vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SLM CORPORATION
State: CA

Complaint narrative:
Sallie Mae misrepresented themselves in a letter dated XX/XX/2021, stating loan payments were late and it would be reported XX/XX/2021. All past due amounts were paid on XX/XX/2021 BEFORE the due date. Credit bureaus were contacted for delinquency on XX/XX/XXXX and my credit score plummeted 70 points! There was no phone call or email prior to notification of credit bureaus being contacted. I am a co-signer for my emergency nurse daughter. Her payroll was effected by Covid-19 illnesses and she was not paid on time. Automated payments were late, while she is frontline keeping people alive. I contracted Covid-19, am XXXX, and many of my clients are 6 months late. We struggled to get them the late payments before XX/XX/2021 and were surprised to find out they had reported a month earlier. Sallie Mae was always late in posting payments, if at all, but have no problem robocalling everyday from XXXX to XXXX every hour, even when the account was up to date. My daughter had to call them several different times to ask them to stop harassing me with phone calls when there was no delinquency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CA

Complaint narrative:
I have been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.

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 2021-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
Capital one has a quick silver credit card promotion-offer for all whom qualify for the card and spend {$500.00} in the first three months. 

The only terms are, get approved for the card and spend {$500.00} in the first 3 months and recieve a {$200.00} rewards credit. 

I spent over {$500.00} within the firdt 3 months and capital One only gave me {$150.00}. 

I called and filed a complaint # XXXX And it was reviewed on XX/XX/2021. 

I called to follow up on XX/XX/2021 at XXXX XXXX To the super isor of customer care XXXX ID XXXX women named XXXX XXXX told me I recieved {$150.00} credit instead of the advertised {$200.00} because " you did. Ot meet the criteria for the {$200.00} dollars. '' I asked her what criteria she was refering to and she responded by saying " our criteria is internal and we do not give that information to our customers '' She also refused to give me and documentation of my report and why I was denied the advertised promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26 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: CITIBANK, N.A.
State: WI

Complaint narrative:
There are several accounts that were opened in my name while i was incarcerated and when released i went to a lawyer who advised me to file bankruptcy and that would fix the problem which it only made things worse on trying to move on with a good and normal life Ive contacted the consumers several times explaining that these account were opened with addresses that I never lived at and that is the case of identity theft at the time I was released I put a fraud alert on my file and that seemed to help and once that was removed and a few years later I have another case of identity theft coming from applying for a loan on line and that caused my bank accounts to be breached and it put my account at a - XXXX dollars so Im hoping with this report this can clean the problems of fraud done under my name with several accounts closed on my reports and all the inquiries done without my consent. Accounts as Best Buy and inquiries, XXXX XXXX  cards, Macy 's, XXXX, XXXX XXXX with account and several inquiries. XXXX, XXXX XXXX, with inquiries, XXXX  XXXX, XXXX , XXXX , XXXX Auto that was paid off in full by my insurance, And 17 inquiries done under 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 2021-05-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$1500.00} Balance updated XXXX XXXX, 2021 This debt does not belong to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NC

Complaint narrative:
XXXX  Tenant  Screeners XX/XX/2019 Experian XXXX XXXX XXXX Tenant  Screeners  XX/XX/2019 Experian XXXX XXXX XXXX XXXX XX/XX/2019 Experian XXXX Credit Card - Finance Company XX/XX/2019 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2019 Experian XXXX XXXX XXXX XXXX - Mortgage Loans XX/XX/2019 Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase 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 non-monetary relief
Consumer complaint received 2021-05-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax is reporting a dismissed bk that I have already sent an FTC report previously and said it had been verified I contact the bankruptcy court they said they dont report to credit bureaus which I attached a letter so I dont know where Equifax got this information from. They are in violation of placing inaccuracies on my consumer report and have cause a lot of damage and distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NC

Complaint narrative:
XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX Miscellaneous XX/XX/2019 TransUnion XXXX XXXX XXXX XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase 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 2021-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Was overcharged by XXXX in XXXX of 2019, using my Citibank debit card for payment. Citbank agreed to refund the amount in question but never did so.

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 2021-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: MI

Complaint narrative:
United Wholesale Mortgage agreed to a mortgage with me. I put 15 % down. this will incur PMI. the property I am purchasing is a 2-unit house, I will be residing in one of the units. per XXXX XXXX, PMI for a 2-unit can be requested to be terminated when the loan is at 70 % of value of the property. AND no matter what the PMI should be terminated at the mid-point of the loan. 

United Wholesale mortgage is claiming that PMI is to stay on for the life of the loan. 

during closing NO disclosure for PMI was included ( which is against the law ) and now UMW is refusing to write a PMI disclosure form demonstrating that PMI will be terminated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: NC

Complaint narrative:
XXXX  - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax XXXX - XX/XX/2019 Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BAM Management US Holdings Inc.
State: IN

Complaint narrative:
I have been depositing and trading crypto at XXXX and several months now, Today I find I can not trade nor can I withdraw any of my money from them, not sure what can be done? their customer service is a joke and all they do is repeat canned info back at you instead of really giving you answers to your problems

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stevens Business Service, Inc.
State: MA

Complaint narrative:
HI ( STEVENS BUSINESS SERVICE /XXXX XXXX XXXX  ) Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists ... ..Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
I have found three accounts on my credit report that do not belong to me I have not applied signed or used these accounts I need these off my credit since they do not belong to me. This is identity theft and I will not be responsible for someone elses spending. 

XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6200.00} XXXX XXXX XXXX  XXXX XXXX - Account number XXXX Amt {$6700.00} XXXX XXXX XXXX - Acct Number XXXX Amt {$8500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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:
I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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 2021-05-27 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:
I have 6 accounts showing on my credit report that do not belong to me in any way shape or form I need these accounts off my credit since I have not approved, opened or used these accounts!!!! 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: MD

Complaint narrative:
In XXXX I got help with my credit report. Some disputes with made on my XXXX student loan accounts. I called all the credit reporting agencies in XX/XX/XXXX to have the remarks removed from those accounts because I was not disputing them. All of them with the exception of Equifax removed them. I am purchasing a home and my closing date is this coming Friday XX/XX/XXXX. However, I received notification that my credit report had some false information on it and I needed to have it resolved before we go to closing. So on XX/XX/XXXX I called Equifax to once again have the dispute remarks removed from my account and they gave me the hardest time. I was told that they removed them and that it would take a couple of days to reflect on my report. I waited a few more days and my agent did a soft pull and the remarks were still on my report. I called Equifax again on Friday XXXX XXXX 4-6 times and I spoke to several people from XXXX until XXXXXXXX XXXX I was able to speak with a supervisor named XXXX from their Office of Consumer Affairs department. His employee ID is XXXX and the reference number is XXXX. Upon speaking with him he assured me that the problem and been rectified and that it would reflect immediately on my credit report. I then purchased the myequifax product to be able to obtain my report. Come to find out the installment accounts were not listed at So I called Equifax again on XX/XX/XXXX at XXXXXXXX XXXX to find out that my student loans accounts were being reported as closed and the comments states that my student loans are being paid through a financial counseling plan. That information is completely false I have never used a agency to to pay off any debt at all. After an exhausting two more days of speaking to several representatives and no one was able to fix this problem. They are blaming XXXX for reporting this information so I called XXXX and they state that they have not reported any of the information that is on my Equifax report that the info is false and incorrect. XXXX sent me several letters stating that my account is in good standing and my next scheduled payment date. They have also submitted two letters to Equifax asking them to remove the info that they are reporting as it is false. This Tuesday XX/XX/XXXX and Wednesday XX/XX/XXXX I had the worst ever experience with Equifax 's manager XXXX who would not supply me with his employee Id number or a supervisors name. At this point I am going to be homeless because I will not be able to close on my house this Friday due to the false and misleading information reported on my Equifax report the other two agencies have supplied the correct information. This is very upsetting and I hope that someone will address this as expeditiously as possible. My family and I are about to be homeless because of bad reporting and mistakes from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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 been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been asking for the contracts between me and the companies and Credit agencies proven that this debt is mine and that I gave the credit agencies permission to report this information. They just say verified and send a statement at this point I don't think that they are even reading what I been asking for and its now been several months and they still haven't displayed the documents. I even sent letters to the companies that alleged this debt and they have not responded with any information with some saying they don't even have this account. They are ruining my rep and are violating my rights. I have been turnt away from severl loans because of them which damaged my business and is putting a major strain with my lady and I. I filed id theft with the FTC and I will put it in document file also.

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 2021-05-27 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX I called Chrysler Capital after receiving a bill in the amount of {$620.00}. This was due after my car was totaled. I did have Gap insurance but apparently it did not pay off my car. After a few months they charged off this bill and reported it to the credit bureaus. It has been a few years since the car was totaled. I just received another bill. 
When I called I made a settlement with the woman I spoke to for {$300.00}. She gave me a number to call to make the payment and told me that when I do this it will say the whole amount but will only charge my card {$300.00} per settlement. It charged me {$750.00}. I called back right away and was told the payment was cancelled. A few days later after checking my bank account it was not cancelled. I called back and was told they couldnt cancel the payment. They wanted me to send them my bank statement to prove that it cleared the bank. I told them I was not comfortable sending them my bank statement. I went to the bank and got a letter from them stating that the payment had posted and cleared my account. When I called back to see if they got the fax they said I sent it to the wrong number and gave me a different number. I asked to speak to a supervisor and was put on hold for a long time. I have the settlement and the letter from the bank saying what was posted. I am getting the run around every time I speak to someone there.

Company response to consumer: Closed with explanation