vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Re : Notice of Default - Right to Cure dated XX/XX/2020 Please be advised this notice/action is being disputed. This serves as written notification to Select Portfolio Servicing, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX None the previous correspondence has been sufficiently answered. SPS actions, are unwarranted, unwanted and continue to be erroneous and suspicious of fraudulent activity. 

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of Demoin XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached. 

1. Provide a full and detailed accounting of this alleged account. 
2. Provide any and all inspections conducted on misidentified property in the last 12 months with reason why they are being conducted.

3. Explain the legal description contained in alleged security instrument and explain how it differs from the property SPS continues to fraudulently inspect and erroneously pretend to service. SPS has been repeated told the legal description noted in the security instrument is not the legal description of XXXX XXXX XXXX XXXX. They refuse to research and provide legitimate response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Bait & Switch On XX/XX/20 I applied for credit with Synchrony Bank ( XXXX ). 

During my application process, I was never informed, nor did I consent to creating a video as part of my application process. 

This is a serious.violation of my privacy. 

In addition, I now suffer from a hard inquiry on my credit report which adversely affects my credit rating. 

Had I known that Synchrony Bank would invade my privacy by requiring a video of myself as part of the application process, I never would have applied. 

I hold them responsible for the hard inquiry that is now placed on 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 explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I C Systems placed a collection on my credit report back in XX/XX/XXXX. I disputed this through my XXXX account but was denied. I then submitted a XXXX complaint because 1 - The debt is not mine 2- They never reached out to me letting me know they where going to place this on my credit report 3- When i asked for proof this debt was mine they did not have any proof When XXXX was involved I C Systems did reply and stated the following as well as sent me a letter to my home which i have proof of that says : " XX/XX/XXXX XXXX XXXX Please accept this letter as confirmation that I C SYSTEM will no longer pursue collection of this account and will return it to XXXX. 
We will request that any information our office may have forwarded to the credit reporting agencies regarding this account to be deleted or removed from their records. You may wish to review you credit report to ensure that your credit information has been properly updated. Your credit bureau account number is :XXXX This communication is from a debt collector " CREDITOR : XXXX ACCOUNT NO XXXX I.C. System reference no XXXX Balance {$1400.00} As you can see above this was sent to me on XX/XX/XXXX. It is now XX/XX/XXXX and i just got off the phone with XXXX and they have no information from I C System and this collection is still illegally on my credit report negatively affecting me and my family financial well being. PLEASE HELP When i contacted I C System again on XX/XX/XXXX via phone the representative stated they have no idea and said they would transfer my call to a Senior advisor but instead kept me on hold and hung up. I have proof of this letter sent to me, i also have proof that I C Systems replied to XXXX With the exact same answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells fargo cancelled all the debit cards for my accounts denying access to my funds due to alleged too many claims. The claims were valid and reversed in most instances by the merchants. Some airlines did not refund the money from my checking account. after a new account was opened recently, they did reissue a debit card only to have a representative ask my to drive back to the bank and return the card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: VA

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am looking at my credit report and I have accounts that do not beling to me. I lost my identification and someone obviously opened numerous accounts in my name. Please advise me in what I need to do. Please investigate these accounts and remove them from my credit report. These fraudulent accounts are causing me many hardships with obtaining anything that is credit related.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: WI

Complaint narrative:
On XX/XX/2020 I called XXXX XXXX XXXX XXXX office in regards to options for people who had experienced hardship due to COVID-19.  There was an automated message and prompts to apply for a forbearance. After following the prompts and completing my request for forbearance I was advised that there was no further action needed and that I would be receiving paperwork in the mail. The information given through the prompts put me under the impression that the forbearance would go into place effective immediately meaning XXXX. I never received the requested forbearance information in the mail. I was very surprised when a late payment was reported to credit and our credit scores plummeted 44 points. Again the call tree message did not state that a forbearance did not start until XXXX. Once I saw that my credit score dropped I immediately called on XX/XX/XXXX, made the XXXX payment and inquired on how I could get this late payment off of my credit report. The person I spoke to had no record of me calling on XX/XX/XXXX. 

I sent an email to request this be taken off of my credit report on XX/XX/XXXX to XXXX and followed up with more emails and phone calls. I got a response on XX/XX/XXXX stating " You say you inquired about going on a Forbearance on XX/XX/2020 through our automated system and you assumed the payment for XXXX would take into effect. It was the near the last of the month and unfortunately it could not include the month of XXXX because it was the end of the month. You will need to open contact the three credit bureaus, they will then do an investigation regarding this issue and will contact you with their results. We are sorry for any misunderstanding this may have caused you. '' I disputed this with the credit agencies and it has not been removed. I had not had any late payments with this mortgage for 2 years prior. Based upon that fact the phone prompts were misleading this negative report should be removed from my credit report because it is XXXX XXXX XXXX XXXX responsibility to provide correct information so that customers can correspondingly make correct decisions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid the full balance shown on my XXXX statement ; however, unbeknownst to me, was charged a {$2.00} Minimum Interest Charge Fee. I was subsequently charged a {$21.00} late fee for not paying the minimum interest charge, which again, I wasnt aware of. 

I called Comerica customer service on XX/XX/2020 to explain the situation and request a refund. The representative refused to refund either of the fees, and then asked me if Id like to close the credit card account. 

I ended up having to pay a {$21.00} fee for not paying a {$2.00} fee ( that again, I wasnt aware of ) and closed my account. 

This is a predatory practice that has likely affected hundredsif not thousandsof consumers who deserve refunds, particularly in light of the global epidemic and economic downturn.

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 2020-09-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: RMS-Recovery Management Services, Inc.
State: CO

Complaint narrative:
I was enrolled at XXXX XXXX  University in XXXX but I was not eligible for financial aid. I withdrew from the classes before the financial aid deadline because I would not be able to afford to pay the tuition out of pocket. I did not partake in the classes after that date. It is very ironic and stressful that I am being asked to pay for a service that I did not want to use because I could not afford it. I emailed the XXXX XXXX XXXX office directly but I have not received a response. 

I am not sure what happened with my withdrawal form. I remember editing the PDF copy and post dating it for the day of the financial deadline. The computer that I was using at the time was my old XXXX XXXX which since has had the battery explode and I was not able to recover any information from the device. 

One issue I am having with RMS recovery debt collection is that every time they call me I ask questions to understand the situation and the associates that I speak to simply hang up on me mid-sentence. I have been very polite and have never raised my voice or used profanity. I am simply trying to get some sort of clarification or additional information so that I can move forward with resolving this debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$3200.00} -This is not 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 2020-09-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This complaint is about a Capital One Quicksilver Visa Card. I have an excellent credit score & have always paid my bills on time. In 2020 I purchased a mattress set & put it on this card. In XX/XX/2020, I paid off the entire bill in the amount of {$760.00}. Paid off on time - days before closing date. This is on acct # : XXXX XXXX XXXX XXXX. Paid off in full XX/XX/2020, The next billing cycle came in XX/XX/2020. This statement stated that I owed {$5.00} - even though I had made full payment. I called Capital One to request service on the account & was told that not only did I owe the additional {$5.00} - but the clerk calculated pennies of interest I wld need to pay in addition to the {$5.00}. - my new total wld be {$8.00} - on what the account balance is {$0.00}. I paid it, but I really do not understand where these charges are from or are they legal. I'm not just going to continue to feed the machine - hoping they finally get it right.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2017 with a balance of {$3200.00} -This is not 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 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My card was closed due to a bankruptcy case that does not have to do with me. My father and I have the same first and last name. He and my mother are filing for bankruptcy, and Citi Cards closed both of my account due to that. I am not included in their case, and was not given notice of closure. My father is not an authorized user nor a co-signer. We just have the same name and mailing address. I called the bank and they have a 7-10 business day turn around time. reopening the account runs the risk of me having a hard hit on my credit report. I am also in the process of buying a home, and closure of an account can negatively impact my credit report. Its is a big mistake on CitiCards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: TX

Complaint narrative:
First off, I'm a partially incapacitated severely autistic adult. A company called XXXX XXXX keeps calling my telephone incessantly. They violated Texas Penal Code 42.07 ( a ) ( 4 ) on XX/XX/2020 by calling me ( from XXXX ) three times in a row in immediate succession. I file a report with the XXXX Police Department and they contacted the company to instruct them to never call this number again, both as a remedy for the criminal harassment and also as a reasonable accommodation request under American 's with Disabilities Act and Texas Human Resources Code 121.003. 

They did not honor this request. Today, XX/XX/2020, they called me again, three times in rapid succession, only this time it was a different telephone number that was offset by XXXX, XXXX. I have asked the XXXX Police Department to criminally charge them for harassment as well as a criminal violation of Texas Human Resources Code 121.004 ( a ). Also after reviewing my call logs, they called me  twice on XX/XX/2020, from XXXX. 

I don't know what their deal is, they incessantly harass me via the telephone, there are many other occasions where they call me only twice in a row. Their communication tactic are abusive, especially for an autistic. 

Furthermore, they are attempting to collect a debt that I do not owe. Additionally, they have not provided written notification about this alleged debt. I checked my credit report the other day and they are defaming me with false statements on my credit report. I have been rejected from stuff due in part to derogatory marks on my credit report. 

Furthermore, my credit report shows they are tacking on penalties, this too is unlawful. I dispute the debt entirely and demand they provide a debt verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Recovery Solutions, Inc.
State: NY

Complaint narrative:
This company, Allied Recovery Solutions, has contacted me by mail, several time throughout two years time, demanding I pay {$170000.00}, on a claim about an accident that occurred two years ago. That claim is closed and they won't stop sending harassing letters to me. Threatening action against me if I don't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I sent {$200.00} toward my BJ 'S PEERKS MASTERCARD. on  XX/XX/2020 I only got credited for {$100.00} I am in BJ 'S Hardship Program which now I consider just a Title they came up with, because they still add on Interest and Late Fees, When I told a Representative named XXXX she said : we don't have to go by your Governor 's Executive Order of not adding on Interest charges and Late Fees. Then it got into a heated argument and I cussed at her, and told her, : I will see a Bankruptcy Attorney in order to File for Bankruptcy and they will not get the Balance. As BJ 'S just is not working with me paying off my balance. My Balance was {$4300.00} as of XX/XX/2020 as of XX/XX/2020 my Balance jumped to {$4500.00} BJ 'S MASTERCARD added on {$38.00} RETURN FEE from XXXX XXXX XXXX. Even though I was calling in the payment by telephone BJ 'S was not properply crediting me my payments.They also added on {$38.00} in Interest charges that they were not supposed to. They not only not working with me with the Hardship Program THEY CLAIM I'M In. But They add on these additional charges and go against the Executive Order of our NJ Governor XXXX XXXX.Therefore. I will see a Bankruptcy Attorney and he will file for Bankruptcy in my Name. I wrote at least 4 Letters trying to resolve this but they BJ 'S MasterCard will not work with me. And does not apply Credits as payments. I was Corresponding with the Card Issuer Comenity Capital Bank XXXX XXXX XXXX XXXX, Ohio XXXX My BJ 'S HARDSHIP PROGRAM was Set up by XXXX Her Phone Number Is : XXXX EX. XXXX BJ 'S  Payment Address Is : BJ 'S Perks Mastewrcard XXXX XXXX XXXX XXXX XXXX TX XXXX Customer Service XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: OH

Complaint narrative:
This is the 3 time I have filed a complaint after looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX/XXXX # XXXX, XXXX XXXX XXXX # XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation