vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a past due notice on my property taxes by XXXX XXXX XXXX. These taxes have not been paid by Freedom Mortgage since we purchased the property in XXXX. I called Freedom Mortgage and they advised me to submit an email to their Customer Service center and they would research the issue and have it paid within ( XXXX ) business days. Since then I received an email from them stating that they would have to research the issue and would have me a answer by XX/XX/XXXX. To date XX/XX/XXXX they keep telling me that they are trying to get in contact with the XXXX XXXX XXXX office but the County said they have heard nothing from Freedom Mortgage. I have emailed them the phone number, statements and follow up on a weekly basis and was told they will have to research the problem again. My property goes on a `` County for sell List '' on XX/XX/XXXX if this is not paid in full. I make all of my payments to Freedom Mortgage on time and have never been delinquent on a payment. There is an escrow account set up for this property through Freedom Mortgage and they have failed to make the appropriate payments for taxes.

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 2023-03-01 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: NC

Complaint narrative:
XXXX ) Opened XXXX 's store credit card with Comenity in order to receive discount. Total purchase and total charge {$20.00}. 
XXXX ) Paid {$20.00} in full XX/XX/XXXX and it posted XX/XX/XXXX. 
XXXX ) XX/XX/XXXX Received confusing statement showing charge {$20.00}, payment {$20.00} and yet still had a balance {$20.00}. 
XXXX ) XX/XX/XXXX called about confusing statement received. Call reference # XXXX. Customer service person confirmed I had already paid in full on XX/XX/XXXX or XX/XX/XXXX and had a XXXX balance and no further payments were owed. 
XXXX ) Made no further purchases on account. 
XXXX ) XX/XX/XXXX Received another confusing statement showing a previous balance of {$20.00}. {$22.00} in fees charged and a {$42.00} balance. 
XXXX ) XX/XX/XXXX called customer service - call reference # XXXX. 
XXXX ) Customer service representative apologized for the " inconvenience '' of the errors on the account and for not being able to correct anything except for a {$2.00} minimum interest charge. 
XXXX ) XX/XX/XXXX customer service representative informed me that during the earlier call # XXXX, on XX/XX/XXXX, there was action taken by the Comenity rep : the rep credited a {$20.00} late fee ( this was not disclosed to me at the time ). 
XXXX ) XX/XX/XXXX call with rep also informed me the earlier XX/XX/XXXX call rep was aware of an additional late fee of {$20.00} and interest charged on my account that was posted XX/XX/XXXX, before I called to confirm on time payment had already taken place and I owed XXXX. The first Comenity rep did not mention this nor inform me. And simply told me I already paid on time, owed XXXX and owed nothing more, it was corrected. 
XXXX ) Rep explained she could not credit / correct the account to XXXX  because of their " XXXX credit per every 18 months rule ). She escalated the issue XXXX  with no resolve. The " team '' would not correct the issue. 
XXXX ) I explained I would be reporting the fraud/theft. 
XXXX ) I was forced to donate {$19.00} from my checking account on XXXX to attempt to stop this bank from stealing more money from me. 
XXXX ) Rep said my over-the-phone payment of {$19.00} would post within a XXXX hour window. She could not confirm if I would be charged any additional fees/interest within that XXXX hour window ( she may have said I would not be charge, but at this point I don't believe anything they say ). 
XXXX ) I am unaware if my credit score has been affected negatively or not from this encounter of fake and fraudulent fees and interest charges. 

Happy to provide additional information as needed. Expecting to get my money back. Realize I will NOT get my time/stress restored. 

Please take all necessary measures to ensure this does not happen to others. According to social media, this happens all the time to others now. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
Reference : XXXX ( www.easternaccounts.com ) Greetings, good morning. 

I come to you for help since the XXXX XXXX people will not let me live in the peace that I need as a XXXX senior citizen. 

On XX/XX/XXXX of last year I moved to this community looking for the peace that I did not have in XXXX XXXX. 

I called XXXX to get cable and internet. Before doing so, I asked some neighbors what Wifi signal worked well in this property XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

They recommended XXXX. I called and they immediately opened my account # XXXX. The next day I had the mandatory installation equipment delivered to my apartment door by XXXX. 

From the same day I called I had a fast signal on my cell phone ( XXXX XXXX XXXX ). 

It wasn't a week later when I called them complaining that my cell phone signal was too poor. 
Then, they told me that they would transfer me to XXXX. Then, I told them that I had not done business with XXXX, that it was with them. They told me that the signal in this community was poor. The next day I had XXXX equipment at my apartment door. 

And there began the second part of my agony with these intransigent and insensitive people. They started charging me for the first month of the poor service I had for a couple of days. I have evidence in my possession ( Available at your request ) that shows that since XXXX of last year it has been a tireless struggle with these people. 

In every collection call for not delivering their XXXX equipment I explain to them that I live alone, I am an old man who can hardly walk and I have no means of transportation either. In each of these calls either made by me or by them, they can't understand how they themselves have transferred me to the competition. 

The thing is that to end the long story for the moment in the last call I was told that the next day XXXX people would come to pick up the equipment. It's been over a month now and the last thing I received a few days ago is a collection letter from Eastern Account System of Connecticut , Inc . 
In this letter they are threatening me that I have until XX/XX/2023 to pay the bill. I have been taking care of my credit for decades and maintain an empirical of about XXXX. 

ISN'T IT STRANGE THAT XXXX XXXX OPENED AN ACCOUNT FOR ME WITHOUT ME APPLYING FOR IT WITH THEIR COMPETITOR? 

I hope you can help me continue to keep my credit spotless and can do a thorough investigation into this strange occurrence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XXXX i received an alert from XXXX. That i applied for XXXX separate credit cards. 
XXXXCb Indigo, address is XXXX XXXX XXXX XXXX, XXXX Phone is XXXX And 2.Feb/ Destiny, address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Phone is XXXX I called the number and found out that this call center manages both card company and I was able to file a dispute and was able cancel both cards that was approved today. I requested them to investigate and take my information of credit bureaus inquiries. They said I have to file a complaint CFPB so they can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX - XXXX XXXX - Policy # : XXXX in effect XX/XX/XXXX - Notice of Service Transfer to PNC Bank XX/XX/XXXX - XXXX XXXX sent non-renewal notice as they have withdrawn from State of XXXX. Extended coverage period offered through XX/XX/XXXX for {$790.00} XX/XX/XXXX - PNC Bank pays {$2300.00} homeowners insurance disbursement from escrow for annual policy. This policy does not exist. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1000.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - PNC Bank pays {$790.00} homeowners insurance disbursement from escrow for extended coverage. 

XX/XX/XXXX - PNC Bank sent Escrow Disclosure Statement with new payment {$1200.00} [ from XXXX ] effective XX/XX/XXXX XX/XX/XXXX - Contacted PNC Bank explaining that XXXX XXXX has been overpaid {$2300.00} from escrow. Was told it was my responsibility to obtain reimbursement from XXXX. 

XX/XX/XXXX - Contacted XXXX and spoke with XXXX. He acknowledged the {$2300.00} overpayment, and explained it would take XXXX - XXXX weeks to process refund. 

XX/XX/XXXX - Contacted XXXX XXXX agency, who obtained the policy and spoke with XXXX. She reached out to XXXX to escalate refund request, and was also told XXXX - XXXX weeks. 

XX/XX/XXXX - Received call from PNC Bank. I explained about overpayment made by PNC Bank to XXXX for {$2300.00}. Informed they would research and give me callback. 

XX/XX/XXXX - Contacted XXXX about status of refund. Informed it has not yet been processed. 

XX/XX/XXXX - Contacted PNC Bank and spoke with XXXX. Explained once again about overpayment made by PNC Bank to XXXX for {$2300.00}. Stated I would only be remitting payment of {$1000.00}. 

Was informed that partial payments would not be applied to the account, and that to avoid late payment must remit {$1200.00} by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XX/XX/22 we made a reservation for a XXXX XXXX XXXX in XXXX XXXX, Florida for that same night. When we arrived at the XXXX XXXX XXXX to check in, they wanted to swipe our XXXX XXXX XXXX for an additional {$300.00} security deposit ( no mention of this on their website ) and said we may or may not get {$300.00} back. They said {$300.00} would cover any damage to room including stains on carper, marks on walls, etc., which is crazy because every hotel you ever stay at has all this stuff already and you don't do a walk thru inspection when you check into a hotel room. We refused to swipe our XXXX XXXX  for additional {$300.00} and they refused to give us keys for room and we were forced to leave. When I asked for the clerks name and his managers name, he refused to provide any of this information. I went out to my car and immediately called my XXXX XXXX  issuer, Commenity Bank, about what had occurred and to get them to dispute and remove the {$99.00} charge from XXXX XXXX XXXX and was told to call back when charge had posted through, which I did on XX/XX/22. I was told by Commenity Bank that they had up to 60 days to resolve the dispute. We ended up staying at another hotel in another city that same night, using our XXXX XXXX  for payment to show that we couldn't have stayed in 2 different hotels in 2 different cities on the same night. At the end of 60 days, Commenity Bank still refused to remove the {$99.00} charge and the merchant wouldn't even return our messages about it. We shouldn't have to pay {$99.00} for a hotel night we were refused access to use by the hotel itself under very shady circumstances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 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: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance withe Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigation but how is that possible if the open dates are inaccurate, the date last active is inaccurate, and date last reported is not accurate, balance owed inaccurate, account ratings are inaccurate, last payment date inaccurate, account statuses are inaccurate. This ground for removal they also violated my rights under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 : Its states a consumer reporting agency can not furnish an account without my written instructions Also, the credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking number : Tracking number : XXXX Tracking number : XXXX Tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
Apple MasterCard advertises 3 % daily cash back on select merchants such as XXXX but in reality, only gives 1 %. On XX/XX/XXXX transaction of {$99.00} received a 1 % cash back of {$0.00} rather than 3 % ( {$2.00} ). 

Apple XXXX cash back term stated on their website : " XXXX : 3 % Daily Cash is available for purchases using Apple Card with Apple Pay in XXXX U.S. stores, and bill payments and AutoPay on XXXX and in the XXXX app. Authorized XXXX dealers are not eligible for 3 % Daily Cash which can be found on XXXX XXXX account payments, and purchases made through any XXXX checkout, including those at XXXX U.S. stores, are not eligible for 3 % Daily Cash. '' But then on the actual transaction only gives 1 % back. I made a formal complaint on XX/XX/XXXX for the XXXX monthly bill payment made on XXXX using the credit card. on XX/XX/XXXX apple determined no error occurred. I called the apple card specialist and they said that you only get 3 % when using apple pay but the term stated above says in bill payments on XXXX. This is the false advertisement that influenced me to get the credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Filed 1st complaint ( XXXX ) on XX/XX/2023. 
Company FAILED TO COMPLY WITH FEDERAL LAW 15 USC 1666 AND FAILED TO provide me a written Notice acknowledging they received my Billing Error Notice.

They also FAILED TO COMPLY AND send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.

THESE R VIOLATIONS AND THEY ARE LIABLE TO ME DAMAGES ACCORDING TO LAW.

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 2023-03-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-01 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: NC

Complaint narrative:
I have always paid my CapitalOne XXXX bill on time and in full. For some reason my payment due XXXX XXXX set up via electronic transfer was posted a day late by Capital One. I called Customer Service, spoke to XXXX XX/XX/23 and was told the late fee & interest would be removed from my account. I asked if future interest would accrue & was told that if it did I should simply call & it would be removed. Got my bill due XX/XX/XXXX and, after having paid my XXXX bill in full, received a {$13.00} interest charge. I again called Customer Service to explain that I was told to call if any interest appeared -- and was told the agent couldn't do anything about it. I asked for a Supervisor and was transferred to XXXX. He told me he could remove the charges, but I had to pay the amount of the bill plus the interest charge. I told him that was not what I was told and that I shouldn't have to pay the interest charges. Further, I explained that if they were going to use predatory practices, I would simply cancel the account. He hung up on me. I then called Customer Service again, explained what had transpired, and told them I was going to pay for all my purchases now & wanted my account closed. They refused to do that unless I agreed to their terms which would require me to pay interest until I paid my bill plus accrued interest. I tried to pay my bill on line and it would not let me pay the full amount of my total purchases to date. Thus they continue to lie & steal. They should value the customers who pay in full & not use deception to increase their bottom line. Again, I would like to pay the {$850.00} I actually owe for purchases & cancel my account. I do not need XXXX 's credit card. There are too many legitimate credit card options out there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Opened XX/XX/XXXX Reported XX/XX/XXXX Amount {$18000.00} XXXX XXXX XXXX Filed police report stating I was a victim of identity theft, also contacted the leasing office multiple time advising them that I was not residing in their neighborhood. And that someone falsely used my identity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} XXXXXXXX XXXX {$490.00}

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 2023-03-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
This company has reported to credit bureaus that I have agreed to pay the the collection in one month which is false and has hurt my debt to income ratio and score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have been trying to fix errors on my credit reports, and the companies have not been helpful. I have inquires that date back XXXX, XXXX XXXX that I have no knowledge of! I have requested help and even reached out to the creditors no help or any updates. 

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 There are also collections on my account the can not validate any information the credit companies XXXX XXXX and XXXX has not helped me with these matters XXXX XXXX XXXX {$2700.00} XXXX XXXX {$760.00} XXXX XXXX XXXX {$550.00} LVNV FUNDING {$490.00}

Company response to consumer: Closed with explanation