vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/21 I noticed a pending transaction on my Chase banking account for a wire transaction of {$2600.00} through XXXX. I never once received a fraud alert on this said transaction. I called Chase immediately and reported the fraudulent transaction. On XX/XX/21 I received a message from Chase saying that the transaction was processed and no funds would be restored to my account. I called Chase and asked what this was about. To which they said that they were not able to recover the money from the transaction and that I would have to contact XXXX directly to dispute the charge with them to try and get my money back. Which signifies that Chase recognizes that this was a fraudulent transaction on my account, but refuses to do anything about it. So Chase who boasts about their fraudulent alerts on their website, not only did they not catch this largely suspicious transaction, but now I have to do their work for them and hope that I get my {$2600.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed 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 2021-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mortgage company=seterus inc XXXX XXXX XXXX XXXX, CT XXXX Loan # XXXX Try to refinance in 2017 and was denied I was struggling with payments and it was an FHA loan and they did not want to hear me and I was not able to get anything resolved through seterus inc

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have been violated by XXXX XXXX XXXX  on XX/XX/2021. This is the second time I am filing a complaint about the same issue. I am a victim of identity theft and did not give permission to anyone for assumed access to my information. Transunion is now negligent in failing to comply with the U.S. Codes of Law.

I know my rights and am protected under the following laws by the United States Court of Law : 15 U.S. Code 1681n 15 U.S. Code 1681o Please have this inquiry removed 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 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I opened a checking and a savings account on XX/XX/2021 online with BMO Harris bank. I funded each account with {$25.00}, for a total of {$50.00}. I received a letter a couple of weeks later asking me to provide copies of ID card, Social Security Card and utility bill. My accounts were frozen and I lost access to them online. I called the customer service line and was asked to email the docs to XXXX, which I did on XX/XX/2021. A week later today, I have yet to hear back from the bank, and I still do not have access to my online accounts, nor do I have access to the funds in my accounts.

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 2021-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In XX/XX/XXXX, Navy Federal took {$2000.00} from my checking account to pay off my credit card balance I had with them at the time with no permission. They took it upon themselves to pay themselves without my consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WI

Complaint narrative:
In XXXX I tried to work out a loan modification. however, due to covid and being self employed, I was unable to make payments. 
THey just denied my forberance request due to me " previously being on the plan ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Bureaus, Inc.
State: CA

Complaint narrative:
My XXXX credit score is being decreased when I have collections removed or paid in full. This issue is causing me financial hardship and hindering my chances of owning a home. This collection was withdrawn out of my checking account and paid in full, the creditor is still reporting that I owe it. 
XXXX XXXX XXXX  # XXXX ( PAID IN FULL ) XXXX XX/XX/21 Original creditor : XXXX XXXX XXXX 
{$340.00} Date Description Amount Balance XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX Credit Card Payments Credit Card Payments - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit reporting agency is reporting in accurate personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: IL

Complaint narrative:
My credit information was compromised via the XXXX data breach a few years ago.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: IL

Complaint narrative:
My credit information was compromised via the Equifax data breach a few years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a mortgage loan with Fifth third bank, fifth third has not been reporting my loan to the credit agencies since XX/XX/XXXX. I have reported this to the bank, the XXXX agency, the consumer financial protection bureau.All of these letters sent since the spring of this year, with no correction or even any apology from fifth third. Fifth has tried to foreclose on my home at least twice while I went through a chapter XXXX. I sent you all a copy of a letter fifth third sent me after the chapter XXXX ended that stated they would notify all of the credit bureaus on XX/XX/XXXX.I now believe this is an intentional act on their part to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Herbert P. Sears Co., Inc.
State: CA

Complaint narrative:
HP Sears is claiming that I owe them {$1800.00}. i refuse to pay the debt and I asked them to validate the debt via several letters but have not received a response AT ALL! Each letter was sent certified mail and was tracked and confirmed delivery at their address. I asked for an original wet ink signature, the contract between me and HP Sears stating that we were in business and they have the right to collect on a debt and they still have not sent me anything. The most recent letter I sent out was back on XX/XX/21 and still did not receive any correspondence back. They do not have the right to put this on my credit without giving my any proof that it is mine!

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 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Credit reporting agency is reporting in accurate personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I called on XX/XX/XXXX to report an odd XXXX dollar charge I didnt recognize. I was told I would receive a replacement card in a day. 
I wasnt sent a Chase United Visa, instead I was switched to a MasterCard with no numbers embossed. I was never told that I should expect a change in card, brand and terms.

I called and had to agree to language that I had authorized the switch to Mastercard, when I never did. XXXX  from Texas filed a complaint only after in insisted and used passive aggressive language that would not acknowledge the failures of the Fraud Department. Repeatedly, I was denied a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
Navient says that I can lower my payment from {$300.00} to {$25.00} per month based off of the Income Based Repayment Plan however, when I go to the Federal Student Aid and, talk to the people there, they say that I dont have any loans so, I can not do the income based repayment. I have been going round and round with Navient but, they will not help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I noticed my score dropped over 120 points end of XXXX and there was a delinquency reported from Wells Fargo on my car loan. Wells Fargo reported my car loan as closed, settled for less than owed and late. I reached out to Wells Fargo and disputed the issue with all three bureaus. XXXX, XXXX and XXXX confirmed that this info has been reported by the creditor. I filed a complaint with Wells Fargo. The case analyst who was handling my complaint promised me on XX/XX/XXXX a letter in the mail saying that the account was never late. Not delinquent and it is still open. I have been waiting for this letter to arrive in the mail. Unfortunately Wells Fargo has not been helpful, I just received the letter today and the letter is dated XX/XX/XXXX. The letter only say that the account was never late. No mention at all that this account has not been settled. Wells Fargo admitted that it was an error in their behalf, but they had taken no action to correct except sending again incomplete information. I just refused a letter from XXXX of my creditors who closed my line of credit because of this false delinquency. I have filed another complaint with Wells Fargo last week when I have not received the letter. Spoke with XXXX another analyst from the president office last week and he said the information has been corrected with the bureaus and there is nothing else he can do for me. 
This is unacceptable, Wells Fargo did report incorrect info to all three bureaus. XXXX confirmed that Wells Fargo only reported that XXXX payment has been made and now they removed the late payment to XXXX, still reporting the account as closed and settled for less than owed. This makes no sense. Wells Fargo has to request from XXXX to remove the remarks and the delinquency and report that my account is stil OPEN IN GOOD STANDING. I was very specific about what I asked and they still dont want do their part. I will escalate this and I will seek legal action. This has to be resolved 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 non-monetary relief
Consumer complaint received 2021-11-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: VA

Complaint narrative:
I was provided a preapproval letter and provided that to my agent snd the listing agent and then was told after receiving the letter that I needed to pay off a vehicle and a small loan to qualify. That information was not listed in the preapproval and then the Loan Officer advised the listing realtor that she did not provide a preapproval for myself. I have put my monies down and paid for an inspection for this home and now I have nothing and I look like a buffoon and a liar. This is very unfair and I just wish for a resolve to help me so that this company will not do this to anyone else. The company in question is Cardinal Finance and the Loan Officer is XXXX XXXX. She began as a very pleasant person but it ended as if she felt as though I was a second rate citizen who did not possess the know how snd I have made two purchases for homes prior to this experience and it was not like this at all. Falsifying paperwork to provide to other entities and using verbiage that is not viable to your request again is unfair. If I did not meet the criteria for the loan then she should have not provided a document for preapproval she should have only provided the document for what I qualified to received which she told me that I only qualify for XXXX through their automated system and not XXXX or XXXX which ground gave subsequently been the loan amount after the down payment. Please help to resolve this issue so that other consumers like myself can be clear or in essence set in place that a lender can not issue a preapproval for an amount without ensuring that the borrower is clear on any conditions prior to releasing that document and publishing it on their companies dashboard for the consumer to docusign and accept.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: AR

Complaint narrative:
I need the following removed off my equifax account, Ive tried to resolve the issue with them and sent in identity theft paperwork. 

But now I can't even see my credit report on the Equifax website. Only shows 1 account so they won't let me dispute. I had to pull this from XXXX XXXX to see what's on my file.

Accounts needs to be removed XXXX XXXX/XXXX  Closed Closed XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed Closed XXXX XXXX Inquires All inquiries need to be removed, I haven't applied for credit in over years

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
Hello. I rarely use international transfers, I used XXXX and Western Union without any problems. On XX/XX/21 I made a {$3600.00} transaction in XXXX to my son from my bank XXXX XXXX XXXX XXXX XXXX via Western Union. In XXXX, because of the covid protocol, there were restrictions in the work of the Western Union, then they did not have a sufficient amount (! ), then they said that there were some problems with the transaction. I called Western Union to confirm the transaction onXX/XX/XXXX, but they just transferred the money back to me. Okay, I went to Western Union located at XXXX store in XXXX TX. There I was told that they did not have the entire amount (! ) And I had to go to the other store. I tried to convince them that I do not need money and I want to send the entire amount to XXXX again. I said that they shouldn't give me the money, they would just forward the transaction. But they refused and said that it looks like a scam!!! A few days later, about two weeks ago, in Western Union located in XXXX XXXX TX, I asked to resend money to my son again. The employee tried several times but without result. Then she returned the entire amount of {$3600.00} + sending fee to me and tried to do the whole process from the beginning. She didn't succeed ... She advised to try again in a few days. But I got the idea! I have an account in XXXX, but the custom service told me they do not make international transactions and advised XXXX. Oh XXXX! A huge company! They can help me! I opened an account, confirmed my identification and the identification of my bank. My son in XXXX did the same. XX/XX/21 I tried to make a transaction : {$3600.00}, {$1800.00}, {$360.00}, {$180.00} but only {$18.00} succeeded. I thought because I'm a new client, my account has restrictions or a limit. But XXXX custom service reported that my account is transparent/clear and does not have any restrictions or limitation. But they see that my transactions do not go through the XXXX XXXX XXXX. What is the reason for this they do not know and advise me to try it in 48 hours and my son should make a payment request. We did it. My son made a request and I waited 62 hours. As you already understood, I could not make a transaction today... This is money for my son for a wedding and this is the my first gift for this. This is a transaction from a legal person to a legal person, from a legal bank to a legal bank, from legal money received from legal work! My son and I do not have any criminal or financial problems and I hope this is some kind of mistake and can be easily fixed! Sorry for the long post, but I tried to make a complete picture. Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I paid my BBVA ( now PNC ) on XX/XX/XXXX through XXXX  XXXX XXXX XXXX XXXX. I started receiving collection calls from PNC after my due date. Every time I told them I had already paid they would tell me to wait to see if the payment posts. I called XXXX  XXXX XXXX XXXX XXXX and found out the check ( XXXX XXXX ) was processed on XX/XX/XXXX. I then called to escalate an investigation with PNC on XX/XX/XXXX. They said I would hear from someone in 2 business days. I did not receive a call until today XX/XX/XXXX telling me they are from escalations/ investigations and they have not received a payment. I was told I now need to go to branch and give them my proof of payment with an endorsed check. The copy I have from XXXX XXXX XXXX is not endorsed but I will take it to a branch on Saturday. I have spent several hours trying to resolve this and asked if anyone from PNC can call XXXX to verify the info I have given them. They said they cant. Im still unclear if going to the branch will resolve this issue. 

This is clearly an issue with the system conversion from BBVA to PNC in XXXX and PNC has done nothing to help resolve it. Im concerned this will have a negative impact on my credit rating.

I cant be the only customer this has happened to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NC

Complaint narrative:
Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 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: NC

Complaint narrative:
Reporting information that is misleading and unverifiable. If you are going to " verify information come with proof and follow guidelines of the law. Under 15 USC 1681i ( 7 ) Method of verification I as the consumer is supposed to receive the steps they took to verify my disputes and they failed to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Credit reporting agency is reporting in accurate personal information.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation