vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I got this credit line through XXXX XXXX XXXXCommenity Bank in XXXX at XXXX XXXX XXXX I was never given a card or card number and didn't receive a bill for quite some time, despite calling the company and requesting a card/bill. Afterward, I received calls from XXXX XXXX and was asked to set up an automatic payment plan over the phone. I agreed. The woman I spoke with said I would pay {$40.00} a month until XXXX and my whole bill would be paid off by XX/XX/XXXX. I said that was great and authorized the payments. After that, each payment would be taken out of my account and everything went swimmingly. However, after XX/XX/XXXX, apparently, somehow there was some additional amount due. I spoke with a woman on the phone a week ago and she said I owed {$27.00}. I explained that I did not, that I had made automated payment arrangements previously over the phone and that the last payment had been completed. She explained that there was still some money due as there were " interest payments. '' I asked for a printout of this information which detailed the interest payments and where those would have come from. I got a bill in the mail today that does not explain where those interest payments came from, but it does state that I owe {$120.00}. I am getting phone calls every few hours from these folks and I will not answer and/or pay anything else until it is explained to me in writing : 1 ) why there are additional payments when I was told that the whole thing would be paid up on XX/XX/2023 ; 2 ) where these additional payments came from and 3 ) why is it suddenly now {$120.00} when I was told {$26.00} last week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Citi / AAdvantage Platinum Select World Elite Mastercard has misleading benefits. One of the benefits is " First checked bag free on XXXX XXXX domestic itineraries. '' I recently booked a flight on the XXXX XXXX website from XXXX to XXXX. The outgoing flight was an AA plane and I checked a bag. I was not charged for this. 

The return flight, even though I booked on the AA website, meaning it's an AA itinerary, was on XXXX. I was charge {$30.00} each for my and my partner 's first checked bag. The flight was based on an AA itinerary, so I'm not sure why I was charged. 

I called and messaged Citi to get the charges reversed. First I was told that I would get credited after the statement closed. I reached out after statement closing and they told me that my flight had a codeshare agreement with XXXX  and therefore my benefit was not applicable. How am I or any other consumer supposed to know what the benefit actually is? I assumed that by booking on the AA website that my flight was an AA itinerary.

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.

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 2024-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Meta Payments Inc.
State: FL

Complaint narrative:
Meta is in breach of the contract for the bonus program. Several content creators such as myself who have not violated any user agreements arent being sent the funds rightfully owed to us per the user agreement. 

I worked hard and would like this rectified as soon as possible. Its unethical to hold up the funds and theres no way to contact a support representative. 

Payment account ID : XXXX Payment transaction : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I recieved a letter from us department of the treasury, stating that XXXX was taken out of my social security payment to pay a Army and Air Force Exchange debt from XXXX. 
This is being collected by a company called XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX, U.S.A. 
This was a complete surprise, There were no notifications of judgements or any other notifications. Additionally, this collection is far past the statute of limitations, and AAFES was part of a bankruptcy discharge in 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
According to 15 USC 1681 ( a ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumer 's right to privacy. I demand a deletion of all personal recognizable information from my consumer report with the exception of : LEGAL NAME : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Please delete all other addresses, as they are not deliverable, as I can not receive mail or any correspondence nor do I have access to any of these addresses. Please delete these outdated addresses and update the address with the one above. Also, I'm exercising my federally protected consumer rights to OPT OUT any and all reporting of inaccurate accounts listed in the supporting document attached pursuant 16 CFR 313 and 15 USC 6802, 15 USC 6803, 15 USC 6804, any authorization given, written or verbal is now rescinded and is effective immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
We received a collection notice from Midland Credit Management saying we are in default. I never opened this account as I have never lived in XXXX XXXX, Mi, also having not left the state of Florida in over 40 years.I always use my middle initial when i legally sigh any forms. Being the XXXX  was not used to open this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have disputed fraudulent charges that was made to my account XXXX XXXX.These charges were fraudulent because these charges were not made by me.The charges were for my life savings and before I knew it my account was wiped clean.I disputed the chargers, they were made to an online casino account that was not under my name.Someone has used my bank account to fund theyre online casino.I reached out to the bank first to dispute the charges, Shortly after the bank restricts my account without Notice.My account has been restricted since XXXX XXXX XXXX.it is now XX/XX/XXXX XXXXAfter filling the dispute I asked the reason for my account restriction, but no one had gave my an answer.I walked into the branch every day for a week and no one has gave me a reason as to why my account was restricted.On XX/XX/XXXX my dispute was denied.The bank claims I did not provide enough documents regarding the claim.So I reached out to the company that charged my card, and also reopened the claim this time.The company agrees that my deposit history for my account does not show any of the transactions I disputed reaching my account.Everything is documented.Now I am waiting for my bank response which can take up to 45days although they denied my claim within 2 days the first time.It has been 7 business days since I reopened my claim and my account is still restricted.This is my hard earned money and I have bills to pay I am short on cash and need to receive my money out of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian closed this complaint like the last a computer generated response that absolutely idiotic

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 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Your credit reporting agency has been consistently providing inaccurate and incomplete account details to my credit file. I am deeply concerned about the presence of these inaccuracies within my credit profile. It appears that your reporting agency has not implemented effective procedures to ensure the highest level of accuracy in the credit information it reports. This lack of diligence may expose your agency to potential liability under 15 U.S.C. 1692g, specifically concerning the validation of debt. 
Additionally, referencing the legal precedent set in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency could be held accountable for engaging in false reporting. It is imperative to adhere to credit reporting laws, which mandate that bureaus only report credit information that is entirely accurate. 

1. 15 USC 1681B. Permissible purposes of consumer reports XXXX Account XXXX : XXXX This account is closed with a paid balance. This is falsely reporting. Please delete as i have taken steps to seek litigation. 
2. 1681n. Civil liability for willful noncompliance XXXX XXXX XXXX Account Number : XXXX This account is inaccurate, please delete or pay fine of {$1000.00} per violation.

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 2024-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
I am writing to bring to your attention a highly concerning and frustrating experience I have had with Freedom Mortgage regarding the loan assumption process. My loan assumption process began on XX/XX/XXXX, with XXXX XXXX as the Point of Contact ( POC ). 
Despite an initial timeline commitment of XXXX days for the completion of the loan assumption, the process has been marred by numerous setbacks, causing considerable inconvenience and financial strain. 
On XX/XX/XXXX, I reached out to XXXX XXXX to inquire about the status of the process. In response, she called me and provided a new closing date of XX/XX/XXXX, a date that ultimately did not materialize. This failure to adhere to the communicated timeline has been a significant source of frustration. 
Compounding the issue, I was forced to cancel my homeowner 's insurance policy on XX/XX/XXXX since I can not continue to insure a property I do not legally own. XXXX XXXX advised me to obtain another policy effective for the new closing date of XX/XX/XXXX, which I promptly did. 
My attempts to escalate the matter by requesting XXXX XXXX 's supervisor 's contact information have been met with resistance. Despite multiple requests on XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX has failed to provide the necessary contact details for her supervisor. 
This morning, after once again reaching out to check the status and requesting supervisor assistance for the third time, I received an immediate response from XXXX XXXX, informing me that my transaction had been assigned to another processor, XXXX XXXX. 
The lack of transparency, communication, and adherence to timelines throughout this process has been extremely disappointing. I find it unacceptable that I have had to endure multiple delays, financial strain, and inadequate communication. 
I am formally requesting a thorough investigation into the handling of my loan assumption process by Freedom Mortgage and immediate resolution of the outstanding issues. Additionally, I kindly request any assistance you can provide in obtaining contact information for XXXX XXXX, the new processor assigned to my transaction. 
I trust that the Consumer Financial Protection Bureau will diligently investigate this matter to ensure consumer protection and hold Freedom Mortgage accountable for their actions. I appreciate your prompt attention to this complaint and assistance in resolving the issues I have encountered.

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 2024-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
In XX/XX/XXXX, I applied to SPS to cancel my private mortgage insurance as the loan to value ratio fell below the 80 % / 20 % for required private mortgage insurance. I submitted an application fee of {$450.00} for SPS to process the request. 

SPS recieved an appraisal from XXXX XXXX dated XX/XX/XXXX that valued the property at {$460000.00} ( that appraisal is attached to the SPS correspondence dated XX/XX/XXXX, attached ). As of the date of the appraisal, the mortgage balance was {$370000.00}, placing the loan to value ratio {$7000.00} short of the value necessary to cancel the PMI. 

I contacted SPS to point out several deficiencies in the appraisal that, if corrected, would value the property at a sufficient amount to allow for cancellation of the PMI. Despite several calls to request SPS to raise these issues with the appraiser, nothing was done. Finally, in XXXX, XXXX, SPS advised me to submit a formal " appeal '' of the PMI decision. I submitted that written appeal in XXXX, XXXX ( the appeal is attached ). 

After XXXX months and multiple follow up call, on XX/XX/XXXX, SPS again denied my request to cancel the PMI based upon the XXXX appraisal, without addressing any of the issues raised in the appeal ( the letter is attached ). 

Upon receiving the denial letter, I spoke with an ombudsman for SPS who advised me that my appeal was not considered as the appraisal was over 120 days old and therefore no review was possible. I requested that SPS request an updated appraisal from the the appraiser at its expense, but that request was denied.

I therefore contacted the appraiser directly and paid for an updated appraisal. The updated appraisal is dated XX/XX/XXXX, and valued the property at {$480000.00}, well above the threshold necessary to cancel the PMI given the current mortgage balance of {$370000.00} ( the appraisal is attached ). On XX/XX/XXXX, I again requested cancellation of the PMI based upon the XXXX valuation ( attached ). 

On XX/XX/XXXX, SPS again rejected my request to cancel the PMI without addressing the current value of the property ( attached ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Can not log-in to my account and can not get any one on the phone to help except a computer person. This is not the first time this has happened. This is stopping me from buying any products.

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 2024-01-23 00:00:00
Product: Credit reporting 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: LA

Complaint narrative:
Unauthorized XXXX XXXXXXXX XXXXk Transunion inquiry on XXXX Victim of unauthorized identity theft furnishing 3rd party non public non account.

Transactions and Experiences are excluded from Consumer Files

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: FL

Complaint narrative:
Attached please find copies of payments made to the student loan when i filed Chapter XXXX back on XX/XX/year> As you can see the Principle balance at the time was {$94.00} plus {$950.00} in interest When the student loan repayment resumed i recieved letters from Mohela with numbers that refect much higher numbers both in the principle amount and the interest which was stopped for almost 3 years during XXXX. I have been unsuccesful in trying to reach anyone by XXXX mail or phone to get these numbers corrected I am trying to attempt to resume payments but my financial situation does not allow me to pay {$880.00} a month that is requested with both my husband and i recieving Social Security The lawyer that handled ny filing suggested we contact you in the hopes of requesting accurate numbers so we can move forward i look forward to hearing from you XXXX 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 2024-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: PA

Complaint narrative:
There are no good programs for VA loans. Im on a forbearance but Im not working. And instead of adding my missed payments to the end, they said it alll comes due at end of forbearance. And even if they divide that over 12 months I will not be able to catch up. My mortgage is XXXX a month. I havent paid since XXXX. That is about XXXX for 6 months. Even if I get a job and can make the regular mortgage payment how am I going to add an extra XXXX a month to my regular payment to catch up over 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 non-monetary relief