vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX  on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
SECURITY CREDIT SERVIC Contact XXXX XXXX XXXX XXXX XXXX, MSXXXX   HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF {$29000.00} THE COLLECTION HAS BEEN REPORTED AS PAST DUE. I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: TX

Complaint narrative:
Hello, I have a couple of accounts on my report that do not belong to me they are identity theft related and I have already sent letters to them and my police report and they still have not fixed the issue. One issue is a chase account on transunion XXXX CARD ( XXXX ) C/O ( {$61000.00} ) XX/XX/XXXX TU and the other is a XXXX on XXXX XXXX XXXX ( XXXX ) C/O ( {$14000.00} ) XX/XX/XXXX EQ. 
I also have multiple inquiries on my XXXX and Transunion report that they have not removed even after sending a letter along with my police report. XXXX inq 's XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FACTUAL XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FACTUAL DATA FACTUAL DATA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2021-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: GA

Complaint narrative:
We went through a loan modification starting with XXXX  XXXX XXXX in XXXX and during that time our loan was transferred to Selene Finance as a servicer. We continued the modification with Selene and it seemed to be completed in XXXX. Below is a list of the events that we know occurred with our loan in chronological order : -The XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX, while the XX/XX/XXXX Mod has an Eff Date of XX/XX/XXXX this seems strange ; -Each one of the modifications references a HUD Supplemental loan, but only the XX/XX/XXXX one was done ; -The Modifications seem to indicate a balloon payment due on the HUD Supplemental loan , but without the Note, I have no idea what the terms of that loan are and/or whether there is some mechanism for satisfaction other than making the balloon payment ; -We originally borrowed {$230000.00} in XXXX, and now you ostensibly owe around XXXX what kind of relief is this? 
-There needs to be some accounting somewhere as to how Selene Finance and HUD calculated the arrearages and/or the loan amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
This is regarding TransferWise now XXXX. 

After 5 years of having an active account in good standing and with funds in multiple currencies, my account was suddenly closed because of a security breach on their end ( since they changed their name and website/app to XXXX ), my money is not being returned ( more than {$5000.00} USD in Dollars and two other currencies ) and no one from customer support is able to offer any insight or resolution into this. I've checked multiple times with my bank and there have been no refunds to my checkings account from XXXX. 

I've been dealing with this issue for almost a month now. All they have said is to open a new account and enter again all info I had on my former account. Regarding my funds, they have no idea of how much it was nor account statements, and their team only says that " it should be refunded to my bank account '' emphasis on " it should '' but they don't tell me how much or when.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I closed out my checking account with Citizens Bank in XX/XX/XXXX. Unbeknownst to me I had 2 small payroll checks totaling {$440.00} get direct deposited into this closed account on XX/XX/XXXX. Per Citizens, if anything occurs on a closed account within 60 days of closing, they automatically reopen the account, which they did. because I closed out the account in XXXX and chose to go paperless, I had no reason to further check this account, so I knew nothing about the deposit until XX/XX/XXXX when I received notice I owed them {$8.00}. I tried calling the 800 # provided to no avail. On XX/XX/XXXX I received a 2nd notice informing me I now owed {$33.00}. This time I went to local Citizens branch in XXXX XXXX, NH and found out about the reopened account and that I had 2 checks deposited in XXXX of XXXX. From XX/XX/XXXX to XX/XX/XXXX I never heard a word from Citizens, all the while they were taking {$25.00} each month from this reopened account until they drained the original deposit of {$440.00} and now they tell me I owe them money. The account I had with Citizens required a minimum balance of $ XXXX, otherwise I would have to pay {$25.00}. I requested Citizens refund me my {$440.00}, remove any overdraft charges and close the account as I asked in XXXX of XXXX. They offered me {$150.00}, which they would deposit into my account, then they would take the {$33.00} out, leaving me to take {$110.00}. I promptly turned them down and requested to speak to a senior bank employee, to which I was told there was no one to speak with. I am furious that a bank can reopen a closed account, then accept a payroll check, then drain that account by charging {$25.00} each month until there is no money left and have the nerve to then start charging me. I request a full refund of my {$440.00}, removal of any overdraft fees and for them to close my account permanently!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-14 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: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

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 2021-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This is a formal complaint against Midland Funding LLC located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX, XXXX and XXXX and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Midland Funding LLC has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I opted out of overdraft protection. My bank allowed 8 different debit transactions in the month of XXXX. 

I contacted my bank about this issue and they refused to refund the over {$300.00} in fees despite confirming that I opted out of this service. 

I am reaching out for help further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with CAVALRY PORTFOLIO SERV on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I had this card since XXXX with all payments on time & in full. XX/XX/XXXX I received a letter via the postal service-Dated XX/XX/XXXX- ( Bank of America CC had me go paperless in XXXX. After that all communication, bills and payments were done online, ph or email ). It stated that I haven't used my CC in 2 years & to keep it open I needed to used it by XX/XX/XXXX-Or they would close it on XX/XX/XXXX. I tried to remember. But, was dealing with the death of my Mother ( XX/XX/XXXX ) & dealing with my grief & the Estate duties. I saw the card in my wallet & used it on XX/XX/XXXX ( I couldn't remember the dates the letter mentioned & assumed it was by the end of XXXX ) The purchase went through, so I assumed I was correct, XX/XX/XXXX I got the e-bill & paid online on XX/XX/XXXX. XX/XX/XXXX I received an email from XXXX stating there was a change in my credit. I received nothing from Bank of America. XX/XX/XXXX-I received a paper bill in the mail with a due date of XX/XX/XXXX-for the already paid bill of {$13.00}. I called Bank of America on XX/XX/XXXX & they confirmed my account was closed for inactivity & couldn't restore that card. Now after a lifetime of stellar credit. My credit score has dropped to " Good '' & I am treated like I have bad credit. They need to reinstate a CC from my original date to restore my credit. As of XX/XX/XXXX-I just learned I have NO FICO score. XX/XX/XXXX-Filed with the XXXX. XX/XX/XXXX-Received email from a BoA resolution agent-I then called XX/XX/XXXX & XX/XX/XXXX-Got vm, left msg. XX/XX/XXXX-XXXX  called me back , we spoke for 7 min.XX/XX/XXXX-I emailed & asked for an update ( He to this date XX/XX/XXXX hasn't replied to the email ) .XX/XX/XXXX I cc, lvm,XX/XX/XXXX I called 2X. he returned my call minutes before he said he was leaving-I cc, lvm. XX/XX/XXXX-XXXX  called at XXXX & said he was just waiting on 1 more thing & should soon have an answer. XX/XX/XXXX & XX/XX/XXXX-cc, lvm. I have also sent XXXX  multiple emails asking for an update-with no reply. XX/XX/XXXX-I filed a complaint with the Attorney Generals office-who has now sent 2 letters to BoA & suggested I reach out to you. This was my only credit card ( obviously I am not the type to like using these ). And now after 29 years of having, using & promptly paying with this credit card. Their uncalled for actions have totally ruined my stellar credit. This wasn't cancelled for irresponsible use-But rather, they are choosing to punish me for not charging enough.

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 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: TX

Complaint narrative:
BBVA USA was purchased by PNC Bank. Over the weekend starting Friday XXXX of XXXX they were supposed to migrate accounts, making them available again via the online banking platform by Tuesday XXXX XXXX. This process was a complete disaster. As of today XX/XX/14 at XXXX PM my accounts are not linked in online banking making it near impossible to transfer funds quickly between my business accounts. Their advice has been to go into the branch to make the transfer. Their branches are swamped and just like any other business owner I don't have time to go to a branch for this. At this point payroll will be impacted due to the banks indifference. 

PNC were aware of this problem ( with accounts for clients with multiple EINs ) before the go live, but proceeded anyway, assuming that it was OK to prevent customers from accessing their funds in a timely manner. During the period since the transfer it has been near impossible to communicate with anyone at the bank. While my banker has tried to be supportive their phone lines leave you on hold for over an hour before abruptly hanging up. Their team has made claims on XXXX that they are contacting people by private message, they are not. PNC 's transition of these accounts has been a disaster, senior management decided to proceed with the transition despite knowing of issues their customers would experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I purchased my home in XXXX and Shellpoint Mortgage is the latest mortgage servicer. This is my primary residence and I live her with my wife and four daughters. Our hardship began in XXXX of XXXX when the XXXX pandemic hit. My job at the time involved inspecting people 's homes, which required much traveling throughout XXXX California. My job brought in a higher income for me because as an independent insurance adjuster, I made extra money off of mileage and overtime. Because of the pandemic, I had to cease all travel and could not be exposed to the public because catching the virus would be especially harmful for my family. I have XXXX and all XXXX of my daughters have XXXX. One of my daughter 's has an immune system compromising XXXX as well. In addition, my wife and I are the sole caregivers of my wife 's elderly mother who has XXXX XXXX. Because of all of this, my employer at the time allowed me to work strictly from my home office and adjusted my duties so that I wouldn't have to travel. Unfortunately, this was only going to be a temporary situation and as the pandemic continued and during this time, my income dropped dramatically because I was no longer getting the extra hours and income from the mileage. This continued through all of XXXX and into XXXX until my employer required that I go back to my regular duties, which I still could not do because of the pandemic. In XXXX of XXXX, I took a position with another company, XXXX XXXX, which allowed me to work from home permanently without having to travel or be around the public. My income increased only slightly, but still nowhere near what I was making before the pandemic. 

Shellpoint Mortgage allowed me to be in a forbearance program for the entire period until the moratorium ended on XX/XX/XXXX. I have tried to work with them to bring my mortgage current and resume my original payments, but they are continuing with the foreclosure process. They have allowed me only one option which was a payback plan. I owe over {$42000.00} in back mortgage payments and the plan they wanted to set me up in would require that I pay {$39000.00} down and an extra $ XXXX/month for six months. I don't feel asking for {$39000.00} ( due on XX/XX/XXXX ) is reasonable. They said I do not qualify for a payment deferral or modification and the repayment plan is the only option. If I can't come up with the {$39000.00} by XX/XX/XXXX, they will foreclose on my home. The have already started the foreclosure process and are working on establishing a sale date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

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 2021-10-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted Equifax in XXXX of XXXX and XXXX of XXXX regarding the reporting of late payment on my FED Loan account. Equifax is reporting as on time in XX/XX/XXXX, then in XX/XX/XXXX they are reporting 120 day late, XX/XX/XXXX as 120 day late and XX/XX/XXXX as 120 day late. It is not possible to go from paying on time one month and then the next month being 120 days late.

Company response to consumer: Closed with explanation