vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
XX/XX/XXXX I was XXXX payments behind on my mortgage and contacted the mortgage company for assistance. I initially fell behind on my mortgage because I was laid off due to Covid, I have since begun working again and I am now making more then I was when I bought the home. I was placed on a special forbearance and told it would be good through the end of XXXX During the special forbearance I was told to apply for a payment deferral which I did. I was initially told in XXXX I would have an answer regarding the deferral within 45-60 days. As of XX/XX/XXXX I still did not have an answer and was told to please allow more time for a decision to be made. While on the forbearance I was told that no payment was due and my credit was protected. I was also told I would be approved for the payment deferral as long as I didnt have a lien on my property ( which I dont ). I was told this by multiple loss mitigation agents. 

I spoke to : XXXX ( Agent ID XXXX ) Rajwinder ( Agent ID XXXX ) XXXXi ( Agent ID XXXX ) Each agent told me the same thing regarding the payment deferral. I asked to speak to a supervisor at least 5 separate times and was told a supervisor would call me within 24 -- 48 hours and no one ever called me back. 

Today XX/XX/XXXX I was told I was denied for the payment deferral because my investor did not allow for this type of assistance. This is not true, I have a VA loan and spoke to the VA and they in fact DO allow for payment deferrals and advised me to file a compliant with the CFPB once they heard my story. 

I do not understand why I was told to apply for a payment deferral if a payment deferral is not allowed on VA loans ( according to citizens bank ) I do not understand why it took 4 months for someone to tell me a payment deferral would not work due to my type of loan. 

I do not understand why I have not been contacted by a supervisor when I have asked to speak to one on at least 5 separate occasions. 

I do not understand why I was initially told I could make partial payments to get caught up and now I am being told Citizens will only accept a full payment and partial payments are not allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GATEWAY FIRST BANK
State: CA

Complaint narrative:
I received a letter from Gateway, the title of the letter states Escrow Checks. There was over a {$900.00} surplus as of XX/XX/XXXX ; however, Gateway mortgage never sent me the escrow surplus check. It was sneaky how they titled the electronic escrow letter as Eacrow check but did not send to me. Rather, they transferred my account to a new serviced and said I have to speak with the new serviced about the escrow surplus check. Why is that since Gateway Mortgage serviced my loan the entirety of XXXX and even prepared the Escrow Analysis for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: New Century Auto Sales, Inc.
State: ME

Complaint narrative:
Correction to complaint # XXXX Filed XXXX in XXXX. Right soon afterwards, I received a mailing from this company, in XXXX XXXX, regarding financing a vehicle post XXXX XXXX. I contacted company by telephone, and requested to be removed from thier mailing list. XXXX, XXXX, I received another letter, to whick I returned to sender. XXXX, XXXX, I received another mailing, to which I photographed the letter, and returned to sender. On the letter, I wrote " Refused and documented '', as well as " Do not call ''. which translates to please stop mailing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: Global Lending Services LLC
State: AL

Complaint narrative:
They stole my identity and took out 4 cars in my name without me being there, in states that I'm not like New York and New Jersey, I only own a single car and it's a white XXXX XXXX XXXX, the other cars are a fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I called on XX/XX/2023 to close the account. I received a email from avant that the account was closed. Then i receive a notification from the app that i was charged the late fee and I need to pay the account. I called and advised avant that I closed the account..today I received a bill it was not a final bill. And they are reporting false info to the credit Bureau as if the account is opened. I closed it and is waiting my final bill to pay it. I refuse to pay a late fee on a account that I closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: OK

Complaint narrative:
My husband and myself went into default on our home and it went into foreclosure status. We called our mortgage company and asked what It would take to bring our home loan current and to reinstate it. We wanted everything, the late fees, all of it. They sent me a letter with the exact amount to get us caught up through XXXX of XXXX. We paid it to Selene Finance at the emd of XX/XX/. We had a receipt for that amount. We recently got our mortgage statement in the mail, and tacked on to our regular mortgage payment was an extertainius fee for {$2600.00}. I called them and asked what was going on, because that shouldn't be on there and the person could not get a supervisor to talk to me all she said she could do was give us me a list of the breakdown of the fees. I said there is no way I'm paying these fees since you all already gave me a reinstatement letter, and we paid it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd
State: NJ

Complaint narrative:
Sent a wire for XXXX to wise they canceled transaction and refuse to refund money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
hello keep getting phone calls but the caller will not tell me the name of the debt collection company instead keep stating this is a personal financial matter are you ..my name.. i refuse to tell them due to they refuse to identify the company they represent and calling from a private number there fore i can not call them back. at least 10 phone calls sometimes call me 4 time in a week. also i recieved a email from midland credit managment with a statement saying pre legal notification no information regarding how much i owe just blank saying they want to resolve the issue also threatend to send to a attorney in my state if they don't hear from me.. i tried to reolve the issue with XXXX before this went to collections but got the run around tried to make a payment but was told numerous time by XXXX not to make a payment due to the account is under decision told to call back in 2 weeks when i called back they informed my it was charged off never allowed me to settle the account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: GA

Complaint narrative:
XXXX transunion and XXXX have all said that my credit report was true and accurate and it is not. 
They are also under several XXXX violations. 
15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX TransUnion nor XXXX can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that no consumer reporting agency may make any Consumer report containing any of the following items of information " any other adverse item of information other than records of conviction of crimes. '' 15 USC 1681n- I have received actual damages because of XXXX XXXX and transunion. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-13 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: GA

Complaint narrative:
XXXX XXXX and Equifax have all said that my credit report was true and accurate and it is not. 
They are also under several USC violations.

15 USC 1681b 15 USC 1681c 15 USC 1681n And now 15 USC 1611.

15 USC 1681b- states that any consumer reporting agency May furniture Consumer report under following circumstances and no other '' in accordance with the written instructions of the consumer to whom it relates ''. XXXX XXXX nor Equifax can produce this document because none of them had my written instruction to put these accounts on my credit report. 

15 USC 1681c- states that no consumer reporting agency may make any Consumer report containing any of the following items of information " any other adverse item of information other than records of conviction of crimes. '' 15 USC 1681n- I have received actual damages because of Equifax XXXX and XXXX. I can attach the documents for proof as well. I want to be compensated as well. 


I want the accounts listed below to be removed from my credit report for not being true and accurate. I also want them remove for being under several USC violations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
XX/XX/2023 - received collections letter on behalf of XXXX XXXX for a utility account that I never started in XXXX. 

XX/XX/2023 - called collections company to let them know it was fraud. They sent paperwork that I am supposed to fill out and return. After receiving paperwork, I decided not to send in as they ask for all of my personal information. 

XX/XX/2023 - called collections again, and they said that I will still owe the balance due, and are not acknowledging that it was fraud. 

Collections company is Online Collections XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 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: UPGRADE, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, UPGRADE, INC agreed to TERMINATE and DELETE all security interest, sharing and furnishing of an account opened with my credit financial information ( personal identification information ) due to fraud as a result of IDENTITY THEFT. I was given given several guarante by XXXX XXXX XXXX Department of said furnisher that all XXXX XXXX XXXX ( CRA ) that they UPGRADE, INC has shared my information with has been contacted and information will be deleted. 

On XX/XX/XXXX I contacted CRA XXXX regarding said information been reported by upgrade which I disputed with XXXX as FRAUD and IDENTITY THEFT and supplied appropriate supporting documents. XX/XX/XXXX. XXXX informed me that UPGRADE, INC VERIFIED the information as of XX/XX/XXXX to be ACCURATE and CERTIFIED true. 

I reach out to UPGRADE, INC on XX/XX/XXXX for clarification regarding the respond from XXXX to which I was inform they have deleted the account as of XX/XX/XXXX. This contradicts their reporting of said account and the statements been generated showing the account is still active even though it was closed and sold to a third party debt buyer as of XX/XX/XXXX. The account is still showing activity and still been furnished to CRA ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I did call to pay off the total debt amount for the card and requested the account to be closed as well. I did pay exactly the remaining amount they said it was needed for it be closed. Next month, they were calling me again saying I own late fees claiming the last payment was made a day after ( which I dont believe ), even though is not my fault they provided wrong information with malicious purposes to keep charging me. I refused to pay money I dont own to them and well they sent me to collections and have XXXX accounts against me. They justify their mistake saying the assessor who supposed to close the account was fired for his mistake, but didnt changed the status of the account and the amount is being increasing with the time, amount build by itself as late fees only.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Link Management, LLC
State: KY

Complaint narrative:
This phone number has been repeatedly calling me and my family. On XX/XX/ a vague voicemail, only identifying a XXXX as caller was left for me using my maiden name ( which has been changed for years ). A search of the phone number revealed potential scam- similar reports of a XXXX using a maiden name in regards to an incorrect debt. Today, XXXX, I answered. XXXX was argumentative and aggressive. I repeatedly voiced wanting to know who he was collecting for- to verify if it was a scam or not. XXXX became upset at my indication of a scam and continued to argue, wanting me to verify my identity. He continued to say that if I searched his number, the company he was calling for- Capital Link would be listed. When the XXXX number is searched, it does not show publicly as affiliated with Capital Link. At one point, in a threatening tone, XXXX argued that he had my full social and DOB. During the entire confrontation, he adamantly refused to identify who the debt was from. I have never received in writing an indication of a medical debt, nor has this XXXX from Capital Link ever informed me of the information I have right to- the identity of the original debt. I have no collection reports on any of my credit reports, and am currently up to date with nothing owed to any known medical bills. XXXX continued to argue, remain vague, and then disconnected my call when I requested to speak to a XXXX as his attitude was completely inappropriate. I have told him to stop contacting me and my associates as it is harassing at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
I contacted NewRez Mortgage on XX/XX/2023 about my taxes that are escrowed. They paid my property taxes on XX/XX/2023 which incurred late fees of {$1100.00}. I have submitted documents on XX/XX/2023 and again on XX/XX/2023. I have called on three separate occasions and they continue to either disconnect or state they need more time to research. When I log into my account online it states that the case has been closed. They still have not refunded my escrow account. I need them to refund my account and pay me back the interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
XXXXXXXX XXXX and early warning services have reported me and as I said someone fraudulently deposited a fake check into my account with XXXX XXXX XXXXXXXX they are trying to held me accountable for this action that was not made by me this is very unfair and unconvincing me to open new accounts and expansion for my business I feel like since Im a XXXXXXXX XXXX XXXX Im discriminated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I reached out to this agency in XX/XX/2021 regarding helping me to get the credit bureaus to remove the fraud alert on my credit file. I got a response from you all on XX/XX/2021 stating it was handled but still when I try to run my credit im being told there is a fraud alert on my 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 2023-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ACCORDING TO 15 USC 1681 THIS ACCOUNT SHOULD BE DELETED. THIS IS A DEFAMATION TO MY CHARACTER. I AM TRYING TO PURCHASE A HOME AND THIS IS EXTREMELY DETRIMENTAL TO MY PROGRESS. TRANSUNION ALREADY HAS A POLICE REPORT ON FILE RELATED TO THIS DISPUTE.

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