vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
XXXX Never got invoiced by the company send to collections agency and apparently owe {$8900.00} & XXXX never asked to get medical help or attention and believe this is scam since never recieved invoice till now

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: TransferWise Ltd
State: DC

Complaint narrative:
XX/XX/2022 - I sent an international transfer of {$1000.00} through XXXX website to XXXX to a family friend to cover unexpected medical expenses and in the reference field i had written " from XXXX ''. 
XX/XX/XXXX and XXXX of 2022 - I received an email from XXXX asking for additional information : A detailed purpose for this transfer ; my relationship with the recipient ; and what. " XXXX '' refers to the reference field. 
XX/XX/2022 - I answered the questions and in particular disclosed that XXXX is my wife. 
XX/XX/2022 - I received an email from XXXX asking for Full name, date of birth ( dd/mm/yyyy ) and place of birth of my wife XXXX XX/XX/2022 XXXX I called Wise support to find out why Wise needs my wife 's personal information. XXXX answer was that this is a regulatory requirement. 
XX/XX/2022 - XXXX wrote and said that they will reject the payment if they don't have my wife 's personal data. 
XX/XX/2022 - I replied and mentioned that the fund was already in the recipient account and that it was withdrawn and inquired as to what would happen if I go the route of cancelling the transaction. I also asked for the following information : May I please know which regulatory body is requesting this information. Is this a US regulatory request or is it the XXXX  governing request? Can I please get the text of the regulation where it states that information related to relatives of the sender of the transaction is required? May I also please know what constitutes the " detailed purpose of this transaction ''? 
XX/XX/XXXX XXXX I received an email from XXXX XXXX again with a boilerplate template answer that they need the information due to regulatory requirements and they just sent me a link to the user agreement. XXXX failed to answer any of my questions specifically as to why XXXX was requesting my wife 's personal data. Furthermore, XXXX threatened to close my account. 
XX/XX/XXXX XXXX I replied to XXXX XXXX the information they requested. Since I had done business with XXXX for many years and had all my contacts established in application, I did not want my account to be closed by XXXX. I was hence forced to give up my wife 's personal data. I requested XXXX for the contact information of someone in the chain of management and corporate office address to escalate my grievance. 
XX/XX/XXXX XXXX I received a message from XXXX XXXX that the matter is resolved. XXXX however again failed to provide any specifics as to why they required my wife 's personal data except by providing the same generic answer that they under regulatory requirements to do. XXXX did not provide me with the regulatory statute enabling them to cast such a wide net of collecting personal information of relatives of an account holder. XXXX did not provide me any escalation point for this matter ( i.e. someone in management chain or corporate office contact )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TX

Complaint narrative:
in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) XXXX XXXX XXXX account # XXXX XXXX ) XXXX XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/ 2022, I spoke with a counselor at XXXX XXXX XXXX and Select Portfolio Servicing inc. a conversation that was recorded ( please see complaint # XXXX ). During the conversation the representatirive from SPS told me that I was going to be three months behind and facing foreclosure soon even though I was in forbearance. They told me that they had started a special account of unapplied accounts and that I had a balance of over {$400.00} and that if I paid {$350.00} dollars that suddenly I would not be 3 months behind in my mortgage payment, but rather only two. This was a secret that the representative said SPS didnt really want her telling me. My mother who is retired and does not have much income wanted to stop SPS from foreclosing on me. She was generous enough to pay {$350.00} to SPS on XXXX2022. This is how SPS tricked me and my mother into paying them an extra {$350.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am on XXXX XXXX service with the United States XXXX XXXX. While on XXXX XXXX, I applied for the Barclays Luxury Card in XXXX. When I applied I was informed that due to my XXXX XXXX status, the card 's {$990.00} annual fee would be waived, as well as zero percent interest charges during the duration of my XXXX XXXX status. Barclays Luxury Card honored this " XXXX XXXX XXXX '' for only one year. Each year thus far, ( XXXX ) I have been charged a {$990.00} Annual Fee. There will also be another {$990.00} Annual Fee posting to my account in XXXX of XXXX. I have spoken with other colleagues that were grandfathered into the original " XXXX XXXX XXXX '' due to their ongoing XXXX XXXX status. 

Please see supporting Documents attached as well as links to news article concerning this matter below : Link to article XXXX XXXX XXXX XXXXXXXX

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 2022-03-26 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: AES/PHEAA
State: FL

Complaint narrative:
I have student loans with AES, this is the third time that I have had to file a complaint. Once again, before the student loan freeze is over, AES is sending me threatening letters about repayment. The two times previous they have had to remove the current charges, but in both cases, I have had to file a complaint with your office. At what point, does the CFPB reach with AES that it sees they are nothing more that a predatory lending operation? Even with the loans suspended, I have tried to continue to make some form of payment, but these people feel they are above the law. Once again, please enforce the freeze on these people, they can't seem to police themselves!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TRUIST FINANCIAL CORPORATION
State: RI

Complaint narrative:
My original car loan was with Suntrust who was bought recently by Truist. I refinanced this loan with XXXX  XXXX  XXXX XXXX. The current lien holder, XXXX  XXXX XXXX, has submitted payoff information multiple times to Truist. We do not hear back or see any updates in the status of the lien release. Every time I call Truist they do not know how to handle my request for a lien release. Its an hour hold time each time you need a representative. I dont think its fair to devote so much time to get a representative who is unable to help. I have had multiple calls where I have been transferred to other departments where you then have to wait on hold for another hour. I have been transfered to internal departments who then refuse to help because quote " your on an internal line ''. Which is essentially a line they are using to get you off the line. I feel like no one is willing to help or go the extra mile. At this point I'm paying two car payments. This loan I'm writing about is for a car that has since been totaled in an accident. I can not get the loan payment by the insurance company until this title issue is resolved. Suntrust is so bad they dont even have my correct address. I know this because they said they mailed the lien release to my old Texas address not even to the current lien holder. Which should be a no no! Why would i get the lien release sent to me I wasnt the one who paid off the loan it was XXXX XXXX  XXXX XXXX. I've given multiple opportunities for Suntrust to update my address. Supposedly the refinance request was confirmed closed with Truist on XX/XX/XXXX. If thats the case I want to know why XXXX XXXX XXXX XXXX hasnt received it yet. 

Listed below are some of my calls XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX hr XXXX minutes XX/XX/2022 XXXX XXXX pm XXXX minutes XX/XX/2022 XXXX XXXX am XXXX hr XXXX minutes

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 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am having all different kinds of problems with my mortgage loan servicing provider. Please look at complaints # XXXX, # XXXX, # XXXX, # XXXX, and # XXXX. 

I suddenly owe - {$2300.00} or something in my escrow account I am not sure why. I believe that I was told that while I was in forbearance that I had to pay {$390.00} and that this was going to be applied to my escrow account to pay for my taxes. I am not 100 % sure on this and I dont have a recording, but I do believe this is what they said. I am not sure why I owe a negative balance in forebearance. I think this is fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) portfolio rtecovery assoc account # XXXX XXXX ) XXXX  XXXX  account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
in accordance with the fair credit act.the following accounts have violated my nrights. 

1 ) XXXX  XXXX  XXXX  account # XXXX XXXX ) lvnv funding account # XXXX 15 u.s.c 1681 section 602 a. states i have the right of privacy.

15 u.sc 1681 section 604 a section 2 ; it also states a consumer reporting agency can not furnish a account with my written instructions.

15 u.s.c 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received documents about my proposed forbearance on XX/XX/2022 from Select Portfolio Servicing. I looked through my documents and it seemed that there was a signature page missing, but I was not sure. I went online on XX/XX/2022 and felt really lucky that SPS actually upheld the forbearance because when I downloaded the documents from their website I was actually missing several pages including the signature page. I never signed to approve my forbearance. I was very happy that all three times that I called SPS confirmed that they had not been tricking me and that I was really on forbearance and that all I had to pay was {$390.00} and that they still confirm that I was on forbearance. Thank you SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: MO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a XXXX  XXXX  arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
I have been trying to pay off my Barclay card. The company hasn't been following my instructions in regards to using the appropriate account for withdraw of payment. Also the company has started become aggressive with trying to increase my monthly minimum payments without proper notice. Now I am showing that I am behind on my payments. Please assist me in trying to get this resolve.

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 2022-03-26 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am currently in the process of interviewing for a new job and all three bureuas have that I left my current job in XX/XX/2021 which i did not!!!

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 2022-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is reporting an inquiry on my credit report that I never authorized. On XX/XX/2022 I received an inquiry notice. I didn't give my authorization for any transaction from the company " XXXX XXXX '' in 2022. The company somehow without my permission, offer, or authorization submitted my social security number and an inquiry showed up on my report. This is a violation of 18 USC 1028A. I called XXXX XXXX and the manager admitted to using my information illegally to obtain information. I provided my name, phone number and account number that was I was asking about. I provided three pieces of information so that I wouldn't have to supply my social security number, yet it was used against my wishes. An inquiry is a receipt of a transaction, one which I didn't authorize.

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 2022-03-26 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: Americas Car-Mart, Inc.
State: AL

Complaint narrative:
My car went into the shop in XX/XX/2021, I made payments up until XXXX of 2021 when XXXX informed me that I could halt on my payments until I get my car back from the shop. It took them 6 months to fix my car. I got a call on XX/XX/XXXX to get my car back. The moment I went and got my car, I went straight to Car-mart and paid what was owed ( I have the receipt and paperwork ) and I asked them why my credit report showed repossession. I was assured from the assistant manager that corporate put false information and my report would be fixed. I made another payment a week and a half later. It's been 20 days and my report still say repossessed and closed. My car was never repossessed, and I am still making payments on this vehicle. I have contacted the lender and they told me that they could write a letter stating that my car was never repossessed and for me to dispute it on my report as well. I disputed it and it's been denied by the lender. I have contacted them multiple times regarding this, and they are refusing to fix this issue due to their system stating my account is active. I have receipts and paperwork to prove that my car was never repossessed it was in the shop. I have never been late on a payment with this company until they told me that halting my payments to get a rental car is what they suggest.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
They are liars in store and over the phone they lied to me I have a store card and wanted an upgrade to XXXX  I was told I can only do so in store and I would have to reapply I step I. Store for 1 hour was denied a XXXX  and offered the same store version what a waste of time its ashamed how they treat me and refuse to give a reason why I dont qualify I want XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
Sent out disputes letters and debt validation letter, no response was made. I tried to have them verify the debt over the phone and they ask me for my information when they already supposed to have that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with overdraft — Overdraft charges
Company: Netspend Corporation
State: AZ

Complaint narrative:
I am charged {$20.00} for every overdraft transaction. The only money that I receive monthly goes directly to this prepaid card its my daughters SSI I dont think its fair that Im being charged more than {$20.00} every month.

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