vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have my Best Buy Store Credit Card Serviced by Citibank. I have had this card for more than 3 years and I have always had my automatic payments set up so I never miss a payment. This payment method has helped me keep an excellent record with all my credit cards and as of today I have a 100 % on-time payment history with all credit reporting bureaus. I have never missed a payment or paid late. On XX/XX/2022 I received an email from Best Buy/ Citibank telling me that I missed a payment and that I had a payment due. When I called the company they told me that my automatic payment was cancelled, something that I NEVER DID. They told me that there was anything they could do. As per as Supervisor my Automatic Payment was cancelled online, something that I never did, neither would I try to do so. No one other than me has access to my account online. I have no record that my automatic payment was cancelled, I never received and email or a phone call to let me know that my automatic payment was cancelled. This is an outrageous and irresponsible way to treat a customer. Now I have to pay the consequences of a malpractice that I was not responsible for. My credit history is impeccable. This action by y the company will damage my credit reputation when I do not deserve it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC, my HELOC lender has fraud me of undue interest caused by thier mismanagement of principle payments to my HELOC. 

I Made very clear, specific principle payments on XX/XX/XXXX and XX/XX/XXXX for XXXX and XXXX during tax year XXXX. In had multiple conversations with PNC to ensure the payments posted correctly and even a follow up call to ensure the autopayments continued on shedule. The auto withdraw payment posted on XXXX XX/XX/XXXX on shedule. I made another principle payment on XX/XX/XXXX for XXXX when I found out they had stopped making the auto withdrawal payments after XXXX XX/XX/XXXX. 

The account information says clearly '' principle payment '' versus the normal automatic monthly withdrawal " payment '' of principle and interest. {$380.00} I Recieved the ending of year HELOC tax statement for XXXXand realized something was wrong. 

PNC mis applied the principle payments as payment advances and stopped drawing the auto payment. 

This cost me considerable interest from XX/XX/XXXX when they made the error. 

I requested reconciliation of the account and compensation of the interest paid. 

It was escalated to their service department and they notified me verbialy today, XXXX XX/XX/XXXX thier system can not correct the error and they refuse to do anything to correct the error. I need the load recalculated with the correction in the payments applied as they should have been to determine the credit in interest paid. They refuse and would not put in writing their decision or acknowledge their fault, even though the account statements are worded correct. The posted actions are not. One autopayment was made after the principle payment, then they stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Someone opened a paypal credit card in my name in XXXX ( i moved out of that address in XXXX ). I got a summons for a court date and i told the judge it was fraudulent charges. He told me to work with the other party. The rep was from XXXX XXXX XXXX. 
XXXX XXXX XXXX who represents XXXX XXXX, i have complained to both that I did not make the charges and they should research the original application for credit and who applied for it. 
Now they keep sending me a bill demanding more than 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 2022-04-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was targeted by Capital One for their Savor credit card. I applied for it, since it includes a {$200.00} welcome bonus for costumers with excellent credit score. Since I have an excellent credit score, I thought it is a nice benefit of the card. However, I didn't find any instruction when I received the credit card within the activation instructions. So I have reach out to Capital One via phone and later via email. I am happy to attach the email communication and the advertised benefits to this complaint. My problem is that the welcome bonus for some reason is not available to me, and I think this is a false advertisement. I thought a large credit company such as Capital One would stand by their words/advertisement. But no resolution offered from them, therefore I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: IL

Complaint narrative:
I have disputed with Equifax and XXXX about the alleged Bankruptcy on my credit file. I asked for verification and the reply was The circuit courts, and from XXXX XXXX. I have reached out to the circuit courts and obtained documentation stating that the courts do not share information to any credit bureau or third parties. XXXX XXXX investigated the information as well and deleted the alleged bankruptcy. Pursuant to section 609 of the Fair Credit Reporting Act ( 15 U.S.C. 1681g ) XXXX and Equifax is in violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I contact the credit bureau ( XXXX ) about these inquiries on my credit report being unauthorized and unverified. I was told they are required by law to not remove that information. Here are the list of inquiries I informed them about. 

Synchrony Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.

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 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Aspen Yo LLC
State: FL

Complaint narrative:
My loan was transferred from XXXX XXXX to Gregory Funding. I was on a forbearance program last year. 
This year, I started to pay my monthly payment every month on time ; however, I was told that they were processing all payments manually. This process is causing a late fee every month due to the volume of customers they have in their books. 
This XXXX, I've received a Forbearance Agreement Trial for three months. Payments are high. After the three months, I have only one option, Loan Modification.

I do not want to extend my Loan or keep the high monthly payments. 
I thought the government stated that customers would be able to put the amount owed at the back of the Loan.

I have been in communication/conversation with Gregory Funding almost every month, dates documented. 
Please help. Assistance will be appreciated. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX CCS COLLECTIONS : I have asked them on several occasions to please stop calling threatening and harassing me about the XXXX alleged accounts. They keep telling me that I owe them XXXX debts in the amount of {$97.00} and another amount of {$87.00} for XXXX separate accounts that I have no knowledge about. and it is really stressing me out at this point in my life & mentally affecting me at my job and making me XXXX i have not discussed or negotiated any type of contract with this company nor permission to use my signature whatsoever & I have never agreed to do any type of business with this company. 

Thanks!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In XXXX my car got total, I let ally know and it was growing through the insurance process. They couldnt deem it as total loss, but gave me an amount that I sent to ally with my gap coverage. However, gap did not cover the final amount but my car is fully totaled?

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 2022-04-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 finish 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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I have sent a correspondence to LVNV Funding certified mail return receipt requesting that the alleged debt is not mine. Following the paper trail, the certified letter was signed for on XXXX XXXX, 2022. 
I also noticed that they have no disclosed to the consumer reporting agency that an Account is in dispute or even deleting the account until a reasonable investigation has been performed. LVNV Funding is in clear violation for not disclosing account in dispute on a consumers file once a consumer identifies inaccurate/unverified information on their consumer reports. 
I have enclosed a copy of the certified mail return receipt where you can clearly see that it was signed XXXX ( XXXX ) weeks ago. They have not notified me nor notify the credit reporting agencies of this unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
During Covid I experienced financial troubles, due to loss of income. In XX/XX/XXXX, I reached out to my mortgage lender PHH Mortgage for help but, was unsuccessful. During that time a representative from XXXX XXXX XXXX XXXX in XXXX XXXX, contacted me claiming they could help me with a Flex Hardship Loan Modification Plan that would get me a reduced 2 % rate and lower monthly payments on my home that I live in and on a rental that had been empty for 12 months, due to the pandemic! They asked me to sign a contract for the agreed five month trial payments beginning XXXX XXXX made the agreed 5 months payments totaling XXXX and they told me that at the end of the payment agreement, my loan modification would be approved by then! instead I am now in a foreclosure status! Im a XXXX XXXX XXXX XXXX  lady with an XXXX XXXX XXXX  son, who I care for and so now this company, XXXX XXXX XXXX XXXX, who claimed to help get me into a more affordable loan modification plan, have gotten me in a much worst situation! At the time that I began with this company, XXXX XXXX XXXX XXXX, I didnt see any scam alerts on XXXX XXXX it wasnt until after I made my last payment in XXXX, XXXX that I began to suspect something wasnt right! so I called my bank and they told me they had not received any documents! I called XXXX XXXX XXXX XXXX and spoke to a XXXX, who said she was handling my file, at which time I asked her where my money of XXXX had gone to? She said part of the money was for them and rest went to the investors that owned my loan, to process the loan modification for approval! All throughout the process there were different girls calling me, I kept asking her who was the main person in charge? I could never get a straight answer? Just to name a few of the names associated with this scam was XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & a few others! I soon realized that I had been scammed! I asked for my money back! But instead they continued to call me to ask for more money! And claim to be working on my file! These people are so dishonest! I cant believe that they are out there hurting people and scamming people for money and all during a Covid-19 Pandemic, when people are desperate to survive and trying to recover from all of the losses! And on top of all this Im also dealing with Identity Theft!!

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 2022-04-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: GA

Complaint narrative:
Re CFPB Complaint XXXX & XXXX XXXX XXXX XX/XX/2022 The company responded stating that my partial claim documents were returned and not accepted because they expired. Irregardless to the fact that the documents were received by their company three weeks before they were processed. In the letter dated XX/XX/2022, the company advised that new partial claim documents were being drawn up and that i would receive them before the end of the month. Today is XX/XX/2022 and I have not received the new documents. On XX/XX/2022 I did receive a letter stating that I had not completed my loss mitigation package and that it must be received 37 days prior to foreclosure. I do not understand why I received this type of notice and not the partial claim documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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:
In accordance with the Fair Credit Reporting Act and XXXX XXXX XXXX XXXX  : XXXX has violated my rights, 15 USC 1681 section 602 A states I have the rights for privacy, 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-01 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:
In acordance with the fair Credit Reporting Act XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account Number XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions.

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 2022-04-01 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01 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: GA

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not finish 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 2022-04-01 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: GA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation