vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-21 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various XXXX XXXX XXXX  declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: GA

Complaint narrative:
To Whom It May Concern : My name is XXXX XXXX. I as alerted from my credit monitoring service that new inquiries were noted on my credit file. So I randomly Transunion credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there were no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. The credit bureaus can only investigate and remove hard inquiries. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. I would like the hard inquiries removed. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, the items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 I, XXXX XXXX , am giving full authorization for this request and removal of hard inquiries as stated above. The purpose of this request is for the removal of hard inquiries on my credit report as listed : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 2021

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently obtained a copy of my credit report and noticed many accounts that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
During the Pandemic, my mortgage company allowed Pandemic forbearances. I received this and assumed I was still in the forbearance period. Friday or Saturday Last week, ( XX/XX/XXXX or XX/XX/XXXX ), we received a notice of foreclosure via certified mail. I call the mortgage company yesterday ( XX/XX/XXXX ) and told them that I thought we were still in the pandemic forbearance period. They said that the forbearance ended in XXXX. I asked why didn't someone cal me or email me to tell me that I needed to do something prior to the foreclosure starting. They said they didn't have authorization to call me or email me. This is not true, as I have emailed and called and been called in the past. I also stated that I thought they were not allowed to foreclose during the pandemic and that there was a relief program in place for pandemic sufferers. 
The person that I spoke to was rude, continually interrupted me. Repeated the same thing over and over. Would not deviate from the scrip he was clearly reading from. When I asked to speak to a supervisor, he told me that there were none available. This could not be true. If there are people working, there are usually supervisors available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Incomm Holdings Inc.
State: NC

Complaint narrative:
On XXXX I loaded {$60.00} on a XXXX  prepaid debit card to pay my phone bill. I asked the cashier at XXXX before I did that if it would be ok to put it on my old card since I hadn't activated the new one yet. And she said that would be fine, she took the cash and swiped the card and the transaction went through. She gave me 2 receipts and I went to pay my bill and it got declined. I went back in the XXXX and told her it didn't load she said well maybe you should activate your new card and then it will be on that one. So I did this, and still nothing happened. Then I asked to speak to a manager and she said " you just got ripped off '' and that they couldn't help me. I called the XXXX card and finally got someone and told them what happened and they said they do not see where the transaction came through and that they couldn't put the money on the card nor refund my {$60.00}. Hopefully you can help me get this resolved soon because my phone bill isn't paid in full and I need this please.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX RE : XXXX XXXX XXXX XXXX I was trying to open a bank account and I was informed that I was in XXXX XXXX and EWS. I attempted to get it resolved as I don't recall ever having a delinquent account with XXXX XXXX. I just received a response letter from XXXX XXXX via a CFPB complaint and they are saying that they are unable to verify my identity. If they are unable to verify my identity then that means that they are unable to verify who any alleged accounts associated with my name and consumer ID number may belong to. That being the case, any information that is being reported on me on XXXX XXXX and Early Warning Services is unverifiable an unable to be reported legally. As per section 611 of the FCRA. This inaccurate and unverifiable information needs to cease and desist from being reported immediately and also be deleted permanently. 

All of the alleged account numbers are attached All of these accounts need to be deleted and I am hereby seeking remedy of {$400000.00} for violations of the FCRA section 611 as well as damages for willful negligence and pain and suffering. Please make the payment to the name and address listed above and delete these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
company was sent copy of idenity theft report as well as police report, company failed to remove the debt, failed to provide proof of debt signature picture id and location debt was obtained

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 2021-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Notice to all, I am that I am, a citizen of XXXX, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name, XXXX, XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$2000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: Total Card, Inc.
State: CA

Complaint narrative:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: DC

Complaint narrative:
I disputed all of my payments that are erroneously not being counted towards my PSLF progress a year and a half ago. I call every month and Fed Loan refuses to correct the count, claiming a backlog. Now that my loans will be transferred in XXXX, its certain that Fed Loan has no intention to rectify their error. They're now miscounting all of the CARES Act payment moratorium months as well, and delaying my forgiveness date by two years. Please help to correct my timeline before transfer. I've been paying in full and on time since XX/XX/XXXX, so my last payment to satisfy forgiveness should be XX/XX/XXXX. 

I have continuously worked for the federal government and certified my employment for PSLF and PAYE recalculation annually in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I refinanced my mortgage from RoundpoinXXXX to XXXX, closing XX/XX/XXXX. The payoff check arrived at Roundpoint on XX/XX/XXXX. As part of the refinance, XXXX obtained a payoff quote from Roundpoint. Included in that payoff quote was a line item called " Pro Rata PMI '' in the amount of {$290.00}. This payoff quote was for a payoff received by XX/XX/XXXX. Since it arrived approximately 13 days early, I was told I was receiving a partial credit and only being charged {$270.00}. At a rate of {$4.00} per day that's about 3 days credit. However instead of crediting me the approximately 14 dollars I was charged again, this time directly from the escrow account still with Roundpoint. I have two complaints. 

1. The credit should be 13 days at {$4.00} per day, or about {$63.00}. 

2. The {$290.00} was included in the payoff sent by the bank. Taking any PMI out of the escrow account after is duplicating that payment. 

I have the payoff quote showing the pro rated PMI being included in the payoff. I have the closing documents showing the payoff sent to Roundpoint included the full {$250000.00} for payoff as quoted by Roundpoint. I have screenshots of my online account showing my escrow before and after they took the final PMI payment out, as well as the line item in the account detail showing it was for PMI. I have conversation with a rep from Roundpoint claiming that I was charged correctly. 

I am also anticipating 13 days of per diem interest to be included for the overpayment due to the payoff arriving 13 days early. This overpayment is for loan interest calculated into the payoff quote, but not earned based on the time of payment received. 13 days at {$25.00} ( As stated on the payoff quote ) is {$320.00} in overpayment on interest. 

I should receive a check from Roundpoint with the following : {$2000.00} - Current escrow balance {$63.00} - PMI overpayment based on payoff date {$320.00} - Interest overpayment based on payoff date {$270.00} - PMI duplicate payment taken from escrow despite being paid in payoff Total of {$2600.00} I was told these go out within 20 business days of loan closing. Check should be post marked by XX/XX/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 2021-09-21 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:
Beginning XXXX of this year I began searching for a new homebuyer loan. My credit history was pulled and even though my credit was high enough the bank I was getting a loan from needed to see that I had sufficient payment history. I had two car loans with XXXX so was expecting that getting a loan wouldnt be an issue. What I found was that my good credit was reported for someone else under their social security number. The first attempt took two months before it was found that the request was sitting on someones desk being ignored. I was told at that point the issue was resolved. It wasnt! Once found the next step by XXXX was to call XXXX XXXX asking how we could move forward. I was then told that they were having issues getting a file created to send to TransUnion. Next, there was a file created and sent but rejected by TransUnion due to its date. When the file failed XXXX refused to submit another. My credit was reported using my fathers social security number and now I'm stuck with no credit and unable to move forward.

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 2021-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
I checked my credit report and notice a collection that I wasn't aware of. I don't have any contract with this or have received any correspondence from them explaining where they come from and how I'm to pay an alleged debt. The company simply went and bought a debt for pennies on the dollar and assumed it was mines instead of going through the proper channels and giving me my right to dispute. They are in violation of my FCRA rights. XXXX says the collection was open in XX/XX/XXXX on the other hand XXXX says it was open XX/XX/XXXX, and I'm completely confused with these discrepancies especially not knowing who this company is to begin with and how are they putting invalid information on my credit report stating I owe them a debt. I don't have a contract with them, I never signed anything with them, I never had a phone conversation, and I never received any mail from this company. They claims are false and destroying my credit it is hard enough to survive the pandemic and hold on to your credit especially when you working to become a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
The latest credit report I checked still shows that this account is being reported incompletely and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given.

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 2021-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank processing has been charging excessive overdraft fees for covered charges. The ledgers do not fit the the online mobile app. The overnight processing dose n't not match the info listed in the online mobile app. Even when the account is funded to a positive balance within 8 - 24 XXXX, consistently states that the processing on their side does not reflect what is seen on my side in he mobile app. Within 11 minutes the account was refunded and I still received a {$40.00} overdraft free based on the {$20.00} accidental charge, This is robbery. I have had so many problems with Suntrust now ( Truist ) from not being given a right to apply and receive funds for the initial PPP loan to being denied the right to open up a Bank Account with the original location I went to open my account at. I have had enough of these excessive overdraft fees and them stealing peoples money. Its mucg  bigger than the {$40.00} overdraft fee, This is extortion and robbery. I refuse to keep accepting this treatment. Suntrust. Truist needs to be fined and a class action lawsuit against them for these un coordinated and misleading processing practices. They are definitely robbing people if this is happening to other customers.

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 2021-09-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi bank has deceptive trade practices with luring in individuals in regards to doing a balance transfer at 0 % APR for a year, unless you use your card at all then it essentially nullifies this and you have to pay the entire balance or they will not apply the payment to the right balances due per segment of charges. For example, I signed up via their app to transfer $ XXXX at 0 % APR and paid XXXX transfer fee. Well I had purchases on the card like anyone would with XXXX that month. Since I had auto pays after the transfer processed they took my {$1300.00} payment and applied it to everything but that balance of the XXXX charging 23.99 % interest and you literally now can not pay it off unless you pay everything including that transfer off. Their disclosure is deceptive as well that they sent. It does not specify your balance transfer that you're making would have to be paid in full which literally cancels out your purpose and nobody would do it if that was clearly written and not a bait and switch tactic/deceptive practice. It removes your right to use your card as agreed upon after a balance transfer until it processes which is in their complete control which to me is a fraudulent practice. So now, I am out of the balance transfer amount, the amount they charge in a fee 5 % and any interest on the those amount from the previous statement that they refuse to appropriately apply the payments 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 2021-09-21 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: Klarna AB
State: NJ

Complaint narrative:
No authorized activity in my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21 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: AMERICA FIRST FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Tried several times to dispute several inaccurate and fraudulent accounts from America First Credit Union, reporting to my credit report. These items have been hindering me from moving forward with other financial endeavors I want to pursue. 

These accounts are reporting as a positive account and negative account. This is not correct as I have never applied for an account with this company.

Company response to consumer: Closed with explanation