vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I recently has a loan go into default within the last 24 hours. I contacted the company and ask about my right to redeem the auto. I am aware that to reinstate my vehicle I am required to pay all late payments and fees due to bring the loan current. The representative told me that the entire balance on the loan of XXXX has to be paid in full which is inaccurate. This is a clear violation of my rights to reinstate my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Here is a timeline of the most important actions regarding the XXXX  {$160000.00} wired to XXXX, to beneficiary XXXX XXXX XXXX : XX/XX/XXXX Wire was sent in XXXX, with Senders Reference Number XXXX - XXXX - XXXX, XXXX Reference Number XXXX -Confirmation Receipt attached-. 



XX/XX/XXXX Amendment XXXX message was sent with field XXXX Remittance Information to credit funds as follows : XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Reply from XXXX XXXX XXXX, XXXX, in XXXX XXXX was : PLS BE ADVISED THAT UNFORTUNATELY WE ARE NOT ABLE TO ATTEND YR AMENDMENT REQUEST SINCE YR XXXX WAS ALREADY EXECUTED WITH YR ORIGINAL INSTRUCTIONS. AMOUNT PAID TO XXXX XXXX XXXX ( FEES DISCOUNTED AS PER YR FIELD XXXX OF YR XXXX ) VD. XXXX UNDER OUR REF. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX As per beneficiarys request, we opened a XXXX to XXXX the wire. XXXX XXXX XXXX. No response from beneficiary bank. 



XX/XX/XXXX A second XXXX request was sent. 



XX/XX/XXXX A third XXXX request was submitted. 



XX/XX/XXXX We were informed in a call with XXXX representative, that monies were in XXXX XXXX XXXX since XX/XX/XXXX with Reference XXXX. With that information our bank sent another XXXX, and our Intermediary bank replied the following : PLS BE ADVISED THAT UP TO THIS TIME, WE HAVE NOT RECEIVED ANY REPLY FROM XXXX. WE HAVE SENT ANOTHER REMINDER TO XXXX AS SOON AS WE RECEIVE A REPLY FROM XXXX WE WILL LET YOU KNOW XX/XX/XXXX We were informed XXXX XXXX XXXX had reached out to XXXX to recall the wire and waited for reply. No reply from XXXX. 



XX/XX/XXXX Again we were informed through XXXX XXXX that beneficiary was on XX/XX/XXXX in the amount of XXXX XXXX under ref XXXX. kindly advise if client has now been able to locate funds. 



XX/XX/XXXX XXXX wire room escalated to their contacts for assistance. No reply from XXXX. 



XX/XX/XXXX We requested our bank to send another Recall message with information provided by XXXX, which Is the same as the message XXXX provided on XX/XX/XXXX XX/XX/XXXX Our Bank informed us they were not able to submit more Recall requests. 



XX/XX/XXXX XXXX XXXX XXXX that they have submitted a Case ( XXXX ) with a request to have the beneficiary 's bank provide confirmation of where the funds were credited, but have yet to receive a response. In regards to the most recent XXXX communication, the request is still in progress. You can expect to receive further information within five to eight business days. If you need to contact us further regarding this request, please reference the following file number : XXXX -no XXXX  Messages provided-

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
Original creditor is Synchrony Bank. Opened on XX/XX/XXXX. In collections with XXXX XXXX XXXX. The amount is {$1600.00}. I have been the victim of identity thief. I have received alerts of my information being on the dark web. Fraudulent accounts have continued to be opened in my name using my information. I attempted to gain more information about this fraudulent account through XXXX on XX/XX/XXXX and filed a dispute with them. No additional information could be provided. I have locked my credit to prevent more fraudulent accounts from being opened using my personal information. I never opened this account, nor did I authorize its use. I currently have two other Synchrony accounts in my name that I am in good standing with. One of which was also opened in XXXX and the second was opened in 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 2022-10-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
I have applied and been approved through XXXX XXXX for XXXX under XXXX. The agency approved my relief on XX/XX/22 and sent an " I '' file to Mr. Cooper at that time. Mr. Cooper has not processed claiming that it may take 2-3 months to process! During such time they are accruing interest at a rate of {$1000.00} monthly that will be charged to the XXXX XXXX. In my opinion this is stealing from the federal government. 
I have been on the phone with many, many reps from XXXX XXXXMr. Cooper over the past months. I get nothing but the runaround, unable to speak to the XXXX XXXX or any individual in a supervisory position. 
I understand that this company has over 2,500 complaints against them and quit obviously should be fined heavily or lose their license to do business. 
My wife and I are retired. This has created a tremendous amount of stress on us both. XXXX was very difficult for us losing our jobs for 2+ years. Most recently I had XXXX and was nearly hospitalized. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent. 

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX -account numberXXXX XXXX XXXX -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXX- account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX- account number XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number XXXX XXXX- XXXX Unknown account name- account number XXXX XXXX XXXX account number XXXX XXXX- account 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 non-monetary relief
Consumer complaint received 2022-10-06 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act the following accounts have violated my rights.

15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604A section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my WRITTEN consent.

Federal Law overrides any company policy. 

Dept of EDUXXXX -account number XXXX XXXX XXXX XXXXXXXX XXXX - account number XXXX XXXX XXXX XXXX XXXX XXXXaccount numberXXXXXXXX XXXX XXXX  -account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXaccount number XXXX XXXX XXXX XXXX account number XXXX XXXXt- account number XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXXXXXX Unknown account name- account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX- account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Could not log in to my credit card account on XX/XX/XXXX. 
Called credt card company and they informed me that because of two many log in attempts, a permanent hold has been placed on my account. I told them it was probably me since I was trying to remember my password when logging in. They said there was fraudlent activity with too many log in attempts and would not provide any details. I asked them if they would be sending me a letter explaining the details and they said they were in the process of doing so. I never received any notifications in the mail. 

I called them back on XX/XX/XXXX and they told me the same thing. I asked them how am I suppose to make payments on my balance outstanding without being able to log into my account. I had previously set up Auto Pay but I am not sure if it will work now. They said you will need to use other third party payment methods. 
This account was openned/activated in XX/XX/XXXX. I have a balance on the account of approximately {$5500.00} but can not confirm since my account is not accessible. I can not make payments from my checking account because of what they told me. 

The information presented to me seems unreasonable and I do not want to be late on my payments. My next payment due date is on XX/XX/XXXX and I had autopay set up but can not verify if it will work now. I also can not monitor my balance since they will not allow me to access my account. I elected to receive electronic statements and can not access them since my account is locked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed. 

On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I did not contact XXXX because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my XXXX XXXX as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my XXXX score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: NY

Complaint narrative:
My husband lost his job during XXXX and we filed for forbearance with our mortgage company Flagstar. Once we were able to resume payments, we contacted the company and started the loan modification process. We were given terms and asked to make 3 months worth of payments to show we can resume regular payments. We did that successfully and then were sent a loan package. We had the documents notarized and sent back to Flagstar before the due date. After some time I reached out to them to set up autopay on the new loan amount only to be told the loan had been terminated! After many hours on the phone, Flagstar admitted they had indeed received the documents on time, but that due to some clerical error on their part it was terminated and we had NO RECOURSE. We tried to continue to argue our case, but were on a hamster wheel. We spent well over 20 hours on calls ( that can be documented with phone logs ) and finally out of sheer frustration and warnings of losing our mortgage by Flagstar we reluctantly accepted a second modification at a higher interest rate. We made the three months of payments on this recent modification as required. Then we received the modification package and returned it ahead of the XX/XX/XXXX due date, the documents were in fact received by Flagstar on XX/XX/XXXX at XXXX ( documents and tracking info attached ). 

I called Flagstar this morning, just to confirm that everything was in order and was informed AGAIN that our loan has been terminated due to not getting the documents on time! I had the agent confirm that they were in fact received on time, I then asked for a supervisor and was connected to XXXX ( XXXX ) in the XXXX XXXX XXXX XXXX  XXXX confirmed our documents were in fact there on time and did not have an answer as to why our loan was terminated. He said it would be sent to the underwriting department and they would fix it. 

We did this song and dance the first time around. We trusted the system and believed that Flagstar had our best interest. That was absolutely not the case. We feel strongly that Flagstar is purposely introducing errors to cause delays in the process and force consumers into higher rates. There was no effort on Flagstars part to rectify their initial admitted error and they are now trying it again! 

This time we are going to take action which is why I am filing this complaint. 

I can provide all pertinent information as needed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I submitted an application and recently received a decision letter which did not give much explanation as to what income they are considering the letter also states that i have an appeal time of XXXX days but yet they have my property set for auction while i am on the appeal process. Their letter is contradicting it states no foreclosure will be held but yet they never placed it on hold. I am suffering from anxiety and paranoid living in fear that I might end up in the streets. I've submitted an appeal and I also need the calculations that they are using to determine my eligibility which they have failed to provide me with. All I see is bad faith on there end. My income can definitely support my payment I make more than enough I can afford my mortgage. I feel that they are just targeting Hispanics and force them to loose our homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
In XXXX of 2022 I requested removal of PMI from my mortgage based on XXXX XXXX for substantial improvements made to my home. XXXX, who was the sub-servicer that handled the servicing of my loan on behalf of XXXX approved the removal of PMI based on a reappraisal performed on XX/XX/2022. In early XXXX I received written confirmation that my home has appraised for {$370000.00} or 78 % XXXX at the time of appraisal. I received written confirmation from Cenlar dated XX/XX/2022 that : " We are writing to inform you that you have met the requirements established for the removal of Private Mortgage Insurance ( PMI ) coverage. This insurance has been terminated and no further premiums, payments or other fees for PMI are due. Your monthly mortgage payment amount will be adjusted effective with the XXXX, XXXX payment. '' On or about XX/XX/2022, I received a separate notice from XXXX that my loan was being transferred to Specialized Loan Servicing as the new sub-servicer of my mortgage account. 

I have sine received a mortgage statement from Specialized Loan Servicing with a due date of XX/XX/2022 and the original payment amount of {$1600.00} is shown as due. This is not reflecting the amount of reduced escrow of {$72.00} which is no longer due since PMI has now been cancelled. 

I have called and spoken to no less than 4 representatives between XX/XX/2022 and XX/XX/2022. I was told to send the letter from XXXX indicating PMI was cancelled effective with my XX/XX/2022 payment via email to XXXX, which I did on XX/XX/2022. I also emailed a " Notice of Error '' to the same email address. Neither email has caused SLS to resolve the issue and now the incorrect payment amount is past due and I can not get the issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
After reviewing my credit reports I noticed that it was an account from XXXX XXXX XXXX reporting negative on my report. I reached out to Bull City Financial Solutions , IncXXXX along with their CEO XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX on multiple occasions to get more clarification on the unknow debt, plus to figure out how they are furnishing negative remarks on my credit report without even sending me any type of written notice. 

My attempts have seem to fall on deaf ears without any proof of verification of this debt or that they followed all laws and regulations to report the account in the first place. So I am placing this complaint with your organization with the hopes that they will finally respond with the valid proof that I owe them anything and they have the legal right to be reporting this negative information on my credit report. 

The location communications were sent is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX. 
I also disputed it with the credit reporting agencies, and it seems like the odds are stacked against me because a company can say verified without any real legal proof and the credit reporting agencies just take the companies word for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Aspen Properties Group, LLC
State: MA

Complaint narrative:
Aspen Properties Group LLC offered me a loan modification on XX/XX/2022. Aspen failed to send me the loan modification documents via certified mail as is required by law. Aspen then went on to conduct a foreclosure sale of my home on XX/XX/2022. Aspen is required to send the loan modification documents via certified mail and allow me 30 days to review the proposal. I never received the loan modification documentation from Aspen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a copy of a police report verifying that the account which is listed as XXXX XXXX Was open in my name. I have explained to them that I have no knowledge of this existing account. I have provided to them a copy of a police report via fax, and email, yet this credit agency refuses to delete this in accurate report off my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a savings account with Citi Bank under the premise that they will provide a promotional bonus of XXXX dollars upon my deposit of at least XXXX dollars and keep it in the account for 3 months. I met this requirement and it has been 7 months and I have not received any bonus amounts. I have reached out to Citi for this, and they are requesting a promotion disclosure document as evidence. I did not receive such a document as Citi had advertised this promotion to me on their " Offers For you '' section on their webpage. 

I feel very misled by Citi ; it is simply impractical to keep screenshots and documentation of my internet browsing history, just on the off-chance that a banking institution requests this proof to honor their explicit offer to 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 monetary relief
Consumer complaint received 2022-10-06 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: NCB Management Services Inc.
State: AZ

Complaint narrative:
Also have my mail going to other addresses or packages going to other addresses l requested for it be remove or updated and they refuse out right!!! Still have this problem

Company response to consumer: Closed with explanation