vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
We have a 15-year loan with Mr. Cooper and we are in the processing of paying off the home early. We have an auto-payment set to come out every month on the XXXX in the amount of {$2400.00}. 

Earlier this year ( 2021 ), we had an issue with Mr. Cooper applying " additional payments '' to our account instead of " principle only '' ( which was our intention ). The representative fixed the errors in our account and then recommended that we make our monthly payment ( auto withdrawal ) and then select " principle only '' whenever we make another payment that is for principle only. We had already been doing that and it was Mr. Cooper 's error for applying the payment incorrectly. 

There is a VERY SPECIFIC area on the app in which a consumer can select " make a one-time payment '' and then you can choose " principle-only Payment ''. However, Mr. Cooper continues to apply our principle-only payments as a regular monthly payment, then advancing the month the mortgage is due by one month ( this is not acceptable, we will pay off the loan early regardless ). My husband had to call them again in XX/XX/2021 to fix the same issue. The representative indicated it would be fixed. 

We made another payment today ( XX/XX/2021 ), principle-only in the amount of {$21000.00} and AGAIN Mr. Cooper paid XXXX to principle and withheld another " monthly '' payment one-month early. Mr. Cooper has still not corrected the " extra payment '' issue in XX/XX/2021. 

As consumers, my husband and I can not help but believe this is Mr. Cooper 's method for gaining advance interest payments and more interest than they should be collecting for a mortgage that will be paid early. Every time we try to reach Mr. Cooper, the recording indicates we will be called right back, in cue, the order of calls received. Instead, it takes them days to get back to us. 

If Mr. Cooper makes this a general practice across mortgages, essentially, they are collecting more and more money from consumers than they should be. Just with our last two principle-only payments ( Mr. Cooper applied incorrectly ), they collected another {$270.00} in XXXX interest and {$300.00} in XXXX interest ( EXTRA ). 

Regardless of our efforts to have this corrected, Mr. Cooper continues to allocate our payments incorrectly. We should not have to call them constantly to correct the issue when we are following the procedure exactly as we were instructed to do. 

Look at the hot mess they have made in our accounting ( attached ) as well as screen shots of the Mr. Cooper app where we make out payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We XXXX XXXX XXXX in XXXX and during Covid we were not able to pay our personal credit cards and loans so we called the credit card companies to defer the payments and to close out accounts to lower the interest rate. Now, I am current with the credit cards and trying to get pre-qualified to purchase a home but I can't get approved because of the 30, 60, 90 days late payments that were incurred during the end of XXXX through the beginning XXXX. According the president, the late fees were not to be assessed during Covid and the creditors would help out. Well, I come to find out that is not the case since I am trying to get pre-approved and my credit score is being affected from the late 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 2021-11-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter Equifax sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
CCS COLLECTIONS XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX accounts XXXX. {$130.00} This account was removed from my credit report as fraud how ever it has still not been removed from my report effective my credit score

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: KY

Complaint narrative:
I HAVE CALLED TRANSUINION MULTIPLE TIMES IN REGARDS TO THESE FRAUDLENT INQUIRIES ON MY CREDIT REPORT AS WELL AS SENT IN MY POLICE REPORT THAT I FILED REGARDING MY STOLEN IDENTITY AND TRANSUION HAS GAVE ME THE RUN AROUND & HAVE YET TO FOLLOW UP WITH ME NOR OR THEY REMOVING THESE INQUIRIES OFF OF MY REPORT. I ALSO CONTACTED EACH COMPNAY WHOM THE INQUIRIES WERE MADE BY AND THEY ARENT BEING A HELP EITHER. 

XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX ALL OF THESE ARE FRAUDULENT AND AM ASKING THAT THEY BE REMOVED ASAP

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 2021-11-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
XXXX XXXX I run a small XXXX XXXX and unfortunately Covid hit my XXXX hard and 90 % of my clients went on hold ( clients choice ) due to the virus and fear! Do to this I was on XXXX and I had to apply for the PPP loans. I never expected when I started my XXXX for any of this to happen and prior to covid my account was in good standing! I have been charged thousands of dollars in fees! THOUSANDS! Yes they waved some ( {$2200.00} last I counted ) in fees since covid hit hard, but then again Ive paid over {$12000.00} in fees to This date XX/XX/2021. Ive explained my experience and Ive asked for help and I keep getting told they can no longer help me. I am aware I got a lot of help during the pandemic because times were hard, but Im also aware that $ XXXX in fees is absolutely ridiculous! I keep trying to get into the positive and keep it there and they keep applying fees. Each fee puts me further and further behind!! Im a single mom, a small Buisness owner and this past almost 2 years has been hard and I need some Help here! Ive given them over $ XXXX in hard earned money just because I went negative or I had NSF a few times. Im doing my best to catch up, and I cant catch up if they keep adding fees and continuing to put me further behind.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
I have contacted the bureaus multiple times on this issue. my initial investigation started XX/XX/2021 and is long overdue for removal under the terms that the bureaus have yet to send me proof that I in fact submitted these inquires myself such as original documentation with my signature, instead, they just send letters saying it's been verified but they are going against the FCRA by not sending me the proof they obtained! I've pleaded for proof but still, no proof has been sent! here is a copy of the letter XXXX sent me in response saying it's been verified. if you in fact verified this account why have you yet to send the proof of verification to me as well! please help me in this matter! they are affecting my credit report negatively! this also goes for TransUnion and 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 explanation
Consumer complaint received 2021-11-06 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: TX

Complaint narrative:
Transunion has a problem with supplying me with my credit report and In fact I havent been able to see it in years..my credit has taken blows due to results of not being able to monitor it in years due to inaccurate information on their end but they told me everything was good and had me asking other companies like XXXX XXXX and XXXX XXXX and others to fix the issue when they had 2 names on my file etc with 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 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: MD

Complaint narrative:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
After reviewing my XXXX credit report, I noticed a medical collection that does not belong to me. After following up with the reporting company several times, I've yet to have this issue resolved. I've requested documents, but have still yet to receive any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
After reviewing my credit report, I've noticed a medical collection account reporting to my XXXX credit report. I've reached out to the company for documentation showing the debt is mine, but haven't received a response after several attempts.

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 2021-11-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
It was on XX/XX/21 XXXX around XXXX or XXXX. My kid called me from his friend phone saying he got email saying he is doing wire transfer to the girls account XXXX. If hes not authorizing this, call this number. 
He didnt do it, so he called from his friend phone because his phone got hacked suddenly, and he couldnt use his phone and no one couldnt call him. He called Wells Fargo customer service to stop the transaction. Also, I called myself WellsFargo customer service and told them to stop the transaction but they told my kid they cant know if its him even though he gave his account number and social security number. Customer service told me they dont have authority to do anything but make an appointment next day on XX/XX/21 XXXX which I went. 
It was still pending on XXXX, but next morning money was gone not pending, but posted on top of XXXX dollar transaction fee. So XXXX we filed the complaint, but got denied after 10 business day. Then we escalated the case, but it got denied again. Now they re escalated higher levels or whatever. We called the fraud department asking to work with police provided her phone number police case ID and everything, but they didnt do anything but denied our case. 
I dont know why customer service doesnt have any authority to stop fraud transaction to begin with. We got email saying we are doing wire transfer, so we called they saying its not us, but they say they dont have any authority to do anything, then what is the point of customer service??? 

Also, around 2 weeks ago from XXXX, so mid to end of XXXX, he got email saying the girl tried to withdraw XXXX from his debit card, but couldnt withdraw because she didnt have correct password. So he went to branch to cancel his debit card, and request the new debit card. People at branch didnt close his account and opened new account which he should have. Instead, they said its ok as long as you get new card???? 

Customer service of Wells Fargo is beyond horrible. I cant even describe how terrible they are. 

If we didnt get money back, well find the lawyer and file a lawsuit. This is the money for my son college money. We need to get it back.

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 2021-11-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
There are 2 Visa Credit card charge-offs that showed activity month after month. According to the fair credit reporting act, the account should not show activity once it has been charged off. The repeated charge-off activity caused a decrease in my credit score each month. I have been denied credit due to this issue. I have tried to resolve this on my own, but have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
On XX/XX/2021 I was charged {$19.00} for an annual club membership from XXXX XXXX to their store credit card by Comenity bank. I did not subscribe to their service. I have for the past three years had to call XXXX XXXX and dispute this charge. 

I originally called XXXX XXXX on XX/XX/2021 to have the charge removed. They said they did not know what the annual club membership was and could not remove it. They then transferred me to another department, but that department could not help either. I was transferred multiple times to different departments, none of which could help resolve the issue. 

On XX/XX/2021 I called Comenity Bank and disputed the charge. They told me to wait a few days for XXXX XXXX to respond. While on the phone with Comenity Bank, we called XXXX XXXX together and tried to resolve the issue. We were transferred to multiple departments, none of which could remove the charge- with the agent from Comenity Bank on the phone. 

On XX/XX/2021 I called XXXX XXXX again and was transferred to multiple department. Finally one agent told me that the claim had been dismissed. I still have not received a credit from XXXX XXXX and do not understand how my complaint can be dismissed when I have asked for a refund multiple times. 

Since then, I have been charged late fees ( {$21.00} ) and XXXX XXXX  still has not refunded the amount for the club membership.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I, natural person and consumer of the United State of America Pursuant to 15 USC 1681b, Exeter Finance LLC received my consumer report but has no written instructions from the consumer ( me ) to whom it relates. This constitutes a violation of Title 15, Chapter 41.

Exeter Finance LLC also violated 15 USC 1681d and 1611 as they caused to be procured an investigative consumer report and did not accurately disclose to the consumer ( me ) that such report would be made. This too constitutes a violation of the Title 15, Chapter 41.

Exeter Finance continues to report that they made a fraudulent and unlawful inquiry on my consumer report after I made them aware via CFPB complaint XXXX that they had not received my consent to do so. Exeter Finance LLC is in violation of 15 USC 1611, by continuing to report false and inaccurate information to consumer reporting agencies, therefore ruining my reputation as a consumer and defaming my character.

Pursuant to 15 USC 1691e, I am owed a remedied as a result of this unlawful and fraudulent procurement regarding my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 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: GA

Complaint narrative:
Please assist me in getting the following items removed from my credit file. I have sent several disputes without any response. It has been over 45 days and no response. 

The following items do not belong to me ( Fraud Account ) - XXXX - XXXX XXXX ( Transunion ) - Bal : {$100.00} Incorrect Addresses : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 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 explanation
Consumer complaint received 2021-11-06 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 — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have asked them to show proof of being 30 days late. I have not been late and have made all payments. I have asked them multiple times and they refuse to show proof and refuse to removd

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I received letter XX/XX/2021 from collection agency Nationwide Recovery Service XXXX XXXX XXXX XXXX, XXXX TN XXXX, ( XXXX ) XXXX ( XXXX ) XXXX requesting payment {$430.00} for services at XXXX XXXX XXXX XXXX  address not given.This is false information. I have never heard of this company and never visited them. I have visited or entered the state of Tennessee in 40 years or more. In addition to having XXXX as my provider which I provide my card for all medical services, I have military benefits as my husband XXXX with 33 years of service. It was suggested that I pay online to XXXX XXXX XXXX which I did not try or I had the option of mailing the payment. Instead I wrote back to the address requesting detailed about the charges, the company, the copy of an invoice and documention showing this agency authorized to collect in Georgia, my state. I mailed them a certified letter on XX/XX/2021. 
Today I received another letter dated XX/XX/2021 from Nationwide Recovery in a suspicious envelope not showing their name but the same po box that had been applied with a hand stamp addressed to me but the incorrect zip code printed. The letter was in response to my letter. It included a statement from XXXX XXXX XXXX by XXXX, XXXX XXXX XXXX, XXXX, Ga XXXX, Tel XXXX XXXX. The statement listing these charges on XXXXare not included on my XXXX statement. Neither have I ever visited the address XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX Ga XXXX .There was a copy or list of the issuance of several state 's license permit but Georgia was not on this list. The Compliance representative signing the cover letter was XXXX XXXX. My address on the cover letter was incorrect. 
While it is frustrating receiving a letter from a collection agency since I have never received in my XXXX years of life, I feel threatened that my name and address are being used for this scam. At this point, I am reluctant to do any investigation on my own for fear that my telephone number or other info could be exposed.

Company response to consumer: Closed with explanation