vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Account open started on the letter shown XX/XX/2020. Supposed creditor is XXXX but the I do not have and have never open a XXXX account before. 

Date of the letter is on XXXX XXXX with a balance of XXXX.

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

Complaint narrative:
The mortgage serviced XXXX recently partnered with loan care. I was in the process of getting my PMI dropped off since I have met the 75 % minimum equity required and even paid for an appraisal through XXXX to have it done but since I was transferred midway through I have not been able to get a response from loan care. This is time sensitive since the appraisal is only valid for a set time period. 

I have submitted 2 online requests asking for a call and nothing and have called he phone system at XXXX numerous time last and can not get a person on the phone since the system just keeps putting you in a loop and wont let you speak to anyone ever I feel like they like the servicer is violating the act that allows me to drop off my PMI since I have met all criteria and have not received a timely response

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
I've contacted XXXX  and was advised this account was opened in my name in 2016. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Skrill USA, Inc.
State: NJ

Complaint narrative:
I can not withdraw my funds from skrill and customer service was not of assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX Issue I received a statement addendum, dated XX/XX/XXXX, again, this year, from Nordstrom informing me that they were reducing my credit limit by, this time, {$500.00}. ( Last year it was {$1000.00} ). 

[ From the Nordstrom Statement ] Your current report reads : SERIOUS DELINQUENCY RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH NUMBER OF ACCOUNTS WITH DELINQUENCY TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED On Nordstroms statement I was invited to contact the agency directly. 

When I called the number given for XXXX : XXXX, there was no live person to discuss their blunder. I was referred to NORDSTROM. 
I called Nordstrom. The young man I talked with said they adhered to the information provided by XXXX, and referred me back to XXXX. He also checked my account and found no problem. 

There seems to be no responsible humans at XXXX, only telephone robots available. 
The reality, which they dont seem to care about is that : In early XXXX, I realized that just to live modestly on my income from Social Security, I was over using credit cards and running up balances I could not deal with. 

I submitted most of my cards to XXXX XXXX XXXXXXXXwhich looked to be the most reputable organization in class. Since then, they have settled with XXXX XXXX, XXXX and XXXX XXXX. 

They have yet to settle with XXXX and TARGET. I have no control over these balances. Understand that I have done everything in my power to be responsible. 

I have 2 older cards that remain active : XXXX and Nordstrom. Please check with them and verify that I commonly pay over the amount due before. the cutoff deadline. I HAVE NOT BEEN DELINQUENT WITH ACCOUNTS FOR WHICH I AM RESPONSIBLE. And I am working to lower my balance. As you know, if one is not wealthy, interest rates are obscene. 

The XXXX report doesnt have much relationship to reality. I think the robots are also XXXX. 
I am working to clean up my financial relationships, and wish to re-establish a positive credit score. 

RE : The report : 1. SERIOUS DELINQUENCY. -- XXXX None XXXX XXXX. RATIO OF BALANCE TO LIMIT ON BANK REVOLVING OR OTHER REV ACCTS TOO HIGH. -- -XX Questionable XX 3. NUMBER OF ACCOUNTS WITH DELINQUENCY. -- XXXX None XXXX 4. TOO FEW ACCOUNTS CURRENTLY PAID AS AGREED. -- - XXXX None XXXX This report has caused a reduction in my credit line and maintaining a low credit score. 
The XXXX report is irresponsible and causing me financial damage. 

And finally, I stumbled upon your websitegiving me hope of restoring my credit and credibility. ( I have no idea what the other two agencies are reporting ) Please check my history and demand XXXX Adjust my report. 
I need a copy to present to Nordstrom ( or perhaps you can correct.. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am a victim of identity theft. I submitted my police report, copies of my drivers license and social security card and a letter to Equifax detailing the fraudulent accounts ( XXXX XXXX  XXXX XXXX & XXXX XXXX XXXX ) that are reporting in error in my credit report. I referrenced the Fair Credit Reporting Act Section 605B in my correspondence to Equifax and requested that the fraudulent accounts be blocked pursuant to federal law. Equifax did not complete this request in the 4 days as required by law and rather opened a dispute and verified fraudulent accounts by confirming my name and date of birth, both of which have been compromised. Equifax continues to disregard federal law by willfully reporting erroneous information on my credit profile that continues to cause me harm both financially and mentally. I have not benefitted nor did I authorize the accounts that Equifax continues to report after being notified by myself and law enforcement that are fraudulent ( XXXX XXXX XXXX XXXX & XXXX XXXX XXXX ).

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

Complaint narrative:
I've contacted XXXX and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
I've contacted XXXX  and was advised this account was opened in my name in XXXX. Not only that this account was fraud but the credit bureaus is reporting wrong opened date. I will sue the credit bureaus if they don't remove this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: FL

Complaint narrative:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

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

Complaint narrative:
I was a victim of fraud a few years ago andI need my address update to my credit file to XXXX XXXX XXXXXXXX XXXX, OH XXXX. My name is XXXX XXXX XXXX XXXX XXXX, SS XXXX. I have had my IDENTITY comprised at a previous address XXXX XXXX XXXX XXXX, OH XXXX, please delete or remove this address due to the fraud that happened to my credit there I don't want to be associated with this address and remove my name from any prescreened offers and promotion as well. 
Please inform the account below that I demand verification or validation if not please delete this account due to my previous ID theft I demand proof for any and all unknown accounts that I have never had a contract with these companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells fargo has been reporting that I am in home preservation since XX/XX/2020. 
I have been able to pay all of my payments and was not in forbearance. I am trying to Irefiance my loan and they will not give me a letter stating that I was not in forbearance. 

They are stopping me from refinacing and lowering my rate, I called Wells Fargo XX/XX/2020, XX/XX/2020, XX/XX/2020. XX/XX/2020 to tell them I am not in Forebearance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs was supposed to send me additional documents to verify my identity. I was told when I applied that this would be sent to me during the application process. Instead, I have been declined because they claim they can not verify me but never sent any additional documents. I have received many different answers from a number of associates. Based on their lack of solutions or help, it is apparent to me Goldman Sachs is discriminating against me for some reason. Very shocking given my XXXX credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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:
There is an inaccurate mortgage reporting late that I re financed and paid off on time. The lender has it on time with Equifax reporting on the payment legend every month but then marked it late on the payment status as 90 days late, it is totally wrong and hurting my credit. Pleased see that this gets handled ... ... ... ... XXXX XXXX. 

This could be very embarrassing for me with my employer XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2020 my wife and I went to XXXX XXXX on XXXX XXXX in XXXX XXXX, Texas and put a XXXX on layaway. We were told at the time that any payments could be made to that store or any XXXX XXXX or XXXX XXXX XXXX. As we were in town visiting family we decided that this was good considering we lived an hour away but did have a XXXX XXXX close by. On XX/XX/2020 I went in to the XXXX XXXX XXXX in XXXX to make a payment on my item. I decided in XXXX that I would take a XXXX  I already had, and new the value of to trade in to make a payment on my layaway. When arriving to the store XXXX, the manager, approached me and my wife and took my XXXX to " appraise ''. I was told by the manager that my XXXX, valued at {$500.00} used, was only worth {$150.00} and that was all that he would give. He tried to show a picture of a completely different XXXX that he found online that he got his appraisal from. From that point he became unprofessional and I explained to him that I wanted to end the layaway with XXXX XXXX and would dispute the charges with our bank to get our refund that he denied to give us because the layaway would cost us {$260.00}. My wife and I were told that we could dispute the charges but that we were no longer welcome to shop at XXXX XXXX. On XX/XX/XXXX our bank decided to rule in our favor for the refund of the initial {$80.00} and the XXXX payment of {$120.00} was still under investigation. Our bank Capital One, after receiving documentation from XXXX XXXX decided to take away the provisional credit as the payment was made at XXXX XXXX XXXX. They were not seeing it as one single transaction as we were told from XXXX XXXX on payments. They treated it as a completely separate transaction and stated that it was contractual with the XXXX XXXX XXXX store. Capital one has proven that they will not help us and will only side with the merchant.

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

Complaint narrative:
On XX/XX/21 I was mailed a Debt collection letter from XXXX XXXX XXXX about a debt that I have No Knowledge of. This company has failed to provide me the original APPLICATION that I signed with them. If they can not provide me the original application, then I ask that this debt be removed from my credit report immediately.I am deeply upset about the erroneous things I see on my credit report. The accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out whats going on to and who the inaccurate information belongs to. Can you all clear this up quick. it is my understanding that you will do an investigation immediately. A new credit report that reflect the updated changes should be sent. You must complete this investigation within 30 days of receipt of this letter. According to law unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed. This is false and misleading information.Thanks for your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.

Complaint narrative:
- I lived in the USA from XX/XX/XXXX to XX/XX/XXXX and moved to XXXX in XX/XX/XXXX - When in XXXX, I was able to put a credit freeze on my XXXX and XXXX utilizing their online services. When attempting to do the same with Equifax through MyEquifax I was unable to verify myself. I called on XX/XX/XXXX to get this rectified and was informed they were unable to identify me and would not send information to XXXX to correct but instead I needed to send Personal Identifiable information via mail ( e.g. SSN, Passport, License etc. ) to verify myself before I can have a MyEquifax account. As I monitored my credit on XXXX, at the time i did not do this. 

- On XX/XX/XXXX, I received through XXXX a alert that their was a Hard enquiry to Equifax for my U.S.A credit - On XX/XX/XXXX, I tried to call to dispute this and also activate my MyEquifax account to freeze my credit report, but was unable to get in contact with a Person, as their system tried to verify me and it would not accept me. The issue faced is Equifax only have details related to my U.S.A personal information ( e.g. Addresses, phone number etc. ), so when I confirmed my former U.S.A phone number it wanted to send a confirmation code to it. As I no longer have this phone, this was impossible. 
- On XX/XX/XXXX, I sent two faxes to Equifax ( to XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, explaining my issue and included all the details they initially asked in my call on XX/XX/XXXX ( Passport , SSN, U.S.A Bank Statement, XXXX  Drivers license ). In my letter I explained that they will need to confirm my identity through all my old U.S.A history, and not any XXXX details. I included a copy of my Equifax report from XXXX, that clearly shows the addresses on file are from the U.S.A. I also noted they can only communicate to me with my XXXX contact information. 
- On XX/XX/XXXX, I received a response from Equifax ( dated XX/XX/XXXX ) that noted they were unable to help due to being unable to verify my identity and requested I provide the exact information I provided in my initial fax. The letter noted they required proof of my XXXX residence, when as clearly stated on my first letter, all information in my U.S.A credit report is from the U.S.A - On XX/XX/XXXX, I rewrote to Equifax and provided the same information again via registered mail to the address noted on their letter and clearly stated for the second time, that they will only be able to verify my U.S.A details, as none of the XXXX information will be on their system. 

As of todays date, XXXX XX/XX/XXXX, I am yet to receive any response. 

Note : The XXXX address provided in the correspondence has since changed due to a move within XXXX, but should not effect any information on the Equifax system

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

Complaint narrative:
I made a purchase at my regular spa for XXXX on XX/XX/XXXX, I received terrible service by an untrained new staff member. They rescheduled to fix the problem and rescheduled on XX/XX/XXXX. They said, my regular XXXX has left the job and wont be able to provide me a new XXXX  because they dont have any at the moment. 
They never fixed the problem, and said they will return my money upon checking with their boss/owner XXXX. I never received my refund. I filled claim with my credit card service provider Citi Costco Visa. On XX/XX/XXXX, they sent a letter stating, they are trying to get permanent credit. On XX/XX/XXXX they reversed the temporary credit without any explanation. I called and spoke with their dispute department rep. On XX/XX/XXXX and I was informed that their supervisor decided to reverse the credit. 

I am not responsible for the charges for services that I never received. I want my money back from the merchant and the credit card is not working to get it for me. They are heading me responsible. The merchant should be held responsible since they are one who failed to provide me the service.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have had issues over the last few months with my Citi XXXX XXXX credit card. I have made payments for more than the minimum due via my financial institution through Bill Pay, which are remitted to Citi Cards. In both instances, the payments were applied to the incorrect credit card account. I have chatted with Citi on multiple occasions to have the payments transferred from the incorrect to the correct account. It was completed after multiple contacts for the XXXX statements. For the XXXX statement, I requested that it be corrected, but it was not applied correctly again. In attempting to resolve it again with a representative, they denoted that there was not an issue. Attached is the chat record which I have kept for my interactions that denote applicable dates and my attempt to resolve.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: MO

Complaint narrative:
XXXX XXXX reporting wrong info on credit report i sent u info proving its incorrect yet still will not fix ur XXXX XXXX this has been disputed several times and corrected several times this needs to be fixed right

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