vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was double charged on my citi credit card. On XXXX XXXX, XXXX I was charged {$240.00} for a purchase that I made with XXXX XXXX. On XXXX XXXX, XXXX I paid this off in full. I did not place a follow up order. However, in XX/XX/XXXX I was charged {$240.00} for an order that I did not place or receive. Citi sent me a letter wanting more information but did not send the mentioned information that I needed to make a reply. Their letter did not make sense. They recended a credit they had issued for the {$240.00} saying I had received the merchandise, which I had not. I have always paid for things that I ordered, but I did not order a second shipment from XXXX XXXX nor did I receive one. I can not afford to pay this, and will not even though they want to ruin 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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I applied for a refi with M & T bank. They sent closing documents which we signed committing to the new loan with the new loan rate and mortgage amount. They had the appraisal done. They called today XX/XX/22 and said they would not put the loan thru ( after we signed paperwork ) and that the garage was having work done and so it did not qualify. I would understand if they were not already on the loan, or if the garage was not being fixed, but this makes no sense. I worked with a man named XXXX who did not speak XXXX very well, and he seemed to have some issues with me being a XXXX  mother with XXXX children. I think I am being discriminated against, as this issue of the garage should not affect the appraisal or the loan being issued as like I said, they are already on this property. They also refused to send me the appraisal. They are saying they will not put through the refinance, or refund the money spent to do this refi of {$600.00}.

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 2022-03-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account is inaccurate and false reporting. Please remove it from my credit report. 



XXXX  XXXX Bankruptcy / XXXX/ {$0.00}

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
My mortgage statement and payment coupon are not delivered to my house in time for me to make an on time payment on my mortgage. I have complained numerous times to Select Portfolio Servicing Inc.. The company representative states that SPS Inc. is within their rights to delay the generation of and mailing of my statement and payment coupon beyond the grace period date, and that the delay should be blamed on the United States Post Office poor service. The company makes no allowance for my reliance on the USPS to return payment timely. The company stated that if I were to return payment beyond the grace period date, I would be charged a late fee regardless of when my statement and payment coupon was received by me. 

SPS Inc. representatives state that I could sign up for their internet based payment method. This is unacceptable to me. I do not trust a company, that does not care enough to mail a statement timely, would care enough to safeguard my banking and other personal information online. 

I have to wait by the mailbox daily hoping that my statement and payment coupon will be delivered in time for me to immediately write out a check and return to them before the date a late fee would be charged or worse, be recorded and reported late to credit agencies. 

This intentional delay causes undue stress on me. This intentional delay unfairly enriches SPS Inc. as my payment is posted to my account, after the first of the month, every month. 

I would like the CFPB to address this important issue with SPS Inc.. SPS Inc. acknowledges slower mail delivery, it is incumbent upon this company to adjust the date that my mortgage statement and payment coupon are printed and mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation
State: CO

Complaint narrative:
Had my identity stolen to open ( 8 ) fraudulent credit cards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act U XXXX DEPT OF ED/XXXX  Account XXXX XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX Account # XXXX, XXXX XXXX DEPT OF ED/XXXX  Account # XXXX, XXXX XXXX Account # XXXX has violated my rights XXXX 

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: KY

Complaint narrative:
Upon reviewing of my records, the following account is erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 



XXXX / XXXX / {$530.00}

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 2022-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Equifax reference # XXXX They have locked me out of my online account. Message says to call in. Dear Equifax, I REFUSE TO SPEAK TO YOUR OFF SHORE CALL CENTER ABOUT MY PERSONAL INFORMATION THAT IS SEALED BY A COURT IN OREGON. YOU ARE IN SEVERE VIOLATION, AND I INTEND ON OBTAINING AN ATTORNEY SOON.  Equifax REFUSES to update my court ordered name change that is a SEALED record. I wrote them in XXXX, but they disregarded the letter. It is my intention to find an attorney to file a lawsuit against Equifax because they are jeopardizing my personal safety by REFUSING to update my records. In the meantime I need credit TODAY. I have excellent credit, and have twice been denied credit 100 % due to Equifax 's error. They are lying when they say I do not have a file. I do have a file. They continue to lie, and refuse to fix this problem. CFBP WHO ARE YOU. WHY AM I COMING HERE TO NEVER GET HELPED. WHO CAN HELP ME???????????????????????????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The Experian reporting agency is an absolute nightmare to work with. Their voice menu system is completely counter productive and it is impossible to reach a live person. My account was tied back a fraudulent recovery e-mail and I still am unable to access it as I can not get any type of support. However if I am a business I would have had no problem reaching a person. Because of this I am unable to enter a dispute regarding my credit report. I believe this is illegal activity.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX, I was scammed by a guy who we thought worked for XXXX. The purpose for calling XXXX was to reverse some charges to my bank account. The result of the scam I was defrauded out of {$6400.00} out both checking accounts. I contacted PNC immediately on XX/XX/XXXX, trying to stop or freeze all those tractions that were made and was told that they couldn't do anything until after the charges left pending and then I could file a dispute. Once those charges left pending on XX/XX/XXXX, I filed a dispute of which was determined as valid transaction therefore my dispute was denied on XX/XX/XXXX. I am now trying recover what monies that I lost and I feel that if PNC had stop or froze those transaction I could have recovered the money that I was defrauded out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
When we ( my husband and I ) initially purchased the house it was with XXXX XXXX  and a month after we closed on the house, it was sold to Shellpoint/Newrez. The house was constructed in XXXX, they paid the taxes of the property in XXXX, which did not include the new information of the house. They returned money to us, from the escrow account in XXXX for {$3100.00}. I called the mortgage company to find out why they sent us this check, since we are first time home buyers, they said it was because it is an FHA loan, the amount in the escrow account for the insurance and taxes could not exceed over {$50.00}. Due to an error on the mortgage company 's behalf, around the beginning of XXXX they lowered our mortgage from {$1300.00} to {$1100.00}. As a result, we contacted the mortgage company to inquire why the mortgage payment decreased. 
The mortgage representative informed us that there was a payment error and related what the correct amount would be in order to pay the loan, taxes and insurance on the house at the end of XXXX. As a result, the mortgage company paid the taxes on the house and this included the construction cost of the house. The mortgage company paid {$3000.00} on XX/XX/XXXX. When we attempted to make the payment on XX/XX/XXXX, we realized that our Mortgage payment increased substantially from {$1100.00} to {$1500.00}. We immediately contacted the mortgage company the same day and advised them that this is causing a financial hardship. Due to the fact that we had no knowledge that the mortgage payment would increase substantially and furthermore ; this was not an error committed on our behalf. The error being that the mortgage company failed by sending us a check without first accurately verifying how much we would be responsible for paying taxes on the house within our county. The mortgage company advised us that they would be conducting an investigation and that they would would be following up with us within 5 to 6 business days. Unfortunately, it has been 7 business days and we have not received any type of update or notification on the matter.

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 2022-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
CITI CARDS/CITIBANK Account number XXXXDate opened XX/XX/2017 {$210.00}

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 2022-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
My mortgage was transferred from XXXX XXXX to Mr. Cooper. I have a loan payment due XX/XX/XXXX but Mr.Cooper is unwilling to accept payments till XX/XX/XXXX. If I paid my loan on XXXX first as I intended to, my principle balance would be reduced on XX/XX/XXXX and therefor the outstanding interest due on XX/XX/XXXX ( for the month of XXXX ) would be less. XXXX XXXX will not accept any payments after XX/XX/XXXX. I will, because of no fault of my own, be charged more interest for the month of XXXX than I would have been if I was able to make my payment on XX/XX/XXXX. This is wrong and unfair. Additionally I called Mr. Cooper, talked to XXXX different people and explained this to them and they told me I was wrong and I cant make a payment till my loan is transferred over. If I am wrong then I am being overcharged interest based on the outstanding amount of my loan after the date I make my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: TX

Complaint narrative:
XXXX XXXX XXXX has continued to report this account on my credit report as open and 90 days late for the last 3 years. I have disputed this account through credit report as well as cfpb numerous times over the last 3 years and it keeps coming back as verified and correct. At this point it has caused me to lose out on business chances and lose out on my home. When this is incorrectly reporting on my report and is a violation of FCRA. 

Account # XXXX Account # 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 2022-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act : XXXX XXXX  Account # XXXX  {$450.00}, 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
XX/XX/XXXX a wire was sent. The recipient did not receive. The bank has been useless in resolving this matter and basically said just to wait. I have followed up multiple times over the span of 2 weeks. Review the e-mails please. Provide customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 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: FL

Complaint narrative:
I am requesting XXXX XXXX XXXX for closed acct # XXXX to remove the wrongly and false accusation of a late payment prior of closing account. XXXX XXXX the payment was not late and proccessed prior to account closure date. this is affecting my credit report.

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 2022-03-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchony Bank issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # 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 2022-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
THIS IS A CONTINUATION FROM CASE NUMBER XXXX, I KNOW THEY FOLLOWED UP ABOUT DELETING THIS ACCOUNT THAT WAS FURNISHED INACCURATELY, WHICH THEY DID REMOVE THIS ACCOUNT. I AM SEEKING MONETARY DAMAGES BECAUSE AT THE TIME IT BEING FURNISHED I APPLIED FOR CREDIT AND I WAS DENIED BECAUSE OF THIS BEING FURNISHED ON MY REPORT. I AM SEEKING MONETARY DAMAGES AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: FL

Complaint narrative:
I applied for an emergency loan thru mobiloans.com on XX/XX/2021. The loan is in the amount of XXXX. I have made 4 payments totaling XXXX and they are still reflecting my balance still due of {$2000.00}. They are charging me an ( APR ) : 469.44 % making it so this loan will never be paid off. They are taking XXXX every payday on the XXXX and XXXX each month totaling XXXX per month. 
This is causing my family extreme hardship and the fine print was not clearly explained to me, however by anyone 's terms we can see that this is predatory lending and irresponsible practices

Company response to consumer: Untimely response
Consumer complaint received 2022-03-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I began an auto loan transfer to Capital One Auto Finance ( XXXX ) for {$23000.00}. XXXX paid the wrong bank, took them several months to resolve. XXXX then began to report to the credit agencies that my payments were late, even though I was STILL making payments to original loan company. XXXX then closed the account, when the transferred occurred, so I couldn't make payments. Then XXXX created dual accounts for my car loan. Closed one account and entered it as " repossession '' into the credit reporting agencies, while I'm simultaneously entering into a settlement agreement on the same account which XXXX reported as repossessed. 

On XX/XX/XXXX and XX/XX/XXXX XXXX sent settlement agreements. On XX/XX/XXXX sent a payment due notice. On XX/XX/XXXX XXXX  sent a " default and right to cure letter '' AND on XX/XX/XXXX XXXX also sent a repossession notice. If not for my CONSTANT CALLING XXXX, they would have illegally repossessed the vehicle. 

XXXX is now advising that I need to file a dispute with the credit reporting agencies, to correct their mistake of the two accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To whom it may Concern I want to file an executive complaint against all three credit bureaus I have reached out to the Three Credit Bureaus To have these fraudulent negative items deleted that is negatively impacting my score Ive asked them to remove the negative items from my credit report numerous times after so many failed attempts to have the derogatory items and remarks removed from my credit report that was made fraudulent due to identity theft that Caused these negative items on my credit report they failed to send me proof of the reasonable verification process of proof how these accounts were validated or verified I have all my proof and documents to provide

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