vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
Mr. Cooper, formerly known as Nationstar, just notified me today XX/XX/2023 via a USPS mailed letter that they are transferring my mortgage loan to another servicer, effective XX/XX/2023. That currently leaves me with less than 8 days to address this change. 

Mr. Cooper 's letter notes that " the law requires that your present servicer send you this notice at least 15 days before the effective date of transfer ... '' Clearly, that amount of time has not been provided. 

The slow USPS delivery has been public knowledge for several years now and leaving the customer to scramble to address this change with less than the law allowed allotted time is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
On XX/XX/XXXX I made a {$1000.00} online payment to the XXXX XXXX XXXX Funds are not credited to the account yet. I received the following answer when I complained online : Normally payments and transactions take 48-72 hours to post. However a payment may take longer to reflect in your available credit due to : Previous Returned Checks Payments on new accounts Amount of Payment I expect the bank to credit my account as soon as it receives the funds. That is my experience with my other accounts at XXXX XXXX and XXXX credit cards.

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 2023-03-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I'm composing this complaint to JPMCB. I wrote to them about the errors in my report, including dates of last activity, dates opened, dates reported, and payment status, among other things. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. However, when I reviewed my report, I found that nothing had changed. The false information is still being reported. 

Numerous times, my rights have been violated. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to dispute several hard inquiries on my credit report. According to my credit report, there have been several hard inquiries made by various lenders over the past few months that have negatively impacted my credit score. 

I understand that lenders have the right to request my credit report as part of their lending process, but I believe that these inquiries were made without my consent or authorization. I have not applied for any credit or loans during this time period and have no knowledge of any lenders or financial institutions conducting a credit check on me. 

As you are aware, hard inquiries can stay on a credit report for up to two years and can have a negative impact on my credit score, which can affect my ability to obtain credit in the future. Therefore, I am requesting that these hard inquiries be removed from my credit report immediately. 

I have already contacted the credit reporting agencies and disputed these inquiries, but I have not received a satisfactory response. I am hoping that your organization can assist me in resolving this matter as soon as possible. 

My credit report clearly shows the unauthorized hard inquiries. Please let me know if you require any further information or documentation from me to resolve this matter. 

Thank you for your assistance in this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: MS

Complaint narrative:
The amount is incorrect the company kept the security deposit of {$2000.00} dollars and additionally said I owed them almost {$3000.00} dollars due to damages on a home left in excellent condition. There was not a write out or any receipts giving to me saying how I owed the amount requested and legally wear and tear does not count.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
Name : SPRING OAKS CAPITAL LLC Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone Number : XXXX ) XXXX Collection Cost : {$830.00} Debt : Credit Card Amount : {$830.00} Original Creditor : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
I opened a PayPal account so my electric company could send me smart rewards every month. I also linked it to my checking account so I could transfer my balance periodically. PayPal verified my checking account and I transferred once or twice. I recently tried to transfer my balance and was alerted that my account had been limited. In order to resolve the limitation I am required to provide them a copy of a government ID with a photo, AND, verify my address, AND send them a copy of my bank statement. 

I think this is outrageous I see no reason they need that information, and am concerned about the security of having all that info on file. 

I called this morning and their customer service rep said I can not close my account while there is a balance ( I have {$20.00} credit ) and they will not allow me to transfer my credit until this is resolved ( ie : until I provide all the above information ). I don't care about the {$20.00}, but I do care about having a credit card and bank account information on file with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: V and H Portfolio
State: TN

Complaint narrative:
On XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. 

XXXX XX/XX/XXXX I received a phone call from a company called XXXX XXXX they said I had a debt from XXXX I have not heard of this debt nor recall this debt. They said as well they sent out letters to me about the debt but I have no received any form of such debt, today I check and they pinged my credit for it immediately without any communication of the debt. The total debt is XXXX I will not pay this much for a almost 7 year old debt I will pay XXXX dollars to it for a pay to delete immediately or none at all cause I was not aware of this debt the only reason I know about it now is because they reported it to my credit bureaus without communicating with me first, no letter and no phone call so they either remove this debt off my credit immediately for inaccurate information or they let me pay the XXXX dollars to the debt to delete it off my credit. This company did not follow the right guidelines to reporting a debt as there was no letter stating I had a debt before they decided to put it on my credit so I was unaware of it. The manager harrassed me and said if I looked at the email they sent me yesterday that I take full responsibility for the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Checking or savings account — Checking 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: KEYCORP
State: MI

Complaint narrative:
Key bank has taken my money and wont give it back even though XXXX XXXX which is who they took my money for has told them on A LOT of occasions I DONT OWE THEM! But for some reason they refuse to give my money back. The manager of the hotel has agreed to talk to them and has sent emails. Ive sent emails and so have XXXX. They still wont refund my money. I dont have a lot of money so I need it back ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXX & XXXX Account XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX  Account XXXX XXXX XXXX Account name XXXX Account XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX & XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX  XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-22 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: EQUIFAX, INC.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX Account name XXXX Account name XXXX XXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX XXXX Account name XXXX  Account name XXXX XXXX  XXXX Account name XXXX XXXX Account name XXXX XXXX  XXXX XXXX Account name XXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX  Account name XXXX XXXX XXXXXXXX XXXX Account name XXXXXXXX XXXX XXXX Account name XXXX XXXX Account Number : Account Name : XXXX XXXXXXXX XXXX  XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions .

15 U.S.C 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from 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 non-monetary relief
Consumer complaint received 2023-03-22 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Police report was obtained with someone commiting identity theft on several accounts. Remove all iems from 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 2023-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have 4 cards with capital one. I spoke with them multiple times about the XXXX hardship i have been experiencing. I asked them about a hardship program to help pay down my balances. The interest rates they charge me are so high. They were unwilling to help me. I closed all the cards yesterday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
A week and a half ago, I went to deposit {$2400.00} of my personal money to my banks ATM. The ATM machine took my funds but did NOT deposit it into my account. The ATM didnt give a recieot either. The teller, XXXX XXXX, said she would contact me with an update, regardless of the outcome. A week passes, she never does. I had to physically return to PNC looking for her just for her to say my dispute was denied, she doesnt know why, theyll be sending me a letter. 
I feel she lacks integrity for the job. And PNC as a whole is just a huge scam to me at this point

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-22 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: WI

Complaint narrative:
I have repeatedly disputed the account California XXXX XXXX XXXX on my report and they keep verifying that it is accurate after being provided physical evidence of it being paid off already.

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 2023-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Apothaker & Associates, PC
State: PA

Complaint narrative:
XXXX XXXX I, XXXX through its lawyers Apothaker Scian P.C . garnished my bank in XX/XX/XXXX and again in XXXX for money not owed to them. I had petitioned the Court to strike the Default Judgements Apothaker Scian P.C . obtained without notifying me with a required Certified Mail 10 days notice. Both petitions were granted for the Judgements to be striken. However, Apothaker Scian P.C still did not reimburse me for the {$250.00} fees I lost due their attempts to steal from my bank account. It caused me to suffer {$250.00} in loss for non refundable bank fees and have refused to repay it. They also damaged my Credit Report and have refused to compensate me for the damage on my reports since XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I do not believe that I should be liable for the amount that they are saying I owe them. The original amount {$2200.00} that was given to me when I declined the " chance to not upgrade my vehicle '' and the poor customer service I was given that day. I was provided documentation which states the amount that was given to me. They then reported an amount of {$4900.00} to the credit bureaus. I contacted the company and spoke to XXXX who indicated that I owed over $ XXXX. She then sent me the documentation indicating I did indeed owe over XXXX. With the lack of correct information that has been given to me over and over with this company proves inaccuracy. Again I am requesting for it to me removed from all three credit bureaus as they have proven inaccuracy numerous times and Under the Fair Credit Reporting Act ( FCRA ), you have a right to the fair and accurate reporting of your credit information.

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 2023-03-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello, I was reading an article that stated that if you had an auto loan with Wells Fargo Dealer services I may be entitled to a refund for over charges during my loan. 

My loan was from XX/XX/XXXX to XX/XX/XXXX. I tried calling Wells Fargo and was on hold for XXXX. So I also saw this option of contacting you. I pulled my credit report and did not see my Acct #. My last 4 of Social are XXXX. 

Thank you, 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 2023-03-22 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: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
I got an another medical bill from collection agency, but the same amount ( {$1000.00} ) is in my credit report ( before collection agency company was Nationwide recovery system XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX. Tel XXXX activity XXXX XXXX XXXX XXXX  ). Today collection agency company is XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MN XXXX tel XXXX activity XXXX XXXX XXXX ( collections ), the original bill was charged on XX/XX/2017 for medical service, but this bill wasnt mine, it was someone name on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The accounts listed below are inaccurate and incomplete. The presence of these accounts on my credit report is damaging and must be removed. I respectfully ask that this accounts be investigated and removed from my file.

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