vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
Due to the COVID-19 pandemic, I and my spouse lost income and revenue to pay for our mortgage and other debt payments. I notified the current first mortgage lienholder and was working with a person named XXXX. He requested I write a Letter requesting assistance, which I did. Then another person named XXXX requested we resubmit the letter along with a Personal Financial Statement and copies of our tax returns. We complied. XXXX informed us that he would help us with a Loan Modification request, but once XXXX entered the picture, we were informed XXXX was no longer with the company. XXXX also led us to believe he would help and work on a Loan Modification, but instead he issued a Notice of Default. 

We feel he has violated and breached the covenant of negotiations in good faith. 

We are requesting assistance via a Loan Modification of our current loan.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I received a {$100.00} prepaid vanilla gift card as a birthday present. On trying to use the funds it was rejected multiple times. I called the help line and was advised to provide proof of purchase and some identifying information. I submitted all information that was asked. Over the last couple of months I have gone back and forth with Incomm about this and they have ( so far XXXX refused to honor or credit the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
XXXX I have made several attempts through experian to fix my credit rating due to incorrect reporting on my credit usage my credit card has a XXXX balance and experian reported I had utilized 96 % of my card. I have called and made several disputes because I want it updated ASAP.

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 2020-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2020, I used by Citibank mobile application to pay my credit card balance. My bank is Citibank and the credit card company is Citibank XXXX XXXX. 

Problem : The day I authorized {$8000.00} from my Citibank checking account to Citibank XXXX credit card, I had experienced a systems glitch. Specifically, when I pushed the submit button, the system crashed and I had to resubmit the request. However, unbeknownst to me, the system had duplicated my request and withdrawn double the amount of my intended payment. Hence, {$16000.00} was requested from my checking account. This caused an overdraft of my checking account and caused an insufficient balance penalty. 

Request for CFPB : I request that this department investigate the Citibank 's mobile application that allows duplicate payment without verification. In my case, the systems glitch in Citibank 's mobile platform allowed a duplicate payment to be made within a minute of each other. 

Additionally, Citibank XXXX Credit card company has made things difficult by not helping with the insufficient funds penalty. Rather, the supervisor for the credit card told me to contact my bank directly to ask for a fee waiver even though the problem arose with the systems issue with the credit 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 monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am not able to get equifax to lift my credit freeze. I've provided everything they asked for three times. Their web site does not work, nor does their phone, nor does their fax, nor does U.S. mail. I can not apply for a credit card because of the freeze they have on my information. They sent me the form letter twice asking asking me for information that I've already sent to them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
I am filing this complaint against the following company : CBE Group XXXX XXXX XXXX XXXX, IA XXXX P : ( XXXX ) XXXX I an continuously being harassed by CBE Group for a debt they claim that I owe. I have repeatedly asked them to stop and they continue to call me outside of FDCPA regulated hours. CBE Group knows that I am a resident of XXXX XXXX, California ( and have been for 3 years ) yet they constantly call me before XXXX. 

On XX/XX/XXXX, CBE Group called me at XXXX. I called back and asked them to stop and they ignored me. 

On XX/XX/XXXX, CBE Group called me XXXX. I called back and again asked them to stop harassing me and calling me outside of FDCPA regulated hours. The woman was very rude and said they will call when they want. She verified that I was a California resident, once again, and then proceeded to claim I owe a debt that I know nothing about. 

I am sick of being harassed by this company. They are completely disrupting my quality of life and my family 's quality of life by constantly calling me at wee hours of the morning. In addition, they claim I owe a debt to XXXX and I have never sold anything on XXXX. This company should be fined for illegal collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I applied for a refinanceon my conventional home loan over a month ago with the approximated date of XX/XX/2020. On XX/XX/XXXX I received an e-mail with documentation from Freedom Mortgage, that I signed in regard to a refinance. XXXX XXXX XXXX was the loan officer who sent me the documentation.On XX/XX/2020 I contacted Freedom Mortgage to find out the status of the refinance. I was told my refinancewas closed and I would be contacted in 24-72 hours. 72 hours has past and no one has contacted me.The loan XXXX XXXX XXXX XXXX did not call or e-mailme as to the reasonwhy the refinancewas closed. On XX/XX/XXXX I was told that the conventional loan officers are not taking calls. I have talkedto over 9 people at Freedom Mortgage with no resolutionoffered for my case. The last person I talked to stated that she can place a request for me to be contacted in 3-5 days. I am a XXXX with XXXX XXXX XXXX. Can you please help me. 

A home owner

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 2020-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've made all of my payments on tome from XX/XX/XXXX till XX/XX/XXXX. TransUnion has me making a late payment in XXXX. They remove it, then put it back on. I have all my cashed checks showing it was paid on time. Also my balance is {$270000.00} and they have my balance {$33000.00}. I was just denied a credit card based on what they reported on my credit report. I believe they are purposely reporting inaccurate information.

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 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: WA

Complaint narrative:
Every month, I always pay the mortgage for our home ( XXXX ) and a rental property ( Flagstar Bank ) at the same time. We have never missed a mortgage payment. Somehow, our XX/XX/XXXX payment was processed for our home, but not for the rental. I don't know if this was due to simple human error, or a system error on the part of Flagstar. My brother, who co-owns the rental with me, was XXXX in the XXXX XXXX with the XXXX XXXX XXXX during this time, and we were not aware that the payment had not processed. 

We did not receive a mortgage statement in XXXX ; I don't know if this was an error on Flagstar 's part, or if our mail was mis-delivered or stolen. Mail is often mis-delivered in our neighborhood ; we frequently receive our neighbors ' mail, but no one has ever returned mis-delivered mail to us. I just spoke with a customer service representative at Flagstar today ( XX/XX/XXXX ), and learned that a piece of mail they sent eight days ago, on XX/XX/XXXX, has still not reached us. 

The first piece of mail we received about the late payment was dated XX/XX/XXXX. Upon learning of the late payment on XX/XX/XXXX through that letter, we immediately paid for XXXX, XXXX, and XXXX. We also set up automatic payments. 

Through this situation, I learned that Flagstar failed to obtain correct contact information for us when they took over the servicing of our mortgage in Fall XXXX. I spoke to a Flagstar customer service rep on XX/XX/XXXX to figure out how we had missed their call ; neither of the phone numbers they had for us were correct. Flagstar also neglected to obtain our email address from our previous mortgage servicer. 

As a result of Flagstar 's negligence when assuming the servicing responsibility for our loan ( and apparently our mailperson 's negligence as well ), we did not know that our payment was late until the account had already been reported as delinquent. Our payment was 33 days late, and it was NOT late due to insufficient funds. 

I have submitted two separate credit review requests to Flagstar with the information above, requesting that Flagstar a ) contact the credit bureaus they report to to have this late payment removed, and b ) provide me with a letter of deletion for the late payment. Both requests have been denied. 

I am not denying that our payment was late ; however I do firmly believe that Flagstar 's refusal is both unreasonable and anti-consumer. This late payment record is preventing me from refinancing my home, despite the fact that I am not at all a credit risk.

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 2020-05-29 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: VA

Complaint narrative:
I don`t recognize these inquiries. I have never applied for this.I don`t have any agreements or contracts with this companies with my signature.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion allowed a collections on my credit report that does not belong to me. The collections for {$140.00} from XXXX does not belong to me and is fraud. I have never had any involvement with such company. I would like for it to be removed my credit report. I reported to Transunion that my identity had been stolen within the last 3.5 years. I had not received any communications from that company named XXXX regarding this debt. Also, it has been difficult to contact an agent at Transunion to dispute this collections because they are not taking phone calls and I was unable to dispute online. That account that was placed on my credit report reads that the account was opened XX/XX/2019 and that was not me. Also, XX/XX/2019, was less than a year and I was not sent any prior communications from that company XXXX regarding such collections. And the date of that medical collections date is just 6 months ago and does not provide apt time for anyone to receive communications, dispute, and pay. However, I did not receive any communications and only knew of such collections due to an alert that I received.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CONTRACT CALLERS INC
State: AZ

Complaint narrative:
I paid Contract Callers the debt that I owed them of XXXX and that status should be paid in full. They reported the same debt XXXX  on my XXXX  report and only closed XXXX of them. I have an open collections for XXXX that needs to be completely deleted as they only closed XXXX of them as paid in full. So it looks like I had XXXX collections rather than the XXXX that was valid.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On XXXX credit reports equifax, XXXX, XXXX  shows I owe money to XXXX XXXX XXXX  opened on XX/XX/2019 for XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/2019, XXXX purchases were made by my authorised user, XXXX XXXX at XXXX XXXX for the amounts of {$48.00} and {$82.00} in XXXX, NY. All of these items were returned on XX/XX/2019. The items returned were phone cases and screen protectors for the incorrect phone. Refunds from XX/XX/2019 were for {$48.00} and {$26.00}. I am disputing the amount of {$55.00} because I returned all items from the receipts, but was not refunded for all of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I pulled a copy of my credit report and notice information from American Honda Finance on my credit report that should not be there. I reached out to the credit bureaus to do an investigation XX/XX/2019 ( please see attach letter entitled bureau investigation ' ) and the bureaus respondedXXXXXXXX stating that American Honda Finance verified the information as reporting correctly. ( please see attach response from the bureaus entitled 'bureaus initial response ' ) I then reached out to American Honda Finance directly XX/XX/2019 after I received that letter from the credit bureaus. ( please see attach letter entitled XXXX letter sent ' ). To date we still have not receive a response from America Honda Finance and we know they receive the correspondence sent XXXX please see attach signed green return receipt ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I am trying to setup an account with XXXX for investments purposes. My bank PNC changed some rules without my knowledge which does not allow me to fund my account with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: GA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: KS

Complaint narrative:
On the billing statement, it reads " Suspense : Any partial payments that you make are not applied to your mortgage, but instead are held in a suspense account. If you pay the balance of a partial payment, the funds will then be applied to your mortgage. '' On XXXX, I made a partial payment with the knowledge that this payment would be placed in suspense until a full mortgage payment would be made. However, Specialized Loan Servicing moved the {$300.00} partial payment to the principal instead. I notified the company that this was to go to the suspense. They refused in writing and on the phone. I have since made XXXX more partial payments and they are properly sitting in suspense, but they refuse to move the {$300.00} payment from XXXX to make my XX/XX/2020 payment. They have now charged me late fees and have threatened to report my delinquency if I do not pay an additional {$300.00}. 

After XXXX phone calls and XXXX emails, they verbally have refused to move the {$300.00} and fraudulently charge my account late fees.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I don`t recognize these inquiries. I have never applied for this.I don`t have any agreements or contracts with this companies with my signature.

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 2020-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I don`t recognize these inquiries. I have never applied for this.I don`t have any agreements or contracts with this companies with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal sent me a mastercard. I never asked for a credit card from them. Obviously, this situation could easily lead to fraud since i had no idea the card was coming or that it even existed. 

I called the number in the paperwork that the card came with and card the number on the back of the card to figure why they could be sending a credit card that i didn't ask for. All the numbers led to a recording saying there was no customer support due to Covid-19.

Apparently, this is a paypal practice, search on " received paypal mastercard that i didn't order '' and find many examples, including : https : XXXX How can PayPal being doing something so risky with something so important as someone's credit. Isn't this illegal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a new Citi Premier credit card in XXXX under a promotion that stated : " Earn XXXX Bonus Points after making {$4000.00} in purchases with your card within the first 3 months of account opening. XXXX Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM , Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months. '' 1. I made {$4000.00} in purchases in the first 3 months. 

2. I did NOT receive a new card member bonus on the Rewards+, Preferred, Premier, or Prestige in the past 24 months. 

3. I did NOT close an of those account in the past 24 months.

4. It has been over 90 days and the points were not posted to my account. 

I contacted citibank, they stated " special offers aren't available with an existing account in the same product has been approved or closed within 24 months '' Those terms are not listed anywhere on the account application, new terms can not be applied after the fact.

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