vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
I was placed on a forbearance relief program as a direct result of COVID-19 by Select Portfolio Servicing ( " SPS '' ) on XX/XX/XXXX. SPS is the mortgage servicer for the lender XXXX XXXX TRUST, MORTGAGE-BACKED NOTES. Upon exiting this forbearance agreement, I was placed into foreclosure on XX/XX/XXXX. SPS delayed my modification application by 5 months routinely rejecting the paperwork I initially submitted on XX/XX/XXXX, and not acknowledging receipt of all required forms received. My appeal for a modification has also been denied for the reason that the servicing agreement between the lender and SPS does not permit home retention options to be provided for my non-federal loan even though they promote home retention options on their website for those affected by COVID. The portion of that servicing agreement is not being disclosed citing it is a proprietary legal agreement. I have been impacted by XXXX where I experienced one of the early cases of the XXXX resulting in being hospitalized and absent from work for a total of 10 months between XXXX affecting my income which caused me to become delinquent. Even though I have been impacted by XXXX, my lender is unwilling to work out a repayment plan through the Connecticut XXXX XXXX so a law date could be set for the transfer of property shortly. SPS is aware I can afford to pay the monthly mortgage payment now that my health has improved and is still uncooperative with offering any home retention solutions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Dear CFPB Team, In XXXX of XXXX, I noticed that XXXX XXXX XXXX XXXX reported a debt of {$4500.00} on my credit report. Based on details gathered through XXXX, XXXX XXXX, and XXXX, this debt collection agency indeed begin to report this debt in late XXXX yet claims the account is open with their office since XXXX. 

I called XXXX numerous times and when I financial received a call back from one of their agents there was no cooperation to help me understand where this debt was coming from and why I did not hear from them before. Weeks after my first and only interaction with this company, I received an " Account Validation '' letter dated XX/XX/XXXX. 

I have since made several attempts to communicate with this agency and resolve this matter, the latest attempt on XX/XX/XXXX. This agency has gone silent. Their customer service number : XXXX leads directly to a voicemail. There is no email or other method of communication available. 

I find it extremely unfair for a collection agency to suddenly report a debt to the credit bureaus without properly notifying the consumer. Moreover, to report in XXXX a debt claimed to be held since XXXX without calling, sending a letter, or other notification in a good faith effort to settle the matter before impacting the consumer 's credit history. 

I have patiently waited and I have managed this situation as best as I could. From the beginning, I aimed to understand whether I owe this debt, and how this account could have possibly fallen through the cracks. 

However, XXXX denied me of my consumer rights of being timely notified of any debt and of the opportunity to settle any verified debt prior to affecting my credit report. This issue has gone over 5 months unresolved, due to XXXX 's negligence as a collection company. Similarly, this matter caused financial injury and defamation of character.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/2022 i was charged {$640.00} for XXXX XXXX XXXX XXXX. The charge was not authorized by me nor did i have knowledge of this charge and is therefore fraud. I called the company and was told the card was not present for the transaction and was made by a man. Im a woman and i was in the hospital at the time with covid. The establishment where the charge occured is also over an hour from my home. I filed a complaint on XX/XX/2022 and it was denied. I've filed another complaint on XX/XX/XXXX, XXXX im waiting to hear back. I want my money back since this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.

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 2022-04-16 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:
On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus XXXX, EQUIFAX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: FL

Complaint narrative:
On XX/XX/XXXX. 2021, and XX/XX/2021 I filed a Federal trade Commission Identity thief report along with a XXXX XXXX XXXX Police Report for Identity thief. 

I then disputed several account on my credit report with the following bureaus EXPERIAN, XXXX, AND XXXX... In accordance with the fair credit reporting act. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have violated my rights... 

In accordance with the fair credit reporting act section 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C. 1681 SECTION 604 2 : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 166B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN CONSUMER CREDIT PLAN LATE FOR ANY REASON

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 2022-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
Company has wrong dates and payment amounts for lease payments, company changed monthly payments Without consent, company has wrong information for address refuses to change or update information. Illegal reporting and contacting of me and others regarding lease

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Self Financial Inc.
State: CA

Complaint narrative:
I have tried 2x to transfer money from my XXXX  XXXX to my Credit Card. Each time I have to pay interest and fees. The 1st time they said it went towards interest and fees even though on the portal it had the dollars in savings needed to transfer. So I did a second payment to put me over that threshold so I can transfer to my credit card and verified with supervisors and reps I was told it takes 5 business days. Now it's been two weeks. The company does not tell the interest fees etc up front when we make a paymenynsonwe are paying blindly and we are never shown what these " fees and interest fees '' are. I requested via email that they fix this so consumers know what they are paying up front and assure their payment is enough to transfer fees to their credit card. In the emails I attached the supervisorsl initially said I had. enough I'm my account then sent another email contradicting that saying it wasn't, even thought every rep and supervisor said it was.He said he added XXXX to my credit card for inconvenience to Increase my credit limit, that didn't happen instead it says negative XXXX and the same credit limit that needs to be fixed. this company needs to stop charging expedited fees because the process is far from expedited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I contacted them a few times and they requested I send over 30 pages of documents and would not process funds as original requested. When I left XXXX now XXXX XXXX I filled out a roll over form for all my retirement accounts. They send half to my managed 401k and then for some reason sent the other half to Citibank and converted it to a Roth. I have asked them to undo this and fix it but they refuse. Then they have asked me for 30 pages of documentation and refuse to provide me access. This should be a one page roll over form and proof of identification but I feel like this is a scam to manipulate and then deny me access to my money.

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 2022-04-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: FL

Complaint narrative:
Received an unauthorized debit card in my name and mailed to my current address from Chime. Contacted chime to immediately close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After previously filing a complaint against Macy 's for failing to acknowledge that payment in full had been made on my account, they finally admitted that I paid them. 

But they now claim that they received payment XX/XX/2022, which is the day after payment would have been due and so they are reporting my payment as late. 

Yet they cashed the check in XXXX. 

How can they cash my check before the due date and then report the payment as late?

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 2022-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I just ( XX/XX/22 ) received a letter from my employer about wage garnishment that will start on XX/XX/22. That I had no idea about any type of legal action against me.. And the amount that are wanting to garnish will ultimately cause me to not be able to pay my mortgage and the needs of my children..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
With all credit bureau I have been sending letters to them to have an accurate things removed off of my credit report and I haven't got any information back. Been doing this since XX/XX/2021.

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/15, I purchased an XXXX  reservation on my US Bank XXXX XXXX card, which I intended to use my Real-Time Rewards to cover. I had a sufficient amount of XXXX Points in my account, but I did not receive a text message. I spoke to a customer service agent who agreed the points should have been applied and sent an appeal. 

I called back and spoke to the supervisor XXXX, employee # XXXX, who informed me that the redemption was declined because the minimum amount for redeeming lodging is {$500.00}. The supervisor was unable to identify where this minimum requirement is specified online, as it does not appear in the credit card 's Terms and Conditions online. 

Eventually, I found the terms on the rewards page under " Program Rules ''. However, this page is only accessible when logged into a U.S. Bank account. When this page is accessed from a new browser, it displays " Access Denied. '' This requirement is not published anywhere when applying for the card. If I had known this requirement before applying for the XXXX XXXX, I would never have applied for the card. I am now stuck with a {$400.00} annual fee and a hard pull on my credit reports while US Bank lied about the utility of the XXXX system publicly. U.S. Bank is tricking consumers about the value of their credit card and gaining an unfair advantage in the competitive credit card market at consumers ' expense. This is not only wholly unacceptable, it is illegal under the Lanham Act, 15 U.S.C. 1125 ( a ).

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 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I have received TD Bank 's offer as a Convenient check. The offer was One time 3 percent transaction fee amount of the check and free of finance charge till XX/XX/XXXX, after I took advantage of the offer I realized when I got my first statement that I got charged transaction fee And Finance charge.. 

I immediately got in touch with them and explained the situation..They told me that I was a couple of days late to deposit the check. This could very well be my mistake as I did not see the fine print on the check stating " NOT VALID AFTER '' XX/XX/XXXX... 

I kindly asked them to stop charging me finance charges... I got no help..I explained to supervisor ... I got no help... I have written certificate letters explaining the situation. Told them they VALIDATED the check that was not VALID... I got no reply..I got panicked and I stopped sending them the payments ( I thought If I sent them the payments I would accept both mistake 's responsibilities..? ) ..Throughout these times I have received Late payments and Payments demands and letter requests if there is dispute... Again I did write them explaining and trying to resolve this ... I got no sufficient response explaining why I pay Finance charge and transaction fee... 

What they are doing is not right ... There is a mistake done by me ( depositing the check 4 days late which was no longer " Valid '' ..There is a mistake done by them, which they " Validated '' the " Not Valid '' check without letting me know the consequences

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Acct # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 non-monetary relief
Consumer complaint received 2022-04-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Acct # XXXX XXXX XXXX  XXXX, Acct # XXXX XXXX, Acct # XXXX XXXX XXXX XXXX XXXX Acct # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Never was my addresses XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, Ma XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources
State: CA

Complaint narrative:
I received a letter that said that I owe {$29.00} dollars to general insurance. I paid the full amount of my debt. I get car insurance trough a brooker ( XXXX XXXX ) they are the one that switch my car insurance, the same day I switch insurance trough freeway, my debt was paid and set up another account. I always paid XXXX XXXX XXXX, and was not able to pay to general insurance directly and was not able to do any changes to my account directly. XXXX XXXX was responsable for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have a credit card with Citi Bank, we paid $ XXXX by mistake on XX/XX/2022, When we realized on XX/XX/XXXX, I called customer service to refund that amount to my Checking account with Same CITI Bank or refund to the origin, from where the payment was done. They said there will be hold till XX/XX/XXXX then we will release the payment. I made complaint with CFPB XXXX on XX/XX/2022. They just linger ont the refund. Despite of several calling they are holding the money, which is not back yet as on XX/XX/202XXXX 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 2022-04-16 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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