vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On Friday eve XX/XX/XXXX, I was advised by XXXX, MA Police Officer to check my checking account/debit card balance. I had called the XXXX Police Department ; they dispatched an Officer ( to my home ) as I complained that I believed that I was in the midst of a scam ; I stated that in was happening in real time. 

As my account was in tact, the Officer understood my reservations, but no crime had been committed at that time ; hence her advice to check my account regularly. 

On Sunday morning XX/XX/XXXX, I was now overdrawn {$400.00}. On Saturday XX/XX/XXXX, my balance was {$1600.00}. I went to my regular Citizens Bank ( on the XX/XX/XXXX ) to speak with a Manager about my situation ; I brought documentation. She was of little help, unwilling or unable, and referred me to the bank 's normal customer service telephone number.

On Sunday by telephone a bank employee took a detailed complaint. She stated that I would hear from an investigator within 2 business days. I have to hear from an investigator.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-02 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: KY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ky XXXX ( XXXX ) XXXX BD : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : Disputing error [ s ] on credit report I am writing to request a correction of the following information that appears on my Experian consumer report, according to XXXX XXXX XXXX XXXX XXXX when they requested a report : Dispute : In applying for various loans recently, I am receiving letters back denying my request due to : SERIOUS DELINQUENCY TOO FEW ACCTS CURRENT PAID AS AGREED LACK OF RECENT BANK/NATIONAL REVOLVING INFORMATION TOO MAY ACCTS WITH BALANCES LOW CREDIT SCORE ( XXXX  ) These comments are NOT true. I have attached each credit report and they do not reflect any of these things. 

I would like to request you investigate this issue and have this corrected as soon as possible. I have worked long and hard to have good/excellent credit and would like this my reports to reflect this. 


Thank you for your assistance. 

Sincerely, 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 2019-02-02 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: FL

Complaint narrative:
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.

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 2019-02-02 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: FL

Complaint narrative:
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct 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 2019-02-02 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: FL

Complaint narrative:
Someone has been using my identity to apply for jobs, government benefits, open credit cards ... .ect ... .The following accounts are not mine or opened by me : 1 ) XXXX  XXXX XXXX  Acct XXXX XXXX 2 ) XXXX/XXXX  ( XXXX  ) Acct # XXXX 3 ) XXXX XXXX XXXX Acct 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 non-monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/, 2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX have hired a local attorney to help me restructure my personal and corporate debts without filing for bankruptcy. I am attaching a copy of the first cease and desist letter mailed out XX/XX/2018. A second cease and desist letter was mailed out two weeks later. However, my phone is still being flooded with text messages and calls from several creditors. Therefore, I want to end these calls and have the proper procedures followed in the process followed where my attorney will fulfill the final negotiations process. Some of these creditors are either assigning the collection process through a third party, and the cease and desist still follows to the third party in all exceptions based upon the Fair Debt Collection Practices Act. Accordingly, I am filing these complaints with the Consumer Financial Protection Bureau as a means of stopping all collection practices directly to me immediately. My only objective with these complaints is to cease all collection calls and text messages to me at my cell phone of place of business.

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 2019-02-02 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: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX   the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX  XXXX XXXX 5. XXXX / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB 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 2019-02-02 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: OH

Complaint narrative:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am XXXX XXXX the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following accounts are not accurate : Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX I have inquires on my credit that are not authorized and I have filed a police report for the follow inquires 1. XXXX 2.XXXX 3. XXXX XXXX 4.XXXX XXXX XXXX 5. XXXX  / XXXX XXXX XXXX 6. XXXX  XXXX 7. XXXX XXXX I WILL BE SUBMITTING A COMPLIANT TO FTC as well. I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB 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 non-monetary relief
Consumer complaint received 2019-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Pasted below is the correspondence I set the company Receiveables Performance Management of XXXX, WA. It describes what I believe is an incorrect attempt to collect a debt without providing any documentation or basis for the debt collection. 

Dear RPM, Re : Your letter of XX/XX/2019 Reference Number XXXX On XX/XX/XXXX19 you sent me a letter stating I owed a debt of {$170.00} to XXXX XXXX XXXX XXXX. I have no relationship with a vendor by that name. This is not a valid debt. Your attempt to collect it is incorrect. 

Please provide me with documentation to support your collection and confirm receipt of this communication. If you can not provide information to support your claim within 30 days I will file a complaint with the California Attorney General 's office and Consumer Financial Protection Bureau and may take further legal action without further notice to you ( except where required by law ).

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 2019-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On Friday XX/XX/XXXX I received a letter from XXXX  that they were turning the servicing of my account to XXXX XXXX XXXX d/b/a Mr. Cooper effective XX/XX/XXXX. The letter further states that XXXX   must notify me 15 days in advance of this transfer. The letter is dated XX/XX/XXXX which is 13 business days prior to the XX/XX/XXXX transfer date. If they created the notification on XX/XX/XXXX and then mailed it its not possible that I would have even received it within 15 days of my transfer date.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
In about XXXX of 2018, I updated my Wells Fargo mortgage account to automatically withdraw {$490.00} from my bank account on a weekly basis. I elected that {$130.00} of each weekly withdrawal go towards additional principal, and the remainder going towards additional principal. I noticed that after a number of statements, later in XXXX, that Wells Fargo was not processing my payments as I set them up on their website. They were processing most of the time three payments of {$490.00} to go mostly toward the total monthly payment ( total {$1400.00} ) and the  remainder of the three weekly payments ( {$56.00} ) towards  additional principal, a far cry from the {$550.00} that I elected. This resulted in a number of extra early payments that I did not authorize, since the monthly payments were paid every 3 weeks rather than every 4 weeks, and will have many more than the 1 extra monthly payment per year that I understand weekly payments will have. This will result with a lot more interest paid over the life of the loan and the payoff date being much later. 

When I contacted them about their errors, they responded on XX/XX/XXXX : " The funds from the weekly withdrawals are held in suspense until there are sufficient funds to complete a full month 's payment. As a result, the full monthly payment may post to the account prior to the fourth withdrawal. '' They sent me an updated amortization schedule with the additional principal being {$550.00} as I requested, and the payoff date being earlier where I expected it. In a follow-up message, they responded, " Please allow my to begin to confirm, your additional monthly principal withdrawn is indeed {$550.00}. Each time we withdraw {$490.00}, this represents one-quarter of a monthly payment, plus {$130.00} additional principal. '' The response is exactly how I wanted my payments to be applied in the first place, and I would have been satisfied if it were fixed there like he said. However, my most recent statement only has 3 payments of {$490.00} applied, and only {$56.00} towards additional principal.

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 2019-02-02 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
In XX/XX/2003 XXXX offered my ex husband and i a joint loan. We signed it. Nelnet nor the florida department of education nor XXXX XXXX  will split the loan in half as the divorce states we pay each half. I am at the whim of the borrower, my ex husband, who for 4 years hasnt wanted to pay the loan. Nelnet stated to consolidate it. its not a true consolidation ... ..i will still remain at the whim of my ex husband. Lawyers cant help me either. Lawyers have never heard of this type of arranged loan. The lenders dont make these loans anymore either. Our credit is terrible and we cant get private loans at this time to seperate it. We cant pay to the principle either ... even though they tell u on the telephone u can. Its all lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I ordered an item from XXXX that I never received I made a dispute with the credit card company and they denied my claim and they had really no evidence towards me ... I am their customer and my package was either stolen or delivered to the wrong address but they are still making me pay for it ... I even have a police report stating that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: CA

Complaint narrative:
I disputed an unrecognized debit card that opened under my name back in XX/XX/XXXX, and no progress has been made from the XXXX  or XXXX. I never visited or purchased at XXXX in person or online since XXXX ( which is verifiable from my transaction history at XXXX the only bank I use ) and I certainly did not open a checking account without linking it to my bank. Very interestingly, this debit card opened around the same time I was told I need to check if I was part of the data breach victims in XXXX. After confirming that I was I immediately reported this fraudulent collection for the sake of correcting my credit score from XXXX 's dispute center. Almost 9 months have passed, I still see no investigation progress from XXXX  or XXXX  and this collection record is affecting my ability to apply for a car loan that I need for day to day commute. I need to correct this collection record from a real identity theft incident that happened almost 2 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-03 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: SCA Collections, Inc.
State: CA

Complaint narrative:
1 ) " XXXX XXXX '', ( Transferred to ) >>> '' SCA COLLECTIONS INC. '', XXXX XXXX XXXX XXXX XXXX, XXXX, NC.XXXX. 
XXXX XXXX XXXX XXXX. 
THEIR CLAIM OF {$340.00} IS FRAUDULENT. THE REAL AMOUNT WAS MUCH LOWER WHICH REFLECTS BLOOD TEST AT " XXXX XXXX '' AND WAS PAID BY MY INSURANCE " XXXX ''. DOCTORS AND LABS OBTAIN AN INSURANCE APPROVAL BEFORE DOCTOR 'S VISIT AND LAB 'S TEST. 2 ) " XXXX XXXX XXXX '', ( Transferred to ) >>> " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '', XXXX XXXX, XXXX, SC.XXXX, ( XXXX ) XXXX. THEIR CLAIM OF {$870.00} IS FRAUDULENT. THE LINE OF CREDIT OF THE VISA THAT WAS ISSUED BY " XXXX XXXX XXXX '' WAS {$450.00} AND I NEVER USED THE WHOLE AMOUNT. I DECIDED TO TO PAY THE BALANCE {$220.00} AND CLOSE THE ACCOUNT ON XX/XX/2017, BECAUSE " XXXX XXXX XXXX '' STARTED TO INCREASE THE INTEREST RATE TO 30 %, EVEN THOUGH UNTIL XXXX I DID ALL PAYMENTS ON TIME. I FILED MULTIPLE REQUESTS FOR INVESTIGATION WITH XXXX, XXXX, XXXX. ONLY XXXX HAS REMOVED BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT. PLEASE USE YOUR INFLUENCE AND YOUR INVESTIGATION OBJECTIVELY SO THAT XXXX   AND XXXX REMOVE BOTH FRAUDULENT ITEMS FROM MY CREDIT REPORT, IF YOUR DEPARTMENT IS REALLY ABOUT CONSUMER PROTECTION AND NOT CORPORATE PROTECTION AND SUPPORT ( XXXX XXXX STYLE ).

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