vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I '' ve had a Capital One cc account since XXXX. My credit given to me was for {$2400.00} I pay monthly but over the years there has been maybe a couple of times I've had to pay a late fee. I noticed that I was being charged fees on my account although payments were made. {$35.00} fees in addition to {$39.00} interest rates. Currently I am aware that my APR is 19.40 % for this card. I'm just want to know should they be charging me {$35.00} in fees along with a {$39.00} interest rate for 17yrs. I could never finish paying the bill because my money is going to fees and interest. The fees being charged are not late fees. I have requested for statements for XXXX but unfortunately since I always discard my statments I don't have all of them from 17yrs. I will make my best effort to pay this bill off. 

























I have a Capital One cc which I received in XXXX with a credit available of {$2500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX Mr. Cooper Loan Number XXXX Dear Sir/Madam , I'm writing this letter to file a complaint against my mortgage company Mr. Cooper ( Nationstar Mortgage Holdings Inc. ) , as I feel I've been a victim of predatory business practices. 

I'm currently in XXXX XXXX bankruptcy. My mortgage and auto loan are not in the XXXX. Back in XX/XX/XXXX, I got 3 months behind and requested a repayment plan. My XXXX attorney wanted {$1000.00} to do this ; however, I didn't have the funds. So, she instructed me to deal directly with Mr. Cooper 's appointed lawyers ( below ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX ) XXXX XXXX I negotiated a repayment plan with them ( Please see attached email and Motion for Relief ). I signed the document and sent the document back. I agreed on making my regular mortgage payment, plus an additional payment of {$890.00} till XX/XX/XXXX to cover the past due balance, plus they added close to {$1500.00} in 'junk fees ''. However, a few months later, I had a lawyer review the document. She informed me that the paper I signed wasn't just for the repayment plan ; it also included that I waived my rights, and they could fast-track a foreclose. Neither my lawyer nor Mr. Cooper 's attorneys ever told me that -I was waiving my rights. If that had been cleared, I would never have agreed to the repayment plan. 

( I tried reading the document ; however, I must agree the legal language was beyond my comprehension ). I'm sure Mr. Cooper knows there is plenty of equity on the property, and I assume that's why they pulled a fast one to take advantage of my situation. 

In XXXX, I got approved for Emergency Mortgage Assistance through XXXX XXXX, CO ( please see the approval email and communication ). On XX/XX/XXXX, they mailed Mr. Cooper a check ( check number # XXXX ) through their bank for {$6000.00}. According to Mr. Cooper, they never received the check, which is untrue as according to the XXXX XXXX Emergency Mortgage Assistance Advisor ( XXXX XXXX ), Mr. Cooper not only received the check but also even cashed it. I've spent many hours with Mr. Cooper with no luck. Recently The XXXX XXXX Emergency Mortgage Assistance emailed and faxed Mr. Cooper a copy of the cleared check. As per Mr. Cooper 's representative " XXXX '' ( out of AZ ( XXXX ) XXXX ), she is going to request an investigation, and she couldn't tell me how long it would take. 

My take on this is Mr. Cooper intentionally did this so they could start a fast-track foreclosure ( as I mentioned earlier, how they duped me in signing ) as there is a good amount of equity on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 6048 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 166613 : A creditor may not treat a payment on a credit card plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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 — Problem with personal statement of dispute
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
XXXX and Navient have not provided documentation pertaining to reported information. Information given regarding dispute states that Navient has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: PA

Complaint narrative:
So I have been dealing with Sallie Mae for about two years now. I didnt have a bank account when I started paying them I had a prepaid card from work that I was trying to use. I eventually got a bank account and started making payments very consistently, I had a couple reversed but I got them paid. They were supposed to be taking it out automatically around early XXXX but they said that due to a bunch of unsuccessful payments they could no longer do it. After that they started calling and harassing my XXXX XXXX XXXX grandfather. I called them and told them not to contact him to only call me and they stopped calling him and even lowered my monthly payments. Currently in XXXX I have had to still call and make payments they keep saying they will unlock my account online but it has never been unlocked. I had one late payment which I paid but they double charged me for XX/XX/XXXX payment along with the XX/XX/XXXX payment which was the late fee I only wanted to pay XXXX and they did not give me the option to just pay for the late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I apply for a credit card with XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX. I applied online was approved instantly. On XX/XX/XXXX XXXX closed my credit card account. I asked that the account be reopened or inquiry removed from credit reporting.

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 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am in the US military and a XXXX XXXX Report # XXXX was pulled on XX/XX/XXXX. On this report was an account with creditor : XXXX XXXX XXXX with a balance of {$7600.00}. Open date of account was XX/XX/XXXX. I have never applied for credit of any sort with this organization. I called to have this disputed on several occasions and was told that it was because i had a loan with XXXX XXXX. 
I had a loan from XXXX XXXX for {$7800.00}. This loan was placed into a debt consolidation program with XXXX XXXX XXXX and was later settled with a collection agency : XXXX XXXX XXXX in the sum of {$4700.00}. I have attached all documents received to support my claim that this outstanding balance is null.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/XXXX, I wrote a letter, from my location at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( where I was XXXX ), to US BANK / ELAN FINANCIAL SERVICES ( see attached letter ) requesting copies of my statements from XX/XX/XXXX on, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be fraudulent purchases that I did not make, as I was XXXX during this time. ELAN FINANCIAL SERVICES never sent me, or my attorneys XXXX, XXXX XXXX XXXXXXXX, the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly, or was provided insight into the fraud that was perpetrated against me to better glean as to what was purchased and where it was purchased by these perpetrators to aide in my recovery of overall life savings, etc. ELAN FINANCIAL SERVICES did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. I never even received a notice from ELAN FINANCIAL SERVICES of any kind, period. Further, I wrote additional request letters to Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to XXXX XXXX XXXXXXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the XXXX XXXX First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX XXXX XXXX XXXX XXXX in 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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
These unauthorized transactions removed funds my checking account. 
XX/XX/2022 {$220.00} XX/XX/2022 {$290.00} XX/XX/2022 {$6.00} XX/XX/2022 {$8.00} NSF charge resulting from unauthorized transactions. 
XX/XX/2022 {$36.00} Total amount of dispute {$560.00} XX/XX/2022 I notified the bank in person of the unauthorized charges. They said it happened on my card. I showed them the card. I never lost possession of the card. It is now cancelled. I still have it. I requested a refund in accordance with FDIC rules. It has been a month and the the bank has failed to act.

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 2022-08-25 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a debt on my credit report XXXX XXXX XXXX XXXX that is already more than 7 years old. The company waited until this hit the 7 year mark to sell my debt so that it would be re-reported. I tried to work this out with them when the original loan defaulted, the repossessed the car and sold it making back almost every dollar I financed. They would not agree to let me pay the balance in arrears monthly and wanted me to instead take out another loan to pay theirs off. I could not qualify for another loan and they advised me at the time to just wait it out then until it fell off. XXXX at 7 years they sell the debt and it is negatively impacting my credit score when I tried every resource possible to pay them back/ off at the time that it was happening. As a matter of face I had the money for the two months that I was behind when they repossessed the car and they would not accept my payment and insisted on me getting a new loan elsewhere to pay them off. I want this loan removed off my credit as the company made their money back when they sold the vehicle, they did not work with me to get this rectified and they lied to me and sold my debt at the 7 year mark to keep my credit score down. I accept full responsibility for any debts that I knowingly have defaulted on my credit but what they did is not only wrong but its deceptive to tell a consumer to just wait it will eventually fall off and then sell it is deceptive practices. I would like this removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Credit reporting, credit repair services, 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 filed an FTC report and have a fraud alert on my account. I have mailed and called each major credit bureau and asked the fraudulent item to be removed to no avail. 

Mailed letters to all three on XX/XX/2022 XX/XX/2022 I have also disputed multiple times via their websites over the past year Experian XXXX XXXX The account is with XXXX Bank it has a balance of 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 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit & Collection, Inc.
State: AL

Complaint narrative:
XXXX has been harassing me by inaccurately trying to collect debt when I never signed up with them for any type of services. I called XXXX a while back to explain that they have the wrong person for the debt and i wish to not be contacted but XXXX continued to pursue me for debt that I don't know and has even turned it over to a third party Nationwide Credit , Inc in the amount of {$130.00}. XXXX and Nationwide Credit , Inc have violated the law by pursuing me when I never signed any documents or spoke to someone regarding the address I stay at. Furthermore I am not the lease holder nor do I hold a mortgage for the address they have on file so I don't know why they would be billing me especially since I never signed any documents nor did I have a written or verbal agreement. This is a violation of my rights from both of the companies for harrassing me and disrupting my right to privacy. This is a violation of my rights 15 US Code 1681 A4 There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 US Code 1 A ) the consumer authorizes the agency to provide such report to such person. 15 US code 1692d ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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: CORELOGIC INC
State: GA

Complaint narrative:
There is inaccurate information on my credit report. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX of XXXX ( XX/XX/22 ) XXXX : XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX XXXX XXXXXXXX ( XX/XX/22 ), XXXX XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX XXXX XX/XX/22 ) XXXX : XXXX XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 )

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 2022-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
A fraudulent account with my name was opened with Navy Federal. I have never had a banking relationship with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 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:
I disputed it over 36 days ago and the required notice of dispute is missing. That indicates that there was not a proper investigation. Delete these account for failure to perform investigation per fcra regulations. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed the following accounts on [ XX/XX/2022 ], in which Equifax received ( XX/XX/2022 ) The following accounts listed has been illegally reaged in an attempt to damage my credit report. 

I want these accounts deleted because the date last active column is inaccurate and has been reaged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive attached appropriate documents to back up my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: The Moore Law Group
State: CO

Complaint narrative:
I have not lived at the house that they supposedly sent details to. I have not received a call, nor have I been able to call them. Their number does not work. I've attempted to call local offices as well. I have recorded what happens when I attempt to call them. I get a recording every time. How can I work with a debt collector when I can not contact them? Are they not required to be reachable? it seems like a very shady tactic to tell consumers to contact them at a specific phone number, then that phone number does not work. Now my wages are being garnished???? I could have worked this out with them had the been communicative and reachable. 

Additionally, my name is spelled incorrectly, which might be why I don't receive any mail communications from them. They've failed to correclty spell my name, but received a default judgement against me with my name incorrect? I don't receive any mail from them because no one by that name lives at my address.

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 2022-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/22, a XXXX XXXX asked to borrow my phone and somehow sent money to an account using XXXX through my Wells Fargo banking application. After almost three weeks, Wells Fargo deemed this case as not being criminal since it was done through my phone. Out of good faith I allowed the person to borrow my phone, and Wells Fargo refused to help me recover my money. It seems as if there was no thorough investigation done externally which is unacceptable.

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 2022-08-25 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: IA

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, XXXX Bank XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Concord Servicing Corporation
State: MI

Complaint narrative:
On XX/XX/XXXX, I sent a notice to rescind to Concord Servicing Corporation along with an affidavit of fact to which they have not responded. I submitted an application to them extending my credit for personal, family, and household use on or about XX/XX/XXXX. I discovered they used my application information to obtain monetary advances through pooling pursuant to 17 CFR 229.1101 ( c ) ( 1 ). They did not provide me with proper disclosures or notices which is a violation of the Truth In Lending Act. In addition to this, they also changed my address on this loan. They have been very deceptive with their criminal behavior and have caused me significant harm. Since they failed to respond to my notice to rescind and my affidavit, I am submitting this complaint. I have attached a copy of the documentation I submitted to them which details their criminal behavior for your review. Thank You!

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 2022-08-25 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: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, this is a follow up with the prior complaints of Early Warning Services refusing to remove negative information that I am liable for, after submitting a police report they refuse to accept. Hers an additionally copy of the police report of the Id theft and an FTC report for identity theft. XXXX is refusing to remove this information and its crippling me, they are trolling me, refusing to accept legit literal documents, I will have no choice but to sue if I cant get help.

Company response to consumer: Closed with explanation