vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-16 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I received a Property Tax delinquency notice from my township in XXXX. I contacted my mortgage company immediately. They promised to resolve the issue. 

I called again early XXXX as I noticed that the payment still was not remitted. They promised to take care of it. 

I called again end of XXXX to get status and they still have not resolved it. 

It is now middle of XXXX, no property tax payment was remitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: IN

Complaint narrative:
We had a loan through Kia Motors Finance on our XXXX XXXX which we paid off XX/XX/XXXX. Since then, we have called customer service numerous times checking the status of our overpayment refund, but each time the story is the same : that a refund has been processed but not sent, and that there is no way to contact the responsible department other than by email, to which there has to-date never been a response. I have been reassured by various reps that they are looking into it, but nothing has changed. 

It is now more than XXXX months later. If I were XXXX months late with a payment, Kia would at least continue charging interest, if not take legal action. I have contacted Kia 's complaint department in writing ( the only method which I was told will guarantee a response ), and I will be taking legal action if this matter is not addressed shortly. The pandemic is no excuse. Everyone else has carried on business as usual. Kia has a responsibility to 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 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Citizens One website would not load and accept my payment until after XXXX. It is the XXXX of the month and their website is post dating my payment I made to the XXXX so they can charge me a late fee. Citizens One has a history of charging unnecessary and improper late fees. In addition, at no time has anyone from Citizens One customer service, corporate office, or executive team made contact with me regarding any of my previous complaints and to date I have never spoke with anyone from Citizens One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMS Inc.
State: OR

Complaint narrative:
In two written statements to FMS INC I've made it clear that the two accounts in collections that they hold on my credit report are not mine and are a result of Identity theft. Dates of both letters are XX/XX/XXXX and XX/XX/XXXX while expressing to cease contact. 
I received three calls today, XX/XX/XXXX and three calls a day for the last two months attempting to collect this debt. I've blocked each number. A new number calls each time and the voicemail state FMS INC in an automated attempt to collect. 
Today, XX/XX/XXXX a XXXX account was made with my name, pictures of my family and a profile picture that was not me. Also, a XXXX number was used. This account showed up on mother 's account impersonating me and or trying to gather information on me. 
Either way this is disturbing behavior and a part of a long series of behavior to either use my identity or collect on debts that are a result of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: IN

Complaint narrative:
Information received back from dispute to XXXX XXXX validates my reason for dispute. 
Letter from XXXX XXXX states the reporting is accurate. ( See attached documents of reports showing multiple errors. ) 1. Letter states account was a collection as of XX/XX/XXXX? How is this possible when my last reported payment in full is XX/XX/XXXX? 

2. Account is still on report as collection as of today. XX/XX/XXXX. This is clearly inaccurate. 

3. Letter states that first delinquency date was XX/XX/XXXX? Credit Report clearly shows first delinquency date of XX/XX/XXXX. Which indicates rollback and illegal re-aging. 

4. One report shows paid, and other shows as derogatory thats still in collections. 

These are multiple inaccuracies which are in violation of my rights under FCRA law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
MY MORTGAGE ACCOUNT AT CITIZENS ONE IS XXXX i have been trying to reach citizen one home loans for a long time. There are always long hold times. 
THIS IS UNACCEPTABLE. 
ALSO many of the reps are foreigners which impedes on customer service. 

in XXXX, i was assessed a late payment fee. we all know the postal service is messed up during XXXX  pandemic. they shouldn't be charging fees. 

please take care of this ASAP THANKS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: PA

Complaint narrative:
I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file.

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 2020-10-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: MA

Complaint narrative:
I received {$2000.00} from a XXXX  XXXX. I paid close to {$3000.00} and they still wanted more. I tired to talk to them but they just said you agree to pay the loan back. They wanted me to pay closet $ XXXX {$9000.00}. 

YOU must be crazy. I already paid close to {$3000.00}. 

This company has a law suit against them for charging consumer high fees. 

XXXX XXXX XXXX 15 Others Named in Class Action Over Rent-a-Tribe Predatory Lending Scheme. 

The lawsuit detailed on this page has been settled for {$140.00} XXXX. The proposed deal awaits preliminary approval from U.S. District Judge XXXX XXXX XXXX, XXXX. 

As part of the proposed settlement, XXXX XXXX XXXX has agreed to cancel {$76.00} XXXX in loans, covering more than XXXX in the defendants collection, and remit a cash payout of {$65.00} XXXX to borrowers. The deal also calls for XXXX   XXXX  XXXX  CEO to resign from his position before the date preliminary approval is handed down and prohibits the company from using class members information for debt collection purposes, among other relief. 

Why are they still calling me and having attorneys contact 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 2020-10-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: CA

Complaint narrative:
For refinancing, I went to the Lending Tree website ( www.lendingtree.com ). I was not asked to enter my SSN. However, based on my name, DOB, and phone number, they obtained my SSN and then passed it out to unknown number of lenders, ALL without my permission or authorization. I contacted them and they said that it is disclosed on the page asking for the phone number. I took a screenshot of each page and that is not so. They just said that our legal department has approved everything on our website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Took loan on my credit card for a fixed interest rate which has been applied for fixed monthly payments. However, every month, additional interest rate is being added. After having called customer service multiple times, the fees have been waived and the agent mentioned that those charges were incorrect and will be fixed so I won't be charged going forward. But, the charges seem to be added again in the following months.

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 2020-10-16 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: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account is not mines and is reporting inaccurately. 

DIVERSIFIED ADJ SVC XXXX  XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo put forced CPI on my truck loan and it raised my payment to a level I could not afford. Then they repossessed my truck and killed my credit. I had to file bankruptcy. There not allowing me outside arbitration which there to do per the agreement from all states last year. They have lied to me at every step of this entire thing. There even lying about the date they took my truck trying to get out of paying. I need this taken care of and this isnt getting it done. I know the date they took my truck and it was from forced placed cpi and lies.

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 2020-10-16 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: IL

Complaint narrative:
I opened a dispute on XXXX/XXXX/20 with Citicard for charges for a rental home in Florida. The charges total {$20000.00}. The rental dates were XXXX20, and the rental was cancelled due to XXXX travel restrictions. 

The dispute numbers and amounts are XXXX : {$9800.00}, and XXXX : {$10000.00}. 

Since opening the dispute almost 7 months ago, we've provided full documentation to Citibank. The last written communication we received from Citibank was on XX/XX/20, stating that the dispute is still under investigation. Despite many calls to Citibank, we have not been able to get more information on dispute status nor expected end date. 

I'm attaching documentation which has been shared with Citibank, detailing timeline of purchase and dispute.

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 2020-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: PA

Complaint narrative:
there was an injury on my report that was placed well over 60 days ago. I reached out to the company and to have them remove it because I did not authorize it but it is still reporting. I also reached out to all the bureau 's and nothing has been done. Even though I sent information from my credit report they said it wasn't enough information to prove there was inquiry. However, the inquiry still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I have a loan with JPMCB CARD, XXXX, and XXXX  XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, JPMCB CARD, XXXX, and XXXX  XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MRS BPO, LLC
State: TN

Complaint narrative:
This account suddenly reported on my credit and I have no idea what it is as XX/XX/XXXX has been paid so this can not be truly a XX/XX/XXXX bill as well as I have not received any notification in writing of a debt and it was placed on my credit without my knowledge which violates my rights according to the Fair Debt Collection Practices Act ( 15 USC 1692g Sec. 809 ( b ). I have not been contacted by this office by any forms. Furthermore, they are reporting a debt that has been paid and also in order to attempt to collect a debt in the state of TN a collection agency must be licensed and bonded. This collection agency is NOT licensed NOR bonded in my state which violates the law in State of TN. I request this illegal collecting CEASED and DESISTED immediately and removed off my credit as it is not valid plus illegal collection activity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-16 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: LA

Complaint narrative:
My account was frozen by ReliaCard for identity verification. I called the company to try to resolve the issue and was told to fax in a copy of my social security card and ID and it would be unfrozen in 3-4 days. I did as instructed and a week later it was still frozen. I called again and was told to fax in my social security card, ID, and W2 forms. I told them I lost my W2 forms in Hurricane Laura and faxed in the other documents a total of 3 times. It has been over a month that it has been frozen and they will not help me resolve it. My XXXX  fianc and I are having to live in a home with black mold and a collapsed roof due to not being able to access the money in my 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 2020-10-16 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: NV

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2000.00} -This is not my account. 

-- INSTALLMENT LOAN 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my 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 2020-10-16 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: U.S. BANCORP
State: AZ

Complaint narrative:
I paid off a charged off account with US Bank this summer ( 2020 ) and was assured by US Bank that they would report that I owed a XXXX balance because we came to a settlement amount. It was paid and they sent me a letter stating the account was settled. They continue to report me as being late every month as well as having a balance owed. I have disputed this with all 3 credit bureaus and Us Bank keeps reporting that I owe a balance AND they keep reporting me as late! This is inaccurate and against the law. My wife has contacted them multiple times to correct this inaccuracy and they have assured us that they will fix it in 30 days but its been months of this and they continue to falsify information to the bureaus. Meanwhile my credit score drops monthly due to their inaccurate reporting.

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