # XXXX XXXX I REQUEST YOU PROVIDE ME WITH PROOF OF THIS ACCOUNT BEING LATE. IF UNABLE TO PROVIDE OR LACKING PROOF OF THIS PAYMENT BEING LATE, PLEASE UPDATE PAYMENT HISTORY TO PAID AS AGREED NEVER LATE. PLEASE PROVIDE DETTAILED DESCIPTION OF ALL PROCEDURES USED IN YOUR PROCESS TO DETERMINE COMPLETE ACCURACY OF INFORMATION REPORTED.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AR

Complaint narrative:
My loan is set up for automatic payments from my checking account. On XX/XX/XXXX, when my payment was due, Mr. Cooper shut down their systems due to a cyber attack. They have been uncommunicative other than non-answer information on their website. Their messaging system to ask questions or file complaints is no longer accepting any messages. I originally asked them if I was paying interest on a higher balance than would have been the case if my payment had been processed on time. They have not answered. Since this was not my fault, I feel that Mr. Cooper should date my payment made to XX/XX/XXXX and charge me interest on the balance that would have been accurate on that date had they processed my payment as they should have. They are now showing that my payment is scheduled for XX/XX/2023 and that no payment was made for XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/XXXX - I made a payment of {$1500.00} being payment due for XXXX and XX/XX/XXXX on the HSBC 's website. 
XX/XX/XXXX - I was contacted on phone by a customer service from the bank asking for payment to be made on the same loan account. I confirmed that I had already made payment online a few days back. The customer service representative asked that I can make over the phone since the earlier payment I made had not posted to my account. I confirmed with the representative that my earlier payment will be cancelled if I make a payment over the phone, to which the representation confirmed that the earlier payment will be canceled. I requested the earlier payment be canceled and made another payment of {$1500.00} over the phone. 
In XX/XX/XXXX, I noticed that both payments were taken from my XXXX accounts. I called back HSBC to complain and have them refund me. I was told a refund was not possible, so I agreed that the over-payment be applied to the payments due for XXXX and XX/XX/XXXX. HSBC did not do as agreed and resulted in my monthly payment due to double. Future payments became impossible as I could not make part payment. I made several calls to resolve this issue and they have tickets open as far back as XX/XX/XXXX. HSBC has not resolved the issues but rather has sent my account to debt collection, impacting my credit score negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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 account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
In accordance with the fair credit reporting account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 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: CA

Complaint narrative:
In accordance with the fair credit reporting account # XXXX has violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XX/XX/XXXX, I made large ( costly ) purchase from Home Depot ( HD ) in XXXX, CA relative to kitchen remodel, with terms of 24 months/same as cash. Initially paid-down nearly ( over ) half, with approx. {$17000.00} balance. Immediately began ( XX/XX/XXXX ) began making $ XXXX monthly payments in addition to the monthly minimum payments HD concurrently withdrew from my banking institution, XXXX XXXX XXXX XXXX ( XXXX ). As of XX/XX/XXXX began making {$500.00} per month additional payments, and began making {$700.00} ( in addition to monthly min ) payments to the account via direct deposit from XXXX. 

In late XXXX or XXXX, I began receiving what I initially thought were rebate checks for the multitude of appliances, new cabinetry, countertops and more ; each check had a must be deposited by date, or ( presumably ) otherwise loose amount. In late XXXX I finally got around to addressing a pile of paperwork, and noticed my HD account balance was WAY too high, and not reflecting my extra payments which were wholly intended to have a XXXX balance by or before the 2 years/same as cash ; it dawned on me that the checks I was receiving were the exact amounts of the previous months deposit. I promptly contacted HD and thusly began a hellscape of referrals, requests for proof, denials of provided evidence, even as to this day I continue having my direct deposits to the CORRECT account NOT applied to the account, but instead returned, seemingly as though a Mafia grasp to have me stuck with the large balance with massively elevated interest. After multiple months of countless phone calls and mailed documents I was recently informed that XXXX coordinates HDs billing. I attempted reaching CitiBank and was repeatedly referred back to HD, who then referred me back to Citibank. Up to yesterday, I spent nearly XXXX hours on hold, transfers, then disconnections attempting to get some credible resource to help with this. I have repeatedly provided verification of transactions from my bank to HD, and repeatedly been told by HD I didnt provide verification of my statements.

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