vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Dear Consumer Finance, I am writing to request a correction of the following information on my [ XXXX, TransUnion ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Thank you for your assistance.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Dear Consumer Finance, I am writing to request a correction of the following information on my [ Experian, XXXX ] consumer report : An account ( number : XXXX ) with XXXX is currently being reported as delinquent. This account does not belong to me and has not been updated since 2018. I have reached out to the credit bureau to correct this, but this information is still reporting inaccurately for 2 out of the three bureaus.

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Thank you for your assistance.

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 2023-03-09 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
This happened to me in XXXX : https : XXXX? XXXX XXXX XXXX XXXX  : XXXX I arrived in XXXX for business. My hotel was in the XXXX district. I went out to a normal looking bar that was on the street by myself. I went in to soak up the atmosphere of XXXX and I was wide awake. This is around XXXX. 

I paid for two drinks ( by credit card ). Went to the bathroom. A couple of girls said hello to me. This was not a hostess bar. My drink must have been spiked when I went to the bathroom. I then don't remember the next 5 hours or getting home. I have flash backs of being in a room by myself. My American Express personal and corporate credit cards were charged a total of $ XXXX. I was then sick for the next XXXX days. I reported the matter to the police but the XXXX did not show me leaving and other rooms in the venue, did not have XXXX. The understood what had happened to me but could do little about it. I reported the matter to American Express. They were very helpful and empathic but nothing happened. Eventually ( 30 days later ), American Express Corporate issued a refund for the corporate charges but American Express Personal because I had charged my card for two drinks, claimed that they had my express permission. American Express acknowledged the fees went to a construction company in XXXX and that I had no history to suggest I would spend $ XXXX in alcohol by myself ( or with anyone ). American Express own security protocols were not enacted, which should have happened a transaction for {$2500.00} was made. Furthermore American Express are willingly and knowingly supporting and funding organised crime, terrorism and attempted murder ( by being drugged ). They have open another investigation, but this is just American Express buying time. American Express needs to refund this monies, based on precedent alone that American Express XXXX acknowledge that this is fraud. I am XXXX XXXX XXXX, XXXX XXXX, as a single income family with a XXXX XXXX, that could have lost his life because of American Express policies. My wife has been sick with stress do to this event, resulting in multiple trips to the Dr . I will have to empty savings for my son education to pay for this and my credit score has been ruined from an excellent score of over XXXX to less than XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Nationstar Mortgage LLC d/b/a Mr. Cooper ( henceforth, XXXX Mr. Cooper '' ) forces you to be their good graces and does not allow payment prior to the due date when setting up an auto payment for your mortgage. 

Their website does not allow for payment prior to the due date, and their auto-payment policy says " The date that you choose must be within your grace period or your request to set up AutoPay will be denied. '' I do not want to be in their " grace period '', I want to be able to pay my bills before the due date as I would be concerned about the paper trail created. What if there is a dispute at some point between a payee and Mr. Cooper and they could say something that the payee " never once paid before the due date ''. 

This semantic thing going on with due dates, grace periods, and " The date that you choose must be within your grace period '' seems like an effort by Mr. Cooper to have leverage over there clients. 

What is the reason for preventing payment before the due date? Why would any company prevent payment before the due date? Money now is worth more than money later. Can anyone contrive a reason for this policy that is not an attempt to have one over on the consumer?

Attached is Mr. Cooper 's auto-payment agreement, and a bi-weekly ACH application.

I also have two letters they sent to me in response to my questions ( Letter 1 and Letter 2 ) that I will quote from, but am not including the attachments for anonymity 's sake.

Notably : - Letter 1 mistakenly says that you can setup " any date '' for automatic payments. This is wrong.

- Letter 2 suggests a work around to bypass some of the controls on the website that involves paying using a one-time payment before the month it is due and the immediately setting up a auto-payment that would pay a month before the due date. This work around fails on two fronts. 1. It is against the auto-payment policy. 2. It forces you to pay the XXXX through the XXXX of the month before the due date and not the XXXX through the end of the month. 
- The Biweekly ACH payment once again has the same issues. You can pay the early, but only if you agree to be making half the payment in the first half of the preceding month.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XX/XX/2020 it was a fraud an they include me in voice recorder that I was working in Indiana employment with funds an I told them it was a mistaken but the security navy federal didn't won't to reopen my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Here is a summary of what happened Account name XXXX XXXX XXXXXXXX Account number XXXX Account type Education Responsibility Signer with other person Date opened XX/XX/XXXX Status Open. {$50.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$50.00} Original balance {$5500.00} Highest balance {$0.00} Terms 180 Months This account was originally opened with XXXX XXXX I have no recollection of XXXX XXXX or how to get into contact with them to put my loan back into forbearance I am a XXXX XXXX I can afford to pay but I have not received any formal information in how to proceed with payments.

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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
On XX/XX/2023 I was approved for a Citi XXXX XXXX XXXX credit card. After several weeks without receipt of the card, I contacted CITi and was told they would send a letter to verify my identity. After a week and a half, I called again and they stated they would said a new letter which I again never received. I attempted to contact Citi again today, XX/XX/2023 and they insist on sending another letter before I can close the account. I know have a credit line drawn against my social security number and an annual fee being accrued without any access to this credit line which I have no way of closing.

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 2023-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: UT

Complaint narrative:
US Bank 's online mortgage payment is system is ERRONEOUSLY and sneakily adding a late penalty before the payment grace period. I have 2 mortgages and this is happening when I pay both of them. THIS MUST be a system wide trick or egregious error meant to take advantage of customers. The screen does NOT show any penalty YET the amount includes it. Per US BANK 'S own mortgage statements, the late fee MAY be charged after the XXXX day of the month ( when the payment is due on the XXXX of the month ). I just paid these 2 mortgages on the XXXX, and the late fee was sneakily applied to the payment amount without any transparency as to why and it should not have been added at all per their statement language " If received after XX/XX/2023, {$54.00} late fee may be charged. '' None of my payments have even been LATE.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
In the long ago, I had a checking account with Wells Fargo in XXXX XXXX Until I learned that it was charging me fees for writing too few checks, I thought things were fine. 

I heard CFPB director Rohit Chopra on XXXX this morning talking about fees, known and unknown, and thought you would find this relevant. When I talked, or tried to talk, with Wells Fargo about this practice I was told that this was the way the bank did business. 

I cancelled my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have had an outstanding medical bill for many months. I am still on my fathers insurance and he was meant to pay it. He meant to pay it but apparently never did. I was surprised to see it posted to my credit report this morning as it is under {$500.00} ( the bill is {$490.00} ) I know as of XX/XX/2023, credit reporting agencies can not add medical debt less than {$500.00} to credit reports. The creditor is XXXX XXXX XXXX.

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 2023-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TMX Finance LLC
State: DE

Complaint narrative:
On XX/XX/2023, I attempted to make a regular monthly payment of XXXX ( I make my payments on time every month ) When I logged in the amount changed from XXXX to XXXX so I called Title Max of Delaware located at XXXX XXXX XXXX, XXXX DE XXXX they advised I refinanced my loan most likely unknowingly thru the mobile app when I was making on payment on XX/XX/2023. They stated I received an additional loan payment in the amount of XXXX, I never received any additional funding and when I asked where and how this amount was given to me they are unable to confirm or trace the payment to me. This now caused my loan to go into default also causing my vehicle to currently be on the repossession list, I have filed a civil action against them currently and it is causing XXXX, stress and sleepless night worried about my vehicle getting taken. I have never missed a payment on my term.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: GA

Complaint narrative:
I paid this debt about 4 years back and its still reporting negative on my credit. The company advised me that it would be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/XXXX there was a credit inquiry done on XXXX by XXXX XXXX and this is fraudulent. I never applied for a loan or a credit card. 

On XX/XX/XXXX there was a credit inquiry done on XXXX by Barclays Bank of Delaware. I never applied for a loan or a credit 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 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: FL

Complaint narrative:
Credit control has been sending continuous calls, letters claiming that I owe them money. I have sent them continuous letters via email and mail in which they have not responded to any of them.

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 2023-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Self Financial Inc.
State: CA

Complaint narrative:
On XXXX XXXX I lost my self credit card various charges were made without my knowledge. I reported the card lost/stolen to the company when I made my monthly payment on XX/XX/XXXX. This I a card I don't use nor check very often however I did know I had an outstanding balance however it was not the amount that was being reported. The company issued me a credit and told me it was going to be taken care of. About a month later the credit was reverse and the company would not give me a reason as to why. The representative I spoke kept insisting this was a " back office issue '' however there was not way for me the owner of the account to get any further details. It was recommended I dispute the transaction once again. I did. I repeatedly did these step 4 time each time being met with sorry we just have to keep disputing it. No reason was ever given. And after not paying the balance of the unathorized transactions the company closed my account and posted the fund used to open this secured card as payment towards the past due balance. There was a remaining balance of XXXX dollars which has been accumulating late fee and intrest charges since then. Self lending has been reporting this closed account as delinquent for the last 3 month even though I have filed a dispute several times and they keep being rejected this has now affected my credit score they kept XXXX of then deposit and the keep calling me stating I need to pay off the balance even thought i informed them everytime those were fraudulent charges

Company response to consumer: Closed with explanation