vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
My payment activity is incorrect due to their system outage from XXXX. After I made my monthly payment for the XX/XX/XXXX statement plus another payment for additional principal on XX/XX/XXXX, their system said at the time that my next payment due was XX/XX/XXXX. However due to their system outage, their system tried to take the autopay for the XX/XX/XXXX from my bank account anyway even though no payment was due, and there was not enough funds in my account causing the payment to be rejected. I also got charged a NSF fee from my bank as they should not have deducted that autopay for XX/XX/XXXX. 

Because their system was down, I couldn't check my balance and what was due, so I manually made a payment which ultimately should have been entirely applied to additional principal because I already prepaid for my XX/XX/XXXX balance on XX/XX/XXXX. My XX/XX/XXXX payment is still not credited to my account correctly. My XX/XX/XXXX payment should have applied to my XX/XX/XXXX due date, and my XX/XX/XXXX payment should have been applied entirely to additional principal but it is not. An entire payment is charged with interest even though no interest should have been due for XXXX of either the XX/XX/XXXX or XX/XX/XXXX payments as there were XXXX payments made for the XX/XX/XXXX statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank close my account sometimes between XXXX and XXXX. I never got the reason ( s ) why. I'm now wanting to be compensated for failing to contact me. I also wasn't able to have access to any account statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: TX

Complaint narrative:
last month when i applied for a mortgage at XXXX XXXX XXXX i was made aware that i owe XXXX XXXX  XXXX 2 credit cards that i didnt open. they indicated that i was a victim of identity theft and that i should file a complaint.

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 2023-12-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
I sent {$990.00} to a family member since XX/XX/2023, money never deposited to the account. I contacted moneygram around XXXX, I received all kinds of reason/excuse ( because some does not make any sense ) why family member did receive the money, when contacted them by phone. 

I did, at least XXXX time, send a written message requesting a refund, still I am not getting any clear answer from company nor getting my money back it has been almost 3 months. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: AR

Complaint narrative:
On XX/XX/ at XXXX XXXX I attempted to make a cash deposit of {$340.00} into the ATM at regions bank .. the atm screen showed an error message, my deposit was not debited to my account and the atm did NOT give me my cash back. I IMMEDIATELY tried to check my balance following the transaction to see if the cash was deposited and it was in fact NOT deposited. I then immediately called the regions customer service line and filed a complaint while still sitting at the ATM. I did not leave that atm until my claim was filed. Now almost a month later, I have received a letter stating their atm was in balance and they are taking my money. THAT ATM ATE MY MONEY. I WANT the camera footage pulled up and my money left ALONE. I will be filing more and multiple complaints with Regions until this is resolved. I took pictures of the ATM that caused the issue I immediately called without leaving the ATM. I want the camera footage if you can not fix this error on your own. That is MY money and their ATM made a mistake.

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 monetary relief
Consumer complaint received 2023-12-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have filed a dispute with capital one informing them that my identity was stolen, ive filed a police report, etc and they verified account information as accurate and not fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — Store credit 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I have submitted multiple complaints to Macy 's regarding issues with my credit card, but unfortunately, I have not received any response. Communication with the company has been particularly challenging on these matters. On several occasions, I have noticed an inexplicable two-dollar charge on my account after paying off my card, and despite my efforts to get an explanation, Macy 's has not provided any. Furthermore, this situation has negatively affected my credit score for this and other reasons. When I try to communicate with them, they simply tell me that I must make the payment, showing no interest in listening to or addressing my concerns. Each time I call, the service I receive is unsatisfactory and it seems they do not take my concerns seriously, which is extremely frustrating. They just tell me that this call is to collect a payment. 

What an unpleasant company.

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 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
We submitted multiple checks for escrow and scanned the front of the checks ( front only ) and emailed them to the contractor as proof of delivery. The contractor was fired from the project after delivery of the checks to escrow. The checks were written on XX/XX/XXXX and cleared our account on XX/XX/XXXX. I called our attorney to confirm he still had the original checks in his possession, which he did, still held in escrow The contractor printed the PDF 's that were emailed to him, cut the paper into check size and endorsed the back, which as a blank sheet of paper and proceeded to mobile deposit them into his Bank of America account. You can clearly see in the attached documents that the checks were printed on a printer, cut into size and the back is blank because it was a sheet of paper and not an actual check. We notified our relationship manager at Regions bank on XX/XX/XXXX regarding the fraudulent checks, she agreed they were fraudulent and informed me we had 60 days to file a complaint. The checks were on our XX/XX/XXXX statement so we were within the time constraints. Our relationship manager incorrectly filled out the claim so Regions internally rejected the claim twice in 4 months without ever sending the claim to XXXX  XXXX XXXX. When Regions finally sent the claim to XXXX  XXXX XXXX, at our request, XXXX XXXX XXXX paid 2 of the 7 fraudulent checks but the contractor had drained his account of money so the other checks didn't get paid. I've attached copies of the checks and a response from Regions regarding the claim. 

Regions still does not fully understand that the images that were mobile deposited are not of the actual check, they were photos of an image printed on a printer with no actual back of the check.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See attachments

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 

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 2023-12-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to address a matter that has been of concern to me and has had a significant impact on my credit report. I recently reviewed my credit report and noticed that there are late payments reported for my accounts. 

XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX customer service I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

If there is any additional information or documentation you require to support my request, please let me know, and I will promptly provide it.

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 2023-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am requesting that these accounts be removed from my credit report as I did not receive enough information to verify the debt, and XXXX has already removed these accounts for the same reason. have made several attempts to obtain information about these accounts from the creditors, but they have failed to provide me with sufficient information to verify the debt. As a result, I am disputing the validity of these accounts and requesting their removal from my credit report. Please delete these following accounts on my credit report : 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 2023-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Aspen Yo LLC
State: NY

Complaint narrative:
I made two {$1100.00} ( total {$2200.00} ) in XXXX. This was to meet my XXXX obligation. These payments have not posted. I have bank confirmation that the payments were delivered. I called today to ask why my account had not been updated. I didnt catch the persons name who provided customer service. My wait time was 1 hour and 30 minutes before anyone bothered to pick up. She alleged I had not made payment in XXXX. She alleged I had a returned payment in XXXX. My payments have been on time or paid in advance since XX/XX/2008. This has been reflected in the monthly statements published by the mortgage company. So I questioned this persons competence. I believe my payments were improperly allocated. Theyre trying to hit me with a late fee and adversely affect my credit. The customer service person refused to let me speak with a supervisor. She alleged she was going to send me my payment history. She confirmed my email address and claimed she was going to email my payment history. It has not been received. She said any payment dispute I had must be submitted in writing. When I asked for her for her name and employee ID, I was put on hold while she spoke to a supervisor. When she came back, I was supposed to be transferred to a supervisor. I was transferred to a random answering service & eventually was disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
On XX/XX/2023 I Applied For A Navy Federal Credit Card And Got Denied.

Regardless Of The Reason For Denial, I Have A Right To Credit.

Withholding My Access To My Securities Is Securities Fraud.

Navy Federal Is Violating The Equal Credit Opportunity Act And The Consumer Credit Protection Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 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: IL

Complaint narrative:
I firmly insist on the removal of these misleading accounts from my credit report, as I never provided authorization for their use. It is essential that you swiftly erase this inaccurate account from my records.

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 2023-12-05 00:00:00
Product: Credit reporting 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: TN

Complaint narrative:
There are unauthorized unrecognizable inquiries, addresses, names, and social security numbers listed on my credit profile. I did not authorize any of the listed information. Please block and delete. Unauthorized names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The only name that is supposed to be on my credit profile is " XXXX XXXX '' any other name is misleading to other businesses when they legally inquire on my credit report. Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Social Security Numbers : XXXX XXXX XXXX XXXX The one and only social security number that is supposed to be on my credit profile is : XXXX Unauthorized Addresses : 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 2023-12-05 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I'm trying to buy another home and realized I have damages on my credit report. According to the 15 USC 1681 law, there should not be any damages to your credit, and is defamation of my character.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion has failed to send me proof/verification of the accounts that they are reporting to the credit agencies on my behalf. I have attempted to gain this info from TransUnion and they have failed to provide which is now a violation of my consumer rights under the FCRA. The accounts are as follows : 1. XXXX XXXX FOR THE AMOUNT OF {$1600.00} 2. XXXX XXXX FOR THE AMOUNT OF {$470.00} 3. XXXX FOR THE AMOUNT OF {$520.00} XXXX. XXXX XXXX FOR THE AMOUNT OF {$100.00}

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