vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
XX/XX/XXXX - I mailed check # XXXX in the amount of {$50000.00} mailed to Mr. Cooper for the current balance on Loan Number : # XXXX XX/XX/XXXX - Check was confirmed received by Mr. Cooper XX/XX/XXXX thru XX/XX/XXXX - Made innumerable contacts with Mr. Cooper through phone calls, emails, and Mr. Cooper web site messaging asking the check be applied C ; responses from Mr. Cooper were auto responses that did not address the complaint as well as phone calls with many employees having to repeat the complaint on numerous occasions ; received collection calls from Mr Cooper representatives XX/XX/XXXX - received the original check issued on XX/XX/XXXX ( check # XXXX - {$50000.00} ) returned to us - see attached letter from Mr. Cooper XX/XX/XXXX - week of XX/XX/XXXX I mailed new check in the amount of {$42000.00} to Mr. Cooper to be applied to {$42000.00} - note : payment was for 89 % of balance to avoid having to send a certified check XXXX/XXXX/XXXX - Payment of {$42000.00} applied to loan - XX/XX/XXXX - received payoff off quote of {$6900.00} and completed XXXX bank transfer for {$6900.00} plus a {$20.00} wire fee - see attached XX/XX/XXXX - Received letter in the mail from Mr. Cooper - Satisfaction of Mortgage XX/XX/XXXX - received refund check from Mr. Cooper for balance of escrow funds at the time the loan was paid off XX/XX/XXXX - XXXX collections phone call Mr Cooper XXXX XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX - XXXX collections phone call Mr Cooper Loans XX/XX/XXXX XXXX XXXX collections phone call Mr Cooper Loans Summary of XXXX : Since XX/XX/XXXX - we have made in innumerable attempts to pay off our mortgage with Mr. Cooper - includes mailing x2 check and completing a wire transfer. Mr. Cooper has returned both checks, accepted the wire transfer and issued a satisfaction of mortgage on the property. It should be noted that in addition to sending us a copy of the satisfaction of the mortgage- the also mailed XXXX XXXX, MN a copy of the satisfaction of Mortgage. 

Now, Mr. Cooper is claiming the mortgage is not satisfied and in fact has initiated collection procedures against us. 

This has caused extreme hardship on my spouse and me- completely unwarranted and unnecessary. 

Any attempts to address this issue ( s ) with Mr. Cooper has resulted in auto responses, many phone calls with Mr. Cooper representatives that can not solve the issue and extortionary delays in speaking to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Im not sure how this person got ahold of my debit card but I received a text message from my bank wanting to verify a transaction, I call navy federal and explain that I am at home Im not using my card. Upon looking for my card while in the phone with a Navy federal representative the person was still using my card. The representative told me that she would block the card so the person would not be able to use it. I eventually started driving to the stores where my card was alerting me it was used. A cashier at the XXXX XXXX on XXXX XXXX provided me with a description of the person using my card. I spotted the person and followed her to XXXX XXXX XXXX  2 mins away on XXXX XXXX XXXX XXXX. I was able to get picture of the person and also take pictures of the license plate of the car she was driving. The charges total out to {$620.00}! I submitted a fraudulent ticket to Navy Federal and received a provisional credit, on XX/XX/XXXX I received a notification that the charge was not fraud, and the provisional credit will be reversed. I work very hard for my money, Navy federal is notorious for this behavior. As I explained to the rep, the card was still being used even after I canceled the card I get emails that that card was being declined. Im not sure how they conduct their investigations but they would have seen the pattern that this lady was using my card in stores where she didnt need a pin. And the 2 other stores she tried to use it at declined it because she didnt have a pin. I spoke to them directly. I have a police report with her pictures and her car pictures attached. This is very unfortunate that this is how navy federal treats their customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Key 2 Recovery, Inc.
State: OH

Complaint narrative:
I checked my credit report and noticed a collection from Key 2 Recovery in the amount of {$5600.00} that I didn't authorize. I am not liable for this debt with XXXX University, I do not have any contracts with Key 2 Recovery, they did not provide me with the original contract as I requested

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to require credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court order The following credit inquiries are related to none of the aforementioned permissible * NAVY FCU XXXX XXXX / XXXX * XXXX XXXX  XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
XXXX internet in Texas. 
After cancelling the service, they refund any balance ( {$50.00} ) in the form of a XXXX XXXX card. The card expired after 6 months ( XX/XX/year> ) This practice should not be allowed, just send me a check. 

The paper work says that if the card was never activated then I can call up to 5 years to request a replacement. 
The card is managed by North Lane Technologies and they provide a phone number XXXX. 

However the system is not recognizing the card # and the phone system is completely automated and there is no way to speak to an actual person. 
So I'm stuck and they still have my {$50.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Hi, I had a XXXX membership that I had been paying for through my job. I had the cancel anytime with no fee membership with XXXX XXXX, which I intentionally pay for more each month. I spoke with XXXX I believe their name was at the XXXX location around XXXX of XXXX  and was under the impression that it was cancelled. Therefore I have no proof, something it seems might be intentional from XXXX XXXX in order to back their customers into a corner with no way out. I have been using my XXXX membership ever since. I ended up not having the time anymore to go to the gym anymore because my work schedule picked up for the tax season so I cancelled my XXXX membership in XXXX of this year. I even have XXXX reciepts from XXXX XXXX of last year. I really dont know what else to do, everyone at Blink and at ALDOUS AND ASSOCIATES , PLLC is so mean and not helpful over the phone and telling me my only option is to Pay, they wont listen to reason and me telling them to please find who I may have spoken to when cancelling. In addition to the debt being incorrect and unjust the amount is also incorrect. I have tried explaining this to ALDOUS AND ASSOCIATES, PLLC and the only response I receive is that I can pay by card. They are attempting to collect a debt of {$170.00} but I have communications from XXXX XXXX stating that my owed amount is {$110.00}, a {$56.00} discrepancy. I don't have the funds to just pay a debt know is unjust and incorrect but I would if I could and just forget about it. I am XXXX XXXX XXXX and have never ever missed a payment my credit score is XXXX and I have been working so so hard to get it there. Im really sorry, I feel so backed into a corner. Please if there is anything that can be done I appreciate any help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I'm requesting a re-investigating. I just received my TransUnion File Number XXXX dated for XX/XX/2024. I see this acct XXXX/XXXX  # XXXX came back VERIFIED AS ACCURATE. The other credit bureau XXXX WERE NOT able to properly verify these accounts and was required to remove the accounts from my Credit Report. I have the right to a COMPLETE & 100 % ACCURACY on my credit report with all 3 credit bureaus per The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and FCRA 623 ( b ) ( 1 ) ( d ). How were you able to verify these accounts and you all have access to the same information? Please Give me the name of the person who verify this account? Also, I have attached a invoice of all the laws you fail to comply with ( 15 U.S. Code 1692d : Harassment and abuse, 15 U.S. Code 1692e : False or misleading representations, 15 U.S. Code 1692f : Unfair practices, 15 U.S. Code 1692g : Validation of debts, and 15 U.S. Code 1692j : Furnishing certain deceptive forms ). You can mail the check to my address that's mention in the invoice. I have uploaded my supporting documents as my proof of these accounts was removed off my XXXX Credit Report XXXX XXXX on XX/XX/2024. Send me a update copy of my credit report. PLEASE REMOVE THESE ACCOUNTS IMMEDIATELY!!!

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Deposited {$2100.00} to my Ally Savings account, used the bucket system to organize my money. Checking account had XXXX  setup for my Gas and Tolls for work. 

Then yesterday company tells me my account is locked and frozen. Funds will be unavailable until an 'investigation ' takes place. 

Upon calling and talking to multiple departments, confirming my social security number IN FULL, not the last four. MY FULL SOCIAL. I am then transferred to ANOTHER department which then ask me to confirm my social last four only. Then 5 security questions among other verifications. 

Put on hold another 5 minutes and then I'm told that I've logged into my banking app over 500 times opening an account, they asked me 'Why is this '? What am I supposed to say? Because I can? 

They then asked me what devices do I use to login, what cell phone provider do I use. Who's my internet provider. WHY?? This is beyond personal at this point and not part of verifying the account is mine. 

At this point the rep on the phone with zero remorse says. Funds will be held and locked for 3-5 business days. Online looks like this process is actually around 30 DAYS. 



At this point I am done with this Ally Bank, I want my funds and will close my accounts to go elsewhere, this is 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 non-monetary relief
Consumer complaint received 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I attended the XXXX XXXX of XXXX between XXXX and XXXX where I was repeatedly pushed and encouraged to pay for my XXXX with private loans through Navient. Since then the repayment terms have been vague or inaccurate, with me being told directly on the phone that the monthly payments would be a specific amount each month and currently creeps up higher in payments every month for years now. My school and their loan lenders recently were found to be misleading and a scam in the recent XXXX XXXX XXXXXXXX federal court case on XXXX XXXX, XXXX and have been ordered to dismiss the federal loans for those schools. My federal loans are currently being forgiven in XXXX due to that case. Navient was also ordered to forgive defaulted private loans in a settlement with the attorney general in a court case on XXXX, XXXX due to predatory practices and misleading information. Between the court-proven record of misleading and criminal practices as well as lying about the amount my current monthly payments are, I wish to file this complaint and push for the remaining private loans to be expunged as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have a checking account at XXXX XXXX XXXX. On XX/XX/XXXX, I wrote and mailed a check for {$7000.00} to the US Treasury to pay my estimated tax for first quarter XXXX. I mailed the check the same day. The check was cashed and the funds removed from my account on XX/XX/XXXX. In XX/XX/XXXX, after receiving a notice from the IRS stating my payment for XXXX XXXX had not been received, I discovered the check had been stolen and cashed by the thief. I reported the theft to XXXX, which told me the check had been cashed at a Wells Fargo branch. Furthermore, the check had not been properly endorsed by the IRS. In fact, it had not been endorsed at all -- the back of the check was blank. So, Wells Fargo had cashed a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. This was negligence on Wells Fargo 's part. I asked XXXX to sort this matter out with Wells Fargo and was told that Wells Fargo claimed the fraudulent transaction never occurred, even though Wells Fargo had received the funds from my account via XXXX. I made a number of attempts to sort this out with XXXX myself. I called the Wells Fargo customer service line and was told there was nothing they could do as I was not a Wells Fargo customer. I went in person to the Wells Fargo branch in XXXX, California, where the customer service rep was extremely rude, refused to look up the transaction on the WF system, and even suggested I might be attempting a scam. I went to a second Wells Fargo branch in XXXX XXXX, California. The CS rep at that branch was much nicer and researched the matter as much as he could, but ultimately said there was nothing he could for me at his level, that the matter needed to be handled at the corporate level and that I needed to have XXXX reach out to Wells Fargo on a corporate level. XXXX has not been willing to do this. My complaint against Wells Fargo is that the bank was negligent in cashing a check written to a Federal agency without first determining that the check had been properly endorsed by that agency. Wells Fargo is responsible for this mistake and for taking steps to correct it, which it has not done.

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 2024-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to bring to your attention some concerning information on my credit report. Upon reviewing my recent credit report, I discovered several accounts that I did not authorize or open. These unauthorized accounts are negatively impacting my credit score and financial well-being. I request your assistance in investigating and resolving this matter promptly. 

Below are the details of the unauthorized accounts : XXXX ( XXXX XXXX ) XXXX XXXX XXXX XXXX I declare that I did not apply for, authorize, or have any knowledge of the existence of these accounts. It appears that my identity may have been compromised, and fraudulent activity has occurred in my name. I have taken immediate steps to secure my personal information and have also filed a report with the FTC. 

I kindly request that you conduct a thorough investigation into these unauthorized accounts and remove them from my credit report as soon as possible in accordance with the FCRA guidelines.

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 2024-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX of {$200.00} cleared by my current checking account bank. Marcus closed my account after receiving the deposit. I gave them a call on the same day and was informed that they have made the business decision to close my account. I was told to get back to them after 3-5 business days. 

XXXX XXXX XXXX Called them again to check in on the progress for account closure. Provided all details all over again and was told someone will contact about it and I don't have to reach out. 

XXXX XXXX XXXX Called them twice. First time, gave them all the details and the call was disconnected by the representative midway through the query and the second time was again told by the representative that someone will reach out but since then there has been no communication. It has been more than a month. 

I continue to receive statements on my physical address about the interest I am earning but I do not have access to my account or the funds deposited.

Company response to consumer: Closed with explanation