vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am a widow that got diagnosed with XXXX XXXX XX/XX/XXXX. My prognosis was not good and I had no other recourse because of medical and financial reasons to let my California home, my primary residence, be sold at a non-judicial Trustee Sale for the first deed of trust XX/XX/XXXX. On that day, the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, for {$410000.00} which satisfied the {$380000.00} first deed of trust in full. XXXX was servicing the first deed of trust loan. I received a 1099A from XXXX to support the result of the XX/XX/XXXX Trustee Sale. The XX/XX/XXXX, 1099A was correct and I filed it with my XX/XX/XXXX taxes. To my alarm on XX/XX/XXXX, over a year later, I received a 1098 for XX/XX/XXXX, from a company I did not recognize, New Rez LLC dba Shellpoint, showing that I was still the mortgage holder and still responsible for the {$380000.00} loan and still the owner. The XX/XX/XXXX, 1098, showed that I paid into an escrow account in XX/XX/XXXX for {$2100.00} for property taxes. I never paid into an escrow account, and the {$380000.00} was satisfied in full. The 1098 showed NewRez acquired my loan XX/XX/XXXX. The 1098 was erroneous ; should not have had my name on it. I immediately contacted the company by certified mail and fax, providing legal documents and correspondence advising that I am not the owner effective XX/XX/XXXX. I followed up with a phone call to the company. I spoke with XXXX, a rep in customer service. She acknowledged that the company had received my legal docs and correspondence. I asked to speak with her supervisor. The supervisor, XXXX XXXX, refused to speak with me saying through XXXX, that NewRez would not take my name off of the loan and NewRez would not send me a corrected 1098. NewRez recognized me as the mortgage holder/owner. Ms. XXXX said I DO owe  the {$380000.00} mortgage though they have the legal docs proving otherwise. The stress of this situation is almost too much to bear. I have since discovered that NewRez purchased XXXX. I have also discovered the property has been sold twice since I owned it, once XX/XX/XXXX and again XX/XX/XXXX. I feel NewRez is knowingly trying to take advantage of me and intimidate. 

I have uploaded files to submit. The Trustee Sale document shows that the property reverted to the beneficiary, XXXX XXXX XXXX XXXX  XXXX, on the date of the Trustee Sale, XX/XX/XXXX which is the date my ownership ended. The other document is from XXXX County, the county where the property is located, shows the Trustee Sale was recorded XX/XX/XXXX. ( Personnel from XXXX County say the delay to record is normal. ) I have submitted the correct 1099A for XX/XX/XXXX from XXXX. I have submitted the incorrect 1098 for XX/XX/XXXX from NewRez. Thanks so much for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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:
Today I saw an account that is not mine. Its XXXX  XXXX. This account loan was not opened by me. This is identity theft. No one contacted me to open this loan. I have a fraud alert on my credit reports. With my contact information along with my phone number. There is also no inquiry from this company. Not sure how they got my information. This seems to be a scam. I never signed up or opened this. Please take off my credit reports. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Citi denied my claim for a dispute when my XXXX XXXX XXXX  when into bankruptcy. They sent a online message to ask for more information by a certain date when I provided more than enough information to process the claim. They did not contact me by phone or by mail. 

After citi denied the claim for not responding to an online message, Citi informed me to file a " Trip Cancellation & Interruption Protection '' since my flight was cancelled and would be covered under this benefit. They said they would mail me a form to fill out. 

about 2 weeks later the from arrived. I talked to another representative from citi who got an email sent to me that I could respond to and send the information in electronically. Why did the first representative misled me for 2 weeks? 

I provided all the necessary information. I got a response that it wasnt one of the 12 covered reasons so I would not get a refund, but this was clearly a " Trip Cancellation '' due to bankruptcy but i did not have " protection '' while Citi markets this as " Trip Cancellation & Interruption Protection '' Multiple times citi mislead me on what to dispute and claim. Citi " attempted '' to contact via secure message when it should have called or sent certified mail to ensure I was properly notified. Citi misrepresented its benefits by marketing a term called " Trip Cancellation & Interruption Protection '' but really only has 12 covered reasons.

Note this account is for a senior citizen over the age of XXXX. Citi bank took advantage of a senior citizen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Neighborhood Autos, LLC
State: LA

Complaint narrative:
Wise Credit , LLC intentionally and fraudulently reported 2 payments to XXXX  30 days late and caused my credit score to drop 48  points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX  of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was 15th  days late and they still reported the payment 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX intentionally and fraudulently reported 2 payments to Experian 30 days late and caused my credit score to drop 48 points. They reported my XX/XX/XXXX payment 30 days late and my XX/XX/XXXX payment 30 days late, neither payments were 30 days late. The XX/XX/XXXX payment was made 29 days late, the payment was made on XX/XX/XXXX. My payments are due on the XXXX of every month with the last day to pay before they shut off the car being the XXXX. The XX/XX/XXXX payment was made on the XXXX of XXXX which was XXXX days late and they still reported the payment 30 days late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX still reporting negative information on my credit report when I have been in an active Chapter XXXX bankruptcy since XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX someone used my credit card number to make 3 charges to XXXX In the amounts of {$1000.00}, XXXX, and XXXX. 
I have called both XXXX and Chase 27 times without any results. 
My bank is Chase and even though XXXX has confirmed that these charges are fraudulent my bank refuses to reverse the charges. 
XXXX says they have handled it but still the charges are on my account. 
Please help me get my hard earned money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following account was opened in my name, and without my permission or knowledge, XXXX XXXX XXXX   XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. When I reported this to the creditor, they claimed that the onus was on me to prove that this debt was not created by me. I informed them that this account is not mine, and it has done harm to my financial viability, and I stated that I would like them to remove this negative mark from my Experian credit file 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 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I found out about the TransUnion website by seeing from XXXX XXXX   that it gives free credit score report. On XX/XX/20, I made a new account on the website, where it asked me for my credit card information. It did not tell me any charges would incur, so I thought it was free. Then I found out that I was charged {$24.00}. I would like to have the subscription cancelled and get be refund. I have not called the company because I did research on this situation and a lot of people are saying they tried calling the company about the same problem and the company either did not respond or would not give you a refund.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-04 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: Maximum Title Loans, LLC
State: AZ

Complaint narrative:
I have a title loan with maximum title loan and I borrowed {$5000.00}. I have since made approx 2500 in payments and they have not deducted any of these from the balance. They also refuse to give me a break down of what Im paying, what the penalty fees are or a breakdown of my total amount owed. They wont provide me with any documentation from my loan and have never given me a copy of the signed contract. Theyve been charging me {$100.00} or more per day and I have no reason to believe I am in default or responsible for any late penalties at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The following account was created without my knowledge, and I have no contractual agreement with the creditor : XXXX XXXX XXXX XXXX XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX. I have spoken to XXXX XXXX XXXX XXXX, and explained to them that I discovered an erroneous account in my name on my credit report. They informed me that the onus was on me to prove that I did not create this debt myself. I am a XXXX individual, and I do not have the wherewithal to go head to head with a bank to prove my innocence. The fact is, that they can not produce a contract with my wet ink signature on it. They have done damage to my commercial person, preventing me from participating in commerce at the level and status to which I am entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Social Finance, Inc.
State: GA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Consumer complaint narrative I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT*** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and wellbeing by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT*** )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Participated in their {$700.00} bonus offer, and did not get it. Deposit {$50000.00} for 60 days, get {$700.00} bonus. Scam offer, closing my account immediately. 

Update : My friends referral {$100.00} bonus never materialized too. Straight out scam. 

Update2 : XX/XX/2020 Filed a complaint in person XX/XX/2020. No communication from Citibank, so I called in on XX/XX/2020 to file it at headquarters. Head Citibank Supervisor " XXXX '' said I will receive {$700.00} in XX/XX/2020. Date came and went, no money. 

Term is " within 90 days '', not " in 90 days ". So money is owed to me. 

Reporting it to the XXXX XXXX XXXX ( XXXX  ), and Customer Financail Protection Bureau ( CFPB ).!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Friday I asked the bank to transfer XXXX The bank XXXX ties to pull XXXX instead. 

XXXX bounced and then they stole the XXXX When I called last night they told me they sent it back just now to the external bank and I didnt tell them to. 

My bank has an employee who has been doing evil things with my account. 
They turned my debit card off while I was at the airport on purpose last week. And this week they sent my funds back after being caught stealing them and putting my account in the negative. When I called they claimed they just sent it back when I tried to renew my hotel stay. 

But if they sent it back my account should not be in the negative for what was sent back. 

They told me this on the phone as they tried to skate around getting caught stealing XXXX. By pulling XXXX then stealing XXXX by claiming XXXX returned when I never asked for XXXX to be transferred. 

They claimed they sent it back but my account was in the negative XXXX ( XXXX. ) available. 

They stole my money then transferred more than I asked. Then sent what I actually asked for back. And then left my bank erroneously in the negative as they them stole funds that they never received after making my account negative by mistake. 

They got caught stealing then tampering then stealing something they claim they sent back AFTER I called last night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
I paid XXXX $ for a digital good through paypal goods and service on XX/XX/XXXX XXXX XXXX PST. 

The seller agreed to provide me the goods and email account associated with the said item. I have this transaction on video of the seller. The seller agreed to the transaction and when I sent the payment, I was sent fake credentials. I have video of me paying the transaction and me receiving the said items that do not work or was not described as part of the deal. I have opened a dispute with paypal, but the seller is now providing fake created screenshots of messages through discord that I was not part of and we mainly dealt on facebook messenger. In the video, it shows me paying through the paypal email he wanted me to and I did. He did not provide me the item I was meant to be given. I am currently awaiting paypal on this dispute. The current dispute reference number is Case ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Booked trip to Hawaii in XX/XX/XXXX for XX/XX/XXXX trip. Cancelled trip XX/XX/XXXX, and requested {$270.00} refund from XXXX XXXX XXXX For two hour boat cruise. XXXX XXXX XXXX did not respond timely to my cancellation by email, so I contacted my Citi Visa Card, but XXXX XXXX XXXX declined my refund for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc
State: TX

Complaint narrative:
As shown in the attachment, I had two XXXX I was XXXX of way back in XXXX. I have waited 7 years for the grace period in Texas which blocks agencies from reporting any XXXX   more than 7 years old. I finally got a job I enjoy last year in XXXX and only because they were not able to see my XXXX, so I am not sure why Checkr went out of their way to report the records. I feel I am being treated unfairly and with great prejudice. Please reach out and try to have this corrected for me. Thank you.

Company response to consumer: Closed with explanation