vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Since XXXX of XXXX I have made numerous attempts to work out a resolution with Citibank. I even had an attorney assist me. Citibank refused to answer phone calls, return messages, respond to emails or mail correspondence. As a result I have a negative debt on my credit rating and had to pay an additional {$600.00} damage deposit to get into a new apartment. I fully intend to resolve this debt, but can not get Citibank to work with me. Now, in spite of a XXXX credit score I am being denied access to housing without having to pay an additional damage deposit. If Citibank had worked with me in XXXX, XXXX, this would not be the case. Our last attempt to reach out to them was in XXXX, XXXX. Thank you for your time.

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX    XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I file 2 disputes with transunion they refuse to verify items on my credit report that is not reporting accurate which is preventing me from getting a home

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 2020-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JTM Capital Management, LLC
State: MI

Complaint narrative:
For the past six months, Ive made several attempts to speak to some one about this issue. Ive left several voicemails. I have not got a return call you yet. I disputed this on my credit. They refused to remove the item, that I am inquiring about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Re : Experian - Failure to UnFreeze Credit Profile Certain state agencies, with which my office is required to regularly works now run comparative security analysis of credit cards against my Experian profile. As a matter of security, that profile is generally frozen. Over the last couple of years, after a great deal of work, I have been able to access the " freeze '' of my profile and move forward with my work. This week, I have again been required to temporarily " unfreeze '' my profile. 

Experian has made this access and removal of the freeze virtually impossible. Their website is a warren of pages seeking to sell other credit services. When one finally finds the correct page to " unfreeze '', one is walked through an extended identification process. Even with the most careful and exacting input, the process leads to a dead-end page requiring written correspondence with Experian over and a very extended date of answer/resolution. Use of the extended resolution period would destroy my office 's ability to freeze/unfreeze my Experian report and thereby use my credit card use with several state agencies. All direct contacts ( phone and email ) referenced on the page produce NO IMMEDIATE MEANS OF RESOLUTION. 

As EXPERIAN has, in its actions, created a system whereby I am denied certain credit ( even though my credit score is in the top 1 % of those in the country ). Further, they have created a system under which the " freeze/unfreeze '' consumer benefit has essentially been eliminated. They should be immediately be sanctioned and required to simplify their process. 

XXXX XXXX XXXX, XXXX. 
XXXX 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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
XXXX XXXX For my escrow account, Shellpoint Mortgage company has withdrawn excessive amounts of 3 tax disbursements and 2 insurance premium payments. 
For tax disbursements the city takes quarterly payments, not 3 city tax payments all at once. 
This needs to be corrected and the excessive amounts withdrawn returned to my escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
Hello, on XX/XX/XXXX I received an MyFICO alert informing me a collections was added to my account. I immediately logged in to check. Its a collection thats being reported from AFNI for XXXX. Ive NEVER held an account with XXXX. I contacted XXXX  and they opened a dispute for me. I ALSO contacted AFNI asking what this collection was about and they couldnt answer me. I asked if they could provide me with a BILL and/or signed contract and the woman told me she couldnt locate one. If you cant locate a a signed contract, then what exactly are you holding me XXXX for? AFNI reported a {$200.00} collection a couple years ago, and I had it removed. So NOW, theyve added a NEW collection account and added {$200.00} to it. Thats unacceptable. Ive heard many stories about AFNI being reported in XXXX practices but this takes the cake. Theyve only reported it to ONE bureau, which is one of the major reasons I know this isnt accurate. Please assist me with ridding myself of the harassment and horrible collection practices of AFNI. This HAS to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Almost nothing appears on my Experian credit report resulting in a XXXX XXXX nearly XXXX points lower that I get on Equifax and Transunion. 

XXXX has confirmed that they share my account history with Experian, but yet it doesn't appear. I have been with XXXX for XXXX years, yet nothing shows on Experian. I have had home mortgages for XXXX years - yet nothing on Experian. Auto loans - nothing on Experian. 

Applied for credit recently and was denied the full amount because the company used Experian. Getting {$8000.00} in credit should have not been an issue whatsoever. 

I can not contact anyone at Experian to add/seek out the easy to find missing information. Nothing on their website allows me to get anything added. And they are not looking. What do I do????

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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX 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 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX  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 2020-07-22 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: FL

Complaint narrative:
I filed 2 disputes with experian they fail to verify accounts on my report as 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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called Chase asking about applying for the XXXX XXXX relief because my area is the number one hot spot in the country. I have XXXX I explained that to the rep and was told dont qualify for relief.I told her I am on unemployment because of my condition. I asked to give a valid reason why I couldnt get XXXX XXXX  relief couldnt give me valid reason.believe I signed for insurance on credit card if I get sick or laid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 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: FL

Complaint narrative:
I filed 2 disputes with equifax they refuse to verify the accounts as reporting 100 accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.

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 2020-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
On XX/XX/2020 at XXXX XXXX, I received an email from Paypal that stated someone logged into my account from California, however, it was not me ( I live in PA ). Then there were four more messages sent from PayPal ( all the messages were in XXXX ). I was able to log into my PayPal account and change my password but the hacker already opened a business account using my credit. I was able to call PayPal to close the account. The name he switched the account to was " XXXX XXXX '' and had an address in Texas. Please keep a lookout for this name. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX I requested another investigation into my credit report and proof with documentation, instead I received a letter stating that my file will remain unchanged and was updated. They failed to provide proof and replied with they gather data from a third-party company XXXX. As stated before Experian refuses to properly investigate this item and has failed to do so and has wilfully kept reporting this on my credit likes its states in the attached files they verified it in XX/XX/XXXX which was through a third-party company and failed to provide proof. They are in violation of the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify - through physical verification of the original signed consumer contract and/or judgement ( s ) - all accounts and public information that you post on anyone 's credit report. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed they dont report any information to Experian Credit Bureau, therefore this was has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. Im demanding this public record to be removed from my account and the invoice provided for violations be paid in full.

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 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
XXXX was my servicing company prior to Select Portfolio Servicing Inc., I've called them on several occasions to provide me an explanation of my amortization not amortizing correctly. My issue is that approximately XXXX cents to {$1.00} is going towards my principal. I was told at one point that everything will come together upon the end of the contract which is in XX/XX/2036. I don't see that happening based on the loan not amortizing appropriately. SPS has all documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
failure to MOV, in accordance to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth by law on my disputed Items.

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 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My long time credit score of appx. 800 to 820 dropped to approx.700.  The only thing I thought might have caused the huge drop was the mix up with my CapitalOne account ending in ... XXXX. I have another CapitalOne [ CO ] account ending in ... XXXX. 
To help matters of confusion I asked CO on XX/XX/XXXX if they could issue me one different  looking card, which I thought might help this XXXX-year-old gentleman. The lady on the phone refused. So a few days later on XX/XX/XXXX I cut up # XXXX card up, mailed them a final check # XXXX in the current balance due, {$24.00}, less {$2.00} in Loyalty Reward Points ; and asked CO to please close the account. Additionally, I returned a phone case that won`t fit my cell phone. I wonder if that caused some confusion. Meanwhile, I received a trailing bill from CO acct # XXXX in the amount of {$92.00} [ Previous Balance?? {$52.00}, More Late Fees {$39.00} & More Interest XXXXcents ] due XX/XX/XXXX. Out of disgust, I mailed them another check # XXXX on XX/XX/XXXX in the full amount due of {$92.00}. 
Can you please help me..restore my good credit?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
XXXX19 an application was submitted at XXXX of XXXX on my behalf in error. Capital one has been notified of this error on SEVERAL OCCASIONS from myself, XXXX of XXXX AND all 3 credit bureaus yet they have failed to have the inquiry removed. This has negatively impacted my credit report and i shouldnt have to spend months of my time getting a mistake THAT I DIDNT MAKE corrected. The representatives at XXXX have been rude when I call, place me on extensive holds and disconnect calls NO ONE HAS EVEN CONSIDERED HELPING as a business THATS JUST TRASH!!! Ive sent letters as well but the fact remains XXXX has to fix the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received my XXXX 2020 monthly mortgage statement from Suntrust and noticed 2 separate charges on my account : XX/XX/XXXX - FAX FEE - {$15.00} XX/XX/XXXX - FAX FEE - {$15.00} I called the customer service line to inquire about what these charges were for and was told that they were for faxing a payoff to someone who requested it. I am refinancing my mortgage, so I would expect that a payoff would be requested. But there is no way to justify a {$15.00} charge to send a simple fax. I can see charging a small fee, but {$15.00} each time someone calls is just exorbitant. 

In addition to that, when I asked the gentleman on the line why they would allow someone else to request something on my account that would result in a charge that I have to pay, his response was that if they have my name and address, it is Suntrust 's policy to give them whatever information they want whether or not it will result in a charge. I asked him to make a note on my account stating that they need to call me before they perform services for someone else that they will charge me for, he told me that the requester would need to call me, Suntrust would not make that call to me. So they are not even willing to give me the option of approving or denying someone else having access to place charges on my account. Seems like a simple courtesy to me - if you're going to charge me {$15.00} for a fax that someone else requests, you can't call to inform me of that and make sure that I approve? Instead, it sounds to me like the gentleman on the line is saying that it is Suntrust 's policy to let anyone request any information about my account that they want ( as long as they know my name and address ) and they'll just place a charge on my account for that request. How can that be okay?

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