vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-24 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: CA

Complaint narrative:
I disputed an item on my Experian credit report for " XXXX XXXX '' on the grounds that the company never loaned me any money or provided me any service. This is a " credit repair '' product for people with bad credit. It seemed fishy to me, so I decided to not proceed with the program. The " bank '' never loaned me any money, never provided me any good or service, and I never received any credit card from them. 

I explained all this to Experian and asked them to remove the " missed payments '' and this account from my report. I didn't pay anything to " XXXX XXXX XXXX because I never borrowed anything from them! Experian declined to remove the bogus entry and it remains as a negative mark on my report. 

I request Experian remove this account and associated negative information from my credit file.

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 2022-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
My mortgage is serviced by : Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I was contacted by a representative in XX/XX/XXXX asking if I wanted to take advantage of the assistance program due to COVID-19. Since I had lost my job I had for 10 years I was most interested in the program. I asked to questions : Will this in anyway cause me to lose my home or put my home in jeopardy in anyway? NO Will this cause my mortgage payment to go up? NO The representative said : You will get a loan modification or the back payments will be put on the backend of the mortgage. I said : Put the missed payments on the backend of the mortgage is fine with me. 
This is all the information that was given to me, the rep. said : would you like for me to fill out the application for you now? I said : Yes. I never signed anything or received any document to sign. Nor was I told that this is called XXXX! I have never heard of forbearance. I had no idea what I was accepting. I spoke with SPS every month, one day a rep told me that I should start making the Escrow payments, so I did for 6 or 7 months. Then a rep told me I should be making payments to the principal rather than the escrow. So I did. I was calling SPS every month making payments over the phone until XX/XX/XXXX. On that day the rep said : we can't accept you payment! Why? Because it has been turned over to an attorney for foreclose! Why? Rep : we don't know, the owner of your mortgage has made that decision. I asked who owned the loan, she said she could not give that information over the phone but would mail a letter. The owner of the loan is : XXXX XXXX XXXX XXXX  XXXX, as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series XXXX. 
I called XXXX XXXX XXXX XXXX  XXXX, I was told they would not talk to me that I could only communicate with SPS. 
On XX/XX/XXXX, I spoke with another SPS rep, who told me I could go back into Forbearance, I said : I don't want anymore forbearance, I want to make my payments. She said : If you back into forbearance it will take you out of the foreclosure process and it will give you time to get this situation taken care of. I did that. I am in Forbearance, MAKING my PAYMENTS every month! I have spoken to XXXX attorneys, all have said this is a mess, they have lied to you and most likely you will have to sue. I am XXXX XXXX XXXX, I lost my job I have no way to afford an attorney. I was also told there would be no late charges or fees and no negative credit reporting. They are charging me attorney fees and other charges. I was told by taking the assistance program it would prevent foreclosure, instead it has caused foreclosure. And they have sent balloon payment statements.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I had received a letter in the mail from a collection agency ( National Credit Systems , Inc ) stating that I have a balance of {$990.00} from an apartment complex we were once residents at. The complex is called The XXXX XXXX  ( XXXX XXXX XXXX ). The letter stated that we owed money due to property damage. I called the collection agency outraged trying to find out why we were billed for such a large amount. And why werent we notified about the balance before or around the time of our move out. National Credit Systems told me that they didnt have the answers to that, but that they were the XXXX to collect the money. I tried to dispute it with them, but I was just given the run around.

Now the reason that Im making such a big deal about this situation is because around XX/XX/XXXX, around XXXX, I had casually bumped into one of the front office employees of The XXXX XXXX  ( At the XXXX that I work at. It was around the time I was getting off ). Who informed me that after we had moved out, XX/XX/2016, a family of possums had moved in the vacant apartment and in the employees words Tore up everything, they tore up the carpets, the floors, and even the walls. The employee also went on to tell me that they were having a hard time renting out the apartment because of the rodent problem. Saying that the carpet needed to be replaced and other things in the apartment due to the damage the possums caused. The collections agency asked for the walk through paper. But I didnt have the final walk through because on the day we moved out the property XXXX XXXX XXXX XXXX was not in. The XXXX XXXX told us that because she wasnt in they would call us to go back for the final walk through. But we never received an email or a call. In addition to the miss call for the walk through, we never received a call after we moved out informing us that there was property damage. I never received a call or an email about a {$990.00} dollar fee that needed to be paid. All we got was a letter 3 months later, from a collections agency stating that I owed a balance for an outrageous balance. 

I feel that we have been treated unfairly in the situation. Please help us any way possible, it would be greatly appreciated. 

We eventually came to a agreement and I paid a payoff amount national Credit System were willing to accept but it is still showing up negligent on my credit and they letter XXXX XXXX sent me has a false amount, making it seem as though we didn't make a payoff payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
everyday calling including late at night and early in the morning about a debt owed, I let them know that it is being handle by my lawyer, not to call my number anymore and I still get the calls thats very disturbing...

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 2022-06-24 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/2022 I paid Macys {$140.00}, XX/XX/2022 I paid {$100.00}, and XX/XX/2022 I paid $ XXXX. Macy reported to XXXX  that XX/XX/2022 I was 30 days past due for account. This is wrong I was not 30 days past due for XXXX. 

I spoke with XXXX # XXXX he inform me an online account was open in my name I told him I had no knowledge of opening any online account and I never sign anything not to received bills in the mail. I ask him to up date my address and send me all information they have about the onlin account he told me to get a lawyer and have them contact macys their nothing he can do to help my.

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 2022-06-24 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MO

Complaint narrative:
On XX/XX/23 I opened my Discover app to check my current account status. I noticed 2 withdraws out of my savings account, one for {$2500.00} and then another for {$2400.00} from a XXXX  XXXX company. I then called the customer service line immediately. The customer service rep froze my accounts per my request but said he cant do anything about the withdraws and that I need to talk to the security team. He said the wait time was approximately 1 hour and asked if it would be ok to wait that long, if not to call back the security line directly from XXXX to XXXX XXXX. I took the number down but told him I am more than concerned due to the amount and would be wiling to wait. I was on hold for 3 hours and 32 minutes to have the call dropped. I had to continue working so I had my wife call and she had almost the identical experience, around 3 hours and 11 minutes on hold and her call was dropped. 

After not being able to reach anyone on XX/XX/23 I decided to call at XXXX XXXX  XXXX the XXXX number given. I finally reached a customer service rep after being on hold for 28 minutes. This rep told me that she couldn't help me and that I needed to call XXXX to get help with that. I said " I wish I could screen shot my phone and send to you right now because this is the number we are on ''. She said right but the security folks are not available until XXXX XXXX  XXXX. I then asked so you are requesting me to call back in 15 minutes to be able to speak to someone in security. She said yes. 

I called back 15 minutes later at XXXXXXXX XXXX XXXX to receive the automated message that they are experiencing a high volume of calls at the moment and to speak to a specialist would be over 3 hours. I hung up as I had to go to work and had my wife call. My wife has been on hold twice today now for over 3 hours. I still dont have any resolution or any way to get ahold of anyone to discuss this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: IN

Complaint narrative:
Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate 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 2022-06-24 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: IN

Complaint narrative:
Tried resolving and removing personal information that isn't mine. Been a victim of identity theft. Won't remove or delete inaccurate 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 2022-06-24 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: MS

Complaint narrative:
Fraudulent accounts reporting on my XXXX Equifax XXXX XXXX credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX  XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX. XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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: MS

Complaint narrative:
Fraudulent accounts reporting on my XXXX XXXX XXXX Experian credit reports. 

XXXX XXXX XXXX XXXX {$9700.00} Inquiries XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XX/XX/XXXX {$46000.00} XXXX XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XX/XX/XXXX {$5100.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XX/XX/XXXX {$1600.00XXXX XXXX XXXX XXXX XX/XX/XXXX {$3200.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00XXXX XXXX XXXX XX/XX/XXXX {$9700.00} XXXX XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXXXXXX XXXX  # XXXX XX/XX/XXXX {$390.00} XXXX XXXX # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$17000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX. {$46000.00} XXXX XXXX # XXXX XX/XX/XXXX. {$5100.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX {$8000.00} XXXX XXXX  # XXXX XX/XX/XXXX {$2500.00} XXXX XXXX # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  # XXXX XX/XX/XXXX {$1700.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1600.00} Inquiry XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
XX/XX/2022 - I received a call from an associate claiming to need verification of information in order for my accounts to remain active. I advised that had already been completed these steps. The associate was nonchalant with regards to continuing the call inspite of the threat to terminate my accounts, and without any confirmation of previous step completion. When asked why I was contacted and advised my accounts would be closed, I was told " that's the facts ''. I then asked to speak with a supervisor and was transferred to " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

She then advised she could remove the flags, again without confirmation that the steps were completed, and no reasoning on repeated calls. When I requested to speak with someone in a higher position, she refused and said she couldn't transfer the call. I asked to speak directly with her supervisor and that request was met with lies and deceit. These actions make me question the integrity of the company, and the adherence to regulations in place. XXXX requires that a supervisor be available, or an option to leave information for a callback promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
The general service and security reps have created big problems for me, without explanation. They are demanding a XXXX form from the IRS, and say they will not allow me to review or manage my account until they receive it. 

I have been locked out of my account and I have no way to see my transactions or even make a payment. Prior to this lock-out, I made {$17000.00} payment transfer from my XXXX XXXX XXXX account this past week. Barclay even called XXXX XXXX with me on the line to verify the account belongs to me and it was confirmed by XXXX XXXX. This week I have a $ XXXX credit from a return that is posted on the account, and the bank is not allowing me access to it. Their security department says it will be at least 30 days before they will consider giving me access to my funds. 

Management has called me today and stated they wish to have the hold removed because they verified my identity and that my use of the card is not fraud, but security is unavailable to them. They state they have no direct access to the security department and have to wait on hold to fix the issue. 
I have been a loyal customer for many years with this company, have excellent credit history and a high credit score. I am paying on time, and have had not a single delinquency on this account or any other credit card. 

I need immediate access to my account management and funds.

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 2022-06-24 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: GA

Complaint narrative:
I was trying to apply for a car and I was told that my credit would not be checked however I have several unauthorized inquiries.

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 2022-06-24 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: GA

Complaint narrative:
I was trying to apply for a car and I was told that my credit would not be checked however I have several unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In speaking with Bank of America I letters were being mailed to me which I have never received. Also letter from XXXX regarding funds were sent to my home address which I never received. The funds were transferred to my account, BOA cc paid that I do not own as well as $ XXXX transferred to XXXX XXXX  XXXX XXXX account that I do not own. 
I received a letter on XX/XX/XXXX informing me that I would have to pay $ XXXX on income not claimed in XXXX which was I learned then stolen from my 401k account. I have contacted the local police department, my 2 banking institutions, XXXX ( 401k company ), postal service and credit bureaus. Any assistance in this matter would be greatly 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 explanation
Consumer complaint received 2022-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I checked my balance on XXXX  XX/XX/XXXX with my Capital One Checking account and saw that someone had used my debit card number to order {$850.00} worth of XXXX XXXX  and XXXX. I dont have an XXXX XXXX  account and my last XXXX order was in XXXX. Then saw that they used the card to buy fake hair extensions for {$580.00} from a company in XXXX. Totaling {$1400.00} stolen out of my account. This happened within two days. I called as soon as I saw the fraud and filed a report. Clearly this isnt normal. Instead, they denied my claim and said it was within my normal spending habits and I took to long to file a claim. Who spends over {$800.00} on food delivery in 2 days? With multiple transactions back to back all day long for two days. Capital One saw nothing wrong with this. Then a {$580.00} purchase for womens hair extensions in XXXX. Im a male with a buzzed head. Why would this be me? Or how. After they declined my claim, I called back to get information and re-opened the case with more researched facts that they could use. I had to investigate myself and find things for them. Emails, phone numbers, contacts. They just declined me again yesterday. Im in complete shock that a bank would do this to someone. Ive never filed a claim with them. That money was suppose to pay my rent and it was stolen and my bank is doing nothing to help me. They dont care that I was stolen from, as long as they dont have to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/2022 I paid XXXX {$140.00}, XX/XX/2022 I paid {$100.00}, and XX/XX/2022 I paid $ XXXX. XXXX reported to experian that XX/XX/2022 I was 30 days past due for account. This is wrong I was not 30 days past due for XXXX. 

I spoke with XXXX # XXXX he inform me an online account was open in my name I told him I had no knowledge of opening any online account and I never sign anything not to received bills in the mail. I ask him to up date my address and send me all information they have about the onlin account he told me to get a lawyer and have them contact XXXX  their nothing he can do to help my.

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