vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: GA

Complaint narrative:
I got the loan in early XXXX with XXXX XXXX. They sold the loan on XXXX XXXX  XXXX to Flagstar bank. ( Flagstar will claim it was XXXX XXXX XXXX but I have documentation showing it was the XXXX. ) We were out of town until after the loan was closed, when we returned we were moving. From what I understood, we had 60 days leeway until we had to make a payment. I wasn't in a position to make a payment because of coming back and trying to move into the new house so I was planning on using some of that 60 days. 

Today is 26 days after flagstar purchased. I've received a notice from flagstar saying my account is overdue and has been forwarded to collections. I set up my online account and logged on. The site shows I can not make an online payment because the account is in collections. When I call, I'm told I have to make a phone payment with their collections agency instead of a normal payment because my payment is past due. 

According to your website my account can not be considered past due : 1024.33 part 33c paragraph 1 : " Payments not considered late. During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan ''

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 2023-07-26 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: AFNI INC.
State: MI

Complaint narrative:
I have not had an account with XXXX XXXX. I have been XXXX since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I have been getting calls since XX/XX/XXXX. I filed a report back on XXXX with FTC. I always have tried to ignore the phone calls but I got another call today about someone trying to deliver papers to my home. I said yes I would be home. 

Then someone called my husband at XXXX from XXXX stating they were called XXXX XXXX and they needed to talk to me about a lawsuit that was going to be filed under my name. The same person called then proceeded to call a family member of my husbands whom I don't have a relationship with at XXXX and stated the same thing to them. This was from the same number XXXX. ( XXXX XXXX XXXX ) I proceeded to call back because it was so annoying they called people that have nothing to do with me about my information. They then had me call XXXX and I spoke with a XXXX XXXX who transfered me to a gentleman stating that I had a debt from XXXX with amazon which I do not recall. he was stating he was going to file a lawsuit for my wages with my current employer and that if I had a dispute that then I would have to countersue them. He had my social security number, cellphone, and home address, and dob. 

These calls have been going on for such a long time and its freaking me out that they have all this information on me. 

The company is supposeldly called 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 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the XXXX XXXX XXXX to respond in writing within 5 business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 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: SC

Complaint narrative:
The following accounts below are listed as a Charge Off on credit reports. XXXX - closed XX/XX/XXXX - {$2700.00} XXXX - closed XX/XX/XXXX - {$1000.00} XXXX XXXX - closed XX/XX/XXXX - {$530.00} XXXX XXXX - closed XX/XX/XXXX - {$1700.00} XXXX  XXXX - closed XX/XX/XXXX - {$460.00} XXXXl XXXX - closed XX/XX/XXXX - {$1700.00} XXXX XXXX  - closed XX/XX/XXXX - {$3300.00} XXXX XXXX - closed XX/XX/XXXX - {$690.00} XXXX XXXX - closed XX/XX/XXXX - {$230.00} ++ All show as written off 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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This information is reporting on my Equifax credit report please remove it. 

XXXX XXXX XXXXXXXX XXXXk XXXX XXXX # XXXX A ) It is Too Old please delete it. 
B ) Its is Obselete please delete it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
First National Bank Of Omaha mis applied a {$6000.00} payment on XXXX that was applied to low interest balance instead of towards purchases that accrued on XXXX of {$16000.00} This reduced the balance of low interest portion owned instead of reducing high interest purchase portion

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 2023-07-26 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: EQUIFAX, INC.
State: IN

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
during the Pandemic, i got really sick, laid off and got behind at the end of my car note somehow they had me to sign a new contract. now a car that took five years to pay off added 5 more yaers and a whole XXXX i have already paid the XXXX, now the car is in the shop 5 years later i dont have the money to fix or pay another XXXX dollars

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.

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 2023-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
YOU VIOLATED THE UNITED STATES CODE LAW I REQUEST A REMOVAL OF UNAUTHORIZED INQUIRY 15 U.S Code 1681a ( 4 ) Consumer Right to Privacy You are reporting fraudulent accounts that arent actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.

FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. YOU ARE IN VIOLATION!!!

15 USC 1681n Civil liability for willful noncompliance you willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this. Willful compliance is punishable up to {$1000.00} per violation. 
18 U.S. CODE 1028A-Aggravated identity theft you shared my information with numerous creditors without getting my consent first. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. CODE 6802 ( b ) 1 ( a ) ( b ) ( c ) - Obligations concerning disclosures of personal information DID NOT DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY DECEPTIVE OF YOU!! You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I paid off my balance of {$10000.00} prior to the due date. On my next statement I received {$270.00} in interest. How can this be when I paid off my balance? They said I agreed to this when I signed up. I have never experienced this before, this seems like a new and unfair fee. They charged me interest TWICE on the same amount of money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Direct Mortgage Loans, LLC
State: MD

Complaint narrative:
We applied for a mortgage on the XXXX of XXXX the kept delaying while saying they are working with the seller. I was on text messages where they would not respond to him his calls and text went unawnser for weeks. Once it was done then they told him what they needed. They also told us to put ours for sale and has us sign an intent to sale. During the process we were told multiple times that it was being processed and then a week ago they ask for a paystub they had since the XXXX we sent them the verification link and the manager ask what I wanted him to do about it. He told me he was on vacation with his family and that I should not bother him during that. We then continued to go back and forth with many text and email requesting updates everyday and all we got was that they were working on it and it would be ok. On Tuesday 3 days before closing we got a call that it was sent to an outside underwriter without our knowledge or consent. We were told Friday evening it was still in house and that was after XXXX. Then we got the information that it was sent somewhere else at XXXX on Monday. We questioned with no explaintioncbut was told and I quote if I say anything I will " lose her goodwill '' other heard and can arrest to it being said as I have a aid here daily because I became XXXX in XXXX and that is why we are having to sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act 16, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within 5 business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within 5 business days I can assume that instructions have been completed.They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act 16,29 ( Civil Money Penalty ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023 ( tracking # XXXX ). Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act 16, 29, and the same instructionals as above. ( Notice of Default ) They received packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc.
State: PA

Complaint narrative:
I am writing this notice stating thank you for confirming that ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX is a debt collector. Congress has made it known in the Fair Debt Collection Practices Act ( 15 USC 1692 ) that there is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors including ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXXXXXX XXXX Since ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX  decided to infringe on my personal privacy to communicate with me without my prior consent pursuant to 15 USC 1692c ( a ). Pursuant to 15 USC 1692k any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} per violation. ALLIANCEONE RECEIVABLES MANAGEMENT INC./ XXXX XXXX XXXX as confirmed is a debt collector who failed to comply with and violate the Fair Debt Collections Practice Act ( 15 USC 1692 ), 18 USC 1028, 18 USC 1028A , 15 USC 1692a, and violated 15 USC 1692c ( a ), is liable to me in the amount equal to XXXX XXXX Dollars and XXXX Cents ( {$5000.00} ) by Law !

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-26 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: MD

Complaint narrative:
XXXX, Experian, XXXX are all reporting the following incorrect data on my credit report. 
Please apply these laws to my accounts : the Fair Debt Collection Practices Act Law 111-203, Title X, 124 Stat. 2092 ( 2010 ) Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 ACCOUNT NAME : XXXX XXXX ACCOUNT XXXX : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Collection/Charge-Off ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX REASON : Not my Account. Please remove it from my credit report ACCOUNT NAME : XXXX XXXXT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Closed/Late Payments ADDRESS : XXXX XXXX XXXX, XXXX, PA XXXX XXXX : Not my account Please remove it from my credit report ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TYPE OF ACCOUNT : Revolving/Open/Late Payments ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments. 

ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX DATE FILED : XX/XX/XXXX TYPE OF ACCOUNT : Installment/Late Payments ADDRESS : XXXX XXXX XXXX XXXX, VA XXXX XXXX : This account belongs to me. I never made late payments on this account. However, payments are showing up on my credit report as delinquent. Please change all late payments to on-time payments.

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 2023-07-26 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: PA

Complaint narrative:
I received a notice from LL Bean Mastercard and Credit Card Services ( account # XXXX ) informing me that my case regarding a dispute had been investigated and has been closed. The case # is XXXX. According to the documentation this occured on XX/XX/2023. The Merchants name accrding to the paperwork is XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone Number XXXX XXXX XXXX. The transaction amount is in the amount of {$410.00} on XX/XX/2023. The merchant reference number is XXXX. Refering to page XXXX of the dispute paperwork in question you will take notice that the majority of the page is in the Spanish language. The address and name are mine. But the other information is in XXXX. The transaction took place in XXXX XXXX, XXXX. I can not understand the rest of the information because it is in XXXX. I do not live, work, or stay in XXXX, therefore my card has been compromised. I am of XXXX and XXXX origin. I have no relatives or communications with any person or organization in XXXX. I have had no business or personal dealings with anyone from XXXX, living in XXXX, working, in XXXX, or otherwise staying in XXXX. On page XXXX there is a company named XXXX XXXX  listing flight information including general policies, flight change policy, and flight changes. I have never flown via/with XXXX XXXX XXXX I am not familiar with and had never known of or had any dealings with them of any kind whatsoever. On page XXXX of the documents from LLBean Master Card it includes the acception of and terms and conditions of the flight in question. I speak very little XXXX and nothing on these documents looks familiar at all.

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