vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXX {$9300.00} DEPTEDXXXX  XXXX {$3600.00} XXXX XXXX  XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Keith D. Weiner & Associates Co., L.P.A.
State: OH

Complaint narrative:
XXXX XXXX XXXX of Keith D. Weiner & Assoc. CO.,  L.P.A. was collecting a debt for XXXX XXXX XXXX. We had a settlement hearing where I was supposed to pay 50 % of the debt, but the above party backed out of the agreement. The court ruled in there favor in the amount of {$4100.00}, and that was paid according to XXXX XXXX XXXX   XXXX XXXX on XX/XX/2020. The above party added another {$1700.00} to the already paid debt, stating to XXXX that this was interest, which is impossible. A hearing was held and I found out the the court holds the payment before sending it to the party above, and the crazy part about it, they still are adding on interest, weekly, biweekly, etc. But they know the court holds the money, so that is where the payments were held for at least about 4 to 5 months. Another hearing was held for me to dispute the {$1700.00}, and at this hearing it was found that only {$230.00} was owed from the illegally added on interest, which was paid on XX/XX/2020, but the court Sustained the Garnishment out of spite because I challenged them, and said they were running a scam. I work for the XXXX XXXX, I am a Veteran and a former XXXX XXXX  XXXX, and I know for a fact what the party is doing and what the court is allowing is fraud. I am sure this has been going on for years and no one has called them on it until now, and I am being punished for speaking out against the XXXX Court of Common Pleas in  XXXX Ohio. I need assistance regarding this matter as soon as possible, Case No : XXXX, thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AES/PHEAA
State: CA

Complaint narrative:
Hello and thank you. 
I made extra payments on my student loans for 2019. I called numerous times to have the excess payments applied to principle. I received my annual 1098-E to submit with my taxes and was told I paid {$12000.00} in interest last year. I emailed them more than once to correct the errors. I've called almost daily during my lunch breaks and have held for over 45 minutes without anybody ever picking up. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: NC

Complaint narrative:
i closed a v a loan on the XX/XX/XXXX ... per my c d it was suppose to fund on the XX/XX/XXXX ... as of XXXX est on XX/XX/XXXX it has not ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because Equifax has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: NY

Complaint narrative:
Due to the current COVID-19 situation, I am unemployed as of XX/XX/20. I contacted Rocket Mortgage/Quicken Loans who I have my mortgage loan with to ask what assistance they will be providing to their customers. They are offering nothing that will help someone like me get thru this difficult time. A one income household and loss of job due to coronavirus. Forbearance : They will defer your payment 3 months but at the end of the 3 months ( i.e. XX/XX/2020 ) you  would have to pay all 3 months in one lump sum. Not realistic and not helpful. Or, you can wait until that 3 months come and do a loan modification which will cost the customer money/ how much they can't say. So, there is no emergency assistance here. Someone please help!!! This is a national disaster and this company should be held accountable to assist it's customers without burdening them more then they already are. Thank you for any help you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX XXXXXXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00} XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

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 2020-03-25 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: AR

Complaint narrative:
I found out my identity had been compromised because my wallet was stolen from the movie theater. I didn't take the proper measures afterward. I just got a duplicate driver 's license and a copy of my social security. Several years later I'm receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

DEPTEDXXXX  XXXX {$9300.00} DEPTEDXXXX XXXXXXXX {$3600.00} XXXX XXXX XXXX {$500.00XXXX XXXX   XXXX {$430.00} DEPTEDXXXX   XXXX {$9500.00} US DEPT ED XXXX {$6000.00} XXXX XXXX   XXXX {$450.00} XXXX XXXX XXXX {$10000.00}

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 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I '' ve had this problem for a long time. I need the accounts removed.

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 2020-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Hi there, On XX/XX/2020, I opened a personal checking and savings account with Chase Bank. The account opening process was successful until after two weeks when I received a mail from Chase Bank that they have taken a unilateral decision to close my account. This took me aback since there was no prior communication from the Bank to discuss any such issues with me. 
I reached out to the Bank and they confirmed their decision but can not provide any further information as to why that decision was taken. 
I went to the branch where i opened the account to ascertain the veracity of the issue and to speak to representative who helped open the account for me. The rep could not fathom why the account was closed. She then reached out to the fraud department and they confirmed the action by the bank and that they would not give me reason for their action and the action is irreversible. 
I am an XXXX XXXX  and an XXXX in the XXXX XXXX and I think this is very discriminatory to say the least because I have pulled my credit report from the three major credit bureaus and there was no derogatory or adverse findings on my report. 
I would therefore be grateful if Chase Bank can provide reasons why they closed my account without telling me the rationale behind their actions. 
I request more explanations for their actions so that if I were a victim of identity theft I can take necessary steps to secure myself and I also would appreciate it if they can restore my accounts. 
Thank you so much and I look forward to hearing from you soon. 
Please do not hesitate to reach out to me if you need further information or clarification. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC
State: CA

Complaint narrative:
I had a cell phone bill unpaid with XXXX that went to collections, XXXX XXXX XXXX and I agreed on repayment terms which I paid as agreed. Per the letter I received afterwards there would be no further collection attempts on the remaining unpaid balance and the item not reflected on my credit history. That did not happen XXXX sold the remainder balance to a new collection agency, source receivables, and they pressured me into paying the Remaining balance owed for the same previously settled account with XXXX remaining balance. I paid this in an attempt to prevent it from resurfacing on my credit. The collection account remains on my credit report ... XXXX is unable to tell me why it was sold again claiming a step was missed by XXXX and as a result the collections was sold again to source receivables. I have attached a letter from the original collection agency XXXX ... can you please affirm this letter and have source receivables remove the item from my credit history? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25 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: VA

Complaint narrative:
I have already settled the debt and the collection agency agreed to take it off my records, to which it was written in the letter stating that the debt has been settled. There is still a derogatory mark in my Transunion account. Transunion will not take it off from my account and this is affecting all areas of my life in negative ways, especially during these times with the outbreak where I need to loan some money to survive. Please help.

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 2020-03-25 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-03-25 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: AR

Complaint narrative:
I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.

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 2020-03-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

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 2020-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Account was closed without warning, all rewards were forfeited.

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 2020-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
With every monthly payment, I pay some extra payment and payment coupon clearly indicates the extra payment should be applied to extra principal. My contract allows me to pay off the loan without any penalty. As far as I can tell, NewRez is " unaplying '' any extra payment. In XX/XX/2020, I paid {$5000.00} toward my monthly payment of {$1300.00}. I had specified in the payment coupon that {$3600.00} to go toward extra principal, {$78.00} toward the escrow shortage NewRez collect. Instead of applying these payments, NewRez " partial payment unapplied '' all the amonths but {$78.00}. According to the XX/XX/2020 statement they reversed all the " unapplied payments '' and indicated I owe {$760.00} toward my XXXX payment. However, in XX/XX/2020, I sent NewRez {$2000.00}. They again " unapplied '' some portions of the payment and charged me {$54.00}. 
I seriously doubt the company is not practicing the proper financial standards and needs to be looked into.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
I saw this debt on my credit report and have no idea what it is from. I have not taken out a payday loan in 2019 as it is claiming. I have not even had a regular bank account to do so. I also have lived at the same address for 6 years and have never received a letter or any other contact from Midwest Recovery Systems, stating that I even had this debt to begin with. It states that the account status is open yet I was not given a chance to validate this debt and believe the information from it is both false and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I opened Citi Priority checking and savings account because of the Citi sign-on bonus promotion in XXXX. In XX/XX/XXXX I called Citi and they confirmed that I have met all the requirements for the bonus. 

Shortly after this call, the next time I checked my account online, my savings account no longer exists. Multiple calls ( about 15 of them ) led me to the fraud department with conflicting messages but ultimately told me that the account is blocked and that I can only " wit until the review is done '' for undetermined time. There is no supervisor or anyone with authority in any of the calls who can tell me the reason of the closure and a way to speed up the process because it is being processed by the " back office '' with no possible contact, even by the fraud department. During those calls, no one offered me to do any type of verification process which I believe is the only way to verify and unblock the account. 

At this point, not only I have lost access of my own money which I desperately need, I also have lost the opportunity to earn a higher interest on the money, not to mention the time I spent on the phone with Citi. In addition, because I am in need of the fund, the situation forced me to take a new loan which costs me interest/transaction fee. 

Other customers with similar complaints can be found here ( and also in XXXX  website ) : XXXX : XXXX? XXXX https : XXXX Update as of XX/XX/XXXX : I have made a complaint through XXXX  ( Complaint ID : XXXX ), and the responses from Citi have been very unprofessional and unsatisfactory : 1. The first response was to extend the response deadline for another 14 days.

2. The second response referred me to their original letter and instructions, which I clearly followed until I reached a dead end. This shows that they did not read the original complaint.

This seems like a fraud at two different levels : FALSE ADVERTISING and WRONGFUL ASSET FREEZING. Was the sign-on bonus jus
t a way for Citi to lure customers into putting money in their account, just to freeze it with no proper communication to the customers and with no proper process ( it has been 30+ days since the fund was blocked.

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 2020-03-25 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: CA

Complaint narrative:
I am filing this complaint because TransUnion has ignored my request, to provide me with the documents that their company has on file, that was used to verify the Late Payment I disputed. Being that they have gone past the 30 day mark and can not verify this Late Payment, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. " Please resolve this matter as soon as possible, Thank you.

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 2020-03-25 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: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Someone pretending to be me had funds in the amount of {$1500.00} transferred from a bank account at one bank ( XXXX XXXX XXXX  ) to pay a late payment at another ( Pentagon Federal Credit Union ) on  XX/XX/2020. I called both agencies and didn't get any resolution. The bank the funds were transferred to said somebody called saying they were me and to transfer the money from my account at the other bank. I, of course, didn't know anything about it until I checked my bank statement. I have been working with a debt consolidation company ( XXXX XXXX ) and the bank receiving the payment stated that's who had done it but, upon contacting them, they said they know nothing about it. In a three-way call, I was told by the receiving bank that they would look into it but they don't seem too interested in doing anything about it. What can I do to get this resolved?

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