vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
In XXXXXXXX XXXX XXXX, I switched my home insurer. On XX/XX/XXXX, my previous insurer, XXXX XXXX sent a refund of {$2500.00} to Mr Cooper ( mortgage company ). On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX was cashed by Mr. Cooper. This was never applied back to my escrow, which I became aware of around XXXX XXXX. 

Since XXXX XXXX I have contacted Mr. Cooper at least 8 times, as well as my insurance agent contacting them several times. On at least 3 occassions we provided different parties at Mr. Cooper regarding the refund. They have provided a variety of vague explanations of what the issue is. 

On XX/XX/XXXX, Mr. Cooper transferred the servicing of my loan to another servicer. Now when I attempt to contact Mr. Cooper, a recording tells me my loan has been transferred and disconnects. 

I have tried to use the live chat option on their website, which has also been unsuccessful. 

Thanks, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AL

Complaint narrative:
The company calls various times a day. All through the day and late in the evening, worrying you about payments, even if you are 1 day late on a payment. I have paid for years on time, but never saw my account/total move. I called to find out but did not receive any real answer except that it is interest. My account has been open since early XXXX. This account should be paid off or very close to it by now. This company is getting over. Regardless of what loan it is, this company is not right. I tried to be certain that I had it correct, but it certainly was used for school. This company is in litigation/court for abusing their power with student loans already.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-12-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: OLD NATIONAL BANCORP
State: IN

Complaint narrative:
On XX/XX/year>, I attempted to send money from my Old National Bank checking account via XXXX to my XXXX XXXX XXXX XXXX savings account. I initiated an {$800.00} transfer. On the evening of Tuesday XX/XX/year>, I logged into my XXXX XXXX XXXX XXXX account and realized the money did not transfer. The next day, I called Old National Bank during business hours and explained that the transaction did not process, which I believed was because there was a typo in the account number. The Old National representative initiated a review to determine if the payment could be retracted. Meanwhile, I contacted XXXX XXXX to determine if they could determine what happened to the funds. They stated that they were unable to locate the transaction, even using the account number I believed to be the accidentally input number. Additionally, I called XXXX support which was totally automated but explained that if the account was incorrect or did not have XXXX set up, the payment would be returned to the original sender after 14 days. I received a letter from Old National explaining that the transaction was not completed in error and they were unable to dispute the transaction. I called back and requested that they review this again and they stated there was nothing more they could do because XXXX money transfers using the routing number and account number could not be disputed. This is unacceptable because it was a simple mistake of a typo causing me a loss of {$800.00}. If Old National is unable to dispute these transactions, they should not allow them.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I Contacted the company directly for the information pertaining to my 2 loans from : XXXX XXXX XXXXXXXX XXXX XXXXXXXX The company has Closed with explanation : Company 's Response XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX No XXXX : XXXX XXXX XXXX. : XXXX XXXX Account XXXX. : XXXX Dear XXXX XXXX : Thank you for your correspondence concerning your student loan account with the U.S. Department of Education, Federal Student Aid. We reviewed your concerns submitted to the Consumer Financial Protection Bureau ( CFPB ) portal under the Case Number noted above. Our records indicate that in XXXX XXXX, you received two Federal Direct Student Loans in the total amount of {$5500.00} to attend XXXXXXXX XXXX XXXX XXXX. Interest was capitalized, increasing the principal balance. On XX/XX/XXXX, the loans were declared in default, and XXXX ( originally XXXX XXXX ), the Departments student loan servicer, later assigned the account to the Departments Default Resolution Group. The loans entered our database on XX/XX/XXXX. At the time of assignment, the balance was certified to be {$5800.00} in unpaid principal and {$290.00} in accrued interest. No payments have been credited since this account was assigned to the Departments Default Resolution Group. 

This Response from the Us department of educations explains that no payments has ever been made and this account and is in fact in default status. Yet The credit bureaus continues to illegally report false information about the payments on these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 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: NY

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

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 2024-12-04 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:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I opened a new checking account with Chase.

I attempted to connect my Chase account to online payment services such as Plaid, and to initiate transfers out of the account to complete payments.

My account was closed the following day. I was not provided any information about why, or given an opportunity to clarify my activity.

I requested the ability to pick up funds from a local branch, and was told this would be possible. Upon arrrival at the branch, I was told that funds had not been released and so were not available.

It has now been over four weeks since the account was closed. I have received no information about why the account was closed, when I can expect my funds to be returned, or why there is a delay in releasing these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2024-12-04 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: FL

Complaint narrative:
I am writing to formally dispute an unauthorized credit inquiry on my credit report. Upon reviewing my credit file, I have identified an inquiry that I did not authorize and believe to be inaccurate. The inquiries are listed in Identity theft which I uploaded with all necessary documentation. 
I am concerned that these inquiry was made without my knowledge or consent, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). As per the FCRA, only entities that have a permissible purpose, such as those with a legitimate need for my credit report, can request it. Since I did not authorize these inquiries and have no knowledge of any transaction or account associated with the creditor in question, I request that you take the following actions : Investigate this inquiries and confirm whether it was made with my express authorization. 
Remove the unauthorized inquiry from my credit report, as it was not authorized by me and does not reflect accurate or fair information. 
Please provide me with a copy of the results of your investigation, along with a corrected version of my credit report once the unauthorized inquiry has been removed. 

I understand that the credit reporting agency is required to complete an investigation within 30 days of receiving a dispute. If the inquiry is not verified as authorized, I expect its immediate removal from my report. 

In the event that you fail to resolve this matter, I may pursue further legal action under the FCRA, which may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) or taking legal action in a court of law.

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
The card was opened in XXXX of XXXX. I had a balance of {$2700.00}. Made payments on time each month but because they take 7 to 10 business days to post the payments they always add a late fee in the amount of {$40.00} each month. They don't specify how much interest will be added and on XX/XX/XXXX an interest charge was added to my account in the amount of {$890.00}. Account was closed and I asked them what the payoff would be. Because of the way they post they added additional charges after I asked what the payoff was. XX/XX/XXXX additional interest added in the amount of {$120.00}. Account paid off on XX/XX/XXXX XXXX. Had to pay additional amount on XX/XX/XXXX of {$15.00}. Which showed {$0.00} due. Now have another interest charge in the amount of {$19.00} and they are stating that I will have another interest charge next month as well. Unfair and predatory lending is what this seems like to me. The terms are confusing as well, CareCredit offers two types of promotional financing options : Deferred interest financing. No interest if paid in full within six, 12, 18, or 24 months on qualifying purchases of {$200.00} or more at enrolled provider locations and select retailers in the CareCredit XXXX. That does not specify that it has to be a year it misleads a person into thinking they have up to 24 months.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
These agencies have shown a pattern of negligence and willful noncompliance by allowing these unauthorized items to persist. This behavior is reckless, harmful, and a clear violation of your obligations under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-04 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: CA

Complaint narrative:
I am listing accounts and inquiries 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 and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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

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 2024-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi, Captial one, is charging interest even after the card is paid in full, two months after the card was paid. I pay my cards full every month. Capital, one charged annual fee and was told the card is free from annual fees. Then they charge interest rate for the annual fee. I paid the account in full, but they keep on charging interest on the card. According to them you will pay interest for 2 months even if the card paid in full. Their practice is theft and scamming consumers. 

I was on the phone with them for an hour. They refuse to refund or address the issue. I closed my account. They refused to refund me the annual fee. 
I need your help ; I can't imagine that they are not doing this other consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I have been a member with Navy for over 10 years. I enrolled in the OOPS program with them. Optional Overdraft Protection Service. I had two payments to that i had scheduled through Navy and they did not cover it. The kicked me out of the program without any notice. Charge me two {$29.00} fees and i also had to pay a return check fee to both merchants. Again I have been in the program for years and understood they will cover my transaction but i must pay them back within 30 days. In this case, I was paying them back in a week 's time. I believe this was retaliation since i had recent filed XXXX. This is an unfair practice because I was not notified until after the fact. If I was aware before time, the payments would not had been submitted through them. Please review attached documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I do not recognize this XXXX XXXX XXXX XXXXXXXX account nor did I give them written instruction to furnish anything on my consumer report. This is a fraudulent account that does not belong to me. I do not have any legal binding contract with this company that states I owe them any debt. This account does not belong to me. 

In addition, your company furnished this account on my consumer report without my written permission as stated by federal law that is illegal to do so. The creditors listed above used my identity without my consent which violated my consumer right, my rights to privacy, and have stolen my identity.

Company response to consumer: Closed with non-monetary relief