vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Hi. 
My name is XXXX XXXX. My jointly owned property in XXXX XXXX, Maryland, for which I have Court ordered possession, is scheduled for auction sale on XX/XX/XXXX because my ex-husband, XXXX XXXX, has defaulted on the first mortgage. He also has defaulted on the second mortgage, a HELOC that was with XXXX  XXXX XXXX and was released by them to Specialized Loan Servicing ( SLS ) to collect the debt. 

In XXXX of XXXX, my ex-husband provided third party authorization for me to work with Specialized Loan Servicing on his HELOC. XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX have foreclosed on the property. 

A judge permitted me to attempt to refinance the home and I now have an approval letter to do just that IF the two mortgages can be settled for the amount of my refinance loan - two loans combined into one loan. The HELOC was released by XXXX XXXX XXXXXXXX to SLS in XXXX and my ex-husband, XXXX XXXX, would pay but now he is three months behind. 

SLS keeps asking for a Mortgage Assistance Application to be filled out by my ex-husband, the loan holder for them to consider my settlement offer that I emailed to their XXXX email address on XX/XX/XXXX. XXXX refuses to fill the application out. Time is running out for me. Since the home is foreclosed on and set for an auction sale, SLS does not have the collateral of the home and is likely to not receive funds towards the almost {$65000.00} owed. 

I need a statement from SLS that they agree with my offer so that I can close on my refinance loan. I can never speak with a supervisor in spite of repeated requests for a call back. No one can state whether someone in XXXX has reviewed my settlement for consideration. No one calls me back. No one at SLS cares and everyone gives rote answers. SLS states that I must send a copy of a bank statement showing the funds in a bank account for the amount of the settlement as well. That simply is not possible since they will be paid by the refinance company who will not refinance unless they have statements from the mortgage company that they accept my settlement offer and will release the lien at close of the refinance loan upon receiving payment. 

There absolutely should be an accommodation for these situations of a contentious divorce with non-compliance and lack of cooperation of the loan holder on a jointly owned property.

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 2022-05-02 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: NJ

Complaint narrative:
In accordance with Fair Credit Reporting act the below listed have violated my rights : 15 U.S. Code 1681 section 602a. States I have the right to privacy. 15 U.S. Code 1681 section 604a : It also states a consumer reporting agency can not furnish a account without my written instructions. Name to be deleted : XXXX XXXX XXXX, XXXX XXXX Address to be deleted : XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX  XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ; XXXX XXXX XXXX XXXXXXXX FL XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX Hard inquiries not recognized and needing removal : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, GA 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 2022-05-02 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: Westlake Services, LLC
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

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 2022-05-02 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: OH

Complaint narrative:
I just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
For the last month I have been getting calls from American Express for another person. I have explained to representatives daily for the last 3 business days ( XXXX, XXXX, and XXXX ) and again today, XXXX that I am not the person they are looking for. One rep attempted to imply I am somehow associated with XXXX XXXX, however this is not the case. The number they are calling has been my registered number for over 15 years. 
I am beyond frustrated and annoyed now as I'm wasting time at work talking to representatives to be assured I will be removed however that has not happened. 

I do not have a card or account with American Express AT ALL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Date XX/XX/22 Amounts - XXXXXXXX XXXX XXXX XXXXXXXX debt cancelation agreement I was not informed about the XXXX apr Finance charge excessive XXXX My car trade in value should of been higher as well as deducted properly from my bill of sell. 
XXXX my car trade in value. 
They used a new method of deceit by vaguely going over my contract and having me signed electronic which gives me no indication that my signatures were for yes or no on optional items like the XXXX XXXX  and debt cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I and my place of employment were directly affected by Covid during XXXX, XXXX, & XXXX of 2020. Due to this the payroll department wasn't able to process our checks and I fell behind. After calling all companies involved and explained my situation I made agreements to get caught up. Which I lived up to Most of my credit cards have XXXX straight months with on time payments until Covid.

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 2022-05-02 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Acura Financial Services ( Acura hereafter ) placed calls to consumer in a debt collection role with the intent to harrass, abuse and annoy in violation of 15 USC 1692d. These calls also include language of an obscene nature ( screaming at consumer ) and calls from individuals who refuse to meaningfully disclosure their identity. Acura placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - a total of 4 calls. These calls contain threatening language including yelling/screaming at consumer, in addition to false statements- specifically that Acura owns the property known as XXXX Acura XXXX. Each call itself, is a violation of 15 USC 1692d at large, consituting 4 federal law violations. The content of each call includes further violations of the law, specifically : 15 USC 1692d ( 1 ), ( 2 ), ( 3 ), ( 5 ) and ( 6 ). The consumer has attached 2 audio recordings from XX/XX/XXXX which verify threatening call which includes false statements and proof of refusal of caller to meanigfully disclose identity. ( other evidence can not be submitted due to sensitive personal information )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TX

Complaint narrative:
The following credit inquiries on my TRANSUNION credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/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 2022-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX ; Date Opened : XX/XX/2020 ; Balance Due {$350.00}.

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 non-monetary relief
Consumer complaint received 2022-05-02 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: CITIBANK, N.A.
State: NV

Complaint narrative:
On Friday, XXXX, XXXX, I went to XXXX and purchased 2 gift cards for my grandchildren for {$25.00} each. I inserted my CitiMC doublecash card into the machine. I had a XXXX promotional offer of {$10.00} off my bill and when I saw the {$10.00} come up I thought that was what it was for. I was wearing a mask and my vision is not wonderful on the small screen and I thought I was using the {$10.00} XXXX credit. When I went home and checked the CitiMC online account, I saw that they took XXXX off my rewards ( the equivalent of {$12.00} ) and gave me a {$10.00} credit off the XXXX  bill. 
I called up the company Monday, XX/XX/XXXX when they were open to ask them to reverse the points back and take off the {$10.00} credit ( XXXX XXXX XXXX ). I spoke to XXXX. She said she couldn't change anything. I asked for a supervisor and spoke to " XXXX ''. He said the new plan from CitiMC was a 'benefit ' ( not to me as a customer... it benefits Citibank XXXX. He said the best he could do would be to give me a one time XXXX point refund. I said I wanted the full amount reversed and to be charge the {$10.00} for the credit from XXXX. He wouldn't and said he'd send me to a supervisor. After XXXX minutes, the phone was hung up and CitiMC DoubleCash was done with me. 
I feel that this bank is taking advantage of people. If you use the points for a credit on your statement, you get the full amount. If you use it in a store, they charge you and waste my time looking at a screen instead of just buying something. 
I would like the charge of {$10.00} reversed and the XXXX points put back on my rewards ( the {$12.00} equivalent that they charged me ). I don't think CitiBank should be even allowed to do this with XXXX and XXXX as they want now. Consumers are hurt. The bank makes money. It's more red tape for the consumer. We need help with rewards that make money for us, not for other businesses. 
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 2022-05-02 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: Consumer Portfolio Services, Inc.
State: IN

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for a purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/XXXX, I paid the balance of my Chase credit card in full. On XX/XX/XXXX, I discovered that Chase had charged me {$5.00} in interest on part of the balance that I paid in full back in XXXX. I was unaware of this, which resulted in my account being reported to the credit bureaus as late. My credit report was adversely impacted because of this. 

I have never been assessed a residual interest rate on any of my credit cards after I pay them in full. This has never been an issue for me. I have never been late on a payment. But because of this {$5.00} interest charge, my credit report has been damaged. Chase did not make significant efforts to contact me about this problem. I received no letters in the mail requesting payment. I received no text message notifications. I have been a Chase customer for years, and this is the first time I've experienced a problem like this. I requested that they remove the late payment notification from my credit report and they said this would not be possible. Chase 's practice of charging customers interest on balances paid in full is questionable at the very least and dishonest at most.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: MN

Complaint narrative:
XXXX XXXX placed my account in collections with CCS and it was added to my credit report XX/XX/XXXX. This account should not have gone to collections because XXXX XXXX lost it in their system in XXXX of XXXX because, in their words, it was " floating '' between addresses. I made multiple good faith attempts to pay but I was locked out of their online payment platform and no one in their call centers was able to help me get the account paid. I never received any mail correspondence from CCS prior to them putting it on my credit because the address they had on file contained a typo - not a fault of mine. After this account was placed in collections, I spoke with a manager at XXXX XXXX and she told me that the account should have never gone to collections and the only way to get it deleted entirely from my credit was to pay the funds directly to the collection agency. I did that right away. In the time since paying the collection agency, I have been told by XXXX that CCS needs to reach out to them so they can get it deleted. CCS has told me that XXXX needs to reach out directly to them to get it deleted. 

I filed a complaint with the XXXX XXXX XXXX  because, as evidenced by the XXXX website, the CCS Companies have resolved almost XXXX complaints this year alone and the standard turn time on those resolutions appear to be between XXXX XXXX. My complaint was submitted on XX/XX/XXXX XXXX XXXX XXXX XXXX  ), the XXXX confirmed that the CCS Companies received it the day it was submitted, and I still have not heard back from the business. The XXXX has requested their response now three times and there has been no resolution. 

The CCS Companies and XXXX 's refusal to communicate with each other to resolve this error on their end is a consumer rights issue. I am under contract to buy a home and if that falls through or necessitates a loan program change as a result of negligence by the CCS Companies, I will seek any monetary recourse that is available to me for the loss of housing and funds paid in the homebuying process. XXXX 's refusal to delete my account from my credit report is directly contrary to their mission to abide by the Fair Credit Reporting Act. While the account should not have gone to collections and I received no correspondence from XXXX, I paid the balance in full because I was told it would be fully deleted from my credit and I expect that result to take place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I purchased an airline ticket with XXXX XXXX and the last minute the flight was canceled by by XXXX XXXX. I was promised a full refund by XXXX XXXX and after waiting for over XXXX XXXX I contacted my credit card company XXXX to see what is my best options. And the XXXX Representative told me its best to file a dispute, which I did. I had no outstanding payment due. I received a credit alert telling me my credit score decreased. When I look at my credit report it started : We noticed a change to the remarks listed on your Equifax credit report regarding your XXXX XXXX XXXX My score decreased XXXX XXXX because I contacted XXXX about the purchase I made for a service I never received and I wasnt reimbursed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
My name is XXXX XXXX XXXX I am filing a complaint against AWA Collections. I disputed the below medical account from my credit report, and it then updated showing " Account Information Disputed and that it meets the requirements of the Fair Debt Collection Practices Act. '' Which is absurd, and a violation of my consumer rights. Pursuant to 45 CFR 164.504 Use of Disclosure of Health Information which states that no such entity may disclose protected health information except as permitted or required pursuant to an authorization and agreement, which was not given. Pursuant to 15 U.S.C 6801 ( b ) ( 3 ) Protected against unauthorized Access or use. And pursuant to 15 U.S.C 6802 ( b ) ( A ) ( B ) ( C ) the right to opt-out. 

XXXX XXXX XXXX XXXX  I am demanding this account be deleted from my consumer report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: EQUIFAX, INC.
State: TN

Complaint narrative:
There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Balance Due {$350.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02 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: TN

Complaint narrative:
There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; Balance Due {$350.00}.

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 non-monetary relief
Consumer complaint received 2022-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
My PayPal account was hacked. My wife 's paypal account was also hacked on XXXX. There are unauthorized transactions from PayPal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-02 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: NCB Management Services Inc.
State: CA

Complaint narrative:
1. This is the company involved- XXXX and XXXX XXXX ( XXXX Credit Report ), for {$2000.00} open balance debt opened on XX/XX/XXXX, and I am not aware of this. They put the report under collections. Please delete. 

2. NCB MANAGEMENT SERVICE ( XXXX ) - this is also reported as a collection on XX/XX/XXXX, with zero open balance. Please delete the report. 

3. In accordance with the fair credit reporting act, these companies mentioned above have violated my rights. 

4. 15 USC 1681 Section 602 states I have the right to privacy 5. 15 USC 1681 Section 604 A Section 2 states, a consumer reporting agency can not furnish an account without my written instructions 6. 15 USC 1666B - a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation