vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX I called in spoke to XXXX and made a payment of XXXX and XXXX in order to become current I was told at that time I was current for past due payment while in forbearance and that all was owed at that time XXXX but that was to include the payment for the month of XXXX being my forbearance didn't end til the XXXX of XXXX and that she would call me back for the XXXX payment I said ok. 

I then made another payment XXXX on XXXX the XXXX 2023 through XXXX id # XXXX who stated that I would be brought current and would not owe any money until XX/XX/XXXX Every day since making these payments I have been called and told I owe different amounts ranging from XXXX one day then the next I owe XXXX then now I owe XXXX but I shouldn't owe anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
A fraudulent purchase was made through XXXX on and around XX/XX/XXXX  for XXXX on our Wells Fargo credit card. We were alerted by Wells Fargo of the fraudulent charge and immediately discontinued card. Wells Fargo removed the charge. One month later the charge was put back on our card because Wells Fargo stated that XXXX stated that we made the purchase using a valid email address - the one that Wells Fargo had on file for us. We did not make the purchase, authorize the purchase or receive the purchase. We were told the purchase was for XXXX XXXX. We have disputed the charge through the bank now 3 times. We have disputed the charge through XXXX via email and letter. We are seeking a resolution for this fraudulent charge using our credit card and private information. We do not have or have ever used XXXX nor do we have a XXXX account. We also had fraudulent activity on the card at the same time for XXXX which was removed by Wells Fargo We have requested the investigation report multiple times but did not receive it.

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 2023-09-29 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I recently obtained a copy of my credit report from XXXX, XXXX, and XXXX, and I noticed that there were several inquiries that I did not authorize or recognize. My concern is that these unauthorized inquiries are having a negative impact on my credit score and making it more difficult for me to obtain credit. I have already contacted the three credit bureaus with no real solutions. Therefore, I am requesting your assistance in investigating this matter and ensuring that my credit report is made accurate. I have also attached a copy of my fct report please review it and remove all of the unauthorized inquires because i was unable to list them all here. 

I appreciate your time and attention to this matter. I look forward to hearing from you soon. 
By : XXXX : Whiting All Rights Reserved

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
As a result of my formal request having been made to " XXXX '' on XX/XX/2023 the request by me to send the disputed transaction to XXXX XXXX XXXX for arbitration has been ignored completely. As of this date, XX/XX/2023, I file the same request and file a grievance with the Consumer Financial Protection Bureau. I must be given written proof this step. Of relevance and for educational purposes, please locate and see the " Cardholder Disputes and Chargebacks '' at page 10 at XXXXXXXX XXXX XXXX XXXX XXXXXXXX. Attention - CitiBank - There is no logical reasonable reason that you're fighting me over XXXX dollars. I am not lying whatsoever in my dispute process. The unequivocal fact is that the XXXX Merchant controlled A FROZEN FAULTY COMPUTER AND PRINTER WHICH DID NOT WORK and my services WERE NOT RENDERED TO ME.

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 2023-09-29 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: CARRINGTON MORTGAGE SERVICES, LLC
State: DE

Complaint narrative:
In accordance with the fair credit reporting act, this creditor has violated my rights! I have the right to privacy! The consumer reporting agency can not furnish an account without my written instructions! A creditor may not treat a payment on an account under an open and consumer plan as late for any purpose! 

Carrington Mortgage : XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ALL for the amount of approximately {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to dispute the charge-off entry listed on my credit report. The basis for this dispute arises from the fact that I have not received a Form 1099-C ( Cancellation of Debt ) as required by federal tax law.

According to the Internal Revenue Service ( IRS ) regulations, a creditor is obligated to issue a Form 1099-C to the debtor following the cancellation of a debt exceeding {$600.00}, as per Section 6050P of the Internal Revenue Code. This form serves as a critical document for tax reporting purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : capital One 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To comply with both IRS regulations and my rights as a consumer, I kindly request the following actions : 1 . Investigate the presence of a Form 1099-C issued by the Creditor for the debt in question.

2. Verify whether the charge-off entry on my credit report was indeed accompanied by the issuance of Form 1099-C.

3. Confirm whether the issuance of the Form 1099-C was executed in accordance with the IRS regulations , as required by law.

I am determined to ensure the accuracy and completeness of my credit report, as well as to fulfill my legal obligations regarding any tax implications arising from the cancellation of debt.

In accordance with the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 2 ), I request the prompt removal of the charge-off entry from my credit report should it be determined that the issuance of Form 1099-C was not compliant with the IRS regulations.

Furthermore, I reserve my rights under both the FCRA and the IRS regulations to address any discrepancies or violations in accordance with applicable laws.

I trust that you will handle this dispute diligently and in strict adherence to the law. Please provide written verification of the results of your investigation within the prescribed timeframe as stipulated by FCRA Section 611 ( a ) ( 8 ).

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
Capital One is violating FCRA. Capital One made a hard inquiry in error to XXXX on XX/XX/XXXX. I did not apply for any Capital One products, nor do I have a current relationship with this company, that would grant permissible purpose to pull my credit. 
I contacted Capital One on XX/XX/XXXX and spoke with customer service. They could not see any relationship established. They asked me to send a copy of my credit report, but I wasn't comfortable doing that. So, I contacted XXXX the same day and they filed a dispute with Capital One. I was provided a case number of XXXX to reference. 
Followed up w/ XXXX  on XX/XX/XXXX and was told to provide a police report. I'm not even sure what I would put in one - I don't know what is going on. The person I spoke with told me she would notify the company ( again, I guess? ) and they would be required to respond in 30 days. 
On XX/XX/XXXX, I also mailed a letter to Capital One/Credit Dispute Department at XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX stating my issues and concern as well as provided a screen shot from my XXXX  credit report documenting one Capital One hard inquiry on XXXX plus 2 soft inquiries also from Capital One. I don't haven't had a recent relationship w/ Capital One to know what these are from? 
On XX/XX/XXXX - I contacted XXXX and was informed Capital One never answered their dispute inquiry. I contacted Capital One and they said I had not given enough time from my letter mailing on XX/XX/XXXX to receive a response. 
NOW, it is XXXX and the hard inquiry remains on my report and any dispute inquiries have gone unanswered. I want this inquiry explained and I want it removed b/c it is not correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I have a mobile app for my Chase Credit card and access it nearly every day to check purchases. I tried to open the app this week and found out that I couldn't access any information on my account ( via the app or on my PC ) without signing updated disclosures and agreements. The Online and Mobile E-Sign document was 10 pages but the XXXX XXXX agreement was 125 PAGES LONG. I called the company to complain - I wasn't going to sign it without reading and 125 pages is overwhelming. It's unreasonable to expect anyone to read it. I was told that I would have to agree to both documents to access my account information and there was nothing that could be done. I replied that it seemed they could have a shorter agreement and received no response. I then requested that they cancel e-access to my account and start sending paper statements and notified them that I was discontinuing future use of this card. Since then, my husband and I applied for two other credit cards- one had disclosures of only four pages and the other had a disclosure that was 10 pages. I am a reasonably intelligent person with an advanced degree. I think this requirement is outrageous - how many people will just check the box without knowing what they are agreeing to?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Airtm Inc.

Complaint narrative:
To start, I used their platform to send {$510.00} USD using cryptocurrency on XX/XX/2023, USDC exactly, to my personal wallet. This transaction NEVER got to me even though I fulfilled all the required details. After doing so, the transaction showed up as " completed '', which to the user means that all the information was provided correctly. 

After I did so, they stated that the money should be arriving over the next minutes. It didn't, and until today XX/XX/XXXX, it still didn't show up. I filed a complaint with their Customer Support, where they told me that there was a piece of information missing to complete the transaction. If this field was required, then the transaction should not have been able to be completed. But they didn't require it when I started the transaction. I consider this a scam. 

Then, they promised to help me, while I stated my desperation due to the loss of my entire salary, I had to pay my rent and buy some food. I live alone with my brother and we both depend on that bi-monthly money. 

So I had to contract debt. I did so, while they stated that " I should wait around 20 days to see the funds on my account ''. After this, the company stopped answering my requests for action, they do not provide any information, and they only say " please wait ''. I can't wait anymore. I send messages to them everyday, and they don't answer or if they do, they ignore my questions and demands. 

This is a XXXX dollar company. And I lost my {$510.00} USD, which is nothing for them but it is everything to me. I need help here, I can't keep waiting. 

I want everyone to know what a fraud this is and what kind of damage they made to me. I had to CONTRACT DEBT because they decided to steal my legitimately-owned salary only so I can still live in my house. 

I don't have the resources to fight this company on the court. So I beg for help. I will cooperate fully, all I want and need is the totally of my funds back in my wallet so I can now pay the debts they FORCED me to contract. THEY SHOULD BE PAYING THAT DEBT, NOT ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report, which is unauthorized and inaccurate. Upon reviewing my credit report, I noticed this unauthorized inquiry : XXXX XX/XX/2022 I have no recollection or knowledge of authorizing a hard inquiry by this company.

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 2023-09-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A guy bought an item from me and paid me through check. I deposited the check online and Chase accepted it. so, I proceeded with selling the item. 
After 4 days, Chase has withdrawn the money from my account because that guy closed his account!! 
I trusted Chase and sold my item after successfully depositing the money. It's not my problem if the guy turned out to be a scammer and closed his account. Chase shouldn't take the money back from its customers. after depositing the money! 
I called them, but they said its not their problem! 

Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: NEW YORK COMMUNITY BANCORP INC
State: OH

Complaint narrative:
my loan was under forbearance for covid XXXX for a year and 3 months. and i received funds from two agencies and they disbursed the funds in a manner that is overcharging me. they received over XXXX in funds. i received mortgage statements saying they were missing payments when they received payments from organization then it was found with calls from me with explanation and date of payment. my mortgage was originally XXXX they received funds before forbearance was approved, my mortgage was also raised when bank received funds on my statement. my forbearance should have no late fees under it so i should have had more money left over and my principal should have lowered.

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 2023-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Someone tried to apply for a credit card on XX/XX/XXXX in my XXXX married name of XXXX. I need to know how I go about getting this removed. And flag my account please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-29 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: National Credit Adjusters, LLC
State: WI

Complaint narrative:
I have 4 negative accounts on my credit report that is not mines. XXXX keep placing them on my credit report after I dispute them under different names but it's the same account with different amounts on each one. I even file a police report for the identity theft. They are using a debt collection agency to help them with the fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29 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: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened an account with BMO due to their new promotional offer. I got the account number, transfered money ( {$120.00} ) and registered online. However teh account never showed up online even after multiple weeks and I have no access to the funds. I called them multiple times and they couldnt figure it out. 

Now I don't even have online access and cant even register.

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 2023-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Because XXXX in 2017, student loan collections have continued to ignore my XXXX paperwork and aggressively pursue me in collections and with harassing phone calls.

Company response to consumer: Closed with explanation