vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was awarded {$3000.00} on XX/XX/2021 Next day I received a text from EDD Alert stating I had to reactivate my Bank of America card and sent me a link that took me to an actual edd website and had me enter my credit card information. I fell for it because of how the website looked and after that a couple min later I received a text of my new balanced someone had transferred {$2900.00} into a savings/checking account which I didnt own a checked or savings account or I didnt authorize that. After filing a claim with Bank of America on XX/XX/2021 I been getting denied and its still under review. Now if I would to go to the website its a broken link

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 monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
My current mortgage servicer ( Shellpoint ) acquired my loan from XXXX XXXX, in approximately XXXX of XXXX. At the time I was paying {$1500.00} per month to XXXX XXXX. XXXX XXXX always set aside a portion of my payment towards escrow. In an escrow account they set up for my account. When they transferred my account to Shellpoint, I was still paying the same {$1500.00} per month. For a while I didn't even know they had transferred my account. But I continued to make my {$1500.00} monthly payment to Shellpoint. It turns out that Shellpoint failed to set up an escrow account for my payments, and they, in fact misapplied my entire {$1500.00} to " principal & interest ''. Not setting aside any amount towards escrow and not informing me that they viewed my monthly mortgage payment as {$680.00} per month.. Yet not applying the remaining {$820.00} to my escrow account. This went on for approximately 2 years.

Sometime during the pandemic, when businesses were shutting down, I received several threats from various collections companies threatening to garnish my wages. I sought the help of a lawyer ( big mistake ) who decided I needed to file for XXXX XXXX, instead of just dealing with the 2 small collections companies who were making the threats. I was not behind on my mortgage. When I filed, based on that lawyers very bad advice, Shellpoint decided that all of the payments that I made and they did not take out any escrow, they would put into their XXXX and claim that I owed them back escrow payment?!? They unlawfully claimed that I owed them in excess of {$14000.00} because I did not make any escrow payments... Even though, I did... But They were the one 's who were negligent in 1 ) Not opening an escrow account for my account until literally XXXX of XXXX. And 2 ) They misapplied the proceeds of my payments by not separating my escrow portion of my payments, and instead applied the entire amount to my principal & interest. Further, they are now claiming that they do not have any record of my most recent payments. I am paying them, they are losing track of my payments. When I call they don't seem to have a clue as to where my money went. Even though I have receipts from my bank for each of my payments!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: CA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I've had issues with the last 3 billing cycles specifically with care credit company. I am not fully aware of the interest accrued as well as late payments they say were missed. I've been charged unexpected late payments which has affected my credit score as well as balance on card. Every time this company stated there was a late payment I've had to call and speak with different representatives just for them to remove the inaccurate late pays. I need a solution to this frequent problem. I don't feel good as a consumer knowing that this issue has occurred on multiple occasions. I've had to reach out to the financial institution they withdraw money from due to care credit stating they've never received payment from my account and sometimes payments were taken out twice and they stated it was nothing they could do about it when I reached out. The representatives were extremely rude when needing help. There should be no late fees as well as accrued interest. My credit limit has even decreased from {$800.00} to {$550.00} due to erroneous information they stated was on my consumer report. I do not agree with this and the company has to be held accountable for their actions.

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 2022-09-19 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: PA

Complaint narrative:
Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Do to a number of FDCPA VIOLATIONS Ive noticed on my Consumer report I would like the following inquiries/accounts removed from my Consumer report. Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I sent {$1400.00} from my XXXX  XXXX XXXX checking account to my CASH APP account and then sent that {$1400.00} to my BOYFRIEND 'S CASH APP account- somehow during this process it was flagged as fraud via XXXX  XXXX XXXX and IT WAS NOT FRAUD. I called XXXX  XXXX XXXX and WITHDREW the fraud complaint that was filed and they did withdraw it. I have a letter stating that on XX/XX/2022 this fraud claim was RESOLVED AND CLOSED and since there was no fraud that my boyfriend would receive the money with 45 calendar days. It has since been over the 45 days and we still have not received the money from Cash App back and they have no answer as to where the money is and how we can get this back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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.

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

XXXX. XXXX XXXX  opened XX/XX/XXXX. 
XXXX. XXXX XXXX, XXXX opened XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX opened XX/XX/XXXX Per - 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Per - 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FC HoldCo LLC
State: CA

Complaint narrative:
Throughout the life of the loan they have been either applied all of my payments or a majority of the payments to interest and not the principal therefore creating an excessive interest amount collection for the life of the loan and not what the contracts states I would be charged

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 2022-09-19 00:00:00
Product: Credit card or prepaid card — Store credit 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: IL

Complaint narrative:
Best Buy Credit Card through Citi Bank- Citi Retail Services . 

Closed account on XX/XX/2022 and attempted to set up a hardships payment plan with Citi Bank- Citi Retail Services . 

The account was closed after a sudden large jump in minimum payments due with no warning. The $ XXXXmo minimum payment jumped to XXXX XXXX/mo ( for XX/XX/2022 and further ), which was far too much for my current financial abilities. The total balance on the account is {$2200.00}, and a payment plan of XXXX XXXX/mo is not unheard of for that amount. 

The customer service representative looked into hardship payment plans with a monthly payment plan of {$30.00}. Unfortunately, they could not find any such payment plan and did not offer any other plans that were within the affordable payment range. They referred me to XXXX XXXX XXXX XXXX XXXX XXXX and The Consumer Credit Bureau to find a credit counselor to assist with credit education. The XXXX  referred me, without consideration, to XXXX XXXX XXXX XXXX, which is an organization I do not support or want to be affiliated with.

I have other closed credit account payment plans with a set minimum payment that is within my budget. This act of refusing me a hardship payment plan by Citi Bank will continue to increase my late payments on the closed account since I am only able to pay $ XXXXmo at this time. The unwillingness to work with me to find a plan, and to refer me to organizations that will not set up a payment plan is a tactic that punishes poor people, keeps people in debt, and allows the bank to continue to collect and grow their own wealth with the disregard to human rights. 

With inflation, significant increases in gas and electric bills, and a lack of government accountability, a 256 % payment increase is obscene and inhumane.

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 2022-09-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
I have not had any issues with Citi bank since i have been a user since XXXX. I have always paid on time. I decided to check all my credit card accounts online on XX/XX/XXXX and i noticed my Citi / AAdvantage Platinum Select Card has been used aggressively and most of the charges where made by someone else apart from me or my authorized users who had access to one of me and my authorized user cards. We personally only made few charges and the rest is not our doing. I made this clear to the bank and they told me everything i have been saying doesn't had up. How I'm i supposed to know how my cards where used. If i had not checked on time i'm sure it would have been more than these amount. I confirmed from the customer care that the amounts is summed up to be {$42000.00}. I am so frustrated right now. Reading reviews online about what people experienced and what the customer care told them has been the exact thing i am being told. I never made any of this charges and i was also told i am not responsible for paying them back. But they make it sound as if i am going to be the one paying the full amounts. I have cancelled the old card and i have gotten the new card shipped to my address but i haven't activated it yet till this issue has been fixed

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 monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX  cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Attempted to correct via dispute but bank does not respond correctly. They continue to report incorrect balance even though they were paid {$400.00} By another bank who confirmed they accepted payment when I refinanced months ago and even as they confirmed. They never reported the correct amount of {$400.00} to the credit bureaus and still had it posting wrong up until today when they charged it off using that incorrect amount. This effected a number of our financial transactions and lenders. Sadly they wrote it off well over a year ago as well and it went to attorney. Attempts to pay XXXX cents were rejected and went no where with the bank or the attorney. Furthermorevtwo letters defining this situation to your office ( CFPB ) have gone unaswered with no response. If this can not be resolved ASAP I WILL BE FORCED TO seek legal ACTION AGAINST ALL THE PARTIES INVOLVED. RESPECTFULLY. Ps ss last 4. ( XXXX ). Posted here because after two years you still have NOTvrepaird the software issue in that it does NOT. Accept the numeric numbers. I wonder if your even capable or just do not give a XXXX?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
Resurgent is trying to collect a almost XXXX debt with a XXXX that is not mine!! 
I have no idea who opened and used my information since XXXX  they said!!! 
Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 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: MN

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXXXXXX XXXX XXXX ), has violated my rights. 

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

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

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 2022-09-19 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: MN

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

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

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

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 2022-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX Notice to opt-out of credit reporting provided to the company this date. 
I have not provided written consent to report nonpublic information to third parties. 

Equifax consumer report reflects disclosure of nonpublic information as early as XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
According to your response on a previous CFPB complaint response, you said that the previous contract " was not funded ''. However, I never submitted two contracts. I have one contract ( contract # XXXX ). Is this the contract you are referring to? If it is, then you are now saying that the contract is void and holds no value. Seeing how this was an error on your end and the car dealership 's end. This has become a problem for me considering you have been reporting false information to the credit bureaus as I first exclaimed. I hope that you understand the importance of being completely honest regarding federal statutes. Again, there are serious penalties from the federal government for violating TILA. Failing to accurately disclose finance charges, APR charges, and the misapplication of daily interest are shown on contract XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Since the life of the card, I have had numerous issues making payments with this company. I have attempted to make payments to this company from two different banks & bank accounts to no avail. This company claims my banks are rejecting them, however my banks state that they never received the request. After that didn't work, I made payments with XXXX and still had issues with this company. They call multiple times a day and they don't seem to care that they are breaking the law with their collection practices. They have charged {$40.00} each time this has happened for late fees. This fee I have incurred multiple times even when it was paid by XXXX in advance. They have charged over the limit fees of {$29.00} & {$35.00} after they caused the account to be over the limit by adding late fees or the {$100.00} membership fee, I was unaware of. This company makes it almost impossible to get your cards paid off because of the fees. I am afraid to answer my phone because they call multiple times a day even after they have left messages and they spoof other businesses numbers to get you to answer the phone. Even after paying almost {$400.00} in fees this month, they are still calling and requesting more money. This company has made my life miserable, and I want them stopped. I currently have 3 cards with them ( Destiny XXXX, Milestone XXXX, and Indigo XXXX  ). Both myself and my wife have spoken with this company to rectify this situation and they are either extremely rude or they are not helpful with this situation. I have even been threatened with court proceedings from this company.

Company response to consumer: Closed with explanation