vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Back in XX/XX/2022 I received a bill which I called in to make payment ( At the point of call it was officially late ). I paid the bill over the phone in full and moved on. In XXXX I received a bill again stating I was late. I found that odd since I had paid in full over the phone. So I reached out to XXXX  on XX/XX/XXXX and spoke with XXXX a supervisor at XXXX I requested for me to completely pay off account, remove a late fee and close out the account. I specifically asked if there will be any additional fees the supervisor advised there would not be. I remember specifically asked numerous times and yet I again received a bill for {$4.00} I want this fee to be removed to close out my account officially and stop marking my credit report as late

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NVR INC.
State: NC

Complaint narrative:
I had secured a mortagage with my company of choice XXXX XXXX XXXX XXXX. As the time has come for closing XXXX XXXX want me to use their lender NVR mortgage company saying that i did not inform them in time If I used their mortgage they are going to charge me extra for going over the closing date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to see if I can apply for a loan on wellsfargo website, then ran a credit check without me applying for a 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 explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit is reporting that I owe money to them. 
I have filed disputes with XXXX asking that their claim be validated. 
They can not verify that I owe a debt with them but continue to send me letters next day air threatening to sue me if I dont pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
My second mortgage loan is currently being serviced by Select Portfolio Servicing ( SPS ). The account is currently delinquent due to hardships relating to the Covid 19 pandemic. SPS is refusing to offer loss mitigation assistance or process a loan modification. They will not take in a standard loss mitigation package and process it accordingly. SPS is stating they will only offer cash for keys in order to avoid foreclosure proceedings. I am XXXX military veteran that has been offered loan modification assistance through my first mortgage with XXXX XXXX. SPS has stated that they will not offer the same loan modification assistance as XXXX XXXX, due to internal rules. SPS will not contact the VA regarding the Covid-19 refund modification, where the VA will pay back the alleged delinquency of {$11000.00}. SPS has also sent all delinquency and foreclosure information to XXXX XXXX XXXX, XXXX, OH XXXX, which is the wrong address. Therefore, I have not been notified per Virginia law 55.1-337. 
SPS is in violation of many CFPB laws relating to loss mitigation and loan modifications, primarily CFPB 1024.41. The rules listed below clarify the obligations of SPS ( see below ). 
1024.41 Loss mitigation procedures.

CFPB Rule 41 ( b ) ( 3 ) 1. Foreclosure sale not scheduled. If no foreclosure sale has been scheduled as of the date that a complete loss mitigation application is received, the application is considered to have been received more than 90 days before any foreclosure sale. 
2. Foreclosure sale re-scheduled. The protections under 1024.41 that have been determined to apply to a borrower pursuant to 1024.41 ( b ) ( 3 ) remain in effect thereafter, even if a foreclosure sale is later scheduled or rescheduled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NM

Complaint narrative:
Billing Statement XXXX 2022 {$680.00} My Payments Money Order XXXX 2022 {$350.00} XXXX {$350.00} Total {$700.00} Total I Faxed these Money Orders to XXXX All faxes received Success. # 3 Payment {$350.00} XXXX, 2022 Instead I get Additional Billing Statement Total : {$1100.00} for XX/XX/2022 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 explanation
Consumer complaint received 2022-08-30 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: Synovus Bank
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Hello, Basically I have two credit cards I got while in XXXX XXXX in order to pay for a living, and I recently just graduated from college and both credit cards are maxed out and no matter how many payments I make the principal never goes down. Now, I assume Capital One and XXXX borrowed the {$4500.00} ish from the federal reserve at about 2 % interest, well I pay well over 20 % interest every month. I honestly have no clue what goods or services I even bought using my credit cards, but most of the money I spend goes right back into Capital One and XXXX. If my interest rate was capped at 10 % I think I would be able to pay them off. 

I also signed up for these cards before I was legally allowed to buy alcohol. So the government knows a XXXX year old is too irresponsible to not XXXX and XXXX. However, an XXXX year old is responsible enough to sign up for a credit card with 20+ % interest in order to " build credit. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
I was contacted my a XXXX agent in the beginning of XX/XX/2022 stating that my personal information had been stolen and used to open countless credit cards. with charges racked up on XXXX ( was contacted by them too ). I have a Federal Trade Commission agent and number that was giving to me. I wasnt sure if it was authenthic or fraudulent also. I was then contacted again mid XXXX 2022 about more credit cards being found in my name at the border of XXXX and Texas.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have requested a Cease and Desist from this company this company is still communicating with me through third party mediums. Communication defined is : a system ( as of telephones or computers ) for transmitting or exchanging information. 
This company must cease exchanging any of my information to the credit agencies as I am requesting a cease and desist of all communication. As defined!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 ortina can not furnish a account without my written instruction

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 ortina can not furnish a account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have two credit cards with debt collector Midland Credit management. The first one is a XXXX XXXX card with a debt of {$6600.00}. The second is also a XXXX  XXXX card with a debt of {$3600.00}. I recently have become able to pay these debts off, so I contacted Midland credit management by phone on XX/XX/2022. I was put in touch with a Senor manager, named XXXX XXXX who I negotiated with a relative 's help down since we were paying them off in full. For the first debt, we negotiated down to {$4200.00} and the second down to {$2500.00}. I was sent an email to accept electronic communication which worked fine and then was supposed to receive an offer letter via email with the verbally agreed upon negotiated amount. Once we would receive those, we were going to make payment. The emails never came even after repeatedly checking my spam folder and refreshing my email. XXXX said he sent them, but we never received them. We called him back later that day to let him know this and to have him resend the emails. Once again, they never arrived, and when we called the second time, the phone line was so bad, we couldn't communicate. We were transferred to another manager whose line was also very difficult to hear. 
We began reading reviews about this debt collector and saw the awful record they have with customers either being defrauded or paying off debt and never having it properly credited. I was horrified by this, and although I am committed to resolving this debt, I am afraid that if I pay them, it won't be properly resolved and will remain on my record. The correspondence with them has made me uneasy. 
The bottom line is that I would like to have someone help me communicate with them so that I can properly pay this off and be free of this debt so that I may get my credit score back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: MD

Complaint narrative:
I've sent several CERTIFIED letters to the 3 credit reporting agencies XXXX, EQUIFAX, AND XXXX TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORTS, I HAVE CERTIFIED RECIEPTS DATED AS FAR BACK AS XXXX FOR INACCURATE INFORMATION TO BE REMOVED FROM MY CREDIT REPORT SUCH DIFFERENT OF LAST ACTIVITY, DIFFERENT OF DATES REPORTED, ACCOUNTS SHOWING PAST DUE THAT ARE IN COLLECTIONS, STATE LIMITATIONS RAN OUT ON MANAGEMENT REPORT THEY WERE ALSO SENT A CERTIFIED LETTER AS WELL AS XXXX XXXX ALSO REPORTING DIFFERENT DATES OF ACTIVITY AS WELL AS SEVERAL PHONE CALLS HAVE BEEN MADE PLEASE HELP THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
i opened bank account with M & T bank on XXXX of 2022, nad the when i signed up the bank told me they going to add my credit card to my online bank portal so i can control my account payments online, and since then i was able to take care of the payments online however when i signed in to my on-line portal on end of XXXX to do a payment i couldn't see my credit card on the online portal, and when M & T send the paper statement to my house it was already late for payment, i went to the local bank on XXXX XXXX XXXX, XXXX, NY i spoke to XXXX about the issue, he agreed to me that they're having issues with the postal service that sometimes mail arrives late, i called the bank on XX/XX/XXXX to complain about the late payment appearing on my credit report which is an effect of the online technical issue of not showing my credit card she connect me to the online dep. and they agreed that they're not sure why it happened and since this a bank system issue its not my fault of paying it late, and they can not report late on the report, but he is not sure how to fix this error 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 explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX  XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX  XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX  XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX  never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX  XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX  stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX  XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.

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 2022-08-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Lending Services LLC
State: DE

Complaint narrative:
I previously advised this company several time I dont wish to revive any contact, via calls and mail. I spoke with several representative and told them to place my account on Do Not Call. Ive still have been receiving calls and now to another number that was skipped traced by one of the representative. When I spoke to a supervisor today by the name of XXXX she tried to get my to verify information XXXX as vehicle and address I told her I dont wish to do so. I told her i received a call and my account is listed under do not call. She told me she can see that information apologized for call. She then proceeded to tell me Im getting calls because I owe I balance. Which is yet another violation because I dont verify my information with her. This is now the third complaint on this company about calls from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
They closed my account and refused to allow me to pick my money up from a local branch. They have held my money and did not provide a clear date on closing or any information for that matter.

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 2022-08-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I used my Bank of America mobile app to transfer {$1400.00} via XXXX to an individual thinking I was purchasing a puppy from her ( {$1200.00} for the puppy and {$230.00} for delivery ). It was a scam. Filed a claim with BOA ( XXXX ), but the representative said they forward the claim to XXXX which has 45 days to respond. He stated that 95 % of claims are denied and the individual does not receive their money back. He said I should have read the fine print where it states XXXX is only for transfers between friends and relatives. I told him that I thought that it was safe since BOA promotes it on their app.

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 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
In two different reports this one account is reporting to different account numbers one XXXX and two XXXX the number of month reviewed are different one is 49 months and the other is 66 months Overall the account is showing a balance of {$16000.00} reporting But the High balances and or high credit XXXX and the other report there is nothing reporting in that sections The payment history shows 4 % for one report and the other report it says that there is a 27 % payment history Also the payment history in 2018 is not even reporting for five months

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I requested the closure of my checking and savings account on XX/XX/XXXX. I noticed that both of my accounts have disappeared from my online account ( I still have a credit card with Citi ) and I am still being charged monthly fees on the saving. Yet, I have to pay XXXX dollars. 
I contact the customer service and the banker, however, they could not give a concrete answer about the resolution. The customer service told me to go to a branch, branch told me to go to customer service.

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