vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I purchased a refrigerator from Home Depot in XX/XX/XXXX. At the time, the store clerk offered me 0 % interest for one year if I opened a Home Depot credit card. I agreed, met the credit requirements, was offered a credit card account, accepted that offer, and then purchases the refrigerator on the newly-created Home Depot credit account. I then set up automatic minimum monthly payments and set a reminder on my personal calendar for XX/XX/XXXX ( when I was told the promotional rate would expire ) and then checked statements and the account to ensure payments were being made correctly and on time. After several months, everything was working fine. I still continued to ensure payments were being made, but had no correspondence with Home Depot ( other than statements ) and made no effort to reach out to them because I saw minimum payments were being made. In XXXX, after the reminder on my personal calendar, I logged in to find that interest began accruing on my account in XXXX ( 6 months before I was told it would ). I contacted Home Depot customer service and have spent several hours with them on the phone as they attempted to simply connect me with someone who had the capacity to adjust my account to match the original terms of the agreement. The customer service representatives have told me that they can only make adjustments back for 2 billing cycles, and since I waited longer than that, they can not help me ( note that the promotional periods are in 6 month increments, and there is no explanation why Home Depot has this constraint ). They have also said there is no number I can call other than the general customer service line to avoid longer wait times. 

I have made several attempts to resolve this through the secure message feature on Home Depot 's account website, as well as either answering or calling customer service on at least a dozen occasions. Home Depot has made no real effort to address my concerns, and at this point has reported my account as delinquent with credit agencies. I think this constitutes defamation and is impacting my ability to engage in business activities for a sole proprietorship I own. My credit score has been above XXXX, and often over XXXX, until this dispute.

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 2023-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Torriere Holdings INC
State: CA

Complaint narrative:
i received an email from a corporation, SPIRE RECOVERY SOLUTIONS LLC with a letter enclosed dated XX/XX/2023 in an attempt to collect an alleged debt in the amount of {$4500.00}. i refuse to pay. SPIRE RECOVERY SOLUTIONS LLC shall not communicate with me in any attempt to collect a debt -- that's directly or indirectly. Indirect communication includes reporting on any of my consumer credit reports. Within 10 days of receipt of this complaint, i am demanding that SPIRE RECOVERY SOLUTIONS LLC sends me the arbitration clause of the company where SPIRE RECOVERY SOLUTIONS LLC received my information. i feel very afraid of this PERSON, SPIRE RECOVERY SOLUTIONS LLC for having my personal information that was not given to SPIRE RECOVERY SOLUTIONS LLC by me. Immediately remove this alleged debt from my consumer profile, if listed. As well, the only communication SPIRE RECOVERY SOLUTIONS LLC is to have with me is that to let me know SPIRE RECOVERY SOLUTIONS LLC is no longer pursuing collecting this alleged debt and promptly send to me ( via the CFPB portal and regular US POSTAL mail ) a copy of the PERSON or PERSONS where SPIRE RECOVERY SOLUTIONS LLC obtained my personal information and the PERSON 'S or CORPORATION 's arbitration agreement or arbitration clause, and send me any personal information of mine that SPIRE RECOVERY SOLUTIONS LLC has within 10 days of receipt of this complaint. SPIRE RECOVERY SOLUTIONS LLC is forbidden to use any information to collect an alleged debt nor sell or transfer of any information SPIRE RECOVERY SOLUTIONS LLC has obtained of mine or any information that SPIRE RECOVERY SOLUTIONS LLC will obtain of mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has denied my claim against a company called XXXX. They offer a land acquisition course and the ability to submit and partner with them on residential development land acquisitions. The problem occurred when I went through the courses and researched and submitted a land deal and was finally told almost a month later after several inquiries with the company as to whether they had received and reviewed my submission that they don't do deals in California. When I signed up the company knew that I was in California. I have been in XXXX XXXX for over 20 years and don't take investments into furthering education courses lightly. I know that these investments in education can produce great results as far as a return on your investment by gaining valuable knowledge. However, to be casually told after little to no response during the month after the submission that they don't want to work with California deals was shocking and stressful. The course cost {$15000.00}. XXXXwo transactions, one for {$9900.00} on XX/XX/2022 and one for {$5000.00} on XX/XX/2022. 
BofA has a dispute dept that closes each day at XXXX EST. You are only allowed to fax in proof of your claim, which I did. You are not allowed to speak or email directly with the dispute department ever. You can only call a Customer Support number which then will send notes over to the dispute department. BofA said that they denied my claim because the company provided the services that I signed up for and they closed my claim twice and now have marked it as resolved. This is no where near solved and the company didn't provide the services that I signed up for. I have been a customer with BofA for over 30 years and there is no protection and very little investigation into this claim on my behalf by BofA. $ XXXX is not chump change. It's significant and my investment of time and money has been completely disregarded and dismissed very casually.

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 2023-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: HI

Complaint narrative:
A lawsuit or settlement is likely to be pursued in U.S. District Court, in The Hawaii XXXX in XXXX, Hawaii. 

The debt collector for federally gaurunteed debts, XXXX, wrote a fraudulent check in my name suggesting that I signed it and attempted to submit it as an electronic payment. This check would have deducted {$500.00} from my checking account where I only receive disability payments from the VA as I am rated as permanently and totally XXXX. 

The debt collector by contract and law has to review and take into consideration all circumstances while collecting a debt, to include a person experiencing financial hardships who is permanently and totally XXXX only reveiving income from one source for disablility. 

Furthermore, the debt collector is required to get a verbal agreement over the phone to process a payment in order to collect a debt in the form of a " check '' and disclosures must be read, accounts must be reviewed. 

The debt collector outright submitted a check that I did not sign. If this check # XXXX were to have cleared my account, my wife, my XXXX XXXX XXXX daughter, my XXXX XXXX XXXX daughter, and my XXXX XXXX XXXX daughter would starve to death and I would not have electricity in my apartment. My infant child is going to go through XXXX and will need Durable Medical Equipment in the home that requires electricity. Without electricity, it is not possible to do so. All my food would spoil and we would not have anything for the month to eat, all because someone at TSI wrote a fraudulent check and signed it in my name without following the company policies, which could dictate by law fraud as apart of this lawsuit. These are very real circumstances and I can prove that they are real. 

The debt collector did it without my authorization. The last conversation I recall with the debt collector is that I would do it online at my convenience. I never set the payment up online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have contacted Experian XXXX and XXXX multiple times letting them know the account in collections from XXXX XXXX XXXX Original creditor : XXXX needs to be removed. It was satisfied and they agreed to remove the debt once satisfied. Years after resolution the negative trade line has yet to be deleted.

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 2023-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the repossession and sale of my XXXX XXXX XXXX XXXX. I never received any notice that the vehicle was going to be sold, which is a violation of my rights as a borrower. 

According to the Uniform Commercial Code, a creditor must provide a borrower with notice of the sale of a repossessed vehicle. The notice must include the date, time, and place of the sale, as well as a description of the vehicle and the amount of the sale proceeds. However, I did not receive any notice of the sale of my vehicle. 

Because I did not receive notice of the sale, I was unable to attend the sale or bid on the vehicle. As a result, I was not able to protect my interests in the vehicle. 

Below I attached a screenshot of a letter that was uploaded to the documents portion of my online account. Only the notice of intent to sale was uploaded and sent. I was not made aware of the actual sale date, time and location.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX, has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy. 15 USC 1681 Section 604 A Section 2 it states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor can not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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 am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX  XXXX Credit Card Account # XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states " I have the right to PRIVACY '' 15 U.S.C 1681 section 604 A. section 2 : It also states " a consumer reporting agency can not furnish an account without my written instructions '' 15 U.S.C 166b " a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

15 U.S.C 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS : Except as provided in paragraph, the term consumer report does not include -- ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are TransUnion, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

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 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, Equifax and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX is in clear violation of this law. XXXX is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. XXXX has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Zales Jewelry is reporting my late payments to third parties agencies which in this matter are the three credit agencies which are XXXX, XXXX and XXXX. Pursuant 15 U.S. Code 1666b - Timing of payments ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Zales Jewelry is in clear violation of this law. Zales Jewelry is also reporting my transactions or experiences which is another violation of the Fair Credit Reporting Act 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term " consumer report '' does not include ( a ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; which in this matter is my Utilization. Zales Jewelry has been my causing my family and I huge distress by reporting these items on my consumer report with its negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according I 15 USC 1681 ( 5 ) : I waited 30 days and received my investigation and notice everything was still the same. The consumer reporting agencies which is XXXX. experian. and XXXX did not modify or removed anything. 
The date open are not correct, date last active are not correct on all three credit reports, date of last payment is not correct on all three credit reports Which is a violation. This is impacting me from moving forward to buying a house for my family, Buying a car and getting business loans for my business. 
These are the following accounts that were not removed. 
XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX Account # XXXX. 
XXXX  XXXX XXXX  Account # XXXX. 
XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX  Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX XXXX XXXX Account # XXXX. 
XXXX XXXX  Account # 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 2023-04-29 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:
- I am requesting a proof validation of the debt you say I owe. Knowing my rights Under the Fair Debt Collections Practices Act ( FDCPA ) please be advised that this letter is a request that you stop any and all collection activities pursuant to the Fair Debt Collection Practices Act. If you can not verify and provide me with the data proving these accounts were mine. Remove them immediately.

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 2023-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
This mortgage complaint includes my prior complaint with XXXX and XXXX XXXX XXXX for XXXX XXXX XXXX XXXX, fake Trust. Im mentioning this as on ongoing fraud. 
I'm fighting an illegal foreclosure based on fabricated documents. The court agreed with me 2 x prior, but they keep filing with the same faulty information. Now a new servicer which is Fay Servicing LLC is involved.

I believe Fay Servicing is not following appropriate guidelines of the Federal Truth in Lending requirements in their billing practices. Every month they add thousands of dollars to the monthly total payoff. I am the probate administer for my mother 's mortgage and the house I own facing foreclosure. They have added $ XXXX with no explanation. I am including my Federal Truth in Lending original buy out amount of {$260000.00} and what they are charging now with their monthly statement of {$300000.00} for XX/XX/XXXX. They are also charging legal fees when the case has not yet been finalized. Fay Servicing has been sanctioned and accused of egregious behavior. Berry v. Fay Servicing , LLC, No. 21-8005/8007 ( B.A.P. 6th Cir. Sept. 9, 2022 ). They have not supplied the three-default insurance original policies payoff I demanded as probate administer which should have paid of the mortgage. These are PMI, Federal Private Insurance, and Risk Sharing Insurance claim number XXXX and the company was XXXX XXXX XXXX. There has never been a note.The Florida Supreme Court remanded the requirement of filing original note on inception which never has been done to this day. 
Nationstar V Faramarz. 

XXXX XXXX

Company response to consumer: Closed with explanation