vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-24 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
CHEXSYSTEMS you violated my rights by supplying information to XXXX, XXXX, XXXX AFTER I FROZE your recorded. You violated my right to privacy you gave out my information now take it back from the 3 credit reporting companies

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
Mortgage Company is stating that payments are not being received since XX/XX/2021 to present. However, payments were accepted by company through direct deposit from bank. Then, payments were made through US mail by form of checks and checks were return not deposited from account holder. 

Mortgage Company claim from XX/XX/2021- XX/XX/2021 that payments were not received by XXXX XXXX. The servicing of the loan was transferred or purchase from XXXX XXXX XXXX to Selene on or about XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Carecredit through synchrony bank. Got it because my vet was partners with them and my cat needed XXXX, all was good until actually paying them back, they have bumped almost every payment i have made while giving me conformation numbers for all the charges, did not tell me they bumped them, charged a fee without telling me, canceled my account without telling me, charging me more interest rates because of nonpayment because they bump every payment thus knocking my credit score down XXXX points. On top of that you'll receive calls, texts, emails that are very unprofessional from them telling you to pay your account months after they bumped all your payments. Their explanation " your bank canceled the payments '', bank says they were there and just dropped off for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC
State: NY

Complaint narrative:
I am one of the depositors in Celsius that has most of my life-saving funds currently locked in the platform. I am still feeling confused, having mental trauma and the current Celsius situation has gotten myself into a financial constraint that somewhat changed and restricted my usual day to day life. With that, I am seeking help urgently from you, as I am feeling helpless at this very moment. 

Most of the depositors, including myself have been misled in some way and thinking if there are any legal recourses in returning back the deposits, for myself or others who are depending heavily on the deposits to get our family and life going in the coming months. 

In the CEOAs weekly - Ask Me Anything meeting, we had been consistently communicated and made to believe our assets deposited in Celsius are safe as we were told those deposited assets are loaned out to big institutional investors, that was backed with over-collateralized assets while we can also withdraw our funds in full anytime. By that understanding, therefore majority of the depositors, including myself had been signed up. In fact, I placed all the fiat-term deposits into Celsius especially when XXXX said XXXX numerous times in XXXX how Celsius is even safer than a bank. 

During the filing of chapter XXXX on XX/XX/2022, many depositors including myself were caught off guardand we felt tremendously misled, as we came to know behind the scenes, various highrisks activities were involved in deploying our assets. In the XXXX  XXXX filing document, Celsius declared the depositor assets had been XXXX for Market making, Swing Trading, Spot Trading and Cash & Curry activities involves trading and leveraging demand in future markets. All these activities were never clearly communicated and disclosed explicitly to us community or in the XXXX. Had we made known clearly, through an online hosted and transparent briefing of what those high-risks activities are, many of us, including myself would not have taken the risks in depositing our life-saving / retirement funds in it. 

Up to the days before the withdrawal pause on XX/XX/XXXX, XXXX was still lying around and telling everyone how safe the platform is, and that there was no problem at all if anyone wish for a full withdrawal. 

Due to this fraudulent behavior, I am now fully locked out of my XXXX ETH tokens and XXXX XXXX tokens -- worth about $ XXXX at the time of my investment ( now conveniently for Celsius only around {$10000.00} at the time bankruptcy was declared ), not to mention the amount of APY I was promised as a creditor to the tune of almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bank with Bank of America in California and have done so for more than a decade, perhaps much longer. As of XX/XX/2022, every check I have written has been flagged for fraud and required an immediate confirmation from me, by text, for the check to be processed. While the claim is regarding " unusual activity '', the checks flagged are some of the most regular transactions I make. My rent check is the same amount, to the same entity, at the same time of the month, every month, for more than a decade -- -yet it is " unusual ''. Similar checks have been flagged, 5 in numerical sequence. Now I see that my credit card ( I have 2 with Bank of America ) is also indiscriminately flagged and transactions being rejected on the basis of fraud. These include regular subscription charges that have occurred for years for the same amount at the same time to the same vendor. 
The net effect is that Bank of America, under the auspices of " fraud protection '' is refusing to make the payments I authorize unless I am available to respond to texts -- sometimes that is not even an option. 
I have spoken with a number of service agents and none have the ability/authority to actually address the issue of a global denial of payment processing for my accounts, apart from " leaving a note in my file, '' which they have admitted, is not something a computer will read or regard. 
Discussions with supervisors have only resulted in them saying " we're doing the best we can ''. 
I believe that Bank of America has flagged my account and rendered it functionally inoperative as a retaliation for my negative feedback and my frequent use of the customer service phone contact, or some other reason. I can not believe that this level of " protection '' is being used across all of their consumer accounts, or their business would cease to function, therefore if it is specific to my account, it is to discourage or punish my use of the bank, which has not materially changed. I maintain substantial checking and savings balances, do not carry a balance on any of my credit cards and do not initiate chargebacks or other costly banking services with any frequency. My behavior has not changed, but the behavior of my bank has drastically changed. I can not seem to contact anyone who has the authority to address more than individual transactions, while my problem occurs across the entire company.

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 2022-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
My account was overdrawn by {$110.00}. i transferred XXXX from XXXX  and another {$80.00} was sent through XXXX  to my account to {$7.00} in the positive. I woke up to me about being XXXX in the negative. Now they are trying to charge me another overdraft fee even though my account was in the positive by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCarthy, Burgess & Wolff, Inc.
State: FL

Complaint narrative:
I was originally contacted by a private investigator named XXXX who claims that he is investigating my business he needed to verify my address which was incorrect and he called me on my personal cell phone. He notified me that my bank will be contacted, assets will be looked into and all of my vendors will be called. After I gave him my business address and phone number he told me that I owe a debt to a huge client of his that is located in Texas I asked him who it was and he notified me it was XXXX XXXX of XXXX XXXX and XXXX. I ask for contact information and he gave me his phone number XXXX. I called XXXX XXXX and he had no recollection of my account after giving him my full name and the business name he said he will do some investigation. After about 10 minutes he said that I owe {$3000.00}. For which I said another company called McCarthy Burgess and Wolfe claims I owe {$2400.00} I said this cant be true one account get cant get sold to two different collection agencies and I have to pay both. He notified me that occur McCarthy Burgess and Wolfe was a fraudulent company and that he now owns the account. Ill ask for validation and proof of ownership of this account and he said that his account is accurate and he can only provide a generic email and nothing else. I contacted XXXX XXXX and they claim I dont owe anything at all and nothing has been sent to collections. Theyve also notified me that there are a ton of scammers and I said this is not OK and we have to work this out. I later received a call back from XXXX XXXX who said that the XXXX was accurate I now have an email from him stating that I/O McCarthy Burgess and wolf {$16000.00} however McCarthy Burgess and Wolfe claim that I owe {$14000.00} {$.00} and another {$2400.00} neither company has provided me with invoices from XXXX and Im not sure which company to work with especially since XXXX XXXX told me that McCarthy Burgess and Wolf hes never heard of and not to work with him not sure how he got the dollar amount of {$16000.00} if he doesnt work with McCarthy Burgess and Wolf .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 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: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/22, XXXX XXXX submitted a fraudulent invoice reference # XXXX for {$1700.00} to be charged on my Citibank credit card. There is no contract signed by me to justify this invoice. There was also an invoice submitted for {$350.00} which has the last two of someone elses drivers license # with my name on it and has the same reference #, XXXX as the invoice for {$1700.00} On XX/XX/22, I disputed the charge with Citibank and forwarded a signed contract with reference # XXXX which matches the reference # on the invoice for {$520.00} I was promised on Monday, XX/XX/22 by XXXX an analyst in the President department for Citibank that {$1700.00} would be credited to my account in two days. Citibank is now refusing to reverse the charge and advised me the merchant has declined to return the funds but they had no problem funding a fraudulent invoice.

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 2022-08-24 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:
I am a Natural, living person. I have rights under the 15 USC 1681.

Equifax is governed by 15 USC 1681. And they have violated my rights numerous times. i demand the account listed below to be removed because According to 15 USC 1681 : I have the right to privacy and furnish, I did not give Equifax written permission to furnish these accounts.

15 U.S.C. 1681 section 602 A. States I have right to Privacy.

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

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


Accounts 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I got a call from my XXXX XXXX my mortgage company saying that the call was concerning about my payment that I was behind 3 months, I told the lady that that was impossible because I send {$9300.00} on XX/XX/XXXX and the check already clear the bank on XX/XX/XXXX. She ask me to provided copy of the bank statement and I complied with their request. 
The next day I got a call from XXXX XXXX  and they thank me for sending the bank information. 

They notice that the check was paid by XXXX  XXXX XXXX on XX/XX/XXXX to SPS ( Select Porfolio Servicing ) Select Porfolio Servicing is my second mortgage company. 

I call Select Portfolio Servicing on XX/XX/XXXX and told them about the mistake I made that I sent a check payable to XXXX XXXX  with XXXX  account number in memo and SELECT PORFOLIO cash the check and never give me any credit. I ask to please return the money because i was facing foreclosure and the response was it will take 30 days for them to investigate. I told the lady that I am not on the position of waiting 30 days. She told me I am the one who make the mistake not then and they have rules to fallow. 

On XX/XX/XXXX I when to XXXX XXXX XXXX to found out why they paid a check for {$9300.00} to a different entity and they did and investigation and on XX/XX/XXXX the bank give me a temporary credit for {$9300.00} then on XX/XX/XXXX i got a letter from XXXX  XXXX XXXX stating. Unfortunately, we are unable to approve your recent claim because The merchant 's bank provided documentation showing proof of my authorization. XXXX  XXXX XXXX recommendation is for me to contact the mortgage company direct. 
I contact SELET PORFOLIO on XX/XX/XXXX and they told me that on XX/XX/XXXX they overnight via XXXX  a check for {$9300.00} they can't provided me with a tracking # today XX/XX/XXXX check never got here. Can I get help on my situation. now if I don't paid my mortgage at XXXX they are sending paper for foreclosure on XX/XX/XXXX. XXXX  in helping us but everything has a limited. 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 2022-08-24 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: CT

Complaint narrative:
15 U.S. Code 1692j XXXX XXXX XXXX XXXX is furnishing false and deceptive forms indicating inaccurate data which causes harm to my status. They allege I owe Them a debt, which is inaccurate.

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 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm reporting that transunion been provided in accurate information. As I asked for my credit report and asked them to remove in accurate information. This matter was never completed. Which this is costing me thousands of dollars reporting in accurate information on my credit report. 

I'm demanding this information to be removed due to The Fair Act Credit laws. 

please delete any other references to names as they are not mine and I have never used any of them. 

My only legal name : XXXX XXXX My only current address : XXXX XXXX XXXX XXXX XXXX IL XXXX My only Employer : XXXX XXXX  My only Phone 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 2022-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Good afternoon, I received this collection letter from Credit Collection Services owing {$1200.00} supposedly filed by XXXX XXXX XXXX which did not belong to me. I have never had a procedure done in XXXX XXXX XXXX, at all. Now I am a little concerned why they are billing me for this when I have not visited any XXXX XXXX XXXX at any location. I hope this is not a stolen identity in my part. They can call my Insurance Company since they have me on file or speak to my Medical Doctor to confirm this. SO please remove me from this claim. They keep mailing me a collection letter and I would appreciate it if those letters stop! This is under Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. REF XXXX XXXX XXXX ( XXXX XXXX ). Please have Credit Collection remove me from their files. 

Thank you XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was notified last night that my Experian account 's email credentials had changed. I called and confirmed that someone else had recovered my account, changed the username, the email address and the phone number to something else. 

They could not give me more information. They claimed additional information will be sent to me in the next five business days. 

I want to file a police report just to go on record of this event, but the XXXX police department requires that I already filed a complaint with the FTC. The FTC website sent me here. 

I've restored access to my Experian account, changed the email, password and phone number back to mine. I dont know what else to do.

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 2022-08-24 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: FL

Complaint narrative:
XXXX XXXX XXXX- {$6700.00} Open balance Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence- Please this is not mine.

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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist has been updating me weekly that they are still working on my account. The last call was on Monday XXXX and noted they'd call me on XXXX with an update/final but did not. 

I am now receiving notices that they sold my loan to XXXX XXXX XXXX  active as of XXXX. XXXX XXXX XXXX sent my welcome email dated XXXX followed by a delinquent notice dated XXXX. They've also been to my home and placed a hand written envelope labeled Confidential in sharpie marker on my doorstep. 

I am attaching attaching all including a rejection letter from Truist as to why they aren't correcting my credit reporting. 

I'm beginning to fear for my safety due to letter at my doorstep and on going harassment by mortgage lenders. Has Truist sold my loan during an investigation to avoid accounting for where my loan payments have been applied? 

Regards, 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 2022-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
I have weather damage to my home. My insurance agent cut me a {$10000.00} check to fix it. I endorsed the check and sent it to my mortgage company. This was last year! In this years time they had my money they requested paperwork to distribute money. My contractor and I both emailed and uploaded the proper paperwork. Flagstar has said they haven't got any of it. My contractor showed the proof of him faxing it and I can see it's been uploaded yet inactive. Every time I call Flagstar I'm on hold for long periods of time and can never speak to a supervisor. In the year I've been trying to get this done my weather damage has worsened. This is my primary residence that I pay them for and my contractor is legitimate. I need assistance in dealing with Flagstar. I hope this helps

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