vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/XXXX, XXXX I received a call from regions to dispute some fraudulent charges that were supposedly happening on my personal account- what i didn't know was that this was a very organized and planned cyber attack on me. These people knew everything about me- they hacked into my regions online banking and had access to it all- i was unaware until later that evening. They had fraudulently set up XXXX wire transfers from my business account totaling XXXX $!!! Never in my life have I ever wired money out of any of my accounts with Regions!! This was a blatant act of fraud on the deepest level and I have been a loyal customer for XXXX  years. I was duped, possibly an inside job, I don't know but they hacked my email as well- I called regions and soon figured out what had happened- I told them to stop the transfer that it was unauthorized but they said they couldn't because it was pending. that I had to go file a fraud complaint with an open branch- so I did that on XXXX  XXXX. The fraud department received this on XXXX  morning because they are closed on the weekends. I told them what happened sent them all the info that I had on my phone. They returned XXXX of my money about XXXX days later but will not return the other XXXX. On XXXX I received a letter saying that they would not return my money. This is unacceptable!! I have been in business for XXXX  years and been saving this money just to have it gone in a flash - all my hard XXXX XXXX XXXX asking you to make regions make this right... please!!

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 2023-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.

Complaint narrative:
I took out my student loan for my graduate studies ( XXXX ). Please see attached document for the payments, amount applied to loan and amount applied to interest with dates. 

My parents helped be a large portion of my loan payments throughout the years as I did my Masters ( XXXX ) and Ph.D. ( XXXX ). The loan was transferred to First Mark Services on XX/XX/2021. 

The amount we have paid on interest is incredibly high compared to the price on my loan, which is very unfair given that I was a student for many years throughout that period, the pandemic, family illness, and recent death and economic hardship has effected this too. I was consistently given the advice to request forbearance/deferment as the only possible options, which I did because it was the best given my economic/personal situation. Even recently, the only option I had was to commit to a high monthly payment in the future. 

Recently, I requested First Mark Services to send over the document I have attached to this complaint and I calculate that I have paid more in interest on the actual loan. In fact, the amount I have paid in interest accumulates to a large portion of the original loan itself. Something that is very unfair, confusing, and should be an illegal practice especially on education.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCF Intermediate Holdings LLC
State: DE

Complaint narrative:
After reviewing my credit report, I noticed that your company reported my account 30 days late. I have never received a statement for this account therefore any late payments reported are invalid. I attempted to login online to make a payment on my account and there was no option to pay. How can I be reported late if not given the opportunity to pay? Please see the attached letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX 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.it also states a consumer reporting agency can not furnish an account without my written instructions Im accordance with the Fair Credit Reporting Act XXXX XXXX account #  XXXX 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.it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c-2 ] XXXX XXXX XXXX # XXXX  ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft

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 2023-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: DC

Complaint narrative:
XXXX XXXX : I sent a paper check to my mortgage servicer, Mr.Cooper on XX/XX/2023, with delivery expected by XX/XX/2023. 

The check arrived at Mr. Cooper on XX/XX/2023. 

I called Mr. Cooper to understand the status of my payment on XX/XX/2023. I was told that by the agent that they had not received it yet and at this point I was advised to put a stop payment request on the check sent on XX/XX/2023. 

Mr. Cooper then attempted to cash this check on XX/XX/2023. For 8 days the check sat unprocessed by Mr. Cooper. That check was returned NSF as I was told to put stop payment and send a new check ( I was notified of the NSF on XX/XX/2023 ). 

I sent a new check on XX/XX/2023, with expected delivery of XX/XX/2023. Mr. Cooper has still not processed this check as of XX/XX/2023 and has since marked my account as past due. 

My XXXX payment was sent on XX/XX/2023, and has still not yet been cashed by Mr. Cooper. 

Due to Mr. Cooper 's delays in processing my checks, they have placed my account in Overdue status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting the reporting of the information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transaction. The identified transactions are not information related to any transaction by me as the consumer : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
My Account was closed down in XXXX XXXX XXXX  due to Chime just randomly closing it and no warning. I never received my funds ( a check ) that was suppose to be mailed to me. I have lived in the same home so not because I moved. I keep getting a run around oh we can't do this over the phone we will send a ticket and email you. Oh we can't discuss this with you in an email please call us. Back and forth. What really XXXX me off is that I get the run around on my money but ya 'll still report my account is open to all three Credit Report companies. Oh and on XXXX XXXX XXXX  I get an email saying mobile check deposits policy will be changing. Neither of those should be happening. But ya 'll don't have my money. I had money in my checking and savings account. Also on that stupid credit card of y'alls also. Let me guess because your a big company and I don't have the money to, ya 'll can just do this and no one will know.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Delete Entire Account Due to Confirmed Fraud, Fraud Investigation Completed, Delete Account from Bureau Due to Fraud, Affidavit Declared Contract Void XXXX XXXX and Have Been Confirmed as Fraudulent Item Blocked, Cease and Desist Reporting this Account Item of Information Because it is Unknown, Inaccurate, and Unverified Due to Negligently Violated 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681b ( 2 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1681o ( a ), 15 USC 1681n ( a ), 15 USC 1681i ( a ), 15 USC 1681g ( 2 ) ( E ), and 15 USC 1681e ( b ). I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX I was contacted on XXXX from a girl named XXXX XXXX. Her message said the following : Hi, do you happen to have your student loans thru Wells Fargo? I am asking because they sent me paperwork with your information on it and wanted you to be aware of that ... .you may want to call them and check in. I checked this message on XX/XX/XXXX @ XXXX because I dont keep up with my messages on XXXX XXXX I responded back last night and said XXXX, thanks for the heads up! That is very odd. I called Wells Fargo this morning and they said the last communication they had with me was on XX/XX/XXXX about receiving a XXXX XXXX Payoff amount. After doing some research on the individual, I did not think this was a fraud or a scam because she had pictures of her wedding and her mother/brother etc was commenting on everything. I asked how she received this paperwork and she said that she asked Wells Fargo for a Payoff quote and they sent my loan payoff quote information to her email address. I did not ask for her email address or any other information. I have contacted XXXX XXXX, my new student loan refinance and have changed all my passwords on my account. I am entering this claim because Wells Fargo has gone past their privacy policy and shared my information with another individual who had to message me on XXXX about it. I am not happy with the service I received and they have done nothing to make me feel that I am protected along with my personal information.

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 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I took out XXXX separate cash advances in the amount of {$380.00} each with my Capital One credit card. The first one was on XX/XX/2022 and the second on XX/XX/2022. At the time, I didnt carry a balance and there were only a few recent purchases I completed during the same time period. The interest rate for cash advances and purchases were the same, XXXX %. I have made more than my monthly payment amount to the point where my cash advances should be paid off. Currently, I have a {$2100.00} balance including cash advances and purchases. When I called Capital One on XX/XX/2022, they told me since the interest rate is the same, my payments go to purchases first. So in order to pay off my cash advances and stop incurring extra interest every month for those, I have to completely pay off my balance. He said even if I purchase something today, my payments would go to that before the cash advances. That is not made clear in the contract. It is unethical for Capital One to not pay off the cash advances first, as they were incurred first. Its unethical for Capital One to keep charging me extra interest when the cash advances should have been paid off. Im sure they give many people the same interest rate for cash advances and purchases to get around the law and get extra money from people. Please fix this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: OH

Complaint narrative:
After my wife and I were living at the XXXX XXXX for over a year, we informed the XXXX XXXX Staff by phone and a hand-written letter we are buying a house and gave them the proper notice required in the lease. 

Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ohio XXXX Sidenote : We have always paid our bills on-time and never had any record of debt owed for living expenses, utilities or other items, etc. 

During the week we moved out, we paid rent through the end of that month, and also moved out XXXX weeks earlier in the month than expected into our new home giving XXXX  XXXX XXXX weeks extra grace period while they had a clean / vacant apartment ready to be filled. XXXX XXXX then leased the apartment unit we were occupying to a new tenant within that XXXX-week period as they had adequate people on the waiting list to fill it. XXXX XXXX proceeded to file collections against us and attempted to collect double-rent on the unit for the next month- which is technically illegal according to Ohio law . 

We returned the keys and had the apartment professionally cleaned as well. We took pictures to show there were no damages, etc. XXXX XXXX staff contacted us shortly after stating we did not give them proper notice and we still owe them for XXXX more month of rent. XXXX XXXX kept our security deposit as well, which we should have received back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6O4A Section 2 it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OPORTUN FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been trying to pay my Oportun credit card bill for months. I was in rehab and my sister tried to pay it online for me so that I would not incur any late fees or charges. The website would not allow her to make a payment when she clicked on the pay now link, it did nothing. I was also unable to get statements online. She called on my behalf trying to pay as well many times and they would not allow her to make a payment on my account even though she provided all of my information. I was unable to give permission as I had limited phone access. I recently got out of rehab and tried to call and pay and because i didnt have my phyical card and XXXX digit account number they would not allow me to make a payment even though i was able to provide all my other information. I then requested a new card as they suggested. The following day i received a letter in the mail stating my debt had been sold to a collections company. 

I have tried to pay many many times. They did not seem to want my money. Also, it seems that the call center is outsourced as all of the people i spoke to were foreign and i could not understand their heavy accents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Continuation of compliant # XXXX I am submitting further documentation of being forced out /under duress of my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because Wells Fargo refused to take the grant allotted to me in an Obama Program granted from the state of MD for {$50000.00}. They fought me three times in court and did not have documentation enough to win the cases. The judge threw it out. Shortly thereafter I was diagnosed with XXXX XXXXXXXX. This was shared with the person they had pursue, harrass, call and follow me to do a short sale in lieu of them throwing me in the street. The salesman met me in person and told me i should take the {$6000.00} and be glad i got that instead of being thrown out. My daughter was in the house taking care of me at the time. She had XXXX children. He threw her out as well and ended up in a shelter. XXXX years later I had to contact the saleman so he could verify my story. He did and he said that he remembered me. He had the nerved to tell me the people who moved in my house completed some things i started and asked me if i wanted to see how it looked. That was painful. He was laughing in my face while i was sick weight XXXX XXXX, XXXX, children in a shelter. This is what Wells Fargo has a history of doing to XXXX Americans- this did not just start.

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 2023-02-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
Equifax is mailing correspondence and credit report and dispute results to the wrong addressee. The name of the Equifax mail does not match the name of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: Driveway Finance Corporation
State: NV

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 6048 section 2 states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666 B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My company, XXXX XXXX XXXX XXXX XXXX XXXX  has banked with Wells Fargo XXXX XXXX. On XX/XX/XXXX we mailed a check for {$5500.00} to our vendor, XXXX XXXX, XXXX, who banks with XXXX. On XX/XX/XXXX I received a telephone call from XXXX XXXX, relaying that he received a call from XXXX XXXX XXXXXXXX saying the above check had been fraudulently deposited into a XXXX XXXX XXXX account. 
I logged into our account and found that the check had been paid by Wells Fargo on XX/XX/XXXX. I immediately called Wells Fargo XXXX Department, who transferred me to the Small Business Dept. They sent me, via Secure Document Registration, a copy of the check, which showed the check had been fraudulantly endorsed and deposited into a XXXX  account by XXXX XXXX. I opened Claim number XXXX, which now is referenced claim XXXX, and my notes from that conversation are that Wells Fargo advised to make a police report and said it would take 10 days to resolve. 
Based on this promise, I wrote XXXX XXXX a replacement check, which he cashed without incident. 
I also filed a Police Report # XXXX on XX/XX/XXXX with the XXXX XXXX XXXX. 
On XX/XX/XXXX, and again on XX/XX/XXXX, having not been made whole in 10 days, I contacted my local Wells Fargo XXXX XXXX XXXX XXXX XXXX ) to inquire what was going on. XXXX XXXX, of that branch, talked to someone at Wells Fargo, who said I had been mailed an affidavit, which I neve received. Finally, on XXXX XXXX, I asked XXXX XXXX to print the affidavit. I completed it in her office, XXXX XXXX notarized it and uploaded it to Wells Fargo while I was there. 
On XX/XX/XXXX, I contacted Wells Fargo and they informed me that Wells Fargo had 100 days to resolve this. XXXX XXXX also had to sign and notarize the form, which he immediately did and I forwarded to XXXX XXXX. 
It is now XX/XX/XXXX, 67 days after my original complaint and my local branch is no longer answering my email inquiries about this. I have been made aware by a Detective from XXXX XXXX, that for a long established customer, such as myself, that standard procedure would have been to provide provisional credit in the fraudulently stolen amount of the check while they investigated, which should have been realistically be completed in 10 days, per the original conversation. He also advised me to file this 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 monetary relief
Consumer complaint received 2023-02-06 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: NJ

Complaint narrative:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX XXXX  XXXX I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation