vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was charged a late fee and interest on a credit card that had already been paid twice. I had a continuing balance on a Costco Citibank Credit card. The payment due date was the XXXX day of each month. On XX/XX/XXXX, of XXXX I made a {$1000.00} payment on my balance due. On XX/XX/XXXX, I checked the balance on my card and it was {$6400.00}. Which I paid in full online bringing my account to a XXXX balance. 
On XX/XX/XXXX and XX/XX/XXXX, I incurred XXXX charges of {$620.00} and {$19.00}. And expected these charges to be billed on my XXXX statement. On XX/XX/XXXX, I received XXXX statement from Citibank with payment due XX/XX/XXXX. They charged me a {$30.00} late fee and {$11.00} interest fee, even though I had paid off my bill fully on XX/XX/XXXX, 2 days before the due date of XX/XX/XXXX. 

I called Citibank customer service, and at first the woman tried to tell me that I hadnt paid my XXXX bill, but I told her that I had fully paid my account up early on XX/XX/XXXX, XXXX days early. She told me that I hadnt paid my XXXX payment, but I told here I had paid my bill fully on XX/XX/XXXX. 
I asked to speak to a supervisor and he acknowledged that there is some kind of computer problem that if people pay a bill early, it credits the wrong month if you pay it before the due date and you are charged a late fee and interest. 
Its unfair that consumers who pay their bills earlier then the due date and make XXXX separate monthly payments instead of waiting until the next month, receive a penalty because of a computer software glitch. Consumers are needlessly being charged extra fees and interest if they pay their bill early. 

Citibank did reverse the charges once I complained, but how many consumers didnt know the are being erroneously charged late fees and interest in error if make XXXX payments in a month, XXXX at the end of the month instead of at the beginning of the monthly billing cycle.

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
I returned a recast  package that included my XXXX payment and the {$500.00} recast fee to SLS via a prepaid 2 day XXXX  package on XX/XX/XXXX. I tracked the package on XX/XX/XXXX and it was still tracking to XXXX, NC. I called SLS and notified them that the package must be misplaced in NC and that I was going to make my payment with the recast fee online through my bill pay and that I was going to stop payment on the 2 checks in the lost package. I made the payment on XX/XX/XXXX which they received on XX/XX/XXXX. They emailed me another recast agreement which I also sent to them on XX/XX/XXXX. On XX/XX/XXXX they received the lost package and tried to deposit the checks that I had told them that I stopped payment on. I made my XXXX payment on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they reversed that payment along with my XX/XX/XXXX payment. They called me on XX/XX/XXXX wanting to know when I was going to pay my XXXX payment. I explained what happened and that I had a statement at home stating that they received my XXXX payment and that my next payment was due XX/XX/XXXX which I had already paid on XX/XX/XXXX. When the stop pay checks were returned to them they reversed both of my electronic payments as well. They have corrected my XXXX payment but posted that on XX/XX/XXXX instead of XX/XX/XXXX when they actually received it. I have a statement that I have attached showing next payment due XX/XX/23 amount due {$0.00} but when I called them today they are telling me that I have to make a payment to prevent a late fee. They can see that there are unapplied funds but they are waiting for the escalation department to apply the funds. So I called back and tried to do a payment over the phone but the system is telling me that there is no payment due. Can someone please 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 2023-07-14 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: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-07-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
My loan was assumed by XXXX in XX/XX/2023, it was in the rears at that time. I was already pre approved for assistance at that time with the previous servicer just pending paperwork. I turned in all documentation requested and thought everything was fine. Then I started receiving letters, calls, and emails, the representatives were so rude and nasty to me. I was told that if I couldn't afford the home I should get out, don't worry we'll foreclose and you won't have a mortgage to be troubled with, I was even told that they didn't have loss mitigation assistance but they did they wouldn't offer it to me. Just today XXXX XXXX I was told its not their fault I'm broke, I've been living here for free, the collections manager said he's paid by the hour and his rent isn't behide.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
Account # XXXX NR/SMS/XXXX  My mortgage was modified in XXXX per requirements and guidelines available through the CARES Act. 
Prior to XXXX, we were working with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In XXXX of XXXX, the Governor 's mandate prevented me from working and revenue drastically decreased as you can imagine. XXXX XXXX XXXX was not an essential business and shut down. I also tested positive for XXXX XXXX and could not work. Given the nature of my work I also couldn't work remote. As an XXXX XXXX I did not qualify for regular unemployment, only XXXX under the CARES Act which expired in XX/XX/XXXX. 
Shell Point notified me and offered this opportunity to me and I took advantage after confirming that my credit would not be impacted. However, this is not what happened. I now have miscellaneous late payments on XXXX and XXXX and 2 late payments on XXXX. 
Prior to the Covid 19 pandemic I have never missed a payment. I only accepted this program because I could not work during the pandemic due to the Governor 's mandates. 

I've reached out to the credit bureaus and mortgage company. 
The mortgage company responded saying the late payments are a result of the program. The issue is I was not given this information before I accepted the program. Also, negatively impacting the credit of borrowers because of a program the lender offered is very predatory. Why would there be a program for people needing assistance due to a global pandemic that hurt 's people 's credit? 
This is unfair as I followed the steps for the program. My credit score dropped tremendously as you can imagine because of the late payments. 

It is also clear that these late payments are incorrect based on the way they are reporting to my report below : In XX/XX/XXXX : XXXX reports nothing, XXXX reports 30 days late, and XXXX reports on time. How is this? 
In XX/XX/XXXX : XXXX and XXXX reports 30 days late, but XXXX reports 60 days late. How is this?? 
In XX/XX/XXXX : XXXX and XXXX reports 90 days late and XXXX reports on time. Again, how is this??? 

The credit bureaus have changed the date of the late payments over and over but the late payments are still inaccurate. 

I've also attached my bank statements that show the payments being made per our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: GA

Complaint narrative:
The attached items are reporting on my credit report illegally as they do not belong to me. I have submitted previous forms indicating that such accounts do not belong to me. The credit bureau is continuing to illegally report these accounts and violating my consumer rights. I have obtained legal counsel through XXXX XXXX XXXX, XXXX XXXX XXXX  who is prepared to sue the bureau attached to this complaint, on behalf of XXXX XXXX XXXX, if a proper reinvestigation and deletion of these accounts is not completed. 

If not removed within 15 days of receipt of this notice, XXXX XXXX XXXX, Attorney at Law will begin court filing in which civil penalties for violating consumer rights will be addressed. 

In addition, XXXX XXXX XXXX states the following : Under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. 

In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate and remove this account and correct any erroneous reports of this debt as mine.

For the record, I state again : I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists. I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.

Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  # XXXX, DEPT OF ED / XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BROCKELBANK INC
State: OH

Complaint narrative:
I spoke to customer service about the non stop phone calls. 
Harassment, I received the threatening calls intimidating calls from a law official to resolve a matter. I asked him that I told him that I was in hardship I ask for deferment I needed time. I need it away out of this unfortunate the font on my credit of student loans help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 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: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right 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 non-monetary relief
Consumer complaint received 2023-07-13 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
My mother used my social security number to open this account Barclays refused to help and say I need her social security number to be taken off the account which is insane I dont know someone elses social security number They wont help me and the account is still on my XXXX 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 2023-07-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Apparently I have a XXXX  account with Bank of America. I figured it was opened as part of a program or some sort of reward. A routing number was included as well as bank account number and funds distributed to the account. 
I have been a customer with Bank of America for XXXX  years and have been offered many different banking options. 
There was a deposit date and funds that I can access from online. I saw that the bank opened the account in XXXX of this year. Every XXXX  of the month they have been withdrawing a {$4.00} monthly fee from that account. When digging deeper and trying to access these funds I was told that the account was frozen and to contact the XXXX XXXX XXXX department. Which I did. I was on hold and was transferred to XXXX departments. I ended up having to call back about XXXX times that day. I was transferred and told that they couldnt transfer me and then sent to a voice message and also disconnected on. I was given a number to call and then told by that person that no I have to call that same number I called before to be connected to XXXX department. Then I was transferred to someone named XXXX and she told me that her transferring option doesnt work that I have to call back the original number. At the XXXX call I got someone on the phone who told me that there was a claim number and that she couldnt access it. I forgot to mention I was told in maybe the XXXX nd call that I would not receive any notifications about the issue and that no one will contact me and if I want information I have to keep calling back. When I questioned that and asked how is that possible that I have never received any notifications about this account and if anything I was told that thats not what they do. The final call told me that she cant access the claim information and that I have to call back the original number and ask them for a claim number and that she was transferring me, she transferred me and in that transfer the phone call hung up and ended. I was told that it would take XXXX days to review the case but however the account was frozen since XXXX, we are now in XXXX, and that they will continue to keep charging the account every XXXX of the month and have no exact idea when the review will happen. I said I wanted it closed as I have no understanding of what is going on with the account and no information as to what and how it started. I was told that they can not close it and if I want more information I just have to keep calling back. But they have no information and no notes are listed on the account in terms of issues or anything. Absolutely nothing. And again they never sent a notification nor would they ever send me XXXX in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to file a complaint on XXXX equifax and XXXX theyre reporting on my credit that I dont recognize nor did I give permission to. There are many inquires and public records that I want remove from

Company response to consumer: Closed with explanation