vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I've payed my mortgage by phone for the year XXXX, after each payment processed through their automated system, a confirmation number is given. On XX/XX/XXXX I made my normal required mortgage payment and received my confirmation number. On XX/XX/XXXX while attempting to make my payment, I was informed that XXXXXXXX XXXX was late because they had not received XXXXXXXX XXXX payment. At this point, I requested through their automated system to speak to a live processing XXXX XXXX rep from XXXX named XXXX explained and confirmed that my XXXX payment was received on time and that all late fees had been reversed, the company admitted, it was their fault due to a new system they had implemented and all of the kinks had not been straighten out. She asked if I wanted to make my XXXX & XXXX payment on the phone with her, and was I prepared to pay for both months? I said yes, XXXX processed XXXXXXXX XXXX  payment once again, along with XXXXXXXX XXXX payment. After processing both payments, I was given a confirmation number. Fast forward to XX/XX/XXXX, I received a letter from Mr Cooper informing me that my mortgage is now XXXX XXXX past due and my loan is currently in default. This mortgage company needs to be investigated, as an XXXX XXXX XXXXXXXX XXXX I'm stressed and very confused regarding this matter, so any help your agency can provide would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Have not received miles for purchases that I made in XXXX! I should receive XXXX miles for restauarant purchases back in XXXX! It is now XXXX and I still havent received them. Every time I contact Amex I have been told they were issues pending/ they said this 3 months ago. And I still havent received a single mile out of the over XXXX miles I have earned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
Extreme overdraft fees, unexplained overdraft fees, overdraft fees for covered items

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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: WA

Complaint narrative:
I made a principal payment to bring my XXXX to 77.8 %. After it cleared I sent in a PMI waiver form to ask to have the PMI automatically removed. They are now saying the bar has been moved and I will need PMI until 65 % XXXX. NO where in my original loan documents from the original LOAN I signed did it state that. Also Washington state law does not allow PMI to be charged on any mortgage after 80 % PMI. They also said I need o get an appraisal which is crazy cause I have only been in the house for 4 years. How much value could it have lost i n the recent market. I have argued numerous times and now they want a check for a XXXX appraisal at my expense. I was always have been on the understanding PMI automatically removes unless there is some special circumstance such as a blighted neighborhood where the house may have lost value. This is with Flagstar Bank who is currently servicing the 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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I checked my XXXX XXXX  account, and this Hard Inquiry on my XXXX report : " '' COMENITYCAPITAL/XXXX  Reported : XXXX XXXX, XXXX  {$0.00} In good standing Overview You're currently using XXXX XXXX of your account 's limit. 
Balance {$0.00} Credit limit $ 14300 Monthly payment No Info Opened XXXX XXXX, XXXX  '' '' No Contact number on the Inquiry, only a mailing address, red flag to me, plus I did not apply for a card from them, so I looked it up online COMENITYCAPITAL/XXXX  and called XXXX : They could not confirm my I had an account with Name, address or phone number. Ask me for the 16 digit card number, but I have not even received a card. 

I called XXXX, and they directed me to the FTC XXXX and that referred me to this website. 

I am not sure what to do? 
Please advise. 
Thank You!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: PA

Complaint narrative:
I currently have federal student loans that were transferred to MOHELA. They are federal loans that qualify under the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. I have beee enrolled in this program for over XXXX  years at this point. 

My XXXX qualifying payments ( XXXX  years ) have been completed as of XX/XX/XXXX. Prior to that I submitted a XXXX  form on XX/XX/XXXX to update my payment counts. This should have updated my count to XXXX. However, almost XXXX months later it still registers as XXXX ( last updated XXXX of XXXX ). I also sent a form in on XX/XX/XXXX that has not been updated either. 

The most recent form I sent in was on XX/XX/XXXX. This form was to indicate that I have completed the XXXX  program ( XXXX qualifying payments ), and to discharge me from the program by waiving my federal loans. As of today, XX/XX/XXXX, my paperwork has not been processed, dating all the way back to XX/XX/XXXX. According to MOHELA I have not fulfilled my end of the XXXX program, when in reality I have. 

This lack of updating, not current information, and subsequent delay in waiving of my federal loans is preventing me from seeking better paying employment. This is putting an undue hardship on my life and budget. I am effectively trapped in this low paying job until further notice. Currently I am struggling to make ends meet, and am only remaining in this job because as part of the XXXX program I am required to continue working at my current position until they finish processing my paperwork for waiving my loans. 

I have fulfilled my end of the XXXX program and now it is time for MOHELA, and the XXXX XXXX XXXXXXXX to uphold their end as well and waive my loans.

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 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES

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 2023-01-31 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: TX

Complaint narrative:
I have sent in the documents regarding the bankrupty matter in the cases refrenced due to several attempts it was never removed after being informed it was inaccurate BANKRUPTY CASE XXXX XXXX XXXX BANKRUPTY CASE XXXX XX/XX/XXXX this was FRAUD I HAVE SENT ALL DOCUMENTS TO XXXX COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
It came to my attention on Friday, XX/XX/2023, that for a year on my personal checking account with Chase, I was experiencing fraud using a false XXXX Account. Someone had somehow got my Debit Card information for this checking account and was charging small amounts at first {$10.00} here {$7.00} there and then they started charging, in the last few months, hundreds of dollars. This account is used for just deposits and paying my monthly electric bill and XXXX fees. I have not used this debit card in over a year. The amounts were not that much and went unnoticed. I have provided a letter from XXXX confirming this is not my account as well as a transaction history from them showing these charges are not mine. Even after putting Chase on notice on XX/XX/XXXX they still let additional charges go through for another {$190.00} in XXXX day. Chase has refused to reinstate this loss to my account stating " We found that the transaction ( s ) was processed according to the information you provided or was authorized. '' I have also gone to my local branch office to get further assistance however this has not helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open 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 non-monetary relief
Consumer complaint received 2023-01-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
BANKRUPTY NEEDS TO BE REMOVED ITS INNACURATE

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 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: FL

Complaint narrative:
Hi my name is XXXX In XX/XX/2021 I got an apartment in XXXX. As this was during covid I did not know my company jokes would reduce. I was not able to pay for the apartment. So I went to the manager of the company and told them the situation and they said they wouldn't charge me. However 6 months later I got a collections for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Not Approved For Credit

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have been an excellent customer with a Capital One Venture Card for many years. 
After my card apparently was compromised ( probably during a trip a couple of weeks ago ), Capital One has insisted repeatedly that they need my mobile phone number for security purposes before sending me a new card. They never mentioned anything about using email as an alternative. 
This makes absolutely no sense. I have been living at my current address for over 8 years, and they would have been sending my new card here to this address. Also, I was telephoning them from my home phone number, and their recording even stated that I was calling from the number that they had on file. 
In my opinion, this was an attempt to obtain my mobile phone number ( which I try to protect -- and yes, I do realize that it is a losing battle ). This had absolutely nothing to do with security. 
So, I literally ended up closing my Capital One credit card account over this. 
I would also like to add that I received an email stating that Capital One was going to send me a new card ( even though they did not ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: Experian Information Solutions Inc.
State: FL

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. XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than 7 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 non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple unauthorize reverse transaction had taken place on my account for {$1800.00}, {$1500.00} on XX/XX/XXXX, XXXX  XXXX XXXX. The {$2300.00} and {$2400.00} on XX/XX/XXXX. This was fraudulent tranaction that had take place on. my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: EQUIFAX, INC.
State: MN

Complaint narrative:
I disputed discrepancies on my consumer report and they were not removed as they should have been.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: MD

Complaint narrative:
I paid my car and I have received my title as of yet.

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 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
There are chain mistakes from Bank Capitalone side.. 
On XX/XX/2022, their first mistake : there was {$100000.00} transfer out from my account ( XXXX ) without my fully understanding authorization ( supposedly it should be reversal or confirm ) nor my signature ( so large amount without any translator? XXXX discrimination? ) to an uncertain/erroneous company ( Capital one never background check company before sending transfer? Neither no any warning note letter notice to the customer before action? ), when I found something wrong, I tried to call customer service immediately, and the manager, even their top managementbut nobody cam dispute/reimburse my money back so far. The claim # XXXX, ( Per XXXX XXXX procedure, Get a refund for a claim : Temporary credit will typically be granted within XXXX business days so that you have use of the funds ) ->But receive nothing from capital one yet This amount maybe so small for a big company ; but its very important for my family. So I come here to ask your help for my right and fund back, your promptly action and reply this email : XXXX will be appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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:
Back on XX/XX/XXXX XXXX XXXX XXXX XXXX charged my XXXXXXXX XXXX {$210.00}, then again XXXX Charged me {$210.00} on XX/XX/XXXX. I called Barclays and did a dispute immediately ( I got a case number, but I cant locate that information and Barclays never emails me anything to have as a record ). On XX/XX/XXXX I noticed XXXX XXXX XXXX XXXX processed a credit for the duplicate charge of {$210.00}. Now on XX/XX/XXXX I noticed early in the morning again the same charge totaling {$210.00}. I do not know what the heck is going on or who is doing this XXXX or the Bank. On XX/XX/XXXX at XXXX more or less I called Barclays XXXX Disputes department and spoke to XXXX XXXX XXXX told me the {$210.00} is a valid charge and that the merchant sent a bunch of documents to proof it is a valid charge. I told him if he did the math on my account for the times {$210.00} has posted and he continued to tell me the case is closed. I have tried many times to approach all my disputes accordingly and to the proper channel, however it is just impossible and a nightmare to get someone who understands and offers guidance finally a workable solution. I am very close to closing my account ( s ) with Barclays only because of this and the headaches caused because of lack of knowledge and practice by the people who work when calling customer service. I am very very disappointed and I need someone to help me change my mind with all of the issues and inconveniences I have encountered and to remain as a customer. I do not owe {$210.00}, I have already been charged for this and I paid it.

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 2023-01-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a XXXX XXXX credit card issued by Chase. The card was advertised heavily to offer one free checked bag per person when the card is used to purchase XXXX tickets. Several times XXXX has required me to pay to check the bag, but has then refunded the amount I paid. For a trip in XXXX, however, XXXX refused to refund the amount ( {$150.00} ). I tried to dispute the amount with Chase, but they will not let me file a dispute, since I agreed to pay the charge when I checked the bag. Yes, standing at the airport with a large bag an hour and a half before my flight, I agreed to pay the charge ( because I had no other choice ), and assumed it would be refunded. Chase insists I have no recourse with them, even though it was their advertisement of the incentive of free checked bags that caused me to apply for and use their credit card. The flights were on XXXX XXXX, XXXX  ; my husband and I were each charged {$75.00}. I have talked to Chase on the phone and tried to file a dispute through their web site. ( XXXX agrees that I was not supposed to pay for the bags, but they issued a travel credit for {$150.00}. I have told XXXX I don't want a travel credit, I want a refund, but no-one at XXXX seems to have the authority to reverse the travel credit and issue a refund. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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