vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Regional Management Corporation
State: MO

Complaint narrative:
Sometime inf XXXX XXXX Regional Finance APPARENTLY sent me a check for {$3000.00} via mail. In XXXX, they started calling me asking about my payment on the account. I said " what account?, I don't have an account with you '' She said, well, we sent you a check in XXXX, I told her right then, If I had received a check, I would not have cashed it, as we were doing fine, financially at the time..I would have torn it up. 
She said, this must be fraud and she would send me form to fill out to claim the fraud. They did send the form requesting all of my personal information, social security number, Dr. license, etc. I took the form to police department to get a police report and they looked on their computer and said this was a scam and they were trying to get information from me. They thought they might be preying on the XXXX 
Regional Finance has been calling me 4-5 time a day on my cell phone and have harrassed me at work. It has been extremely upsetting. A lawyer sent them a cease and desist letter, but they keep calling and have reported to my credit report. I'm not sure how they got my social security number. XXXX at Regional Finance is saying I need to come to XXXXXXXX XXXX ( 90 miles from here ) to sign a fraud form, but I don't feel like it is my fault they decided to send a random check ( written to XXXX XXXX ) whoever that is. They have screwed up my credit now and I'm hoping to get help getting them to stop! I would like to keep other people informed about this company, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
PLEASE UPDATE MY PERSONAL 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 2023-11-05 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: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Nordstrom did a hard inquiry to my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: FL

Complaint narrative:
i have submitted several disputes to all the major credit reporting bureaus ( XXXX/Equifax/XXXX  ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date Equifax is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. XXXX is reporting a high balance of {$0.00}. Equifax is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. XXXX is reporting date of last activity as XX/XX/22. Equifax if reporting date of last activity as XX/XX/22. XXXX and XXXX are reporting date of last payment as XX/XX/22 but Equifax reports it as XX/XX/22, which again makes me question if this account is even mine. Equifax is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all XXXX bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: LA

Complaint narrative:
I sent letters out XX/XX/2023 to XXXX, TransUnion, and XXXX, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information 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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I sent letters out XX/XX/2023 to XXXX, XXXX, and Equifax, Here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. Incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Wednesday XX/XX/2023 I received a call from pnc over a {$1.00} charge to my account flagged as suspicious activity. They had asked if I authorized any charges and I said no. They then suggested a card replacement I asked how long it would take to arrive and they said 3 days and I would receive it by Saturday the XXXX. I said I CAN NOT be without access to my paycheck that is directly deposited into my account on Friday XX/XX/XXXX and that I do not want to do so if there was ANY possibility I would not have access to my money as this would cause severe and permanent damage to my health and living situation. Against my wishes They proceeded to do so. It was not until Saturday I learned my debit card had been deactivated while trying to buy food and get my prescriptions. At this time the banks had closed for the weekend and I was unable to get an XXXX back to my home 10 miles away. They told to go into a branch to get money and I had to tell them that they closed at XXXX on Saturdays. Next they said I can use cash app and link my bank account. After having to WALK 10 miles home and NOT being able to work my scheduled shift when I tried to link it to XXXX XXXX I it turns PNC dose not allow XXXX XXXX to be used. I have asked PNC to reactivate my old debit card and they said they could not do that. Then I asked them to activate my new card and they refused to do so and gave me " other '' options and every one of those would work but it WILL REQUIRE an active debit card. The last option was to use XXXX and I was able to link my account but it still requires the ACTIVE debit card to proceed. I do not have a car I can not just go to a branch. They have no knowledge of requirements to use 3rd apps and have no current options for account holders to have an ability get their money in emergencies situations or even care for that matter. For them to tell me to ask my friends family or neighbors to borrow money when I have it is not only insensitive, it makes me ask what is the point of using a bank if they claim you will always be able to access your money and trust them, but then destroy your quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
Complaint Regarding Cybersecurity Incident and Financial Concerns with Mr. Cooper I would like to file a formal complaint concerning a cybersecurity incident reported by Mr. Cooper on XX/XX/2023. Since the incident, both their website and phone access have been inaccessible, leaving customers like me in a state of distress and uncertainty. 

My primary concerns are as follows : 1. **Inability to Contact Mr. Cooper : ** As a customer, I have been left with no means to contact Mr. Cooper to address my concerns and inquiries. 

2. **Property Tax Payment : ** My property taxes are due on XX/XX/2023, and they are typically paid through my escrow account. I fear that due to the cybersecurity incident, Mr. Cooper may not be able to make the payment on time, which could have serious consequences for my homeownership. 

3. **Personal Data Compromise : ** I am worried about the extent of my personal data that may have been compromised in the breach. This includes my social security number, place of residence, and ACH information, which could lead to potential identity theft and financial loss. 

4. **Account Access and History : ** With the website and phone access disabled, I am unable to access my account information, such as my payment history and current balance. This has implications for my ability to manage my finances effectively. 

5. **Extra Principal Payments : ** I make additional payments towards my loan 's principal every month to expedite its repayment. I want assurance that these extra payments will be correctly applied, given the circumstances. 

6. **Fees and Interest : ** While Mr. Cooper has assured that there will be no fees incurred during their efforts to resolve the issue, my concern extends to the potential extra interest accruing on payments and additional payments that may not have been processed during the downtime. 

7. **Upcoming Tax Payment : ** My greatest concern is the impending property tax payment due on XX/XX/2023. I have already contributed to my escrow account for this payment and can not afford to make it separately. 

I kindly request the CFPB 's assistance in addressing these pressing issues and ensuring that Mr. Cooper takes appropriate actions to safeguard its customers ' financial interests and data security. Your intervention in this matter is greatly appreciated, as it has a significant impact on my financial stability and peace of mind. 

Thank you for your attention and assistance in resolving this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
PLEASE UPDATE MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I noticed a charge on my credit card for {$68.00} dated XX/XX/2023 to a company in XXXX XXXX. I've never been to XXXX and it was clear to me that this was a fraudulent charge. I opened a billing dispute with Citi on XX/XX/XXXX stating that I didn't recognize the charge or the merchant and requested a refund of the charge. According to the timeline provided by Citi, they contacted the merchant on XX/XX/XXXX and gave them 30 days to provide proof of the charge being legitimate. On XX/XX/XXXX the merchant responded with some kind of record of an electronic charge. On XX/XX/XXXX Citi notified me that they had determined the charge was legitimate and I was responsible. However, looking at the information provided by the merchant, someone named " XXXX XXXX '' with the email address " XXXX '' made the charge in XXXX, XXXX. That is not my name, not an email associated with me, and I've never been to XXXX and don't know anyone there. It's very clear to me that this is a fraudulent charge and I'm not sure how Citi could have determined it's " legitimate '' when it's clearly fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The LAW has clearly established that financial institutions are not permitted to sell or disclose my nonpublic information without my written instruction, consent, or permissible purpose, and that I must have the opportunity to OPT OUT. I was not given this opportunity, and this is a violation of the FCRA, GLBA, and FDCPA. 

These are the specific violations that have occurred and the laws that make these actions unlawful with a penalty and remedy if pursued in court : 1. XXXX XXXXXXXX XXXX illegally shared transactions and experiences on my consumer reports. This is a direct violation of 15 USC 1681a ( 2 ) ( I ), which states that reporting information solely as to transactions or experiences between the consumer and the person making the report should not be reported. 

2. XXXX XXXX XXXX disclosed nonpublic personal information to a non-affiliated third party without providing me with the required notice under 15 USC 6802 ( b ) ( 1 ). 

With knowing the law, I DEMAND that the transactions and experiences of the XXXX XXXXXXXX XXXX account must be removed from all my consumer reports. I have registered a fee schedule with the court clerk in my jurisdiction. If this matter is not resolved within 7 days, I will take legal action, including but not limited to reporting this activity to all government entities and regulating agencies. I will seek out the IRS, SEC, FTC, FBI, FinCEN, OCC, FCC, CFPB, all applicable governors of the corresponding states, all applicable District Attorneys of corresponding states, all applicable Attorney Generals of corresponding states, and the Department of Justice to create and impose litigation and arbitration amongst all parties involved. Then I will seek legal representation ( with whom I already have an attorney on retainer ) to purse remedy based on my registered fee schedule and the unlawful acts that have occurred. My fee schedule includes the credit reporting agencies must pay me {$1000.00} per day for each day that they continue to report this false and fraudulent information. Also, after 15 days the credit reporting agencies must pay me an additional {$20000.00} in attorney fees. Additionally, XXXX XXXXXXXX XXXX must pay me {$2500.00} per day for each day that they continue to violate the FDCPA and engage in unfair and deceptive practices. 

I thank all parties involved for taking swift actions in resolving my matter at hand and obeying the law as I am demanding this XXXX XXXXXXXX account being removed IMMEDIATELY.

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 2023-11-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
We are selling our condo and closing on XX/XX/2023 but can not get a payoff quote for our closing due to Mr Cooper getting hacked several days ago. Ive tried calling and going to their website and get nothing. If we dont get a payoff quote to the attorneys in time, by Tuesday, this sale wont happen and will affect us financially. We need to get this payoff ASAP. 

Thanks much, XXXX XXXX XXXX XXXX IL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: IN

Complaint narrative:
Received statement on XX/XX/XXXX stating that total due on XX/XX/XXXX was {$260.00}. Received a statement today saying that {$75.00} was due on XXXX XXXX. No payment has been made when I look at nelnet website it says that I owe XXXX and have a {$25.00} late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to two multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( s ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
i have submitted several disputes to all the major credit reporting bureaus ( Experian/XXXX ) on my XXXX XXXX account. I've requested several times to look into the inconsistent information being reported. do date all i have received are notifications stating the account has been either updated or verified as accurate. To date XXXX is reporting a completely different account number. I don't even know if this is my account they're reporting. XXXX is reporting a high balance of {$750.00}. Experian is reporting a high balance of {$0.00}. XXXX is reporting a high balance of {$1.00}. XXXX is reporting date of last activity as XX/XX/22. Experian is reporting date of last activity as XX/XX/22. XXXX if reporting date of last activity as XX/XX/22. XXXX and Experian are reporting date of last payment as XX/XX/22 but XXXX reports it as XX/XX/22, which again makes me question if this account is even mine. XXXX is also reporting a {$0.00} credit limit. How is a balance owed on {$0.00} credit limit? I am entitled to a fair and accurate report. If this is the same account, why are they reporting different information across all 3 bureaus? I have requested verification and validation of this account OR complete deletion from my credit file. I have received neither.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian credit bureau is not fulfilling credit services offered under membership. Membership ID # XXXX. I purchased Experian XXXX XXXX, and I am not able to " refresh score '' to show new XXXX reports and scores. Currently the only update I can view is from XX/XX/2020 on both XXXX and XXXX. I have deleted previous browser history so that can not be the problem. I have tried this option many times and just get an error message. See picture for error message on Experian mobile app. This is unfair.

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 2023-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I have a Care Credit card through Synchrony. I've been paying the minimum payment because that's all I can afford right now, but I just noticed that for the past 6 months or so they've been charging me a " PYMT CARD SECURITY XXXX '' fee of about {$15.00} a month, eating up half my payment! I looked this up and found that it was a " payment security '' program that cancels my debt in case of unemployment, death, disability, etc. I did NOT sign up for this and I did NOT consent to this fee! I want ALL the money I paid for those fees BACK NOW or I am contacting the POLICE! Well, I suppose I am contacting the police right now, aren't I?

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
IVE DISPUTED THIS XXXX XXXX COLLECTION NUMRIOUS OF TIMES DATEING BACK FROM XX/XX/2023, XX/XX/2023, XX/XX/2023 ACCOUNT NUMBER IS XXXX AS IDENTITY THEFT, BECAUSE IVE NEVER HAD AN ACCOUNT WITH THEM. IVE ALSO ASK THE BUREAU TO VERIFY THIS AND ASK HOW DID THEY VERIIFY, HAVNT HEARD ANYTHING. PLEASE HELP, ITS HURTING MY CREDIT.

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 2023-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
the company is reporting my account payments incorrect, there should be no late payments. Everything should say on time

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 2023-11-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I have emailed Nelnet 3 times. I am unsure of the first email. But the second one was on XX/XX/2023 and the 3rd email was sent on XX/XX/2023. I have tried calling a few times and on hold for more than an hour. I have also tried to research previous payments and there are non listed on my account. I was currently paying a little over {$300.00} through XXXX and Nelnet is wanting {$610.00}. THAT IS NOT DOABLE WITH MY INCOME! I can not get through, I am not recieving help and I am more than frustrated. My student loans have not decreased in the last 20 years and it's beyond frustrating that I have to deal with a different servicer that apparently lacks competency. Since loans have been postponed for several years, they should be more than prepared to answer any questions and hired/trained more employees to do so

Company response to consumer: Closed with explanation