vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-19 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 — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Hi I had fraud in my Citizens Financial Group. credit card ending in XXXX. This happened back in XX/XX/XXXX and XX/XX/XXXX. On the XXXX there were 2 charges made for {$2900.00} and on the XXXX for {$1400.00} and all of these 3 transactions were unauthorized charges and were made without my knowledge/consent. I had lost my wallet and in it my credit card and ID. I sent Citizens the police report that I filed at the time, I also told them I am willing to sign an affidavit stating that these transactions were made without my consent but bottom line Citizens still didnt give me credit back for this and are holding me responsible for this. These transactions happened overseas. I have been fighting about it ever since and I am trying to get to the bottom of this. They have been very unprofessional and I have the hardest time trying to reach out to a representative that I can talk a discuss the matter. 

I dont know what else is it that you these guys need from me. I told them to try contacting the merchant, check cameras, whatever it is that they need to do. I just want to get to the bottom of this and I want the credit back into my account. I will keep fighting this and appeal it cause I wont be held responsible for any unauthorized transactions. 

If theres anything you can do to help, please. 

Thank you My kindest regards to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank XXXX XXXX XXXX, in XXXX XXXX, SD, XXXX will not acknowledge the fraud, Identity, and credit card theft of my Citibank XXXX credit card on XX/XX/2020. This fraud occurred while I was on a website XXXX XXXX XXXX chatting with a subcontract chat person working on the site. Unknown to me, she was part of a scam group that tells visitors ( me ) to download a program called " XXXX. '' The scammer says to download this program required to have a group chat, which I did. However, the program is actually ( unknown to me at the time ) is a computer troubleshooting application for technicians to enter one 's computer to solve hardware issues remotely. While I was chatting with the person, she was able to enter my account at the internet site without my awareness and stole my credit card. At that time she purchased several large amounts of " tokens '' ( totaling XXXX tokens in about 30 minutes! A breakdown of the valid and fraudulent tokens posted to her account was listed on the site. Note, most tipping by chatters is approximately 15 to 20 tokens per 20 minutes. The perpetrator then posted the tokens to her account for her profit, charging my credit card {$3600.00}! I have not paid this charge. Because of interest accrued, the amount now due is {$4100.00} per the XXXX Citibank statement, as of the closing date of XXXX XXXX, 2020. My credit rating dropped over 100 points because I will not pay the fraudulent charges! Citibank has given various inconsistent reasons why I am responsible, over several months, all of which are completely incorrect because of their refusal to accept the charges were fraudulent. They state I was aware of the intrusion (! ), and I charged this amount for a service obtained. In actuality, I " tipped '' the person only {$9.00} ( XXXX tokens ) for a chat interaction over a period of about one hour. No other tips were given! I am angry at Citibank because this group will not reverse the charges. Citibank has not followed the credit card fraudulent pertaining laws, nor have they followed their policy of not charging a credit card consumer when there is fraud involved on a credit card!!

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 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: VA

Complaint narrative:
ALLEY FINANCIAL XXXX. XXXX XXXX, XXXX, MN XXXX. 
Subject : a/c no XXXX auto loan XXXX I KINDLY REQUEST YOUR OFFICE TO SEND COPIES OF PAYMENT HISTORY FOR THE LAST 18 MONTHS AND YOUR RESPONSE TO MY COMPLAINT SUBMITTED VIA CONSUMER FINANCIAL PROTECTION OFFICE AND OFFICE OF THE COMPTROLLER DETAILED LOAN HISTORY. 
TO MY ADDRESS AS FOLLOWS : XXXX XXXX XXXX XXXX VA XXXX HARD AND SOFT COPY TO XXXX ARGUMENT : AS YOU ARE WELL AWARE I COMPLAINED ABOUT ALL PAYMENT HISTORY PAID AND MISSED POSTING OR ANY OTHER MISTAKES TO CONSUMER FINANCIAL PROTECTION OFFICE, STILL I DID NOT GET CORRECTIVE MEASURE BY THIS BANK IN WHICH CASE MY BALANCE IS ONLY USD {$1400.00} INSTAED OF {$8500.00} PLEASE ADJUST THE BOOK AS SOON AS POSSIBLE. SECONDLY, PLEASE SEND ME A PASSWORD RESET TO MY XXXX ADDRESS ( XXXX XXXX SINCE YOUR ONLINE SYSTEM DID NOT LET ME DO SO. 
XXXX XXXX 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 2020-11-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Compliant of fraud against Champion Mortgage ; XXXX. 

On the XXXX of every month I pay Champion Mortgage on my loan at the rate of {$140.00}. However, this month was especially difficult because of unforeseen medical bills. Since I had not paid Champion this month, XXXX, XXXX, I called customer service and requested they defer this months payment until next month, XXXX XXXX. I was told Champion would agree to this. Assuming this was correct, I went to XXXX and XXXX to make purchases, but my XXXX XXXX debit card was declined. When I called XXXX XXXX, they told me the {$140.00} had been posted to my checking account, which exceeded my available balance, now at negative {$95.00}, ( including overdraft fee of {$35.00} ). This action was in direct opposition to what Champion agreed to. I called Champion again to ask why they posted the payment anyway, after telling me they wouldnt. I was told it was a mistake, and that a refund of {$140.00} would be issued in two or three days. This has not been done as of XXXX. 
I reached out to Champion several times, reminding them : I am XXXX years old on XXXX and have no other income except Social Security. Please refund this payment to help me avoid additional hardship. 

Update addendum : XXXX As stated in the aforementioned, I was promised by Champion Mortgage they would accept deferral of my XXXX, XXXX payment of {$140.00} until XXXX, XXXX ( when I received my SS deposit to my XXXX XXXX checking account ). Reason being, I did not have enough available funds to cover the payment to Champion, as of XXXX, XXXX. This morning, XXXX, I was informed by Champion, the refund was declined. Champion told me the deferral would be effective next month, not in XXXX. This is not what Champion verbally agreed to, Besides, if this was normal policy, why was I not informed of this at the time I requested the XXXX, XXXX payment deferral. I would not request a XXXX deferral to help add available funds in XXXX. This makes no sense. 
This action if not rectified would cost {$95.00} badly needed funds from available SS deposit in XXXX. 
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Fl ; XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I had an identity theft issue a few years ago. I have alerts on all my credit report and have had freezes on my credit reports. This has been an ongoing nightmare. Someone opened an account with XXXX  XXXX through my name. I contacted them years and going forward that this is an identity theft issue and the charges are unauthorized. They have refused to remove from my credit report on top of doubling the debt with fees and interest. The account is now in collections under the second collection agency to try to harass me for this debt that is not mine. The company that now has the debt is LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX. 

They have called, sent letter and now keep ruining my credit with their collection account. I need this account removed as per the fair credit reporting act, they are not allowed to report inaccurate accounts that have been reported to FTC and police as identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Accounts Receivable Consultants Inc.
State: TX

Complaint narrative:
I received the letter in the mail, then called too see what the letter was in reference to. I was told it was my portion after my insurance paid their portion. 

I was asked to pay {$500.00} that day, I stated I was unable to pay the full amount, then harassed talked down too. Threatened that I would be reported to the credit bureau. 

I paid {$100.00} at that time, and told the representative I would pay every two weeks. She the told me the only way I could make payments arrangements ; would be to give her my bank information, and I declined too do so. 

I was contacted by Ms. XXXX XX/XX/2020 in refence to paying the account off. That's when I decided to contact this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I spoke to a customer service representative today regarding my XXXX card, XXXX XXXX card, XXXX card and my wayfair account. I requested the special payment program as explained to my husband per a recent phone call. I was XXXX  over the past 45 days after I contracted XXXX in XXXX 2020. My husband attempted to contact Comenity Bank on several occasions during my illness to make a payment on the account or to discuss the account and options that might be available. I understand my husband is not on my accounts, however, he attempted to explain the situation and only asked that the customer service representative document the phone, which they did not. Comenity bank has since reported the delinquencies to the credit bureaus prior to me being able to contact them directly. I am requesting that Comenity Bank please remove the 30-60 day delinquencies that are currently being reported in good faith. While I understand this is common business practice, I also understand the current state of the pandemic and that many individuals, like myself, will be impacted by the late payments and my future ability to obtain credit. XXXX XXXX, the holder of my other credit accounts, was beyond compassionate and immediately removed any delinquencies from my credit file as well as any late fees associated with these accounts. I am asking for your compassion to do the same

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 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: DC

Complaint narrative:
My complaint pertains to certain and possibly discriminating business practices associated with the TRANSUNION BUREAU AND XXXX XXXX. 

The problem for me and possibly millions of other people is that the TRANSUNION CREDIT REPORTING BUREAU is using a hamstrung tactics to force a costly use of their credit monitoring service, which sells at $ XXXX  monthly subscription. 

The company deliberately provides inaccurate low credit scores freely through third party marketing portals, to force a consumer 's costly subscription to their database. As was in my case, getting a very low Transunion credit score from XXXX, led me to make $ XXXX  monthly subscription to check on the accuracy of my credit score. 

With the monthly subscription, I was then able to dispute the inaccuracies which appeared deliberately held unto by Transunion, because those records were not found on my XXXX AND XXXX REPORTS. I then was able to raise my score from around XXXX to XXXX, between XX/XX/XXXX to XX/XX/XXXX. But immediately following my cancellation of the monthly subscription a few months ago, my Transunion credit score immediately dropped from XXXX to XXXX, as recently discovered from the XXXX XXXX  decline letter following my application for credit. 

The XXXX XXXX  appears to mainly base credit offer decisions on Transunion reporting, than XXXX and XXXX, considering that the bureau appears schemed to a low consumer credit scores for possibly certain demographics of people. 

The XXXX XXXX  is presently the largest holder and issuer of the majority of consumer credit cards in America, for most private label brands. The bank appears schemed towards a high interest credit market, using the misreporting of low credit scoring from Transunion. 

I presently average a XXXX credit score at the XXXX and XXXX database but find it difficult to get a credit approval because of the Transunion reporting low score. It's crazy and hurtful that this company is deliberately holding and stacking incorrect, inaccurate and derogatory information to lower people 's credit scoring, for higher interest rates.

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 2020-11-19 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: Credit Technologies, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, CREDIT TECHNOLOGIES INC. add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per 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 2020-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Trans union has posted incorrect balances I want those updated and current period XXXX and XXXX XXXX are posted with the balance and the crediters have a balance of XXXX  and close I want transmission to update my credit report as it is very important for 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 explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX. In my disputes I have requested that they investigate the account and the amount, because I believe that the services were illegally used by the landlord or new tenants long after I moved from the address this account is related to. I.C. Systems is erroneously reporting that my balance is {$5100.00}. The last date in which I disputed this account was XX/XX/2020.

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 2020-11-19 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:
Equifax continues to report an account with XXXX with a balance of {$40000.00} since I only see it on XXXX XXXX it does not report an account number. It shows I was an authorized user which I was unaware of anyone placing me on this account. This is not mine and it should not be listed on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I have repeatedly disputed a bill with I.C Systems who is a 3rd party debt collection company for the XXXX XXXX XXXX In my disputes I have requested that they investigate the account because I do not believe that this account is mine services were possibly illegally used by someone else. I.C. Systems is erroneously reporting that I owe {$720.00}. The last date in which I disputed this account was XX/XX/2020. This company refuses to do proper investigations and has completely ignored request for proof and investigations.

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 2020-11-19 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, XXXX XXXX XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX  XXXX add a hard inquiriy on my credit report per XXXX  and XXXX. 
On XXXX XXXX, XXXX, XXXX add a hard inquiriy on my credit report per 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 2020-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2020, I requested a copy of the loan modification contract. Servicer 's are to comply with any servicing request, however Select portfolio Servicing has yet to comply. The request is quite simple, need copies to the loan modification contract i signed with previous lender. When a loan is sold or transfer to another servicing company, all contracts remain the same therefore Select Portfolio Servicing does have this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
The Bank of America prepaid card Edd card is issued and I cant log into the bank account and pay for bills also the pandemic relief is not going through the account for deposit and someone else is using the card

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 2020-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bayside Capital Services, LLC
State: CA

Complaint narrative:
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Closed. {$2500.00} written off. 

Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment {$0.00} Original Balance {$2600.00} Highest Balance {$0.00} Terms 47 Months

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: FL

Complaint narrative:
Good Afternoon, My Name is XXXX XXXX and Im writing in regards to my outstanding student loan. 
My first complaint relates to the COVID payment Deferment. I have had a loan from XXXX and have defaulted in the past. However I have maintained consistent payments over the past 9 years. My question is when this COVID law took place in XXXX of XXXX ( allowing loan holders to defer payment/ interest halt XXXX per the article from consumer reports-why was my tax refund taken in XXXX of XXXX? Every year For over 6 years the XXXX XXXX New Jersey Higher Education, take my entire income tax refund 100 % of it. My taxes were filed in XXXX and this law was in effect. If the government is deferring payments and or interest wouldnt you think this applies to taking tax refunds? Please advise. 

My second complaint is in regards to my loan in general. I have had a long history with XXXX XXXX and their deceptive policies. I was charged a enormous amount of interest on my loan for many years ... .and I have participated in a lawsuit- which never happened. I have reached out to numerous lawyers/ and student loan consultants but no one will touch my case. 
Im informed over and over again that because my loans are with the government, I really have no rights. If you can direct me to someone that can hear my case that would be great! 

I would like to hear your feedback. 
I can be reached by email or phone : XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation