vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
please remove fraudulent accounts department of education/ XXXX opened XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX transunion is only company with this error ill submit XXXX  screenshot showing nothing from dept of education

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: OR

Complaint narrative:
XXXX XXXX has failed to respond to my previous letter requesting proper validation of an alleged debt the company claims that I owe. Not only has XXXX XXXX ignored my letter, but they continue to report this erroneous item as correct on my XXXX, XXXX  and XXXX  report. To make matters worse, on XX/XX/2020 I received a letter from Convergent Outsourcing , Inc. in regards to the same deceitful XXXX XXXX debt. Not only does XXXX XXXX continue to falsely report this item as an active collection on my XXXX, XXXX  and XXXX  reports, but now a collection agency is attempting to collect from me on the same debt. Per the FDCPA, this nonsense is highly illegal, and Im now entitled to pursue litigation with both XXXX XXXX and Convergent Outsourcing, Inc. if this false XXXX XXXX debt is not removed from my XXXX, XXXX  and XXXX report 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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
Shellpoint is my mortgage company and in XXXX I received a letter advising that they needed an updated HOA insurance policy from my Condo Association Board. I contacted the Assoication and that same day ( XX/XX/2020 ) they faxed the HOA insurance page to Shellpoint and emailed me a copy of the successful fax cover sheet. On XXXX XXXX I received a letter from Shellpoint advising me they did not received the HOA info. I called Shellpoint and spoke to a representative who advised me they did not receive the fax and to resubmit which I did via email. The end of XXXX I received another letter from Shellpoint stating they still did not receive the document. I called again and was advised to upload the docment directly into the Insurance dept. website, which I did. Today I received a letter from Shellpoint advising that effective immediately I was being charged {$1400.00} for the month of XXXX for lack of insurance coverage! I went onto the Shellpoint site to stop my auto payments until this is resolved & Shellpoint would not allow me to remove my bank information! I called Shellpoint Insur. Dept. and was asked to leave my phone number and  they would return my call, I never received a call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OR

Complaint narrative:
I am on an in-school deferment currently, with a portfolio of unsubsidized loans, and I called my loan servicer Nelnet recently to make a payment on my interest, intending to pay that on a monthly basis in order to offset the amount that will be capitalized at the end of my deferral. The guy I talked to was adamant that it would be a waste of my money to pay the interest because he said the moment before it capitalizes when I finish school and end the in-school deferment, the federal government will pay that interest amount. I told him I have an unsubsidized loan, and he said it didn't matter, that the interest accrued while I'm in school would get paid, in the servicer 's words, " just before it capitalizes. '' It is my understanding that the interest on subsidized loans will be paid by XXXX, but not that on unsubsidized loans. He is either ignorant of that, or intentionally misleading me. I think it is also important to state that this individual was extremely rude and patronizing throughout our conversation, and simply refused to be helpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: NE

Complaint narrative:
On XX/XX/XXXX I received a letter from Citibank dated XX/XX/XXXX that the dispute about the charges made on the card was closed and the charges totaling {$14000.00} will be rebilled to my account. Here is the copy of the letter I sent to Citibank on XX/XX/XXXX by certified mail. 

Citibank N.A. 
XXXX XXXX XXXX. XXXX  XXXX XXXX XXXX, SD XXXX RE : Citi Card Account : xxxx To Whom It May Concern : I am writing to request you to reopen the investigation into my dispute with my AAdvantage Citicard Account Ending xxxx. 
I state that I have not provided the merchant with my account information and that my credit card information was fraudulently used at the merchant ( XXXX XXXX ) location in XXXX, South Carolina. 
This is a case of identity theft that has been perpetrated by individuals with the intent of stealing from the merchant using my identity. I am not responsible for these charges by criminals using my identity. 
As you will note from my record and profile with Citibank, I reside at XXXX, Nebraska and have lived at my current residence since XX/XX/XXXX. I am an employee of XXXX XXXX XXXX in XXXX. 
I was in XXXX, XXXX  XX/XX/XXXX on the day of the fraudulent transactions using my identity. I have not been a member of XXXX XXXX for several years, since XXXX. 
On XX/XX/XXXX my XXXX phone was fraudulently ported to another carrier which I reported to XXXX immediately on the night of XX/XX/XXXX. 
I was assigned a temporary phone number by XXXX, which was also fraudulently ported and XXXX issued another temporary number. It was several days before I received my original number xxxx after placing a porting freeze. 
I then received a letter from Citibank regarding the fraudulent transactions using ID theft at the merchant. I called Citibank immediately after receiving this letter and reported that I had not made these transactions. 
A dispute investigation was opened and Citibank issued a replacement card ending xxxx in place of card ending xxxx. 
Records will indicate that I have not used this card for several months. 
My credit score is above 800 as reported by three consumer reporting agencies. 
Please reopen this dispute investigation into this fraudulent use of my identity for criminal activity at the merchant. I will be happy to provide any information that would assist with this investigation.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
I had disabled autopay for a time and paid manually. I restarted autopay two months ago only to get an alert that I was charged a fee last month. I re-enabled autopay and set up a payment before calling in and having the fee reversed. Today I got another fee notification and logged to find that autopay was disabled. I made a payment and called in again, they refused to reverse the late fee and claimed that autopay has not been re-enabled since the first time it was disabled.

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 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Netspend Corporation
State: TX

Complaint narrative:
hi my name is XXXX XXXX on XX/XX/2020 ace flare closed my account with out prior notice they cancel my account soon as i got a direct Deposit from ssi and from my employer and now i cant pay my rent they said they was going to mail a check and never did she waiting on them to do so call them alot of and still did not get no where they closed my account for no reason 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 2020-03-04 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:
Over the past several months I have been going back and forth with all three of the major consumer reporting agencies through direct mail and via phone regarding items appearing on my credit file. I have sent dispute letters along with other correspondence in regards to my identity being compromised which ultimately has lead to fraudulent accounts being created under my name. It has been over 30 days of my most recent dispute which included an identity theft report from the Federal Trade Commission. The FTC Report included some of the accounts in question due to being established through identity theft. I also requested that several fraudulent addresses or other personal information to be removed from my credit file which neither has been updated. I am aware the Credit Bureaus have 30 Days to investigate and most remove disputed fraudulent items if accurate verification can not be completed. At this point my consumer rights have been violated under the Fair Credit Reporting Act Section 605b, 609, and 611 and Experian has not provided me with any type of documentation supporting anything. I am also aware of the automated data furnisher or e-Oscar verification pacer system which is not considered accurate verification when it comes to identity theft.

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 2020-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
After losing my job in 2010, I applied to my mortgage holder Bank of America for a modification of my existing mortgage. After months of applications, I finally received a letter from BOA denying my modification because, to my surprise, I was informed, by BOA, in writing, that my mortgage was paid in full. 
Naturally, I immediately called their Customer Service Department and was given the run around that denied the validity of the letter they sent me. However, they refused to send me a letter in writing denying the letter 's validity. I have been informed in the past that when financial institutions make similar 'mistakes ', the institutions themselves are responsible and must suffer the loss.

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 2020-03-04 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: CA

Complaint narrative:
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018

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 2020-03-04 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I sent a letter to each of the three credit bureaus ( XXXX, XXXX, and TranUnion ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.

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 2020-03-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I sent a letter to each of the three credit bureaus ( XXXX, Equifax, and XXXX ) via certified letter my concern that inaccurate information was being reported on my credit report and that I would like it changed. Each bureau has failed to change the information so that it is correctly reflected on my credit report as you will see ( attached credit report ). This inaccurate reporting of information is against the law according to the Fair Credit Reporting Act and should be changed or removed immediately from my credit report. Also, this inaccurate reporting of information is hindering by ability to get the appropriate credit for housing for myself, my wife, and our XXXX  children! Further, this lack of accurate reporting is limiting my ability to seek and obtain employment in my chosen field. I hope at the end of your investigation we are able to get these ongoing inaccuracies remediated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Santander Consumer USA Holdings Inc.
State: HI

Complaint narrative:
I paid off my Auto Loan ( including overage ) with Gateway One Lending on XX/XX/2020. Gateway One indicated they would have the over-pay amount ( approximately {$1300.00} ) returned to me in 30 business days or less. Gateway One was purchased by Santader Bank in the interim and as of today XX/XX/2020 I still have not been refunded my over-pay amount for the vehicle. Due to the company take-over Gateway One customer service is no longer available for contact and all calls are forwarded directly to Santander Bank. I have spoken to representatives at Santander Bank 3 times with ZERO indication of when or even if my over-pay balance will be returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I am a victim of identity theft and in 2019 I requested that Equifax block certain information on my credit report in accordance with the FCRA - they complied. However, Now I have a code on my credit file status " Fraud Victim ( associated with trade ) ''. This is not an initial fraud or extended fraud alert. It is something else and I will attach my report to show you. 
This Credit File Status makes it impossible for me to even get a a bank account. My report does not list any normal fraud alerts just this odd status.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been a Capital One Customer for over 16 years. Over 16 years, I have never made a late payment and have been a loyal customer. I have requested several credit line increase requests. However, Capital One has purposefully used 60 to 90 day old credit bureau information to deny my requests ( see the attached screen shots ). I have called Capital One and was told they don't care and can't do anything about it. I made requests on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ( see attached screen shots ). Each time, Capital One used credit bureau information from XX/XX/XXXX ( 60-90 day old info ). My credit score was 100+ points higher on the dates of the credit line increase requests. However, Capital One purposefully used old information to deny my requests. 

I made another Credit line increase request on XX/XX/XXXX. Capital One declined my request this time and claimed a " payment was recently returned ''. I have been a loyal customer for 16 years. Furthermore, Capital One claims the payment I made was returned because the payment was made using a checking account with an incorrect account number. I have made 50 or more payments to Capital One in the past 12 months and have never had a payment returned. 

Capital One is discriminating against me for some reason and purposefully using old credit bureau information to deny requests and trumped up reasons of a " payment returned ''. Capital One is a horrible company for treating a 16+ years customer this way. Horrible, Horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018

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 2020-03-04 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: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
please remove fraudulent accounts XXXX XXXX opened XX/XX/2018 XX/XX/2018

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 2020-03-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the FCRA I demand that XXXX XXXX provide proof of the total debt owed and proof that this item belongs to me. I have requested this information from XXXX XXXX for years and they have failed to provide documented proof that this item belongs to me. In accordance with federal law if XXXX XXXX can not provide proof that this debt is owed by me it must be removed. If the XXXX XXXX does not provide proof I will file legal action against them and any agencies still reporting this debt inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04 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: CA

Complaint narrative:
Today XX/XX/2020 I found out that there are three unauthorized accounts appearing on my credit report. The way I found out was because I applied for a credit card at XXXX XXXX XXXX and I was told that they could not approve me because of these accounts. The accounts are from XXXX XXXX XXXX and two from XXXX XXXX. None of these accounts belong to me ; I did not open them and I did not give anyone else permission to open them on my behalf. There is also this address XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX on my credit report that I never lived at. I did not benefit anything from these accounts such as money, goods, services, goods or any other benefit and I did not make any payments towards those accounts. I also filed a police report regarding these accounts and address.

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