vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
This has been a really stressful week since I settled my mortgage to bring my account up to date. I was told by many of the XXXX XXXX that in order to bring my account to current, you have to make the XXXX due payments. I then made a payment of {$39000.00} on XX/XX/XXXX and the money has been taken out of my bank and registered in XXXX but has not been taken out of my balance. I have spoken to four different agents, one of them said, " your money is not registered '', then he found it. Eventually, then he said, " did you receive a reinstatement letter '', I said that I hadn't and I was told that I just needed to bring my default balance up to date. And that is exactly what I did. I left my account in a balance of XXXX. I have made several phone calls, one of the XXXX stated that I had a pending balance of {$120.00}, and that may be the reason why my payments has not been applied. But then she said, " wait a minute, that money can just can roll over to your XXXX payment. '' I emphasized that I paid the total seen on my dashboard and my mortgage statement and she admitted that that was something that should not occur and that she would discuss that with XXXX. Throughout the week, XXXX XXXX have said many different stories of why the funds have not been applied to my account. But today, Friday, XX/XX/XXXX, at XXXX one of the XXXX mentioned that the cash department is backed up with payments and that it should happen next week. The reason to why am I filling another complaint in regards to this situation is because I do not trust this bank at all. Their services have been really inconsistent and I have researched about their credibility and read about 18 reviews with similar experiences. Experiences where people claimed in that their house was in foreclosure and they did not receive the proper documentations and correspondence. Even when they made payments and the funds would be registered in the principal balance instead of their debt. On that note, this company has not been reliable and I do not trust or recommend it to anyone. I would like my account to be up to date before it gets in a worst standard. Throughout this week, I have recorded many conversations in which it is clear that my house is not in foreclosure. Please help me with the follow up on this and I am also seeking for assistance on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: GA

Complaint narrative:
XXXX XXXX XXXX loan was paid in full as of XXXX. It is now XXXX and the company is still reporting that my information is negative. I've been on the phone with them since XXXX eastern time and they keep saying their system is down and disconnecting the call. I already have a pdf form of the paid in full letter but I can't upload it online on Experian because they don't accept password protected documents. I've been trying to dispute this for the longest and they won't even help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act Credit Collection SERV XXXX XXXX XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I am writing you regarding the account I opened on Citibank this past XX/XX/2022. I opened this account as a result of a Citibank XXXX I received by email. Since the actual economical situation, Citibank were offering at least some interest in this saving account. It was a Citi XXXX XXXX account with the Routing number XXXX XXXX XXXX XXXX XXXX, and the Account number is XXXX I funded the account with an initial deposit of {$2000.00} from my account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Like everything went well I decide to fund more money since the purpose of opening this account was to have a higher interest in my money. 
So I decide to transfer for the same XXXX XXXX XXXXXXXX account the amount of {$10000.00} and that is was when the problem started. 

After that I received an email on XX/XX/XXXX that my account was schedule to automatically close within 60 days, telling me that Citibank found that I violated the terms or my account per client manual. And give me direction to call to the New Account Fraud number XXXXXXXX XXXX XXXX. I did this in several times and nobody can tell me what specific term that I violated. No information was given to me and no explanation. But in every cal, l I wasted time waiting for them in the phone and they never gave me an answer why my account was closed.

I have spent hours trying to reach the Fraud Prevention number XXXX XXXX XXXX without any result. I remember been in the phone for 2 hours and 50 minutes without any success. The only answer of my question came from customer service of Citibank but they are limited in the way to help me. The person indicates me that my account was closed on XX/XX/2022 with the total amount of {$12000.00} and that the money were going to be send by a check to me to the address on file. I waited two weeks and no letter were received and I called back and they said to wait more. The money never arrived. 
One person of the Fraud department told me that they are not going to returned my money and I get so furious that almost insult the person but he is not responsible for the situation then after I asked him for forgiveness... 
I also wrote to Citibank requesting them to close my account as they mentioned me in the email and send me my money to the address register in the account. But they never answer me. 
I am so disappointed because an international bank like Citibank creates this kind of problems to the customers. I am not a new customer with Citibank I had different accounts throughout the years and also couple of credit cards. 

I have evidence of every transaction and can justify where the money comes from ... I need help to get my money back is all I am asking. 
Please help

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 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was selling a product on XXXX XXXX, person 1 agreed to buy itXXXX XXXX The following is through XXXX XXXX We had various conversations through email until they agreed, after them sending the money i received an email saying i had to upgrade my account to a business account and other deposits. The email was made to look like it came from XXXX themselves, after {$500.00} was lost via this, i called XXXX as i never received the payment that the amount was for, and they confirmed that it was fraud from them using the company face and pretending to act like customer service. Several peoples were involved in the scam project ( or i was led to believe so ) after filing a claim with my bank they denied it, and after reopening the case and providing even more documentation and evidence, they denied it once again despite XXXX confirming it was fraud and me having evidence. They can no longer open the case and refuse to dispute for my {$500.00} back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: FIRST CITIZENS BANCSHARES, INC.
State: CA

Complaint narrative:
Over the last several months it has become virtually impossible to access our online account with CIT Bank On one occasion we were able to talk with a rep that supposedly fixed it. 
I have the correct pass word etc. but can not log in. The help link just starts the process over an over again. 
The phone XXXX they provide for help, is the same # on my bank statements. 
When calling the number there is always a XXXX min. or longer wait time. 
I have banked ( CD ) with Cit Bank for many years, perhaps XXXX, and had no problems in the past until this started many months ago. 
We are retired on Social Security, and our account has a balance as of XX/XX/22, of {$260000.00} and I want to transfer it to our Bank account on record, rather than do any business with XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act Convergent  Outsourcing Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
Account is stating incorrectly on credit report stating account as collection while derogatory both at the same time. This is not possible if account is collection it can no longer be derogatory and there should not be late payments reporting. Account was reporting date open as XX/XX/XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX. Date last active reported as XX/XX/XXXX by XXXX XXXX while XXXX reported XX/XX/XXXX. I disputed account asking to verify or delete as I do not recall having this account results came back still incorrect. stating account is open when previously account was call collection with an accurate date less active stating as XX/XX/XXXX by XXXX XXXX XX/XX/XXXX bye XXXX stating that investigation has been completed where I strongly disagree because there is no way that account can be reporting collection and then suddenly they change it to open an account reporting consecutive charge off as if it was some sort of payment method on a dead account I have tried contacting both the creditor and collection agency and Original creditor stated over the phone that they no longer owe this account therefore they couldnt help. I havent had any luck contacting the collection agency. I never received any sort of document stating that the debt belongs to me by neither XXXX XXXX or XXXX account is a total mistake itself no doubt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
30 days ago I sent letters to Transunion in reference to validating XXXX student loan accounts that are currently reporting as derogatory on my credit report. It has been over 30 days and they have still yet to respond to my request or even change the status on my credit report to under investigation this is a violation of rights under the FCRA and these accounts need to be removed immediately. I have attached the letters below that I have sent to the Credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: NV

Complaint narrative:
I received a phone call saying they were with the student loan forgiveness program at about XXXX XXXX today from XXXX. The call said they were with the department of education at first it was a lady that said she just needed to ask a few questions to be sure I would qualify for loan forgiveness she asked me if I owed more than XXXX in student loans I answered yes she asked me if I was still enrolled in school I replied No and she asked me if I was currently working and who with I replied yes and the XXXX XXXX. She said okay I'm going to transfer you to my case manager so then a man got on the phone and he started to tell Me about the loan forgiveness program and I said ok how do I find out if I qualify he said first I need you email address which I gave to him then he asked my date of birth I gave that to him and he said ok thre is a code being sent to you to verify your phone number but I saw in the text it was coming from FSA and knew he was trying to reset my password so before I hung up I told him No that I knew he was trying to reset my password and I would be reporting this to the authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a victim of identity theft. On XX/XX/2022 I received a phone call from XXXX XXXX XXXX. I looked up the number and saw that it was linked to a Bank of America website. The person on the phone said he was calling from the bank 's fraud department. He said that there was suspicious activity on my account and asked if I made a big purchase the day before. He verified my home address, my phone number, and told me to verify my purchases from the past few weeks. I said yes to all of them because they were purchases I made. The impersonator then proceeded to ask me about a purchase worth {$6900.00} on XX/XX/XXXX. I said that I did not make that purchase. I immediately logged into my online banking and saw that someone had taken out {$6900.00} the day before. I did not spend that much, I did not share my card information with anyone, nor was I notified about that amount being taken out before this person 's call to me. He said that he was going to freeze my account until I got a replacement card in the mail. He said that since I did not make that transfer that he was going to freeze my account and that I would be getting a new card within 3-5 business days. On XX/XX/XXXX I went into the physical bank to confirm that my account was frozen, but I was told from the associate that my account was still opened. Within those 2 days this person was continuously taking out money from my checkings account. I made a claim with the debit card department, XXXXXXXX XXXX and the credit card department because everything was compromised. This person was able to take a total of {$24000.00} from my checkings and {$9500.00} through XXXX The {$24000.00} is still in the process of being investigated, but I was notified this week that the bank can not refund my XXXX  transfers back to me. This impersonator was able to hack into the banks security system and get access to all my information. Prior to XX/XX/XXXX I did not talk to anyone about my banking information nor did I make any big purchases. I just got out of XXXX XXXX XXXX this summer and this is money I have saved up for the past 4 years. I never had an issue with the bank when I was traveling in and out of the country while being in the XXXX. The moment I come home and I stop getting a paycheck from the government my account gets hacked and the bank doesn't want to take responsibility for their security breach.

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 2022-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
I Tranferred XXXX XXXX XXXX XXXX to Chase XXXX checking account from a XXXX XXXX XXXX. There was a reference number for XXXX given to verify the transfer. The bank put a hold on my acct. until funds could be verified. I received a email on XX/XX/XXXX, letting me know the hold had been lifted. I went to the Social Security office to verify they had the correct direct deposit for the money card and they did. The next time I tried to log onto to their website there was a message stating that there was a restriction on my account because of suspicious activity. I called customer service and wanted to know why was my account restricted and the representative told me to go to a Chase with two forms of ID to verify the account was mine. I presented my XXXX Drivers license and my Chase debit card. After doing so they still couldnt verify my account. I wasnt really told why. I changed my direct deposit information with Social Security so my check could come directly to Chase. A check in the amount of XXXX was deposited on XX/XX/XXXX, and returned. Then redeposited on the XX/XX/XXXX,. I am still being asked to verify that the account is mine. The bank told be yesterday XX/XX/XXXX, they were going to end their relationship with me on XX/XX/2022 and mail me a check for the remaining balance. I didnt understand why they had to wait until then or why mail the check if they wanted to end their relationship with me. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 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: CA

Complaint narrative:
I closed my XXXX credit card account however they still billed the annual fee and in XX/XX/2021 they reported the annual fee 30 days past due in XXXX. 

My assistant went ahead and paid the annual fee because she saw the late bill and was concerned. 

I should have never been billed an annual fee and the late mark is invalid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
N accordance with the Fair Credit Reporting Act CREDIT COLLECTION SERV Account # XXXX has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the rights to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I was charged for a " credit protection fee '' which took me over my limit by {$10.00}, and I added additional funds to my account the same day to cover this issue. Aspire reported that overage to credit bureaus about 2 days later. Since I have never been late or gone over in the past, and this occurred due to a fee ( should I not have been " protected ''? ) I was hoping to write them a goodwill letter, requesting that they review my account and possibly forgive this minor error. When I contacted the company they refused to give me an address stating that " under fair credit reporting act we report to credit every 30 days '' which had nothing to do with what I was asking. I realize that they aren't under any obligation to offer the forgiveness, but I've never heard of not allowing someone to even ask for it. As far as the charge that overdrew me -- I do not believe I even signed up for credit protection, but no one will assist me with this issue. As a single parent to a child with special needs, I believe Aspire is preying on people like myself who are not in the best financial situation, but hoping to improve it. I also believe the term " credit protection '' is intentionally misleading/a misnomer. My credit was not protected by this " service '' it was actually quite the opposite. I have not missed a payment, been late, or gone over my limit on any card I have in the 2 years that I've been building my credit, now I am at my lowest score in that time period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation