vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2023 I received an email titled " security alert '' saying that someone used my Paypal account, and I have a balance to be paid. My PayPal account has been frozen for four years, as I am paying it off. The email came from ; XXXX. My social security identity has been stolen, I discovered recently. I don't know if this is related, but this is just an fyi. They are attempting to get me to pay for XXXX XXXX XXXX in the amount of XXXX. This may be an attempt to get me to open an attachment sent with the email.

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 2023-09-19 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




UNAUTHORIZED INQUIRIES : Experian XXXX USED A XX/XX/2022 XXXX XXXX  XX/XX/20XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 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 of 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 2023-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
In XX/XX/2023, I received an alert from my credit monitoring service that I have hit a milestone of paying off 20 % of my mortgage. I called my company and requested PMI to be removed and asked what I need to do to get this completed. They informed me that I still had more PMI until XXXX. Fine. Called in XXXX. Said again oh no got XXXX more payment. Fine. Call XXXX, told yes PMI is removed you are all set. Also chatted through online service. I keep tracking as my payment is due XX/XX/XXXX but nothing changes. From the second week of XXXX until XX/XX/XXXX I have called and chatted with some 7 times each person assuring me it is just a technical error, they told me my new payment amount and assured me that my account will be updated in 3-5 business days. They instructed me to make partial payment and submit the new amount due and the system would be fixed nothing will happen. I have now been charged a late fee and am worried that my credit will take a hit as they are not doing anything.

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 2023-09-19 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: CT

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX reported a delinquency to the credit bureaus which was incorrect. They wrote a letter to the with the steps they took to remedy, including requesting it be removed from the credit bureaus ( see attached ). XXXX XXXX Partners did what they were supposed to do, but the credit bureaus did not. 

Complaint : The credit bureaus did not update my information as directed by XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
On or around XX/XX/2023, I mailed the attached dispute letter to Chase. On XX/XX/2023, XXXX XXXX at Chase contacted me about the dispute. She said Chase required a second opinion letter on the jet ski. I told her, I had sold the Jet ski and that was impossible. XXXX said she had no mechanism to process my claim without me taking the jet ski to a dealer to get a second opinion. She noted her system would not allow the claim to move forward with that document. I asked her to note my objections and send me a written response. 

I don't believe the credit card company can unilaterally impose a requirement that I obtain a document that is impossible to obtain. I'm not aware of any requirement in the law. This appears to be an internal procedure created by Chase. 

At no point was I advised that I would need a second opinion letter when filing a dispute. I took pictures of the issue, have testified to the issue, and the merchant does not deny it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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. 
XXXX Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX, Account # XXXX. Account # XXXX has violated my rights.

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 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
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 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The term that is being reported is reporting inaccurately 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 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2023-09-19 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: VA

Complaint narrative:
In XX/XX/2023 I received a lump sum payment from my employer in the amount of {$3700.00}. That lump sum payment should have been applied to my payments for the next 12 months or the next IDR date, whichever is sooner. I called over 10 times and sent over 20 messages. However, my payment was NOT applied correctly. I am receiving form emails back saying " You spoke to someone on the phone. '' My payment was applied to interest/XXXX XXXX  when no bill was due. The lump sum payment covers more than 12 months ' worth of IDR payments toward PSLF. 

I need my lump sum payment to be applied correctly, as requested, to my payments without exception. 

Also, my payment amount was increased under XXXX which doesn't make sense as my income didn't change however no explanation can be provided and the two amounts for the separate portions of the loan do not add together. Finally, my IDR recertification date is not reflected correctly in the account as to what MOHELA states that it actually is. This should be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
Freedom Mortgage has ended my Forbearance and is moving forward with collections even though I have been approved and they have received payment from the HAF program. Freedom says they have to legally post notices on my door because I have an FHA loan. They have told me this twice but the HUD counselor says that is not true.They have posted this notice on my neighbors door 2 doors down by taping it to their front door with my name hand written and stamped confidential. I have told them the ACH wire number, date, and amount of the payment but they still deny receiving any payment. 

They have also sent me paperwork for loss mitigation ( that didn't need to be done XXXX of the HAF payment ) that has to be signed by the XXXX ( it is now the XXXX ) or I lose my ability to do any kind of partial equity claim. So I am stuck between them denying they have received payment, threatening me with collection notices, and giving me an ultimatum to sign these documents. 

Also by not bringing my account current I can not receive the help I have been promised for the next 2 months because my account is frozen in loss mitigation online and I can not print a mortgage statement showing that I am current and what the next payment amount is for the next month due. 

They have given me different information every time I call and I can not get any help.

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 2023-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2023 I received multiple wire deposits from XXXX in the amounts of {$15000.00}, {$30000.00}, {$7000.00}, {$3400.00} and {$7000.00}. My Finance currently resides part time in XXXX and part time with me in Florida.The funds were income from work he does in XXXX. He has dual XXXX XXXX XXXX  citizenship and is not currently on my accounts due to a pending divorce. I used part of the deposited funds {$39000.00} to purchase a vehicle for my Fianc by wire transfer from a car dealer in MA. Capital One called to verify the transaction and asked multiple questions, which I answered to the best of my knowledge at the time, given I was not at home in front of my computer. They thanked me and said the wire would be sent. I even received confirmation that it was initiated. I then attempted to make a purchase for {$510.00} with XXXX and it would not go through so I attempted to use my debit card for the purchase and it was declined. When I logged in to my accounts about an hour later, there was a message that said my accounts were locked with a number to call. The {$39000.00} wire had been taken from my balance but to date has not been received by the Auto dealership causing me to send them another {$40000.00} through another account or lose the vehicle.when I called the number, I was instructed to leave a voicemail and it could take up to 48hrs for them to respond. I finally received a call back and the woman was condescending and when I told her I needed to get the information she was asking for, she hung up on me. When I finally got through to some one else they told me I gave inconsistent answers and my accounts were closed and I would get a check for the funds mailed to me when they finished their investigation. I asked when that would be and was put on hold for 30 more minutes and when he returned his answer was- I dont know he said I would receive a letter or email of explanation in 3 days. It has been 5 days and I have received nothing. I cant speak to anyone because of the status of my accounts and when I was finally able to leave another message yesterday, I have not received a call back. Capital One is holding over {$21000.00} of MY money hostage along with a wire transfer. It has been 6 days and still I have no explanation in writing or indication when their investigation will be complete and my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
SYNCB/Home Design is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
This is the 3rd issue in 12 months. I mailed a check for payment on account on XX/XX/23 for {$50.00} and then on XX/XX/23 I mailed a check for {$140.00} for a charge incurred on XX/XX/23 well within the billing cycle. Neither check has cleared yet. Checks sent to other businesses sent on those dates have been received and cleared. XXXX checks have not been removed from the mailbox Previously checks have been received and cleared within 4 days. This is not the first issue with this company. I have had checks improperly recorded on amount and been charge service fees on payments made, recieved and recorded within 4 days within the billing cycle. These people should be investigated.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I received an invitation to apply for Wells Fargo Reflect card via USPS. On XX/XX/2023, I applied online using the specified website : wellsfargo.com/mynewcard and entered the reservation number provded in the invitation letter. On XX/XX/XXXX, I received two emails with conflicting information. At XXXX the first email from Wells Fargo stated that my application was denied, however in that same minute, XXXX, I rceived a second email from Wells Fargo stating that my application was pending and needed to verify some information. Not knowing what was happening, I scheduled an appointment for XX/XX/XXXX at the local WF bank. I met with XXXX and she was able to look up my account information and she told me that my application was denied.

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 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
Apple has released their new XXXX XXXX and as I typically do every year I went to pre-order it and finance with my Apple Card for 0 %. 

This year apple has instituted a new rule where they are requiring me to have cell phone service with one of the 3 " Major '' cell providers ( XXXX & XXXX, XXXX, or XXXX ) in order to finance it on the apple card. I use a XXXX XXXX, a smaller cell provider, and because of that Apple is not allowing me to finance this year 's XXXX on my existing apple card. 
My complaint is that my financial relationship with Apple / Goldman Saks for the Apple Card and my ability to purchase a phone directly from Apple to finance on their card should be agnostic to the provider I choose for my cell phone. Especially when the only 3 providers they are requiring are all much more expensive than my current provider. There are many customers in the US that rely on lower cost cell phone providers ( called MVNOs ) and use Apple 's 0 % financing to make the total monthly cost of cell phone bills ( cost of phone + cell service ) lower than larger carrier. 

I feel that Apple is now colluding with the larger cell phone providers in an effort to force customers to leave the lower cost providers and re-join the higher cost major providers. I'm not sure if the providers are pushing Apple towards this or if it Apple 's own decision but eitherway I believe it should not be permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
This account is from synchrony Lowes and belongs to my wife not me they confirmed this on the phone that I am no lo and authorize user and I said please tell me why you guys are putting this to my credit. They said they would need a copy of my Social Security card and drivers license. I will choose to give that to them and said this is the violation. Do you know Im not an authorized so please stop reporting to my credit report because youre in violation of 15 USC 1681 they have reported late payments, and a card. It is not belong to me. im asking please have them remove it from my credit report as is this is in violation of my rights as a consumer.

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 2023-09-19 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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