vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-31 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have items on my credit report I have disputed multiple times and a lot are older then three months I have not been notified from the bureaus or even given any details on how this item was verified hopefully this matter can be looked at immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
After an initial truth in lending disclosure, I have never received a periodic statement from this company. I enrolled in auto pay, but never received regular communications about my account balance and how my payment was being applied, what the interest charges were, or how long it would take to pay off my balance at my current autopay level. 
On XX/XX/22 I checked the website to learn my payoff balance. The information was unclear and confusing. It showed a balance owed and also a credit of more than the balance owed. There were no online statements where I could see how my payments were applied and their impact on my balance, only a record of the payments and interest charges. I had to wait until the company was open to get an explanation. They told me that the credit on my account had already been applied to the balance, which was really confusing. I am still not sure that is true. I was able to confirm verbally that if I pay off the balance owed that my account will be XXXX and I will not have over payed but this information is not clear from the online account information.

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 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
MrCooper, an unknown to XXXX XXXX company, bought our mortgage on XX/XX/XXXX. They sat on our account for several weeks and did not send a payment invoice. We received an invoice on XX/XX/XXXX, that showed it was due on XX/XX/XXXX and past due after XX/XX/XXXX, meaning our payment was already late before they sent out the invoice. 

Tomorrow, XX/XX/XXXX, our next payment will be due and we still do not have an invoice for this payment, even though this company bought our mortgage 4 weeks ago. 

I have asked " Mr Cooper '' to defer payments, give us a payment plan or some other solution besides requiring us to send 2 mortgage payments 5 days apart. I have been told there is absolutely nothing they can do for us, and fees will be assessed for late payments if we don't make these 2 payments days apart.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX I filed a fraud claim through Wells Fargo Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the Wells Fargo Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} XXXX transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. Wells Fargo Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX with XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for XXXX to get back to them. {$3500.00} ( in two transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the XXXX money and a case number which has been dropped by Wells Fargo Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from Wells Fargo ( XXXX Ext XXXX, Claim # XXXX ) officially advising that Wells Fargo Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

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 2022-01-31 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
SANTANDER CONSUMER USA IS IN VIOLATION OF XXXX XXXX XXXX XXXX XXXX XXXX. I sent SANTANDER CONSUMER USA a letter on XX/XX/2021 opting out and revoking consent from SANTANDER CONSUMER USA to disclose my nonpublic personal information which is my personal identifiable financial information to any nonaffiliated third parties. SANTANDER CONSUMER USA continues to disclose my personal identifiable financial information to nonaffiliated consumer reporting agencies. Once SANTANDER CONSUMER USA receives this complaint I expect it's officers to comply with my request. Examples of personal identifiable financial information SANTANDER CONSUMER USA can no longer disclose to any nonaffiliated third party can be found in 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom it may concern, I am being hit with a hard pull inquiry from XXXX  XXXX on XX/XX/XXXX. This never happened and I never gave anyone authorization. For months now I have been trying to get this thing resolved. I was told write XXXX  XXXX letters which i did and write each credit reporting agency letters which I did also. It seems to me from talking to them on XX/XX/XXXX they are mixing up my XXXX  XXXX card that I have opened with whomever tried to open up a new card and gave them inaccurate information. This investigation has been way over 45 days multiple times now. I have sent letters and called XXXX  XXXX, XXXX, equaifax, and XXXX. It just keeps going around in a circle. : (

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank sent me a pre-activated card that was stolen before it reached me. This stolen card was used to make a fraudulent purchase in another state, I live in NJ and the purchase was made in XXXX, Ohio. I was alerted by the bank at XXXX that a suspiscious charge was made on this card, to which I replied that it was not me. The bank then canceled the card. Unfortunately for me there was a charge prior to the one that prompted the fraud notice. I have repeatedly tried to get Chase to recognize this as a fraudulent charge, without any luck as of yet. I have filed a police report with my local police department ( XXXX XXXX Police Department ) in XXXX XXXX, NJ ( case number XXXX ). I have spent hours on the phone with XXXX at the direction of Chase Bank, only to be told that I need to follow up with the police. Chase Bank continues to put the onus of this investigation on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Falls Collection Service Inc.
State: CA

Complaint narrative:
{$470.00} XXXX XXXX XXXX XXXX Fall 's Collection Services Address : XXXX XXXX XXXX XXXX XXXX, WI XXXX Phone : ( XXXX ) XXXX ( Does not exist ; TRY TO CALL THEM ) Auto insurance now, not collections service. This was paid 3 years ago and they didnt correct it, now out of business. 

This should be removed, as there is no way to call, write, email Fall 's Collection Services and get them to correct the record that this was paid 3 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Mr Cooper had our loan and was reviewing for a streamline modification, we were current prior to covid. They had 30 days to review and said the decision would be made by end of XXXX. We received letter loan was being transfer in XX/XX/XXXX to another mortgage company. 
A call was made to Mr Cooper they said decision would be made prior to transfer because the 30 days would be up. 
The loan was transferred to XXXX servicing. 
They said its no longer XXXX but another investor no such thing as streamline. 
Mr Cooper did not complete our modification and now XXXX XXXX trying to foreclose now.. they did not pickup where mr Cooper left off, this should not be on the customer

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
PHH Mortgage Services provides and files with the XXXX XXXX XXXX XXXX XXXX false and misleading information. I email a complaint to PHH mortgage services on XX/XX/2022 and never receive a reply. I email a different complaint to PHH mortgage services on XX/XX/2022, looking forward to hear from them. I have provided proper documentation to support my complaint. I am attaching both of my complaints previously mailed to PHH mortgage services to CFPB. 

PHH has not cancel the sale date of my home that is set for XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Last year I reported to Citibank that one of cards was missing so they closed my account and said a card was on the way but it never arrived. I called costumer service and a person said I should be receiving something in the mail and to look out for it. 

I never received anything in the mail and come the new year I decided to revisit issue of the missing credit card. 

This time the customer service agent said my account was closed and that I would not be receiving a replacement and would be set close upon expiration. When I asked why it was closed they couldnt tell me the reason. I dont have late payments, I havent used my card simply because I dont have a card to use. The most recent attempt to reach out was last week when I wrote a tweet to CFPB and mentioned Citi which prompted someone from @ XXXX to reach out and she was super helpful in trying to find a reason why Im in this situation and she submitted a request to reopen the account. Come today, I receive this response XXXX XXXX, thank you for your patience. I received a notification that the reopen request was denied. The reason for the decision was related to your card yearly review ( card set to expire ). Based on the results of the review, Citi made the decision to not reopen the account. I still find myself confused as to why they have decided to close one of my oldest accounts, with no history of misuse or ever being late with a payment. I simply havent used it in a while because I did not have my physical card.

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 2022-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 at XXXX I contacted transUnion to assist with login. The rep assisted with getting into the account then she was going to assist with a password reset but she hungup. I was able to reset the password on my own however once logged in the system keep saying tech difficulties. however another member of the household was able to login to their TransUnion. So I called back at XXXX for additional assistance with the login, the rep said she was going to delete that account and for me to sign-up again she walked me through it and we tried different devices different browser and still the same error mess We are temporarily unable to complete your request. Looks like we are experiencing a problem on our end. This seems to have only affect my account as other household memebers are able to login to their accounts. TransUnion said I would need to pay {$24.00} a month to get my credit report. I was also told they don't include the score with report that cost extra anywhere from {$1.00} to XXXX What kind of scam are they pulling.

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 2022-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: ID

Complaint narrative:
On XX/XX/XXXX I filed a fraud claim through XXXX XXXX Bank in person letting them know that someone used their XXXX # to contact me and trick me into believing that he was a representative from the XXXX XXXX Bank. First, I was contacted via text about a fraud attempt, asking if I'd attempted a {$3500.00} Zelle transfer. After responding " No '' I received a call from someone who spoofed the XXXX # on the back of my debit card. 

Before I knew it {$3500.00} was taken from my bank account and sent to an unknown XXXX Bank account. XXXX XXXX Bank advised that the investigation could take up to XXXX business days. 

On XXXX XXXX I filed a police report ( XXXX XXXX XXXX XXXX Police XXXX Report # XXXX ). As of XX/XX/XXXX, it had been XXXX business days and the bank informed me that their fraud investigation team came up with nothing and closed my case. They were waiting for Zelle to get back to them. {$3500.00} ( in XXXX transactions ) was taken from my savings account on XX/XX/XXXX. I have texts confirming the transfer of the Zelle money and a case number which has been dropped by XXXX XXXX Bank. 

On XX/XX/XXXX, the bank informed me that they are unable to recover the money. 

On XX/XX/XXXX, I received a call from Agent XXXX from XXXX XXXX ( XXXX Ext XXXX, Claim # XXXX ) officially advising that XXXX XXXX Bank is unable to help me recover my {$3500.00}. 
I am XXXX and having XXXX XXXX due to this horrific situation, struggling to pay my bills and have no one else to turn to. 

Your help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every statement date and balance whether reported or not. I have sent letters every month From XX/XX/XXXX to XX/XX/XXXX trying to get this account corrected. 

XXXX Bank Account XXXX : XXXX I also respectfully request to be provided proof of this alleged item, specifically proof that these payments were in fact late. By the provisions of the consumer protection laws, I demand that if unable to do so or lacking proof of these payments being late, please update my payment history to PAANL status ( Paid as Agreed, Never Late ) and supply a corrected credit report to my creditors who have requested a copy of my credit report in the last 6 months. Im also requesting the description of the procedure used to determine the accuracy and incompleteness of the information, I have read that this must be provided within 15 days of the completion of your reinvestigation. I also read that under federal law, you have 30 days to complete your investigation. 

It is my understanding that you must validate these items with the reporting creditor for accuracy. Please remove any information that the creditor can not verify. I know this reject the complete within 30 days of receipt of this letter, or you must remove the incorrect information please send an updated copy of my credit report to the above address. Thank you for your prompt attention, time and help in this matter.

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 2022-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DE

Complaint narrative:
On XXXX XXXXXX/XX/XXXX, I received a voicemail from a local telephone number at XXXX XXXX. The voicemail told me that someone was filing a civil suit against me : Hey this is an urgent message intended to contact you in reference to a complaint. If you have any questions or concerns regarding a pending access that are being filed against you you will need to contact the issuing firm at XXXX again that number is XXXX to discuss, this requires your immediate attention and it is imperative that we speak to you or they will be forced to make a decision without your consent again this is an urgent message. When I called the number me time, a man answering said it was a law office, and I hung up. The second time, a woman answered and said it was someplace like XXXX XXXX. When I gave her the reference number in the voicemail, she put me on hold for 3 minutes and then told me that HSBC was filing a civil suit against me for {$760.00} that was owed between XXXX and the last contact they made was in XXXX She asked what was going on in my life then that I chose to not repay my debt. Then she said that HSBC would be taking legal action and would also collect interest fees dating all the way back to when the debt was made, so 17 years of fees plus court filing fees.

Company response to consumer: Closed with explanation