vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I opened the account and a week and a half later they closed it because I found some laws Title 15 Sub-section title 1611 faults and misleading denial of my own credit .that states that you can not deny one person of their own credit, and they close my account because of that. The arbitration agreement states.15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805

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 2024-01-10 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On or about XX/XX/XXXX Bank of America allowed someone else using my Name, ( maiden name ), to collect all pandemic relief benefits awarded through my unemployment/XXXX  accounts. I was asked to show identification verification to Bank of America in XXXX of XXXX and notified unemployment XXXX  department as well. Bank of America verified that in fact they did do this as my identification number and name was never verified prior to this time at all. I am still awaiting reimbursement of these benefits to be given to me and don't know what else I can do to get my stimulus benefits refunded to 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 2024-01-10 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: FL

Complaint narrative:
In XXXX when XXXX and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge XXXX never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.

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 2024-01-10 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: FL

Complaint narrative:
In 2007 when XXXX and the data breach started, I immediately started trying to freeze my credit report, which was not frozen after several attempts. I noticed several items being listed on my credit report over the years without my knowledge XXXX never followed the proper steps for consumers to gain back their credit. For me, it was like pushing it under the rug and hoping go away. 

I have tried over again to send letters. Stayed on the phone for hours, just to get the run around.

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 2024-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In 2018 I was going through financial hardship. My wife was XXXX and I fell behind on my Navy Federal credit card. My wife and I were in the XXXX and we called Navy Federal to see what our options were. I spoke to a representative and my wife was a witness, he told me that I could refinance my car with the collection included, he told me that I would be paying for the car three times over and he recommended that I paid it off sooner but he could add that collection to the car refinancing and add more years onto my payment. I had no other options so I was willing to do that, so I refinanced my credit card collection with the car, and I have been making my payments ever since. Well, my brother was trying to Navy Federal to Navy Federal my sister Money her account wasnt going so he did a test trial with my account to see if it was his account that had issue or hers. Once he transferred the money to my account, Navy Federal took the {$4000.00}, and upon speaking with them, they told me it was for the credit card collection. First of all the funds were not mine second of all, I didnt give Navy Federal permission to take funds from my account third I have been paying a car note for almost 10 years which included that credit card collection. Upon speaking with them, they said that they can not retrieve the phone conversation that was had with the representative because it was too far back so I provided them with a screenshot from my account that says refinance with collateral collection. They still have not gotten back to me. They have not returned the funds that were not mine, this is the only credit card that Ive had with Navy Federal and if there is a different credit card that theyre speaking in reference to I have requested validation and verification of that card because Ive only had this one. At one point there was a breach of XXXX information. I logged into my account and it said that there was a mortgage open in my name through Navy Federal mortgage. I immediately reached out to them, and after three days they had it deleted, but Im not sure whats going on with their systems. All I know is they owe that {$4000.00} back And no one has been responding to help me. I would have never refinanced my car that only had two years left of payments without the credit collection being included. Im attaching proof that my brother was trying to send those funds to another account. This was the message he received, which is why he tried to send it to my account, those funds did not belong to me. The representative was not able to explain to me why my refinance would say refinance with collections yet not include the credit card collection. They said that they dont have the ability to retrieve the phone call as if that is my fault.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
On XX/XX/2024 I opened a XXXX checking and saving and added my fiance XXXX XXXX to these account. 

That same night she tried to XXXX from her XXXX XXXX  Account to our joint Navy Federal Credit Union account. 

She sent {$1.00}, ( to make sure it went to right account ) ; which it posted. Then she sent {$890.00} ; and the {$890.00} would not send. 

The next morning I got XXXX emails from Navy Federal Credit Union stating there was fraud done with my account. 

I called Navy Federal Credit Union, and they had closed my account, and did not want to discuss anything else. 

I went to the closest branch, and they said the XXXX transaction was reported by XXXX as fraud. 

Navy Federal told me that there was nothing they could do about it, and it was not reversible. 

I have never committed any type of fraud ; and I am very offended. 

I was able to get all my accounts closed, and my money out of the bank ; but that is not what I wanted ; which was to keep all my accounts. 

I appreciate security protocol, but security got this situation completely wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MI

Complaint narrative:
Their login system is down, their bot doesn't provide any useful info and they don't pick up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: CarMax, Inc.
State: SC

Complaint narrative:
RE : You violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) charge error ). '' Upon conducting a recent examination of my credit history, I discovered a substantial number of billing issues under 15 U.S. Code 1666 ( b ) billing error. * The creditor 's inability to truthfully depict an obligation payment or credit that was given to the debtor on a statement. * A computation error or other similar accounting error on a creditor 's statement. 
Upon conducting a recent examination of my redit report, I discovered a substantial amount of discrepancies.Based on my understanding, the creditor XXXX failed to furnish me with a statement at least 21 days in advance, so precluding any occurrence of late payments on this account. I kindly request access tr verifiable evidence from the creditor 's financial institution that substantiate. 
nonpayment and late status, which can be attributed to an evident billing error. 
My consumer report states that each of the items below needs to be changed to paid as agreed-never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
I made transfers of {$1000.00} to XXXX from my bank account to my brother ( XXXX XXXX on XX/XX/XXXX  through World Remit but the money never got into my brother account. I have contacted World Remit numerous but with a negative result. They refused to refund me my money. 

The transfer # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Possible Financial Inc
State: TX

Complaint narrative:
i have been trying to pay XXXX cause thats all i have left on loan but you guys are not allowing me to update my bank info everytime i give my info its saying i cant make my primary account which i dont know why so can you guys just give me the address so i can send it in money order cause you guys app XXXX so all i need is a address i have 18 days before this account is default and im already getting late payments for this XXXX when i have been trying to pay for months i moved and everything

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MN

Complaint narrative:
I made payments towards my loans and they applied the payments to interest that should not have existed on my account. They only remedied this when I called it out to them on a phone call with their agent. There wasn't an acknowledgement of their error. I keep meticulous records of my payments but their website does not provide much for clarity on my payments and how they are being applied. I do NOT have confident in them being an adequate loan servicer for my loans and they will be a detriment to my success in repaying my loans. They are so terrible that the Department of Education publicly withheld payment for services because they were not able to accurately return millions to repayment, me included. 

Same issue as before where they still haven't paid out on the legislatively guaranteed refund of XXXX payments : Called to request refund of payments made during the XXXX forbearance on XX/XX/XXXX. Was told they needed 90 days to process the request. Followed up for status check to confirm that request was still happening on XX/XX/XXXX. Followed up for status check and was told it was still being processed on XX/XX/XXXX. Followed up for another 30 day status check and was told that it was still being processed on XX/XX/XXXX. Had figured that the refund would occur by 120 days since request. Called again for update on XX/XX/XXXX and still was told they needed time to review. They could provide ZERO clarification on what the hold up was. Called on XX/XX/XXXX. Was told that it could be escalated upwards and a resolution should be expected in 30 days. On XX/XX/XXXX, I was told it could be escalated up and I would have a resolution in 30 days. I have heard nothing. I sent a messages via their portal and was told to call them again for follow up on XX/XX/XXXX. I sent a previous CFPB and they finally responded that I would have a remedy from XXXX days after XX/XX/XXXX ( a year after the initial request ). I called them XX/XX/XXXX for an update and was told they would escalate it upwards. It is XX/XX/XXXX, nearly 16 months after the initial request. Still waiting for the request to be remedied and the refunded money that was legislatively guaranteed to me to be paid out while I still have bills and missed opportunities for investing this money myself. We are over XXXX business days from their initial letter stating that they were sending it to the treasury.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I bought my home with 15 % down. I paid additional principal payments to get to 22 % equity at 38 months after closing. 

I contacted my lender, PHH to remove the PMI requirement PHH refused to remove PMI and offered the following : I could pay them a fee to " re-appraise '' my house and then they might remove PMI at their discretion. The explanation given that the investors didn't want to. When I pointed out there is zero incentive for investors to remove PMI ever and maybe we should follow the federal threshold instead my request was still rebuffed. 

I do not know if I should pay them the fee and hope they do the correct thing or just continue to pay the unneeded PMI

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi, this was the most recent letter written to Comenity Bank. I continue to have problems and get no response. 

Since opening my card in XXXX I have had multiple issues with payments and charges to my account. 
- XX/XX/XXXX, I was out of the country and denied re-entry to the US due to having XXXX. This time frame was greater than 30 days. I checked all of my accounts prior to leaving to ensure autopay was active and all but my Comenity payment had processed. I made the payment upon returning but eventually a late payment hit my credit reports causing them to drop on average XXXX points! 
- Around this time, your business was switching financial institutions and there were no updates to my balance for 7 months! This falsely elevated my credit utilization which did not reflect my ability to pay back the debt to other lenders. 
- XX/XX/XXXX, an unauthorized amount of {$830.00} was debited from my account. This was the full amount of a purchase I recently made that came with a 0 % promo period. I had insufficient funds in that account, was charged an overdraft fee by my bank, and this payment was not returned to me for 10 days. 
- Since the payment was returned, Ive been hit with multiple interest charges to the balance and this should not be accruing interest. I was supposed to have 9 months of 0 % interest to repay for my purchases. One was removed and at my most recent request to have the second removed and the 0 % restored to my account appears to have been disregarded as it is still there. 

As of this writing, the interest payment has not been removed, I still have not gotten any response. Today when i logged in to check that the payment would be drafted via autopay, it shows no automatic payments are set up even though last month it was and ive made no internal or external changes with my account. 

Thank you for taking the time to read this, XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Mr. Cooper Group Inc.
State: MN

Complaint narrative:
I am writing to file a complaint against Mr. Cooper, my loan servicer, for their malpractice during the loan assumption process. I have been in the process of selling my home since XX/XX/2023, with an FHA loan serviced by Mr. Cooper. The intended transaction involves the assumption of the current loan by the buyer, with the remaining amount to be paid in cash. Despite significant effort to explain the assumption process to potential buyers, we encountered numerous issues with Mr. Cooper, leading to the loss of a buyer who signed a purchase agreement on XX/XX/2023. Sabotaging behaviors, inconsistencies, and contradictory instructions from Mr. Cooper were significant factors in this loss. Multiple attempts were made by my broker and me to communicate with Mr. Cooper representatives, resulting in inconsistencies in response and a lack of understanding regarding the loan assumption process. Representatives provided conflicting information on the approval timeline, ranging from 4-6 months to 45-70 days, deterring the buyer intentionally. Furthermore, the lack of coordination and understanding among representatives created confusion for the buyer, eventually leading them to pursue other options. A subsequent purchase agreement with another buyer is now jeopardized due to similar inconsistencies, with Mr. Cooper citing missing documents ( license and social security images ) while contradicting statements from different representatives. The requirement for me to proactively call to check the status of missing documents is both burdensome and, in my opinion, unethical. This practice has left me feeling helpless and may result in the loss of another buyer due to Mr. Cooper 's malpractice. I urge the CFPB to investigate this matter thoroughly and take appropriate action to address Mr. Cooper 's inconsistent and obstructive practices in the loan assumption process. There is a reason this company is related so poorly with the XXXX and there are current lawsuits pending regarding their recent cyber security attack. Your assistance is crucial in ensuring fair and transparent dealings for consumers. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: OR

Complaint narrative:
[ I will upload a PDF of this in case the formatting gets lost ] I pulled my Equifax Consumer Report and noticed a whole bunch of things I do not want on there, which I had never consented to them having or sharing. I mailed them a very detailed letter requesting they prove they had the right to receive and share my information. I clarified that even if I HAD accidentally consented, I hereby revoke that consent and I listed all the things they must remove. 

I extended Equifax 30 days to provide proof of my contract with them as well as proof they have provided clear and conspicuous notice. I also extended them 30 days to remove the particular things I wanted removed, requesting they send me an updated report. 

I made it clear I will hold them accountable for {$1000.00} per violation. 

I also made it clear that, as Im currently traveling, they must respond via email. And therefore, if they mail their updated report and/or proof of contract or consent INSTEAD of emailing it to me as well, it shall be considered as though they have not responded at all. 

I have not received any email. I am not aware of any mail sent to the mailing address they have on file. And, as I can see from todays Equifax report, there are still XXXX data points which they have yet to remove. 

For the record, I will attach my letter to Equifax in this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: OK

Complaint narrative:
Currently, as a federally protected consumer Im seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Thus, absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

I am disputing the information directly with you, the furnisher of information, and I am requesting an investigation in the FCRA Section 623. The FCRA regulates how the credit bureaus handle your report under section 611 for accuracy { 15 U.S.C. section 1681-2. Any attempt to collect this debt without validation violates the FCDPA. ( FAIR Debt Collection Practices Act ).

806. Harassment or abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts * Please note that proper documentation is NOT a printout or bill from you but rather actual proof of the alleged debts existence ( original alleged contract bearing my signature ). Expeditious weekly updates are scheduled to be sent to the CRA electronically. Lastly, please provide evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company response to consumer: Closed with explanation