vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-22 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:
XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS NOT MY ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I dont know who this company is or what this is for

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 2020-01-22 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: FL

Complaint narrative:
XXXX/XXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX  THIS OS 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 2020-01-22 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: FL

Complaint narrative:
XXXXXXXX is reporting that I owe {$440.00} on my credit reports. I HAVE NEVER RECEIVED ON BROUGHT ANY ITEMS FROM XXXX/XXXX THIS OS 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 2020-01-22 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:
I looked in to my credit report and notice that a company called XXXX XXXX XXXX XXXX is reporting missed payments I do not know the company and ask for Experian to verify company but there lack of effort in to looking in to the matter was pointless due to them hitting a button saying verify when they have yet to show proof of documents to me at all

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 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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 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 2020-01-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I made a payment of {$1500.00} on XXXX XX/XX/2020 that I requested to be paid only toward a specific loan with the expectation to reduce the principal of only that loan. I noticed that Navient ( who handles my loans ) incorrectly split the payment towards two different loans that I have with them. I spoke to a Navient call center representative earlier this month and I was told that they would allocate payment ( s ) toward the principal of the loan I request once any unpaid interest is paid off, however that is not what Navient did with my request. I have read on the internet in several different news websites that Navient has malpractices for loan processing and the CFPB has been involved so I thought I would file a complaint here first for assistance. I am hoping for correction of this error as one of millions of people relying on the honesty of loan companies during the tedious process of paying back loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
To whom it may concern, The file was originally submitted to Shellpoint mortgage back on XX/XX/XXXX and deemed complete and with underwriting pending a decision as of XX/XX/XXXX. The 10 day delay was due to waiting on the appraisal of the home ordered by the servicer. On XX/XX/XXXX the file was denied due to debt to income ratio but per my conversation with the assigned SPOC on the file XXXX XXXX the denial was so vague we submitted an escalation of the file to someone higher to get more information from the investor. We did not receive a response from the investor until XX/XX/XXXX in which they stated the following. The servicer used limited expenses not all of them were used in the review and the payment would have increased to XXXX a month if it was approved but it was denied due to NPV not income or DTI and stated they declined it after they looked at the fact there was a small amount of equity and also the amount of delinquency and the length of the delinquency. We requested at this time a payoff on XX/XX/XXXX and one was ordered because there was also a huge discrepancy in the amount owed by the client and per the SPOC they were charging the client future interest at the time of default. We did not receive the payoff until XX/XX/XXXX and once we were in possession of this document we requested a copy of the mortgage note XX/XX/XXXX as well to confirm the investor was allowed per that agreement to charge interest on the loan the way they were and not the way it was agreed upon. We did not receive the note until XX/XX/XXXX and after reading the note it is evident that they are not adhering to the terms of the loan according and secondly per CFPB guidelines everyone is entitled to one modification for the life of the loan. WE have more than one mortgage statement which reflects different balances as the default amounts are significantly different and also brought this to the attention of the servicer the balances needed to be fixed immediately as this would drastically effect the outcome of any modifications that could be offered at this time. There has been nothing but constant delays and handling of this file from the very beginning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XX/XX/2019 walmart rewards credit card was taken over by capital one from XXXX XXXX. XX/XX/2019 I mailed a check totally {$180.00} to Capital One per the credit card statement I got in the mail. On XX/XX/2019 the check cleared my account as an automatic debit, then 2 days later on XX/XX/XXXX Capital One stated the amount was returned to my account due to insufficient funds. On XXXX XXXX stated the process of contacting Capital One due to Capital One charging me late fees and then in order to get my account in ok standings I had to pay double the minimum payment and was charged incorrect interest, since this time I have spoken to 25 different people at Capital One. XXXX, XXXX, and now XXXX from the Financial Resolutions Center Senior Account Specilist have contacted my bank with me on a speaker call and the bank has verified the account was never negative and the total of {$180.00} was taken from my account and never returned. No matter who I talk to no one can help me they tell me someone else needs to fix it. I have also stopped receiving the calls set up by the reps. XXXX has told me she can credit my account but will not do it due to needing to locate the money. I have contact the XXXX and they have not gotten a response from Capital One. I have spent countless hours trying to just get to the same person I last spoke to on the issue and cant ever get to that person. For an upper account rep to tell me they can credit but will not is extremely unprofessional to me. Capital One requested a copy of my check which I cant provide to them due to the automatic debit that was taken from my account. They are not accepting my bank statement that clearly shows it was aken out of my account and no insufficient funds charge. This was asked of me after I wss told by XXXX and XXXX they will not accept a paper copy of my statements, they stated they do not accept that form of verification yet now I'm being asked to provide this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
BEING A VICITM OF AN IDENTITY THEFT REPORT MEANS SOMEONE HAS ALL YOUR PERSONAL INFORMATION EASLY CAN PRETEND TO BE YOU. THE PERSON WHO STOLE MY IDENTITY NOT ONLY OPENED FEW CREDIT CARDS HE ALSO HAD OPENED A CHECKING ACCOUNT WITH A BIG FINANCIAL INSTITUTION AND HE OR SHE MAINTAINED THE CREDIT CARDS THROUGH THAT FRAUDULENT ACCOUNT. I TAKE PRIDE IN MY CREDIT REPOT AND I HAVE BEEN TRYING TO FIX MY PROBLEM AND FINALLY REMOVE THE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT. THE CHARGES ON THE CREDIT CARDS ARE NOT MADE BY ME, THE PAYMENTS THAT WERE MADE ON THE FRAUDULENT ACCOUNTS WERE NOT DONE BY ME. AS SOON AS I FOUND OUT ABOUT THIS THE ACCOUNT WAS CLOSED I HAVE GONE TO THE POLICE AND I HAVE FILED NUMEROUS IDENTITY THEFT REPORTS. I LIVE IN AN APARTMENT COMPLEX AND EVEN OUR MAILBOX WAS BROKEN INTO FEW TIMES NOT JUST MINE THE ENTIRE BUILDINGS MAILBOX. BEING A VICTIM IS DIFFICULT AND HARD TO DEAL WITH BECAUSE YOU DON'T KNOW WHAT THE PRDOR IS CAPABLE OF DOING, AND THEN TO DEAL WITH THIS FOR ALMOST ONE YEAR IS CRAZY AND UNFAIR. AND TO THINK THAT SOME ONE SITTING IN THEIR NICE OFFICE, WHO PROBABLE HAS NOT EXPERIENCED WHAT I HAVE HAS NOT HAD THE HEADACHE CAN JUST ASSUME THAT AND TEL ME THAT BECAUSE YOUR ACCOUNT WAS MAINTAINED FROM MY CHECKING ACCOUNT THIS AND THE OTHER. WELL I WOULD TELL THEM PLEASE PUT THEM SELVES IN THE SHOES OF THE VICTIM.

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 2020-01-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I've asked them to not call relatives about the debt collection. They continue to call relatives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Franklin Collection Service, Inc.
State: FL

Complaint narrative:
Around XX/XX/XXXX I moved into a new place and needed internet service. I chose XXXX as my provider. The technician came and set everything up, however, I immediately started having problems with the internet - it was going in and out every few minutes. I contacted XXXX, they couldn't fix the problem over the phone, so they sent another technician. The technician couldn't find any problems, so he recommended I raise my internet speed and that would fix the problem. I called XXXX   and increased my internet speed, which would also increase my future bills. XXXX   customer service rep told me to give it some time and that it should work. After giving it a week or so, I realized that internet service was not better, the internet connection was still in and out every few minutes. Since I am required to have internet for work and XXXX could not help me, I decided to switch providers. I was assured this would not be an issue, since new customers have a one month to try XXXX free of charge and switch to another provider. When I called XXXX to cancel my service, I specifically asked if i owed them anything and was assured that there would be no bill/no charge, since I was cancelling within a month. I was also told to ignore any bills that might come in for a month I had the service, that they were already generated before I cancelled the service. I did receive on bill that but ignored it as instructed. To my surprise, XXXX reported this amount to a collection agency. I called collection agency, explained what was going on and they were going to look into it. I do not believe I received any further information from them. 
This is a small amount to argue about, however it is not okay to fool customers telling them they have a month to try their service with no penalty, especially since I wanted XXXX but they could not figure out why my internet was breaking. It is not okay to be told nothing was owed and then charge entire month of service which I couldn't even use. This is the reason why I have not paid this collection amount, as I am sure there are other customers out there who are/were in the same situation and who were taken advantage of. This is why I am disputing and reporting the problem here. Thank you. 
Date of service : around XX/XX/XXXX Date reported : XX/XX/XXXX Amount : {$120.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Municipal Collections of America Inc.
State: IA

Complaint narrative:
I received a letter from a company calling itself " Municipal Collections of America '' or " MCOA ''. They claim to be working for the city of XXXX to collect a debt of about {$200.00} on behalf of the city. However, there is no outstanding debt owed to the city as all our bills are current and we only receive electronic statements. They also mention several times on the letter how to pay and to share your credit card information with them in the mail. My hope is that these people will be shut down so no one will be taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This company XXXX XXXX XXXX XXXX XXXX ) advised me I would be able to break my lease without penalty. They submitted false documents with the incorrect move out date, false apartment damages, and it has wrongfully affected my credit. 
I was told I would be able to pay an extra month and would not get my deposit back due to me breaking my lease. The apartment 's corporate office will not return phone calls after about 6 months of calls/voicemails. When I contact the apartment complex the manager response to my concerns by saying " I could tell you something but the computer will do other options ''. I moved out XX/XX/2018 and never received any notice until XX/XX/2018, which was a collection notice from a law firm. 
This is not fair to me and wrongfully affects my credit. I would like for this to removed from my collections. 
There is an influx of fraud from apartment complexes going on in XXXX now. I do not want to be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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 XXXX  XXXX XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hi I have have contacted the bureaus for them to correct this mistake.i have so many inquiries that was not authorized by me. Could you please correct this the customer service was so rude and they did not try to help me or get me a supervisor here is the list of inquiries that needs to be removed 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 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 non-monetary relief
Consumer complaint received 2020-01-22 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: MS

Complaint narrative:
Credit reporting agencies are reporting information that belong to someone else.

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 2020-01-22 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:
I have been trying to access my credit score/report from Equifax since XX/XX/2018 when my husband and I were trying to buy a house. I had never requested my credit score from equifax specifically, so I never knew that there was an issue, but my husband and I were almost unable to go through with the home loan because my lender was unable to pull anything from Equifax. However, I have active, accessible credit files with XXXX and XXXX. At the time, I contacted Equifax several times by phone to try and determine what the issue was but they kept giving me different answers, such as " we do not have a file for you, '' " there is a discrepancy on your name, '' and " we can not give you any information at this time. '' I also tried to create an account on Equifax 's website, but I kept receiving an error code which I shared with the Equifax representative and they recommended that I try sending a letter to Equifax with copies of my social security card, photo id, and a cover letter explaining the situation, that there was a discrepancy on my name. A month later I received a response back from Equifax saying that they did not have a file for me. After buying our house, I tried to let some time pass, because I knew for sure that our lender reported to Equifax as well as the other lenders, and I wanted to see if that would make a difference. However, it has been over a year since we bought the house and I still can not access my credit report from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-22 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: MS

Complaint narrative:
Credit reporting agencies are reporting information that belong to someone else.

Company response to consumer: Closed with non-monetary relief