vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-06 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: Exeter Finance, LLC.
State: WY

Complaint narrative:
My loan is with Exeter finance, I just refinanced the loan with another local credit union and they overnighted a check XX/XX/XXXX and payoff was dated XX/XX/XXXX as of the XXXX of XX/XX/XXXX Exeter is claiming they havent received it but I am pretty sure they are holding to avoid refunding a portion. Also my original contract was 72 months and I did an extension for one month to bring the term to 73 when I had XXXX and couldnt work, but my credit report is showing a term of 74 months. Company will not fix this issue. As this will also negatively affect my payoff. They will be getting extra money by fraud and I wonder how many other customers they have done this to. Exeter finance should have everything audited and verified

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid off my Davids Bridal account in XXXX XXXX XXXX. It has since been closed. I called in XXXX because it was still showing in my credit report and they said it would be taken care of. It was not so I called again in XXXX and they said by the end of the month and it was not. I called again today and they just did not help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/, the XXXX account that is linked to my bank account was used to send {$60.00} to an unknown receiver without my authority or knowledge. Then, on XX/XX/, a check for {$3000.00} made out to me but signed by a stranger was deposited into my account, and on the same day {$3000.00} was transferred from my bank account to an unknown receiver via XXXX ; again, without my authority or knowledge. On XX/XX/ XXXX  I received notice from my bank that the check for {$3000.00} would not be deposited because it was fraudulent. The check was from the XXXX XXXX XXXX XXXX ( XXXX ), which is an agency in Oklahoma, far from me in Connecticut. I contacted the organization, and they said they had many checks stolen from them. I also contacted the police associated with the XXXX, but they could not help. I also was in contact with the Deputy CFO of the XXXX, who also could not help. I contacted my bank several times via phone call and in-person visits, in XXXX of XXXX  a bank representative told me that they researched the claim and there was nothing they could do because XXXX is a different service from them, and unprotected. On XX/XX/ I wrote them a letter asking to speak to the fraud examiner or claim representative to further discuss this matter. They did not respond. I was XXXX XXXX XXXX and a XXXX XXXX XXXX and {$3000.00} was taken from my college funding. I did nothing wrong and the bank has only ignored or minimized this significant issue. This is a catastrophic concern for me.

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 2023-01-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On or about ( XXXX  ) XXXX, XXXX XXXX I took out a personal from the Navy Federal Credit Union while I was XXXX XXXX  for the amount of {$2500.00} with payments of {$160.00} over 18 months maybe 24. I made my first payment on the loan XXXX XXXX, XXXX. At the request of my spouse I borrowed an additional {$2500.00} XXXX XX/XX/XXXX ( I'm not certain exactly ). I just made a payment of {$270.00} this XX/XX/XXXX as my balance was showing {$530.00} with {$590.00} due. I sat down and did due diligence arithmetic on my payments. I have paid out in excess of {$11000.00} having only borrowed a principle amount of {$5000.00}. Now we all have heard of the term 'loan sharking ' and considering how much I have paid NFCU, I do not believe this term to be unreasonable in describing my experience.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I placed an order on amazon using a XXXX XXXX XXXX. However, amazon changed my payment method to my amazon credit card without notifying me. They claimed my original payment method failed and they used my amazon card as a backup. However, I never consented to having my amazon card be used as a backup and they never notified me that my original payment method failed. I suspect they are automatically selecting the amazon card and charging it without notification so they can make extra money from the interest rate. This is not legal.

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 2023-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was recently contacted by Wells Fargo Bank with regards to an unpaid balance on a line of credit. The account had been closed for years. The last record I have of it was a series of 6 balloon payments in XXXX to satisfy the amount due before closing. Regular auto-payments were also established in XXXX. 

The premise of the conversation was that I owed roughly $ XXXX, but they would accept $ XXXX for a very limited time. Without access to the account, statements or records to justify their claim, I had to make a choice : 1 ) Make it go away for $ XXXX 2 ) Let them send me to collections I chose option # 1, not because I believed their claim, but because I believed they would send me to collections without any financial justification. 

Financial data security should be paramount, especially if you are a top 4 banking institution. The Wells Fargo rep, who was most likely decentralized and working from home, asked for payment. I was not given the option of a secure method of payment. No Wells Fargo payment portal with a verified amount due. So now my options were : 1 ) Give my payment details over the phone 2 ) Let them send me to collections I suggested a 3rd option, that I would pay at the branch. They reluctantly agreed. I went to my local branch the following week but they had no record of any such payoff amount, only that $ XXXX was due. I called Wells Fargo and they now said that the account had been charged off, sent to collections, and that $ XXXX was now due. How did that just happen? 

The whole process felt like a scam. Wells Fargo has given me nothing to justify any amount due and I was not in reality given the option for secure payment. Whatever offer it was, it expired a week earlier when they hung up the phone. 

I dont know how this is going to turn out for me, but I do know that no financial institution should be allowed to operate with such loose security standards. Their security should be audited and no one should be forced into a situation like this. 

Wells Fargo recorded our conversations. Everything said here can be verified.

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 2023-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MI

Complaint narrative:
My XXXX XXXX XXXX XXXX  is supposed to be switching to MOHELA from XXXXXXXX XXXX XXXXXXXX. I never had an issue when it was them. I have been on the phone almost 3 hours this time and have many other calls to them to try to figure out what happened as my load went to XXXX. I have called XXXX many times as well and their answer is that MOHELA needs to request the loan. I submitted my form on XX/XX/22, it states it is processed, but they have never requested my loan from XXXX and can't tell me why. Today they said that they have the information but aren't sure why it isn't put through. I have five years of my ten required to get my loan forgiveness. As a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX for 20 years, this is by far the worst customer service I have ever seen. I need someone to help me resolve this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: CA

Complaint narrative:
Ad Astra Recovery is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from XXXX XXXX who already was paid in full directly. Ad Astra needs to be removed from my credit file immediately upon this information. I do not owe Ad Astra any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I have contacted PayPal multiple times requesting information regarding a fraudulent PayPal account opened using Identity Theft. They told me they have no records of the account and there is nothing they can do. The fraudsters have siphoned off approximately {$7800.00} since 2017 from my checking, saving, debit, and credit cards. Paypal denies all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
Hello this is a feature of my XXXX XXXX XXXX debit card that I am supposed to be able to use, but for some reason has never worked for me. I tried XXXX XXXX at XXXX powered by Ria multiple times, a feature of the XXXX XXXX, and it says that they are unable to approve the transaction for some reason. I tried for lesser amounts, XXXX, XXXX, XXXX, etc but all were " unable to be approved '' errors. This also happened today. I still don't understand why it doesn't work. I don't believe that I have reached any of the XXXXXXXX XXXX  described on the XXXXXXXX XXXX and my account has sufficient funds. This is very stressful and distressing to me and am having difficulty even getting to anywhere to try and purchase money orders somewhere, mail them, use a ATM machine and also have to deal with daily ATM limits and fees. I need to complete my important payment as soon as possible and for some reason nothing is working and am still having problems with everything. I have verified my identity with XXXX XXXX XXXX and attempted the XXXX XXXX feature many times in multiple browsers and devices. I attempted to do a bank transfer from my XXXX XXXX  with Ria, and it was declined and my account " locked for security purposes '' while waiting for the bank account verification deposits on my XXXX XXXX and I explained in the email this situation, but have not received any response yet. I have been having difficulties attempting to purchase money orders and getting any help at all from Ria or XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As a longtime customer with Kohls  department store, I never missed a payment and always paid on time. Even paid early for over 3 years. On XX/XX/XXXX, unfortunately, my payment was somehow and became a few days late. But I paid my minimum payment as usual of {$27.00}. My account limit started with a {$300.00} credit limit and quickly increased to {$700.00}. And I continued to pay {$27.00} as the minimum payment. But when I checked my statement my minimum payment increased to {$45.00} and I was told it was due to my balance of $ XXXX. I tried to explain to several representatives that my balance was lower and it didnt make sense that my account balance at {$700.00} was a minimum of {$27.00}. Consequently on a XX/XX/XXXX call with a representative ( XXXX ) I was told my minimum payment in XXXX would be {$27.00}, but I needed to pay the {$45.00} by the due date on XX/XX/XXXX, even though the late fee was reversed. I feel the {$45.00} minimum due is completely unfair and should pay the {$27.00} for XXXX payment. Moreover, I have been given the runaround about this whole situation as a loyal customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
We want to pay off our XXXXXXXX XXXX XXXX XXXX held XXXX XXXX for property. A payoff letter from XXXX in XX/XX/2022 was {$32000.00}. XXXX took over mortgage, new payoff is now {$420000.00}. This payoff has increased over {$100000.00} in 5 months. This is predatory and we are unable to pay off this mortgage with this price gouging and are in fear of loosing our home. Please assist asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I pulled all three credit reports and I began disputing errors. I sent the first set of letters XX/XX/, second XX/XX/ and third XX/XX/. I also provided copies my drivers license and social security card as proof, that their reporting incorrect names, address, verification of accounts but not response to any of the letters.

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 2023-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
It is unclear whether or not they removed the Fraud Alerts and Extended Fraud Alerts on my credit report. I have been requesting their removal too many times for them not to remove these Alerts. The alerts have been causing unnecessary challenges when attempting to access my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
In Reference to Complaint XXXX The response provided to me and you the CFPB by my mortgage company RightPath Mortgage is inaccurate at best and at worst just a Flat out Lie being given by them to avoid taking responsibility for their poor actions toward me the consumer. When I complained that they caused me to lose my modification plan with more favorable terms by not making provisions for me to make payments on it on time, they said they have no record of me ever calling in to even try to make a payment on my original Trial Plan. That is completely FALSE. 

They would never accept or allow me to make a trial payment on the modification given by the prior servicer in spite of my making numerous calls to attempt to make the payment... I was repeatedly told they have no record of the modification and no way in their system to process the payment and told me to just wait until my complete file has been transferred over. This began in XX/XX/2022 when the first payment was due and continued. On XX/XX/2022, I emailed the Modification Assistance department about the problem but NEVER got a response from them at All ... nor did they make the adjustments to give me the ability to start paying. Below is a copy of the email that I sent proving that I contacted them complaining that I was trying to pay but could NOT due to their system 's inability to accept my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not apply for anything in XXXX and XXXX! Must be FRAUD!! I contacted the below creditors and they said it was done online and not in person. They have NO proof I initiated these inquiries, nor written authorization and have failed to provide any permissible purpose. There are no accounts associated with these inquiries and I ask for their removal from my credit report. 

I have already filed a complaint and was told to come here. 

I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. Section 604 of the Fair Credit Reporting Act ( FCRA ) sets forth requirements, called ( permissible purposes ) that must be met before anyone can inquire a credit file. 

If you have no proof immediately of any or one, I would like it removed immediately.

Please have these fraudulent unapproved inquiries below removed from my Transunion credit report as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct name is XXXX XXXX XXXX and maiden is XXXX XXXX XXXX Please delete ALL fraudulent names from my report My current address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all incorrect fraudulent or older ( X ) addresses off my report, as they are not deliverable to me by the U.S. Post Office, and they are not reportable as per the FCRA, since they are inaccurate. 

Thank you for your 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 2023-01-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX is still reporting and trying to collect a debt amount of {$290.00} for a payday loan from Speedy Cash who already was paid in full directly. XXXX XXXX needs to be removed from my credit file immediately upon this information. I do not owe XXXX XXXX any money at all and it is invalid and fraud for them to continue to attempt to collect money for a debt I do not owe.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I checked my credit report and noticed XXXX collections that I do not owe I need them deleted immediately

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 2023-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
When my NFCU master credit card renewed, I updated on XXXX. It's been nothing but he'll. In the beginning the card wouldn't work anywhere. No it's just XXXX. XXXX sees all the deleting and reentering card in. XXXXXXXX XXXX XXXX says going through correctly. 
Call NFCU and they demand worse than mules stuck in mudd that the transaction is coming through with wrong expiration date. It took until this week to get supervisor who finally called me today. I'd asked before for someone above any escalation desk and refused. I talked to supervisor today and after pushing, demanding she begrudgingly agreed to get an analyst involved. She refused anyone above her, which is malarkey. She doesn't know what she doesn't know and truly didn't understand the glitch I was suggesting. She just kept repeating her screen. The bank should be far more proactive and not keep giving me the run around. XXXX has notes in system stating credit services sees transaction going through properly. Perhaps the bank could get tech support involved. An analyst won't help. I noted this. 
Basically the bank refuses to budge or truly help. The amount of calls and wasted hours is astonishing and I want compensation for my time as my time is valuable too, not to mention the embarrassment at 2 grocery stores when card didn't work to no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation