vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
Dear Sir or Madam, My current loan holder Penny Mac has increased my escrow account that has doubled my payment. They have calculated my county taxes in advance of the XXXX reporting for XXXX and have applied an insane figure of over {$15000.00} based on information they state was reported to them by Florida XXXX XXXX from someone that opened an application with XXXX or XXXX. They told me they would email this to me and I never got this letter they stated they received. When I was made aware of this, I called all programs with FL XXXX  and got email confirmations that I am not in these programs and have not borrowed or will be borrowing from them. I am not in the FL XXXX  XXXX  and am NOT obtaining any financing from these lenders EVER. This was a false reporting. I have told them this and explained that my country taxes as of XXXX are about XXXX a year. I have the proper escrow balance and have never been late and asked that this be fixed within 48 hours as my Mortgage payment is due on the 1st. They said they would fix this and it has not been fixed. I can not pay my normal monthly payment because it will allow only now the payment with the increased escrow amount of XXXX instead of XXXX. My payment is supposed to be XXXX. Not XXXX. If I am forced to pay this amount on the 1st it will be an extreme hardship to me. They have all the supporting documents and they can login to the XXXX XXXX XXXX Tax Appraisers site, I personally when to see a supervisor there and see that there is nothing showing that my taxes have increased 500 %! Please contact them asap to help me get this resolved. I have called them many times, they keep saying it will be fixed but it is not. The direct number to the contact there is Agent XXXX XXXX ext XXXX. I have bought the house in XXXX. Correctly escrowed always ... .have a surplus in the acct for my homeowners insurance for XXXX payment and there is no reason for me to have to pay this completely wrong amount until they decide to fix it! Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Receivables Performance Management, LLC
State: MN

Complaint narrative:
A XXXX XXXX tradeline appeared on my credit report for an account that was opened by my previous employer years ago for business use, and I am not responsible for the outstanding balance. This debt belongs to XXXX XXXX XXXX and should be removed from my credit report. When trying to dispute the issue with XXXX, I was unable to speak to a representative about it. I was also hung up on by the collection agency XXXX placed the debt with. I want this debt removed from my credit report as I am not responsible for it, and I want no further contact from XXXX XXXX, and the debt should not be transferred to any other collection agency. Please cease & desist 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 2021-04-29 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Initially XXXX  XXXX  XXXX  didn't even offer me any programs when I contacted them to tell them I would be late on a mortgage payment because my mom passed from XXXX XXXX ; I explained to them in great detail how her illness and death adversely affected me financially. Later, I was told about and placed on a Forbearance with XXXX  XXXX  XXXX  but yet they reported me late for XXXX, XXXX and XX/XX/2020 mortgage payments.. 

They also did not notify me that my XXXX XXXX backed mortgage would allow me 180 days to not make a mortgage payment, without being on a forbearance and without any penalties or fees. 

American Express- After years of letters back and forth explaining to them that I never owned or used the credit card for which they reported me delinquent, they continue to report such derogatory and erroneous information on me to the credit bureau. 

Both XXXX XXXX XXXX  and American Express ' negative reporting of me has now prevented me from getting prequalified for a new mortgage so that I will not be homeless when I sell my current home ( which is financed by XXXX  XXXX  XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: VA

Complaint narrative:
I purchased a {$500.00} variable Vanilla Gift Card at a XXXX convenience store at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2021. Several days later, I realized the card was not activated correctly and had no balance. However, the receipt reflects that the card was activated and approved. I called Vanilla Gift on XX/XX/2021, and they created a case, the number is XXXX. 

They told me it would take 2-3 business days, and then the card would have the XXXX loaded onto it. It is now 10 days since the case creation, and 15 days since I paid XXXX for an empty gift card. 

I have a scan of the receipt attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
Hello my name is XXXX XXXX XXXX. On XXXX XXXX my family and I went to XXXX XXXX in XXXX XXXX XXXX XXXX California. As we were looking at an suv a salesman XXXX came to talk to us he ask for my information he then went back inside came back with the keys. 15 min later a second sales man approaches me saying he allready ran my credit to many banks I was not present, I dont sign or agree for my credit report to be pulled XXXX did not agree to a price. 
I got very upset I told them to please get these hard I inquirys pulled back. XXXX apologize and said he would talk to his manager. Its been one week I have talk to both managers at XXXX XXXX and another manager the both have not done anything about it. I have talk to credit bureaus XXXX XXXX and XXXX XXXX  told me the best thing to do is have XXXX called them and pull back my reports but XXXX hasnt done anything. I also called the four credit banks To reports this and they said to contact XXXX. Please if you can do fix this problem I would really appreciated im so stressed about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved, so it prompted me to check my credit report. I've reach out to the FTC and I've also made a complaint to the local precinct. The items listed are not mine and need to be deleted from my credit report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. There are also inquiries on my credit report that do not belong to me : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX RXXXX 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
Consumer complaint received 2021-04-29 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: CA

Complaint narrative:
I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in a letter to Equifax, XXXX and XXXX  about these inquiries on XX/XX/2021 but I haven't heard back from them. I feel like they are ignoring me. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've also filed a FTC report for a second time because of this, and I really don't want to have to escalate it even more. Finally, I've included an anti-theft affidavit as supporting documents. Please delete these inquiries from my report immediately, or I will have to file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello Cfpb, I recently filed a complaint towards Citibank and on XX/XX/XXXX they responded to the cfpb report XXXX they responded back stating no funds are owed to me. I had over {$5000.00} in my bank account and on XX/XX/21 citibank withdrew and took my money out HOWEVER THEY ARE NOT STATING WHERE THEY SENT THE FUNDS BECAUSE THEY ARE CLAIMING THEY DO NOT PWE ME MONEY HOWEVER THE MONEY THAT WAS IN MY ACCOUNT BELONGED TO ME. Citibank has took my money and they are NOT TELLING ME WHO THEY GAVE THE FUNDS TO SO I CAN OBTAIN THE FUNDS FROM THAT COMPANY. I do not owe anyone money and Citibank closed my account and on XX/XX/21 adjusted the funds BUT THEY ARE NOT GIVING AN EXPLANATION AS TO WHO/WHAT THEY SENT THE FUNDS TO. I have called them several times and the case officer XXXX was supposed to contact me to inform me who the funds were sent to however they are not cooperating. THEY ARE NOT BEING CLEAR AS TO WHAT THEY DID WITH MY MONEY THAT WAS IN MY BANK ACCOUNT PRIOR TO THE CLOSURE. I do. OT OWE ANYONE ANY MONEY AND THE MONEY THAT WAS IN MY ACCOUNT {$5700.00}. CITIBANK IS CLAIMING THE AMOUNT OF {$5700.00} is not owed to me WHEN IT IS OWED TO ME BECAUSE THAT IS MONEY THAT BELONGED/BELONGS TO ME. Citibank has my money and they are not informing where/who they gave the funds to. I NEED TO KNOW THE {$5700.00} who it was sent to BECAUSE CITI CLAIMS THAT MONEY IS NOT OWED TO ME. There previous response does NOT SPECIFY THE ANSWER I AM SEEKING. All citibank is stating is no money is owed to me. That money belongs to me and i need to know if the money is not owed to me then who is it owed to so i contact that individual to obtain my money!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I really need your help. There's been countless inquiries that were applied to my credit report. I dont know where they came from because I didn't give anybody authorization to do so. My credit report took a hit all because these companies are being deceitful. This isn't right. Somebody must have been applying for things in my name. I sent in lettres to the credit bureaus on XX/XX/21 and I still haven't heard back from them. I've included the letter as an attachment. Section 605B of the FCRA states that these items must be blocked from my credit report while under investigation. I've filed a FTC report for a second because of this, and I really don't want to have to escalate it even more. Please delete these inquiries from my report immediately, or I will have to file for litigation. 

I've included my ID, SS Card, and proof of address to this submission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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:
XX/XX/XXXX I have held two credit cards with Citibank for over 14 years and have had a Citibank bank account for over 30 years. 

I just learned that my credit cards were closed when I tried to use the cards at a store. 
All my earned purchase points were erased and I can not view any previous information on the closed accounts although the outstanding charges of last month are still visible and connected to full autopay on my bank account. 

The reason Citibank gave for closing the account was they recently changed their policy not to allow a foreign address on credit cards. I went abroad since XX/XX/XXXX and had changed online, my mailing address for the credit cards only and kept my bank account 's US address. I did not receive any notification via email or on the Citibank site of this policy change. I did not receive a letter notification at my foreign address. Given the current COVID pandemic, mail is slow domestically and internationally already. However, I never received a mailed letter notifying me of this policy change. 

My complaints are as follows : 1 ) I earned my points through usage and actual purchases on the credit card and it doesn't seem legal to erase my entire earned rewards without sufficient notification and allow me enough time to take action on the rewards before closing my card account. 

2 ) 2-month timeframe to allow customers to respond to their mail notification is insufficient time during a pandemic.

3 ) Although I was signed up for email statements and notifications, I never received an email notice or any warnings about the eminent closure of my cards online. 

4 ) Even the bank manager at our branch, who helped set up the foreign mailing address, was not aware of the bank 's policy change, so was unable to advise me to take action on the matter to avoid account closure.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
This is a complaint against Comenity Capital Bank for failure to cooperate with an identity theft investigation. For violations of the Fair Debt Collect Act and the Fair Credit Reporting Act. They are also liable under California Penal Code for their failure to cooperate. 

Comenity and their assignees have been provided repeated with FTC Identity Theft report number XXXX. They have been repeatedly asked to help in the identity theft investigation ( as noted in the attached letter ). However, as is their pattern, as exemplified by the statement of facts in Gonzales v. Commenity, Commenity has refused to cooperate instead going to the extreme of filing a lawsuit against me in the state of Arizona falsely claiming they are owed {$4000.00} on a contract executed in Arizona. 

On XX/XX/2021 I sent them a letter from my residence in the state of California asking them to cooperate with the identity theft investigation begun with FTC Report XXXX by providing the following documents : A copy of the original signed application Signed charge receipts for the {$4000.00} in alleged charges Proof of delivery of any merchandise charged to the account Any other pertinent identifying information. 

As a California resident, in addition to federal protections, California Penal Code Section 503.8 allows Comenity 10 days to provide that information before facing a {$100.00} per day civil damage accrual. In my letter ( attached ) I gave Comenity three additional days to provide that information. That time has expired and nothing has been provided -- although in that time they did serve me with their lawsuit with their fraudulent claims about a contract being executed in Arizona. I have of course, at great expense filed a response and a counterclaim, but the issue still remains that Comenity is violating federal law that CFPB is charged to enforce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC.
State: WA

Complaint narrative:
Wakefield and Associates texting me about owing them money, which I do not. I have XXXX debt, I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Two months ago I reported to Navient that my loans reported to the credit agencies as increasing, when my interest rates should be frozen until XX/XX/2021. Again this month my score dropped due to my interest rates increasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I sent Experian a letter asking for them to provide me with the method they used to verify an account on my report. My letter was mailed in XXXX and as of today I have yet to hear from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I FILED AN FTC REPORT FOR AN XXXX TIME. i HAVE INQUIIRES LISTED THAT DO NOT BELONG TO ME AND AN ACCOUNT LISTED ON XXXX. ALSO TRANSUNION HAS AN INCORRECT DATE OF BIRTH FOR 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 2021-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I was threatened by a XXXX XXXX from a XXXX XXXX XXXX XXXX XXXX Firm. I received a phone call stating that their was a client who had sued me in the county I lived in and that there was a judgement against me. From there, I was told I had one opportunity to resolve the matter with the client if I selected " 1 '' on the keypad of my phone, which I did. I was connected to " The desk of XXXX '' who then recited my social security number to me, as well as the county I live in. She told me she worked for a mediation firm who was hired to resolve this matter as there was a judgement and claims against me in my county as we speak. When I asked the name of the company she told me they were " XXXX XXXX XXXX  ''. When I asked her if she was attempting to collect a debt she said " we are just trying to resolve this '' but could not tell me a way in which they were trying to resolve anything, other than taking my money. Afterwards, I asked her if she knew they were violating FDCPA, she said they were not because the statute of limitations on the debt didn't apply, which is false. I asked to speak with her manager and the man I was connected to said that they were hired from Wachovia and a place called XXXX. After I asked further if they were hired by these companies or if they had purchased the debt from one of these companies, he hung up on me. When I called back he said that they had misidentified me, they were looking for a DIFFERENT girl who had my name and social security number and they would be returning these files to their clients. When I said that can not be considering they had all of my information and that I was going to follow up with the legality of their 'firm ' he replied with more threats, stating that I had falsified information by confirming a birthday that was no my own and that I should think about that. I told them I was confident they had purchased this XXXX XXXX XXXX debt and were collecting from people illegally while using abusive tactics and he said because I was accusing them he would have to terminate my call and would not answer afterwards. I feel so sorry for the people who do not know better and fall for these aggressive tactics. This all happened on XX/XX/21 and I never got to hear how much they were claiming I owed before they were too scared to give me any other information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: CA

Complaint narrative:
XXXX of 2021 I received my credit report in an attempt to verify all debts due to unauthorized / fraudulent activity. 

I contacted Sunrise Credit Services who immediately forwarded my call to XXXX who stated I owed them {$2100.00}. I have never consented nor authorized XXXX  to open an account under my name, address, social, nor any other personal and private information for XXXX  services. 

XXXX  refused to address my dispute/claim over the phone, and refused to agree to mail me information to verify this account. 

Someone is using my personal identity to open accounts under name, address, social, and other personal information as fraud.

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