vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-14 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XXXX XXXX XXXX  I went to the XXXXXXXX XXXX in XXXX, New Jersey to get gasoline. Self-service is not permitted in New Jersey ; the attendant must pump the gasoline. I handed my Comenity AAA Travel Advantage credit card to the attendant, who pumped {$27.00} worth of gasoline. After the attendant pumped the gasoline, he gave me a receipt. I neglected to notice, however, that he did not return my credit card. As this is a credit card that I use almost exclusively for gasoline, I did not notice that the credit card was missing until XX/XX/XXXX, when I next needed fuel. That day, I logged into my Comenity account and saw that on XX/XX/XXXX, an additional charge of {$24.00} had been made at that same XXXXXXXX XXXX. That {$24.00} charge was unauthorized. Additionally, on XX/XX/XXXX, three more unauthorized charges of {$46.00}, {$20.00}, and {$38.00} had been made at that same XXXXXXXX XXXX for a total of {$120.00} in unauthorized charges. I then filed a police report with the XXXX Police Department on XX/XX/XXXX, and also filed a fraud report with Comenity, where I identified the XXXX fraudulent charges. On XX/XX/XXXX, XXXX Police informed me that it had arrested the attendant ( XXXX XXXX ) ( XXXX XXXX XXXX ) for theft of credit cards and theft by deception. XXXX XXXX is due in court in XX/XX/XXXX. I informed Comenity 's fraud department of these developments. 

Although Comenity originally removed the four fraudulent charges, it re-inserted them on XX/XX/XXXX, as I discovered on XX/XX/XXXX. On XX/XX/XXXX, I spoke at length to Comenity 's fraud department, who told me that although it would investigate further, such investigation would take at least 2-3 weeks, and the fraudulent charges would remain on my account in the meantime. On XX/XX/XXXX, I received a letter ( dated XX/XX/XXXX ) stating that it could not identify any evidence to support a fraud claim -- which surprised me, considering that I had previously given them the police report number, as well as the name of the person who had been arrested. 

I want the {$120.00} to be taken off of my account immediately. In view of the many conversations I have had with Comenity ( with no success yet ), I feel compelled to file this report. It appears that Comenity did no investigation before denying my fraud claim without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Around XX/XX/2023, my loan transferred to Shellpoint. I was on a forbearance plan prior with my previous lender servicer. New lending company acquired information during our phone call exchange around early XX/XX/2023 in terms of forbearance. Representative said that I didn't follow up with questions afterwards a week after to our first phone call and ding me that I was no on the forbearance plan and has impacted my credit and my co-borrower 's credit. I was told if this can be immidtaley repaired and fixed and was told no, i asked to speak to a manager immediately and was told management approved the fix however I am seeing my credit has dropped tremendously. Forbearance shouldn't impact my or my co-borrower 's credit based on the XXXX XXXX guidelines.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 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: MOHELA
State: AZ

Complaint narrative:
I did not receive a billing statement for the month of XXXX, though Mohela did withdraw my loan payment on XX/XX/. In early XXXX, I read that Mohela was required to provide me with my billing statement 21 days prior to my due date, and that there were millions of other impacted borrowers. The Department of Education has directed Mohela to place all affected borrowers into administrative forbearance until the problem is fixed, and my account was not placed into administrative forbearance. I called Mohela on XX/XX/23, and after 40 minutes of being on hold, I spoke to a representative named XXXX at XXXX ( XXXX XXXX ). XXXX informed me that Mohela " was all caught up '' and wouldn't be placing anyone into an administrative forbearance for a bill being " a few days late ''. I told her that I didn't receive a bill in my Mohela portal, and she informed me that the bill had been mailed. I said that I had elected all communication to be done electronically, and that everything these past few months had been provided via the Mohela portal, including my auto debit updates and my IDR confirmations. I asked her to place a copy of my XXXX bill into my portal, and she said that she couldn't because it had been mailed to me. I said that I did not receive anything in the mail, and that I wanted a copy of my XXXX billing statement put into my portal, and she refused. I also informed her that my XXXX bill had just barely been posted that same day, XXXX, telling me that my amount was due on XXXX, and that it didn't meet the 21 day requirement, to which she said, " We aren't going to [ place you on administrative forbearance ] because your bill was a few days late. '' I told her that the Department of Education has directed Mohela to put affected borrowers into Administrative Forbearance. As I did not get an XXXX bill, and my XXXX bill was given to me only 4 days prior to my due date, I am an affected borrower and should be put into Administrative Forbearance. XXXX responded with, " No, we aren't going to do that. I haven't been told to do that. '' I let XXXX know that I would be submitting a complaint to the Department of Education, which was submitted on XX/XX/23. As can be seen in the included documentation, my XXXX billing statement has a fraudulent billing date of XX/XX/23. The billing statement was provided to me on XX/XX/23, NOT on XX/XX/23. My XXXX billing statement has a fraudulent billing date of XX/XX/23, but it was not provided to me until XX/XX/23.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 7. Under 15 U.S. Code 1692e.False or misleading representations- ( 8 ) you failed to notate this account was in dispute within 30 days now this account in violation XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately 13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX XXXX XXXX XXXX XXXX  under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than 10000 Delete this immediately

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have 8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. XXXX any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

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 2023-12-14 00:00:00
Product: Credit reporting 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: VA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. 
Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX XXXX XXXX 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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately 10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX under 18 U.S.C. 1001 any false writing or document knowing the same to contain any false fictitious or fraudulent statement or entry shall be fined not more than XXXX Delete this immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
remove inquire not authorized XXXX XXXX XX/XX/2023

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 2023-12-14 00:00:00
Product: Credit reporting 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: NC

Complaint narrative:
Child support both cases should not be on my report they are legal/civil litigation and ongoing and should not be on my credit report

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 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these list of inquiries removed from my credit report. 
Here are the inquiries listed below. I have also attached a FTC report as requested. 
Credit Inquiries : XXXX 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 2023-12-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
- We paid for our Citi Bank Best Buy card over the telephone using the business account. XXXX - Best Buy said that they never received the payment. XXXX - We sent them a copy of our bank statement proving that the money was taken out of our business account by Best Buy for exactly the {$210.00} for the XXXX XXXX XXXX XXXX  XXXX. 
- Their response was that we must have gone to some store somewhere and purchased exactly that amount of merchandise from Best Buy because they lost our payment. 
- I called again and got a supervisor who admitted that we did not make any purchases from any of their stores during XXXX. And yet, this is still not enough for them. 
- During this time penalties and interest started adding up. 
- They started hitting my credit score which was over XXXX. 
- To combat this, I cancelled the XXXX XXXX, losing all of my warrantees, but I received a prorated credit for the rest of the year. 
- I paid the amount still due in order to save my credit score. 
- Best Buy is demanding that our bank, the XXXX XXXX XXXX, produce an audit trail for exactly where they sent the funds. The XXXX says that there is no such thing, but I am working my way through a process with the bank.

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 2023-12-14 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
In XXXX was told when I talked to a representative this reverse mortgage was a program set up by the government for XXXX XXXX. For me, was advised it would act just like a savings account, if I needed money for an emergency, I could draw money from the amount my house was appraised at. At time of my death or moving out of house, my family would have the option to pay back the amount I withdrew or if was a large amount, turn the house over to them. All this was done over the phone and each and every time I talked with them, was the same, it would be an escrow account, or savings account. Being a widow, I thought this would be good for me as I didn't have much savings. In reading now online about reverse mortgages, says before a mortgage could be given, a counselor was to speak to the person and everything explained in detail. I never had that, and in fact each person that I talked to was more and more convincing how great it was, and their parents had it and was so satisfied and they knew I would be too. Never once did anyone say you are knowingly taking out a loan in the amount of the appraisal of your home, in which you will be responsible paying back plus interest even if you don't withdraw any funds. After receiving a few statements, I kept seeing all these charges and interest so called them to get information what it was all about. And each time was of that doesn't apply to you as you have an escrow account. And each time it was a different reason, even that I would be earning interest enough that could pay my property taxes each year. But no explanation how that worked. 
Was just a month ago when finally a man at the office rudely asked if I hadn't read the papers I had signed and I told him each paragraph was told, that didn't involve me as I was only doing an escrow account. I am just sick as now I have to tell my son he will have to pay this so called loan to keep the house. 
This is definitely a fraudulaunt business, and I was definitely misinformed from day one. I need to find a way out of this, I don't know what to do, I need help. 
The company is : Carrington Mortgage Services, XXXX XXXX XXXX, XXXX, Mi XXXX. Phone XXXX. The original company was XXXX XXXX, Reverse Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, Ok XXXX I was definitely sold a scam, and how many other seniors are having the same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I just recently became aware that a company called LVNV funding is reporting a collection account on my credit report as of XX/XX/2023, They are saying it is LVNV FUNDING LLC Last reported XX/XX/2023 {$2800.00} Open balance XXXX XXXX XXXX. 

This is the result of past ID THEFT. I do not owe this debt, nor was I ever even contacted about this via mail or any other means!! I have reached out to dispute this debt but did not get a good vibe that my claim of ID THEFT was taken seriously. I have in the past had quite a bit of fraudulent accounts opened using my personal info. My info keeps getting leaked on the Dark Web per my credit monitoring services. Alerts. i am attaching supporting documents in regards to this FRAUD ACCOUNT! I am a XXXX XXXX  who honorably served and am now still fighting only a different battle this time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: IL

Complaint narrative:
I have been fighting foreclosure since XXXX in efforts to save my home. I purchased the home in XXXX from XXXX, they closed and the loan was transferred and is now being serviced by XXXX. 

Initially the home was puchased with someone, but the relationship ended less than a year later causing the initial hardship due to loss of income in the home. In XXXX we completed a quick claim deed removing his interest in the property. During that time the loan was modified but circumsatances, job loss prevented me from being able to complete it. I am now gainfully employed and could easily afford the mortgage but the arrearage has prevented any positive resolution. 

Because of how long this has been going on, my loan is in default of about {$100000.00} as of XX/XX/XXXX. There was a program in place called the IL Housing Assistance Fund ( IHAF ) that was offering up to {$60000.00} which I was approved for as long as I could bring the past due down to $ XXXX or less. I found an investor, XXXX XXXX who obtained power of attorney in an attempt to negotiate with XXXX  on my behalf. He offered an additional $ XXXX bringing total funds available to $ XXXX to go toward the past due and they would not consider it. 

I was told that they would not give another modification because over the loan I had maxed out but I learned that there is no maximum amount allowed and they still have over XXXX XXXX dollars provided from the federal government that they are required to use and that they are choosing not to work with consumers. 

I did not want to lose my home and have exhausted my resources in efforts to resolve this. Since all has been unsuccessful, I am now attempting to resolve this via a short sale agreement that was submitted earlier this month and so far XXXX has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief