vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I submitted an on-line payment. The next day it was returned and I realized I had forgotten to record a payment to another creditor. I contacted American Express and asked them not to resubmit the ACH. I was assured that the notation had been made. Two days later, they submitted the ACH again. I called again and was told that my bank would have to cancel further ACH request. My bank told me this was not possible as American Express generated the payment. I called American Express again and was informed that there was no way to stop the ACH automatic resubmissions. In this day and age, I do not believe that they can not stop automatic payments. I incurred {$100.00} in overdraft fees. I agree with the first fee as I did make the error ( however my bank was kind enough to refund that fee ). American Express should have been able to cease the resubmissions. My payment was not due for another two weeks so I wanted to wait before submitting a new payment. American Express has also charged me a {$29.00} return payment fee. Since they just tried to resubmit again, I am certain they will charge me another fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
PLEASE REFER TO COMPLAINT # XXXX ABOUT US : Were the Consumer Financial Protection Bureau XXXX CFPB ), a U.S. government agency that MAKES SURE BANKS, LENDERS, AND OTHER FINANCIAL COMPANIES TREAT YOU FAIRLY ..... 

This is the response from Mr. Cooper dated XX/XX/XXXX : Dear XXXX XXXX : Thank you for reaching out to us on XX/XX/XXXX. We appreciate the opportunity to make things right. We have forwarded you concerns to our tax vendor regarding your property taxes being waived in South Carolina. Once we have received all information you will receive a response under separate cover. We apologize for any inconvenience this may have caused and appreciate your patience. Expect to hear from us by XX/XX/XXXX. 

" ... .concerns to your tax vendor regarding your property taxes being waived in South Carolina XXXX. ''??? 

THIS IS NOT THE ISSUE!!! THIS ISSUE WAS RESOLVED TWO YEARS AGO!!! 

THIS IS TYPICAL OF MR. COOPER 'S LIES, STALL TACTICS, " SMOKE SCREEN '', AVERTING THE ISSUE AT HAND AND CAUSING MENTAL ANGUISH. 

SOMEBODY NEEDS TO STOP THESE PEOPLE!!! They are lying, cheating, causing me to have XXXX and having had to be hospitalized in " Psych '' twice because of " suicidal ideations '' Nationstar Bank has " engaged in unfair and deceptive acts and practices in violation of the Consumer Financial Protection Act of 2010. '' They have already been " proven guilty of this and had to " pay out '' 91M. How is that they continue to engage in these unfair and deceptive acts ( lies ) and causing harmful mental anguish leading to suicidal ideations? 

How is it then that they are getting away with what they have already been proven to be doing of lying and causing harm and breaking the law? 

Why is it that the CFPB that " makes sure banks, lenders, and other financial companies treat you fairly '' is NOT doing something about this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: TD BANK US HOLDING COMPANY
State: LA

Complaint narrative:
This complaint is in direct response to Nordstroms inability to provide communication on a debt in the amount of {$410.00}. Nordstrom first filed the charged-off account with all three credit bureaus in XX/XX/XXXX. Since the filing, I have made contact with Nordstrom via USPS on the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and recently XX/XX/XXXX. 

Nordstrom has failed to respond to letters requesting debt verification and has failed to respond to letters inquiring about a debt not associated with me. I hereby now request the assistance of the CFPB to investigate this situation further and find a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX/ {$430.00} / XX/XX/XXXX XXXX XXXX/ {$0.00} / XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
LOWE 'S XXXX XXXX XXXX XXXX made an unauthorized charge to my Lowe 's credit card of {$100.00} on XX/XX/XXXX. They did not notify me of their error and it was up to me to investigate who and why the charge was made.

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 2022-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I sent payments of {$350.00} through XXXX to a tattoo artist as I was told by the artist the shop takes payment upfront since he was a guest artist. The artist never showed up to our appointment so I asked for a refund. He said the shop had my money and he would send it back when he had it, after 4 days of messaging him and hearing nothing I called the tattoo shop he was a guest artist at and they told me they do not require payment up front and it sounds like he scammed me, so they would reach out to him. Miraculously the artist then responded to my messages and admitted that he spent the money I sent him ( {$700.00} ) to fly down to Florida to visit the shop he was a guest artist at and he doesnt have enough money to pay me back. Almost daily since he canceled the appointment on XX/XX/XXXX I have tried to contact him to get my money back. I have also been in contact with the tattoo shop and they have been trying to contact the artist so I get my money back as well, however the artist still hasnt refunded me. So I tried to get my money back on XXXX, Ive filed three disputes on there however they were unable to anything and suggested I file a police report. Before filing a police report, I tried to get my money back through my bank. I filed two disputes for the {$350.00} charges through Wells Fargo. I received a letter in the mail on XX/XX/XXXX from Wells Fargo dated XX/XX/XXXX stating that my first {$350.00} claim was denied. On the same day I received the letter, XX/XX/XXXX, I called Wells Fargo three times to gain an understanding of why my claim was denied when the requested services I paid for was not provided. After being placed on hold for XXXX minutes Wells Fargo dropped the call.

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 2022-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported : XXXX XXXX/ {XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
XX/XX/XXXX : I received an email that I have a past due amount of {$27.00} on an Amazon.com Store Card issued by https : //amazon.syf.com/ I closed months ago. I logged into my official accounts for Amazon & Synchrony on their official websites, and both are confirmed closed. I spoke w/ representatives for each company and they confirmed I do not have a past due amount and all the accounts are closed. They informed me there have been similar fraudulent emails that customers are calling about. 
I've received multiple emails over the last few weeks claiming I owe a past due amount and now there is an attempt to collect a debt. When I go to my account from the emails it shows a completely different account that matches the card # for the closed Amazon.com Store Card. 
I tried chatting on this fake site, and closing the account on this site at this link : XXXX XXXX XXXX This does not work. The Chat Bot doesn't answer the question, no way to get to a live person when I call the ph number listed XXXX.When I click on " Close Account '' and fill out the form it won't accept when I submit. 
This has been going on for weeks and I want to make sure that I do not have a negative report on my credit for this fraudulent charge.

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 2022-04-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX account that shows I had a missed payment. I did pay all months and have bank statements to show that I did pay. Its significantly affecting my score and Im in the process of trying to get a loan for a house thats in my family. I also show that I have a XXXX  XXXX collection account thats been double reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXXT XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05 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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : 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 explanation
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-04-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I attached some screenshot of the report that might be your guide that there are discrepancies on my accounts because of the inaccurate details in the other bureau. I did not own the following debt. Here is the list that indicates the company name, balance, and date last reported XXXX XXXX XXXX XXXX XXXX/ XXXX 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 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( Original Creditor : 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 2022-04-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX 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