vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-24 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:
Hello, I did not apply for a credit card for the company XXXX, I dont know how Experian doesnt do anything about helping me out. There is actually a couple of closed accounts that were opened in my name that is hurting my credit score bad. Ive tried calling the companys to dispute it and report fraud on those accounts and I was told they would take care of it but nothing has changed or helped. Ive been disputing them constantly on my Experian account and I cant get any type of support except saying that it can not change on my account. Please help!!

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: TX

Complaint narrative:
I received notification that this account was added to my credit report. I did not receive a dunning letter. This account says it was opened in XX/XX/2021 and reported in XX/XX/2021. They had plenty of time to notify me of this debt. I want it removed immediately, not sold to another company and returned to its original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is in regard to my previous claim : XXXX Bank of America has wrongfully handed in my claim and has denied my dispute within the legal timeframe. I had not received the item I purchased from XXXX through my debit card from Bank of America. I opened the claim within 1 week and they denied it as they relied on a fake claim from the delivery service. Then they said I have missed the claim window. Now, they are saying I have to solve this with XXXX XXXX. It is not my job to deal with XXXX XXXX or delivery service ( XXXX ). It is Bank of America 's job to safely keep my money and be fraud-free as they had promised at their initial account opening. 

You have to revive my money XXXX and put it back in my account. Bank of America is responsible for my loss of XXXX. YOU HAVE TO give my money back.

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 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My family has been severely impacted by Covid. My husband lost his job last year and it took several months to find a new job. This job does not pay as much as his previous one, and this has cause us to fall severely behind on our financial obligations. Every single credit card company has come up with a plan to help us except Citi. I have two accounts with them and they only allowed one card to have a payment program. My payment is rising every single month and I am not even using my card. I was forced to use it once yesterday to pay for auto repairs otherwise I would not have a vehicle to take my kids to school. I can't believe they will not allow me to go into a hardship program when I so desperately need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
bank in MN would be XXXX XXXX using my name XXXX XXXX could possibly be XXXX XXXX using my name.Also child support was cancelled by my sons dad XXXX XXXX, our son is XXXX he stopped all arrears and back support, nothing filed in XX/XX/2020.Last time I checked my score was 680-760 only 3 months ago.Also I had transferred {$40.00} from my work pay check card ( wisely-daily pay ) to my bank account 3-4 weeks ago and it still is not in my account at XXXX XXXX  wondering why??? I also have identity theft through social security and federal and state.Also stolen DL and social security cards

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 2021-04-24 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: Block, Inc.
State: CT

Complaint narrative:
I placed an order via the drive thru at XXXX. I did not get what I ordered. I attempted to contact XXXX and got no response. I disputed the charge with the bank and they asked for the same information 4 times while not conducting any type of investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
On XX/XX/2021 at XXXX XXXX, I received a notification from my bank ( XXXX ) that my checking account was overdrafted. When I checked my account, there were 3 separate withdrawals initiated by Nationstar DBA Mr. Cooper for {$3000.00} each. That's the amount of my monthly autopayment for my mortgage, which was also withdrawn on XX/XX/2021 as usual. No payments are due or outstanding until XX/XX/2021. 

I called XXXX, they are putting a stop on the withdrawals at their end. 

I called Mr. Cooper/Nationstar, which hung up on me three times. I called their autopay department and left a message. I sent multiple " secure online messages '' via the mrcooper.com website, no one has replied. 

Mr. Cooper has taken $ XXXX of my money without notice or permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a XXXX transfer out from Citi account to XXXX XXXX  account on XXXX XXXX  2021 and it shows that money came into my XXXX XXXX  account on XXXXXXXX XXXX 2021. But when i checked into my Citi account on XXXX XXXX 2021, it is showing that this transaction is showing as returned now? 
When i contacted Citi about the same, Citi has the most lousy and useless excuse that after my XXXX XXXX  2021 ACH out transaction of {$2500.00} there was another ACH out transfer or {$200.00} from my Citi account to my XXXX XXXX thus {$2500.00} is returned as at a time there could only be one ACH out transfer. Citi Customer should one ACH out transfer only at a time. 

I checked with my XXXX XXXX account. {$2500.00} was there on XXXXXXXX XXXX  2021 and {$200.00} on XXXX XXXX 2021. What Citi is saying is very confusing and not accurate. 

It doesn't appear that Citi knows even the basics of banking. Overall Citi is too big, inefficient and worst customer service folks. 
Moreover why citi returned ACH out transaction of {$2500.00} and why not {$200.00}? as {$2500.00} was first transaction??? 
Very doubtful actions of Citi. 

I have to do another transaction of XXXX from Citi to XXXX  now. 
When checked with XXXX XXXX, they are also not aware of what citi is doing. 
Moreover Citi never sent me an email or communicate that they are going to do the reverse of any ACH transaction.

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 2021-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
There is no way to make payment towards your loan principal online. I try to contact Navient customer service, but they are closed and their XXXX customer service bot does not provide any information on how to pay toward principal, only how to make normal payments towards fees and interest. After spending an hour on the website, I was able to figure out how to pay towards my principal. In order to make these payments towards principle, you have to write a check and mail it to Navient, and include a note that specifies that this payment must be made toward principal and include account number. You have to find the address, which is different depending on the type of loan you wish to repay. 

Additionally, Navient offers settings online that determine where any overpayment might be sent. None of these options give the choice of paying towards principal. 

In order for anyone to pay off a loan within a reasonable amount of time, it is advised to make additional payments towards principal. As a loan servicer, Navient knows this and clearly does not want you to pay down principal as evidenced by how hard they make it to make these payments and to find information on how to make these payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Good day XXXX XXXX XXXX XXXX : I wish to file a complaint against Barclays Bank Delaware, issuer of XXXX  XXXX for damaging my credit by their own admitted error, then refusing to fix it. 

On XX/XX/XXXX, XXXX XXXX XXXX charged my XXXX credit card in the amount of {$99.00} for its annual membership fee. Had that charge remained active, it would have been due in XX/XX/XXXX. 

On XX/XX/XXXX ( before the payment was due ) I called XXXX and they agreed to remove the annual fee charge and close the credit card account. I was assured by the Barclays phone rep that the account had XXXX balance and that it was safe to close. 

Several weeks later ( late XX/XX/XXXX XXXX, I happened to check the Barclays app, and I noticed that the card still showed a {$99.00} balance. Concerned, I called XXXX and asked why a charge was showing. They assured me that the app was wrong and that the account had XXXX balance. 

Fast forward to XX/XX/XXXX. I financed a car and was informed by the auto loan company that I did not qualify for low interest rates because my credit score was XXXX. I was shocked as my score has been between XXXX for years ; I have never ever missed a credit card payment. I check XXXX  and lo and behold, my score dropped by XXXX points on XX/XX/XXXX due to Barclays inaccurately reporting a missed payment of {$99.00}. 

I have called Barclays an additional two times since then to get this resolved and each time I was assured that the late payment report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was their error due to a system glitch and that they would get it resolved as soon as possible. However, as of today they have not even removed the {$99.00} showing due on my account! I will also be sending Barclays a certified mail letter on Monday. 

This error of Barclays has cost me both money every month for car loan interest, and also makes it difficult for me to rent an apartment until this is fixed. 

To summarize, I wish to file a complaint against Barclays Bank Delaware for damaging my credit score due to their system glitch then refusing to fix the error after being contacted three times about it ( I will also continue to contact them and follow up on this ). 

Thank you.

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Employee was told not to contact me at work and they did it 2 times after I told them not to. I spoke to their XXXX Manager about it and he basically kept over talking me and telling me I need to pay my debt. He was not too concerned about them calling me at work after I told them not to.

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 2021-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Account showed up on credit report with no prior knowledge of account or actual item trying to be collected against. The collector then tried passing the debt along to husband representing as his as well with no written notice of debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper Mortgage Lender recently aquired my loan from another lender. I did not receive information about this until AFTER the pay date. They never sent the information or payment requests. However, I did manage to figure it out and pay them ON TIME online on XX/XX/12. 

Then, without my permission, on XX/XX/XXXX, they withdrew money from my account. They made me pay my mortgage twice in XXXX without permission. My mortgage is not due until XXXX. 

This is a HUGE issue. You can't just go into someone's bank account when they have already paid their mortgage, are current with payments, and STEAL their money. I am filing a complaint with my bank as well. Because of their idiocy and greed and incompetence, I will be late paying ALL MY OTHER BILLS. 

This needs to be dealt with ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper mortgage company withdrew 2 unauthorized payments from my account overnight ( XX/XX/2021 ) each in the amount of {$2400.00}. I am not signed up for auto-pay. I did not authorize these payments. My payment was not due. I am not late on payments. They are not answering calls even though their call center is open. My bank is overwhelmed and I can not get through to them. Per social media, MANY other customers with Mr. Cooper are having the exact same problem this morning. My checking account is now overdrawn by $ XXXX and I have no access to MY MONEY that they STOLE from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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: FC HoldCo LLC
State: IL

Complaint narrative:
Flagship replied with a full investigation ( letter ) of the auto account but they left out significant and pertinent information to the account but their letter shows they were not timely or truthful about the various other verifications were all lies.

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 2021-04-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal Hello, i hope you will help me to fix my account, i dont know that the form i filled -up already to previous pages is correct to my problem right now..and the problem is my paypal account i cant sending money to my friends, i think i 'am wrong because before this is happened to my account i put the 2 bank account number which is same bank account ( the one is the account number printed on my atm and the other one is the account number that the bank gave to me ) i mean i'am carried away of puting the right bank account number i should put is the account number printed on my atm, then after so many times i am trying to sending money to my friends, but my account saids that i need to email first, i tried to ask to the company but still i can not get the right answer to my problem, and until now i tried to sending money to my second paypal account but still i cant..i hope to here your answer as soon as possible related why i cant sending, receiving and withdraw my money.i hope you will fix my account Please email me to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 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:
They call me over and over 27 minutes apart, every day. The account had been closed at the end of last year due to a lack of income from me because of impacts from Covid-19 and they put me on a repayment plan, and its been discussed with the company multiple times. Yet Comenity is still calling me over 15 times every day from XXXX until XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I had a cash management account with Robinhood. However I requested an ACAT transfer to another institution which they later denied. But ever since now I cant use my debit card and all my EFT payments using account and routing numbers have been declined. As well as deposits, withdraws and day to day transactions. Ive ask many times for a fix but no response as of yet and its been a few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I have three mortgages on three separate properties which are serviced by Mr Cooper. Hey are all on auto payment though my XXXX Checking account. The standard monthly payment on all three were processed for my XXXX payment. 

Today, mr Cooper initiated addition payments via ACH transfer on all three accounts two more times, causing and overdraw situation of my bank account. 

Pending ORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00} PendingORIG CO NAME XXXX Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1300.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR : Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1400.00} PendingORIG CO NAME : Nationstar dba CO ENTRY DESCR XXXX Mr Cooper SEC : PPD ORIG ID:XXXX ACH debit {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Our Mortgage holder, Mr. Cooper ( Nationstar ) withdrew funds, without consent, between XXXX XXXX-XXXX XXXX XXXX. The amount of each withdrawal is {$1300.00} totaling {$2700.00}. Our bank account ( held with XXXX ) is now overdrawn and will likely incur overdraft fees which is {$35.00} a charge. We have bills to pay and now we can't make and payments or purchases without being declined or charged a fee. 

Our account is NOT set up for automatic payments. We schedule our mortgage payments or submit a payment. 

I have called " Mr. Cooper '' four times on XXXX, requested call backs twice, and submitted two " tickets '' through their website and attempted to communicate via their " live chat '' which is saying " it is not working at this time ''. All of this is documented. Mr. Cooper has not answered calls, messages, or returned my call at the suggestion of the automated phone bot. 

There are others posting on Mr. Coopers social media sites that are experiencing this issue, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received an alert from my Online bank account of Bank of America about my account reconfiguration, then i get to my Bank of America online bank account and saw that there were a withdraw for {$5000.00} in pending status in my Bank account and called immediately to my bank, they said me a person identified as XXXX XXXX was withdrawing {$5000.00} in a bank location and I asked them to stop that transaction immediately because it was a fraud and that I did not recognize that transaction. While I was talking on the phone with the bank, I tried to log into my online account again and I couldn't do it because the person who was committing the fraud changed my password. After spending more than an hour on the call with the bank, they tell me that the money was withdrawn, I make a complaint and explained them i have not given authorization to anyone to make a withdrawal in my name and that I do not recognize that transaction, that I have never lost my documentation, ID nor credit cards and that it is not possible for another person to have them in their possession. They told me the did not know how the money had been withdrawn, if through a check or a withdrawal and I told them that it is not possible that they have done through a check because I have never had BOA checks and not through me debit card since I had it in my position. This withdrawn was done at XXXX XXXX XXXX, XXXX TX XXXX, Branch XXXX XXXX of Bank of America. I submitted my claim the same day the fraud occurred ( XXXX XXXX ) 22 days have passed and I have not received any response from the bank and so far the bank has not returned my money, nor has they sent me any communication regarding my claim, so I think they have not processed my claim. 
I notified the police of the fraud that occurred and they have asked me for a statement from the bank regarding my claim and the bank has not sent it to me, so I have not been able to continue with my process before the police

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