vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX states it does not share personal information about their customers with nonaffiliates. I am opting out of ALL sharing to non affiliated third parties and they need to remove my personal information from all credit reporting agencies asap. There is no law that say they MUST report my personal information and I, the consumer, have a right to privacy according to the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received a Wells Fargo alert on XX/XX/2022 at XXXX Eastern Time stating : my savings account ( # XXXX ) balance is NEGATIVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " - {$4600.00} ''. 

This alert was completely false. As determined, on both XX/XX/2022 when logging in the balance was never Negative ( Always positive ), and on XX/XX/2022 the balance was never negative. It was always positive.

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 2022-10-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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: NV

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Financial Asset Management Systems Inc
State: GA

Complaint narrative:
On XX/XX/XXXX, at approximately XXXX XXXX, I received a voicemail from someone identifying herself as working for XXXX XXXX XXXX XXXX XXXX I called back and spoke to XXXX XXXX. She told me I was in collection for a debt of roughly {$200.00} to XXXX XXXX. I told her I did not recognize the amount and had received no bill from XXXX. She attempted at that point to get me to pay the amount, and I asked her what exactly it was for. 

At that point, she identified herself as a debt collector. I interrupted her and told her I believed she was in violation of the Fair Debt Collection Practices Act by not having first identified herself as a debt collector, despite discussing the debt with me and attempting to collect information. 

As soon as I told her this, she became irate, started yelling at me, and the hung up. I called back immediately and asked the person who answered to our a supervisor on the line. I was told the supervisor was busy but would call me back in XXXX minutes. No one ever called. 

Two weeks later, on XX/XX/2022, I received a call from FAMS at roundly XXXXXXXX XXXX, seeking to collect the debt. I explained that I had already requested verification, had not received any, and also had not received a call back from the supervisor. I was told one would call me back. Indeed, shortly later, I received a call. The supervisor apologized for XXXX XXXX 's violation of the statute and then began arguing with me about why I had not paid. I explained, repeatedly, that I had received no bill. She gave me dates of bills being sent to me. I explained to her I had moved months earlier, that my mail was forwarded, but that no bill or notice from FAMS had come to me. She said that as not their problem, and that she was entitled to continue collecting the debt. I told her I want no further communication from FAMS. 

I called XXXX after that call and received verification of the charges and paid the amount. They apologized for the behavior of FAMS. 

I am not satisfied with apologies. FAMS should be punished for the illegal behavior. I seek some kind of administrative remedy. If none can be made, I plan to bring a suit to seek {$1000.00} in statutory damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A few years back in 2013 my identity was stolen, I was out shopping with my mom for my kids XXXX things and someone swiped my wallet, since then as long as that person knows my date of birth and Social they can pretty much access all my stuff, I filed a report but its still hard to catch this person. Now I cant open a simple account because I am in XXXX. Chase bank offers a second chance account that supposedly doesnt use XXXX. However after trying to apply for that account I found out that it does and it makes an impact on the very XXXX XXXX I am trying to fix. A lot of banking institutions that offer second XXXX banking still use XXXX even though they advertise that they dont. This isnt fair to peopl that are trying to fix their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: NC

Complaint narrative:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-10-20 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
I have been contacted multiple times by a company XXXX XXXX. I have tried to explain that I have contacted Check N Go, which is who the debt was originally from, and they dont have any records of me obtaining a payday loan. This is what I have tried to tell XXXX XXXX but they have said theyre just going to sue me, and my recent call they said theyve sent the paperwork to garnish my wages. I tried to tell the female at extension XXXX dont contact me anymore by phone, I will gladly give you my address so you can send me something by mail. She said that wont be necessary, we are in the process of filing paperwork to garnish your wages and hung up on me. I called them back at XXXX and I kept getting hung up on by multiple females. I finally got XXXX, XXXX to speak with me, I just said I need to speak with your supervisor. She said I had already spoke to him and that he wouldnt take another call from me because theyve already started the process to garnish my wages. I said I just want to tell XXXX of you that I dont want contacted by phone anymore and if they did I would contact the fair credit bureau, she said you dont need to tell us that just go ahead and do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
This company started a scheduled maintenance in XXXX of 2022 and since then I have been unable to access my account online. It gives an error message and does not allow me to pay. I have to call customer service to make a payment, which hold times are over 3 hours usually and the rep adds a {$9.00} charge everytime I make a payment over the phone even though are no alternatives! They have marked my account late over and over again even though the agent on the phone always tells me to call when the outages have cleared up to get a waiver for those lates I am stuck with this item on my credit with no options while they charge me late fees, over the phone convenience fees, and lock my online account so I can't even check the status. They call over 15 times a day when they are in need of payment but during business hours even though I told them I can not answer while working but then their call center is closed when I get off work. after doing online research i see that there are MANY account holders experiencing issues with this company and it feels like a scam. I ALSO WAS SUPPOSED TO GET A {$1000.00} REFUND ISSUED TO MY CARD, THE DENTIST SHOWED ME WHERE THEY DID THE REVERSAL BUT THE CREDIT NEVER SHOWED. I am really frustrated and tired of chasing these people down just so that they'll take more of my money. I honestly feel uncomfortable continuing to hold an account with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I applied for help with my past due mortgage, with XXXX XXXX XXXX XXXX, they were able to approve me for assistance, & they wired-ACH transfer to Select Portfolio Servicing ( XXXX XXXX XXXX ) {$13000.00}, on XX/XX/2022, Select Portfolio has not applied the money to my mortgage account as of XX/XX/2022. I have reached out to my servicer to see why they have not applied the $ XXXX to my mortgage account & i am told it is pending. The XXXX XXXX has cleared per XXXX XXXX XXXX XXXX. Select Portfolio Servicing ombudsman department refuses to take my call, nor do they call me back regarding this matter. I was refused to talk to upper management by XXXX on ext XXXX on XX/XX/2022. There is no reason the XXXX XXXX should not be applied to my past due mortgage, & again the servicer will not communicate to me when the funds will be applied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-20 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: MD

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXX was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I received an email from Citibank on XX/XX/XXXX that they promised I can get {$700.00} cash bonus if I open a new account and deposit {$50000.00} for keeping XXXX. Since XX/XX/XXXX the XXXX time I called the Citibank to confirm if I can get the cash bonus, they said no problem, I at least called them again and again on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX XXXX, XXXX XXXX ( supervisor XXXX ) XXXX. Every time they told me different thing. Yesterday I sent them a letter as they requested but I really feel frustrated to trust them anymore. For ending my half year suffering from the Citibank, please I submit this complaint to your bureau. Appreciate for your time and look forward to your response.

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 monetary relief
Consumer complaint received 2022-10-20 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: MO

Complaint narrative:
In Accordance to the Fair Credit Reporting Act 15 U.S.C 1681 Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX 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 states a consumer reporting agency can not furnish without my written consent 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. a debt collector may not communicate, in connection with the collection of any debt 15 U.S.C 1692 806 ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
We recently got notice for XXXX XXXX that our property taxes were not paid. We received a notice that our house was going to be put up for tax sale because of the unpaid taxes. 

We received a corrected tax bill and were also notified that the corrected bill was sent to our mortgage lender as well. They obviously did not pay attention to the bill. We had to call and had to waste our time sending them our documents showing that the bill was unpaid. 

I asked multiple time for notification that the payment had been issued. They did not contact me back. I see on our loan account that the disbursement was sent. However, I don't know if the payment will get there on time and I don't have any information on whether or not they paid the fees for the past due amount. 

We have until the XXXX for the payment to be sent there and I don't see the payment being posted to XXXX XXXX sight.

Company response to consumer: Closed with explanation