vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports. 

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  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX  XXXX 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 non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
In accordance with the Fair Credit act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Collections accounts XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1900.00} XXXX XXXXXXXX XXXX  {$1200.00} XXXX XXXXXXXX XXXX {$780.00} XXXX XXXX XXXX {$710.00} XXXX collections accounts XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX  {$3500.00} XXXX XXXX {$780.00} XXXXxxxxxxxxxx {$710.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to delete the following information listed in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not provided any written consent. I ask that the items kindly be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Im advance thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Pursuant to 18 USC 8, owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I received a payoff quote for {$25000.00} that would need to be paid by XX/XX/2023, to avoid the payoff amount changing. I paid the entire amount off in full but now the company is attempting to charge me an additional XXXX  because they applied the funds incorrectly. They need to make my account " XXXX '' and send XXXX XXXXXXXX to XXXX XXXX. It is paid in full and they need to honor this. I have called multiple times and keep getting put on hold endlessly or told that someone would call me with a resolution and never receive a call. 

I am concerned that they will affect my credit and that the loan will remain open, when I have paid this in full.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services
State: FL

Complaint narrative:
I am currently on XXXX. Prior to the end of the student loan  pause, I was on XXXX at {$0.00} for almost XXXX decades without problem. My servicer keeps sending relentless requests for me to pay a delinquent amount that I do not owe. They say i am XXXX days or more delinquent and owe them over $ XXXX. I have begged them to remove the delinquency and to stop requesting payment every month but they keep sending me bills. I have been begging for them to fix this for several months and yet they keep telling me I'm  delinquent and need to pay them for an XX/XX/2023 missed payment. I was on XXXX during the student loan pause and was not required to recertify but apparently was thrown off of XXXX in XXXX 2023 and placed on what appears to be the standard plan. I have sent many messages for months and all i get is boilerplate  responses. After several  months of begging them to erase the delinquency because it's an ERROR they keep trying to get payment. I have suffered from XXXX  XXXX XXXX for many years and the mental stress is causing me to have significant problems, yet they don't care. I fear that XXXX 's on-ramp will expire and my credit will be ruined all because Edfinancial could not correct their error in time. I have begged for help through a studentaid.gov complaint yet month after month this error remains and Edfinancial keeps trying to collect the $ XXXX amount from XX/XX/2023 which is an error. I just need someone to help me because after several  months NOTHING is changing and psychologically and physically I am suffering under the weight of this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
I want the following fraudelent, unauthorized inquiries removed.I have included the inquiries and identity theft report atatchment. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
We purchased a refrigerator from Best Buy on XX/XX/XXXX on a Best Buy card which uses citi bank to service it. We set auto pay with no interest for 18 months. However, the refrigerator started having issue after few months and we filed for warranty. We went to Best Buy again XXXX and explained whats going on and the salesman told us that he can take care of it and get us a new refrigerator with same promotion. It was set on auto pay as well without us taking us any action. Since the purchase of first refrigerator on XX/XX/XXXX to present, there was NO STATEMENT, LETTER, or EMAIL showing the balance or promotion termination or how the payment was applied. No communication whatsoever at any point from citi bank to us. Then suddenly I noticed payment amount increased in XXXX of XXXX   and we called Best Buy to get explanation who in turn told us to call citi bank. Citi Bank would not answer the phone often. Once they answered the call and told us to contact Best Buy. Here are the few issues in the business practices of citi bank. First of all, the credit card they issued to us had no name name of citi bank. It only had Best Buy which leads us to believe that Best Buy does in house financing. We had no knowledge of citi bank being the financing company till Best Buy told us to call them. Second, citi bank failed to send monthly statements which would outline promotion period, balance and other related items. Upon request, they failed to provide us proof of dates when they sent us statements, letters, or emails if they did one. There is the issue of transparency here. They were not providing statements monthly which would have enabled them to charge exorbitant amount of interest only if they could hide things from us. This is on borderline of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
In XX/XX/XXXX I had assistance in applying for a modification, I was approved for trial modification XX/XX/XXXX and payment were to start on XXXX XXXX thru XX/XX/XXXX. I made all my payment on time every month. My last payment was not accepted by XXXX  they stated that due to title they weren't able to finalize my modification. My advocate called XXXX  and they had advised her that that due to title issue they were not able to give me the XXXX  agreement. I was not informed of this by mail as they claim that a letter was sent to XXXX  which i never received. There is nothing on my title that is derogatory that would stop them from giving me my XXXX  modification. My husband XXXX XXXX passed away XX/XX/XXXX. Which the deed reads XXXX XXXX and XXXX XXXX XXXX, XXXX  wife in title. When XXXX people take title as husband and wife they are immediately considered XXXX XXXX XXXX XXXX XXXX XXXX. As soon as XXXX person dies, the entire property gets left to the other person in " tenants by the entirety '' XXXX passed away XXXX, which leaves the entire property to XXXX automatically with no need for probate. This has been confirmed with the XXXX  XXXX  and multiples attorney. I just want to move forward keep my home  and continue to make my mortgage payments as agreed in the trial modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I notified Bank of America of reporting inaccurate information on my consumer report on XX/XX/2023 concerning an account ending in XXXX. Bank of America replied that they verified that all the information is correct and it seems to be my account. Bank of America did not read my letter concerning the nature of my letter. Reporting a charge off on my consumer report is inaccurate information. I am not disputing with Bank of America whether this previous debt was mine or not. I am disputing with Bank of America that reporting a charge off on my consumer report is furnishing inaccurate information. I have sent Bank of America evidence of the meaning of a charge defined by the IRS. According to the IRS all charge offs over XXXX dollars is considered income. According to Eperian income is not supposed to be reported by any furnisher to any Consumer Reporting Agencies. This tradeling account at the very least must be reported as paid for less in my consumer report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX I received an alert from my Chime Mobile app that a pay anyone transfer for {$500.00} has been initiated to an unknown person. I immediately disputed the transaction and filed a police report and within 24 hours was told my dispute was denied. I again disputed this transaction and within 30 minutes it was again denied. This happened two more times and I don't know what else I can do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/ I applied for consumer credit to purchase a vehicle from XXXX XXXX XXXX XXXX XXXX. and was denied access to my credit. this is discrimination under 12 CFR 1002. also I was also informed in order to get approved, a down payment of {$40000.00} was required. In accordance with Title15 USC 1605, fiance charge is the sum of all charges and does not require a cash equivalent. In a consumer credit transactionI the property will be used by the natural person for personal family and household use. 15 USC 1602, I have a rite to credit. withholding my access to my securities is securities fraud and is in violation of Equal Credit Opportunity Act and Consumer Credit Protection Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have a {$1000.00} prepaid giftcard with American Express. I have tried to used the card at multiple sites online, and my card keeps getting declined at every single site, with pending charges of {$0.00} with these merchants with takes around a week to go away. The card even gets declined at big retailers such as XXXX I think it is absolutely useless to have this much money in a gift card for it to be declined everywhere. I would like my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: COLUMBIA BANKING SYSTEM, INC.
State: MD

Complaint narrative:
Financial Pacific Leasing ( FPL ) violated 12 CFR 1026.4 ( B ) ( 8 ) which talks about premiums for insurance against loss or damaged property. The GAP insurance on the retail installment contract is not included in the finance charge. This charge was added to the account after I signed the contract and was involuntary drawn ( ACH ) from my account in addition to Maryland Commercial Vehicle and Business Insurances being maintained. 
( FPL ) violated 16 CFR 433.1 ( f ) which mentions what a " contract '' is and that is between the seller and the creditor. The retail installment contract, nor Oral contracts, that is linked to account is not with Financial Pacific Leasing, they were with XXXX therefore there should be no obligation to pay Financial Pacific Leasing since XXXX was already paid on this contract. I am aware they call every year since I Indorsed for two vehicles, to see if im ready to Indorse another vehicle.

Financial Pacific Leasing violated 12 USC 83 which states no association shall make any loan on its own stock. ( FPL ) violated Maryland title 12 102 which states the maximum amount interest that can be charged is 6 %. Any rate above 6 % in the state of Maryland is considered usurious. On account we are contracted for 60 % of the total cost of Fair Market Value. The Vehicle was {$42000.00} and they would not finance me until I agreed to add to {$25000.00} to the Loan ( XXXX ), Orally. I assume the collateral security attached to this account was sold to Financial Pacific Leasing. Which Financial Pacific Leasing hired an attorney and repossessing the vehicle through the courts, when in reality the contract was paid through performance. I have a counterclaim in the Federal Courts as all my motions to vacate the judgement have been denied representing Pro Se. I attempted to settle the matter out of court, however I am at a lost at this point and damages are adding up daily as this vehicle is means of feeding my boys.Violating Title 42 USC 1983 under the color of Law. I was not made aware of our rights when doing business with greedy, manipulative people and companies. The Hardship I am experiencing is the Lesson. how do I standup to fraud? Read, there is an answer to how can you do this to me and get away with it!? Aware of the laws described herein my complaint and notice of rescission attached, bringing attention to the violations committed by Financial Pacific Leasing and XXXX to rescind only the illegal parts of this contract. They never responded, in lieu, filed a sue against me upon which they won as I was not served the legal documents upon which they are suing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/XXXX Equifax XXXX a credit inquiry from XXXX XXXX came to my notifications u have XXXX froze. I just froze XXXX and Equifax XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Bank : TD Bank, NA Loan : Mortgage Account Number : furnished upon request In XX/XX/XXXX, I had refinanced my mortgage loan with TD Bank as a conventional 30-year loan. It was not an FHA, VA, or USDA loan. Just a conventional loan held directly with the lender ( TD Bank ). Furthermore, it was never disclosed to me at the time of settlement that my loan was backed by XXXX XXXX of XXXX XXXX. 

In XX/XX/XXXX, I unexpectedly lost by job due to downsizing, thus significantly impacting my household income. Since XXXX, I have been paying my mortgage in full on a monthly basis, and continued to do so since XX/XX/XXXX. I have NEVER missed a payment, even through this time of loss of income, and am considered a customer in excellent standing. I have all of my deposit accounts, as well as an auto loan, with TD Bank as well. 

On XX/XX/XXXX, I called TD Bank and spoke with two associates - one in Home Lending and the other in their Financial Services Group ( FSG ). The associate in FSG was a supervisor. I inquired about mortgage forbearance and mortgage deferral to help me during this time of significant financial hardship. To my surprise, I was informed by both associates that my mortgage loan does not qualify for forbearance or deferral since it is considered an " investment based '' loan through XXXX XXXX. The only solution they offered was a potential loan modification, which is not an acceptable nor viable option for me at this time. I requested that TD Bank confirm my mortgage loan was conventional, however, they stated it was an " investment based '' loan through XXXX XXXX  instead. It was NEVER disclosed to me at the time of settlement, nor at any time during the lending relationship since XXXX, that my loan is backed by XXXX XXXX of XXXX XXXX. 

According to the CFPB website, federally backed mortgages ( which includes XXXX XXXX and XXXX XXXX loans ) are eligible for forbearance : https : //www.consumerfinance.gov/coronavirus/mortgage-and-housing-assistance/help-for-homeowners/learn-about-forbearance/ I am filing a complaint against TD Bank based on two reasons : 1. Their failure to properly notify me that my loan is backed by XXXX XXXX 2. Their decision to flat out disqualify me mortgage forbearance or mortgage deferral, since they classify it was an " investment based '' loan through XXXX XXXX, despite the fact that this type of loan is indeed eligible for forbearance, per the CFPB TD Bank failed to disclose significant information about my loan being held by them. Furthermore, they lied to me about being ineligible for forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: MIDFIRST BANK
State: GA

Complaint narrative:
We were charged legal fees on XX/XX/XXXX in the amount of {$1500.00}. We have been paying on that in the amount of {$50.00} per month. 
8 months later they started adding additional fees which is listed below We have extra fees being billed. 
XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX The only thing it says is Legal Fees. I want to know what these legal fees are for and they are not explaining this. It appears as if each month they are billing Legal Fees. This is unacceptable. Every time we inquire about this, they tell us they are investigating this matter and this has been going on for 3 months now. 

On XX/XX/XXXX we spoke with Midland Mortage and they indicated that these extra fees were related to the first Legal Fees of XXXX on XX/XX/XXXX and that XXXX XXXX was the one that instigated these additional fees. They advised us to contact XXXX XXXX. We did contact XXXX XXXX and they advised that there was a delay in filing the paperwork with the courts and that they sent a copy of what they filed to Midland Mortgage. There was absolutely nothing that Midland had to do other than open the mail. They did not have to file or sign any paperwork. 

We are paying additional money per month to the principle in order to pay the mortgage off sooner and it appears that since we have started doing this, now we are being billed additional 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