vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The company has incorrectly reported late payments for months of XXXX, XXXX, XX/XX/2018 even though the payments were done on time. The company claims there was no payment in XX/XX/2018, and so the XXXX payment was credited to XXXX, XXXX payment to XXXX, XXXX payment to XXXX, and so on. I have shown my bank statement as proof of mortgage payment and cash transfer to XXXX XXXX, the mortgage transferee. The company has ignored this proof and claims XXXX has no record of the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: U.S. BANCORP
State: LA

Complaint narrative:
I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX  balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: NC

Complaint narrative:
I discovered unknown Collection account on my credit report from Portfolio Recovery I mailed letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports repeatedly and no change to credit reports. Portfolio Recovery did not notify credit reporting agencies I was questioning validity of debt I mailed another letter to Portfolio Recovery to validate debt XX/XX/2020 No response from Portfolio Recovery. 
Checked credit reports and no change. Did not notify credit reporting agencies I was challenging validity of debt. 

Also have strong reason to believe contacted a distant family member my phone that resides in a separate household that I have never resided in or cohabited with. 
Results wanted. 
1. Immediate validation of debt and notice to credit reporting agencies I am requesting validation 2. Fine Portfolio recovery for failing to respond to debt validation request ( s ) 3. Fine Portfolio recovery for failing to notify credit reporting agencies of my request for validation 4. Discovery of all Portfolio Recovery activity regarding my account including but not limited to : written letters, internal company email correspondence, received scans of my validation request letters, phone numbers called regarding the alleged debt, and all records regarding validity of debt. 
5. Investigation in to business practices of Portfolio recovery and notify US Attorney General you are investigating and notify all states Attorney General that you are investigating company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I sent the attached letter to my student loan company since they had not been sending me statements about my account. At the time I did not have an online account with them, they had purchase my student loan from the original creditor. In XX/XX/2020 a letter arrived at the residence of my parents that indicated my account was overdue. Nor that address nor my self at my current address received any other forms of notification before this collection letter. I immediately contacted Navient, signed up for an online account and brought the account current. Since Navient did not provide statements, nor are these statements available this violated Regulation Z requirement for periodic statements. This negatively affected my credit and I wrote to Navient in the first week of XXXX asking them to correct the credit report. I mailed the letter to the designated address on the back of the loan statement under the heading " Disputed Sums '' ( Navient, XXXX. XXXX XXXX, XXXX, PA XXXX ). It has been over 30 days and I have received no return correspondence from Navient about my dispute. This violates the Fair Credit Reporting Act as I disputed the inaccuracies of my credit report due to the absence of statements before the collection letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: NY

Complaint narrative:
I got approved for social security back in XX/XX/2020. I was residing in XXXX ny where my social security direct express card was being mailed to. I was told I had to move out before my card arrived. On XX/XX/XXXX my card was opened, activated using my social security number, and used without my knowledge. I recently found out where and when these transactions happened, and I haven't yet even seen the card .... I contacted direct express to file a dispute, a week later, they closed the investigation stating there was no unusual activity from my card. She received three payments. XXXX was {$46.00}, XXXX was {$800.00} and XXXX was {$780.00}, which altogether was {$1600.00} I have contacted the police, and since I have all the times, where these happened and when, the police are now waiting to catch her on camera and the report was sent over to the DA : s office, they are waiting to hear exactly what they can charge her with, and she's moments away from being arrested. Please, that. {$1600.00} is for me to live and It's already proven these transactions were not me. I'm asking for a real investigation into direct express so that I may receive a refund that I am entitled to. It wouldn't let me attach the documents that are needed here ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: MA

Complaint narrative:
I contacted XXXX XXXX with home point financial literally almost 3 months ago. He assured me and my wife that this would close back in XXXX. So we would miss the XXXX payment but as usual with this company and this particular loan officer that didnt happen - my wife paid XX/XX/XXXX the total amount and all we get for excuses is that its in underwriting. This was supposed to be simple Refi no doc etc. I closed faster buying this house the first time. If they dont close by mid month I have an attorney ready to contact them be we have recorded voice mails and recordings from XXXX XXXX saying we would close in XXXX and miss XXXX payment which we didnt and Im Not playing the games. Hes a liar like the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX, Credence Resource Manage showed up on my credit report. Once I looked at the company it showed a debt for XXXX XXXX that I had opened on XX/XX/2020. I have no knowledge of me opening any account especially if its cell phone or internet related since I already have those connected and I have never been late. On XX/XX/2020 I have disputed the false debt through the credit bureaus but it still shows on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Last year XX/XX/2019 open bank account other one open in my name that just opened need be close I need fix my credit sores on my name is an way you can help take off The charges that were made to my account but I never did them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2020-07-04 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: SC

Complaint narrative:
I requested for items to be investigated via mail and they have refused to perform the investigation. 
Please delete the items on the attached letter from 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
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
These past few months have been very difficult for everyone. Despite the fact that people are doing all they can to pay their monthly bills, credit card companies are taking advantage of the situation to add late fees where it should Be forbidden. 
I paid mine late, a few days late, but i paid! Therefore when i requested there should be helping people. When didnt want to remove my late fee even though I paid {$100.00} in interest! This is racket! 

Credit card companies should be barred from assessing late fees in these times!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I called Conns Appliances Inc collections department to pay the balance that was owed and clear the debt owed to the collector. After speaking with one of the representatives and getting a manager involved, they decided that I could settle for less than the full amount so that I could fulfill my debt obligations. I asked what would be the amount that they agreed to settle on and both the manager and representative stated the amount would be {$890.00}. I agreed to pay that amount and required written documentation that after the payment was made, they would report to all 3 credit bureaus that my account was paid in full and that it would be deleted from my credit reports as well. 

The manager assured me that as soon as my payment is processed that I would receive an email notification and a letter in the mail that my obligations has been fulfilled and a request for deletion has been sent to the credit bureaus. I asked for at least an email prior to my payment so that I could feel confident in them fulfilling their obligations on their end. The representative stated that the email and letter to be mailed would only generate after my payment was made. They assured that they would request for the credit bureaus to update to show paid in full/settled for less than the full balance and to be deleted also. I gave in to their pressure and words affirming what they would do and I made the payment. I have attached my receipt of payment for review of fulfilling my obligations. 

As of today, they did not follow up on their end of the deal. I have yet to receive an email or a letter in the mail regarding my payment and the fulfillment of my obligations with taking care of my debt. My credit report not only shows that I am in charge off status, but they turned around and reported 51 collection months XXXX. Before I made a payment, my credit report only showed XX/XX/XXXX in collections and my account showed closed due to collections. My XXXX XXXX has even dropped over 50 points because they went back and added moths of negative reports in collections XXXX and are currently still reporting that I am in collection status. How is this possible when I made my payment on XX/XX/XXXX? The account status shows a {$0.00} balance and closed, but they are still reporting negatively and have me in charge off status. 

I have tried to contact Conns Appliances Inc several times to have this updated, but everyone has been extremely rude and states that there is no account on file for them to update as everything has been closed out. I would like my account to be deleted and updated with all 3 credit bureaus as this has been a horrible experience trying to pay the debt that I owed and have my credit reports reflect properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX Citi bank charged me {$29.00} each for return check fees while their autopay system has issue. i had the autopay set up with citi bank and been autopay for past 12 months without any issues. CSR stated it is their IT issue and helped me to update the information on their end and advised if there are any fees will be refuend. i have contacted citi bank today XX/XX/2020. they have refused to refund the fees and asking me to proof it is banking errors which is totally non acceptable.

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 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RSI Enterprises, Inc.
State: NV

Complaint narrative:
RSI Enterprises - XXXX Account number : XXXX Collection opened - XX/XX/2018 Amount - {$370.00} This debt is not mine. Ive contacted this agency numerous times and provided them all my information but they still fail to remove this report from my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-07-04 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:
See attatched XX/XX/XXXX Equifax Letter Re : XXXX XXXX & XXXX States if I have more infomation. Equifax PLEASE RESPOND TO CFPB XXXX submitted XX/XX/XXXX. See numerous open complaints unanswered. See attatched MORE New Information Provided XXXX leter XX/XX/XXXX CONFIRMATION OF SETTLEMENT card ending XXXX A VISA/ MTR card DEBT XX/XX/XXXX. 
This Debt became a Visa card XXXX TWO YEARS LATER is now account # XXXX See attatched Equifax Credit Report. see attatched MASTER ACCOUNT XXXX XXXX XXXX CANCELATION OF DEBT XX/XX/XXXX. This is now account?? XXXX XXXX attatched Report. Date opened XX/XX/XXXX?? " VERIFIED '' AS TRANSFERED/ Sold ** " What Method of Verification was used. This account settled XX/XX/XXXX. HOW COULD THIS BE " VERIFIED '' XXXX PLAYS A NUMBERS GAME. Visa begins with a ( 4 ) and MSTR begins with ( 5 ) Who " VERIFIED '' this AS ACCURATE? XXXX??? ACCOUNT NUMBERS.??? NOT ACCURATE. I DID NOT OPEN THE VISA CARD XXXX IS COLLECTING ON. XXXX made an UNAUTHORIZED PAYMENT XX/XX/XXXX DEBT COLLECTION ON SOCIAL SECURITY FUNDS PROHIBITED BY FEDERAL LAW. SS ACT SECT 207. XXXX IS IN VIOLATION OF FEDERAL LAWS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
So the problem is Sallie Mae. Between XXXX I attended a FOR-PROFIT COLLEGE located in XXXX, CA. In total, I was charged more than {$24000.00} dollars. My education processes lasted 8 months ( or less ). 

Of the For-Profit College that I was originally encouraged to attend, was then named XXXX College. I was charged {$24000.00} dollars ( that was all taken in even before the first day of class ).  Included all student fee-wavers and student aid where all subject to be taking in by XXXX College. Since the first day of class, till the end of the remaining last month, the institution lacked the value of its representation. Its education method lacked intellect. And encouragement was misleading. It promotion methods about direct job training was misleading. Its assurance of a Job was lacking in fact. 

A few months after the end of the 8 month ( or less ) education process by XXXX College, I lacked the ability and the chance to find a job. 

Once I did apply, and was brought in ( 5 months after receiving a degree from XXXX College ), the skill and training required lacked the intellect support required. 

XXXX College became XXXX College that same year I was given a degree. ( Lacking support to a students education - trust and worth ). 

My education title was then - XXXX XXXX. 

After seeking for a job near-to 5 months after receiving my XXXX College degree ( XXXX College XXXX ), I receive a job. Four months later, I was terminated for lacking of XXXX  knowledge. Afterwards, I was notified that XXXX College no longer existed but was instead a new college called XXXX College ( XXXX College XXXX ). 

I was never able to climb or find a job with the education I. received from XXXX College. 
The staff and employees from XXXX College ( XXXX College XXXX ) who once told me of the value of education and assurance, where then avoiding or changing the policies they stood for. 

XXXX College XXXX applied for bankrupt. 

I am still being charged for an education that was defrauding students. 

Sallie Mae sold my information to Navient ( or switched to ) and Navient wishes me to pay the remaining loan money that XXXX College ( XXXX XXXX ) - XXXX College XXXX - originally charged me for. 

I was, with thousands of students, defrauded by a FOR-PROFIT College Inc. who assured every student, but now attempt to avoid any fault. Navient is ignoring the fact and using the means used by XXXX College XXXX to defraud students. 

NAVIENT is currently charging me for a fraud brought about by XXXX College XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: FL

Complaint narrative:
This debit was presented on my credit file towards the end of XXXX. There was no previous record of this credit debit prior to this timeframe, although the origination and date of service reflects XX/XX/XXXX. The bill comes with various Doctor 's names from XXXX XXXX to now showing as a XXXX XXXX. 
The amount originally shows as {$1500.00}, {$240.00} and now is showing with the same debit collector as XXXX and {$250.00}, respectively. I spoke with a XXXX in XXXX of XXXX when I initially disputed the amounts owed. I requested verification of the debit, from the original Creditor, no such information was found or provided. 
I disputed the transactions again, XXXX. I was provided with an address : XXXX XXXX XXXX XXXX, SC XXXX and to address the dispute as Medical. I spoke with XXXX who stated I would receive correspondence via email regarding the initiation of my dispute. Again, this did not take place nor was the information I submitted disputing the charge was addressed. The Credit continues to XXXX my credit score as it continues to report the debit as delinquent. 
These medical bills are the only debits remaining on my credit that magically appeared only in XXXX. All other outstanding debits have been resolved/ paid. This is fraudulent and the reporting agency-DRS is propagating fraudulent activities.

Company response to consumer: Closed with explanation