vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Applied Data Finance, LLC
State: AL

Complaint narrative:
There is a address listed that is not correct. XXXX XXXX XXXX  XXXX XXXX  XXXX, New York XXXX is not an address i have lived at. I have lived in XXXX  for XXXX  years. I am XXXX there is a club activity that i have not joined. Was made by applied data finance on XX/XX/19 i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am upset about things I still see on my credit report that does not belong to me I have disputed these items and they have came back verified and I requested that they send me the information that they used to verify these items and it has been over 60 days and I still have not received the information I requested.

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: GA

Complaint narrative:
Well I see funds but how ever just telling me that I have XXXX $ But send me checks blank. But won't give approval nu! bet and told me I don't have a account with XXXX XXXX  but my banks stated diff

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN

Complaint narrative:
Submitted mortgage assistance request with financials XX/XX/2020 to Select Port Folio.  Received mortgage assistance denial XX/XX/2020 from Select Port Folio. I feel my mortgage servicer did not review my request for help and they are not following the CFPB guideline for mortgage assistance requests. The documents received from my mortgage servicer with the denial notification stated I had 30 days to appeal the mortgage assistance denial. My property is set for a foreclosure sale XXXX XXXX and I was not given the 30 days for the appeal process to be completed. Spoke with XXXX Select Port Folio Supervisor in regards to this foreclosure and the mortgage assistance request she informed me that the mortgage assistance appeal was being reviewed, but they had not post pone the property foreclosure sale. Why is the foreclosure still pending and the mortgage company has not finalized the processing of my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
The credit bureau failed to provide me with a proper investigation as well as provide me physical proof that the account I disputed was my account. 

Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETED all information which can not be verified Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPT OF VETERANS XXXX Account Number : XXXX Please resolve this issue as soon as possible, thank you

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 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
see attatched USAA FRAUD TRANSACTION LETTERS dated XX/XX/XXXX XXXX {$210.00} XX/XX/XXXX XXXX XXXX {$120.00} USAA CUSTOMER SERVICE SUBMITTED THESE AS FRAUD XX/XX/XXXX. WHY? WHY? THESE ARE RETURNED GOODS PURCHASED XXXX AND PAID ** BY MERCHANT XX/XX/XXXX ** BEFORE CLOSING DATE OF XX/XX/XXXX STATEMENT. see attatched XX/XX/XXXX statement. ** THERE ARE NO USAA CREDITS TO REVERSE. I DID ** NOT REPORT FRAUD ON THESE RETURNED ITEMS EVER! USAA REVERSED ONLY CREDITS ON ACCOUNT MERCHANTS {$340.00}. PAID XX/XX/XXXX. ( ** THIS RESULTED IN ** UNEARNED FRAUD REVERSED CREDITS. ) See attatched XX/XX/XXXX STATEMENT. IT CONFIRMS TRUTH. This created NEW PURCHASES ON XX/XX/XXXX. ** I DID NOT PURCHASE WHAT I RETURNED!! USAA OWES ME THE {$340.00} FROM XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I own a XXXX XXXX  and I have a credit card with Bank of America. Merchants have credited my card on 2 separate times, XX/XX/2020 and XX/XX/2020. The credits are not posted to my statement or account online or on a mailed statement. 

I have contacted Bank of America credit card customer service twice in XXXX to inquire why the merchant refunds to my card are not showing up. The last time that I called was today XXXX. Both times I have been told by the bank customer service person that they see the merchant credits and they should be on my statements BUT they will not transfer to my statement for some unknown reason. The customer service rep could not tell me what my actual balance is nor could she point me to an accurate bank statement. On both occasions, the bank representative escalated to a supervisor who admitted this was a problem but there was nothing she could do about it except contact their Information Technology department and hope someone in IT could resolve it. There was no ETA given. The total amount of these charges is {$1100.00} but I have about another {$6000.00} coming from various merchants as I run a travel agency and these are credits for cancelled trips due to Coronavirus. The customer service agent, XXXX and her supervisor, XXXX, could not give me any advise except to hope that this can be fixed at some time in the future on the call today. Neither would give me someone else that I could contact to help get the situation resolved.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: WA

Complaint narrative:
I received a letter today from Sequium Asset Solutions informing me that I owe XXXX {$260.00}, with no information on the nature of the charges, and threatening me with a negative credit report to three bureaus if I do not comply. 

When I called the number that the letter directed me to call for next steps, no one picked up. 

There are two issues : 1. I did not receive any prior notice that XXXX is alleging I owe {$260.00}. I have received no information from the XXXX, the debt collection agency that they are using, Sequium Asset Solutions, nor have I been informed of any process I can engage in to receive that information or contest the debt. 

2. I do not agree that I owe the charges. I closed out my account with XXXX when I moved from my previous home in XX/XX/2019. I spoke with a XXXX agent on the phone who confirmed that my account was closed and that all charges were paid. I have received no notice or information from XXXX or Sequium about the nature of the charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc.
State: MO

Complaint narrative:
Today XX/XX/2020, I received a debit collection letter in the amount of {$35000.00} for an organization ( XXXX XXXX  XXXX ) that I have never had a loan with.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
I have made several calls during XX/XX/2020, asking for help. I learned about forbearance option, 3 months, then I " would have to pay a balloon pymt at the end of the 3 months timeline! '' Through XXXX, I called numerous times wanting to talk to someone and was put on hold for ever and ever or was disconnected while being transferred to loan mod dept, and some of the CSR 's were horrible, totally not interested in helping, bored negative attitude, not into their jobs obviously. I told the 3 or 4 diff CSR 's " you can't do that and who will have that large amount of money to be able to pay a balloon after forbearance timeline? '' I also asked a few times to speak to someone re : loan modification ; and was told every time to go their web and fill out a form and was also told I " must go through forbearance plan first before a loan mod can be considered. '' What Freedom Mtg does  not tell you is that both forbearance or doing a mtg loan mod would blemish/damage your credit and that doing a forbearance would then force you to having to stay with them for another 12 months. Also I am upset because their web specifically asks for your complete SS # in order to setup your on line mtg. account ; they should already have my complete SS # plus I refuse to provide my entire SS # and address, etc, on their web, which is a great start opening the door up for identity theft to occur because they would see my entire SS #, my address, etc. NOT!! I hate Freedom Mtg : have read a lot about them since virus stayinplace lock-down and everything I've read is not good, very negative stories re terrible mtg service ( even before the virus ) with Freedom Mtg. Also had a ph appt scheduled today ( 3 days advanced scheduled ) XX/XX/XXXX at XXXX EST, was told either of two ( 2 )  refi experts would call me, waited all day, no one ever called me nor did the mtg scheduler, return my call when I called her at approx XXXX ; XXXX EST. ( I will provide a copy of our email dialog re my appt scheduled. TY

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 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I took out a loan in XXXX. I am elderly and only get {$390.00} a month for Social Security. I have been making payments when I can but I can't pay the {$240.00} payments they want, so every month I call and make arrangements to pay {$100.00} a month which is affordable to me. The company knew when I signed up that I only get {$390.00} a month! This month has been bad..I have had the " flu '' and forgot to call them! When I did call them the lady on the line was very abrupt with me and assured me that this debt would be sent to a COLLECTION AGENCY..no ifs, no ands, no buts. She didn't even make an effort to help me!! Then, imagine my surprise when I check my bank account and find that I am NEGATIVE {$880.00}!!! 
All because this company decided to suddenly collect all the money I couldn't pay on the loan.. So..now, not only do I owe the loan company but I owe the bank all this money now too!! PLEASE PLEASE PLEASE help me!! I don't have any paperwork because everything was done online!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
In order to refinance my current mortgage, I have been asked to provide a copy of the HELOC Loan Agreement I have with Wells Fargo. I am not refinancing the HELCO, but keeping it open. Regardless it is a debt that I need to declare to refinance. I have repeatedly over several weeks asked by email and phone for Wells Fargo to provide a digital copy or to mail me a copy. Repeatedly they open cases and submit requests to get the paperwork sent to me and I have to date received nothing. I am now at the end of my rate lock period and this one document remains outstanding. I am extremely displeased with the lack of professionalism and incompetence within Wells Fargo that holds up sending out a document for a Loan which I am NOT looking to cover in the refinance. I have told them this. Regardless, that is my decision and whether Wells Fargo wants to retain my loan servicing or not they have no right to delay providing copies of the loan agreement. Regular monthly statements are posted on my customer page, why is this so hard for them to provide a simple document which I know they must have?

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 2020-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Professional Credit Analysts of MN, Inc.
State: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. 

PROFESSIONAL CREDIT Last reported XX/XX/2020 {$2400.00} in a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine.

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.

3. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond. Failure to respond in writing, hand-signed, and in a timely manner, will be considered a waiver to any and all of your claims in this matter, and will entitle me to presume you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof,
or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Hello - Hope you are staying well ... .this is a follow up to CFBP inquiry # XXXX ( both inquiry and response are attached ). The initial inquiry had two requests, only one of which was answered. 

I am requesting that Citibank confirm or deny that I have met the terms of each and every agreement with respect to the Citi AAdvantage credit card program and any promotions associated. To be clear, I am looking for clarification from Citi on the relationship between Citi and myself, and NOT involving XXXX XXXX. If there are violations, can Citi please provide examples of where I violated the agreements between Citi and myself?

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 2020-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NV

Complaint narrative:
on XX/XX/2020 spoke with XXXX, Refused to provide collector ID, Also called me another persons name from another account she was on while she was speaking with me, she also than proceeded to tell me that she had 3 people on the line as she verified the account info, I asked for a Verification of Debt letter, She refused to send me one, said that one had been sent, she read me the address they had on file, I advise that was not my information, she than rudely placed me on hold and transferred me to a supervisor who was ever ruder.

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 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
This is the request to reopen the investigation : XXXX XXXX  XXXX about the fraud made in my savings account, where from XX/XX/2019 to XX/XX/2019 a total of {$17000.00} USD was disbursed  through XX/XX/XXXX XXXX XXXX machines in several transactions during this period of time. 
The claim today is for the remaining {$8500.00} USD that is still outstanding as a result of the transactions made to my account from XXXX to XX/XX/2019. CITIBANK returned the transactions made from XXXX through XXXX covering the amount of {$8500.00} USD but does not want to recognize the outstanding amount of the other half ( {$8500.00} ) from XXXX through XX/XX/2019. 
Transaction Date / Amount XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} XX/XX/2019 {$500.00} Note the date of transactions, those violated your rules about the maximum transactions per month allowed for a savings account, without any security action from you. 
CITIBANK concluded that these transactions were authorized by me, which were not, and XXXX XXXX XXXX shared documentation to the bank that looks like I authorized these transactions. 
These ID documentation are fake and obviously are not related with my actual identity and must not been used to. 
I have verified, to CITIBANK, several times through correspondence, telephone and in person in your offices in XXXX, FL, that these documents ( by the impostor ) are false and cant be even considered under any circumstances, proof of my real identity. CITIBANK asked me to contact the company XXXX XXXX XXXX to collect the remaining balance which is still owe to me ( {$8500.00} ). Even knowing that I dont have any relationship with XXXX XXXX XXXX, I contacted them ( XXXX XXXX XXXX ) to make the claim and they send me back to CITIBANK, indicating that CITIBANK is still responsible for this refund. 
XXXX XXXX XXXX are open to be contacted by the bank to continue with the investigation. 
As a CITIBANK client for more than 10 years, I hope you will be more responsive for this claim. We have proof once and again that the ID document originally sent by XXXX XXXX XXXX does not match with my real/actual documentation registered in your records.

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My credit report states that a Kohls Department Store was opened in my name on XX/XX/XXXX and states Account charged off. {$430.00} written off. {$430.00} past due as of XX/XX/XXXX. I filed a dispute with XXXX  and the dispute is stated it was updated. When I asked Kohls information on this account, I have heard nothing back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
https : XXXX This says it all. They are out and out a loan shark company no doubts yet CA allows them to charge 140 % in interest according to a lawyer total plus XXXX $ a day. You can never pay them back by payments. I paid over XXXX $ a month my and bill is bigger then ever. It does no good to contact them at all.

Company response to consumer: Closed with explanation