vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/ I received letters in the mail that five of my credit card accounts had been closed. I phoned the company, Citibank, and requested information as to why the accounts had been cancelled. The representatives refused to give me any information and told me that, as the letters described, I needed to request the information by mail. I sent such a request. As of now I have not received the information. I am XXXX XXXX XXXX XXXX  The card cancellations with no reason are a significant challenge for me, especially at this time of year. The refusal to communicate by phone I find difficult to understand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: AZ

Complaint narrative:
I received a month ago my first notice of collection from Credit Collection Services in XXXX MA claiming I owed {$200.00} to XXXX XXXX, my FORMER auto insurer for the year XXXX. 

I was insured by this company through XXXX XXXX XXXX XXXX XXXX, and in XXXX of XXXX  I requested quotes through XXXX from this company -- along with several others -- for the year XXXX because XXXX was charging an extraordinarily high rate for a good driving record. None of the information CCS provided to me indicated what the charge was for, or even the year, and knowing that I did not automatically renew my policy from XXXX ( I sent an email to my insurance agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  letting her know that I was no longer going to use XXXX or her agency ( i received a better rate through XXXX ) ) that I was not going forward with them -- and instead went with a better policy for less money for XXXX with XXXX XXXXXXXX, Since XX/XX/2022 to today, my automobile has been registered in Arizona with XXXX XXXXXXXX as my insurance policy. And because I an excellent driver, I've not needed to file any claims. 

I am filing a complaint against XXXX XXXX with the Arizona Department of Insurance, and forwarding this complaing information -- along with details on Credit Collection Services false collection claims -- to the Arizona Attorney General 's office. 

Poor bookkeeping and communications skills in corporate America does not justify causing inconvenience to consumers. They need to get their act together.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: Lockhart, Morris & Montgomery Inc.
State: CA

Complaint narrative:
Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Hello I am a victim of identity theft, I have no recognition regarding these fraudulent accounts. As I was looking over my consumer report, I noticed all these accounts that were not mine. I rarely check my credit report and now Im noticing all of these fraudulent accounts. I even hired an attorney to help me with this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account type FHA Mortgage Company reported mortgage payment 30 days late even thought payment was withdrawn processed.Also my account is on auto pay.I was alerted by XXXX of the 30 day delinquency and called the company they indicated there was an error and they sent back the payment.There only resolution was for me to pay manually and pay late fee.This has has to be illegal I've had my mortgage since XXXX  and not have one single missed/late payment because have my auto payment set up.They referred me to contact the credit bureau instead of address the issue directly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Wells Fargo allowed someone to garnish my account without any notice to me and froze it. They took all of my money i.had in my checking account. It was around {$1600.00} and would not pay me back for that or any fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My husband died last year ( XX/XX/22 ) from a long term series of health issues. He was XXXX. When he first purchased our home, he was the only name on the mortgage and later the HELOC he took out to do many home improvements. I was added to the mortgage a few years later and then after he fell ill, he borrowed money from the HELOC again, taking it back up to the original XXXX limit. It had been paid down to around XXXX at that time. The paperwork for this second HELOC withdraw was done while he was in the hospital, I was added to the paperwork at that time. And I did sign it. I was also told earlier that day that my husband needed XXXX XXXX from a XXXX XXXX he was fighting and that I needed to call family and friends. I was not aware of the terms of this loan, and at the time the interest rates were affordable and we could pay more than the minimum. He ended up in a XXXX XXXX for a month, he held on for maybe another 5 yrs. He died in our home in front of me from XXXX XXXX XXXX. He left me with no life insurance or any sort of investments or retirement fund. I am XXXX and spent most of the last 30 yrs being a full time mom to an adult on the XXXXXXXX XXXX who is now an independent and amazing adult. Working outside the home would have been impossible while our son was growing up. I was and still am his advocate, its a full time job and it doesn't pay well at all. 

Since my husband passed the interest rates have skyrocketed to close to 11 % and the payments have doubled. Only XXXX dollars of the XXXX dollar minimum payment goes toward the actual loan/line of credit. How is this allowed? How is this right? and do I have any options at all? My actual mortgage has a balance of around XXXX and I will have that paid off in less than 9 yrs. This HELOC has around a XXXX balance and it won't be even close to paid off for 20 years. What can I do to get help? I just want lower payments, not a free ride. I hope you can help me. Thank you for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: DC

Complaint narrative:
I just received my new credit report for TransUnion and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 

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 explanation
Consumer complaint received 2023-12-09 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:
I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
send a copy of the request summons or subpoena you sent to XXXX XXXX to verify my homeowners insurance and what steps were taken to correct the erroneous escrow entry by XXXX in XX/XX/2017 for {$2200.00}? 
Also send the response to that inquiry to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XX/XX/XXXX Under NAMES Experian has listed on their consumer report about me that I have 14 names. The 14 names are displayed with name ID numbers. The description for this section of the report indicates there are three different sources for the listings of the names.

each of which may report your personal information differently. This is why there may be variations of your name address, Social Security Number, etc.

My personal legal names in my lifetime are listed below. 
XXXX XXXX by XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXX XXXX by legal name change by court order in XXXX XXXX and approved by the XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX by marriage to XXXX XXXX XXXX in XXXX XXXX, NY. 
XXXX XXXX by XXXX XXXX XXXX XXXX XXXX Supreme Court from XXXX XXXX XXXX with permission by the court to use maiden name. 
XXXX XXXX by XXXX to XXXX XXXX XXXX XXXX XXXX TXXXX XXXX XXXX  NY which is current. Does Experian dispute this? 
Experian has also reported on page 6 on their consumer report about me that SPOUSE OR CO-APPLICANT is XXXX? Why is Experian using information from my former marriage of which I have been divorced since XXXX on the current credit report? 
Under ADDRESSES Why do the addresses have XXXX Codes and Address Ids? What is the purpose for the use of these codes? 
Under SOCIAL SECURITY NUMBER VARIATIONS Experian as listed None How would I know if EXPERIAN is using my correct social security number in their Consumer Report about me? There is no numeric indication on this report displayed to me such as last XXXX of the Social Security number which is typical on such document. Why is that omitted from this report? 
Under FORMER OR CURRENT EMPLOYERS Experian reports that I am self-employed and retired. My former employment history is completely missing from this report. I have paid Social Security and XXXX income tax out of my paychecks from my employers since XXXX. Why is this information omitted from XXXX XXXX report about me?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
On XX/XX/XXXX I was double billed XXXX, or billed twice. I spoke with XXXX XXXX id # XXXX ) who said she could not remove the charge off of my account for at least 60 days. She explained that was the amount of time it took to dispute the charge. 

I did on XX/XX/XXXX purchase a shed from Lowes, but I did not want to be doubled billed for the cost. And it is not fair to me that this amount sats on my credit. They are sloppy. I want this credited back to the account as quickly as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
This is for chase freedom credit card. They have a promotion for XXXX XXXX that if u make purchase no late than XX/XX/XXXX there, you will get 20 % cash back ( up to 36 ) in 14 days. I made a purchase on XX/XX/XXXX for amount about {$120.00}. I have not received cash back as of XX/XX/XXXX so I called them. However, I was told there is no such promotion. Luckily I saved promotion and attached it here. I am also attach receipt here.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Added fees that I wasn't informed about. And I can't even access my loan account to see my payments I've already made or owe?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 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: GA

Complaint narrative:
My complaint is in reference to the immediate removal of late payment entries from my TransUnion credit report as they are in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). According to the FCRA, late payments should not be reported as negative information. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. However, upon reviewing my credit report, I discovered multiple inaccurately reported late payments. This incorrect reporting adversely affects my creditworthiness and hinders my ability to obtain favorable credit terms. I believe these late payments are the result of a clerical error or misunderstanding. Therefore, I kindly request that you investigate this matter promptly and take the necessary steps to change these erroneous late payments to update to paid as agreed never late or deletion of the late payment ratings. As per the FCRA, I expect a response within 30 days, acknowledging the receipt of this letter and informing me of the actions taken to address this issue. Additionally, I request a revised and accurate copy of my credit report once the corrections have been made. 

TransUnion has violated my rights by under 15 USC 1681 by reporting the following late payments on my consumer report : XXXX XXXX XXXX : # XXXX XX/XX/XXXX, 30 days late, XXXX  XXXX # XXXX XX/XX/XXXX -30 days late, XXXX 30 days late XXXX XXXX # XXXX XXXX-30 days late, XXXX days late, XXXX days late,XX/XX/XXXX-30 days late XX/XX/XXXX # XXXX XX/XX/XXXX 30 days late XXXX XX/XX/XXXX # XXXXXX/XX/XXXX-30 days late,XXXX 30 days late XXXX Retail # XXXXXX/XX/XXXX-30 days late, XX/XX/XXXX-30 days late, XXXX days late XXXX XXXX XXXX XXXX # XXXX-30 days lateXXXX-30 days late XXXX XXXX XXXX # XXXXXX/XX/XXXX-30 days,XX/XX/XXXX-30 days XXXX XXXX # XXXX XXXX-60 days late, XXXX-30 days XXXX XXXX XXXX # XXXX XXXX-120 days late , XXXX-90 days late, XXXX-60 days late XXXX XXXX XXXX XXXX # XXXX XXXX-30 days late,XX/XX/XXXX-30 days late, XXXX30 days late,XXXX-30 days late, XXXX30 days late, XXXX-30 days late,XX/XX/XXXX-30 days late, XXXX-30 days late, XXXX-30 days late XXXX XXXX XXXX # XXXX all of the following dates are showing a rating of 30 days late : XX/XX/XXXX, XXXX The following dates are showing a rating of 60 days late:XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX # XXXX30 days late, XXXX-30 days late, XXXX-30 days late XXXX # XXXX XXXX-30 days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 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: OH

Complaint narrative:
I got a call sayin I owe a debt Pursuant to 18 USC 8, I owe no debt these companies is violating my consumer right to privacy pursuant to 15 USC 1681 ( b ) 15 USC 1681 ( 4 ) company has also no permission to report anything using my information 15 USC 1692g validation of debt 15 USC 1692 ( i ) legal action by debt collectors 15 USC 1681A ( 2 ) ( a ) ( i ) late payment 18 USC 1341 Fraud and swindles

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I've tried contacting Customer Service by phone on:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

and online every month (since XXXX) to get more information about why the daily interest keeps me from paying off my loan in a timely and reasonable manner. 

I have been paying as required yet I seem to only be paying approximately 1% off every year as far as I can tell. 

More detailed statements about how the monthly amount is distributed between the principal and interest since this loan was established would be appreciated so that I can ascertain if my finances will allow me to increase my monthly payment reasonably.

At this rate, my car loan (which is 7 times as much and a year younger than this loan) would be paid off sooner! 

Since phone calls go unanswered and the Website always manages to have trouble any time that I want to question what is going on, I'm seeking information through this medium.

Company response to consumer: Closed with explanation