vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was so surprised when looking over my credit report and found a late payment in XX/XX/2018. 
I don't even know how this happened. I believe I always made my payments to you when I received my statements. My only thought is that my statement didn't get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX  IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS

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 2018-11-26 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:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
XXXX XXXX XXXX is adding interest on top of a judgment that was paid through garnishments of my wife payroll for the amount of {$1600.00} that includes all charges and interests add during the judgment. However, XXXX is asking for the same amount for post judgements payment interest. For the amount of {$720.00}. 

Collection agency XXXX XXXX XXXX XXXX Wants more money on top of the garnishment that was given by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: OH

Complaint narrative:
Im XXXX I made a payment of {$120.00}, about 5 days later citi bank charged me again the same amount. I called citi bank and XXXXne of your employees apologized and refunded me back one of the payments. The next month I was charged a {$25.00} fee for a return check. I called and they said they would return the the fee and apologize because you were the ones that refunded me. I then learned next month that you turned my autopay off because you accused me of a return check even though it was your company that refunded that payment because you doubled charged me. I also found out that you never took the fee off. So the next day after my payment was due ( when I found out ) I called and the lady apologized again took off the return fee and said she would take off the late fee. I Immediately Told her to turn my auto pay back on and to run this months payment. Come to find out she only ran half of what was due for that month and she never reversed the late fee. NOW I found out that you closed my account because of the whole return payment may I remind you again that your employee refunded me one of the 2 payments you took out of my account because you double charged my account and she apologized saying it was your fault! So because of your mistakes you negatively impacted MY credit score and closed my account! I called today was told they would reopen my  account but then when transferred I was told that they would not open 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 monetary relief
Consumer complaint received 2018-11-26 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I disputed an account and transunion failed to respond within a 30 day timeframe as enforced by FCRA nor did they validate the account on my credit report was accurate

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 2018-11-26 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:
I am writing to request a correction of the following information that appears on my credit report. 
I am a victim of identity theft and I write to dispute certain information in my file resulting from the ID Theft. 
I have attached the items I dispute on my credit report. The items I am disputing do not relate to any transactions that I made or authorized. 
Please carefully review and remove or correct this information at the earliest possible time. 
Enclosures -Copy of the FTC Identity Theft Affidavit -Copy of the Social Security Number -Copy of the Driver License -Copy of the Utility Bill

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX IS ON MY CREDIT REPORT, THESE ITEMS ARE NOT MINE AND I WANT THEM REMOVED FROM CREDIT REPORT, XXXX XXXX XXXX XXXX SAME ACCOUNT NUMBER ON BOTH ACCOUNTS

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 2018-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: AR

Complaint narrative:
This collection agency, which is no stranger to paying millions in settlements to the FTC for their debt collection practices, is continuing to call me, using a caller ID spoof so it does not show their true phone number. 

I have demand they cease and they refuse ( which is not surprising ). I am filing a federal lawsuit under the FDCPA and TCPA on the next call.

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 2018-11-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I purchased my car at the end of my lease from Toyota Financial Services. I financed through my bank XXXX. The check for the amount of the car was sent to them and cashed closing the account, but there was an error on XXXX 's part sending the sales tax amount. Toyota Financial reported to the credit bureaus that I had not made my car payment which was not true. This dropped my credit score over 30 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
Rentdebt collection agency is reporting a collection on my credit from an apartment complex that I paid in full. When I noticed it on my credit, I contacted Rentdebt and then I sent them a validation request. They won't respond, but they continue to report it on my credit. The apartment is XXXX At XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Sometime last year I went into a XXXX XXXX  store in XXXX, CA to make a purchase. I was a long time XXXX XXXX  cardholder and was planning on using my XXXX XXXX card to make my purchase. The associate at the register told me that if I would apply to upgrade my current XXXX XXXX  credit account I would qualify for an extra discount. I told her I was not interested in opening another account or having my credit pulled. She explained I was only upgrading my current account to a XXXX XXXX XXXX XXXX and not opening a new account. I continued to decline and the associate continued to pressure me to accept after much back and forth I reluctantly agreed so I could purchase my items and leave the store. In order to keep my account current I decided to go online and setup auto-pay so that I would never miss a payment or become late because I know credit card companies love to charge consumers hefty late fees. Recently I became aware that my XXXX XXXX account was past due despite the fact that I was enrolled in Auto-pay. I was shocked and angry as I had recently received an email from XXXX XXXX stating my account was enrolled in Auto-pay but no payment was due at the time. After calling XXXX XXXX I discovered that I had two different accounts and Auto-pay had been setup on one of the accounts. It turns out that the associate lied and deceived me into opening an additional credit account with XXXX XXXX. The emails being sent from XXXX XXXX gave me a false sense that my account was indeed current and I had nothing to worry about. The fact that XXXX XXXX trains their associates to lie and deceive customers to open credit accounts without their knowledge is criminal. I asked XXXX XXXX to remove the negative marks from my credit because of the confusion and they denied my request. I called back several times to speak to a supervisor and was hung up on or transferred to XXXX. XXXX XXXX needs to take responsibility for there criminal actions.

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 2018-11-26 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:
XX/XX/2018 was notified that my account needed further verification to sustain the fact that myself the the secured account holder was truly the person who posted money for a Secured credit card this after receipt of monies sent with all proper Id to open the account and use has been continues for over six months .I complied and sent what was requested that was driver license social security card and utility bill this was on XX/XX/2018 as well it was confirm progressive received via fax .No further response until received a letter indicating documents had not been received therefore the account is closed.I called spoke with the initial representative who saw documents had been received and kindly argued the case to her supervisor on my behalf, she had become flustered and directed me to speak with the supervisor who i though would see the error and correct it.He did not but informed me that i should have gotten a police report or disputed a bureau for something i had nothing to do with.

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 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc.
State: MS

Complaint narrative:
i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
i have sent XXXX XXXX  certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature on XX/XX/2018. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. 
delivery comformation 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 2018-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MO

Complaint narrative:
XXXX XXXX-They continuously lose paperwork. I have had to re-send things several times. Customer service does not seem to understand how to resolve issues. They really seem to have no idea what is going on at all times. They did not process my Public Service Loan forgiveness information. It is 5 months later and received an email that I don't have it and it lapsed. So I no longer have Public Service Student Loan forgiveness and they seem to refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
In XX/XX/2018, we had a water leak. 
XXXX XXXX is the insurance company and US Bank is the Bank servicing the mortgage. 
After many delays in the process of getting the contractor and insurance company to agreement on the funds necessary to complete the work, they agreed upon a price and XXXX XXXX sent us a check which needed to be endorsed by the loan servicer, US Bank and ourselves. 
US Bank has sat on our insurance company 's check for over two months. US Bank has requested information from us four different times since we sent them the XXXX XXXX check for endorsement. Now, after  two months, they are now requesting a physical inspection of our home. Had US Bank been considerate of the fact we can not use our house, the four documents and the inspecton could have been requested two months ago when the insurance check was sent to them for their endorsement. 

US Bank 's servicing department is proving to be in competent and inconsiderate as a servicer. As a result, we have not been able to use our home for two additional months beyond the time it took to get the insuance proceeds from 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 2018-11-26 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: AZ

Complaint narrative:
XXXX XXXX states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX   XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XX/XX/XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX states account is mine, they have an address on the letter the responded to my complaint being in XXXX Florida. I have never lived in XXXX Florida, and the account they are reporting from XXXX   XXXX shows their documentation is addressed to my home address in Arizona. 
the so called proof of debt does not have my social security number on it, yet they have included it in their response to my complaint in XX/XX/XXXX. 
All they sent me were old statements from XX/XX/XXXX addressed to XXXX XXXX in Arizona, not XXXX Florida which has never been my address, and no identifying information that this is truly my account. 
I would like to see evidence that XXXX XXXX supplied them with my Social Security Number as they are basing my identity and their proof of my id on a Social Security number that was not provided to them by XXXX XXXX, I need a copy of documentation whereas the received my Social Security Number from the Original Creditor and not by submitting my name to the credit bureau and assuming it is my debt. Proper verification of me as being the debtor is required to be submitted to me, not some old invoice with an address they are not using to contact me. I repeat the attached letter shows they have XXXX FL. as my address, and how exactly do they have my SS #? send documentation of my SS # given to them by the Original Creditor, this account has not been properly verified as you can see from their letter subitted on the response to my complaint. this is not my 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 non-monetary relief
Consumer complaint received 2018-11-26 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: MO

Complaint narrative:
I responded to an offer via XXXX XXXX for auto-loan refinancing through XXXX to see what rates I'd be eligible for. I filled in some of the requested information online but did not return to complete the process. A representative from the company called me the same day ( XX/XX/2018 ) and got additional information about my vehicle and said someone would call for a follow-up. Then on XX/XX/XXXX, I received an alert from XXXX XXXX informing me that a new inquiry was added to my TransUnion credit report. I never gave permission for my credit to be ran. I was never given an offer for refinancing via telephone nor the web portal. Per XXXX 's FAQ, " During the application, we do a soft pull on your credit that will not negatively affect your credit score.  Only when you choose an offer to submit for lender approval, does XXXX run a hard pull against your credit which may affect your credit score. '' I spoke to XXXX XXXX about this issue and he said he'd conduct an investigation and get back to me. This was XX/XX/XXXX and I haven't been contacted again since. I sent him a follow-up e-mail last week which has not been responded to.

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 2018-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 

Account Name : GM FINANCIAL XXXX : {$25000.00} XXXX XXXX : XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Nationstar Mortgage consistently reports my mortgage as not received. I contacted them 6 months and disputed it thru the 3 major credit reporting companies. Nationstar fixed the problem for approximately 3 months and has stopped reporting my mortgage as being paid. This has dramatically impacted my credit score.

Company response to consumer: Closed with explanation