vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
My Citi card was charged {$1.00} in mid XX/XX/2021 and it was determined as fraud. Citi then sent me new card with a new account number that I received at the end of XX/XX/2021 which I activated and have used. Today XX/XX/2021, I received another new card with the old account number on it with a new expiration date. It was sent to my former address, but forwarded to my current address. I called the ( XXXX ) XXXX and explained to the CSR what happened and she told me to cut up the new card with the old number, but could not explain why I was sent the card. I find this behaviour very suspicious and would like an answer from Citi. It is also of note that as soon as fraud was detected on my card, they changed my limit from {$1500.00} to {$440.00} ( which at the time was just pennies over my balance ). The letter that came with the new card with the old number states that my limit is {$1500.00}. When I asked the CSR about this she tried to do a credit limit increase and then stated that she was sorry that she could not perform one at this time because the limit had been decreased within the last six months.

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 2021-09-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: NY

Complaint narrative:
on my credit report saying this was just open and that is not true. 
this was open in XX/XX/XXXX and was closed XX/XX/XXXX this company has changed the dates on this account and was also going by another name go by XXXX XXXX XXXX on credit report also for the same amount same bill number 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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Consumer Financial Services Solutions, Inc.
State: IN

Complaint narrative:
I began a debt settlement program with Beyond Finance in which they say will be for 45-55 % of the original debt. This is definitely untrue with mine being for 5 % -45 %. Then I was served with papers in which when I talked to an associate they said itd be handled. They then just gave me an answer. When I first started the program, they said Id have legal representation. My legal representation was just an answer in which I submitted and they said I could go or not go. They didnt provide any of the legal direction they initially promised. Following that, I received multiple phone calls and emails about their accelerated graduation program. They then made me feel pressured into doing it due to the papers I was served by saying it was the best option given the legal proceedings filed. Then they connected me with their sister company, XXXX XXXX. Their associate assured me it was the best option however their interest rate of 26.99 % is outrageous and its crazy that a company trying to help you to a better financial future would even consider XXXX XXXX a viable option when the interest is as high as the credit cards youre attempting to settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I received a bill NOT A VERIFICATION on XX/XX/2021 XXXX by CAPIO PARTNERS for {$2200.00} and as allowed under the Fair Debt Collection Practices Act, I have requested them to allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX XXXX, but I am unaware of the amount due and the bill sent does not include a breakdown of any fees AND/OR interests occurred. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I do NOT recall giving permission to XXXX XXXX XXXX XXXX XXXX for them to release my medical information to ANY third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization. Therefore my request is twofoldvalidation of debt and HIPAA authorization. I will send a OFFICIAL NOTICE and last request for a VALID debt validation with the following. 

1. ) provide breakdown of fees including any collection costs and medical charges.

2. ) Provide a copy of my signature with the provider of service stating to release my medical information to said collection agencies.

3. ) Cease any credit bureau reporting until the debt has been validated by me.

4. ) CORRECT INFORMATION ABOUT ME BECAUSE NO SOCIAL IS LISTED AND ADDRESS PLUS NAME IS WRONG AND THIS WILL ESCALATE WITH LEGAL ACTION AGAINST COLLECTOR AND THE FEDERAL GOVERNMENT FOR BOTH CFPB AND HIPPA VIOLATION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-30 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: NJ

Complaint narrative:
I noticed a few inquiries and an account I do not recognize on my report

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPARTMENT OF EDU-Balance $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXX-Date Opened XXXX XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,122-Date Opened : XX/XX/XXXX XXXX DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX 6,224-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 11,264-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ 10,689-Date Opened : XX/XX/XXXX XXXX DEPARTMENT XXXX XXXX $ XXXX Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance XXXX XXXXDate Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX US DEPARTMENT OF EDU-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX BAN-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I ended my lease in XXXX and purchased the vehicle from GM through XXXX XXXX XXXX. I was mailed a refund on XX/XX/XXXX, in the amount {$1.00}, XXXX and few weeks later another check in the same amount was mailed to me. I cashed those checks at my bank and later found out that a stop payment had been placed on them. This caused my accounts to be debited {$35.00}, and GM has refused to return my fees. I have submitted a letter from the Credit Union with the check attached, an explanation of the fees debited and they refused because I will not provide my account number to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-30 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: NJ

Complaint narrative:
I noticed a few inquiries and an account I do not recognize on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX due to Covid19 I was forced to go into a XXXX XXXX forbearance agreement with Dime Community bank holding the mortgage. I was out of the country at the time and was forced to sign under duress. Recently it has come to my attention that the Forbearance agreement is missing term start date finish date and amount to be paid. And that's why I don't know how much to pay and the finish date of the forbearance. ( See attachments ) Even in the banks letter responding to a complaint I filed against them. The Bank does give dates because they are missing information they says its a 12 month agreement where is the start date. 

Since the bank has merged with another entity I have not been getting my mortgage statements with amount due or when I did they were 2-3 weeks late. Case and point I have not gotten a statement for XX/XX/XXXX and the mortgage is due tomorrow XXXX XXXX!!!!!. I have emailed and called several loan officers at Dime informing them until they send me the statements I would stop paying the mortgage. They claim that the statements were sent but they were not! They could have emailed them! Ironically the threatening notices seem to make it to my mail box but not the statements! A check bounced and I stopped paying my mortgage as was promised. I finally got a hold a loan officer Ms XXXX XXXX at the Dime Community Bank that seemed reasonable we had a phone conversation agreement that I would make 2 payments in XX/XX/XXXX -Which I did and 2 payments in XXXX which I will make which will catch me up. 

THE DISPUTE is how much I owe on the forbearance agreement and since Dime Community Bank refuses to send the forbearance agreement accounting I don't know what the payment is. This is a simple matter which they Dime Community Bank refuse to resolve. 

The bank continues to stone wall by not supplying me with the statements

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
I would like to complain about a hostile employee while I was trying to make my payment to Carrington today on XX/XX/2021. I was paying the XX/XX/2021 payment but the rude female employee saying it would be applied to XX/XX/2021 when it's already paid. She was getting me upset talking over me it was because. She was very irate and hostile. She was trying to get me to pay payments that were added under my bankruptcy back on XX/XX/2021. I don't appreciate how this employee talked to me like I was some kid. She was rude and hung up on me and was falsely accusing me of yelling at her. I don't know her name but Carrington can listen to the phone call and find out which employee it was who was being unreasonable toward me. The carrington employees have already harassed me they know these payments were applied under my bankruptcy. The female employee caused all the problems today I was not yelling at her but I did yell when she kept rudely interrupting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: CA

Complaint narrative:
I have contacted XXXX XXXX XXXX on multiple occasions advising them that I do not owe them any money. They cancelled my account and requested I return their equipment, which was done in XX/XX/2019. They continued to bill me {$9.00} per month for a software fee for the equipment, in addition to an early termination fee of {$250.00} totaling {$470.00}. 

They have now referred it to an outside collection agency threatening to damage my personal credit for something I do now owe. I should not have to pay a software fee for equipment that I have not used, nor an early termination fee when they ( XXXX ) closed my account, advising that my business was 'high-risk '. They not only put a hold on my one and only transaction, they refunded the amount of {$800.00} back to my client, in which I was never paid. 

My agent has reached out to them multiple times and they still insist that I owe them {$470.00} - The collection agency, Southwest Recovery - XXXX XXXX XXXX # XXXX XXXX TX XXXX - only transfers me to voicemail and no one ever returns my calls. 

I am already out of the lost revenue of {$800.00}, now they want {$470.00} which will bring my total loss to {$1200.00}. This should not affect my credit and is unfair as the Agent waived the early termination fee. I have uploaded a document showing XXXX advised that I do not have an early termination fee and I would be credited an amount of {$220.00}. 

Please resolve this miscarriage of justice, Thank you- XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
Total Original Amount {$10000.00} Total Current Balance {$36000.00} Total Amount Due {$1000.00} Does this even look right to you? my daughter needed a loan for school. i am the co-signer. My wife passed away on XX/XX/XXXX, XXXX due to the loss of income, i requested a reduction in my monthly payment. Since the beginning of XXXX, they have sent me the wrong application, an out dated application, lost my application and/or never replied to my emails. Now I'm getting calls from collection agencies demanding i pay yje past due amount and threating me. also, uas sent negative remarks to the credit bureau which now shows 82 days past due. They have ruined my credit because of their mistakes. I NEED HELP IN RESOLVING THIS MATTER

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
Our Mortgage company, Specialized Loan Servicing is trying to foreclose on our home. We have been in contact with them to try to get a modification on our mortgage and was caught up on payments as of XX/XX/XXXX. Since then we fell behind on payments due to Covid19 and us being laid off from our jobs. The amount of the mortgage is {$2400.00} and the interest rate is 5 %. The mortgage company has refused to work with us for a modification and has put our home into foreclosure. My wife and I want to keep our home. We are the original owners for 42 years now. On a letter dated XX/XX/XXXX we received a letter from Specialized Loan Servicing stating that they received our recent request for modification, however, on XX/XX/XXXX we were advised that our request was denied because Specialized Loan Servicing put our home up for foreclosure sale.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
This pertains to all 3 credit report agencies XXXX Trans union and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on Trans union after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

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 2021-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
This pertains to all 3 credit report agencies experian XXXX XXXX and XXXX. I have extremely important questions about the credit reports that they have sent to me as requested im yet and still waiting on XXXX XXXX after multiple weeks. I absolutely can not get anyone to help assist me on the matters. Either my phone will ring and immediately hang up or I will get someone for 3/4 mins and the call drops., or I can never get through to get anyone! This is constant and my results every single time! Either my phone and line is compromised or this. No help! I have incorrect information on my account unknown countless insurance companies and utility providers all around the world auto loans loan notes dhs on my report, home loans, mortgage loans, financial counseling services, installment loans, sociL service agencies credit grantor credit card services and credit insurance.all unknown and does not pertain to me! Misspelled name on account, business and numbers fraudulent activity improper use of my account and sharing of informative delinquent and paid full unknown accounts. Missing basically my entire report of information that should be listed 6 different name id 's.

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 2021-09-30 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: LA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
On XX/XX/2021, I sent a letter in regards to mistaken and obscure things on my credit report. Right up 'til the present time, more than 30 days after the fact, I have not gotten a reaction at this point. I feel like I'm being taken advantaged of and being overlooked. Section 611 ( a ), It expresses that inability to research these things inside 30 days gives motivation to quickly eliminate those things from my credit report. It's been more than 30 days so they ought to be erased immediately. I request that these records be erased quickly or I will petition for case because of the pressure you have caused me. My data was likewise affected by the Equifax data breach and may have gotten under the control of some unacceptable individual.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I made a payment to my Comenity card which was cashed by Comenity in XXXX. I filed a dispute with them TWICE and sent in a copy of the cancelled check. They are not responding to me or applying payment. I called today and they told me they need more proof. What other proof is there other than a copy of the check that they cashed?

Company response to consumer: Closed with monetary relief