vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I traveled to foreign country and was a victim of identity theft/credit card fraud. I tried to resolve the issue with the credit card company, but I have not received any resistance. I also tried to file a police report when I returned to the United States. But was told they can not help me because it was over seas. I also filed an identity theft complaint with FTC. I just want the fraudulent charges and lates removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I previously had not been able to get into and finally today I see where with citi did I misunderstood that it had been closed with the dispute? I am still in process of receiving this previous statement of owing {$190.00}. XXXX for a purchase on XX/XX/20 ( {$98.00} XXXX and XX/XX/20 ( {$98.00} XXXX totaling the {$190.00}. Would this company not acknowledge since I am disputing charges and had stated repeatedly that no purchases would I make again until I had a XXXX balance of them correcting charges that was done WITHOUT MY PERMISSION. I received this bill on XX/XX/20. They had me sign a sheet stating that the account would be closed to protect it from further fraudulent activity on XX/XX/20 but yet another charge was on the XXXX?. Not one charge is being disputed but 9 at the moment. Excuse me 10 because yesterday I received yet another package in mailbox, I left it in box, wrote refused as I have done with all the others and mailman picked it up today. So please advise Citi to do as they stated they would!!!! I have only received two letters stating dispute has been opened one for {$100.00} and the other {$98.00} ... ... I need confirmation of all thru mail, please. I am looking forward to having a XXXX balance and closing this card permanently. This started in XXXX and its now XXXX ... ..I am indebted to your Bureau for helping me. This has been a struggle for them to get involved when I am a customer that usually pays the entire bill for each statement unless I have a balance transfer. I am never late and I only want HONESTY!!!! I am so ready to close this folder of all my letters to them unanswered until YOU ... ... I thank you!!!! Have a great weekend!!! Thanks again so very very much!!!! XXXX XXXX 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 2020-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I set up a payment plan in XX/XX/XXXX to split my XX/XX/XXXX payment over the next three months. So instead of {$710.00} I am paying XXXX in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Because the payment is different from my normal payment I an not pay online or the automated system over the phone. I was not given this information when I set up the payment plan, and was only told when I called in later on XX/XX/2020 confirming that the payment plan was set up. I can only pay with a person over the phone and they charge {$10.00} to complete the transaction. Today XX/XX/2020 the customer service representative said he could waive the fee, but only if I set up a payment for next month at the time of this transaction. I tried to set up a bill pay with my bank but it wouldn't get there in time so paying over the phone with a person was my only option.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have written to LVNV ( on three occasions ), a collection company, asking them to properly validate the debt as required by the Fair Debt Collection Practices Act. All they can send is a single page billing statement. That is not proof, they must produce a document with my signature showing that I am financially responsible for this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: SECURITY FINANCE CORP
State: OK

Complaint narrative:
My loan is for {$1200.00}. They are reporting my balance as {$1500.00}, which is causing my credit score to drop since the balance is higher than the high credit amount. They tell me this is the finance charge and that all installment debt is done this way and that is not true. My auto loans never reported that way. I believe they are doing this intentionally to hurt my scores so I'm not able to go to a more reputable place to borrow money.

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 2020-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: NV

Complaint narrative:
PORTFOLIO RECOVERY ( XXXX XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$450.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by a fake check and didnt acknowledge it until my bank account went negative, Im currently out of a job and the date I cashed the check was XX/XX/2020 and it was processed by XX/XX/2020. I had at least XXXX $ or XXXX $ before this had happened and called the bank multiple times to get a solution but was not able to be helped up until the 4th time I had called and was redirected to someone that finally told me shed help me fix the problem. My account was about to be closed since the check was fraudulent. When I had first cashed the check at least 400 $ was made available to me and right after I cashed it, I called my bank to make sure that the rest would be coming in at this point stating the amount I had gotten from the check. I understand completely that being scammed is partially a fault of mine since I did not read the check carefully but I would at least like to have the amount of money I had before back. I currently bank with Wells Fargo and they said there was nothing they could do and I had to pay back whatever I was due which was negative XXXX. Which I found really unfair. With the XXXX  I sent back to the person who was supposed to be paying me. She said she had her client send over the check to me but it was over the amount that was due to me. I was selling a designer wallet. And due to that I said okay because I was not aware this was a scam going around out there. I was completely and utterly shocked to find my bank account negative and thankful to have a friend able to pull me out of it.

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 2020-02-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Patient Accounting Service Center
State: NJ

Complaint narrative:
I received bills for my coinsurance with XXXX, but I am in the XXXX XXXX XXXX ( XXXX  ) Program and can not be charged for coinsurance and copayments. I called where the other bills were coming from, and they took care of my bills and charged XXXX  for them ( since XXXX  pays my coinsurance. ) she said she would take care of the one that went to the collection agency, but I still am receiving bills from them for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

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 2020-02-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
My loan payment was due XX/XX/XXXX. I have made on time payments for 7 years.Never late. My payment the was scheduled didn't get processed. XX/XX/XXXX I made another payment-but navient made me pay for XXXX and XXXX {$1400.00}. I had no other option. XX/XX/XXXX my cosigners received calls at XXXX saying my loans are past due and going into collections. I called navient today and they said they have not received a payment. Even though I showed that I payed. They said that payment XX/XX/XXXX was canceled. So I payed again today {$1400.00}, bc they have called my cosigners and sending emails to all of us. 

Now they have 4 monthly payments from me after lying saying I didn't make any payments. 

I called and they said they can't do anything about it. That both payments are getting processed. They then said we will have a conference call with my bank and proceed to leave me out of the conference call. They also said I would be denied for cosigners release because I was delinquent on a payment that I payed for already. I will be reimbursed the money in 5-10 business days in which all my checks will bounce. 


They wanted me to go delinquent on my loan. Making me pay for XXXX a month in advance. They processed my payment late, said the payment didn't exist and made me pay again after calling all my cosigners. I have been harassed and bullied by navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I started disputing the inaccuracy of the public record items ( XXXX** AND XXXX** )  being reported on my credit XX/XX/XXXX. I asked TransUnion to provide me a method of verification and TransUnion responded by saying the USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then wrote the court a letter asking if they reported or validated such information to credit bureas and they responded, NO they do not report, validate or confirm bankruptcy case filings to the credit bureaus. So I then mailed that letter along with the letter TransUnion sent me saying the court validated this information and asked them to deleted and TransUnion responded by sending me a computer generated letter, which i know is STALL TACTIC, in hopes that I would give up. My credit is important to me and making sure accurate information is reported only on my credit is important. TransUnion sent a letter dated XX/XX/XXXX saying USBK Court XX/XX/XXXXMississippi, XXXX XXXX XXXX, XXXX, MS XXXX validated this information. I then mailed ANOTHER dispute letter asking them to stop validating this inaccurate information and to delete immediately. TransUnion responded to that dispute letteron XX/XX/XXXX and now is saying USBK Court XX/XX/XXXX Mississippi, XXXX XXXX XXXX, XXXX XXXX, LA validated this information. HOW IS THAT POSSIBLE? XXXX XXXX XXXX, XXXX XXXX, LA pulls up ABOSULTELY NOTHING when XXXX  searched and WHY WOULD A COURTHOUSE BASED IN MISSISSIPPI HAVE AN ADDRESS IN LOUSIANA?. That makes NO SENSE! This is an APPARENT NEGLECT ON TRANSUNIONS BEHALF! They are literally PURPOSELY PUTTING INACCURATE INFORMATION ON MY REPORT AND I WILL NOT ALLOW THIS. DELETE THIS INFORMATION IMMEDIATELY. I am fully prepared to take legal action if not deleted immediately. I HAVE ATTACHED ALL PROOF.

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 2020-02-28 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

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 2020-02-28 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'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. I have contacted the FTC and the police here. These items need to be deleted from my credit report XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I saw alot of inquiries as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Im doing this on my own behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
This is not regarding my loan and I am not a customer with Ally. On XX/XX/XXXX a representative named XXXX at XXXX extension XXXX contacted my wife 's nephew ( XXXX XXXX ) in regards to his XXXX XXXX but she did not call my wife directly, she contacted Mr. XXXX 's step mother and left a message as this " This message is for XXXX XXXX my name is XXXX I am calling in reference to XXXX XXXX and XXXX XXXX ''. My wife 's last name is not XXXX. Back in XXXX my wife assisted our very young nephew with an extension fee payment and having a conversation with his Ally account. When my wife called and spoke with XXXX ... XXXX 's exact words were " You are left as an authorized user ''. ( Last time I checked authorized users were not for auto loans ). My wife tried to explain in detail what happened and why her name was on the account and asked for no more calls instead XXXX hung up on her. My wife called back and spoke with a supervisor who agreed to remove her number. Today I received a voicemail from the same XXXX. I'm only associated to your customer through marriage. He is not my direct relative. Not only did I receive a voicemail but this XXXX felt it was necessary to contact MY MOTHER! My mother who has absolutely ZERO association to your customer. She has only met XXXX maybe a handful of times and that is it. This is absolutely ridiculous and a violation of the consumers personal rights. I myself will be taking this a step further and hiring an attorney after the harassment that I endured. There is ZERO reason for XXXX to be contacting 3rd parties who are not associated with the loan. When I called to file the complain the rep who I had on the phone had the audacity to ask if I could have the customer call in to tell them to remove the numbers. I told per law he is to remove any numbers when asked to.

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have written to XXXX three times requesting proof that that I was late and properly charged off. All they do is to write me and say that I was late. That is not sufficient proof. They should be providing copies of every monthly statement showing that I was in fact late ... just like they would have to do if they were going to Court to prove up their case.

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 2020-02-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 non-monetary relief
Consumer complaint received 2020-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am in the middle of the home buying process and my lender indicated that they are not able to pull my Equifax credit report because it is being flagged for consumer fraud. When I contacted Equifax, they said they need to verify my identity and to fax over my driver 's license and social security card. They would not provide me with any information even though I have answered all of their verification questions correct. I have faxed in my information 3 times and still no response. When I call to follow up, they say there is nothing they can do for me. This is causing an extreme hardship for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: NC

Complaint narrative:
We recently went through the process of trying to purchase a home with Rocket mortgage. Everything was going well until two days ( XX/XX/XXXX ) before our closing date XX/XX/XXXX, Rocket told us that information about our employment was not sufficient. 

We submitted the letter on XX/XX/XXXX and was fully verified on XX/XX/XXXX, but was letter approved earlier. We submitted another letter XX/XX/XXXX, upon request of Rocket, and a revised letter on XX/XX/XXXX. We were told on the XXXX the letter was insufficient. 

On XX/XX/XXXX, We asked Rocket to provide a signed letter by the end of the day ( requested in the morning ) to submit with the cancelation of the contract to receive our earnest money back. They sent the letter unsigned at XXXX XXXX. Our realtor submitted a request past XXXX XXXX  due to the tartiness of Rocket. 

We paid an extension of the contract of {$370.00} on XX/XX/XXXX. The terms of the letter were very clear about the time frame of my employment. We might also forfeit the {$1000.00} earnest money due to Rocket Mortgage unable to send a letter in a timely manner. 

Rocket Mortgage reviewed the letters and said they should be sufficient, but when reviewed by a different team they denied the letter. 

We were purchasing a house interstate, have XXXX  young children. Rocket 's process in closing is last minute, and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY 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 2020-02-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation