vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with Citibank around 2 years ago, after confirming with multiple people at the company that the account will be converted solely to a XXXX card. I confirmed again in XX/XX/2020, being told yes that is the situation. Im deeply disturbed by the lack of integrity taken and my former complaint was closed out with no resolution or attempt to seek a resolution. Instead, Ive been bait and switched into a very poor quality credit card, when I would rather be back with my secured card working towards a 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 2021-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: PA

Complaint narrative:
Hello! 
On XX/XX/XXXX, I had a total of 18 transactions that were unauthorized taken from my Chime spending account. These transactions totaled {$1400.00}. I immediately contacted Chime and the vendor. I submitted to Chime a conversation that I had with a live rep at the vendor, XXXX XXXX XXXX, who confirmed my last transaction with them was XX/XX/XXXX. I submitted all the required documents to Chime. Chime denied my claim to them in a matter of three days. When I called to find out the exact reason, absolutely no one had a reason. The rep with Chime kept giving me the run around and couldnt even find a document on file that said why. I immediately reopened my claim. I also did more research and saw that the vendor posted on their website they were reportedly taking charges from XXXX of XXXX, the time frame of 1-15, that they said they never took from patrons. When I reopened my claim, I also sent to Chime proof that if the vendor was claiming this was the reason for the transactions being taken now, I sent over more proof of my bank statements from another card that they did take the charges from me already. This vendor had no reason to take this amount or anything from me. Chime reopened the claim .... and denied me again in less than a day! They sent me no documents, nothing. Absolutely unsettling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX XXXX accepted payment, in the amount less than owed, in exchange for not reporting negatively on my credit. They told me it could take up to 30 days, but possibly sooner. I asked could it be sooner and was told its possible call us back after it posts. 

Here we are a week after I paid, but I am getting new updates from XXXX that they did not remove the balance but I only updated it. Extending the time they can sue and or report negatively. 

When I called and asked about a department leader to speak to, I was put on hold at XXXX in an attempt to get me to hang up. 

After almost 20 minutes, I got a new operator. Who didnt seem to know what I was talking about at all. 

I only paid to get them to leave me alone. If they arent going to leave me alone. I dont pay a collector to collect. 

How can they take my money, update the money owed, but not remove the debt which l I only paid to remove it. 

Why would I pay to retriever further payment obligations on an expiring debt? 

Exactly. 

The contract was for removal by XX/XX/XXXX. An agent of the company told me that when accepting payment. Now, agents XXXX and XXXX, spoke to today, are stating the earlier they will even contact the credit bureau is XX/XX/XXXX. 

I paid to have it removed by XX/XX/XXXX. If portfolio cant do that, they need to give me my money back or I will just go to the bank, Monday morning, and cancel the payment and never pay them at all. 

Its yall choice. XX/XX/XXXX Im calling XXXX XXXX and never calling, answering, or attempting to pay again. Then, they hung up in my face, while I was writing this, on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. it has been over 60 days later I have not received a response yet. I feel Im being taken advantage of and being ignored of my disputes. Section 611 ( a ) says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days, so they should be deleted at once. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have go into the hands of the wrong person.

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 2021-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
On XXXX XXXX of this year I called National Credit Adjusters ( NCA ) because I received an eviction notice to vacate my rented home. The owner is destroying the dwelling and building a new subdivision. I went to purchase a home and found that NCA had reported that I owed XXXX , I called to dispute but they convinced me that the best way to have it removed was to pay it. I did, reference # XXXX, spoke to XXXX XXXX, and it would be removed. After writing them calling them, disputing to XXXX, sending XXXX proof by the coorospondence, calling XXXX the account still shows on my credit report. They finally reported it as paid last week but it is still on the report and is preventing me from a home loan with XXXX XXXX. They told me the VA would not approve the loan untill it is removed. I will soon be homeless because on XXXX XXXX I must go before a judge in XXXX XXXX County FL. to explain why I have not moved. NCA has stopped returning my calls and stated it will remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have been sending correspondence to each bureau since XX/XX/2020 trying to rectify this inaccurate and false reporting items. They finally respond with verified but provided no actual verification. I feel like I'm just another number instead of a customer or person. I am requesting they provide the correct documentation on when I was late with my payments. As mentioned in all my previous letters my information was compressed by the XXXX data breach and Im afraid more than ever my information has got into the wrong hands. It has been over 90 days and these inaccurate items are still showing. I've been doing research and per FDCPA it is illegal to report inaccurate 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 2021-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.

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 2021-03-04 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: UT

Complaint narrative:
The three major credit bureaus are reporting a bankruptcy past the credit reporting limit and it must be removed. I recently checked my credit report and noticed that a very old bankruptcy continues to report on my credit file. This was filed 9 years ago! That is insane to still be reporting on my credit file as the credit reporting limit is 7 years. This needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Shellpoint Mortgage Servicing Company handles my mortgage. My mortgage payment went up from {$260.00} to {$510.00} due to that. During that time my new taxes came up for the year. It was an increase of {$72.00} wihich comes to {$6.00} extra per month. Which should bring myu new payment to {$260.00} Shellpoint placed lender hazard insurance on my mortgage. Proof of my insurance was sent twice by my HOA on XXXX and XX/XX/XXXX to Shellpoint.. Finally on XX/XX/XXXX I spoke with an employee at the mortgage company and was told they have the proof of my insurance and the lender insurance was dropped. I got a credit of {$1000.00} on my account. I asked about when the corrected payment would go out. They said they have to order an escrow analysis. I called back on XX/XX/XXXX and spoke with another employee and was told again and escrow analysis needs to be done and it would take about 3 days and my new bill would go out. 
I called back on XXXX to follow up. I was told by XXXX XXXX, the supervisor that I still needed to pay the {$510.00} for XXXX and by XXXX I would get my new payment amount. I told her I had a credit on my account since XX/XX/XXXX and why should I pay an incorrect amount because they can not come up with an adjusted amount in a timely manner.. She said I just have to pay that amount or my credit will be affected. I should not have to pay that amount and try to get a refund later. I can figure the amount myself. My taxes increased by {$72.00} and divided by 12 is {$6.00} extra per month. I sent that amount of {$260.00} to Shellpoint for XX/XX/XXXX. I made quite a few attempts over the month of XXXX to get the correct amount to make XXXX payment. They would not give it to me. So I did the figures and sent in payment for XXXX. I did NOT skip any payments. Shellpoint has been very inept in dealing with my accounts. In the past they had applied my payment to a different account and another time lost the payment in the system. It took quite a long time to clear that up. I do not want to go through that again to try to get a refund. My credit should not be in jeopardy since I made multiple attempts to clear this up and I did not skip any payents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have three XXXX unsubsidized loans and one consolidation for loans taken out before 2010 for a XXXX  program, which I completed and have been paying back without a problem. I moved AND the pandemic hit at the same time, making my work unstable at best. I understand President Biden signed an executive order of forebearance on Federal student loans with XXXX interest, which applies to my XXXX loans. Somewhere along the way, apparently, my loans were sold (? ) to Navient, who says they do not need to comply with this order. 

I did not agree to have my loans administered by a non-federal group. And I will complain to the highest levels to make this right. I deserve to have my loans treated as any other Federal Student Loans. 

Frankly I also believe how interest is accrued is also VERY UNFAIR to the student.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
This misinformation started back on XX/XX/2020 with Equifax. XXXX XXXX reached out to Equifax and verified that a Chapter XXXX was unverified and should be removed from my credit file. This has gone on long enough, every time I contact them about this it starts this process from the beginning but with the same results of its being verified but XXXX  XXXX states thats its not with documents that was sent to all three bureaus and me .By Law this unverified information should have been removed last XXXX, Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
Speedy cash approve me for a loan of XXXX $ on XX/XX/2021. Received my money in my checking account I then received an email this morning XX/XX/2021 saying I was approved for XXXX. It had speedy cash logo they said they were approved by the XXXX, cfpd, and the Fdi. I decided to give speedy cash a call to see if this was legit they said this was 100 % fraud. They have a completely different number than that of speedy cash I have documented proof of all of this and I wouldnt want anyone to fall for this scam. I also sent all the proof to the real speedy cash company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with XXXX, EXPERIAN AND XXXX and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!

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 2021-03-04 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS NOT MY ACCOUNT. Both my wife XXXX XXXX and myself were victims of identity theft. I attempted to resolve this with Equifax, XXXX  AND XXXX  and and the Collection agency. The credit bureaus is still reporting this fraudulent account and I want it removed immediately. The collection agency is harassing my wife and I by calling and threatening to file charges. This is a Fraud account. Im retaining an attorney and suing the credit bureaus for reporting this fraudulent account. Please remove immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: OH

Complaint narrative:
Contacted USbank on XX/XX/XXXX at appx. XXXX was told to contact XXXX  at XXXX. After entering the requested information the automated service stated it was not the correct information. I did NOT request any type of credit card and I do not want another card and I want to know how or where they obtained my information.

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 2021-03-04 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: AK

Complaint narrative:
Once again, I submitted my complaint, and once again, sent a message saying they were " investigating '' and then sent an email saying it was " updated '', but did NOTHING! It is like NO ONE is actually LOOKING or READING any of the attachments, including the discharge from the BANKRUPTCY COURT showing ALL Student loans, including XXXX  were discharged. 

I am submitting FROM THE COURT, on page 19, where XXXX  was listed for {$33000.00}. I am also submitting the FINAL DISCHARGE showing the mailing XXXX where they were NOTIFIED that the debt was discharged, and a copy of the final discharge showing that ALL STUDENT LOANS WERE IN FACT DISCHARGED. 

XXXX  CAN NOT sell a debt to XXXX 3 years AFTER DISCHARGE to try and collect, and XXXX CAN NOT add additional fees. NEITHER OF THESE COMPANIES can report this as PAST DUE OR COLLECTION DEBT!!!!! SEE ALL THE ATTACHMENTS. 

HOW MUCH MORE DOCUMENTATION AND PROOF does anyone need to show that what is on my credit report is false and unacceptable?

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 2021-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing all three credit reporting agencies directly, without any third-party representation. My email address and telephone numbers are accurate in case any agency such as XXXX, Equifax and XXXX XXXX desire to document my credibility. Accordingly, I am writing to state that I have tried on at least two occasions over the past few months to obtain a copy of my credit report from each respective credit reporting agencies. Please comply with my wishes and mail to me my one free annual copy of each credit report. Thank you for your assistance in this matter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Borrower has made all timely payments required under its Note Agreement. Lender believes additional amounts are owed without any support. Have been unable to communicate directly with the Lender to cure this situation. Lender has reported delinquency on the credit report which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04 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: TN

Complaint narrative:
Initial letter sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 to dispute a reporting collection with XXXX XXXX ( account number XXXX ) via certified U.S. Mail. Results returned as " Updated. '' A letter requesting the Method of Verification of the debt was sent to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) on XX/XX/2020 advising under FCRA 611 ( a ) requesting the description of the procedure used by the corresponding agencies to provide all information to the creditor associated ( XXXX XXXX ) with the original dispute submitted on XX/XX/2020. The bureaus returned a copy of my credit report stating that the item was " Updated. '' A follow up letter requiring the Method of Verification was submitted to all 3 Credit Bureaus ( TransUnion, XXXX  and XXXX ) via certified U.S. Mail on XX/XX/2020 advising under FCRA 611 ( a ) ( 2 ) ( b ) to provide all relevant information requested under the original request. The same results were returned as " XXXX '' on the credit report, but no method of verification ( i.e. copy of a signed contract to validate the debt was provided to me ). On XX/XX/2020 an additional letter was submitted via certified U.S. Mail under FCRA Section 609 ( a ) ( 1 ) ( A ) to provide verifiable proof of the debt. If unable to provide verifiable proof, they are required under FCRA to remove the account. To date, no verifiable proof has been provided to me and the account continues to remain on my credit report.

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