vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
On XX/XX/2022, I submitted my, full, mortgage payment via the loan servicer 's client portal ( LoanCare ). On XX/XX/2022, I received an email stating my mortgage payment submitted on XX/XX/2022, was reversed. I called my loan servicer to see why my payment was reversed. The representative could not tell why my payment was reversed and advised me to contact my bank to see if there was an issue on their end. I called my bank and spoke to a representative that verified the funds were available for payment, however, there was no record of request from my loan servicer for my mortgage payment. I then called my mortgage servicer and verified my banking information on file with a customer service rep. My banking information was correct, and I resubmitted the payment again on XX/XX/2022, using my same banking account via the loan servicers website. I received another notification on XX/XX/2022, requesting a return call to my loan servicer. I called and spoke with a customer service rep and was told my payment was reversed for the second time for XX/XX/2022. I again verified my banking account information with the customer service representative from my mortgage servicer. I then submitted my payment via the live customer service representative and gave permission to debit my mortgage payment from my banking account and my payment was submitted. I received a third notification that my mortgage payment was yet again reversed. Now my mortgage payment is 30 days late, has disqualified me from completing the loan assumption process, reported late to all three CRAs, and lowered my credit score. I spoke with a manager for my lender and was advised to mail in a cashier 's check for XXXX and XXXX 's payment, give the payment time to process and submit a dispute to the mortgage servicer 's payment research department to dispute the 30 day late payment. I did exactly as I was instructed, and I got a cashier 's check the same banking account I used to submit the previous three payments. However, the mortgage servicer would not fix the late payment issue. The manager even waived the late fee because I sent documentation from my bank showing the entire amount of my mortgage payment was in the account since XX/XX/2022, and there was no changes/activity in the banking information in the month of XXXX. I believe this is unfair reporting. I submitted my payment three times and did everything possible to ensure my mortgage payment was not late. But due to their system error my mortgage payment was flagged as 30 days late for the first time since I opened this loan.

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 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, i was notified by XXXX XXXX of a suspicious charge that i did not make. I then checked my online banking with USAA and saw that there was a charge of {$2200.00} made at XXXX XXXX which i did not make. I immediately called USAA to report the unauthorized charge and they cancelled my card and opened an investigation. I subsequently found out upon returning to my car that my vehicle was broken into and my XXXX XXXX Credit card and my USAA Debit card was removed from my wallet. USAA temporarily refunded the amount of the charge back into my Checking account. 

On XX/XX/XXXX i received a letter from USAA informing me that the charge at XXXX XXXX was a legitimate charge and they would be recovering the {$2200.00}. After learning of this I called USAA and requested they re-open this case and i also advised them that i was the victim of a burglary as well as understanding that nobody knows my PIN #, so the fraudulent transaction at XXXX XXXX should of never went through in the first place. I am also in possession of my California Drivers License which was not taken with the XXXX cards so I dont understand how someone could make such a large purchase without presenting an ID or verifying my PIN number. 

On XX/XX/XXXX : I received another letter from USAA advising me that they have still determined I am responsible for the fraudulent use of the Debit card and will not refund my money. It should be noted that XXXX XXXX determined the charges made on that card fraudulent. Any help you can give me with this would be very much appreciated if i can provide you with any additional documents or information i would be happy to do so. 
Thank you very much XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Ive had an account with Wells Fargo for about 7 years now. They have a history of charging me overdraft fees before my account was actually overdrawn. I would add money to the account same day and I would still get charged overdraft fee. Many times I talked to them but they would not explain how that was possible and they would not reverse the fee. I heard something about them having to pay customers back for this so Im submitting a complaint as my account was previously affected with these abnormal fees many times.

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 2023-03-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX did not change my address. Paid off early but still didn't give me my title and put a late fee 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 2023-03-20 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 — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Auto did not change my address. Paid off early but still didn't give me my title and put a late fee on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: SC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: MO

Complaint narrative:
Discover, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has different notations on each of my XXXX and XXXX credit reports. 

Under 15USC 1681 ( a ) ( i ) I believe I am allowed to verify and correct any erroneous, inaccurate items on my credit profiles! 

XXXX has " collection/charge-off '' and XXXX states " 120 days late ''!!! 

I need these items deleted as they are harming my credit status and the purchase of a home!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: UT

Complaint narrative:
I just want to let you guys know that I have never been so upset, let down, and defeated more than I do today. This is the 3rd time Chime has denied my claim for the money that was stolen out of my account on XXXX, XXXX at XXXX XXXX in the morning. I have been nothing but a loyal customer of their 's for YEARS AND YEARS. Spoke great things about them to my family and friends. Even got people to sign up for Chime. And the fact that I can't even trust MY bank to have MY back on a fraudulent charge is crazy. 
Over {$2000.00} dollars was stolen out of my account on XX/XX/XXXX at XXXX XXXX in the morning. I was on the phone with a Chime representative who was helping me gain access of my account back while the hacker was still in control of everything. I was a victim of theft and the bank who I've read and have been told is FDIC insured won't help me. I am a single mother who doesn't make a lot of money. I was suppose to pay rent with that {$2000.00}. Chime gets their money back regardless and I'm just stuck trying to scrounge for every single last dime so me and my daughter don't end up homeless. It wasn't my fault that this money was stolen. And I understand it wasn't Chimes fault either. But I've put 3 different claims in to dispute this transaction. I have filed a police report, like they asked.. with my local police department. AGAIN.. they denied my claim. So this makes 4 denials. Have waited over a month. Hoped and prayed that I would get help from my bank and I would see this money back. Only to be told " no '' every single time. I'm heart broken. And what makes it worse, is that I see Chime just handing out money all over social media. Which is awesome marketing for them, I know. But why not help out one of your members that really needs it? That has been struggling and fighting with their dispute team for over a month? I just get shot down every single time. It's so sad. I worked hard for that money that got stolen from me. And now I understand that you guys really don't care about your members. I used to have so much respect for Chime. Now I'm going to close my account and report Chime to the CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I got an Issue with a collection Agency called CKS Prime Investments I never received a call or a letter from this company the only reason I knew it was on there is the fact I got an alert from the credit report agency that a new collection account was added. The account this company has is an account from XXXX credit card I never had an account with this company I got in touch with the original creditor they did their investigation and determine that it was a fraud account and sent me a letter stating that it would be removed off my credit reports. The collection agency didnt remove it so I disputed though the credit report agencies with the dispute I provided the letter from the original creditor the collection agency still didnt remove it but they did something sneaky by leaving it on my credit reports changing some of the information like the name of the original creditor name the type of account, and the closed date. I tried to contact them by phone but could never get an answer.

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 2023-03-20 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: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting 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 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am demanding that the credit reporting agencies stop reporting the account XXXX XXXX for inaccuracy - the payment history is inconsistent, and different account numbers are being reported XXXX, XXXX, and XXXX. How is this accurate when all data furnished should be the same? Why are there different account numbers for the same account and why are there are a variation of different late payments reporting? I also contacted the original creditor, and they could not verify that this account is reporting accurately. There are many violations that I am willing to take to civil court and seek {$1000.00} per violation if this account is not immediately removed from my credit report. I have already sent letters months ago so I am requesting that this is deleted within 15 days, or I will be moving forward with contacting the registered agent and filing litigation. Attached is my credit report showing the inaccurate information reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: FL

Complaint narrative:
This bank is charging 159.56 % interest. The math on the site is not correct. They are ripping off people with there funny math. You can not see the funny math they are doing on the attached form but in the dashboard the math is all incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: TX

Complaint narrative:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

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 2023-03-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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:
In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.

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 2023-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
One MainXXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX has a different status notation on each of XXXX and XXXX credit reports. 
XXXX says " Closed '' and XXXX states " 120 days late '' on their report. 
I have notified these bureaus many times and have not gotten this problem corrected. 

According to 15 USC 1681 ( a ) ( i ) i can dispute these violations if I believe them to be erroneous. As you can see, they are incorrect. ( Paperwork submitted ). 
In addition, these account inaccuracies are hurting my credit standing and are harming my purchase of a house, car, and credit cards as well!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I feel like my letters are being ignored so I want to seek help from CFPB and Atty General about this issue because I have been contacting your company about my credit issues. I'm gon na search for other options because I know you have violated of FCRA law for not responding on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
I bought a condo in Florida in XXXX of 2021. My initial loan was serviced by United Wholesale Mortgage. I had no Escrow - I paid my taxes and insurance directly. There were no problems. In late XXXX of 2021, my loan was sold by UWM to Mr Cooper. I continued to pay my insurance and taxes directly. Mr Cooper had additional insurance added to my policy ( despite me sending them my current insurance information ) and they were suddenly charging me an escrow in the amount of {$2700.00}. I disputed this several times and they kept charging. I continued to provide proof of my insurance and payment of both my insurance and taxes. Since then they have sold my loan to XXXX ( who has been great ) - but they are still collecting an outstanding Escrow about that Mr Cooper claims I have. After the latest analysis- they are claiming an additional {$620.00} I would like to get this resolved - stop paying money that I do not owe and collect the years worth of overcharge payment. I call Mr Cooper - I wait on hold for hours, and am then cut off. If I do reach someone, I get transferred all over them place and am told they can't help me since they no longer have my loan. I appreciate your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I pulled my credit report only to realize that I have two accounts with Synchrony Bank. I noticed one account has been reported as unpaid for about a year when I have the evidence that this account had been auto drafted from my account each month. I then called in to synchrony bank and got a rude representative that hung up in my face. I AM LIVID!!! I demand that both these accounts be deleted from my credit report immediately. I will be taking this to small claims court and filing an FTC report for their negligence if it is not resolved immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: NY

Complaint narrative:
This company randomly increases and decreases my credit score on an almost daily basis. Today my credit score was decreased by XXXX points because a credit card is over limit. The card has not yet over limit for 30 days. Further, the card is slated to be paid down at the end of the month. I guarantee you, my credit score will not increase by XXXX  as quickly as it decreased. This company is engaging in terribly unfair credit reporting practices!

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