vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I recently filed a fraud dispute with tjx reward card in XX/XX/XXXX. I was a new member and someone got a hold of my credit card and basically maxed it out. My limit at the time was XXXX, I had never used the card ever my credit was negatively affected by a closed account and high utilization and that was the only negative thing on my credit report. Today tjx finally  resolved the dispute reversed all the fraudulent charges but unfairly decreased my limit from XXXX to XXXX as punishment for something I didnt do and now this will affect my ortherwise perfect credit. To add injury to insult the dispute wasnt even properly resolved, some charges were not reversed and I now have a late payment from during the period the dispute was going on which will also affect my credit and I never even used the card one 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 non-monetary relief
Consumer complaint received 2019-02-04 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: NC

Complaint narrative:
I am a victim of identity fraud and someone stole my identity and tried to open accounts using my name resulting in multiple inquire on my credit report I want them removed. 







XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Automotive XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX  XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Banks and S & Ls XXXX XXXX XXXX XXXX   XXXX, IL 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 2019-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I took out a HELOC in XX/XX/XXXX against my principal property. I paid that loan off on XX/XX/XXXX but somehow I ended up having a {$0.00} ( XXXX cent  balance ). Because of the outstanding interest rate on the HELOC ( 2.99 % ), I was advised to keep the loan open instead of closing it at that time, incuffing an annual fee of {$25.00} to keep the line open. I have paid each year in XX/XX/XXXX via a direct payment from my checking account at another bank. At the end of last year, I was notified that the HELOC was coming to the end of the draw period. I called to close the account and was told that they could not take a {$0.00} cent payment via transfer. On XX/XX/XXXX, I received a bill from the bank stating that I owed {$37.00} including a {$37.00} late fee. I called CS and requested that the fee be waived, which I was told would take 3-5 business days for a response. I was also told I would need to pay a {$74.00} fee to have the Lien Released on my property. I was able to may a  payment from my other back checking account of {$1.00} to make sure I have no more balance on the Line of Credit. I called XXXX County Controller 's office and was told that the fee for the bank to release the Lien is {$54.00}. I reviewed my HELOC contract which states I may only be  charged a release fee equal to the amount of the 3rd party fee ( which in this case would be the Controller 's office ). 
Today, I called the bank back to see the outcome of my request to have the fee waived. The bank did waive the fee, but I only found this out by talking to a supervisor, because the initial CS agent told me it was denied. I also explained to the supervisor that XXXX County Controller 's office stated the fee is {$54.00}, not {$74.00}. She said that XXXX County " has not notified the bank of any fee changes ''. After paying the the {$73.00} balance, I asked how I would receive my refund for the extra {$20.00} payment to the Controller 's office, and she stated that if the bank received a refund from the controller 's office that it would be forwarded to me. ( I have a very hard time believing that this will take place. ) Cudo 's to the Lender for waiving the crazy {$37.00} fee. 
They could have done a much better job explaining the Fee to " Close the account '', and there is the issue of the discrepency between what the Controller 's office told me and what the back is charging.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
As I already reported via telephone, I am a Victim of identity theft. I have recently learned that my personal information was used to open an account at XXXX. I did not open this account, and I am requesting that the account be closed and that it be absolved of all charges on the account. This account was bought by this XXXX XXXX XXXX a third party, which acquired a debt that was not authorized and is not lawful to pursue action on something that has not been validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management Services, LLC illegally charged an insurance coverage in my property taking more than {$1600.00} premium from my escrow account. There have been insurance coverages in XXXX and XXXX. The alleged to want HO6 coverage, which is basically content coverage that is no more than {$7000.00}. Rushmore certificate received a week ago states coverages for {$170000.00} insurable values. This amount is the loan amount. Insurance for replacement costs existed and exists in the property. HO6 only covers kitchen cabinetry and bedroom that in an 800 sqf condo is no more than {$7000.00}. Even charging for insurance more than replacement costs is illegal. Rushmore needs to refund the {$1600.00} premium illegally charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. CAPITAL ONE BANK USA, XXXX XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have corresponded with EQUIFAX in reference to accounts that are reporting on my report inaccurately and are not to my knowledge. EQUIFAX has responded stating the information has bee verified and accurate from the companies I listed. I asked for any copy of documents showing that I had contracted with either of these alleged companies, with my signature on it in WET ink and they did not provide. I am formally complaining that they have not sent me the information requested in order to verify these are my accounts. Attached is my second letter to them requesting again either copy of documents or delete immediately from my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
A XXXX XXXX credit card thats been on my report since XX/XX/2010 state limitation it should have came off I dispute it and they updated on a closed account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my personal and business credit cards that I had for a long time. They just gave me general explation that the number of business accounts were too high. I did not have many business accounts and I had very good payment history and relationships with the Bank of America. I need your help to address this issue.

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 2019-02-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, I submitted a signed letter verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section 611 to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Equifax and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Equifax an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MI

Complaint narrative:
We filed complaint with the cfpb # XXXX with no resolution. Then we sent them a check from our insurance company for XXXX dollars. We signed and put on check for deposit only, with our account number and a deposit slip and a self addressed envelope for our XXXX account. They cashed it and only sent us XXXX. They had no right to cash that check or hold any of that money.

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 2019-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
in XX/XX/2018 I was contacted several times by Nelnet, regarding my student loan. after speaking with them they offered me a forbearance for another 6 months to a year, had me fill out paperwork, I did, faxed back, and in 2 weeks received more phone calls from them asking why I haven't made a payment. I explained that I sent paperwork in for the forbearance, and they said that they never received it, so they had me do it again. 2 weeks later I started receiving phone calls from other companies about my student loan that I don't recall giving my information to, then 4 days later I received my credit report that had indicated that I was late on my payments by up to 120 days or more, thus lowering my credit score up to 120 points. I attempted to call in and resolve the matter but was met with arguments. 
I also noticed that the total amount is always going up even after I had made payments that were more than the minimum payments to cover interest, as always I keep trying to call and get things corrected but I get no help, my credit report is everything and these people have tarnished it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: NY

Complaint narrative:
I have not knowledge of this debt, please provide me with the original instrument of debt with my signature on it to verified that this account is mine and if you are not the original creditor please provide me with the contract agreement that you have the right to collect this debt as require by FDCPA or remove this item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: IN

Complaint narrative:
XXXX XXXX reporting things about my credit that is inaccurate and things they should not be reporting! 

why/how are they in 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 explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
The monthly retail installment payment was made on XX/XX/2019 via Bank E-check as has been done since loan origination date. Payment not credited by TFS and TFS failed to locate any reference to the payment when called. Instead I was told 2 payments made 18 months ago were less than the amount due although no notification was ever sent to me. Due to antiquated Toyota policies, I was treated like a deadbeat customer and had to take off from work, go to the bank to secure a Merchant Transaction report, go to XXXX and fax the documents to TFS @ XXXX to prove payment was made.

It is the negligence and rudeness from TFS that caused me decide to not buy a Toyota again and will dump the XXXX XXXX XXXX XXXX  ASAP. There are lots of brands that don't screw up the accounting or then force the consumer to jump through hoops to prove payment has been made..

Where did my payment go?

Why was the payment not in the system?

Is this a SOX violation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day. 

On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account. 

I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own. 

This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.

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 2019-02-04 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
As of XX/XX/XXXX an account by the name of Cach LLC in the amount of {$9100.00} has been affecting my credit report. I didnt realize until I check my credit report in XX/XX/XXXX that I had this error ... So I instantly filed a dispute letter to all three credit bureaus ( XXXX, XXXX, and XXXX ) 30 days later I receive letters from XXXX and XXXX   stating the deletion of this account. Greatly pleased with the results of how fast they fixed the Incorrect error. However I dont think XXXX is taking this matter serious ... .I have called them and disputed this account as fraudulent And not belonging to me but still it remains with no validation. At this point I dont feel XXXX  is following the guidelines of the FCRA and removing this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, I submitted a signed letter to Trans Union verifying that this account information does not belong to me on XX/XX/XXXX. I sent the letter, affidavit and the fair credit reporting act section XXXX to the credit bureau in this complaint. I paid {$6.00} for a first class certified letter to be sent to Trans Union and received confirmation that the credit bureau received the letter on XX/XX/XXXX. 
On XX/XX/XXXX I paid my credit monitoring account {$24.00} to refresh this bureau and I noticed that the account in question was still on my credit report. I gave Trans Union an additional 30 days to process this request and it is now XX/XX/XXXX and the disputed account is still on my credit report. 

I am submitting a formal complaint to this website to get the assistance I need in this request.

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 2019-02-04 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: ERC
State: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND XXXX  XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX  XXXX, XXXX  XXXX XXXX, XXXX AND XXXX  continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: IL

Complaint narrative:
I am a victim of Identity theft/fraud. 
I have notified this collection company/original creditor several times that the account does not belong to me, I have not in any way received goods or services from this company and I have provided my police reports, my FTC id theft AFFIDAVIT signed and notarized along with my sworn statement regarding the fraudulent account. 
documents submitted to XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX, XXXX  AND EXPERIAN XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt XX/XX/2018, includes affidavit, police report, sworn statement w/ signed signature receipt This company is in violation of the FCRA. XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX  AND EXPERIAN continue to report this fraudulent account on my credit report although I have provided these documents with no response from the company or any representatives. 

This account must be removed immediately, as it is in clear violation of the FCRA.

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