vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Fidelity National Financial, Inc
State: MI

Complaint narrative:
Complaint against Fidelity National Financial , Inc ( FNF ) XXXX XXXX XXXX XXXX XXXX dba ServiceLink ( various shell corporations ) for fraud and impersonation as " XXXX XXXX '' ; " VA '' and " FEMA '' I am a victim of XXXX XXXX 's criminal enterprise FNF operated by several people who created numerous shell corporations acting under names of XXXX XXXX XXXX XXXX ( former XXXX XXXX XXXX, inc/DocX, LLC ) and ServiceLink which are incorporated by FNF trusted XXXX XXXX XXXX XXXX XXXX lawyer who holds about 724 jobs in various FNF shell corporations ; XXXX XXXX XXXX lawyer who holds about 487 jobs in various FNF shell corporations ; lawyer XXXX XXXX XXXX holds 607 jobs in various FNF shell corporations ; XXXX XXXX XXXX XXXX XXXX XXXX jobs in various FNFshell corporations ; lawyer XXXX XXXX XXXX holds 10 jobs ; XXXX XXXX XXXX 55 jobs ; and XXXX XXXX 607 positions. These six people, all employees of FNF, registered and operate 15 various ServiceLink companies in California alone My entire transaction called " VA Loan '' with alleged " Lender '' XXXX XXXX  was originated and processed by XXXX XXXX 's FNF in California, XXXX where his employees acting as XXXX XXXX ServiceLink posed as FEMA to place me under forced Flood Insurance to cause financial hardship and VA on whose behalf XXXX XXXX XXXX employees sent me various Notices and letter. 

XXXX XXXX 's FNF is also a claim processing agent for First American Title ( FAM ) - who deceptively sell bogus " Title Insurance Policies '' to homeowners via chain of sham conduits like Bell Title- which neither FAM or FNF are not going to adhere. 

On XX/XX/2022 someone sent me flagrantly fake " VA Partial l Claim " and " Modification '' acting as FNF 's ServiceLink in XXXX XXXX XXXX XXXX XXXX Ca. 

I submitted my Complaint with CFPB against ServiceLink demanding explanations and validation of this " VA Partial Claim '' To my surprise, this complaint made a detour to Fidelity National Financial , Inc. before it was purportedly submitted to ServiceLink.

On XXXX XXXX XXXX someone responded me purportedly from ServiceLink with absurd runaround. 

FNF repeatedly said that my Complaint does not belong to them XXXX XXXX and his FNF must explain to me and CFPB why my complain does not belong to them if ALL manipulations with my fake " VA loan '' ; fake FEMA Insurance ; fake " Servicing '' by Caliber and PennyMac ; and fake " Modification '' and " Partial VA Claim '' are all done by XXXX XXXX ; XXXX FNF and its six trusted employees XXXX, XXXX, XXXX, XXXX, and XXXX who send instructions to various XXXX XXXX  via secured messages from secured message which documents they need to send me; under glimpse of " XXXX '' and its " employee '' XXXX XXXX '' who is likely a ficitious name for someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts

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 2022-01-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
I messaged fed loan about the waiver XX/XX/XXXX. Got a message back XXXX asking if still an issue. I replied yes, XX/XX/XXXX they asked for more info to check the account. 
I have not heard back. 
I was given bad info while finishing bachelor and masters about my repay options with PLsF. Guided to the wrong payment plan and never informed I could not defer in school and make a lower payment than the full payment and it would count. 

To make matters worse I never was notified I could consolidate my XXXX and XXXX loans into my direct ( these payment counts would have been higher and I would have been forgiven ). Instead I paid XXXX $ or more in the last year paying it off because navient kept losing my payments until I was paying more than the minimal payment. I have worked in public service my entire career. First as a XXXX  at XXXX XXXX  since XXXX. Then as an XXXX at XXXX XXXX  until a year ago when I switched to XXXX  as it was closer to home. 

Had the waiver information been well disseminated I would have XXXX $ in my retirement fund and have started my kids 501 accounts. It is my sincere hope there is something that can be done to either count the payments paid towards my total and my more than 10 years of public service and at least forgive the remaining XXXX. Would have been XXXX had I choose not to pay extra in hopes of freedom at some point that is now to My own determinet. The hold time to talk to someone at Fedloan is not realistic with small kids and a career in the hospital during Covid abs no one responds via messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Comenity Bank responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 Comenity Bank continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND Comenity Bank to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: DC

Complaint narrative:
Applied for a loan with Loan Depot in fall 2021. Was charged an appraisal fee for the loan. Appraisal never took place, loan was declined. For at least the past month I have attempted to have the charge returned, it was approved two weeks ago and still no return of the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX  responded with in accurate information also up dates my the account on my consumer report After submitted, responded sent emails, Ive made phone call to them for the last three weeks I spoke with several agents & was giving different information on the account each time! At this point their VIOLATING my federal protected consumer rights according to the Fair Debt collections Practice Act 15 usc 808 XXXX XXXX continue to use UNFAIR PRATICE ACT following 15 usc 1692d ( 1 ), ( 3 ) as well as 15 usc 1692 ( e ) Pursuant to 15 usc 1692 K 813 Following 15 usc 1635 I again DEMAND XXXXXXXX XXXX to zero out this account & remove any & all details off my consumer report As well as refund any & all payment ever made upon this account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Good morning, My issue is with the company Capital One. I closed my account back around 4 months ago. I had missed one payment, my payments went up astronomically. So I closed my account and continued to send in my minimum payment, as that was all I could afford. I noticed on my statement they were still charging late fees and interest for purchases! The account is closed. Ive suffered financial hardship, explained that to two customer service representatives. They are making it VERY to pay off a balance! My monthly payment for XXXX is {$64.00} but the have added {$40.00} in interest on purchases. This is horrible! My credit has always been in good standing! I expressed that I was a contractor and had lost my position and they simply dont care! The account is closed! Someone please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX Bank Used : PNC I received an insurance check for a claim I had on my house in XXXX. I attempted to deposit it once and I did not know my mortgage company was supposed to sign it as well. That was 100 % my fault. Once I received my check back in the mail from PNC I could no longer get my mortgage to sign off on it. In that little time in-between my mortgage was sold off to another bank to service. I requested the insurance company reissue my check with my name and the new mortgage company name on it so I could deposit it. I received my new check in the mail and took it directly to my new bank that held my mortgage. It took them about a week and they got clearance to sign off on it. They marked it with all the appropriate signatures and wording as instructed by their superiors. I took it to a teller at XXXX branch in XXXX XXXX and they said it looked good and it was deposited into my account. Less than a week later I pulled up my account and all my accounts showed {$0.00} and they were frozen. I called the XXXX XXXX XXXX in XXXX XXXX and I was working with XXXX. She moved it along the process to figure out why my accounts were frozen. She was working with loss prevention and was told my account was flagged for fraud. I've been with this bank for XXXX plus years at this point in my life. XXXX said loss prevention asked if my new mortgage company ( XXXX ) could write a letter stating the insurance check wouldn't be returned and the teller who signed it had permission. The banker at XXXX Im working with was kind enough to 3 way call XXXX and I to get this sorted out. XXXX at XXXX asked XXXX what bank was the insurance check from. XXXX checked and it was XXXX XXXX. XXXX asked how can we guarantee a check not be returns when it isn't our check. We just signed it. Then she asked if the teller who signed it had permission and she said yes they Are under our permit. Not sure what that means. XXXX forwarded that information to loss prevention and they haven't done anything with it. This is going on a week and a half. I've already had 1 bill be returned and charged {$20.00} return fee. My payroll check was supposed to be deposited today and I can't get to the funds even if I wanted to. My house payment is scheduled to come out of the PNC account and I have to call them and tell them to stop it. I'm fine with waiting on the insurance check, but why did they have to lock my main account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: American Credit Acceptance, LLC
State: PA

Complaint narrative:
Attached letters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Attached letters

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 2022-01-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
We have received a Tax statement from County that taxes are not paid for XXXX. I have sent the tax statement on XX/XX/XXXX to Pennymac and they have not responded to my emails or phone calls. Called Customer Service for about XXXX times and it just sits on queue forever. No person to talk to. I have requested a call back and no one responds. 

I have sent emails dated XXXX. 

I would like to know the proof of any payments made and also have them contact the County and sort this out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28 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: AR

Complaint narrative:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : 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 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 2022-01-28 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: SC

Complaint narrative:
XXXX, {$990.00} -EXPERIAN , I have pulled my credit report from Identity IQ. XXXX XXXX is reporting inaccurate information on my Experain credit report. 

1. ) Date Opened is inaccurate compared to XXXX XXXX. ) High Credit is inaccurate compared to XXXX XXXX. ) This account is a collection/charged off. Therefore it should not report a PAST DUE AMOUNT. 
3. ) Date Last Active is inaccurate compared to XXXX The Fair credit reporting act states that a furnisher SHALL NOT report inaccurate information to ANY consumer reporting agency. Refer to 15 U.S code 1681s-2. Delete this account for reporting inaccurate information

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 2022-01-28 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: CITIBANK, N.A.
State: MD

Complaint narrative:
LAst spring ( 2021 ) i went into the XXXX XXXX MD Best Buy to purchase XXXX TV 's for my new XXXX XXXX  condo i was furnishing. Time was important since I wanted to rent the condo immediately and it had to have TV 's. 
I also had Best Buy agree to install them. 
The man who helped me got me to pay with both my debit card and a credit card he asked me to apply for. 
He said BB would contact me shortly to arrange day and time for the install. 
Unfortunately, when i spoke to the delivery dept. in XXXX XXXX  they said they could not deliver the TV 's for several weeks. 
That was much too late so i told them to cancel my order. 
I also went to the XXXX XXXX store to ensure they canceled my order and refunded my money. 
They assured me they would. 
Instead, i have been receiving bills and threats ever since from Citibank ( Best Buy 's bank ) demanding payment on my credit card for TV 's i never received! 
I asked several times to speak with a manager at Citibank but they always refuse.

I have tried to contact the district manager of Best Buy but he never returns calls or e-mails.

Citibank has now begun reporting me to credit agencies as delinquent on payments for goods i never received and for an order i canceled immediately.

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 2022-01-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: MI

Complaint narrative:
I have never had a personal XXXX phone account, only a business account XXXX is no longer a cellphone business, I am being harrassed regarding debt that is not my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On XX/XX/2022, my identity protection service notified me that there had been a credit inquiry from Capital One where I do not have an account and never applied for a credit card. I called Capital One to inform them of this. 

On XX/XX/2022, I received a Capital One Credit Card in the mail. This was not a credit card offer but a genuine card with directions to call for activation. I called Capital One again that same day and after being redirected a number of times, I was finally put in contact with their fraud department and was told that they would do an investigation. I have not heard back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-28 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: FL

Complaint narrative:
Upon checking my report I noticed a collection from XXXX, Ive never done business with this company or entered into a written contract with this company. This account is fraudulent. 

Please see attached Ftc!! Please dont respond back saying you cant read upload ftc 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 2022-01-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: CA

Complaint narrative:
Purchased a card and loaded it with {$500.00}. Was never able to access funds I loaded when I purchased the card. I was told my identity couldnt be verified even after I provided all information and documentation requested. Netspend advertises that you can use the card immediately following purchase.

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 2022-01-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc
State: GA

Complaint narrative:
I received a text and email from a company called Chime. I received notification that XXXX open an account in my name. I did not open this account and never heard of Chime. I called them and spoke to customer service agent and told of the issue and I sent email to their fraud department. I was assured it was being taken care of that day. Well today I received notification a card had been delivered. Ive ne et received a card and dont want it. Please help stop this issue. Thank you.

Company response to consumer: Closed with explanation