vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal took money out of my checking account to pay a past due balance on a credit card that wasnt setup on automatic withdrawals. It is for my rent money. I reached to Navy Federal for hardship assistance and they refused to help or lower my payments. I dont have money to pay my rent. Im going to be homeless. My landlord agreed to hold-off on evicting me and to accept my XX/XX/XXXX payment on The XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I have never, will never and do not have any business with Tower Loan. They have continually inquired on my credit report. They have no right to my social security number and no right to my credit report. They have never had my permission to access any of my personal information nor my report. I want each and every inquiry from Town Loan removed from my credit report and I want them forever banned from even thinking about reporting to my credit.

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 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN 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 2020-02-11 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: IN

Complaint narrative:
We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
We have a mortgage with XXXX ( was with XXXX up until last year ) the mortgage company will not report our " On Time '' Payments to the credit bureaus. 
We have been consistently on time for 10 years but they wont report to bureaus thus negatively affecting our credit score, which costs me every day. Our account number with XXXX is XXXX XXXX & XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX, IN 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 2020-02-11 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: MI

Complaint narrative:
There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.

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 2020-02-11 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: MI

Complaint narrative:
There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 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: MI

Complaint narrative:
There was an error on my credit report reported by XXXX XXXX XXXX XXXX in XXXX XXXX, MI. It is reporting that I was late in XXXX of 2017 on my camper payment. I was not. The payment was sent electronically and posted to the credit union savings account instead of applying it to the loan. I have contacted the credit bureaus and tried to get it resolved. They just look at the payment history and do not read the notes so they continue to verify it as late. I have a letter from the XXXX XXXX XXXX XXXX saying the reporting is incorrect but they the credit reporting agencies will not change the late payment to current.

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 2020-02-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX, submitted a complaint to Experian that I paid my loan in full on on XX/XX/XXXX and  gave them a copy of settlement document on-line. They did not agree. so re-disputed with email from company showing the balance was paid, to include the signed settlement document. They still refused to mark the load as paid in full showing I owe over {$25000.00} on the loan. 

I have tried to put a statement on my credit report and they will not let me put a statement. The Lender has verified that I owe nothing on the loan. I have requested a letter from them as well because I do not know who Experian is speaking with in regards to this matter. It is causing me undo stress.

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 2020-02-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have submitted multiple disputes along with Identity theft reports/police reports to XXXX  for fraudulent accounts and inquiries. They have not properly investigated these items nor provided sufficient evidence that i opened these fraudulent accounts. They refuse to remove all inaccuracies on my credit and it is damaging it bad!

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 2020-02-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am looking for Citi Bank Student Loan information dating back to 2006. The debt was sold/ serviced by new companies shortly after I began performing on the loans. I am requesting the information regarding the sale of those notes. Specifically : balances, principal, all payments, interest rates, and, discount price of the sale of the portfolio. The current holders/ services of the debt can not provide the history of the loans prior to the beginning of their agreements. I am requesting a transparent paper trail of that history, and the sale/ principal balances of my student loans. I tried to contact Citi Group Inc. they directed me to contact you. Thank you. Can you please research this information for 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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I had a American Express card opened in someone elses name and auto payments taken from my personal account. XXXX XXXX  recovered XXXX of the payments and told me that American Express was liable for the remainder of the amount that the person took from my account via ACH payments. American Express stated that they could not tell myself or the police that are running an investigation who the person was andvthat i have to take the lost money as a loss. I would like for them to : 1. Inform thr police of the person on the card 2. Re efund my monies - XXXX that were taken from my account to pay for this card 3. I assumed thr payments were for my card and American Express closed my sccount for lack of payment. This has ruined my credit and i would like my credit cleared from these account going into default. 

If the money was applied from my account to my cards directly i would still have a higher credit score. 

Thank you, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Tried to get verified information about debt that did not belong to myself or anyone in my family. Requested documents showing my signed name and They were unable to provide any documentation.

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 2020-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am a victim of identity theft due to an XXXX  Credit breech.On XX/XX/2020 I have submitted all required identity theft documention to XXXX  credit services and the following companies, SETOTYOTA FIN DBA OF WORLD OMNI account # XXXX. They continue to report these fraudulent accounts that are identity theft. Pursuant to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.and send the required notifications to all furnishers of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Citibank has blocked a personal checking account as of XX/XX/XXXX due to suspected fraudulent activity. 
2. A check provided by Mr. XXXX XXXX residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Indiana, XXXX for {$4500.00} has been returned reason E - unable to locate account 3. The originating bank is XXXX XXXX XXXX XXXX  and the check has the address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, AZ, XXXX 4. As a owner of a XXXX XXXX XXXX XXXX   started in XX/XX/XXXX, I have received a number of payments from clients with very few bad checks. 

Citibank has created the same issue in XXXX when I received another check from XXXX XXXX and they returned the check. The amount had to be authorized again In XXXX, a forged check {$200.00}, XXXX XXXX had to be investigated after considerable time and effort was put in by the consumer to have the appropriate Citibank offices provide timely information. 

5. Mr. XXXX reached out to me via XXXX  and XXXX  ( short term holiday platforms ) to book a holiday XX/XX/XXXX-XX/XX/XXXX. Thereafter he proceeded to email every few days requesting a booking. Upon receiving payment requirements, he said as it is a company check, it would only be paper and after getting an invoice and the property address, a check was received as of XX/XX/XXXX. 
5. As of XX/XX/XXXX, Citibank placed a hold on the account through branch XXXX, block XXXX. At the moment, Im unable to pay mortgage or any bills due to this issue with the banks. 
6. The XXXX XXXX XXXX XXXX  only has a branch in XXXX, Arizona and they do not have any locations in XXXX. They also have not been able to confirm if XXXX XXXX is a client or if XXXX XXXX is associated with this person.

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 2020-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My mortgage was transferred from XXXX to NewRez mortgage on XX/XX/2020. I  made a payment to NewRes in the amount of {$1300.00} they have applied only {$1000.00} to my account. I have attempted to contact them via telephone, I received the typical longer hold times than normal due to higher than normal call volume. I was on hold for 30 minutes before hanging up, please help me get the remaining {$260.00} credited to my account or refunded to my payment method.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have an account with XXXX which is serviced by Comenity Bank. I paid a day late over the XXXX holidays and incurred a late fee. I did not dispute this but asked for a courtesy removal since I only recently opened the account and have no trouble paying my bills. The fee was reduced from {$39.00} to {$24.00}. On XX/XX/XXXX I paid my bill on the due date at XXXX in the XXXX, after I arrived home. I am XXXX  at an XXXX XXXX XXXX and work 60-70 hours a week. It is often not possible to get to a phone or on line for personal reasons during the daytime. Comenity added a {$39.00} late fee to my account for not paying before XXXX XX/XX/XXXX. I spoke to a customer service agent who could not remove the fee - and could not reduce it because of the XXXX reduction. He transferred me to XXXX, a service account specialist at Comenity ( # XXXX ) and she said that this is Comenity policy. This is a deceptive practice. For the moment, I would like this late fee reversed. In the long run, I would like Comenity to change their policy. Either give the consumer until XXXX  or make the due date a day earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
There was a debt that showed up on my credit report that was not mine from 2014. It was from Citibank/Best Buy. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a Citibank debt but was inherited when Citibank bought Best Buys credit 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 non-monetary relief
Consumer complaint received 2020-02-11 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: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
MIDLAND CREDIT MANAGEMENT I have recieved the results of an investigation that an item was deleted from my credit report. However, I recently viewed my report online and the item is still being reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: FL

Complaint narrative:
I am a victim of identity theft due to a XXXX  credit beech. On XX/XX/2020 I submitted required identity theft documentation to Portfolio recovery associates account # XXXX. They continue to report this fraudulent account .Section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
these creditors are deleted oon other accts.transunion should delete

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 2020-02-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: MO

Complaint narrative:
Loancare assumed my mortgage from XXXX in XXXX/ XX/XX/XXXX. I wasn't notified that Loancare assumed they loan. Loancare sent information to my wife 's address. I received information from XXXX that payments should be sent to Loancare. 

Loancare approved a loan modification of payments of {$870.00}. Payments were made to Loancare for this amount for several months. My ex-wife is listed on the loan modification payment. She lives 2 hours away and works second shift. By the time the paperwork was completed, Loancare stopped receiving the payments of {$870.00}. 

I have tried several times to get this issue resolved through Loancare. I have only received a few billings from Loancare in XXXX. I have sent several letters and spoken on the phone several times yet the issue remains unresolved. 

I spoke with XXXX  XXXX  yesterday who they said I owed {$7500.00} ( yes a different mortgage company provided the information that Loancare would not provide ). I sent {$3100.00} on XX/XX/XXXX. I have the balance of {$4300.00} that I can send on XX/XX/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 2020-02-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Block, Inc.
State: DC

Complaint narrative:
On Saturday XX/XX/XXXX someone tried to take {$730.00} out of my cashapp account. Cashapp locked my account for my safety os what they said, and to contact cash support. I have contacted cash support all weekend with no response. Monday morning at XXXX XXXX  I received an email from an advocate named XXXX from cash app stating that they apologize for the late response and someone will get right on the problem. Still there was no response after that. So this morning I tried to contact cash support once again to resolve my issue and I received and email stating that my case had been closed for not responding for over a week. Which is not true because it hasnt been a week and I never got anything else from them. Now when I try to email cash support it says I cant contact them at this time and I should try again later. This is very disappointing all I want is for my issue to be resolved and my money back on my card. I told them I would also like to change all my pins/codes and request another card. If someone would help me with this issue it would be greatly appreciated. I work too hard for my money for it to just be locked in an app, with no human rep to speak to about my issue.

Company response to consumer: Closed with explanation