vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I was given incomplete information about the terms of forbearance by the servicer of my Citizen 's loan ( XXXX ). Here is that complaint, which contains the issue that I am making a complaint for with Citizens : " I applied for an extension/forbearance. I was informed that I could forbear for XXXX increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This XXXX waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year. '' XX/XX/2023 XXXX replied, noting that " In accordance with our agreement with Citizens, as your loan servicer, we are obligated to service your loan in accordance with your lenders guidelines. '' XX/XX/2023 I then called Citizens on XX/XX/2023 to try finding another way to forbear my loan. If I had known I was only able to forbear my loan for 2 months within the entire year, I may have waited and used the forbearance at an even more difficult time. 
I am now making this complaint against Citizens because they were unable to take responsibility for the lack of proper communication provided by their servicer, and were unable to extend my forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Marlette Funding, LLC
State: TX

Complaint narrative:
On XX/XX/2023, I applied online for a line of credit. Best EggXXXX XXXX XXXX XXXX XXXX XXXX XXXX immediately denied an extension of my credit. This is XXXX violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting inaccurated and false collections on my consumer report from XXXX XXXX XXXX the original creditor is XXXX XXXX ( acct # XXXX ). I do not nor have I ever had a contract with this collection agency or the original creditor. I requested a copy of the original contract from both parties and neither was able to do so. I also did my research on XXXX XXXX XXXX which is not only not authorized to collect a debt in the state of Tennessee but in any state. Proof is attached with this complaint.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally 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 2023-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Sams Club credit collection is trying to collect a debit I don't owe and I was never associated or worked for the account holder XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXX. They Claim that the account opened in XXXX and closed in XXXX, I asked for evidence of me opening this account but they don't have any and asked me to contact Sams club and they are not helping.

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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DCI Credit Services, Inc.
State: MN

Complaint narrative:
My job got a wage garnishment summons in early XXXX. I did not see the original complaint against me, nor was any court documents sent to me to defend myself. But be as it may, my job honored the summons and {$1200.00} was garnished from my paycheck in XXXX XXXX. 

I just got another garnishment decision being submitted to my bank for a sum of {$520.00}. I called DCI Credit Services , INC ( in North Dakota ) upon receiving this notice. I spoke to someone on the phone requesting the initial decision amount and I was told it was $ XXXX. I am even skeptical of this amount, as I never got any garnishment notice or court decision prior to XXXX. And even if the original amount is correct, how did ( $ XXXX - {$1200.00} ) become {$520.00}. 

I believe DCI Credit is collecting a debt that has been collected in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Premier Auto Credit
State: CA

Complaint narrative:
I financed a vehicle through Premier Auto Credit and paid off the full loan. After requesting information regarding the title, I was informed by XXXX, the customer service agent, that I would be reimbursed. However, despite waiting XXXX weeks, I did not receive anything in the mail. When I called again, XXXX suggested I pick up the check but notify them in advance. I complied and provided all the requested documentation, even overpaying on the loan. However, they now refuse to reimburse me, citing a lack of proof of insurance. I submitted the required documentation to the indicated email address, but XXXX, the supervisor/manager, informed me that the email was no longer valid as it wasn't entered into their system, and the person associated with that email is no longer with the company. This should not be my responsibility as a customer, as they should have this information on file. Unfortunately, XXXX terminated the call abruptly, stating she couldn't assist me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase Bank is now denying customers the right to login to their accounts unless they sign a Consent Agreement to receive statements and other documents electronically. Based on my understanding, this is a violation of Federal law. Customers have the right to instruct financial institutions as to what documents, if any, they would like to receive electronically. This consent should not be procured via extortion. Your prompt attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
On XX/XX/2023 I called to dispute charges on my account. 
Here are all of the people I spoke to : XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX of them could help me complete my task. XXXX gave me the number for the " dispute department '' which was XXXX. 

Then I was transferred by him to XXXX, who said she is a customer service rep in the credit department. 

She transferred me to her supervisor XXXX, who said she is trained in handling disputes. I didn't want to talk to her and wanted her to transfer me directly to the dispute department. She refused several times. 

She hung up and I called the XXXX number and spoke with XXXX XXXX who said she was in the Account Services department and could not process disputes. 

Then she said she would transfer me to her supervisor. After more than XXXX minutes on hold, I spoke with XXXX, a supervisor in the " credit area '' from Florida. 

He was unable to help me, so I asked for his supervisor. He said all of his supervisors were unavailable and that it would take XXXX to XXXX hours for a a supervisor to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation
State: MA

Complaint narrative:
I already paid the amount by check XXXX weeks ago and they still dont resolved my issue, I paid XXXX to XXXX XXXX they didnt send any notice to XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XXXX XXXX Date of Inquiry XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/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 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received an Alert from XXXX XXXX that an Inquiry from Capital One hit my credit report on XX/XX/2023. I did not apply for credit with them or any other lender recently. I contacted XXXX and they instituted a Freeze to my XXXX credit report and instructed me to contact both XXXX XXXX and XXXX to do the same, which I did ; my credit report is now frozen at all three bureaus and all also have an alert to potential creditors to contact me if anyone tries to use my information. I was also told to contact Capital One and report the fraudulent activity, which I also did. The application apparently used a XXXX XXXX CA address but that was all Capital One could divulge. Capital One also informed me that I could contact FTC.Gov who would notify me of any further attempts to use my information, but that is what led me to this CFPB site. Capital One said they would investigate the application but that I could also file a report with the Police Department, which I will consider doing ... not sure how that would resolve / add to the resolution as I have not yet seen any other fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
M & T Bank is my mortgage servicer. Sadly they did not make the required escrow payment and my insurance coverage lapsed. They did not contact me about this. When I discovered it I tried to pay my hazard insurance premiums directly but it had been too long and the policy was cancelled. M & T put their super expensive forced place insurance on the property with out letting me know. All of the new hazard policies are at least double the cost. If M & T had simply done their job I would have affordable coverage. This costly mistake will force me to pay higher premiums for years to come.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
For the last 2 years I have been battling with Equifax to allow me access to my online credit report. They asked me to send in documents to verify my identity. I mailed the documents twice. I sent a copy of my driver 's license, my social security card, billing documents, and a letter. I also faxed it to Equifax. After all that I still do not have access to view my credit from their website and I'm still not able to get my annual credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I kindly request that you promptly update my account with the correct and accurate information.

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 2023-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
I do not know who they are trying to contact and have advised them to stop calling my number so they use a local telephone number to make it appear as a local person is calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Signed up for checking account, and kept {$500.00} minimum daily balance as noted in the terms to avoid the $ XXXX monthly service fee. Wells Fargo inappropriately charged the fee anyway for several months bringing my account balance below {$500.00}, where they continued to charge fees in the total amount of {$330.00}. It is my belief that WF deliberately charged the fees against their own terms initially in order to bring my account balance below the stated minimum, whereupon WF continued to charge the service fee. Had WF not erroneously charged the fee to begin with, my balance would not have dropped below the {$500.00} minimum daily balance.

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 2023-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-08-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: IN

Complaint narrative:
My ex-wife and I have been working on an assumptions process for over a year. She is assuming the mortgage after our divorce. During the process, our mortgage company sends us to their assumptions department which is another company. This company we have been sent to fails to provide any measure of customer service. Communication has been scarce to none. Weeks go in between responses and they only communicate through email. Simple requests for updates or assistance are completely ignored. Phone calls are never returned. They work so slowly that is impossible for any kind of time sensitive process to be completed. Their legal team has also been unable to give clear requirements for requested documents and has been unable to prepare basic documents per our county clerks requirements. Our actual mortgage company can not just send us to a servicer who doesnt actually do their job whatsoever and doesnt communicate with their customers. This company has no business handling peoples mortgages when they have no regard for actually completing any kind of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: FL

Complaint narrative:
I called for a payoff amount on XXXX23. 
They emailed me a payoff amount of {$170.00}. 
I call on XX/XX/23 to check on my payment because they closed my online account. 
They said it was applied to a suspense account because they didn't know what it was for. They asked me to call back in another few days. 
I called on XX/XX/23 the said I have {$4500.00} in Escrow and that they will send me a check in XXXX weeks. 
Every time I call I am on hold for over XXXX minutes. I afraid that this bank is unlawfully holding my escrow money. 
I received another bill from PRMI dated XX/XX/23 for {$820.00} for the {$17000.00} I already paid plus {$640.00} for escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am writing to NC STATE EMPLOYEES with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.

Company response to consumer: Closed with explanation