vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I NEVER had a mortgage with Nationstar Mortgage LLC. NOR did I have any debt collection on my mortgage. I was in forbearance due to covid with XXXX XXXX XXXX XXXX and that loan was paid in full in XX/XX/22. This has negatively affected my credit report and is fraudulent. If I could I would like to press charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NPAS, Inc.
State: NV

Complaint narrative:
Received XXXX XXXX treatment from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX XXXX XXXX on XX/XX/XXXX. We have XXXX XXXX XXXX  through XXXX ( primary ) and XXXX XXXX XXXX XXXX  ( secondary ). On XX/XX/XXXX I received a Statement from NPAS INC ( a third-party debt collection agency ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They service accounts for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX requesting payment of {$150.00}, I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she conducted a 3-way phone call with NPAS, they claimed it was for Co-pay. She explained that bill had been paid in full and due to dual coverage, no co-pay was due. NPAS was sending account for review. Then on XX/XX/XXXX received statement from NPAS attempting to collect {$4400.00}. Called NPAS again, had XXXX XXXX XXXX XXXX member rep on the call with me. She explained once again that bill was paid in full. NPAS again said account would be reviewed. Received another statement from NPAS on XX/XX/XXXX, for {$4400.00} called again with XXXX XXXX XXXX XXXX member rep on the line with the NPAS rep, again explained to them bill had been paid. Also sent e-mail with attached Explanation of Benefits to NPAS ' " XXXX ''. Received statement again from NPAS on XX/XX/XXXX requesting payment of {$4400.00} again. I am writing to you to attempt to get them off my back and stop the harassment!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian.com constantly asks me to validate my address by providing them my driver 's license and tons of information to even speak to me over the phone as a way to not handle a problem. I have emailed, mailed and uploaded sensitive information to them countless times and will not do it anymore. They use it as an excuse to not properly handle complaints and disputes and don't investigate the disputes properly. For example, XXXX sent me proof in writing they've notified all credit bureaus of updates to balances and payments yet Experian STILL has not fixed the problem even after filing a dispute which I can NEVER review online.

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 2022-03-11 00:00:00
Product: Credit card or prepaid 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I made a purchase using my Bank of American Credit Card back in XXXX of 2022. It was a purchase with XXXX XXXX. I immediately canceled the purchase, document the person name, the reference number, etc. My Bank gave me a credit of {$190.00} on my account ending in XXXX, Case number XXXX. The merchandise was returned to XXXX XXXX in XXXX, Florida, XXXX, on XX/XX/2022, at XXXX. 
Now the bank want me to continue to respond to the company, this is over a month later. I received the letter on XX/XX/2022 and have to respond by XX/XX/2022, which is not enough 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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monarch Recovery Holdings, Inc.
State: IN

Complaint narrative:
A place of harassment by the name of Monarch Recovery keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe Monarch/XXXX  XXXX XXXX ANYTHING and I am tired of the harassing calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Credit Karma, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX my card was hacked for a total of {$4600.00} i immediately contacted support and was told a case was opened and i would receive provisional credits on XXXX. And that the investigation would take around 30 days. On XXXX i was told my case was denied less than 24 hours before i was set to receive my money back. I called and was told they opened up an appeal and i would hear back in the next 10-15 days. Fast forward to the next day XXXX and i am completely logged out of my account with the message account deactivated with funds still left in the account with no way of accessing them. I have called multiple times since with no real answer and told to wait for an email from a specialty team. I am now completely without any of my money and unable to transfer the funds i did have in the account out to another account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I have received letters from Nationwide Credit Inc that I owe money. I got validation letters ready and post office was not able to send letters because address listed on the letters from Nationwide Credit Inc is not legit. I am unable to validate debt. I am also unable to communicate with Nationwide Credit Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MO

Complaint narrative:
On XX/XX/XXXX I submitted a complaint to Equifax citing a violation that they made against me against as such : n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX ( Equifax ), has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

However during the companies response on XX/XX/XXXX the company made no mention of my exact complaint nor their violation of my rights as stated above. 

Further failure to acknowledge their violation and my proposed solution within 14 days of this complaint will force me to escalate this problem with the CFPB, XXXX and the attorney generals office as well as but not limited to other legal actions available to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone opened an account with TD Bank in my name. I did not initiate the opening of an account ever with TD Bank. I have reached out to TD bank several times now and was told it was taken care of and it has not. 

I have now received a debit card, overdraft fees on an account that is fraudulent and been going in loops with the bank yet again today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
I received an alert from XXXX XXXX on XX/XX/22 about two inquiries. One was from XXXX XXXX and one was from XXXX XXXX. I contacted XXXX XXXX at XXXX XXXX and he said someone had submitted an application for auto financing online. The dealership is in IL and I am in TX, I did not apply for financing with them. He said he ran the application through XXXX XXXX as well. He canceled the application and advised me to dispute the inquiries. I disputed them and in less than 24 hours, I got a response from Equifax indicating the inquiries would be on my credit report for the next two years. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this XXXX XXXX is XXXX points lower than the others because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Credit card was paid off years ago and made sure to lock card online so no charges would go through. Citi is unable to explain to me what the " lock card '' feature actually does or the farud alert does for that matter. XXXX XXXX a red flag when a random charge for a service you do not have and never had appears on the LOCKED card. 

Called to file fraud dispute for unauthorized charge and they told me to contact the vendor while also charging me a late fee and reporting me late on my credit report. I tried to explain to them that not only does XXXX have a 0 fraud liability but regulation E has protections in it as well. They refused to even investigate.

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 2022-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Security Credit Services, LLC
State: IN

Complaint narrative:
A place of harassment by the name of XXXX XXXX keeps calling and threatening me about a bill from " XXXX ''. Often times when they call, no one says anything and then the line disconnects. For the record, I paid XXXX in full due to their disrespectful customer service reps. I don't owe XXXXSecurity Credit ServicesXXXX ANYTHING and I am tired of the harassing calls and mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
5th Request. Please be advised!! Ive sent in multiple dispute letters to XXXX XXXX and XXXX XXXX in reference to Southwest recovery account not belong to me being fraudulent. All disputes have been ignored. With the last complaint being sent in on XX/XX/XXXX and Southwest Recoverystated it was their first time hearing of this complaint which is lies please see attached FTC report from XXXX XXXX. Which is way over 45 days legally so now theyre saying theyre doing investigation again this is against the FCRA. Ive never done business or entered into a written contract with this business and I am requesting that they delete this fraudulent account from my credit file now today. I also have proof where letters were sent into the credit bureaus on XX/XX/XXXX to XX/XX/XXXX XX/XX/XXXX to XXXX XXXX so being that Southwest recovery is still investigating I will be called contacting my attorney and following a complaint with the attorney generals office

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
Deposited a {$13000.00} check to a checking account. The bank on the check confirmed the money cleared and they sent it to ally. They also confirmed with Ally the check was good. We transferred some of the check to pay bills and Ally cancelled the transfer, kicked the money back, locked the account, blocked access, and transferred the entire thing to lost prevention. 

The people in loss prevention are the most rude, obnoxious, disrespectful people I have EVER, EVER dealt with in ANY business. I've been an Ally customer for over 5 years and now. It's been over a month. 

I want my money and the interest we are missing out on each day Ally keeps it. I've spoke with and tried to work with Ally but employees refuse to transfer me to a supervisor to get some insight, to work on this issue, and file complaints. 

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 2022-03-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax continuously does not properly handle disputes nor do they update any of my information and payments and balances to reflect accurate data. They have not updated my XXXX account in over 3 months. 
Information needs to be updated! 

This is just one example as they never handle anything over the phone and they don't have any disputes I file. I've attached one example to show how they have not updated any payments made for 2022 yet I have made payments and the other credit bureaus have. 

My credit score for this Credit Company is 40 points lower than the others because of this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: UT

Complaint narrative:
My mother in law purchased 6 {$250.00} giftcards for XXXX. In XXXX I went to activate my card and check the balance, {$240.00} or the {$250.00} had been used to make purchases in California. I am located in Utah. 

I called the company that issued the card " Prepaidgiftbalance.com '' and spend 1 hour and 30 minutes on hold. The person I initially talked to " passed '' me to a second person - that took an additional 30 minutes on hold to speak to. So I held for 2 hours. 

This person took my information and promised to send an " arbitration form '' - and that it would be mailed the next day. I did receive the form but the form stated I had 10 days from the date on the letter to file a complaint or my complaint would become invalid. By the time I got the form, I had ONE DAY to send in. I completed the form, faxed and sent by certified mail and I have not recived a replacement card or any correspondence from XXXX. 

Looking on line, there are literally THOUSANDS of complaints against this company for fraud, so many that I am astounded they're still operating. I think US Bank actually is the owner of these cards, and I can not believe US Bank is okay with this. But I guess it's all about how much they make. In this case, US BANK has stolen {$1200.00} of my mother in laws money and made it almost impossible for any kind of recourse. 

My next point is if XXXX is legit, how did ALL 6 of the card my XXXX in XXXX bought all have fraud on them - I'll tell you why. Someone is leaking the card numbers to their friends who work at XXXX and other retail stores. This wasn't some random " your card was compromised '' this is theft. It's THEFT from US BANK and from 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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax credit services is reporting anan account that's over 7 years old and needs to be removed from my credit report the account number is XXXX acct name is XXXX. the account and the account history needs to be removed immediately it is past 7 years old as of XX/XX/2012 failure to do this will be against a fair accident I've tried for over a year now it is as of date 7 years old needs to be removed from my credit report the account and the account payments history.also they need to remove all my previous addresses which I sent them several letters and two which are not my addresses. I've screenshot of my credit report that I just pulled on my credit monitoring site I have documentation and paper trail of every letter I sent and credit report please see attached for addresses that need to be taken off and also what is appearing on my credit report and the date XXXXwhich is over 7 years old and needs to be removed immediately thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: NY

Complaint narrative:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
ORIGINAL COMPLAINT XXXX WELLS FARGO DID NOT PROVIDE AN ATTACHMENT EMAIL IT DIRECTLY TO 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
XXXX XXXX, 2020 Pending XXXX PAYMENT TO XXXX XXXX- {$93.00} XXXX account : XXXX XXXX, XXXX My Chase checking account was scammed {$93.00} to the fraudster. I realized immediately it after sending the money and tried to contact the Chase bank, by BOTH phone call AND secure message. The message received no instant reply, obviously. 

The scam happened on Saturday night and the Fraud department was 'out of business hour '. Although regular customer service is available on the next morning, they can do nothing about this. Was finally able to get in contact with the Fraud dept. in the early Monday morning. The representative talked in an indifferent tone and sounds reluctant to help. Requested to get the scammer 's bank information to investigate for myself, and was rejected. 

Couple of days received a canned response letter saying 'As we discussed and agreed, no action will be taken '. Well I never 'agreed ' on something like that. 

Money is no big deal ; at least Chase should report or help put the suspect under spotlight to prevent potential losses of other customers. But they replied 'no actions will be taken '. 

Been a Chase customer for years with regular direct deposit and tens of thousands of savings and lots of credit cards. And for the same kind of cases, I heard there WERE banks that were proactively reaching out to help and willing to compensate their customers. If you are looking for banks that really care about customers, look somewhere else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a deferment of XXXX and XXXX payments from Wells Fargo they agreed and sent me papers on XXXX XX/XX/XXXX. I filled out the papers and faxed them to the number in front of the paperwork the deadline was XXXX XX/XX/XXXX I faxed the paperwork and had receipt showing it was faxed on 1 XX/XX/XXXX and also at the branch. 9 days after I received a letter stating its denied because they did not receive the paperwork in time I showed proof and said this is the number I faxed it to Wells Fargo said we dont know that number I screenshot the fax number on the paperwork emailed it and they got quiet and passed me to 8 different places but they never wanted to see my paperwork

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