vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-29 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX XXXX opened XXXX XXXX-XXXX  late payments from XXXX  Want to have them removed please. It has been XXXXyrs, payment history is exceptional now. 

XXXXXXXX XXXX XXXXr-opened XXXX XXXXXXXX late payments, it has been XXXXyrs, would like removed.payment history is exceptional now. 

XXXX XXXX XXXX XXXXXXXX late payments. payment history is exceptional now. 

XXXX XXXX XXXX XXXX-Paid in full, still shows on Report, need removed. 
I dont have amounts..to long ago XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: GA

Complaint narrative:
I am writing to dispute the following information in my file. I am a victim of Identity Theft which i believe came from XXXX Data Breach. I filed an FTC Identity Theft Report XXXX. I recently received a copy of my credit report from Transunion and XXXX. Both credit report showed credit inquiries that I did not authorize. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. Please see attachment with the list of inquires.

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 2021-11-29 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: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
I paid my mortgage off with Spec Loan Sv in 2019 however XXXX is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with XXXX and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.

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 2021-11-29 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: NY

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I am a mortgage broker that used to work simultaneously with United Whole Mortgage ( UWM ) and XXXX XXXX  ( now XXXXt ). I would shop both lenders for my clients to get them the best possible rate and pricing. As you are aware, UWM came out with a Broker Addendum ultimatum that dictated that if we wanted to continue working with them, we had to stop doing business with XXXX. It further stated that if we signed the addendum and still sent loans to XXXX, we would be fined by them. I elected to not sign this addendum and UWM cut me and my clients off from doing business with them. 

I received a call from UWM 's Vice President of Sales, XXXX XXXX on XX/XX/2021 asking me to sign up with them again and he would give me his best top tier pricing that they offer to their largest broker companies, even though I am a small one man shop. But, I still had to sign the addendum agreeing not to do business with XXXX. I asked him point blank, " does UWM allow their largest broker clients or any broker to continue doing business with them and XXXX without signing the addendum or enforcing their fine on them or cutting them off from doing business with them if they did sign it and still used XXXX. He said " absolutely not, they apply their rule evenly to all brokers ''. I called up my former UWM rep, XXXX XXXX on the same day and he said the same thing that they are not allowing brokers to work with them and XXXX. 

Today, I had an interesting conversation with XXXX XXXX a retail Loan Officer with XXXX Lending out of XXXX, AZ. I called him from a solicitation I received in the mail regarding refinancing my house. We spoke at length ( 23 minutes ) about what his company could do for me on a loan and informed me that his company works with the top wholesale lenders in the nation, UWM and XXXX. I did not solicit this information from him, he said it as as a sales tool and that he has loans going currently with both UWM and XXXX right now. I asked him about the ultimatum addendum that UWM wanted them to sign as well and he said his CEO, worked it out with UWM that UWM 's ultimatum did not apply to them. He said, " we had to punch them in the nose then give them a hug ''. When calling into their company it states their calls may be recorded for training purposes, so the call may have been recorded. 

I know CFPB is aware of this ultimatum that UWM imposed on the broker community. It seems to me, to be a anti-competition / anti-trust violation that hurts consumers. What is CFPB 's position on this issue and the fact UWM does not apply it to all their brokers across the board? 

I look forward to your reply. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Recovery Solutions, LLC
State: SC

Complaint narrative:
I filed an FTC report for identity theft in XX/XX/2021 and forwarded it to XXXX and XXXX, but they refused to remove this item in the amount of {$2000.00}. The last time the account was updated was on XX/XX/2021, which is wrong. the company 's XXXX XXXX did not respond to my questions. I have no idea where this financing came from. I've always paid my payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
1. I opened an account in CitiBank, We deposited $ xxxxx into this account. 
2. My husband set up my direct deposit to deposit a little money to this account ( under my name ). 
3. Citibank blocked this account, I asked them to either unblock this account or add my name to this account, but Citibank did NOT do that after many many calls. 
4. I gave up on keeping this account open, so I only want to get the $ xxxxx back. One customer service told me If I close the account, Citibank will issue a check to us in 1-2 months. 
5. After 1.5 months, I called them, a nice account manager found they withdraw my money to another account, and the balance of that account is zero. So she opened a case to investigate it. 
6. one week later, I called them again, they verified the case #, said they need 2 months starting from closing the account to finish all the work, It's not 2 months yet. 
7. one week later, one customer service said he can not find the case # ( another call confirmed ) 5. Now it's much more 2 months after the account is closed, I did not get any check or letter to know the status. 

I tried to call Citibank to figure this out, but they keep asking to talk other person, and the call is forwarded many times, and get zero valuable info. 

It has been 9 months since the account is blocked, so I want to complain here to know whether anyone could help us.

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 2021-11-29 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: WA

Complaint narrative:
I submitted a credit dispute to XXXX regarding some negative accounts on my credit report on XXXX XXXX. I received an email stating that my results were available. After looking over my results nothing had changed and there was no information given to me on how they came to the information on my report being verified. 

Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
I have been a Nordstrom cardholder since XXXX or XXXX with excellent payment history. In late XXXX, I was financially impacted by the Covid Pandemic. I contacted Nordstrom Card services and requested a financial hardship. I was enrolled in the fixed payment program as requested. The payments were structured to a feasible amount, {$170.00} to be paid monthly. In addition, the card was closed, and interest rate was 0 % as part of the terms and conditions. I paid as agreed upon. 

Fast-forward to XX/XX/XXXX, I am unenrolled from the hardship program. I view my account online and note that I owe {$640.00} as a minimum payment due on XX/XX/XXXX as well as I incurred {$280.00} in interest charges. I contacted Nordstrom card services on ( 3 ) different occasions ( 2x on XX/XX/XXXX and 1x on XX/XX/XXXX ). I was advised that the program was only for a term of ( 1 ) year ( which was not disclosed ) and I would have to wait ( 6 ) months. Furthermore, no one could provide an explanation as to why I would the enrollment was only slated for ( 1 ) year. I explained that I am still experiencing the same financial hardship as last year and I cant afford to pay the debt obligation. However, I could continue to pay {$170.00}. No solutions were provided. I attempted to speak with their recovery department. I left a message and did not receive a call back. I asked to be transferred to the recovery department and was advised that because my account is not in charge off status, they will not speak with me. I was also advised by Nordstrom Card Services that I could call back when my account is ( 2 ) months past due. 

I am seeking hardship assistance with Nordstrom. I was enrolled in a hardship program that allowed me to pay the debt obligation and maintain a positive credit rating. 
Nordstrom Card Services is utilizing predatory tactics to squander funds out of consumers that are experiencing financial hardship, in oppose to offering solutions to assist. Nordstrom is charging an exorbitant amount of interest, fees, and waiting until the consumers credit report is adversely affected before allowing the consumer to seek hardship options and then will not remove any delinquencies ( when it could have been prevented ). 

I would like for a senior account manager/executive to review my account and enroll me in the fixed payment program.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I paid my mortgage off with XXXX XXXX XXXX in 2019 however Experian is still reporting a balance of {$200000.00}. 
I tried disputing the information directly with Experian and they refused to fix it. 

It is reporting correctly to the other two bureaus, XXXX XXXX and XXXX. I paid it off in 2019 and I tried disputing it and it was never corrected.

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 2021-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
XX/XX/XXXX mortgage payment was not processed properly. I always send XXXX money orders in the same envelope by express mail. I sent XXXX money orders, {$500.00}, which they showed they received and {$680.00} to pay {$1100.00} XX/XX/XXXX2021 payment. The {$680.00} which they did not process, which was inside of the envelope. 

Mr. Cooper did process the {$500.00} but not the {$680.00}. I made my XXXX call on XXXX/XXXX/21 for them to investigate, I never received a call back. On XXXX/XXXX/21 when I called to inquire, I was told that everything was corrected and was showing that the account was up to date. On XXXX/XXXX/21 when I called to check for the XX/XX/XXXX2021 payment was processed correctly. Again I was told everything was done abd processed. When I asked if the fee that they charged for XXXX payment was reversed and credit information was corrected I was told no. At that point I asked to speak to a manager. Put on hold, waited for an hour and nobody ever came back on phone. I waited to get my next statement which arrived on XXXX/XXXX/21 to make my XXXX 1,2021 payment. On the statement it is showing that I am due for 2 months. 

XXXX/XXXX/21 called Mr. Cooper and they now say that the payment has been reversed back out and I need to send them documents. I said they should be able to pull documents from when they received this express package and documents in envelope. I asked to speak to a Manager and they would not transfer me to a manager or escalate to higher up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
My account was permanently disable by Venmo. I had over {$300.00} on this account. It was frozen on XX/XX/2021. An account specialist by the name of XXXX XXXX told me that my account has to be frozen up to 180 days and have no chargebacks or fraudulent after 180 days without any chargebacks or fraudulent activity they would release my funds. Today is XX/XX/2021 I am after my 180 day period. My account has no illegal activity has no chargebacks or fraudulent activity it never did. I have reached out to demo every day after XX/XX/2021 and no one from the company will try to help me with the issue of releasing my funds. The last person that I talk to you was an account specialist by the name of XXXX XXXX who sent me an email today stating that he could not help me with the issue although their rules at Venmo states that my money should be released after 180 days which makes what Venmo is doing with my account in violation of their own rules and regulations. The initial reason my account was frozen I was told was because they needed to verify my identity I sent them my passport as well as my Maryland state ID my identity was verified. Immediately after that they said that I violated XXXX  of the rules but they can not tell me which rule was a violation. If in fact I violated a rule that is fine with me the in fraction for that would be to close my account but after the 180 days the money thats on my account should be released so that I can transfer into my personal bank account. Under no circumstances is the violation of their set rules automatic for them to keep my money after stating it would be released after 180 days Venmo at this point is violating their own sets of rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
RE : Citibank, N.AXXXX, XXXX South Corporate Place, XXXX XXXX, SD XXXX CitiBank Costo Card  My account closed in XXXX of 2021. 
I need my statements for the XXXX XXXX. 
I originally called for my statements on XX/XX/XXXX21. 
The rep stated it would take 14 days. 
I called 15 days later and the rep stated it would take 30 days from the original call. 
Now when I call to get a letter or email to show the XXXX XXXX the extended timeframe the XXXX department for Citibank states they can not share that and stated it can take 30-60 days to receive a statement. This is delaying my XXXX and may cause XXXX XXXX if I do not provide the statements. 
The reps will not allow me to speak to supervisor. Every time we call the supervisors are " busy '' and will be 30-60 mins to speak with someone. The reps do not allow us to hold.

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 2021-11-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
On XXXX XXXX 2021, I called XXXX and asked a Barclay 's representative how to pay using the payment coupon they sent with the statement. The rep walked me through on how to endorse the coupon. I sent it off through the mail, now they are not honoring it and said I must pay with check or debit. The pay off amount was XXXX, coupon was for a discharge of XXXX. Called Barclays on XXXX XXXX, XXXX and today the XXXX when now they said they do not accept the payment coupon without a check.

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 2021-11-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I have used paypal credit for years. This year I made a bigger purchase. Upon sending my payments Synchrony bank would send them back. Then charge me late fees and interest. I personally called and was told that they credited a old account and would rectify it. This is still happening and I just recieved another check from them after they cashed the {$300.00} payment that i made. My records show that I owe about {$1000.00} less than what I'm being charged. This is a simple fix however since I was straight up lied to as it still continues. Knowbody taken the appropriate action to fix their mistakes. Instead I'm still getting overcharged and having to babysit every payment has taken alot of my time. My records show I've always paid on time and have continued too. They also show the great deal of diffrence in what I'm being charged. This has been brought to their attention every month but have gotten no help just continued fraud. I also recieve non stop calls even Sundays at XXXX as well as text messages asking for payments already made. They refuse to be of any help or show their moral, ethical and legal obligation to fix their mistake. Please help. Thank 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 monetary relief
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
XXXX XXXX notified me that they were collecting on an account with capital one. I asked them for validation of the debt XXXX times and so far they have only sent me a bill. The are also in violation for report a charged-off account as past-due. Under the FDCPA only the original creditor can report an account as 30.60.90 or 120 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I contacted Midland Credit Managment onXXXX. Regarding fraud on my account. I dont have credit cards and I dont use them. On my credit report it shows them in collections. I offered to pay the debt in full {$570.00} so long as it is removed and put in writing before me paying it. They refused to put anything in writing - either by email or by sending a letter. In XXXX  I had my identification stolen ( passport, social security, phone, as well as computer ) and it was subsequently used without my knowledge or approval.

Company response to consumer: Closed with explanation