vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Called mortgage company for mortgage payoff. 
Sent payoff in and called customer service to notify me when received. Called everyday Called XX/XX/XXXX, they dont have check account is showing outstanding payment.Went to bank and check had cleared on XX/XX/XXXX. Called customer service put on hold, hung up on and dropped calls. Sent a copy of the cashed check and bank account was stamped on check. Resolution departments at mortgage company cant find check. Loss prevention at mortgage company cant find check. Started receiving letters from mortgage company stating that my account is outstanding! Sent everything to CEO showing they took funds two weeks ago. 

Two things I would do different one follow the check and verify everything. I did that called everyday found check. You still get the run around, notify the CEO as soon as you get no corporation. 
Pay the mortgage down to under {$100.00} dollars and then request a payoff. Very Important!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Greetings, I am The co-account holder. I am not completely sure what happened. It started with 2 issues. 1st I discovered checks missing. I contacted Navy Federal. I explained to them checks were missing. Please stop any prior checks and send us new ones. The next day I received an E-mail from XXXX stating, They were trying to secure my account, someone was trying to impersonate me. I immediately contacted them and secured my account. I immediately contacted Navy FederaI, I explained the situation about the missing checks. I asked for a flag be placed on our account. A few days later I tried to sign in our account, just to check. I was blocked. I tried signing in off my phone. I was blocked. I called. I gave them all the answers except the E-mail. The guy on the other end became irate, and asked again who I was. I explain the co- account holder. He said, There is no co-holder and hung up. A few days later I was told my sisters had broken into the account and took all the money, and changed the account. They have no Authority to do this. I need Help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
On XX/XX/2022 I checked my bank transactions. I noticed reoccurring payments to XXXX XXXX  which I do not use. I contacted my bank ( bank of America ) immediately and told them the charges were fraud and that there was pending charges that were not authorized or legitimate and asked they canceled them. They told me they wouldn't be able to do that since it was processing and they would need to investigate and contact the merchant. I stayed in contact with them and they opened a fraud investigation. today on XX/XX/2022 I received a message that the case had been closed and it was not found in my favor but was given instructions on how to appeal it. I then appealed it by sending pages of my side of the story and included the laws and regulations for consumer protections. I also contacted the merchant ( XXXX XXXX ) to see if they could dispute the transactions or give me details on who sent the money or received the money. They were unable to find any transactions or accounts with my personal information and told me that they couldn't help me because I did not have any accounts with them. I told them that they were able to use my money to transfer to people over XXXX XXXX and wanted them to try harder to see who the money went to or how. They told me it was fraud and to contact my bank. Which I did. And they insist it wasn't fraud and that I have XXXXXXXX XXXX since I have an XXXX  phone. It is completely ridiculous.

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 2022-12-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I do not know what debt they are talking about. 

The company is a profile recovery associates and they call from several different phone numbers everyday. 

Every time I answer it clicks and takes about XXXX seconds, before anyone says anything. 

The call are clearly automatically done. 
I receive anywhere from XXXX to XXXX calls a days from This company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
This is in regard to the settlement from the Equifax data breach, which I was a victim of I received an email from the Equifax settlement to redeem a " shopping card '' that equals the amount I am owed. I DO NOT WANT a shopping card. This is a ridiculous way to settle a claim and expect that we should accept it. 

I refuse to accept a shopping card that requires me to submit all kinds of personal information, and then will track any purchases I make. I should not have to accept this form of payment for a settlement. What if I want to put that money in my savings account??? 

They need to send a check for the amount Equifax owes me. I will not be forced to give away my mailing and contact information to a XXXX  party and agree to a long list of terms so they can use my data and track my purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
student loans on credit report without written 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 2022-12-21 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: OH

Complaint narrative:
student loans on credit report without written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: OH

Complaint narrative:
student loans on credit report without written 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 2022-12-21 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: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that do not belong to me.

I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of 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 non-monetary relief
Consumer complaint received 2022-12-21 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: AUTOMOTIVE CREDIT CORPORATION
State: NY

Complaint narrative:
Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me

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 2022-12-21 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: FL

Complaint narrative:
The accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.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 man 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. 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. I have listed the accounts that are negatively affecting my life below : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. And the cares act and FCRA state that creditors may not report adverse information that occurred during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
About a year ago, I opened up an account for my small business And I noticed that transactions were being made in the account without my permission, and I try to open a personal account report it and they just closed my account without my knowledge and refused to let me report the wrong doings and refused my request for account statements I immediately went to the local branch in XXXX  XXXX California and was not only treated horrible but then I was lied to. ABout the status of my account but was. Also refused service or explanation btw Im talking about chase and J.P. morgan a similar thing happen to me with my XXXX XXXX account as well but Ill wait to explain more when contacted I feel I have been bullied out of my accounts by these establishment and corrupt employees please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I need have my monthly statements sent on time. I receive my mortgage statement on the XXXX of every month. That doesn't give me enough time to send the payment by the XXXX of each month. If my payment is not applied by the XXXX of each month, I'm charged a penalty and it will show on my credit report. The only method of payment I've been using is writing a check and mailing it. That's the best way for me to keep track when the check is cashed. I don't trust having the amount drafted out of my account. 

Also I need to modify my loan. I have a balloon note that will be due in 2028.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX has received a payment in the form of a credit for the amount of {$2800.00} on XX/XX/2022. This payment was verified and credited to the account. I requested that the payment be applied as a normal payment. XXXX XXXX has refused to apply the payment to both the principal and interest balances and will not code the credit as a payment to the account. XXXX XXXX has fraudulently reported an incorrect late payment after receiving a payment.

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 2022-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
IN accordance with the Fair Credit Reporting act 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXXXXXX Filed on XX/XX/2016 Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXXXXXXAccount number XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX Account 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 2022-12-21 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: CA

Complaint narrative:
IN accordance with the Fair Credit Reporting act 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, also states a consumer reporting agency can not furnish an account without my written instructions. 

Please refer to companies and account number below. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-12-21 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I called Equifax yesterday about the concerns about why my score has not been reported to credit karma. So I got in contact with credit karma they stated that Equifex wasnt report my score to them, they havent update my Equifax score to the company. So when I called Equifax fax they give me a lame XXXX excuse saying they are reporting my score every month. I told the bureau that credit karma stated the last report was XX/XX/2022 they sit own the phone lie in my face! Which I have proof they never updated nothing!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
On XX/XX/2022 my brother and I was extended credit by Wells Fargo auto and we signed a fraudulent auto loan contract at XXXX XXXX XXXX. At the time we weren't aware of the fact that the contract was a fraud due to the fact of them willfully and purposely withholding information for the purpose of their self benefit and gain. Wells fargo auto/ XXXX XXXX XXXX failed to disclose to us the finance charge inconspicuously. They never even mentioned a finance charge to either of us as they rushed us through the contract to sign and keep signing. This Violates the Truth in Lending act along with a line of many different criminal charges. As soon as we were aware of this which was two years later in XXXX we immediately sent them a Notice of Rescission of Signature/ Notice of fraud on XX/XX/2022 where we explained to them what happened and that they needed to resolve this matter. 15 U.S. Code 1605 Determination of finance charge states that in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss meaning that they were responsible to cover the total amount of the Auto insurance premium for the entire life of the contract. Instead they made us responsible to cover the cars insurance separately. This is illegal and fraud. 

They also failed to disclose the right to rescind via mail/ email. 12 CFR 226.15 - Right of rescission sec ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a creditor shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ).

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 2022-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I would like to submit a complaint. I am also aware that capital one may retaliate by closing my account for whatever random reason that they choose to select because of this complaint. I have 2 capital one cards 1 with Walmart and one regular capital one card. My payments are due on the XXXX of each month. I made both payments at the same time XX/XX/22. Walmart card was charged a {$28.00} late fee and my regular capital one card was not. I called and spoke with a supervisor and was told it was because I made my payment after XXXX XXXX. I do not show this stated anywhere in your payment policy. It shouldnt matter if I make my payment at XXXX on the XXXX as long as I make it on the XXXX it should apply. 
Supervisor I spoke with was XXXX XXXX she placed me on hold 3 times for XXXX minutes supposedly looking for a resolution all to get back on the phone to tell me there is nothing she could do. I also made XXXX Extra payments in XXXX to get me a month ahead to prevent late fees because I have XXXX jobs and I forget while you guys are Late fee HAPPY and I STILL ended up with one. 
When it is my Error I will pay my late fee like ive done in the past. THIS IS NOT MY ERROR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-21 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
My information is supposed to be private and this comoany violated my consumer rights and FDCP laws 15. U.S.C. 1681 section 604A- Consumer can not furnish an account without my written permission 15. U.S.C. 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15. U.S.C. 1681 Section 602A- I have the right to privacy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation