vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: CA

Complaint narrative:
on friday XX/XX/XXXX i called my mortgage servicer Selene Finance regarding the documents i emailed to them. They were not able to see the documents and asked me to send again. i sent XX/XX/XXXX and XX/XX/XXXX, I have my emails where i can see what i can send. I am unable to get a hold of anyone and when i do request a callback i do not get one, I had requested a loan modification back in XX/XX/XXXX and didn't get an answer from the company till Mid XXXX. The company says they have received the documents but unable to see the last email. They have since closed my file with no notification, even though i have been in constant contact with my company. Today i have once again sent them all the documents again. The representative i spoke to on XX/XX/XXXXXX/XX/XXXX read a statement that someone had put on my file saying i did not need any further assistance and that covid had not been affecting my household anymore. I asked her where did she get that information. She advised me someone that calls customers posted it. She and I agreed that this information should of not been put in my file. She asked her supervisor and he said file could not be reoppened and i had to resubmit my application once again. They had started on Foreclosure even though we have a Moratorium in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
To Whom It May Concern : I hope this message finds you well. The reason you are receiving this message is that IC System, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) has a derogatory account on my credit report that is being reported incorrectly. IC System has a {$1900.00} as a derogatory balance that was last reported on XX/XX/XXXX. Please be advised that I dont owe the IC system for any outstanding phone bill. Therefore, I am asking the consumer reporting to update this information correctly and remove such derogatory and report to all three major credit agencies.

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 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I live in Hawaii and have a Costco credit card issued by Citibank, which includes an annual fee as part of the Costco membership. Part of the agreement includes a cashback provision. Due to a hospitalization spanning several years, I was unable to redeem these cash rewards, and they expired within a year. 

As I understand it, expiring these values within 5 years is prohibited by both Federal law, the Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of 2009, and state law, Hawaii Rev. Stat. 523A-14 and Hawaii Rev. Stat. 481B-13 Having reached out to multiple representatives, I was told " We are systematically unable to generate new certificates once they are expired. '' I do not believe this is legal and would like guidance on the matter.

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 2020-11-23 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: CA

Complaint narrative:
I have been going back and forth with Equifax for over 2 months now. I have mailed them my Police Report, my FTC Identity Theft Report and my identifying documents as they requested. I have called and submitted disputes on. XX/XX/20, XX/XX/20 and today XX/XX/20. I was finally able to get some results on XX/XX/20 they deleted 3 of the fraudulent inquiries from my credit report but there are still 8 fraudulent inquiries currently being reported. This is a violation of the Fair Credit Reporting Act Sections 605B, 615 ( F ), 623 ( A ) ( 6 ). I want these inquiries removed immediately this has been completely frustrating dealing with this credit bureau and this has stopped me from getting approved for a mortgage and stopping me and my family from purchasing our home which is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Credit Acceptance, LLC
State: NV

Complaint narrative:
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is {$27000.00}. 
They also never gave any material disclosure disclosing I have a right of recession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: American Credit Acceptance, LLC
State: UT

Complaint narrative:
On or about XX/XX/2020 I applied to have my existing auto loan taken over by XXXX XXXX XXXX XXXX. XXXX advised me they'd be willing to refinance at a lower rate than the current lienholder-American Credit Acceptance-but required that I obtain a twenty ( 20 ) day payoff balance from A.C.A. I attempted to login to my A.C.A. account and was denied access. phone calls went unreturned. On XX/XX/2020 I sent a written request via XXXX 2nd day air ( tracking # XXXX ) that was received by XXXX at XXXX XXXX. on XX/XX/2020. The address sent to : American Credit Acceptance XXXX XXXX XXXX XXXX XXXX, SC XXXX is listed on their webpage as the facility dealing with titles. I advised them they had until XX/XX/2020 to respond. they haven't responded and XXXX closed my file with an 'adverse action ' report. It's my contention that American Credit Acceptance does not have clear title to the vehicle they've been collecting on and are in fact attempting to defraud me. I've never missed a payment-and chose to keep the vehicle while going through a chapter XXXX bankruptcy ( discharged XX/XX/2020 ). I'm a XXXX senior caring for my spouse who's in XXXX XXXX. If A.C.A. refuses to respond I'll block their payment access. My account # XXXX XXXX XXXX Recurring plan XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ

Complaint narrative:
On Monday XX/XX/2020 I was contacted by XXXX XXXX XXXX XXXX. about a debt collection for private student loans from HESAA, after receiving a letter from his law firm on XX/XX/2020. He gave me a payment number that I would be unable to afford. I asked for a lower payment and his response was that wouldn't even cover my interest but if he were me he would send anything he could to them. He also stated this would continue to hurt my credit, before saying what I was offering was like " going into a car dealership and offering {$5.00} for a {$1000.00} car ''. Not only was the comment not appropriate for someone trying to work out a payment plan it was condescending and insulting. I had previously entered bankruptcy for this loan due to the fact that I could not afford the minimum payment and XXXX XXXX XXXX refused to work out a reasonable payment plan. Also on the HESAA website it states " During the pandemic emergency, HESAA instructed its private collection attorneys to suspend involuntary collection activities related to defaulted NJCLASS loans, such as filing court judgments and wage garnishments. In addition, during the state of emergency, your defaulted NJCLASS account will be reported to credit bureaus under the approved disaster code, which should not negatively impact your credit score. Please contact the private collection attorney assigned to your defaulted loan. You may continue to make voluntary payments on your defaulted NJCLASS loan, or you may request a modification to the payment amounts due to unemployment or financial hardship due to the COVID-19 pandemic. If you need help getting connected to the private collection attorney, please let us know by sending an email to XXXX. '' and it sounds like they are still tacking interest on and also they are conducting involuntary collection activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: CA

Complaint narrative:
I have repeatedly sent certified mail letters to XXXX, XXXX, and TransUnion to remove a credit item from XXXX  because I am supposed to be included in this Class Action Settlement against XXXX. I wrote to the Office of the Attorney General, they sent me a letter dated XXXX XXXX with a PIU # of XXXX and said to follow up with XXXX XXXX who is administering money damages and XXXX is supposed to do loan forgiveness etc. I called XXXX XXXX because I never got a notice and they stated " I am not part of the Class Action Lawsuit '', despite having 2 auto loans over 23 and 26 % interest rate. I have let the Attorney General 's Office know that these 3 credit bureaus have done NOTHING to remove this from my credit report, they have done NOTHING to help me get monetary damages, and XXXX continues to DAMAGE me and my credit reputation preventing me to move forward with my life. I CAN NOT get a decent job that is high paying, nor get a credit card, not even a car nor a house, and this has DESTROYED my ability to have any future. I want CFPB to HELP ME by enforcing Federal laws and make XXXX, Attorney General Office, and credit bureaus PAY ME MONETARY and PUNITIVE damages for my suffering here. I have a job working at an agency, but I have lost ALL chances of getting a Federal job. I am XXXX. Too old to get a real job now thanks to their destroying my 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 2020-11-23 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: LA

Complaint narrative:
Contacted Transunion numerous times from XX/XX/2020-XX/XX/2020. Filed multiple disputes and disputes are still not resolved. Identity was mistaken with someone else, credit was ruined.

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 2020-11-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Trans Union Credit Reporting agency is reporting inaccurate information on my credit report. Information is inaccurate and does not reflect the status of payments made to the banking institution. The incorrect information is reported as collection from XXXX XXXX for the month of XXXX and XX/XX/2020. The institution stated no derogatory information has been reported to Trans Union on any of my accounts. Trans Union has placed inaccurate information on my account which has reduced by credit score by a significant amount. I would like this incorrect information corrected and removed from by account.

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 2020-11-23 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: CA

Complaint narrative:
On Monday, XX/XX/2020, I just received in the U.S. mail my " FREE '' annual credit report from " Experian '' credit reporting agency. On " Page 1 of 16 '' it incorrectly states that I owed some company called " XXXX XXXX XXXX XXXX '' $ XXXX as of " XX/XX/2020. '' This is news to me and this $ XXXX DEBT is not mine!!! 
I looked for a telephone number on my " Experian '' credit report for this so-called " XXXX XXXX, XXXX '' and " Experian '' also stated on " Page 1 of 16 '' that " No phone # available. '' Of course not, most " scam '' credit collecting agencies ALWAYS have " No phone # available ''!!!

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 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NJ LENDERS CORP
State: NJ

Complaint narrative:
I have requested NJ LENDERS to forward a receipt of payment for the XXXX refinance of my XXXX original purchase XXXX XXXX XXXX XXXX mortgage and NJ LENDERS has not produced anything at all that shows the amount that was paid to XXXX for the refinance. Records show the mortgage was not satisfied and not discharged. XXXX achieves was searched and no records were produced. Take a look at the attachment " SAID MORTGAGE '' I received the page titled Corporate Assignment of Mortgage from NJ LENDERS as part of their response. Please explain how I can sell a fictitious property address that also has fraudulent title insurance. The subject premise is XXXX XXXX XXXX XXXX, XXXX. The records appear to be designed to confuse those who read the documents. NJ LENDERS HAS BEEN REQUESTED MANY TIMES TO PRODUCE RECEIPT OF PAYMENT PAID TO XXXX AND HAS NOT PRODUCED A THING TO SHOW A DOLLAR AMOUNT PAID TO HCSB FOR THE XXXX REFINANCE OR THE SATISFACTION AND DISCHARGE OF MORTGAGE. TAKE A LOOK AT THE ATTACHMENT " SAID MORTGAGE '' IT NOT CONFUSING AT ALL WHAT IS GOING ON HERE. How do I sell my house when the mortgage is NOT for my address and the survey and the title insurance DO NOT even come close to the deed location? There are far too many discrepancies to believe that they are mistakes. PLEASE PRODUCE PROOF OF PAYMENT TO XXXX. I AM NOT ASKING FOR A PILE OF UNREQUESTED PARER WORK I REQUESTING PROOF OF PAYING OFF MY ORIGINAL XXXX MORTGAGE. HOW DO YOU EXPECT ME TO SELL THE HOUSE. ON TOP OF THAT SOMEONE FORECLOSED WHILE THE HOUSE WAS IN CHAPTER XXXX BANKRUPTCY PROTECTION. WHO HAS ALLOWED NJ LENDERS TO CONTINUE TO CONDUCT BUSINESS LIKE THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: CA

Complaint narrative:
I purchased a pair of XXXX sandals for XXXX from XXXX on XX/XX/2020. I haven't received my money back or sandals. Now I waited 30 days and I was texting her and she stop responding. So I contacted my bank and I received a temporary refund from my back and then they took back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Self Financial Inc.
State: AZ

Complaint narrative:
I have been putting money in a self lender installment account for the past sixteen months I wished to close my account and the amount for payout is XXXX dollars they are only allowing me to get XXXX dollars back because they say it is going towards their closed credit card I never agreed or authorized this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

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 2020-11-23 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XX/XX/XXXX I sent a letter to the bureaus in regards to my items being disputed in all forms of inaccuracy XX/XX/XXXX I got no response then I filed stating I was reporting them & certified these aswell.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NM

Complaint narrative:
XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, i accepted an offer from CitiBank to transfer a balance from another credit card. under the terms of the offer, i paid CitiBank {$150.00} for a {$5000.00} balance transfer which would bear .99 % interest until XX/XX/XXXX. 
i had previously tranferred a balance with CitiBank which expired on XX/XX/XXXX and bore interest at 0 %. on XX/XX/XXXX and 15 i paid {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. Citibank applied most of that {$6000.00} to reduce the balance subject to the XX/XX/XXXX expiration. 
Despite repeated calls, Citibank has refused to alter their allocation of the {$6000.00} payment. 
their explanation is based upon airline charges i made on XX/XX/XXXX which somehow altered the manner in which my payments were credited.

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 2020-11-23 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: Exeter Finance, LLC.
State: OR

Complaint narrative:
Although I had experienced identity theft, and had been communicating with Exeter Finance and have been unable to successfully come to a common ground. Rather, they just keep saying the account has been verified and have not taken time to respond with anything other than that. I realize that these companies make money from making bad reports and this is not fair to my family and I especially at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: MA

Complaint narrative:
Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

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