vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
When I call the phone # on the back of my XXXX XXXX XXXX card they try to offer XXXX gift and want my XXXX credit card #. They will not let me close the account without giving them another credit card #. I have tried calling XXXX XXXX directly and they push me back to the original phone # on the back of the card.

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 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: NY

Complaint narrative:
I have been going back and forth with Fay Servicing since XX/XX/2020. 
My experience has been overwhelmingly exhausting and frustrating. The level of incompetence, lack of customer support and straight lies is unimaginable. I have owned my home for 25 years, lots of blood, sweat and tears, I have no fallback and i have complied with everything they have asked me to do, but I still find myself back in the same position. Since XX/XX/2020, my mortgage balance has increased over {$100000.00} and my current interest rate is 6.5 up from 4 %. NYS has recently approved a XXXX claim for myself and my XXXX yr old daughter who is also XXXX. They claim all their phone calls are recorded, if that is the case my complaint might be the easiest to resolve, just go to voice phone recordings. My contact person XXXX XXXX XXXX is a liar and a fraud, he has yet to return a phone call or reply to an email since day one. The anxiety and stress is more than I could of ever imagined, Im reaching out to you because I need help and Fay Servicing is never available. I could go on for a long time, but I would not have enough space

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The American Express e-gift card is unusable. I have tried the card several times at both online and in-person retailers, and the card has been declined each time. I have called customer service six times, and each time, I am told the card is fine and it is simply the retailer 's security practices. Simply put, the gift card can not be used at local restaurants or retailers such as ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and more. The amounts hav varied from {$85.00} to {$1200.00} USD. 

Customer service has tried to remove security holds and confirmed my available balance was sufficient to cover each of the above transactions. I asked customer service to try to reissue the gift card, but was told that since it is a e-gift card, they are unable to issue a new card. I then requested a refund and was provided a case number ( Case # XXXX Refund request ) and received an email from the support department stating they are unable to resolve my issue and must call customer service yet again. Round and round we go, with no resolution in sight. 

The gift card is worthless and a full refund of {$1500.00} is the only resolution at this point.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023 a fraudulent non-verified wire transaction of {>= $1,000,000} was allowed to be taken out of our business account. We were told that a recall was approved on XX/XX/2023 for our monies to be refunded into our business account. We asked for documents showing the fraudulent wire transaction that was allowed and, for a letter stating what happened for our records. To date, we have not received the recalled funds of {$190000.00} or any documents or paperwork stating the fraud that occurred to our business account. We are in a dire situation as we can not meet the upcoming payrolls et.al.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: WI

Complaint narrative:
Signed up for Nelnet 's auto-debit service in XXXX following the announcement that student loans were going back into repayment. My first auto debit date was XX/XX/2023, but Nelnet did not pull my payment or process it. As a result I am now " past due '' on a payment. 

Nelnet confirmed that my auto debit was active months ago and, upon checking yesterday, XX/XX/XXXX, their web portal notified me that I " already '' had a payment " scheduled '' for the XXXX. Now today, my next auto debit is in XXXX and I am past due for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act convergence XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy. 

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction. 

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2023-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
15 usc 1681 b ) DID I GIVE YOU PERMISSION TO FURNISH ITEMS ON MY CONSUMER REPORT!?!? NO 15 USC 1681e ( b ) & 1681i, Maximum Accuracy & Reinvestigations Do you not follow the law???? Under the law you cant contact me put this on my credit file

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Accounts on my credit report have been linked to identity theft without my proper authorization, including a signature. I've already discussed this matter with your organization, and I'm formally requesting the swift removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue isn't resolved appropriately, I'm ready to take legal action to protect my rights and seek a resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as buying a home and providing for my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
I leased a car from BMW for 3 years and never once had a late payment. At the end of my lease I sold my car back to BMW and they gave me a check. Apparently there was a closing cost that I was not aware of, and Im not sure why they wouldnt just subtract that cost from the check they handed me. A month after selling back to BMW i moved so I was not aware of any mail sent to me and they did not send emails. I have since paid the {$300.00} closing cost but bmw dropped my credit score a significant amount and told me that for the next 7 years they will have a late payment status on my credit report. My credit score was XXXX and is not XXXX because of this and I am unable to raise it again. I have no late payments and have never missed a payment so I feel that this is a misrepresentation of my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
NOTICE OF FAULT/OPPORTUNITY TO CURE Transworld Systems You have communicated with me a consumer in connection with the collection of a debt Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction in failed the requirements imposed pursuant to 15 usc 1692c ( a ) see exhibit ( A ), you are in violation of the FDCPA, pursuant to 15 XXXX.S. Code 1692k ( a ) ( 1 ) for actual damage emotional distress as a result of such failure and held liable to fines up to 1,000 Pursuant to 12 CFR 1006.38 D ( 1 ) The failure of a consumer to dispute the validity of a debt does not constitute a legal admission of liability by the consumer. 

Pursuant to 15 USC 1692g ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

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 2023-10-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Overland Bond & Investment Corporation
State: IL

Complaint narrative:
Well I tried to refinance for a lower payments but the interest is so high I haven't been paying on the principal and my rent is XXXX with electricity bills with misc. Things I pay for as such as food and clothing which is make it hard for me to make a living just asking for lower payments as well as paying to the principal instead of the high interest rates please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
Capstone credit & collections llc is still reporting on my credit report even though a paid-for-delete letter was submitted and granted. The letter I received in the mail from Capstone stated that they received my payment and the account will be deleted within 60 days of receiving the letter, however capstone is still reporting on my credit report as a collection. The letter has a date of XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed all items on my credit report on XX/XX/ including credit inquiries. As of this date it has been over 30 days and I have not received a response from Experian and XXXX. I asked that all accounts showing on my account be verified as correct and they have not responded as of this date.

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 2023-10-02 00:00:00
Product: Credit reporting 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 check my credit and i found out that someone has been using my personal information they even bough a car with 2 credit cards and the other account i have no knowledge of im am a victim of identity theft i did not authorize these accounts

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : XXXX XXXX : XXXX Experian RE : Fraudulent Inquires. You Violated the United States Code Law 15 U.S.C. 1681n. I demand you to comply 15 U.S.C 1681 section 602. A States I have a right to privacy 15 U.S.C 1681 section 604 A section 2. it also states a costumer reporting agency can not furnish a account without my written instructions According to 15 U.S.C 1681n any damage sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not have {$1000.00} On ( 4-20-23 ) I sent a dispute letter to you, disputing the account ( s ) listed below. It was received on ( 5-10-23 ) by your company. And the notice of dispute was not entered within the 30 day time frame, and because of this you have failed in your duty as the furnisher of this information, and you are in violation of section 623 ( a ) ( 2 ). 

INQUIRY REMOVE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX NEED ACCOUNTS REMOVED BELOW XXXX ACOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been trying to get ahold of Capital One for now 3 months regarding my cards. I'm locked out of my online account bc I changed my phone number. When I call I get bounced between MULTIPLE representatives and placed on hold where they can't seem to find my info. Today I finally had enough when I was sent to a company who I've already paid bc they didn't have the right info even after providing them with all of my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.
State: OH

Complaint narrative:
Virtuoso sourcing group is harassing me and constantly sending me a settlement proposals for a debt that does not belong to me. They are threatening to put this on my credit report and I had no knowledge this account even existed. This account was opened up at my address without my knowledge nor my consent. When I moved into this property this service was already on and I did not set up any security services at this address. I spoke with XXXX and they said they sold the debt to virtuoso sourcing group and could not do anything so I spoke to this company and let them know I was a victims of identity theft and they refused to close this account they refused to look into this matter any further so now here I am reporting this as identity and I refuse to pay this debt because it is not my debt nor my responsibility! Under the fair reporting credit act law 15 u.s.c 1681g and 15 u.s. 1681 ( a ) ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
My house was put into XXXX names on the original purchase in XXXXXXXX my name XXXX XXXX XXXX XXXX XXXX, mothers name XXXX XXXX XXXX, and my fathers name XXXX XXXX XXXXXXXX XXXX  with rights of survivorship on the deed of trust. I had to file for a loan modification in XXXX  because of my mother, who passed away XX/XX/XXXX, had become bed ridden and I was unable to work and care for her XXXX hrs a day. PHH Mortgage says I am not on the loan modifications but, for several years when mortgage payment statements were sent, they had both my name and my mothers name. It was very convenient for PHH Mortgage to somehow drop my name off the mortgage statements when they started foreclosure proceedings on my home. This caused me to file bankruptcy multiple times over the years. In between foreclosure proceedings and bankruptcies they would talk to me and discuss the loan however, all communications with me would stop every time they started foreclosure proceedings. I had to file bankruptcy again XX/XX/XXXX to stop a foreclosure once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 U.S.C. 1681 A states I have a right to privacy.

15 U.S.C. 1681 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.

I requested this account to be updated over 2 months ago and have been ignored by the reporting agency. Please help me.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a solar panel loan with XXXX XXXX XXXX XXXX i defaulted on when my house went into foreclosure for aprox {$37000.00}. At some point they either sold it or have a company called XXXX XXXX XXXX is also reporting it but at a {$40000.00} balance with XXXX listed as original lender. This is double reporting from understanding it should be one or the other only reporting. Makes it look like i owe double what i do. This is on my transunion credit report. its also prob on my XXXX XXXX XXXX too.

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 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian report XXXX  I made a dispute for the XXXX XXXX XXXX. 

Experian instead deleted XXXX account. I just called Experian and a rep told me that they made a mistake! 

The XXXX account was never under dispute. This is irresponsible for Experian to delete XXXX which is a positive and was due to fall in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
I applied for mortgage assistance with Specialized Loan Servicing ( SLS ) in XXXX, XXXX, and XX/XX/XXXX. I was instructed by SLS representative to apply for a short sale as that was my only assistance option available. I was instructed to apply each month until I obtained a purchase offer on my home to be evaluated and approved. I followed instructions as directed. I submitted an assistance application in XXXX, which was approved by SLS. I was told I would have the necessary time of 90 days to obtain a ratified purchase order. I was also instructed to continue to apply to make sure my status of short sale approval with SLS continued to be active. I did just that submitting two additional applications in XXXX and in XX/XX/XXXX. SLS states they received my application in XXXX ; however, they ignored the application and stated they did not receive the XX/XX/XXXX application. 
On XX/XX/XXXX, SLS wrongfully closed my short sale application and immediately placed a sale date on my file. I followed the instructions and directions of the SLS representative and now I am being penalized and being forced into a foreclosure sale. 
My understanding is that my file would continue to stay open for 90 days as I attempted to get a contract on my home. I sent a new application for a short sale on XXXX which was ignored and an additional application on XX/XX/XXXX to make sure the application stayed open. On XXXX I was able to ratify a purchase contract to have my home purchased. This information was sent to SLS with the required information needed to complete short sale approval and this was denied! 
SLS is wrongfully forcing me into a foreclosure sale, denying me the right to sell my home and avoid a foreclosure.

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