vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NV

Complaint narrative:
I have sent these people at Mr cooper a copy of the bank statement that I paid the mortgage in XX/XX/2023. They sent it back I re-sent the payment. I sent a copy of the bank statement from XXXX  XXXX XXXX and XXXX  XXXX XXXX sent them a copy of the statement they still do not recognize that I sent the payment in even with notification from the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had put a dispute in with chase because I lost my card and there was unauthorized transaction on my account. They are telling me that it was authorized and I never authorized any transactions I never even spent money on my account. I only made deposits into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act convergent account XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 : Also states, a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Wells Fargo assumed the LOAN - Maturity Date - XX/XX/XXXX Sent in last payment in XXXX Wells Fargo sent the payment back advised that the account has reached it's maturity date. 
Per Wells Fargo- they're advising that the total amount due is {$12000.00} the loan amount was for {$30000.00} loan taken out on XXXX. 
{$8000.00} is the unpaid principal on loan ( how ) {$3000.00} is from late fee my question Wells Fargo is how do we owe XXXX XXXXXXXX on a loan for XXXX XXXX we stand to lose our home over XXXX XXXXXXXX can someone please reach out to Wells Fargo for better understanding. 
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 2023-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity bank calls me no less than 10 times daily, including between XXXX XXXX and XXXX XXXX when I have told them not to call. I work from home at these hours. It is the same woman and I've told her repeatedly not to call me. I block the numbers that call me and she just gets a new number or misrepresents her identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This insignificant company -- XXXX XXXX -- is reporting that I had a 39-day late on an item I never received in which it agreed back in XXXX that there was an accounting error. I have demanded this item be removed from my credit report but each time I dispute Transuion lies and states it has been investigated and no update. CORRECT YOUR MISTAKE XXXXXXXX XXXX AND DELETE THIS BOGUS ITEM. Transunion 's latest investigation : Date Submitted Date Completed Results XX/XX/XXXX XX/XX/XXXX View Dispute Results According to Transunion an investigation was completed in two days. There was no investigation done in two days. This bogus item from XXXX XXXX should be deleted immediately. I have never, ever had a 30-day late on any of my accounts with many that have been paid in full. I am surprised at XXXX XXXX because on record I am an excellent paying customer and often paid in full and keep receiving automatic credit line increases without requesting. I hardly ever use this card because I have other major credit cards that are often paid in full -- no lates, no missed payments. Transunion is the only credit bureau that is reporting this bogus information. It is so irritating that this bogus information will sit on my credit report for 7 years. I will never accept this!!!! The only adverse account I have had in over 10 years. Unbelievable!! XXXXXXXX XXXX are aware they are reporting bogus information because I contacted the CEO back in XXXX and not sure why the accounting error has not been corrected -- the start of the pandemic. Transunion has a track record of reporting bogus information and refusing to due proper investigations and follow FCRA laws.

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 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
My credit limit is {$13000.00}. 
My credit was fully used and slightly exceeded. 
The XXXX XXXX Barclays - company rejected a few minor charges stating declined credit exceeded. 
Then Barclays accepted a charge for {$3300.00}! and added it to my unpaid balance. I have had repeated conversations with them asking them to reject the charge as they did with other minor charges. I asked how my credit limit was increased and why I was not contacted before they accepted that outrageous charge. The agent indicated that my credit limit was not increased. I asked then how was such a large charge accepted. They told me they would open a dispute and it would take 45 days. I told them it took only one day to add the bogus charge to me account, exceeding my limit and not contacting me prior to clearing the charge. Their repeated answer is " the charge went through ''. I insisted they reverse the charge and credit my account. They have not done so.

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 2023-06-10 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: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX Account # XXXX Account # XXXX has violated my rights. 

15USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, also that a specific periodic consumer credit amount or installment amount can be arranged, unless the creditor usually and customarily arranges credit payments or installments for that period and in that amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-10 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2023, the ability to determine what gets paid out of my account was taken away. I called Chase Bank on XX/XX/2023, and told them if there's no money in my account don't pay for the item. I was told that their computer makes that decision. I asked to speak to a supervisor and was put on hold when they returned, I was told that the computer makes that decision and it can't be changed, and nothing could be done about it. At the end of XXXX, my account was {$320.00} overdrawn. At the end of XXXX, XXXX I called again and no matter who I was transferred to I kept getting the same answer, the computer made that decision. At the end of XXXX, the cost was {$610.00} overdrawn, again, I was told that the computer made that decision. I have opened an account at another bank so I could start paying all my bills again. Every month my account was short of money at the start because of overdraft fees. It has cost me accounts ; it has affected my credit rating. It has put me behind on several bill payments, and accounts. I had to close accounts because I couldn't pay them because, at the beginning of the month, a large part of my check went to pay overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Company continues to report inaccuracies on my consumer report thats negatively impacted my ability to brain credit. This debt has been charged off and is in delinquent status yet theyre reporting on time payments and adding interest to an account that has been closed and charged off. In accordance with the Pa department of revenue once a 1099-c is filed with the irs and the debt reported as taxable income it is then unenforceable and void. This is a direct violation of the fcpa and my consumer rights. 

Account Name : XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Village Capital & Investment LLC
State: IL

Complaint narrative:
I was on a Covid deferral program, before it ended I requested a modification the loan, i was really hoping that the amount due would just be pushed to the end of the initial loan .. this didnt happen. But the Loan was modified with a higher interest rate. This was approved, I was told that nothing would be negatively impacted on my credit report. This happened! I keep calling and no one answers why? 

I really want this removed asap!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on Monday XX/XX/XXXX I received a text who j thought was chase bank asking if I gave permission to send a wire transfer of XXXX to XXXX Florida. I also have multiple texts claiming them to be chase bank. they had me completely change my accounting and routing numbers for both accounts my total checking and my business banking account an total the amount that had been wire transferred over is business account {$3400.00} checking account {$2600.00} CHASE BANK MEMBER I got a phone call after I replied NO that I didn't approve this purchase, shortly after that I got a phone call who even had the same number as chase and over this whole ordeal took almost two hours and then I immediately rechecked my account and it was drained. if you listen closely you can over hear them discussing that its a wire transfer scam. please get back to me as soon can you can. 

thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX is reporting two accounts as Paid in Settlement written off to Experian. 
This is incorrect and I have disputed this with all three bureaus and XXXX XXXX. Experian is incorrectly reporting these two accounts. 
The accounts were paid in full on XXXX/XXXX/XXXX 
The Experian report shows late payments for XX/XX/2022 and XX/XX/2022. The accounts were paid in full XX/XX/2022.

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 2023-06-10 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Company continues to report inaccuracies on my consumer report thats negatively impacted my ability to brain credit. This debt has been charged off and is in delinquent status yet theyre reporting on time payments and adding interest to an account that has been closed and charged off. In accordance with the Pa department of revenue once a 1099-c is filed with the irs and the debt reported as taxable income it is then unenforceable and void. This is a direct violation of the fcpa and my consumer rights. 

Account Name : XXXX XXXX XXXX Acct # 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 2023-06-10 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2023-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To have this unauthorized inquiry remove from my credit report 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 non-monetary relief
Consumer complaint received 2023-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I looked at my PayPal account this week and it was empty. There should have been XXXX to XXXX in it. And they say it has been at XXXX since XXXX that is wrong it had money in it last week and has had money in it since I opened it in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: ZIONS BANCORPORATION
State: NV

Complaint narrative:
When I tried to open checking account ending in XXXX, Nevada State Bank conflated my new login they insisted I create with my login for account closed by me XX/XX/2023. 
This bank refused all attempts to close new account, since they mishandled my data.

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 2023-06-10 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: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

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 2023-06-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company isnt doing anything to fix the fraud charges on my statements and didnt give me the opportunity to send in a police report or anything else and denied my fraud claim. I never had a doordash account or order any fast food with this card and my credit card account was hacked by a third party and capital one isnt doing anything to fix the problem and resolve it so I can pay the rest of the bill XXXX responsible for half of the charges not the full XXXX and I refuse to pay for this .. unless I have my dispute rights back and they are violating it I will take possible legal actions against capital one for this..

Company response to consumer: Closed with explanation