vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
Previous complaint XXXX CFPB says it sent information to Federal trade commission XXXX XXXX enforcement, XX/XX/2022. I have not received any more information about my complaint. What should I do Now, What is the best way to contact FTC. THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: NY

Complaint narrative:
I paid my balance on my DISCOVER credit card in FULL on XX/XX/2022 which was {$530.00}. I called DISCOVER to make sure that they received the payment and I was told that the amount should take about 2-3 business days to post and then I would be able to use my card. I called DISCOVER back on XXXX XXXX to check on my available account balance because my card declined after the payment had been processed from my checking account in my regular bank, XXXX XXXX XXXXXXXX XXXX The agent told me that there was a verification that needed to be done and she did it over the phone and said that I was all set and could use my card now because there was a hold because of the verification and now the hold has been lifted and I'm all clear. However, when I tried using my card on XXXX XXXX, it was declined again. Ever since then I have called DISCOVER 2-3 times and either the call does not go through or the agent or manager tells me to wait for the hold to be lifted. This has never happened before to me, on the same day I paid off my XXXX XXXX card in full, they gave me the available balance within the course of 2-3 business days and I was able to use my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IL

Complaint narrative:
On XX/XX/2022 I received letter from city treasurer stating that property taxes have not been paid for the year on my home. I called loan company and gave information and copy of letter to address it. Also contact city treasurer office where inform again they have not made payments. So I looked on line for my mortgage account and notice they have wrong address for my home. As of today no one has contacted me issue been resolved.

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 2022-09-26 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: GA

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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 2022-09-26 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: GA

Complaint narrative:
XXXX XXXX ACCOUNT # XXXX {$14000.00} DATE OPENED XX/XX/XXXX XXXXXXXX XXXX ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX  ACCOUNT # XXXX {$3100.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX ACCOUNT # XXXX {$33000.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$2500.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX # XXXX {$260.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX {$3300.00} DATE OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX # XXXX {$1500.00} DATE OPENED XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My son went to eat dinner at a restaurant called XXXX XXXX on XXXX. Thats where he used the debit card to pay the bill and the numbers were stolen from the card. on XXXX there were several charges for XXXX for the amounts of XXXX, XXXX, XXXX, XXXX. On XXXX They had a charge for XXXX for the amount of XXXX. Well i reported the fraudulent charges to the bank ( Capital One ). they said they were to investigate it and we would be notified of a decision. I also cancelled the debit card on XXXX the day that i saw the charges on the account but couldn't file a claim until the charges posted to the account. I also reached out to the restaurant because that was the only place he had used the debit card at. from there i was put in touch with there corporate office, The girl that works there said after review of the camera 's she said that she seen where the numbers were taken down and by who. She said it was a girl named XXXX, also some guy and she wasn't sure if the server was in on it to. Upon further investigation they were all fired from the restaurant. The bank denied the claim! I went on vacation out of the country for 2 weeks so when i returned i called to check on it. I was informed that it was denied, I asked how was it denied and thats what they said. I argued the point. So they said they would open another investigation. well that was on XXXX. I called today on XXXX they r telling me that it could take up till XXXX of XXXX to make a decision. Well they have never replaced the $ that we claim was fraud! This is not right. Now we are out $ XXXX.That is more that my son makes in a week. Times are hard I have given them all the evidence to prove that this was fraud!! phone numbers and all. Something needs to be done!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I made a mobile deposit for {$1400.00}. I had access to {$460.00} and the remaining {$1000.00} would be made accessible 7 days later. On XX/XX/XXXX Wells Fargo charged me {$100.00} worth of overdraft fees ( 3 x {$35.00} ) then again on XX/XX/XXXX, and two on XX/XX/XXXX all for {$35.00}. I called Wells Fargo on XX/XX/XXXX and they told me there was nothing they could do. I would not have overdrafted if they didn't hold 2/3rds of my paycheck. Half of the time, Wells Fargo would have just rejected payment for the fees as they are scheduled bill transactions. I thought I set up so that the transactions would have been declined not paid and overdraft fees initiated.

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 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX XXXX  # XXXX {$1000.00} XX/XX/2020 XXXX XXXX XXXX  # XXXX {$400.00} XX/XX/2020 THE FOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
XX/XX/2021 i sent a complaint to CAINE & WEINER through the consumer financial protection bureau along with a cease and desist notice. CAINE & WEINER have defaulted on providing the proper validation of this alleged debt yet continue to pursue collection. They failed to comply with the fdcpa and are now civilly liable to me. i have attached a notice of default and affidavit along with an invoice for all damages incurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I was transferring money to a friend via Venmo. I mistakenly selected someone with the same name. During the transaction, a security feature appeared asking for the last four digits of my friends cellphone number. Upon submitting this number, the transaction was complete and the payment went through to the wrong person. Obviously, Venmos security feature does not work. I was at the mercy of a complete stranger to return my funds, which they did. 

The false sense of security Venmo gives is very concerning.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There are inaccurate 30 day late payments being reported on my credit report on an account that has been closed for over a year. I have tried to get the creditor and the credit bureau to fix this, but neither of them will fix it. This is causing my credit scores to go down drastically and it's not right. I sent Transunion a letter disputing this on XX/XX/XXXX and they have yet to correct, delete or respond. They violated the FCRA by failing to conduct a proper investigation and knowingly reporting inaccurate 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 non-monetary relief
Consumer complaint received 2022-09-26 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 — Card was charged for something you did not purchase with the card
Company: PNC Bank N.A.
State: TX

Complaint narrative:
On XXXX an unauthorized charge for {$120.00} was placed on my account. I had already reported the card compromised after a {$1.00} charge had appeared days before. 

I awaited the replacement card and then closed the account. 

After this, I received a notice about this other charge. 

Both the charges cam from XXXX XXXX, where I have never visited. They were from an XXXX station. I remember receiving a charge more than a year before for {$150.00} from the same location, which was disputed as fraud. 

There are no email addresses by which I can get a documented response from this bank. I had originally open the account as BBVA Bank, and was told it was bought by PNC. 

I am getting no confirmation that I reported the fraud, nor that I closed the account. They refuse to send me a credit notice for any of this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 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: TX

Complaint narrative:
Submitted dispute regarding Public Record XX/XX/2022. Provided letter from XXXX XXXX verifying information was deleted and submitted to bureau. Bureaus continues disregarding FCRA by verifying information properly and violating Privacy Act laws. 

Called company XXXX XX/XX/2022. Was informed by employee that bureau did not use the letter from XXXX XXXX because it was only 1 page and not all 12 pages. Employee also informed my I should contact Court of Record for information. I informed the employee bureau is responsible for validating information. 

Documentation mailed to Bureau XXXX XX/XX/2022.

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 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I opened credit card account with BMO Harris bank in beginning of XXXX XXXX interface of that credit card site is very complicated and not easy to monitor your activity. 
As of today, XXXX my current balance that BMO want to take from me is {$1200.00}. 
But money that I ACTUALLY spend by using that card is {$1100.00}. 
Simple math based on posted amounts on BMO Harris bank gives {$1100.00}. 
This company fraudulently increases money that credit card customer owe to them. 
Please stop them to steal my money and force them to post actual usage.

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 2022-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
The original collector was XXXX XXXX. The debt collection company name is RentDebt Automated COL. In XX/XX/2021, I paid the full balance. This account is closed and paid off. This is effecting my credit report and also effecting my ability to get business funding. This information reporting to my credit report is incorrect and not accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I attempted to update the information and addresses on my credit report. However, I was blocked by each of the credit bureaus. When I called to update my report via telephone, I was informed by the bureau representative that Barclays XXXX and XXXX  are the reason. They reporting a status of charge off each month and then closing the account. This is why I am not able to dispute the incorrect post office address portraying as a residential address that is currently in someone else 's possession.

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 2022-09-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
During the night of XX/XX/XXXX somebody took control of a dormant XXXX account and ordered {$64.00} using a " payment agreement '' connecting that account to PayPal. The existence of this agreement with PayPal was not properly disclosed to me by PayPal. 

I was in XXXX at the time ( returned the next day, boarding pass available upon request and sent to XXXX ). 

PayPal summarily dismissed my case. Saying that it met my prior purchase patterns. Not true, I may have ordered 4 times total from XXXX since 2017, when this payment agreement was supposedly established. I also complained to XXXX and said they will investigate. 

My complaint is against Paypal for two reasons : 1. Not properly disclosing existing, old payments agreements that are a real danger like in this case, and 2. For not properly investigating when they claim they offer " fraud protection ''. I haven't used XXXX in years, and suddenly a charge appears and within minutes the hacker tries to take control of my XXXX account by changing the email ( I fortunately immediately catched that and cancelled my XXXX account ). PayPal 's fraud protection claim is misleading advertising.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
I have been trying to do a modification with Selene Finance. The modification started at my previous bank, because of the reduction of income during the pandemic in XXXX, but my bank sold the loan to Selene. However, this bank has been really inconsistent dealing with the paper work. One agent said, " Yes, I have all of your documents, '' the other one said, " No it's incomplete. '' I have used different methods to send this paper work, one of them via email, and they said some papers were not legible, and then I used Priority Mail which apparently they said, yes they received it, others said no. I have noticed that they are not helping me, but are doing things to deceive me. Then I asked for a repayment plan and one of the agents gave me the quote to pay 7 payments, plus monthly payments for 6 months. I agreed and they gave me 24 to 48 hours to make I the payment. I did it, before the 24 hours were up. Then I decided to call the bank, and two of the agents said that the person I had spoken to was not entitled to that decision, she needed a XXXX 's approval. The next agent gave me an XXXX number, and an account number and the payment was returned, I sent it by a wire transfer and they returned it back to me. After that, I was really upset and called the bank, they said that I needed to make 12 payments instead of 7. Today I called the bank again, two days later, and now they're saying they need the 14 payments. They sent the new modification papers but I am afraid they will just initiate foreclosure. Right now, I am willing to make 12 payments to my account, however, I am afraid this won't work either because of the inconsistent communication. I have read reviews from this bank, and to my surprise, they have horrible reviews and horror stories of families who have been affected by their lack of credibility and customer service. Please, help me with this situation because I feel this bank is not taking me seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BMO BANK NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have credit card account with BMO Harris bank. 
My payment due was XX/XX/XXXX, this year and I paid in time. 
But when I checked my account online at XX/XX/XXXX, I did not see any payments but saw late payment fee of {$25.00} posted at XX/XX/XXXX. It was on the middle of the day, day was not ended but company tried to steal my money in advance. Beside that they made report to credit company ant it decreased my credit score. 
Please set an investigation about so called practice of this company and take the license from them away. And I want to be compensated for affected score. Money was paid in time I have proof and screenshots.

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 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX  # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-26 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: FL

Complaint narrative:
XXXX XXXX # XXXX {$88.00} XX/XX/XXXX XXXX XXXX # XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX XXXX # XXXX {$720.00} XX/XX/XXXX THEFOLLOWING ACCOUNTS ARE REPORTING INCORRECTLY

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