vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-11 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OR

Complaint narrative:
In XXXX of XXXX the XXXX household contracted XXXX. During this time XXXX and XXXX reached out to their bank ( XXXX ) to ask for XXXX assistance. XXXX immediately agreed and said it was taken care of. Unfortunately they mistakenly deferred their HELOC. When this error was discovered XXXX bank assured the Schmidhamers they would fix the mistake and defer the missed mortgage payments due to covid. Unfortunately many more errors followed and right before they were told it was all going to be fixed soon the loan was transferred to Mr.Cooper. The XXXX  then restarted the entire process for Covid relief with Mr.Cooper. Unfortunately the process lasted much longer than anticipated and ultimately it was mistakenly denied when Mr.Cooper requested a quarterly profit and loss statement for a business. The XXXX  do NOT own a business of any kind. Even though XXXX called on several occasions to address the issue and continued to provide months of paystubs by her employer and tax returns Mr.Cooper denied the claim because a document that does not exist wasnt provided. After this unfortunate event the Schmidhamers restarted the entire process over and were reassured again that everything would be fixed and not to worry. On XX/XX/XXXX the family received the news they had been waiting for. A letter saying congratulations and explaining the past due loan amount would be deferred and be due at the end of term with regular mortgage payments restarting on the date of XX/XX/XXXX. XXXX called Mr.Cooper to verify the letter and again had the long awaited good news confirmed. XXXX called again a week or so after to ask if the mortgage payments would be auto deducted and was told just to call on XX/XX/XXXX to make the payment. Unfortunately this was all later found to be completely untrue and the Schmidhamers learned that not only was nothing resolved but they would again have to restart the entire process. Mr.Cooper informed them that they missed the deadline to complete the paperwork for the USDA Covid relief they previously stated the Schmidhamers were approved for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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 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 crimes 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-11 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-11 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
There is information on my Consumer report that I did not provide written permission or instructions for identified transactions to be reported on my consumer report. Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) - Permissible purposes for consumer reports ; In general ; In accordance with written instructions of the consumer to whom it relates. 
Experian and XXXX are in violation of the Fair Credit Reporting Act. In addition to 15 U.S.C. 1681c- Requirements relating to information contained in consumer reports ; No adverse item besides the conviction of crimes should be on your report, any item that is derogatory mark is not allowed into consumer reports, that is another violation.

12 C.F.R. 1022.3 defines Identity Theft as fraud committed or attempted using identifying information of another person without authority. According to the Fair Credit Reporting Act 15 U.S.C. 602 states, " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers ' rights to privacy. '' Experian and XXXX are a consumer reporting agency, and I am the consumer. I have the right to make sure my private information is not shared, which is backed by 15 U.S.C. 6801- " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ' As of XX/XX/, there is an Auto Loan, Unmailable addresses and phone numbers on my report that are unauthorized by Experian and 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 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2023 I was supposed to receive my social security check by direct deposit through PayPals prepaid Mastercard in the amount of {$1500.00} but it was never sent to my account. The U.S. Treasury, The Social Security Administration, and XXXX all confirmed that the amount had been sent out on the morning of the XXXX. Ive spoken to people in several different departments at Paypal and they have denied all responsibility, and have claimed the account doesnt exist, they could help me get it back through the direct deposit department, that nobody was available to help me, call XXXX because they cant do anything, and that my last deposit was actually this deposit when it wasnt. I have proof from the government that I am owed this money and PayPal is trying to deny that it ever existed. I really need help because this check is what I rely on to live and right now I only have {$25.00}.

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 2023-07-11 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: VA

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2023 I once again reviewed all three of my credit reports from Experian, XXXX and XXXX to find that I am the victim of identity theft and my information was fraudulently used to apply for car loans and credit cards. There are multiple inquiries from these companies that I am requesting to be deleted immediately. I have already filed an FTC report and a Police Report. 
The credit bureaus are in violation, reporting that these inquiries into these credit applications were determined to be factual, but this is incorrect and they are refusing to remove these inquiries.

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 2023-07-11 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: WA

Complaint narrative:
Capital One bank, specifically on a Capital One Venture credit card. 

This relates to an interest charge accrued on XX/XX/2023 to the sum {$4.00}. Yes, it's not a lot. But it's the principle of the matter. 

On XX/XX/XXXX, I called to ask about this interest charges. They explained, " There's a delay between your auto-payment date and when the funds are received. And that's why there's the interest charge. Because it compounds daily. '' Okay. 

So, I had previously set the autopay to pay the statement " in-full. '' Because I do not want to carry a month to month recurring balance. However, Capital One will not let me set a payment date earlier than the due date. Meaning, if the payment was due on XX/XX/XXXX, then Cap 1 requests money on XX/XX/XXXX, they are charging interest every day until they receive the funds, per the representative. 

This does not feel fair. 

So rhetorical question, if this is the case, why can I not set the auto-payment to fire/pull earlier? Based on the representatives explanation, it feels like they've intentionally programmed the payment settings to collects a few extra dollars here and there. 

I called again on XX/XX/XXXX, around XXXX XXXX  XXXX to ask if they'd eliminate this charge. We escalated to a supervisor who said " no. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with The fair Credit Reporting act. The list of accounts below has violated my federally protected consummer rights to privacy and confidentiality under USC 1681. I told Experian, XXXX, and XXXX to reinvestigate these accounts XXXX XXXX XXXX XXXX XXXXHowever, they stated everthing was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. ACCORDING TO 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporthing correctly. 15 U.SC. 1681 section 602 A. States i have the right privacy. 15 U.S.C. 1681 SECTION 602 A. States 2 : it alson states a consumer reporting agency can not furnish in an account without my writtten instructions 14 U.S.C. 1681C. ( A ) ( 5 ) Sections 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 crimes which anetedates the report more than seven years.15 U.S.C . 1681S-2 ( A ) ( 1 ) A persom shall not furnish any information relatimg to a consumers to any consumer reporting agency if the person knows or has reasonable cause to belive that the information is inaccurate. Also they arent even in compliance with metro 2 credit reporting. i have evidence to prove my case

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 2023-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Capital One took {$1000.00}. 
There is no accountability for this money. 
I had done a bank transfer from to XXXX to Capital One of {$1100.00}. 
They said they gave it to Social Security. Social Security don't have the money. They said they took for my dead husband who died XXXX years ago. Social Security told me to tell them to give it back because XXXX didn't owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FISERV FINXACT CORE
State: SC

Complaint narrative:
I own a small music school. I collect payments from my customers using their credit cards. Another company, Fiserv, processes the transactions, and forwards the money to me minus fees. 
I receive statements from Fiserv showing the details. In the last two months they suddenly started subtracting money for " adjustments ''. I called and they said this was for tax withholding. 
This money is for my gross sales. I don't owe taxes on gross sales. And, I never authorized such activity. 
They have misappropriated almost {$10000.00} of my money in two months and my business is now in jeopardy. 
I know of another business owner who lost {$6000.00} to this same company. 
Fiserv, XXXX, Nebraska. website : 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 2023-07-11 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report to delete an remove all inaccurate information with experian. this has been an ongoing issue that needs to be resolved. it has been multiple times ive addressed this issue an nothing has changed. these has caused alot of denials an information needs to be deleted an verified correctly. please delete an remove the requested information submitted asap.

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 2023-07-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Delete this account. 

XXXX. The following personal information is incorrect Account Number : NAME : XXXX A XXXX A XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it 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 2023-07-11 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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 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 crimes 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 of 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 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT XXXXXXXX XXXX XXXX  Account number : XXXX - IDENTITY THEFT 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 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 crimes 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 of 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 explanation
Consumer complaint received 2023-07-11 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
Hello- I put a dispute in for a package I never received. Pay Pal credit has not resolved my dispute and it has been more than 60 days. Every time I call they say it will be taken care of and it never has been. I have sent them documentation that the merchant agreed I should be refunded and they tried to refund me but it didn't go through. the documentation was a email written by the merchant. Pay pal still has not removed the charges. This happened back in XXXX. I'm beyond frustrated and tired of calling Paypal credit. They keep telling me, 'it should have been removed, let me contact a manager ' but still nothing has happened. Instead they sent me a letter stating they have opened up a dispute. Well a dispute was already opened. So I don't know why they would send a letter stating that.

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 2023-07-11 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: SECURITY FINANCE CORP
State: OK

Complaint narrative:
My report is showing the same account twice for security finance. Both are filed as charge off accounts but I only have one account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 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: HEARTLAND PAYMENT SYSTEMS INC
State: FL

Complaint narrative:
Per last complaint, XXXX university agreed that if payment plans were set up that they would close their assignment to the collection agency and apply a hardship deferment to the account, which would clear the past dues. the hardship would also allow esci to update the past credit history to current and good standing. 

Payment plans were set up and payment actually has already been completed, yet XXXX and esci have both failed to correct the issue, all that has been updated was that monthly payments have been set up. Please resolve at your earliest convenience, thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I just have tried to change it in my credit report apps then get directed to TransUnion but won't let me login.

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