vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: PA

Complaint narrative:
I have made my monthly payments for XXXX and XXXX. The payments have posted and show paid at my bank and on Mohela 's website. Yesterday I noticed that there was an alert on my account that I do not owe a payment for XXXX as they " update my account. '' I called today, XXXX to ask what would happen with my XXXX and XXXX payments, and the rep " didn't know. '' The rep even asked their supervisor and they had no answer as to what would happen with payments that I apparently didn't even need to make. I asked about a refund or a paid ahead status and they had no idea how they were going to handle the payments, they said. They told me to monitor my account and there might be more information in a few days. This is totally unacceptable. How could they not have a planned ( and written ) procedure put into place before updating accounts and posting important account update messages to borrowers ' accounts?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Wasn't originally informed I owed money. They just put it on my credit report. Multiple calls and text messages all different hours. Contacting my family members and friends Harassing them and me. I did not give them my family members number. Put my information out.Changing fees I don't owe. Committing fraudulent activities. They told me if I pay half of the debt they will put the other half on some else. The rental agreement was never signed by the other part on the lease. They forced his signature. I have multiple witnesses that he did not sign the rental agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate 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 2023-11-09 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Fees charged
Company: PROVIDENT FUNDING ASSOCIATES
State: AZ

Complaint narrative:
My mortgage was sold to Provident Funding in XX/XX/2023. I set up autopay with my them on XX/XX/XXXX or XXXX. Apparently I entered the bank account number incorrectly. I was unaware of this at the time. They sent me an email saying they had processed the payment on XX/XX/XXXX. I checked with my bank and didn't see the transaction. I checked on XXXX XXXX, and XXXX and did not see the transaction. On the morning of XX/XX/XXXX i received an email stating that the transaction failed due to an incorrect bank account number and that i'd be charged {$25.00}. I called them to find out what was going on. I updated my information to have the correct account number and submitted a one-time payment for my mortgage for the month of XXXX and updated the information for future automatic payments each month. I asked that the {$25.00} fee be waived and this was rejected. I've had similar things happen at other banks and financial companies and waiving a fee like this has never been a big deal. They refused. I find it frustrating that I can not choose who I pay my mortgage to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
I sent {$300.00} on XX/XX/XXXX  through " friends and family '' at PayPal ... ..PayPal responded that the recipient received the money. When the recipient tried to collect, the recipient reported that PayPal froze their account. I contacted PayPal, who responded because I sent through friends and family, there was no fraud claim ability on my part. PayPal did not answer me when I asked if the recipient 's account was frozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: IN

Complaint narrative:
I received an email showing my credit report had changed so I logged into to XXXX XXXX to review it. My score went down XXXX points and it mentioned an XXXXXXXX XXXX XXXX XXXX. I have never had an XXXX XXXX XXXX account. When I called Sunrise Credit Service collection agency, they gave me information that was NOT mine. The address was in XXXX, TX, the phone number was not mine and the email address was not mine. 
They said this account opened in XX/XX/22.

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 2023-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I deposited {$1000.00} into a saving account to fund a secured credit card in XX/XX/XXXX. On XX/XX/XXXX, I verbally requested to close my credit card and have my deposit returned. I was told by the representative that the funds would take up to XXXX business days to be returned. Following up on XX/XX/XXXX, the representative told me that my situation needed to be escalated with a request to release my funds. That process took 5-7 days. Following up today XX/XX/XXXX, the representative explained that the last rep did not submit the request so I have to wait another XXXX days for my funds to be available to me. This whole situation is a huge inconvenience. Im currently out of work and need access to my money to purchased basic essentials. Theres been no transparency on whats happening. Im powerless against an institution that seems to do what they want.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
last month i check my credit repor and noticed 4 accounts thats not mine i never applied for i dispute these accounts with the companie and they refused to removed companies listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
On XX/XX/2023, I requested Western Union to initiate a money transfer of XXXX to XXXX XXXX. Transfer number XXXX XXXX. The receiver could not pick up the money due to transfer issues with Western Union. Call back Western Union and they suggested I cancel the transaction and start a new one. I did as they suggested. Western Union has failed to issue a refund for this transaction. I have called 5 times now to follow up on the refund. The current escalation number is XXXX. When they issued the escalation number to me on XX/XX/2023, they said the issue would be resolved in XXXX to XXXX hours. Call back today XX/XX/XXXX, and XXXX days later they can not provide any updates on my refund. I need help getting my money back. Western Union is just stalling on this issue and is providing no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 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: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
XXXX  CHARGED ME {$53.00} ON XX/XX/2023. I DID NOT ORDER THIS. i CALLED THE CREDIT/DEBIT CARD COMPANY AND THEY TOOK IT OFF ON XXXX XXXX. ON XXXX XXXX THEY PUT IT BACK ON. AFTER 3 MORE CALLS TO THE CC COMPANY THIS IS WHAT THEY TELL ME. IT WAS MY EMAIL, MY IP ADRESS AND IT WAS A RENEWAL. GREAT LET THEM SHOW THE ORIGINAL CHARGE ON THE ACCOUNT, BECAUSE THERE IS NONE. THEY HUNG UP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Received notice from IRS CP2000 of taxes due on Cancellation of Debt. Today, XX/XX/XXXX, I contacted Portfolio Recovery Associates LLC to discuss a {$15000.00} Cancellation of debt that is noted on the CP2000 form. Information obtained from Portfolio Recovery Associates noted that the debt was a " XXXX XXXX '' from XXXX XXXX  for a cosmetic procedure performed on XX/XX/XXXX at XXXX  XXXX and XXXX in XXXX XXXX Michigan. It was also noted that the address listed for me at that time was XXXX XXXX XXXX IL. I have never had XXXX  XXXX. I have never been to Michigan. I have visited XXXX once in XXXX. I have never lived in any other state other than North Carolina. I have lived at my current address in North Carolina since XXXX. I have never signed for another individual for any XXXX XXXX. I have been employed by the same company as a XXXX XXXX since XX/XX/XXXX. 

The ACCOUNT # for reference is XXXX. 

I ran a credit report and noted that there are 2 addresses on this report that I have NEVER lived at ; and both of those addresses are from the state of Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 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: NY

Complaint narrative:
I XXXX, XXXX XXXX XXXX  in Fact FOR XXXX XXXX XXXX, has placed numerous complaints with EXPERIAN through the CFPB throughout the entire year of 2023 about the inaccurate reporting of non-public information. The continuous sharing of inaccurate, non-public information to my consumer credit report without my expressed written consent to my consumer credit report has been ruining my reputation and is identity theft. 

Please See Attached Documents which include the following : Settlement Offer Civil Cover Sheet ( dated XX/XX/2023 ) XXXX via IRS, Power of Attorney, Fee Schedule Bill of Particulars Passport Card ( Identification )

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and XXXX have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2023-11-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I was foreclosed on by Wells Fargo in XX/XX/2014, they were unwilling to work with me, I was as a single mom, with XXXX kids, and couldn't make my payments. I understand there is a lawsuit regarding this with Wells Fargo.

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 2023-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX 's XXXX XXXX XXXX  XXXX at XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX Subject : Credit Report Dispute Dear Sir/Madam , I am writing to dispute the information in my credit report, file number [ insert your file number here ]. I believe there are inaccuracies that need immediate attention and correction. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report ( 15 U.S.C. 1681 ), which is the basis for my dispute. The specific sections of the FCRA that I believe are related to my dispute are as follows : 1. Section 604 ( a ) ( 2 ) A consumer reporting agency may furnish a consumer report under specific circumstances only. I believe that the report regarding my late payments was furnished without due diligence or without appropriate permissions. 

2. Section 623 ( a ) ( 5 ) A furnisher of information to consumer reporting agencies must accurately report the date of delinquency on an account. If there is an error regarding the date of my alleged late payments, it should be corrected.

3. 15 USCS 1666b This section states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless appropriate notice has been given to the consumer. I believe that this provision is relevant to my dispute.

The late payments listed on my credit report from [ creditor 's name ] are erroneous. I have made all necessary payments on time and have never been late. I request that these late payments be investigated and removed from my credit report. 

Please provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available. 

I understand that you are required by law to investigate and respond to my dispute within 30 days of receipt of this letter. I am keeping a copy of this letter for my records and expect to receive your prompt response. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: MN

Complaint narrative:
On XX/XX/2023 I had {$65.00} come out of my Chime checking account twice from merchant XXXX, a total of {$130.00}. An error occurred with XXXX and the money never went into my XXXX account nor was it sent to the recipient. XXXX has no record of these transactions. I received a refund of {$65.00} one time on XX/XX/2023 from XXXX, however, I am still missing {$65.00}. After contacting XXXX, they informed me that since they have no record of this I need to contact my bank, Chime. I disputed the transaction with Chime and they stated that I already received a refund of {$65.00} on XX/XX/2023. I called them several times in an attempt to clarify that I only received one refund, and should have received two. The disputes team at Chime escalated the dispute three times, and each time Chime stated that because I received one refund of {$65.00}, I am not owed another ( despite the fact I am still missing {$65.00} ). Several agents confirmed that I am indeed still missing the second refund, but the majority of the agents there could not speak proper English and understand the issue. I asked for a corporate phone number or address to submit a formal complaint on XX/XX/2023 and was told they do not have either of those to give me. The agent I spoke with also could not understand the issue and seemed confused. I have attached evidence showing I am still owed a 2nd refund of {$65.00}, in addition to an email from XXXX in which they advised I contact my bank, Chime, for a resolution. I am filing this complaint with the desire to receive two things 1. ) A refund of {$65.00} for the 2nd charge on XX/XX/2023 from Chime and 2. ) A written letter of apology from Chime for the way my issue has been mishandled thus far.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I deposited roughly XXXX dollars into the Chase ATM. The machine spit out a recipe stating that it was no longer functioning. The cash was never deposited into my account. Day 5 and still waiting even though I have to pay bills, eat, etc. I am worried about overdraft fees. After calling them and spending a lot of time on the phone they said there was nothing they can do. I tried to get them to expedite, but they dont care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I signed and got approved for a mortgage agreement with XXXXXXXX XXXX in XX/XX/XXXX. I received a letter from XXXX XXXX on XXXX XXXX stating that my loan was sold to them and will be serviced by Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The loan payments include payments to an Escrow account for XXXX insurance which I obtain from XXXX XXXX XXXX Co. 
The insurance policy period was from XX/XX/XXXX to XX/XX/XXXX. 
The premium was paid in full as part of my closing costs. 
On XX/XX/XXXX, I received a notice of cancellation from XXXX XXXX XXXX. I spoke to a XXXX XXXX agent about this notice. The agent told me they did not receive payment from Rushmore Loans ( from Escrow account ) which was due on XXXX XXXX and that the policy will be cancelled on XX/XX/XXXX if no payment is received. 
On XXXX XXXX, I called Rushmore customer service. ( which are horrible ) several times On XX/XX/XXXX, they connected me with their insurance department, gave them my loan #. 
They could not find the loan, transferred me back to customer service. 
On XX/XX/XXXX the representative told me they are transitioning loans to Rushmore Servicing and this could be the problem and not to worry, the premium will be paid. Called back on XX/XX/XXXX, same promise to pay. 
I called XXXX XXXX XX/XX/XXXX. No payment received. 
Called Rushmore on XX/XX/XXXX, spoke to XXXX, supervisor. First he told me insurance will give lead time. I told him that the lead time has expired and my insurance will be cancelled. He said don worry we will pay the premium. 
Called XXXX XXXX back, no payment received. 
The XXXX XXXX agent suggested I pay out of pocket to keep the policy in place and they will reimburse me when they receive payment from Rushmore. 
I then reached out to XXXX XXXX XXXX and spoke to XXXX XXXX who told me she contacted Rushmore and they told her they will not pay premium because I already paid out of pocket. 
Next I receive a letter from Rushmore on XX/XX/XXXX stating that I requested to remove insurance from my Escrow account and will now be responsible for payment of insurance. I never requested this. 
They did refund me the Escrow balance on XX/XX/XXXX. 
I have had dealings with many mortgage companies over the years and never have I witnessed such incompetence. This company is awful. They can not even manage a simple Escrow account.The company 's complaint resolution process is inadequate and ineffective. 
Also, when calling customer service, they put on hold for XXXX minutes and then hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2023 at XXXX XXXX I WENT TO NAVY FEDERAL TO DEPOSIT {$180.00} IN CASH AT THEIR OUTSIDE ATM. I RECEIVED AN ERROR MESSAGE STATING THERE WAS A PROBLEM AND THEY COULDT DEPOSIT THE {$180.00}. THERE THEN WAS AN ERROR MESSAGE RIGHT AFTER THAT SAID THEY COULDNT RETURN THE CASH. THE ATM MACHINE GAVE ME A RECEIPT THAT SAID WE ENCOUNTERED AN ISSUE RETURNING YOUR CASH, PLEASE CONTACT YOUR FINANCIAL INSTITUTION IN WHICH I DID THAT EVENING. THE {$180.00} WAS RETURNED TO ME AFTER 10 DAYS OF INVESTIGATING. ON XX/XX/2023, I RECEIVED A MESSAGE FROM MY BANK SAYING THE INVESTIGATION WAS OVER AND NO ERROR WAS FOUND SO THEY ARE TAKING THE {$180.00} BACK. I HAVE THE RECEIPT FROM THE ATM ANF THE COMPANY THAT OWNS THE ATM IS XXXX. ALTHOUGH THE ATM IS AT A NAVY FEDERAL BRANCH.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Made payments to Mr Coopers mortgage They sent money back to bank. They sent me foreclosure start date letter. We can't get a hold of Mr coppers due to Cyber attacks on there website and phone call center.

Company response to consumer: Closed with explanation