vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
Contacted Mr. Cooper ( rightpath ) 10 times as of today for explanation of balance she owes. Was granted Forbearance XX/XX/XXXX and again XX/XX/XXXX. Tried to gather payoff amount XX/XX/XXXX. Also, submitted in writing request to " XXXX '' No response and no one we spoke to including a manager could provide a breakdown for the balance now owed.

-Date of last payment balance owed {$40000.00}. 
-Breakdown of Payoff Balance {$58000.00} Including itemized breakdown of Principle Adjustments, Lender Paid Adjustments, NON interest balance. 

Attached are : Call contact notes with each rep. 
Payment History Letter of Complaint Copy of last written request sent Our payment breakdown notes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
They incorrectly charged overdraft fees on debit withdrawals, as well as having money unfairly frozen if Wells Fargo suspected a single deposit was fraudulent multiple times. When trying to access or deposit larger amounts of money ( ex : {$5000.00} ) my money was frozen or denied access for deposit without me giving them the purpose of how I was using my own money, this example was approximately XXXX to XXXX of XXXX. On multiple occassions, the same debit/credit withdrawal was withdrawn duplicate times at once causing overdrafts in my accounts/and multiple overdraft fees that then caused negative account balance to be greater and bills that auto-deduct coming out caused more overdraft fees.

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 2023-06-09 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I am victim of deceptive, fraudulent and unfair business practices not only from XXXX XXXX but this time from XXXX and Paypal. 

On XX/XX/2023 I was charged {$39.00} on my checking account for a subscription I had no previous knowledge, and I still don't understand what the subscription is about. 
All I remember is that on XX/XX/XXXX, I used the website of XXXX to edit a one page document which costed {$1.00}. I did not want to use my card for the transaction therefore I used my Papal credit to pay for it. Paypal has my bank account as a backup they can use if I default on Paypal credit ; this was not the case. 
Not only did they use my bank account for the initial purchase but they used it also to pay for a monthly or annual subscription to what product? I don't know for I have no regular use for PDF. 
I opened a claim but Paypal closed it saying they have document I signed or approved for a subscription which is obviously false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

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 explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I made numerous attempts to get lvnv funding to validate the debt. they continue to send me collection letters and not the original contract with my signature. They are in violation of numerous consumer law and FDCPA laws such as 15 usc 1692c, 1692d, 1692, j and 1692g. they are not complying with my requests of validation of the debt. they are just making redundant attempts to collect a debt that i do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: PA

Complaint narrative:
I made an online payment on XX/XX/ for the amount of {$1800.00}. On XX/XX/XXXX  there were two separate transactions from my checking account for {$1800.00} for the mortgage company. I called the mortgage company to inform them of the error and they are refusing to refund the payment stating that the payment was applied to another month that I owed. There apparently was an error with the online service that duplicated the payment. I think that if an error occurred they should try to correct the error. It has nothing to do with what I owed. The system made an error and I should be refunded. Also, on XXXX I called and spoke with a representative who stated that a ticket would be put in for the error and when I followed up on the ticket today they are saying that due to past due payments they will not refund the payment taken in error by their system. This error has caused hardship for me and my family. I need the money refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GA

Complaint narrative:
This account does not belong to me. This is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
609 ( A ) ( 1 ) Dispute Letter : I wish to dispute the following information found on my XXXX/Equifax/XXXX  credit reports . 

( Dispute 1 ) Account Information : XXXX  XXXX & XXXX XXXX XXXX Description of Dispute : These accounts are not mine and I did not seek to apply for new credit cards. I do not recognize the accounts that appear on my credit report.

( Dispute 2 ) Account Information : XXXX  Description of Dispute : Late payments have appeared on my credit report regarding my student loan balances for over 6 years without any acknowledgment of addressing the error. I've attempted to contact the loan service provider on numerous occasions and was told that the error would be corrected as it was a system glitch. Nothing has been done to move forward with a resolution, so I've attached a copy of my most recent credit report to dispute the discrepancy. 

I'm asking you to investigate these errors and remove any information that can not be verified. Please notify me in writing of your findings and any action you have taken within 30 days of your receipt of this letter. 

I am enclosing a copy of my credit report. Thank you for your help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: SC

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 non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citibank was offering a sign on bonus ( with terms ) when you open a Citi priority checking account. I had tried several times on XX/XX/XXXX to open the account on line but could not. I called them directly and the rep opened the accounts both checking and savings on XX/XX/XXXX no problem I made sure that I would still be eligible for the bonus once I completed that terms and was assured that I would be. But I would need to wait for my welcome pack. When I received the welcome pack, it had my account numbers etc. I then tried to make a deposit and could not. I called customer service and they said that the accounts have been closed by them. I asked why and they really had no answer. I then tried to open the account on line without the bonus link and had no trouble. I called Citi and asked why I can open without the bonus offer but not with the bonus offer. They again had no answer. 
It is my feeling that the bonus offer is a scam to get people to open accounts. I asked for a manager to please call me to explain this but no one has contacted me

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 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian and XXXX refuse to remove a bankruptcy from my report that is not mine!! This bankruptcy belongs to my mother we have the exact same name. I have sent them copies of my birth certificate and a letter from my mother. I called IL bankruptcy court and they are not giving them this information but they are reporting it. XXXX verified this information through XXXX and they deleted it from my credit report and Experian and XXXX refuse to delete the bankruptcy and they also verify through XXXX.I have XXXX children and this is hindering me from providing for them efficiently. I cant get a home or a car.

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 2023-06-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: SC

Complaint narrative:
In XXXX of XXXX  One main financial on XXXX XXXX XXXX South Carolina called me about a refinance for car loan it was a predatory call and they charged me {$600.00} plus interest on fees that were not explained and not understood they might have said that the information was signed however I do not recall being have those fees explained and they were fees that should not have been passed on to me when I asked to have the fees removed or dropped within the appropriate amount of time they refuse to do so they are now charging me interest on those fees that I did not agree to they also filled out the application for me on a computer due to my injury I can not work with computers I have medical information to back that up nor did they give me a paper application to fill out nor did they give me a paper application upon leaving I did not fill out the application I did not agree to the XXXX plus dollars and fees and interest!.. I did try to work with one main however they refuse to assist me and saying they can never discuss my account with me again at that location in addition the home office refuses to work with me as well they'll send me letters stating that they'll be happy to work with me but then when I try to work with them they refuse to speak to me about my account because I have reached out to government agencies to assist me in getting a resolution. They say that arbitration agreement is in the contract however when I try to ask them at the location about the arbitration agreement in the past before they banned me from getting assistance for no reason they refuse to give me the proper steps for the arbitration they tried to deter me from what was in the contract so a my issue is fees that I was not aware of be I tried to remove the fees and see I was denied any type of resolution in was encouraged not to call ever again. The resolution that I'm looking for is to have those fees removed from my contract and to be compensated for being charged that amount in the first place I also want the contract to be void because it was set up under predatory pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: GA

Complaint narrative:
This account does not belong to me. This is Fraud

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 2023-06-09 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
I have asked them to stop calling that I am paying what I can and when I can. They keep calling sometimes 2-3x/day and other once or twice/week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
We ( XXXX and XXXX XXXX ) went to Chase Bank to open a CD account -- 4 % for 3 months -- on XX/XX/2023. We do not drive. Our daughter drove us. She helps us with our daily tasks and needs. Chase is our bank ; they had a good interest rate ; so we decided to stay with Chase, even though many banks have similar terms. We went to the XXXX XXXX, CA Branch on XXXX and XXXX XXXX to open the new CD. 

We THOUGHT we opened the account on XX/XX/2023. We were told at that meeting that the branch employee 's printer was not working, so she could not provide us with the paperwork. We did not consider that there was or would be a potential problem with opening the account, so we asked if we would see the account online. The branch employee said yes, so we left without the paperwork confirming the new account.

When the CD rolled over -- on XX/XX/2023 -- to a lower interest rate and a 74-day term ( as opposed to 3 months ), we started to investigate. It turns out that -- for a reason unknown to us -- the account wasn't opened until XX/XX/2023, depriving us of significant interest on the cash in the account. 

It appears that either a mistake or fraud occurred when we thought the account was opened on XX/XX/2023. So we made a new appointment. On XX/XX/2023, we talked to the branch manager and employees to investigate why the account was opened 15 days after our in-person appointment to open the CD. The branch employees claimed it was a mistake and that it would be corrected. On XX/XX/2023, we also talked by phone with the branch manager at another Chase branch in XXXX XXXX XXXX, CA because we no longer trust the employees at the XXXX XXXX XXXX. He investigated and also said it was a mistake by the branch employee. 

To date, even though both branch managers said the mistake would be corrected, nothing has changed in our account. It has been over two weeks. The interest that should have been added to the account starting with the date that we scheduled an appointment with the bank and opened the account ( XX/XX/2023 ) is not yet in the account, which amounts to approximately {$2000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-09 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
Upon reviewing my credit file, I discovered a concerning item that has raised significant concerns. My credit report shows a collection from your agency, and I want to express my deep distress as I was never notified about this matter. Additionally, I strongly believe that this debt is inaccurate. I have taken the time to familiarize myself with US laws, specifically the Fair Debt Collection Practices Act ( FDCPA ), which grants me the right to request and receive debt validation. In accordance with this law, I am formally requesting that you provide me with the necessary validation for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank Of West falsely accuse me of opening a checking account over the Internet during the time of employment. I contact the department that that was not me but I believe my manager disapproved of my work and decided to put me in check systems.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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: Nelnet, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federal protected consumer rights to Privacy and Confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A : States that I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2 : States a consumer reporting agency can not furnish an account with my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) : States a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09 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 ACC 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 UNDE

R 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 non-monetary relief