vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: MIDFIRST BANK
State: CT

Complaint narrative:
We are trying to close on this property ( we are the sellers ) and suffered a loss due to theft of copper pipes, appliances, and damage to doors and floors. We jumped through every hoop set forth by Midland including the contractor choice being influenced by them in order to get the check endorsed by them and expedited back to us. We got them the insurance check on this Tuesday morning ( the XXXX ). The person we spoke with on Tuesday or Wednesday indicated Midland had everything they needed to get the check endorsed and sent back to us overnight per our request. The contractor will not start work until they are paid in full because the bulk of the bid is for materials and appliances. 

Now we are being told that they are treating this case per their delinquent mortgage process because they have us listed as and reported as delinquent under the CARES Act COVID forbearance we signed up for. They state this is because we were delinquent as of XX/XX/20 even though we brought the loan current by way of a permanent XXXX after XX/XX/20. We requested the CARES Act COVID forbearance as of XX/XX/20. As a result of their misinterpretation of the CARES Act, they are reporting us as late and will only release the insurance proceeds in stages, which our contractor will not accept and will not perform any work on or purchase materials for the property until they receive all the funds. 

This is putting us at a disadvantage because Midland and its fraudulent practices are keeping us financially beholden to them and preventing us the means to pay this mortgage loan off in full. Our buyer might back out if the closing is pushed out again. The only thing holding up payment of the mortgage loan in full is Midland itself. Failure to pay this loan off is also harming HUD as this is an FHA loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NC

Complaint narrative:
I am a consumer as identified in XXXX XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

Bank XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to Sunrise Credit Services. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

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 2021-11-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
I XXXX XXXX, consumer, natural person and original creditor of an open-end credit plan. I received a letter via U.S mail from U.S Bank XXXX XXXX U.S. Bank denying me of my right of credit on a open-end credit plan. Pursuant to XXXX XXXX defines the Truth in Lending Act, I am a natural person who possess an open-end credit plan who was harmed by U.S. Bank XXXX XXXX action taken against me. Denying me of my rights holds U.S. Bank civilly liable. The damages pursuant to XXXX ( a ) ( XXXX ) ( A ) ( iii ) are up to {$5000.00}. U.S Bank is now civilly liable to pay me for the damages.

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 2021-11-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: NC

Complaint narrative:
I am a consumer as identified in FDCPA XXXX XXXX XXXX a ( XXXX ) and I have a right to privacy pursuant to XXXX XXXX ( a ) ( XXXX ). 

XXXX XXXX XXXX XXXX is in violation according to the XXXX XXXX for comprising my information to InDebted. I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. 
Also Financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the XXXX XXXX. The FTC is one of the federal agencies that enforces provisions of XXXX XXXX XXXX and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the XXXX XXXX, which requires all financial institutions to maintain XXXX to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
Received letter from Credit Collection Services wriiten XX/XX/2021. collect a debt for XXXX for XXXX XXXX. I called they stated its an account that was suspended in colorado during the summer of 2021. I live in Illinois. Haven't had an active account with XXXX for like 10 years. I called XXXX my account is paid in full and i have no outstanding debt. never have had any and never reported to any collections including their own.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

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 2021-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Experian & XXXX is unwilling to accept of investigate this claims online or thru mail.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied this week for a no fee credit card with Amex. I have a screen shot of my acceptance for that card. Instead of that card, they sent me a XXXX card, which costs {$500.00} a year. I called, and they asked if they should cancel. I said yes. But now my credit score has been hurt because of both the application and the cancellation. I tried to get a supervisor on my call, but they just transferred me to another sales rep. I then again asked for a supervisor, but was just put on hold. After one hour, I had to go to an appointment. This has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc.
State: MD

Complaint narrative:
I send {$100.00} to my nephew in XXXX on XX/XX/2021. A reply came back to me that the money has been sent and delivered. Three days later the money was not in the recipient 's account. I have contacted Sendwave and told them that the money has not been delivered. Later, they sent me a text that they will cancel the transaction and will return the money to me in 2 to 3 business days. Till now the money has not been returned to me, instead they will be sending text to me every 6 day. What I understand from the text is that the money will never be returned to me, but they are trying to get the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-19 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, there are incorrect information found in my reports that needs to investigate. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the Inquiry that is reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
Dear Honda finance, I have been a loyal Honda client for more many years and never missed a payment. I recently took a new leas for a company to which my name was used as the guarantor. Recently, I was informed that you reported my name as being 30 days on the payment that was due within XXXX, meaning you did not record a payment until after XXXX. I reviewed my records and this information is incorrect as I have a copy of the payment that was mailed to you on Wednesday XX/XX/2021. It is not my fault that Honda failed to process this payment timely, and this reporting is an error on your end. Please correct this issue as soon as possible. 

At the same time, I wish to inform you that for many years I have had my account on auto pay and never ever missed any payment. When this new vehicle was leased, there was some issue with setting up auto pay in the beginning, this is why we used a physical check sent by mail. The auto pay setting has since been resolved. 
-- -- - Finally, please be advised that to the best of my recollection, I never ever authorized you to report to any credit agency this company account, neither verbally, nor in writing. I wonder how and why Honda has been reporting this account without my consent. If you have a copy of any document that I consented to the reporting of this company car to my the credit reports, I request that you furnish me with a copy of such a document. 
-- -- In any event, as stated above, the 30 day late reporting is an error on your end, and I respectfully request that you please correct this incorrect record and remove this incorrect listing immediately. 
-- -- Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX & TransUnion is unwilling to accept of investigate this claims online or thru mail.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
XX/XX/XXXX - XXXX removed late payment charge of {$25.00}, when it was discovered that payment had not gone through on XX/XX/XXXX due to a system error. He neglected to remove the interest charge at the same time. However, he took payment at that time, with the late payment charge removed. 
XX/XX/XXXX - Spoke with Capital One representative " XXXX '' who applied a credit of {$37.00} for the interest XXXX did not remove. I asked her the amount I needed to pay to avoid any interest charges and she verified that due to the error made by Capital One I could pay the current balance and deduct the interest charge when payment was made on XX/XX/XXXX. 
XX/XX/XXXX - Interest charge of XXXX showed up. XXXX " XXXX '' checked and said that an error had been made and that grace period should have been reset when {$37.00} was waived. She waived the {$32.00} and said she had reset the grace period so there should be no further charges. I made a full payment minus the waived amount on XX/XX/XXXX. 
XX/XX/XXXX - New bill showed that on XXXX the {$32.00} had been credited back, but that {$37.00} had been added again. Spoke with XXXX " XXXX '' who said that shouldn't have happened and she would research it. She waived the {$37.00}, but said I could not deduct that until the next billing cycle, even though my current payment is not due until XX/XX/XXXX. 

My issue is that if the company makes an error, which is what happened, I should not be penalized by having to pay that charge until the next billing cycle payment due on XX/XX/XXXX. XXXX insisted that nothing could be done and that if I did not pay that incorrect interest charge, I would incur another interest charge for not paying the balance showing for the current cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: MS

Complaint narrative:
I have disputed a fee charge on my account on more then one occasion it is a fee charge of {$2100.00} which has nothing to do with my mortgage loan. I was told it was a fee that was charged because of something they requested on their error but since they ordered it that I had to pay for it, I don't think this is fair to me, or to any other consumer. I am not sure if this is a practice of this company, but I have just come out of a financial hardship which I had to modify this mortgage. In I do not have the resources of this company or the government assistance they have, I am sure I have paid them enough interest to cover their mistake, but they don't seem to have any concern.

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 2021-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened a checking and a savings account on XX/XX/2021 with XXXX XXXX online depositing {XXXX0} in each account. About a week later I received a XXXX XXXX credit card which I did not apply for. I did activate the card but recalled the incident with XXXX XXXX who did the same thing. 
I used the card and make all my payments on time paying more than the minimum every time. On XX/XX/2021, I make a payment of about {$XXXX about XXXX  days letter I received an email stating that my payment was not excepted and my card was being cancelled. When I finally spoke to a rep he said the company felt I was doing something unsaviory so my account was closed. I also ask him why his company would send me a card I did not apply for and take it away and my payment wasn't a day late it actually was XXXX days early. He got defensive and ask was I saying someone stole my identity and I assured him that wasn't the case and that I have every intention to clear my account. 
I know now that this process is illegal due to Federal Case XXXX Also I went to XXXX XXXX and on XXXX XXXX I went to a time share meeting with XXXX resorts. It was normal, high pressure sales presentation which my fiance and I were already antisipating. We knew they would put a hard inquiry on my credit so I signed up alone. Then a week ago I received a denial letter for a XXXX credit card that I NEVER APPLIED FOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
So, I just set up an app called Zelle to sell one of my XXXX purses on XXXX XXXX. A person named XXXX, however, I found a different name called XXXX XXXX after she fraudulently took money out of my bank account and it was unauthorized. I accidentally hit the send button instead of request for the money and now MY OWN money went to this scammer. My bank account, XXXX  bank, refuses to refund me the money or reverse the transaction and Zelle filed a dispute and flagged this person as a scammer, but they also refuse to give me my money back. Moral of the story, I want my money back, and I wont stop until I do. I dont get paid enough with a bachelors degree as it is and minimum wage is higher than what I am making. No one is giving me my money back, which is RIGHTFULLY AND EARNED FOR ME, MYSELF, AND I!!! If you guys want to pay all of my bills, please be my guest because I give up with this country, the prices of everything, not being able to live my life because all I do is work to make ends meet as it is, and Im sick of this state matter of fact. I did NOTTTT authorize this person to receive MYYY money. I was supposed to receive it from THE OTHER person. This is 510 % fraud and it was completely 110 % unauthorized. I will be glad to get my lawyer involved if no refund is issued to me for {$150.00}. I am negative in my account anyways and if I have to go even more negative in my account to PAY MY BILLS LIKE AN ADULT or since Im not getting refunded right now, Ill just treat myself finally to new clothes I cant afford because Im too busy paying all these bills for you guys, instead of paying bills as always because I dont get paid enough to care! Anyways, I promise I have no problem calling my lawyer right now. I am so tired of getting messed over by the government and speaking of government, where are my 3 stimulus checks I never got because my DOB does not match the IRS database system?! I want my entire {$150.00} back or I will be talking to my lawyer about XXXX Bank and Zelle the app tonight. Again, IT WAS AN ACCIDENT!!! THAT IS MY MONEY THAT I DID NOT AND NEVERRRRR AUTHORIZED THIS PERSON TO GET AND I WANT IT BACK, ALL OF IT, LIKE NOW. END OF STORY!!! Again, Im tired of this country messing with me, and due to that, I have been planning to move to XXXX. This is absolutely absurd, immature, and obnoxious. REVERSE THE TRANSACTION INSTEAD OF LETTING A SCAMMER TAKE MY MONEY. THANK YOU GOVERNMENT!!!! PLEASE BE A LITTLE CONSIDERATE ( maybe Im asking for too much but Ill get my {$150.00} back even if nothing is done, somehow and someway dont worry, I promise. THANKS!!!!!!!!

Company response to consumer: Closed with explanation