vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Professionals, Inc.
State: MT

Complaint narrative:
Collection professionals inc is trying to collect on a different payment contract for XXXX XXXX XXXX XXXX  of XXXX Wy. The contract states money is due when 2019 tax return comes in. With Covid 19 and all we have not gotten our taxes back yet and they filed with collection agency that has been given the contract and refuses to acknowledge the original contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
My mortgage was originally one loan with XX/XX/XXXX back in XXXX - they sold the mortgage after we had 28 % percent damage from hurricane sandy. 

After that we had surmounted a huge mortgage ( XXXX ) and it became unbearable and we had tried and tired to get a loan modification - on XX/XX/XXXX we finally got approved for a loan modification only to find out as of XX/XX/XXXX, apparently we had a second lien holder where we thought we had just gotten a modification. 

We both were effected by covid and was happy to have receive a forbearance during the covid time and now the mortgage company SLS Sold off a second mortgage to XXXX company and apparently we now owe that company too. 

We need help and I am trying to work all of this out and I am finding myself in a bait and switch situation with SLS & Previously with XXXX XXXX There appears to be some shady business practices and I am not a savvy guy on mortgages and I find myself in a pickle and I dont like they way these companies are handling there business. 

We have only been trying to straighten out our lives and now its even more confusing and I feel these companies are taking advantage of our situation and not helping the common American. 

what is the consumer to do when we are held in trouble and trying to make ends meet only to find out that I dont have the money to fight all of this craziness in court ... .they hold all the cards and meanwhile my credit gets ruined and causing stress as well as causing a XXXX attach back in XXXX from all of the stressors from Hurricane Sandy and loss of work. 
Where do I go ... ... ..These companies are taking advantage and ruining the little guy, while they laugh all the way to the bank ... ..Now I am sure you will not investigate this to the detail to see all nuances that have taken place. The government allowed us to take a forbearance due to covid and now the mortgage companies are pouncing on the consumer which is going to cause a mass foreclosure rate - this is not just a me problem this is going to be an us problem ... unless these companies work out a plan a fair plan ... ... ... There is some sort of dirty dealing here ... 

Please help 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 explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Called credit card company XXXX to ask for approximate date of next bill statement and amount and was told it would be XXXX and the minimum payment would be {$230.00} and credit limit was {$20000.00} which is recorded for quality assurance. On Monday XXXX went to use the credit card it was denied. I called Citibank and they adviced me that they reduced her credit limit to the amount owed and she has an {$8.00} credit limit. On XXXX a new card was received because the expiration date was soon arriving, on the new credit card it has the credit limit listed as {$20000.00} which I was previously told ( attached is a picture of that information ). The bills have been paid in a timely fashion and I have been a client since XXXX. To go through a worldwide pandemic and have credit limit decreased or just taken away at this time when all other institutions are expanding credit in order for people to survive is appalling to me. This is either because of my age or political views which is against the law and will flow up with the ombudsman pending 15 day review. Thank you XXXX at the Bureau of Consumer Financial Protection for whom I spoke to XXXX and for advising me on the process. It is greatly appreciated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2021-01-12 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: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXL add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-12 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: FL

Complaint narrative:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXadd a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX,XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2021-01-12 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: Innovate Managed Holdings, LLC
State: TX

Complaint narrative:
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. 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. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

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 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I paid my TD Bank XXXX card from my XXXX XXXX Checking account via an electronic check on XX/XX/20 BILL PAY TD BANK NA ON-LINE for {$790.00}. The amount was deducted from my checking account that day. Two weeks later I received a past due notice and contacted TD Bank by phone. They indicated they never received it. I contacted XXXX XXXX said it was accepted by TD Bank. It was determined after three weeks of phone calls that the credit card number reference number to pay the account did not match my credit card number. So XXXX XXXX on a three-way conference call with TD Bank and myself gave TD Bank the information to locate the payment. After that I received a letter from TD Bank asking for a copy of the check. I called them again and told them it was an electronic check from a bank. Unbelievable ... Since then I have been on 9 more calls to TD Bank and XXXX XXXX plus two more three-way calls where XXXX XXXX provided the payment information to TD Bank by FAX while we were on the call. Today I was contacted by a credit collector from TD Bank for non-payment after I explained my story AGAIN the TD representative asked if I could hold. I said yes and after waiting about 20 minutes I was disconnected and no one bothered to call me back. The rep said her name was XXXX or XXXX XXXX. I am a new TD Bank customer and they have been a nightmare to deal with and every time I call and have to recant my story then they tell me they never received the information from XXXX XXXX. What incompetence. The {$790.00} was deducted from my account on XX/XX/20 for a bill due on XX/XX/20 and I am still being harassed by TD Bank for payment they received four months ago. They actually owe me money back as I over-payed. I can't deal with this anymore. Please contact my son XXXX XXXX. He has durable power of attorney over my finances and he will be handling this matter moving forward. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XX/XX/2021 I.C. Systems filed XXXX collections to XXXX Acct # XXXX for {$140.00} Acct # XXXX for {$97.00} Acct # XXXX for {$240.00} None of these were mine. I call I.C. Systems, furnished the account # and explained these were not mine. I. C. Systems went on to get my information. They have no record of me in there system. Rather than correct the problem with the credit bureau ( XXXX ) they refused to speak with me any further.

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 2021-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
We are concerned that Citizens Bank has unnecessarily complicated and delayed our refinance with them. In this process, Citizens Banks actions have cost us thousands of dollars and damaged our credit. 

We started our refinance with Citizens Bank in early XXXX of 2020 and submitted all requested documentation to them at the time. After we signed paperwork and paid Citizens for an appraisal, they sold the loan to a XXXX XXXX XXXX  XXXX XXXX, serviced by XXXX XXXX  XXXX. 

The mortgage transfer occurred in early XX/XX/2020. During this transfer timeframe, the XXXX mortgage payment, which has been on auto-payment since its inception, experiences what Citizen Bank states as a coding error, and we were not notified. As customers of the new loan servicer, we immediately enrolled in their auto-payment making payments on the XXXX of the month but not notified of the error in XXXX, resulting in a negative mark to our credit history. 

Citizens Bank has failed to speak directly with XXXX  about this error or offer a reasonable and efficient way of resolving it. They identified the only way to get records for credit restoration is by sending a request by mail or faxing it to them. We have sent a letter ( via certified mail ) XXXX and are still waiting for any sort of response documentation that may resolve the penalty to our credit rating. 

In addition to this error, Citizens Bank mishandled our refinance at seemingly every opportunity : Unwilling or unable to obtain building certificate of insurance ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Unwilling or unable to obtain building financials ( we obtained and personally provided to Citizens XX/XX/2020 XXXX Scheduled ( and subsequently cancelled ) XX/XX/2020 refinance closing due to an error in not initiating XXXX  documentation process. This delay is still ongoing as of XXXX XXXX. 


On the day of the expected closing, the title agent notified us that Citizens had failed to start the XXXX process and to expect the process to take another 8-12 weeks. Despite regular follow up, they have not been able to provide any updates on the process or on the anticipated timeline. 

The errors Citizens Bank made by selling our loan during our refinance, making an payment error during the sale, not starting the XXXX  process ( which would not have been necessary had they not sold the loan ) have caused significant damage to our credit scores, prevented us from savings thousands of dollars in interest ( current 4.25 % interest versus 2.87 % ) and cost us emotional stress and tens of hours in follow-up with little to no progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: PA

Complaint narrative:
On XX/XX/2021, I received a prepaid card in my name from Netspend XXXX, XXXX. Unlike other debit or credit offers, this card already has my name printed in the card with a full, real debit card number and expiration date. It also had a bank account and a routing number attached to my full name and address. This was not requested by me. The attached material states they have the right to use my personal information, including my social security number with their partners and non-affiliated institutions for marketing purposes. It also states that I am unable to stop sharing that. It specifically says when you are longer our customer, we continue to share your information as described in this notice. I never requested to BE a customer, but now they have the right to use my information however they want, forever, because I called to cancel and close this account that I never opened. I got a confirmation number from them regarding this, stating they have closed it. However, I still want to report this. They fraudulently added my personal information to an account, unauthorized and unrequested by me. Had someone else gotten this card in their mailbox by accident, they could easily activate the card and use it fraudulently, potentially implicating me in some kind of crime or scandal in the process. This is NOT okay.

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 2021-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: OneMain Finance Corporation
State: ND

Complaint narrative:
I have tried contacting this company several times telling them if they can not prove that I owe this debt they need to delete it I also I have contacted all three credit bureaus in writing 2 out of the 3 send me an email stating they can not remove it. this is a violation of the Fair Credit Reporting Act 604 meaning if they can not prove that I owe it I do NOT owe. I also have bank accounts on my credit report I did not open they are not mine they have never been mine there is also an address on my credit report I've never lived at it is not mine I believe someone is using my social security number to open up bank accounts and addresses in my name or my social security number please contact me if you need further assistance or more information I give you permission to contact me thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: National Credit Adjusters, LLC
State: TX

Complaint narrative:
What is this account? I checked my reports monthly and I still see this very inccurate and incomplete account reporting in my credit file. I urge your team to remove this as soon as possible. Let us work this out and help me start a cleat slate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. Which is affecting me in various way and making it difficult for me to get a property. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: CA

Complaint narrative:
The merchant XXXX  has issued a refund on XX/XX/XXXX to my Citibank Costco visa card. It is XX/XX/XXXX now and I still have not received my credit back on my card. I have called Citibank multiple times and they said they do not see anything from their end. I have documents from XXXX showing the refund was issued already.

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