vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-03 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: TX

Complaint narrative:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, XXXX, equifax, XXXX and any other parties who have access to my information and debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After reviewing my personal credit report I attended XXXX XXXX XXXX XXXX XXXX in XXXX the school was under federal investigation of fraud and accreditation at the time. Due to the school going through this investigation in XXXX I am questioning the credibility of my diploma and student loans. The investigation was found as an false claim act in XXXX showing misuse of funds and a lucrative scam. The paper work required to enroll was forged by school officials which resulted in thousands of loans and tuition granted to students like myself. I was lured in to believe that this would be beneficial to my career. proof Quoted from XXXX " XXXX False Claims Act complaint was filed in secret in XX/XX/XXXX. It alleged that XXXX had engaged in a systematic and nationwide fraudulent practice of forging documents and records to create an appearance of student eligibility in order to receive federal funds. Due to these findings I was disbursed money while this institution was under federal investigation which is against the FCRA. This has caused me to have thousands of debt that is unwanted and a diploma that is ineligible. I am experiencing hardships with repaying loans that I never should have occurred due to this federal investigation. I am requesting you send this information over to XXXX  XXXX, experian, XXXX, XXXX and any other parties who have access to my information and 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 explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I am So fed up with this company this is the THIRD time that I've had to submit my information because they claim they can not verify my identity with my documents which makes absolutely no send because I have sent legible government identification. Please complete my request thank you. By the way please do not put a phone number if you never answer nor call back any one, that's very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: UT

Complaint narrative:
In XX/XX/2020, I discovered that an unknown person had access to my bank account. My bank account had to be closed and another account with a new number was opened. I went online to Nordstrom to update my banking information. I attempted to delete my old bank account but was unable to do so. XX/XX/XXXX, I made a payment for {$50.00}. On XX/XX/XXXX, I made a payment for {$300.00}. Unbeknownst to me, I made a payment from the closed account which was the default account ; making me 63 days past due. My statements are set to be delivered via email ; however, did not look at them as I have paid my bill every month on time without issue. I did not receive a phone call from Nordstrom about being 63 days late until XX/XX/2020. I saw the negative marks on my credit report, contacted Nordstrom and they were unable to help me. I have talked to Nordstrom customer service about have the 30-day late mark removed, however they explained that they are unable to do so. I have since deleted my old bank account and brought my account current. The 30-day late payment has dropped my credit score 43 points and it has had a negative impact on my life. I am requesting that the 30-day late payment be removed as soon as possible. I have tried to work with Nordstrom to no avail. I have never missed a payment or made a late payment to Nordstrom and I would like the mistake to be cleared up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I took advantage of a citi flex loan offer from my credit card. I spoke to a representative at Citi who was helping me with the loan. I was concerned with the card reporting a maxed out which would negatively affect my score. The representative reassured me multiple times that it would not show on the credit bureau and she even checked with a supervisor. When I went to refinance my home, I learned the card was shown as nearly maxed out and it had dropped my score 30 points. I called Citi to see if I could get a credit limit increase instead of having to pay off the whole card. Multiple representatives informed me I was ineligible for a limit increase to decrease the utilization of the card. In summary, the citi representative I first spoke to lied to me in order to make the sale. Then, the bank would not help me out to increase my limit to lessen the impact the card has made on my credit.

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 2020-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: CA

Complaint narrative:
I'm just trying to get help with a collection account that I've been fighting for a long time. 
A collection agency is saying I owe over {$2400.00} for an XXXX   bill. I do not owe them {$2400.00}. 

I've tried speaking with XXXX  in the past and no one could ever tell me why they were charging me so much money. I had Service for XXXX  for several years. Whatever contract I may have signed with them should have been completed so there shouldn't be any outrageous charges. When they hit me with a bill that was several hundred dollars I called them and informed them I was cancelling services with them. I believe I even paid any fees they wanted at that point. To tell me I owe {$2400.00} is just crazy. 

Please help me in fighting this account. I do not owe it and the collection agency is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I sold my home on XX/XX/2019. 

XXXX XXXX XXXX in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. 

I keep telling XXXX this and they keep trying to collect money from 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 2020-03-03 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: IL

Complaint narrative:
I have accounts on my XXXX  credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to XXXX  numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXXt which is now called XXXX XXXX Also i have attached the police report below Transunion  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX  ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.

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 2020-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter from SUNTRUST, XXXX XXXX XXXX, XXXX, GA XXXX CENTER XXXX referring to " a hold during review of recent deposit ( s ) ''. I DO NOT, REPEAT, DO NOT HAVE ANY ACCOUNTS OR OTHER FINANCIAL RELATIONSHIPS WITH SUNTRUST. I sent the company a letter to the address provided stating this.

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 2020-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Car was voluntary returned due to the vehicle being sold with too many issues ( lemon ) plus it is on the top 10 most stolen cars list which is unsafe. 

Bank branch promised to update the balance but has not and keeps continuing to call and leave harassing messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-03 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: CA

Complaint narrative:
i paid off the balance of this credit card however it was still sent to collections

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
Transunion reported Supplemental Public Records and Residential Information as well as Supplemental Consumer Credit Information to XXXX XXXX XXXX on XX/XX/2020. I have no account and no current or recent dealings with that company and I want to know why they are asking for and being given this 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 non-monetary relief
Consumer complaint received 2020-03-04 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:
please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/XXXX  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Experian is only company reporting this error

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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Vericred Solutions LLC
State: FL

Complaint narrative:
A company named VeriCred Solutions just reported a {$7200.00} balance on my credit report. Prior to this account appearing on my credit report today, I never received my 30-day notice of right to dispute. When I called the company to ask why they reported this debt before contacting me, they would not give me an answer. They just said they were going to sue me. I still have no clue what it is, or where it came from. They are violating several of my individual federal rights, under the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. 

Your agency must also provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
there are a couple of things that are incorrect on my credit report and it is affecting me negatively

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 2020-03-04 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Called TransUnion because I have been trying to apply for a loan and they will not give me a credit score, or the banks that have been trying to run my report. I spoke with a  representative at TransUnion about by non existent credit score.. he told me that I did in fact gave a score but he couldnt give it to me unless I paid the monthly member fee of {$29.00}. And I asked again if I did infact have a score and he said yes that he was looking at it but he could not give it to me.. and obviously no else.. now I know that my credit score was low the last time I checked a few months ago.. I had done credit dings.. now they are all gone from my report except one, and it says I paid on time and closed the account after a few years ... so how can he refuse me and the banks my credit score? And when I run my free yearly report.. nothing ...

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I signed up for Citi AAdvantage card, and was promised a promotional bonus of XXXX XXXX XXXX miles, on spending {$3000.00}. 

I wanted to confirm that Citibank has correctly issued these bonus miles. 

The reason for me asking for this confirmation is that XXXX XXXX is alleging that the bonus miles were not issued correctly and have therefore suspended my account. So I wanted to make sure that everything was correctly issued from Citibank 's side? 

Thank you.

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 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I sent a letter to each of the three credit bureaus ( Experian, XXXX, and XXXX  ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.

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 2020-03-04 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: Nelnet, Inc.
State: CA

Complaint narrative:
please remove fraudulent accounts XXXX  XXXX opened : XX/XX/XXXX dept of education/nelnet  opened XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  is only company reporting this error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
there are a couple of things that are incorrect on my credit report and it is affecting me negatively

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC
State: TN

Complaint narrative:
there are a couple of things that are incorrect on my credit report and it is affecting me negatively

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I signed up for this Citi AAdvantage card on XX/XX/2019 with a promotional bonus offer of earning XXXX XXXX XXXX miles if I spend {$2500.00} within 3 months. 

I fulfilled the terms of the signup offer and Citibank issued the miles. 

Can Citibank please confirm that the miles were issued correctly, because XXXX XXXX is alleging that the bonus miles are not issued correctly and have therefore suspended my account. 

So I would like confirmation from Citibank on the bonus miles being correctly and accurately issued on their end so I can then get XXXX XXXX to lift the account suspension.

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 2020-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NH

Complaint narrative:
My mortgage was sold from ocwen to phh one year ago at this time my mortgage was 1.5 months behind but I had a payment agreement. Due to graduating nurse practitioner school and a job transfer. The mortgage sold they were unable to locate it for 2 months. I paid 2 payments and it was applied to my escrow then called back to make third and was told they would only accept 3 months In full .. forced me to do a modification. Completed trial payments had to call ever week to get status now a year later they have my payments in holding my act reflects nothing paid my credit is shot and it takes four weeks calling every three days to be told they will put another task for someone to call me back. In turn no calls me calling numerous times to be told now they denied my forms cause they are not notarized. Confirmed my forms are In deed notarized they put in another task four more tasks later now they say my forms are not accepted cause notary used my middle initial. I just get run around and want to pay and fix this but cant insure my house is safe or where my money is going. Never mind get a straight answer from anyone on there staff after hours of hold times

Company response to consumer: Closed with explanation