vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2100.00}, {$7700.00}, {$2800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not 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 explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NV

Complaint narrative:
I've been paying extra principal on my mortgage for last few years. I never had a problem with that, I've called mortgage company and explained that any money above the monthly payment need to be applied to principal. Last few months they started to split my payment and started to apply for extra monthly payment. I've called them and explained that I don't want to do extra monthly payment and that everything should be applied to principal, but they don't want to quit. I've just received monthly statement and they did it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I offered a debt settlement to my old Auto loan company ( Westlake Financial ) I send them a letter, they called me back and accepted it ; I complete the payment and they agreed to mail me a pay for delete letter to have this collection removed from my credit report. The payment was made in XX/XX/XXXX and I still have not receive the letter. I called multiple time to see the status of my letter and each time they give me arbitrary information ( the letter was delayed, that it was sent, then that it was sent to my email ). 

To add to all that, today I checked my credit report and they did not report the balance to XXXX ( what we agree to ) but they deduct the amount I pay from the amount originally owned and reported that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
According to Regulation Z ( Thruth in Lending Act ) my rights as a consumer have been violated. Regulation Z indicates that the banking institution in this case Citibank must send a notice of changes in the terms of the account 45 days before this applies to credit cards, revolving accounts, Heloc, etc. This institution reduced 2 credit cards without any notice as stated by Thruth in Lending Act (  TILA ) 45 days before so the client decides to evaluate the change and decide whether to keep the account or cancel it, Citibank carried out an illegal or discriminatory practice. This had an adverse effect on my credit. 

Accounts that did not comply with Regulation Z. 
XXXX XXXX XXXX XXXX From XXXX it was reduced to XXXX, lowering my score since when I did this practice without prior notice 45 days before as stated in the regulatory requirements of a 50 % increase to 99 % of use of the credit, the same happened with the XXXX XXXX XXXX XXXX of {$1500.00} which was the credit limit they lowered it without notice to {$900.00}. I hope I resolved this crass error because I will climb to the last consequences. XX/XX/XXXX THE EMPLOYEE ATTEND ME XXXX XXXX BALANCE NOW {$990.00} PREVIOUS LIMIT {$2000.00} NOW LIMIT {$1000.00}. FOR THE STATEMENT OF XX/XX/XXXX ( XX/XX/XXXX TO XX/XX/XXXX ) I REALIZED THAT CITIBANK HAD REDUCED MY CREDIT FROM {$1500.00} To {$900.00}. I DID NO RECEIVE ANY NOTIFICATION AND BEFORE MAKING THIS COMPLAINT, CALL CUSTOMER SERVICES XXXX XXXX # EMPLOYEE # XXXX. THEY SAY THAT THEY DO NOT KNOW THE REASONS

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 2020-09-09 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
This will be my second complaint on Shellpoint Mortgage Servicing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, SC XXXX / XXXX New Rez XXXX XXXX Owner of loan and they are located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Shellpoint took over this mortgage on XX/XX/XXXX. At that time I was not aware of this having relocated to Tennessee the first of XX/XX/XXXX and not receiving any notification. Payments were made to XXXX XXXX but Shellpoint did not acknowledge said payments showing late payment on my credit report. Shellpoint was paid in full on XX/XX/XXXX according to their payoff letter. Shellpoint first refused to acknowledge that they were even paid through a wire transfer made by XXXX XXXX on XX/XX/XXXX. It took until XX/XX/XXXX for them to agree and to accept the payment so the loan was paid off in full. It has now been sixty days since they were paid off. They refuse to update with the credit agencies showing the account was closed and remove the two late payments of XX/XX/XXXX and XX/XX/XXXX. I have made numerous requests and my credit is still showing late and account still open sixty days after they were paid in full. This is keeping me from getting a mortgage on my new residents. They continue to tell me the Paid In Full letter is not ready along with not showing accurate late payments and closed accounts to the credit agencies.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 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: Skagit Bonded Collectors, LLC
State: WA

Complaint narrative:
I had a medical debt that was part of a large amount that I thought I had paid. {$370.00}. I got served for a lawsuit over it, and received the service today, XX/XX/2020. 

The paper works says I owed the {$370.00} to the hospital, and was being charged an additional {$200.00} for legal fees. For a total of {$570.00}. 

I contacted the debt collection agency, SB & C of XXXX XXXX, Washington. I started by saying I wasn't contacted over this. She said " you were contacted at work, and said 'i 'm at work I'll call you back ' and hung up on us '' that probably did happen. If I didn't call back it's because they called from a blocked number. I then said I'd pay the debt. She told me I owed {$900.00}. I said the paperwork only says {$570.00}. she told me there were additional fees. 

We then went back and forth, and I said I'd just pay the {$900.00}, she said I needed to sign a paper forfeiting my legal rights. I said fine, here 's my email. She told me it could only be faxed. I said I don't have a fax machine. She said go to a public place like XXXX and we'll fax it there. I said I have a newborn I can't, I'll just go to the court date and offer to pay it. She said if I did that I'd have a judgement against me. I said but I'd be paying it, she said " I've been doing this 15 years and you'll have a judgement, you aren't special or the first one to try to get out of this stuff. '' Why can a company continue charging me interest and damaging my credit after I've offered to pay it, because they wont accept payment unless I jump through hoops. I even called their attorney 's office, who said they couldn't talk to me, but that she shouldn't have said that, and that no one has a fax anymore.

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 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In XX/XX/XXXX, I was approved by XXXX XXXX for a credit card with a credit limit of XXXX dollars.On XX/XX/XXXX, the Coronavirus pandemic hits Michigan where I live.On XX/XX/XXXX XXXX closed my account first and sent me a letter citing " Inactivity '' .When I received the letter from XXXX, I called them immediately.When I called XXXX customer service to reconsider, They stated to me that the account was closed due to inactivity and I can reapply for a new account but can not reopen the closed account..After my conversation with XXXX card, I immediately filed a complaint with XXXX citing closing my account due to Coronavirus Pandemic.I have read many articles and news reports stating '' Millions of credit card users are seeing their credit cards closed or limits lowered during pandemic '' .I did have a XXXX dollar credit limit and paid my monthly payments on time.I had great credit with XXXX.On XX/XX/XXXX, I paid my account off in the amount of XXXX.On XX/XX/XXXX, I made another interest charge payment in the amount of XXXX paying the account off with no balance.XX/XX/XXXX was the last activity i had on this XXXX card account until XX/XX/XXXX closed account.XXXX responded to the CFPB complaint, XXXX stated in their response that they made there decision based on what was in my Transunion report.After reading there response and the letter i received from XXXX, XXXX is clearly lying why the closed my account.They closed my account because of the Coronavirus Pandemic and the current financial hardships people are having.I have been working this whole time because my job is currently deemed essential.I have looked up laws under the Credit Card Act of XXXX, Equal Credit Opportunity act, FCRA, Etc and there is no law for closing accounts.In the XXXX Credit Card Agreement, it does state that they can close anyones account at anytime for any reason.There is no XXXX Credit card agreement that states anything on a Pandemic or Financial crisis due to a Pandemic.Because they have closed my account, my FICO score has decreased and caused stress.I have been trying for years to have a good credit and score and closing my account due to current pandemic doesnt help me one bit.Therefore, XXXX lied and closed my account/card because of the pandemic and financial crisis and used Inactivity as a excuse to close my account.Therefore, XXXX cards CFPB response and letter dont add up.Therefore, My FICO score has dropped causing stress and lower credit scores that will affect my credit worthiness.

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 2020-09-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MO

Complaint narrative:
I've received a letter from Jefferson Capital about a credit card I've never had. The name on the card is wrong. They have XXXX XXXX XXXX. My name is XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Several months ago I tried to order groceries online when I was in quarantine for Covid-19. It took me HOURS to get a time slot and order the groceries. After I finally placed the order and got a delivery time slot, I received a notification that my order was canceled and I thus lost the time slot that I spent so many hours over a period of days to get. I tried calling CIti, not possible. The online grocery store customer service agent finally told me that my card didn't work. I later found out that ONCE AGAIN CIti had problems with their security and thus for at least the 10th time, canceled my credit card! Since I was in quarantine in XXXX, rather than at my house in XXXX and no one would answer the phone at Citi, I had no way to get my card. So I had to spend the past 6 months using someone else 's credit card to buy essentials. 

The excuse Citi uses for charging not only an annual fee, but an extremely high one, is that they give miles on XXXX XXXX and a free checked bag. Since I can not reach a live person, and they removed the Secure Message Center link, and only have a " live chat '' which wastes time and tells the user to call -- again the number no one answers during Covid-19, or MAIL a letter, which clearly does not help in less than a few weeks, if ever, I asked, on more than one occasion for a refund of the annual fee -- I have screen shots showing that I requested that IMMEDIATELY. There were always excuses. I did not agree to this fee, I do not pay a fee on any of my other cards, and they give me benefits that I can actually use. 

Please help, as Citi is taking advantage of customers, especially during the Covid stay at home period when people can not go to banks or stores in person. I do not like that they get away with what they do by not having a manned phone line or email. They put customers in a useless loop.

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 2020-09-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FORD MOTOR CREDIT CO.
State: IN

Complaint narrative:
I opened a new auto loan in XXXX on a XXXX Ford. The auto loan is with Ford Credit. The account has been current. In XXXX I called Ford and told them my XXXX payment would be late. On XXXX I mailed my XXXX payment. I called Ford on XX/XX/XXXX to advise them the payment has been mailed. Ford Credit put a negative rating on my credit and my wifes. This lowered our credit score In a very negative way. I called Ford on XX/XX/XXXX and asked them to remove it or work with me. They said no and the supervisor was unable to speak with me. I left a message For the supervisor and no one has called me back. COVID legislation section 4021 consumer protection provides protection to the credit score during a national emergency which is still declared. Ford Credit was advised this and did not work with me on the loan or credit  reporting. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Contacted the Credit Bureaus on XX/XX/XXXX - XX/XX/XXXX - Its been over 120 days no response from Credit Bureaus. No update on credit report, regarding false accounts. There's no obvious sign of re-investigation on unknown accounts.

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 2020-09-09 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: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
I have noticed that this company had begun and continues to incorrectly report an account as derogatory and 30 days late exactly one year from settlement. I called this company multiple times since XXXX to correct the issue at which point they acknowledged there was something incorrect on the report and advised me it would be fixed and updated. At this point the reporting continues to be done incorrectly and no attempts to correct the inaccurate information from them to my reports have been made. I have spoken to several people including the credit department itself of this company but they are not correcting the information on my report. They initially never explained either the differences in the accounts they use nor do they inform you that when opening services with them that they open three accounts for you instead of one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: CT

Complaint narrative:
So in XXXX I took a trip from Connecticut to Florida while down there I was the victim of a robbery in the process my card was taken I called and reported my card stolen and opted to pay the fee too have a new one shipped to Florida the card came but the opportunity to use it never did because they sent it restricted with a request for legal documents I would have no way to get for them while over a thousand miles from home they did however give me the option to have my account terminated which I didn't want to do at that time do to my direct deposit I did however order a new card ( brinks ) unbeknownst to me there the same company ( XXXX ) which means my account information is the same netspend still refuses to have the corporate office contact me as well as the fraud department they refuse to terminate my account or transfer funds to the brinks card verifying it's me through cross reference and in the meantime while the country suffers from a pandemic I'm not allowed access to my funds which have been held from me for over a couple 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 2020-09-10 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: U.S. BANCORP
State: KY

Complaint narrative:
I have registered a complaint prior. I am going to every day until something resolves. This card is an obvious scam. It is easily verified online. My original complaint number is XXXX. Since filing a complaint my card has been turned off. It is tragic how people are being cheated by this company. From reading your site, it seems like it is your job to stop them. Look them up. The phone number is XXXX. 
They also have these phone numbers I found online : XXXX XXXX XXXX XXXX Here is the address they have listed : XXXX XXXX XXXX, XXXX, FL XXXX. 

They also have offices in Minnesota, XXXX, Florida, Michigan, and -- -heaven help us all -- -XXXX, DE the home of credit card scams. 

Can you please tell me to whom can I complain? I mean an official legislative body? As much as a sternly worded letter and 15 days for them to decide what to do might assuage my fears that this is money I will never see again, I am deeply concerned that this will not cause a change in their criminal practices. I am certain I am not the only one who has been stolen from by them. You just tell me who to register a criminal complaint with and I will do the work. Scamsters should not be allowed to cheat us.

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