vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
Im reaching out because on the dates of XX/XX/19, XX/XX/19, and XX/XX/19, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX XXXX and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX   Original Creditor : XXXX Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
i was given a 10.25 % loan.The company classified this as an investment property. It was and is my primary residence.I have tried to have this modified since XXXX only to be told the XXXX did not work. It does.. 
I have also asked for proper accounting and a QWR answered. I have been ignored.in violation of Federal Servicer act 12 U.S.C. 2605 { c }.

Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX. XXXX, a collector for original creditor, XXXX XXXX XXXX XXXX is wrongfully appearing on the BIG 3 credit bureau reports and possibly others.

This can only be interpreted as a secondary level of extortion.ALL OF THE DEBT evolves from a @ XXXX dollar deposit not credited in a timely manner, according to the banks account disclosures booklet, resulting in more than XXXX @ XXXX dollar check bounce fees on many small items of approximately {$4.00} to {$10.00} dollars each.By not crediting the deposit made hours before the proper disclosed business day cutoff, and taking their time to credit the deposit which paid overnight, the XXXX bank self-generated about {$350.00} in fees. 
Federal reserve guidelines were not adhered to regarding bank cutoff, hold times, business day, banking day, etc so that the bank could generate massive illicit fees without risk or investment.The unscrupulous bank has now turned their illicit endeavor over to professional extortionist XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I opened a MoneyLion checking account in XXXX, 2019 in response to their Pave the Wage advertisement. 
I installed their mobile app and clicked " opt in '' on the in-app advertisement for the Pave the Wage promotion. 
I direct-deposited over {$3000.00} per month in XXXX, XXXX, and XXXX. 

I subsequently emailed their customer support twice, once in XXXX and once in XXXX, to confirm that I had successfully opted in to the promotion. XXXX and then XXXX responded, but the answers were robotic and unhelpful - same form response when I replied to confirm. 
I later opened another support request in XXXX. Their support ticket system had changed. XXXX confirmed that I had opted into the Pave the Wage promotion but that I was " not on the list. '' She said " I am escalating this to have them add you to the list. '' I wrote in a week or two later, and XXXX XXXX explained that there is " nothing needed on [ my ] end '' and that the " issue has been escalated for review and to be added on the list once confirmed. '' He or she said " there is still some processing for review on this feature. '' I opened more tickets over the following weeks and months, but customer support reps XXXX and XXXX were unable to locate my account. I used the same email every time. XXXX did not answer, but explained that they had " higher volume than normal '' and told me to call. After half an hour on hold, I gave up. 

I am owed {$590.00} per the terms of the Pave the Wage promotion but have received nothing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am XXXX years old and I wanted to check my credit report for the first time but the credit report websites ask me questions about loans and bank cards made in my name that I have no part in and the dates in which they ask for was when I was still a teenager. 
XX/XX/20 experian.com

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 2020-01-14 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: IL

Complaint narrative:
On XX/XX/2019, I received a copy of my credit report from Transunion notifying me of negative items on my credit report. On XXXX XXXX, I sent them a letter under FCRA guidelines to properly investigate and delete all unverified items and notify me when such is done. I then received a letter from Transunion on XX/XX/2019 stating that the items were verified. I received no evidence that it was verified with my signature which is required under section 609 and 611 of the FCRA. I sent another letter on XX/XX/2019 to notify them the items have not still been properly verified. I then received another letter on XX/XX/2019 which held the same information that the previous letters contained. They are not operating under the laws of the Fair Credit Reporting Act and it is being shown in their unprofessional investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: IL

Complaint narrative:
Im reaching out because on the dates of XXXX, XX/XX/XXXX, and XX/XX/XXXX, I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer.This is an automatic FCRA violation of not properlyhanding my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Collection Agency : XXXX XXXX Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Balance : {$2000.00} Collection Agency : XXXX XXXX  Original Creditor : XXXX  Open Date : XX/XX/XXXX Balance : {$230.00} Original Creditor : XXXX  XXXX XXXX Open Date : XX/XX/XXXX Balance : {$2700.00} Also, I know they are reporting addresses that I have never lived at.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
I have paid this vehicle off in XXXX of 2019. They never applied my payment even though the copy of XXXX XXXX check was sent to them via fax, email, and certified mail. I was told by multiple agents, the last being XXXX in the executive office that it was received. They have constantly put my phone number on a do not call list when I never asked for that. I am doing all the calling. When I leave a message I leave a phone number and the best time to call as I can not have my phone on at work. They totally disregard my request for answers, then say they didnt receive information and assign my car for repossession. They have even changed my address for to unknown address even though I have lived in the same place for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX  NA with ACCT # XXXXXXXXXXXXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX  with ACCT # XXXXXXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account.

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Credit Adjustments Inc
State: AZ

Complaint narrative:
This was several months ago, i have been very busy. I got a letter in the mail for a loan i apparently took in 2012. I did do financial aid aka fasfa. That was token care of. Now i have this letter saying i owe XXXX XXXX dollars, and its a letter from an collection agency. I contacted the agency and they say its for a loan in XXXX of 2012, but there were 2 loans and for a school called XXXX XXXX XXXX XXXX and XXXX   located in XXXX, florida. Problem is i live in XXXX arizona, and never have lived any where else. So some one used my ssn to create a loan for this school. I tried talking to the agency but they were pretty much not caring and really didnt want to help, they told me to go to this website and wouldnt tell me how to navigate from there. They were getting frustrated. As i have had 2 tax refunds token from me, totaling about XXXX XXXX This has been a big hassle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/20, I contacted BMO Harris Bank via phone to close my checking account that has {$0.00} in it. I was asked to verify my identity, and even though I am 100 % sure I answered all the verification questions correctly, I was told that my identity has to be verified another way. Consequently, I opted to have my identity verified through a text message associated with my phone number. I repeated to the representative the confirmation code I was sent, but again, I was told that I'll have to be verified another way. Now, I'll have to send BMO Harris Bank a copy of a current photo ID that has to be notarized ... .. Seriously, what bank asks for a form of photo ID that has to be notarized. I'm not spending around {$10.00} in order to close a checking account. I demand that my account be closed immediately and sent an apology for having wasted my time because of BMO Harris Bank 's antiquated and ineffective forms of identity verification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NM

Complaint narrative:
XX/XX/2019 XXXX charge back done on amount of XXXX upon doing so I was notified that a refund was being held by XXXX for the amount of charge back and told that they must wait till netspend releases the charge back I contacted netspend to have this charge back removed told netspend why I needed it removed and had netspend corporate office check with XXXX on said hold of fund to make sure removing charge back was the proper action netspend corporate assured me that in doing so after they checked with XXXX that yes XXXX had the XXXX on hold and dropping the charge back would in fact allow XXXX to issue me my money well that was not true XXXX upon netspend releasing charge back XXXX did not have any funds now this was all recorded and if investigated will show the netspend corporate office told me false information that lead to me losing any ability to reopen a new charge back against the merchant for the amount of XXXX and I have tried to resolve this with netspend corporate office I have been a loyal customer with them made many deposit the refuse to even look back on what took place on the phone conversation I really would thank you so much if you can help me to resolve this also netspend passes it off to XXXX telling me it's there problem and XXXX says that netspend is the one that is responsible this is a mess and I lost a amount of money I cant afford to lose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITY NATIONAL BANK
State: OH

Complaint narrative:
City National Bank did not provide the CRA Public File in a timely manner ( 5-calendar days ) as per Regulation BB 228.43 ( c ) ( ii ). This occurred between XXXX XXXX and again XX/XX/XXXX. 

Additionally, substantial parts of my complaint were not placed in the Public File under Comments as per my request and per Regulation BB 228 43 ( a ) ( 1 ). I learned this when I again requested the CRA Public File XX/XX/XXXX. 

The CRA Officer XXXX XXXX merely referred me to the Public Evaluations online and said " pretty much everything you want is in there. '' When I continued to plead for the entire Public File, he said I had to come to the Headquarters Branch, that he could not produce the files electronically. I explained that the spirit and intent of CRA was to make information available to all consumers by reasonable accommodation and explained a scenario that if I was low-income, without a car, and XXXX and couldn't ride the bus, this should not preclude me from exercising my consumer rights. This conversation string of emails and my scenario were omitted from the Public File and I believe this should be visible for all to see in the Comment File.

I urge you to ensure proper violations of law are cited against City National Bank and appropriate ramifications enacted so others do not have to ensure this inconvenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14 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: ACIMA CREDIT, LLC
State: IL

Complaint narrative:
Company is reporting my account as a charge off and the account is open and was paid in full.

Company response to consumer: Closed with explanation