vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank notified me around XX/XX/2020 that they were closing my account and that I would receive the funds that were left in my account within 30-60 days. It is no over 90 days and I donlt have my funds -- approx {$6000.00}. I called them over 10 days and they tell me the same thing the person working on the account has not finished yet. They offer to send an email to him, but nothing is ever done. I ask to speak to a supervisor and they will not let me speak to a supervisor and usually hang up. I went to the bank itself and they say there is nothing they can do. I just want my money back that I received from my payroll.

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 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE LAST MONTH AND I STILL HAVEN'T HEARD ANYTHING FROM THE CREDIT BUREAUS

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 2021-01-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I FILED A DISPUTE LAST MONTH AND I STILL HAVEN'T HEARD ANYTHING FROM THE CREDIT BUREAUS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I contacted XXXX XXXX XXXX  about my Speedy Cash account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted XXXX to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX  and called and i keep getting call the collections, call XXXX. I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
I made two payments by mistake via phone and online service for this specific provider. In effort to fix this issue I asked for a payment {$2000.00} made in error to be refunded. The payment was refunded for {$2000.00} via ACH on XX/XX/2020. My bank statement shows the correct payment made on {$1900.00} was payed and posted on XX/XX/2020. A notice was sent to me stating that I am missing two payments on XX/XX/2020. I called the shellpoint mortgage servicing to speak about this problem. They told me a check for {$1900.00} was issued and sent to me by XXXX XXXX. I never requested both payments to be refunded. Only one. And I never opened this mail either or cashed the check. She helped me by refunding the fee charged for this month and was very helpful in the matter. I have had many issues with this company and their process. They seem to have a problem with communicating and following up on matters. I want someone to be held accountable for these type of errors because its very upsetting and scary to get notices like this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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 contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On, XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On, XXXX XXXX XXXX add a hard inquiry on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2021-01-08 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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
There account reporting from Macys its already paid. This negative report affecting my credit score.

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 2021-01-08 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: NY

Complaint narrative:
I have home mortgage with XXXX XXXX loan number # xxxx currently in Covid 19 forbearance under CARE Acts. Though I have been granted forbearance till XXXX of 2021 and next payment is due on XXXX XXXX.yet again XXXX  reported to experience credit agency that I mortgage balance is high now .My bank altered me that XXXX  XXXX home loan have report this matter to credit agency on XX/XX/2021. I tried to talk to them XXXX  XXXX, has no answer for it, they said they didn't do it mean while credit agency said they only report when lender initiated a report. I am not sure if they can report this sort of information which will negativity impact credit history of many homeowners like me. I highly urge our government, please save us from this sort of unethical behavior of bank and putting homeowners like us in difficult situation. Millions of people are losing jobs, tanent are not paying rent, municipality is not giving us the break with taxes and on top of, this sort of negative reporting is no mean to be good for hard working homeowners. Thank and I look forward hear from the agency soon.

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 2021-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I have a XXXX XXXX account that due to a financial hardship went to charge off, I contacted XXXX to find a solution. They offered me a settlement to pay a reduce amount of money and just close the account, the settlement was for {$310.00} when the balance was {$770.00}, now I had no money, but I informed XXXX XXXX I would call in a couple days to pay it, they told me the offer was good for the rest of the month. 

A couple weeks later, I called again to pay the settlement, I was informed the account was sold to a debt buyer Portfolio Recovery Associates. I contacted this company multiple times until they were able to access to the account, when finally, they were able to access to my account they said the XXXX XXXX offer had expired and they can not honor. They said they purchased the debt so now they can ask for a different amount. I asked the dollar amount account was sold for, but they refused to answer that question. 

This is an unfair practice from XXXX XXXX and Portfolio Recovery, unfair because XXXX XXXX  sold the account before the settlement offer expires and unfair from Portfolio to do not honor the offer and do not release the sale dollar amount. I completely understand that Portfolio Recovery is in the business of collection unpaid accounts, but they would do a lot of profit on my account even if they honor the XXXX XXXX settlement and if they think I am wrong they can proof it showing the dollar amount of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: CO

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please remove account as soon as you can.

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 2021-01-08 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: CO

Complaint narrative:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible. 
Please remove account as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson  is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report. 

Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed for this card because of the promotional period for two years, interest free. I understood from the terms that after 24 months if balance is not paid then I would be charged interest. My understanding was, I would be charged interest on what was still owed NOT on back interest that accumulated for the entire 24 months. 

From the beginning of the account, I would pay automatically from my bank the repeated monthly amount. On XXXX, XXXX, my payment was due and it was too late to pay thru bill pay. So I called in to make the payment, the balance due did not sound correct. I waited on XX/XX/XXXX to speak to a live person. Spoke to XXXX, who advised that I was charged {$930.00} of back interest, promotion expired back in XXXX, monthly payment increased so the usual amount that I was paying did not satisfy the payments for XXXX/XXXX/XX/XX/XXXX Therefore, I was charged late fees as well for these months. Thru all of this, I received no statements from Synchrony Bank. Rep confirmed that the statements were returned. With all of this, I received NO communications from Synchrony Bank. They confirmed my correct address. So it is suspicious why if statements were sent why I did not receive them. Rep initially advised nothing she can do and advised that I needed to make a payment of {$170.00} that day in order to bring my account current. An amount that as was more than 3 times my usual monthly payment amount. After advising her that I could not pay that, she finally got approval to waive late fees/some interest charges. Advised that my next payment would be due XX/XX/XXXX. She advised that she was going to report the issue so my account can be further reviewed in regards to the charged accumulated interest and I should hear from the company within a month. Magically, I did receive my first statement for the month of XXXX. 
As of today, XX/XX/XXXX, I have not heard nor received any communication from the bank in regards to my disputes, I called in to find out what was going on. After waiting on the phone for 20 minutes, 1st rep, I spoke to XXXX, advised she saw no notes to that regard. She transferred me to an account manager, who also advised that he saw no notes to that regard. I asked for the recording of the conversation, he said nothing. He then placed me on hold to further review, he advised that there is nothing he can do. He spoke to the highest authority. I requested to speak to that highest authority. I was then transferred to another Account Manager by the name of XXXX who advised that there is nothing that can be done.

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 2021-01-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MA

Complaint narrative:
Carrington Mortgage Services , LLC ( credtor 's fed id # XXXX ) XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX, CA XXXX XXXX Creditor cancelled debt in XXXX. Issued a XXXX to debtor, notified Mass Dept of Revenue and IRS. Agencies issued an assessment for taxes due. 
Debitor paid both agencies ( {$15000.00} +/- ). Creditor failed to issue Loan cancellation documentation to debtor. 

Now debtor attempts to refinance loan in XXXX. Carrington denies owning any paperwork stating loan is closed. My attorney for refinancing my home loan has been ignored by CMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08 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: GA

Complaint narrative:
I noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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