vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
I am beyond upset that the SPS and or/ the investor of my loan has completely blown off any assistance in modifying my loan. It's blatantly wrong and unethical for SPS and/or the investor not to try to help work through the unfortunate setback that caused me to fall behind on my mortgage. 

The law firm that is assisting me submitted a complete loss mitigation application for me on XX/XX/2023. On XX/XX/2023, 2 days later, a denial letter was sent out. The letter gave no explanation of why it was denied for a loan modification. It just stated that I was denied due to not meeting investor guidelines. When my law firm asked SPS for the specific investor guidelines, they said they don't have them and don't know what they are which is completely unacceptable. 

It is obvious that the investor and/or SPS had zero intention of reviewing me for options to be able to keep my home. 

I was told by my law firm that when someone is denied for a loan modification or other options, there are reasons that are outlined in the denial letter, which is not the case here. They said there are certain things like too many previous loan modifications, debt to income ratio is too high, etc. None of these are true for me. I have a very large surplus of income now and have zero issues with making my payments going forward. I just need help getting the loan current through a loan modification. There is no reason I should not be approved for this option. 

I need to know all of the guidelines that the investor is using that is preventing me from getting the help that I need to get the loan current. I can afford my mortgage with no issues even if the interest rate were to increase to fair market rate. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 non-monetary relief
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paxful Holdings, Inc.
State: MD

Complaint narrative:
I received apparently employment from Paxful Company via XXXX and when I was supposed to work as office assistant I end up working a vendor for bitcoin they ask for XXXX and XXXX XXXX  without telling what for I thought was for my payment but they use clients to pay then we transferred that money to them using those app, but i told them I didn't want to use my account and they did someone send me found today {$500.00} XXXX XXXX and I told them why I was receiving that thru my XXXX account she said sorry. Then she asked me to transferred the money to them in many different forms where it was keep failing because of account, so she gave many accounts from apparently XXXX and they fail too I spoke thru my bank stating that they did pass zelles account that why they fail. They keep calling to send the money or I be in trouble this is very weird, and I think they are scamming people. Please help me they have my information due to i was XXXX for a job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-11-03 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: GA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MT

Complaint narrative:
On XX/XX/2023 I mobile deposited my paycheck with USSA. They said the check would be in holding for over 10 days. I live paycheck to paycheck and can't afford to wait over a week to pay my bills. When I requested USSA have my money returned they said they can't do anything. This seems very illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
I reported my card missing/stolen in XXXX of this year. They allowed other charges to placed on the credit card even though already reported. I should have a credit of {$5.00}. However, they are still charging late payments and finance charges on items that should not be on my card. The last payment I made, I noticed after paying a charge of {$5.00} after paying the bill. I immediately contacted Citi 's Fraud Department and reported the non-purchase charges. I even called back after contacting the largest of these charges which was a subscription charge I did not ask for. They immediately canceled these charges and gave me a cancellation number. I called back and spoke with a XXXX and he stated that he notated the account of these two credits. XXXX also stated don't worry about the late fees and charges that they will be removed from my account. I contacted Citi today XX/XX/2023 at the Citi Fraud phone number and it states closed even though its the middle of their operating hours. I called customer service and they advised me to pay the bill and I would be credited for the {$100.00} plus charges. I don't really trust that they will do this even if I paid what I don't owe. At this point, I should have a {$5.00} credit and their trying to charge me {$110.00} for charges that I didn't make. Please help.

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 2023-11-02 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: LA

Complaint narrative:
I respectfully ask for an update to my credit report, specifically the removal of the current public record. Attached are the required documents to substantiate this request. I appreciate your assistance.

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 2023-11-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
None of these accounts belong to me. delete it from credit. 

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 I have never had late payments with any of these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries are not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: IL

Complaint narrative:
I received the card in the mail. I never opened an account, never used the card that was mailed to me, and destroyed the card that was mailed to me. I can't even access through their website, as I never set up an account. I never received any statement showing why they are charging me for something I did not ask for and did not use. I only noticed it when it showed up on my credit report. Now they just continue to report me delinquent, adding more costs onto the balance without any explanation. Experian simply reported my dispute as : " Remains - The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' So, if a company tells Experian their information is accurate, even when they are knowingly lying, there is no recourse? If they insist I owe them, why don't they send me a statement, showing where these charges were incurred? I have never used this account, and it needs to be closed and removed 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 explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi I am having difficulties with American express. I had 3 american express cards which recently went under financial review. I failed the review ( due to paying my bills from my husband 's bank account when my name wasn't on the account ) they closed all my cards. That is not the reason for my complaint as they have rights to do that. ( Although that's a lousy reason in my humble opinion ) When they closed my cards ( on XX/XX/23 ) I had some points on my XXXX XXXX XXXX card ( I don't know the exact number since amex won't give me access online to my rewards ) I am now unable to use those points and they are essentially voided. I had earned those points by purchasing using my card over the years. Knowing that my account was probably going to be canceled I attempted to use those points before my card was canceled. This is something that typically can be done but there were technical issues in my case and multiple amex representatives told me that it's impossible. ( There are 2 ways to use points a )- as a statement credit which I was unable to do since I hadn't used my card in the past few months so there was nothing to credit and b ) to use on XXXX by pressing " buy with points '' which I couldn't either do since my card at that point was under financial review and you can't use buy with points when the cars itself can't be charged. I'm trying to retrieve those points which seems impossible and is the first reason for my complain. 

A similar issue happened with my amex business platinum card. I spent approximately {$85000.00} on it which should give me around XXXX membership rewards points ( since XXXX membership rewards points per {$1.00} spent on that purchase ) I was unable to use those points since they were only to become available on XX/XX/23 and amex canceled my card on XX/XX/23. Typically a customer would have 90 days to transfer those points out after being canceled by amex but since my points never hit my account before cancelation, it may be lost. Now in this case they still are looking into it and have provided me with a case number, but its likely to be a problem. Either way I have spent hours on the phone with amex and have lost over {$1500.00} in points with seemingly no recourse. Any help from the financial bureau would be helpful. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
In XX/XX/XXXX, my ex-wife filed for a divorce. That has created many financial hardships. I have either made good or made payment arrangements with every debt that I owe, including two other credit card companies. On XX/XX/XXXX, my balance was {$11000.00} I was presented with a payment relief option to handle my past due American Express account. This option stopped late fees and dropped the interest to the point that after making XXXX payments of {$71.00} my balance would be paid in full. I set up auto payments set for every Wednesday in the amount of {$71.00} for the next XXXX weeks. I have the email from American Express with the payments scheduled out over the next XXXX weeks. Between XX/XX/XXXX and XX/XX/XXXX there were a total of six payments made. On XX/XX/XXXX I checked my statement and discovered that between XX/XX/XXXX, when I signed up for the payment relief and XX/XX/XXXX my six payments totaled {$420.00}, but during the same time period I had been charged two late fees for {$40.00} each and interest charges of {$560.00} totaling {$640.00} so on the six payments, instead of balance going down it actually went up by {$210.00}. I reached out to American Express on XX/XX/XXXX and XX/XX/XXXX because I figured there must have been a mistake. After talking to various people, it became obvious that American Express was not going to honor the terms of our agreement. They kept saying I had not signed up for a payment plan. I tried to explain I had an email titled " Payment plan confirmation notice '' and included language like : " Once your balance is paid in full, any remaining scheduled payments will be cancelled. Other than communication regarding your payment plan, no further attempts will be made to collect the remaining balance while you are making payments in accordance with the terms listed above. '' I explained multiple times I wanted to make good on my debts but I wanted them to honor our agreement and they continued to tell me that we had no agreement. At that time I canceled making any future payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me 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 2023-11-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am writing to file a complaint to CAPITAL ONE regarding the reported unauthorized inquiry on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX XXXX, and my address is XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX.I have identified likely mendacious and certainly unproven complaint reported account on my credit file that are inaccurate and erroneous l. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular item that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-02 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: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-11-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On my credit report I unfroze it for XXXX hours in XX/XX/XXXX. My identity was stolen in the XXXX XXXX breach and ever since then fraudulent charges using my identity show up on my credit report. I SHOULD have perfect credit but others have had access and its destroyed. 
addresses not mine are showing up on my credit report. 
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 {$480.00} not mine. 
Also I noticed that there was something out of XXXX XXXX  that I didnt do. 
My identity is stolen and even with it frozen still getting hacked into. Please help.

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