vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA

Complaint narrative:
XXXX-Good Morning : I went online today on my personal banking to pay mid month bills and noticed my balance was higher than it should have been. I searched for my Mortgage payment and did not see if on my XXXX XXXX  online account, XXXX XXXX XXXX XXXXXXXX  as well. I then went to my Citizens Bank Mortgage account and did not see my payment posted. I tried to call to see if there was a problem posting payment and the XXXX number provided on website was not available for after hours XXXX. I searched contact us and no secure message available or email to inquire on account. I was in a panic as I always make my appointment at month end for next months payment or on the XXXX. 
There was another phone number available for online questions, but both the automated system and the live person wanted my social security number, which I was not comfortable providing. So, did not get assistance and decided to make a payment so the payment would be posted on Monday XXXX XXXX. 
I have never that I can remember had a late payment on my Mortgage or had a payment made so late in the month. I did not receive an email regarding payment. I feel like the Mortgage Department should have after hours availability and you should be able to send a message or email them on the account. I have had issues signing on each Month, have had to make a phone call one month to make a payment as the online would not work and have had to change my passwords frequently. The online account constantly asks me to set up auto pay, which I have heard complaints about with this Bank. I am concerned about my access after hours and not being helped when you need it. I also think the online help should have access to the Mortgage accounts so they don't have to ask for my social number. It did not seem like this was a request they normally get. Your Mortgage account is very important and they should be available for issues which occur after hours for online banking. This bank does not have any branches in GA or throughout the US, so online access should be readily available. I will call on Monday, to confirm receipt of payment and advise of the issue and that I have filed a complaint with CFPB. I did receive an email confirmation, but it normally takes many days to post to my checking, which is another issue with Citizens. I make payments at end of Month to post on the XXXX of the month and it gets posted to my bank on XXXX or XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XX/XX/year>, I purchased jeans from XXXX. I paid bill on time, but they send me bills for late fees, continuing interest that I do not owe!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: SC

Complaint narrative:
XXXX has allowed incorrect collections in my account. The reported collection is not my collection. This is the third time in 6 months that XXXX allows the same collection to be reported in my credit report. Please remove the collection immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX has allowed incorrect collections in my account. The reported collection is not my collection. This is the third time in 6 months that XXXX allows the same collection to be reported in my credit report. Please remove the collection 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 non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Customer Service Department American Express XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Complaint Regarding Denied Claims and Unauthorized Charges Dear Sir/Madam, I am writing to formally lodge a complaint regarding two claims that were denied and subsequently debited back to my account. The original claims were filed in XXXX for several charges that occurred from XXXX XXXX. I explained during the filing process that I have never used XXXX XXXX  before. Additionally, there were multiple charges filed in different claims against XXXX and several other booking sites. 

Membership Number : XXXX Amex Reference Number : XXXX Amount : {$5600.00} Membership Number : XXXX Amex Reference Number : XXXX Amount : {$7800.00} A representative from American Express contacted me , stating they wanted to discuss the situation to protect " my interests and the interests of the business. '' During this conversation, I explained that the only possible scenario I could think of was that my card was left in my condo when it was rented out on XXXX. It is possible that a guest used my card information along with my XXXX which contains my email and other personal information. 

Despite my explanation, the representative did not consider my account and simply informed me that the charges would be reversed and rebilled. This has resulted in the following communication from American Express : " Dear XXXX XXXX, We are writing to you because you recently contacted us about a charge ( s ) on your account. According to our records, you provided your account number to a Merchant. By doing so, you are giving them permission to charge your account. Based on this information, we will not be able to handle this as a fraud dispute. Since we previously issued credit, we have removed this credit in the amount of {$5600.00} from your account. This adjustment will appear on an upcoming statement. If you wish to pursue this matter further, you should contact the Merchant directly. '' Due to this decision, my account is now almost {$10000.00} negative. This situation is both distressing and unacceptable. I reiterate that I have never authorized these charges, nor have I used the services in question. I am requesting an immediate reversal of these charges back to my account. 

If this matter is not resolved promptly and satisfactorily, I will have no choice but to pursue legal action to protect my rights and recover the disputed amounts. 

I trust that American Express values its customers and will act promptly to rectify this issue. Please contact me at your earliest convenience to confirm the reversal of these charges. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: EQUIFAX, INC.
State: MD

Complaint narrative:
A credit balance was maintained on the account to pay for the upcoming charges. XXXX XXXX XXXXXXXX claims a refund was processed and deposited into my XXXX XXXX XXXX account which was never verified. When I was made aware that the account was reported to be 60 days past due, I contacted the bank and disputed the late fees and the report. The bank still claimed a refund was deposited into my checking account which they were not able to verify. At this point they are reporting my account as delinquent to credit reporting agencies and holding me responsible for late fees. XXXX XXXX  XXXX has been in possession of over XXXX XXXX dollars, and they are still charging me interest and late fees. At this point they claim the funds were refunded to the state and I should claim the fund from the state. This is an unfair practice since they have had the funds in their possession all along and the only reason, they can provide is their accounting methods that resulted in a credit refund. I still have not received the refund in any of my bank accounts as it was claimed by the bank. Please help stop this unfair practice!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
My name is XXXX XXXX, XXXX, executor of my mom, XXXX XXXX account at citizens. XXXX XX/XX/XXXX. Sadly mom passed away XXXX and I called her local XXXX NJ branch and was told by XXXX XXXX my deceased sister was XXXX. 
Since XX/XX/XXXX I took over moms accounts and spoke numerous times with XXXX XXXX at XXXX XXXX XXXXXXXX. I was informed on multiple conversations that my sister and I were XXXX as my mom requested. My sister XXXX XXXX passed away XX/XX/XXXX and XXXX was notified, sent documentation, yet failed to inform me XXXX was the only XXXX on account. This oversight by XXXX now prohibits me from accessing moms account and forces me to go through probate and be charged 14 % tax for washington state. 
This omission of information by XXXX will cost me > {$10000.00} in probate tax, and violates my moms wishes that I was XXXX on all accounts. 

I appreciate a conversation to find remediation of this oversight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 2024-07-13 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: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX & XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Mercury Financial Intermediate LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, Mercury Financial ( Mercury Card Services ) received my payment of {$6700.00} via XXXX Registered Mail ( XXXX ). My payment was made as per my Credit Card agreement Payment Instructions and in compliance to 12CFR part 1026.10 ( b ) ( 4 ). To date, the company has not applied my payment to my account. I sent a follow-up letter USPS certified mail ( XXXX ), which the company received on XX/XX/XXXX requesting the company place my account in Billing Error Dispute Status as per 12 CFR 1026.13 for all past, present, & future bills until an investigation was performed, the issue was resolved, and my account was updated. I received correspondence from the company dated XX/XX/XXXX, requesting more information regarding the payment, which I provided a copy of the payment along with a follow-up letter that was received by the company on XX/XX/XXXX via USPS certified mail ( XXXX ). To date, the company has not placed my account in Billing Error Dispute Status as per my written request, which the company received on XX/XX/XXXX. In fact, the company reported my account as late to the credit bureaus for the month of XX/XX/XXXX, which is against the law. To date, the company has not applied my payment to my account, which is also against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This account has fraudulently appeared on my credit report without any notices or proving to me this is mine. I have been in contact with XXXX XXXX and even filed complaint with XXXX and still no resolution. Let me clarify, this does not belong to me XXXX XXXX # XXXX {$530.00} Collections. I have even attempted to dispute with credit agencies because the collection was never validated. XXXX and XXXX deleted from my files because the debt couldn't be verified or validated. In addition, I never received a notice 30 days prior to inserting on my credit. { By law, the consumer reporting agency shall efficiently provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller ). This was not done. Trans Union is the only agency reporting this erroneous information and the entity is saying " Verified '' with no actual evidence.

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 2024-07-13 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: FL

Complaint narrative:
Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Re : Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I noticed that you are reporting inaccurate information on my credit report and that you keep verifying this account when its clearly inaccurate. I would like to address this issue of this inaccurate account on my credit report. I followed your advice about contacting the collector. I sent them a letter and asked them to investigate. As of today they still have not responded to me. I thought they had 30 days to investigate and fix the inaccurate account listed. I dont know who to believe here. I know that the law protects my rights. Since the collector did not conduct their investigation, this account can no longer stay on my credit report. Please delete it right away. Im running out of patience and Im thinking about seeking legal advice on this matter and filing complaints if its not fixed. This letter serves as a DEMAND to remove these credit collections because you and the creditor were unable to validate this account with physical proof. If not, you will be hearing from my attorney that is ready to move forward with legal actions. 

Also, you have these hard inquiries on my credit report that do not belong to me as well that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education 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 2024-07-13 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: MD

Complaint narrative:
DEAR, EQUIFAX I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF FRAUD... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  IS THE FRAUD ACCOUNT OPEN IS XX/XX/XXXX ALSO A FRAUD ADDRESS NEED TO BE REMOVE FROM CREDIT REPORT. I HAVE NEVER XXXX XXXX XXXX XXXX XXXX MD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Statebridge Company
State: PA

Complaint narrative:
In XXXX, I purchased my home and my mortgage was issued by XXXX for XXXX. a HELOC was issued with the purchase for XXXX. I refinanced my home in XXXX, to secure a lower rate on the my mortgage through a company called XXXX for XXXX. see attached. A titled search was not completed during this process and the HELOC was not included in the refinance. In XXXX, XXXX XXXX XXXX was assigned the lien and attempted to collect the Outstanding Principal of {$25000.00}. see attached. I did not have the immediate funds and was forced to file for bankruptcy in XXXX. The lien was again reassigned in XXXX, to XXXX XXXX XXXX XXXX ( XXXX ) which also issued a demand letter for the payment of {$25000.00}. And is currently serviced by Statebridge Company LLC. see attached and also PLEASE refer to CFBP complaint # XXXX and XXXX. In XXXX, I attempted to refinance my home for XXXX, at a rate of 3.75 % with XXXX XXXX to settle this matter and finally put this decade old matter to rest but Statebridge Company LLC would not provide a payoff amount requested by XXXX XXXX underwriting or Attorney XXXX XXXX to which then a refinance could not be completed. 

The reason for this complaint is that I was again forced into a bankruptcy this year due to a scheduled sheriff in XX/XX/XXXX, to stay the sale, On XX/XX/XXXX, I applied for a grant through the Pennsylvania Housing Assistance Fund ( PAHAF ) and was awarded {$31000.00}, which was distributed to Statebridge Company LLC, in XXXX. I have since received two statements from Statebridge company with confusing and inaccurate description of what is owed. My current statement shows that XXXX, is still owed on the principal amount which in my opinion can not be possible. PLEASE HELP ME PUT THIS DECADE OLD MATTER TO REST

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HarrisLoftus, PLLC
State: VA

Complaint narrative:
On XX/XX/year> I discovered that I was being sued ( warrants of debt ) by Harris Loftus PLLC for debt owed to XXXXXXXX XXXX XXXX. I was able to obtain this information by searching on the Virginia Court Case Information Website. On XX/XX/year>, I contacted Harris Loftus PLLC to verify the debt. I was told by representative that the information had already been sent out to my old address. I explained that I had moved and I would like to have verification of debt sent to me at my new address. The representative declined and began to push me to make a payment. I explained that I wouldn't make any payment arrangement until the debt was verifiable and asked what type of payment arrangements could be made to settle debt. The representative said that the court lawsuit would continue unless debt amount was paid in full before court date and payment arrangements wouldn't stop the court proceedings. I again asked to verify debt and the representative declined. I hung up the phone. 
Harris Loftus PLLC has illegally tried to collect the debt by not properly notifying me of the debt and refusing to verify debt information. The company has also filed a lawsuit in secret regarding a unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: SC

Complaint narrative:
The debt being collected is not my debt or account. I dont owe money to XXXX. Not my debt or account. Wrong person/name. This collection agency is reported incorrect information to all credit bureaus.

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