vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
XX/XX/XXXX I received notification from the Florida Homeowner Assistance Fund that was was approved for Mortgage payment assistance for 18 months ( XX/XX/XXXX - XX/XX/XXXX ) and approved for an additional amount of {$3300.00} that could be applied towards late fees or past due amounts, which I did not have any late fees or past due amounts, since I was previously forced into a Loan Modification at the end of XXXX after Mr. Cooper started rejecting my mortgage payments and sending them back to me. I never received notice of XXXX XXXX, but was charged multiple attorney fees. I reached out to Mr. Cooper to ask why was the money received from HAF being placed in a suspense status and not being applied to my loan. I was initially told they did not know where the money was coming from, but since I called to make them aware that it was funds from HAF, it would be, but it had to be handled by a special department that handled HAF funds. I emailed them several times requesting that the funds be applied to my account. As recent as XX/XX/XXXX, this still has not been rectified. Before I was made aware by the Homeowner Assistance Fund ( HAF ) that they had began to send my monthly mortgage payments I also was continuing to make my monthly payments. I am being told by Mr. Cooper they would need to research this matter, after I provided proof of duplicate payments that continue to not be applied to my account. They even did three escrow analysis without my knowledge in a two month timeframe in order to increase my monthly payments, after I paid the initial escrow shortage to keep my payments the same. Mr. Cooper has changed my payment three times without reason or my knowledge in XXXX. There has been several discrepancies on their behalf, example HAF sent a lumpsum payment of {$3300.00} on XXXX XXXX. Mr. Cooper applied {$3200.00} to my account as Miscellaneous on XX/XX/XXXX, which I have no idea what Miscellaneous is and still have yet for this to be accounted for. HAF then sent a monthly payment amount of {$1000.00} on XX/XX/XXXX that was not applied until XX/XX/XXXX, another payment of {$1000.00} was issued by HAF on XX/XX/XXXX but was in a suspense status until XX/XX/XXXX. This is not including the payments made online to my account by me on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX as duplicate payments. I was told by the Mr. Cooper representative on XX/XX/XXXX that they can only address the missing payments that I made to them, they can not account for the payments that may not have been applied from HAF. I have missing payments that still have not been applied, however ; Mr. Cooper as recent as today XX/XX/XXXX is reporting my loan as delinquent on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I'm XXXX and still living with my mother. I had a substantial amount of money ( to me ) saved up. Right at {$100000.00}. I held it all in my XXXX account. ( I used it for a " savings '' account ) I transferred it all into my Wells Fargo checking account as I'm looking to buy a house soon. I deposited the funds ( {$100000.00} ) on XX/XX/XXXX. All the withdrawals were made less than a week later. A total of {$95000.00}. One was even a " Business to business '' transaction and I don't even have a business account. I don't check my checking account balance often because I use credit cards and pay them off with my checking account balance, so I didn't notice any of this until yesterday ( XX/XX/XXXX ) while I was at work and immediately left due to the fact my life savings at XXXX are just up and gone. I call Wells Fargo yesterday ( XX/XX/XXXX ) and they tell me everything is fine as it wasn't my fault. I ask them to cancel my card and change my account number AND turn off wire transfers completely. Today ( XX/XX/XXXX ) I get a call from Wells Fargo and I am told that they think I spent {$95000.00} in under a week. Due to who the merchant the money was sent to because I have used them in the past ( XXXX and middle of XXXX ). I go on to tell the lady that {$95000.00} almost six figures is a lot to spend for someone who is a firefighter and it takes XXXX years to make that sort of money, and that's not spending a penny of it. Goes on to tell me the chances are small that I get my money back and can't tell me where the money even ended up. Have had issues from Wells Fargo before and this does it for me. {$95000.00} doesn't vanish and all you can tell me is " we think it was you, because you've used this merchant in the past '' I want my 5 years of saving money back as my whole future just went down the drain.

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 2024-02-01 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:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: KEYCORP
State: UT

Complaint narrative:
XX/XX/2023 a transfer in the amount of {$30000.00} was being initiated from our account. We were alerted and physically went into the bank the morning of XX/XX/2023 and spoke with our representative of our account. She said that somehow money had been moved from my savings, and a rolling loan into my checking account and an ACH transfer had been initiated out of my account waiting for my approval. At that time she was trying to put a hold on my account. After that moment all of my account seemed on hold/ cards, payment etc. but the transfer according to headcounters was approved by them but would not give me or my lawyer any information as to who approved it or what the reasoning was. The only information we have been able to get is when we did a police report on XX/XX/2023 the local branch offered them information The police case with XXXX XXXX XXXX XXXX. We have spent countless hours on the phone and writing emails back and forth. But the bank just seems to say we are out of luck and that no one really knows who or why our account was hacked and they have no way to show it or advise on the best way to go about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
The website redesign is non-functional as a banking website. There is no way to provide Navy Federal with this information because the non-functionality of the site prevents communication that the web site is non-functional. I have tried to tell them over the phone, but they just say that it is fine on their end. Of course, it probably would be " fine on their end '' because they are on the same server, but they are apparently not savvy enough to understand why that would be. It is not functioning on the internet beyond ( outside ) their own servers. They apparently intend to render people 's accounts and money entirely inaccessible and pretend that everything is fine, the same way they fail or refuse to respond to other complaints about unathorized ACH debits or provide copies of checks. For several months I have been unable to get the text message or email to enable the linking of an external bank account, and the " automatic early release '' of direct deposit IS NEVER AUTOMATIC. I have to call in every single month to have my direct deposit released, and they pretend it is all brand new, like I haven't been told EVERY SINGLE MONTH that the release of direct deposit funds is supposed to happen automatically, but of course, " I must be talking to the wrong person. ". Of course.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent the follow letters to XXXX, XXXX and TransUnion XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-31 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: PA

Complaint narrative:
I sent the follow letters to XXXX, Equifax and XXXX XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FCRA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 15 USC 6802 and 16 CFR 313.7 XXXX XXXX I am also requesting the following companies stop reporting to any consumer reporting agencies on my behalf immediately : 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 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On approximately XX/XX/XXXX I applied for a Chase Freedom Card. In order to be approved, I needed to reallocate credit from my existing accounts to this card, which I did. On or around XX/XX/XXXX, I called in to reallocate additional credit from my existing personal accounts to this card to give me more spending power. After successfully doing this, the representative offered to request a credit line increase and indicated there would be NO HARD INQUIRY on my credit report. I agreed to do so. I received a denial letter for my credit line increase. I also received a notification from XXXX that a hard inquiry had been made on XX/XX/XXXX from JPMCB. I called and spoke with XXXX to dispute this hard inquiry and was told that either Chase needed to remove the inquiry or XXXX could only do so with approval from Chase in writing. 

I called Chase on XX/XX/XXXX and was transferred a total of nine times on the call. The call lasted 1 hour and 52 minutes. After speaking with the lending team, several escalations representatives, credit bureau escalations, and several other departments, the credit bureau specialty unit directed me to write a letter to get this resolved. I sent the letter on XX/XX/XXXX. 

I received a letter dated XX/XX/XXXX indicating that the inquiry was reported accurately. Again, to be clear, I was explicitly told my increase would NOT result in a hard credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
Although all of my student loans have been transferred to XXXX, NelNet continues to report to XXXX, et al. that I have open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC
State: CA

Complaint narrative:
River Heights Capital, LLC Fill to court Execution ( money Judgment ) XX/XX/year>, {$11000.00}. 
Failed to validate a debt at my request ignored my cease and desist Balance claimed Include all fees, interest and penalties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NV

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 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 2024-01-31 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: NV

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 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 2024-01-31 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: SC

Complaint narrative:
I am a natural person, a living human being. I have rights under 15 USC 1681. Equifax is governed by 15USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because according to 15 USC 1681. I have the right to privacy, and I didn't give Equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX XXXX XXXX/DEPT OF ED Account Number XXXX/DEPT OF ED XXXX XXXX Account Number XXXX/DEPT OF ED XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX XXXX XXXX XXXX # XXXX Account Number XXXX XXXX Hard Inquiries XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
Navy federal will not let me reopen my account due to collections that were paid back in 2018. They said I settled for less on the car loan which satisfied the account back then. They are stating I would have to pay {$3000.00} and they are trying to disregard the {$2100.00} I paid to settle the account. Essentially, they want what I paid plus {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
An application was submitted fraudulently.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I was advised by XXXX and Equifax rep to fill out this report because of unauthorized inquiries in my report. Please remove all of these fraudulent unauthorized inquiries on my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
My Venmo account was frozen on XX/XX/23 with no information provided and no way to regain access to my account. They refuse to provide point of contact or any disclosure related to why it was frozen or ways to access my funds and stored banking information.

Company response to consumer: Closed with explanation