vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I acquired new insurance in XXXX. The lender declined to pay the insurance with the Broker for XXXX XXXX. After multiple attempts by my broker to collect the payment for the new insurance, NewRez had stated a check was sent and payment had been made. In XXXX, I received a note from XXXX that my insurance was cancelled. This IMMEDIATELY made my home uninsured. This put my investment at risk BUT it also violated the terms of my mortgage- my lender decided to place their own insurance & have me pay for their mistake. 

I've been calling and dealing with this since XXXX. It is now XXXX, 2024 and I'm still working through getting this insurance corrected. My new balance now also shows an increase of XXXX due to their mistake. I've tried to contact NewRez on multiple occasions and continue to get half-answers and trasferred to other departments. 

My new payment of XXXX XXXX is set to start in XXXX and I have no way of making this increased payment amount due to NewRez 's error!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I purchased my primary home in XX/XX/XXXX for XXXX, I was in a pre foreclosure status and asked for assistance with my home payments in XXXX. They said there was nothing they could do, but once I hit a 90 day late more options for help would become available to me. For months I would fill out information to receive a modification and they would not assist. I then had to go to several mediation hearings, and take my income documents, etc. the same information I was mailing in. This went on for about 18 months, stressed and caused mental anguish. My income was high enough for me to go into a repayment plan or modification, but they kept denying all plans. I believe I was affected by miscalculations in their systems. My property was sold at sheriffs sale for XXXX at the end of XXXX. The home was valued at XXXX ( and has recently sold for XXXX ). I have lost a tremendous amount of equity due to the foreclosure. I was initially XXXX payments behind due to illness ; and just need help with a repayment plan. I have tried to contact them to see when and how much I will be awarded, and they last stated my loan can not be located, per my last call on XX/XX/XXXXXXXX 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 2024-01-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Sezzle Inc.
State: NY

Complaint narrative:
I purchased a XXXX costume from the merchant XXXX which totalled {$72.00} on XX/XX/23. To pay for the item, I used a third party Buy Now/Pay Later company called Sezzle. Sezzle issued me a XXXX card to pay for the item and I would pay Sezzle back in XXXX bi-weekly payments until the total is paid off. Unfortunately after receiving the item, I had to return it to the merchant. XXXX refunded me only {$53.00} because they charged me {$18.00} for a restocking fee which I don't have a problem with. The refund went back to Sezzle and they in turn would send me the refund. I made 3 payments to Sezzle totaling {$54.00} at the time the refund was issued to them. Sezzle refunded me {$35.00} and keeping {$18.00} which was the last and final payment I would have paid them had I not returned the item. I have been communicating with Sezzle by email requesting my full refund, but they refused to give me the remainder of my refund which is {$18.00}. Instead of them cancelling the last payment, they are charging me because they want to be compensated for the restocking that the merchant charged me. I feel I shouldn't pay for an item that has been returned and I would be paying the restocking fee twice. I've dealt with other 3rd party companies before in which I've returned items and gotten a full refund. Please help me get the rest of my money. Sezzle has probably done this kind of business to other customers and that's wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 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: Incomm Holdings Inc.
State: CA

Complaint narrative:
I have purchased a total of XXXX x {$500.00} visa gift cards from Incomm which do not work anywhere. I have contacted Incomm about this issue and they stated they pushed out a software update over the holidays, which may have affected my cards. They did not offer any type of resolution for how I can actually use the cards, other than to " keep trying at other merchants ''. This is absolutely unacceptable to me, as I can not use these anywhere at local stores or online, places I have been able to use these cards for years. These cards at the time of purchase were advertised as able to use anywhere, however, I am unable to use them anywhere. This is most certainly a breach of contract by Incomm, providing faulty merchandise, and altering the terms of use of my cards after my purchase. I am requesting a full refund for these cards along with the purchase fees for every card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX I went to Citibank to open a business account under XXXX XXXX XXXX XXXX XXXX which wasn't a problem until I bought XXXX through the account which I didn't know was a breach on their system. Then I received a letter from their Fraud Department saying my account is being closed 30-60 days from the date of the letter. Well I contacted them and pleaded with them that I didn't know I wasn't supposed to do that and they didn't care and said I would get a check in the mail for the amount in the account but in the meantime I checked my account and one of my investors put {$6000.00} into an account that I was told was closed. Then I went to the branch office and spoke to the bank manager and he called the Fraud Department and pleaded with them to let him give me the check for the full amount and they said no, I will be getting a check with the full amount of the account. It's almost a month and I'm afraid that Citibank is holding my money hostage and is taking its sweet time sending me the check. I really need this money for my business and I hope you can solve this problem.

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 2024-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I had added autopay to my account with a previous individual. One month I got a notice that my payment hadn't processed. I called and they said there was an issue with the account and that my autopay hadn't processed. I went into the account and manually processed the amount and a late fee was applied. When I called the agent- they're trying to put me through a separate setup for autopay. It's all VERY CONFUSING because none of the autopay issues seem to be directly my fault- as the autopay for some reason from the first encounter was never applied. Yet, when I went in to pay - everything was there for it to be processed. 

See notes for current issues in attempting to setup autopay and bi-weekly payments. I've been having issues since my loan was transferred to NewRez. Everything was fine before then. 

My credit & my equity have been significantly affected since the forced switch of lenders

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
Kohn Law Firm S.C. placed an adverse entry onto my various credit reports. Kohn claimed to have purchased a debt owed to XXXX, although the age and amount of the alleged debt was wrong. I disputed the entry and Kohn responded by making changed, which were still not correct. Please sanction this debt collector for its fraudulent reporting to XXXX, XXXX or XXXX & bad faith demands for payment, which violate debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: FL

Complaint narrative:
In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number # # # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number 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 Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX Account Number XXXX XXXX XXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX Account 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 2024-01-03 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Act Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 USC 1681 Section 602 A states i have the right to privacy.

15 USC 1681 Section 604 A section 2 states consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 Section c ( a ) ( 5 ) 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 7 years XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number 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 Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX DEPT OF ED/XXXX  Account Number XXXX XXXXXXXX XXXX XXXX XXXX, XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXX  Account 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I have called numerous times about this issue as well as sent more than XXXX letters on the topic ( sending a XXXX letter this evening ). XXXX approved a forbearance on my mortgage during XXXX in XXXX and payments started back XX/XX/XXXX. In XXXX of XXXX, XXXX tried to double my escrow thus increasing my mortgage by several XXXX dollars per month. I inquired with XXXX regarding why my escrow was so short but they refused to answer. Eventually, I presumed that the escrow owed during forbearance was being added back to my account ( although this did not happen on my other mortgage, I think that it was pushed to the end of the mortgage instead ). Regardless, they never provided an explanation so I continued to pay the correct amount due while satisfying my taxes & insurance myself ( paid both in full ). So ever since XXXX of XXXX to date I have made the correct mortgage payment and in XXXX, I paid full taxes and insurance ( on top of my mortgage payment ) to compensate for the missing XXXX escrow caused during forbearance. On XXXX occasions, XXXX lost my payment and I had to resend the payment. Around XXXX of XXXX, my loan was sold to SPS and they have refused to adequately investigate this issue. They are still claiming that I am a full month behind on payments yet there was no where near a XXXX XXXX delta in escrow between the XXXX and XXXX years thus this can not be correct. I am being requested to make another full payment and I'm being charged late fees and being mistreated through this whole ordeal. I hope that you can provide some assistance to finally get this resolved and force SPS to adequately correct this error on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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:
I SENT LETTERS IN FOR TRANSUNION TO DISPUTE UNRECOGNIZED INQUIRIES THAT I DON'T HAVE NO ACCOUNT ATTACHED TO THAT INQUIRIES, I ASK THEM TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT AND THEY STILL HAVEN'T REMOVE THEM. 

PLEASE REMOVE THESE INQUIRIES 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 explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I work for the XXXX XXXX  and earned a student loan payment incentive for a net amount of {$8400.00}, which was paid to nelnet on XX/XX/XXXX. On XX/XX/XXXX, nelnet posted XXXX payments on my account for {$5200.00} and {$230.00}, totalling {$5400.00}. The other {$3000.00} was missing. I waited until XX/XX/XXXX to call and spoke with a representative who indicated they didn't know which of my loans I'd want the other {$3000.00} applied to so they didn't apply it ( or contact me to find out what loan to apply it to ). During the XX/XX/XXXX call, the worker filled out a form E and requested my {$3000.00} be applied to my highest interest rate group and informed me they would process that and allocate the payment. On XX/XX/XXXX I called again. The worker indicated an E form was submitted on XX/XX/XXXX to reflect where to apply the rest of the payment. The worker indicated it would take up to 6 weeks to be finalized from the XX/XX/XXXX date. The worker did not understand my questions about getting additional credits towards accrued interest in the time that it took Nelnet to apply the large payment they should have applied on XX/XX/XXXX with the rest of the money they received ( as of today 's date, XXXX weeks of accrued interest on {$3000.00} ). 


There is still no resolution and its been over 8 weeks since I placed the call on XX/XX/XXXX. I want my {$3000.00} payment applied and back interest for the XXXX weeks of capitalized interest on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: January Technologies, Inc
State: TX

Complaint narrative:
About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called XXXX. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a January Technologies from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from XXXX although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to XXXX in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. XXXX has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of Identity theft. I found numerous accounts of my report that were not open by me. This has been hurting me as I am in the process of purchasing a home for my family. Please remove from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc
State: TX

Complaint narrative:
About 3 months ago I started receiving text messages about a debt that was owed for an installment balance from a company called UPLIFT. I completed payments on an installment account back in XXXX of XXXX. I had not heard anything from this company since my last payment in XXXX. In XXXX of XXXX, I began getting text messages from a XXXXXXXX XXXX from a Solutions Specialist named XXXX. I had never received a text from a debt collector, so I brushed it off as SPAM. The first email I received was XX/XX/XXXX, which I replied to XXXX and asked her what this debt collection was regarding, this representative did not reply. I got another email in XXXX of XXXX and followed the link to which it showed there was a balance from UPLIFT although this account was paid in full in XXXX of XXXX. I have my XXXX and my XXXX report that both verify the amount and payment was complete in XXXX of XXXX but XXXX says it was transferred in XXXX. At this point it is illegal to sell my information and report inaccuracies after the account was paid in full. This account was not charged off and should not have been sold without the company first reaching out to verify any additional payments. I sent a request to Uplift in XX/XX/XXXX asking for information and was told I no longer had an account with them so they could not help me. Uplift has illegally sold my information on an unverified account. This creditor has illegally reaged my account from XXXX. I have disputed this information and sent emails to both companies as this sell of information was illegal and not within limitations of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
PayPal debited my account for unauthorized charges. I do not own a PayPal account or authorize any charges. The account created is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief