vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
On XX/XX/XXXX i filed for chapt XXXX in RI. All my debt was discharged in XXXX of XXXX. 
A lien was put on my house in XXXX of XXXX sum of {$1900.00}. File no. XXXX. Plaintive - CITIBANK account ending last four XXXX. Plaintiff 's Attorney XXXX XXXX XXXX XXXX. 
I don't remember being properly served and I don't have any paperwork or communication with citibank or their attorney for that time. 
I am currently in the process of refinancing my home. 
The title search discovered the lien. I contacted my attorney about 3 to 4 weeks ago. XXXX XXXX XXXX XXXX who processed my chapt XXXX. 
From what I understand of the conversation between the two attorneys is that Citibank will not release the lien on my home without a payment of aprox {$3600.00} almost double the amount of the original discharged amount. 
I am being extorted in this time of a national emergency and financial crisis. I can not pay the {$3600.00}. that has been discharged and I can not refinance my home with this lean on my home. 
I live in this home year round and need immediate financial relief.

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 2020-04-03 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: LA

Complaint narrative:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

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 2020-04-03 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: LA

Complaint narrative:
attached ftc violations The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which makes it illegal for debt collectors to use abusive, unfair, or deceptive practices when they collect debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I've been sending disputes to Experian since XX/XX/2019 and was only able to get 'notice of disputes ' when I gave up and just disputed online. What most consumers don't know is that we forego certain consumer rights when disputing online. Experian has yet to respond to my certified mail disputes ... its been almost 5 months ... wayyyy over 30 days.

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 2020-04-03 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: AR

Complaint narrative:
Fraudulent accounts currently reporting from the direct result of identity theft, 1.XXXX XXXX XXXX, 2.XXXX XXXX # XXXX, 3.XXXX # XXXX, 4XXXX XXXX  XXXX # XXXX, 5. XXXX  # XXXX, 6XXXX XXXX XXXX # XXXX, 7.XXXX # XXXX, 8. XXXX XXXX XXXX. 
Its been several months now I have been in consistent contact with XXXX consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from XXXX. XXXX has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. XXXX has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and XXXX should be held accountability. XXXX has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and XXXX is liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
This debt was reported on my credit inXX/XX/2017. I do not owe national credit system at all they are stating I owe XXXX. Ive called several times to explain I dont owe the debt this company is very rude they also provide wrong information. Ive been trying to dispute this matter for the past 2 years this company will not budge. But they will send repeated phones to the point I had to change my telephone number. I never received notice that I could dispute this matter from national credit system they kept saying they were going to send documentation that owe this debt and that this was a joint account Im not respond or this account. And Im tired of the harassment I shouldnt have to change my number in order to stop receiving calls from multiple numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Netspend Corporation
State: LA

Complaint narrative:
these guys managed to make the wrong package on all my accounts, also I believe I have refunds in other accounts thye have not credited back

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 2020-04-03 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:
These fraudulent accounts are from the direct result of identity theft. 1.XXXX  XXXX # XXXX, 2. XXXX # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.XXXX  XXXX. 
Its been several months now I have been in consistent contact with Experian consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Experian. Experian has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Experian has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Experian has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Experian is liable.

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 2020-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CT

Complaint narrative:
My Loan was originally held by XXXX XXXX mortgage, and transferred to New Rez. 
During the transfer process there was an overpayment in my real  estate taxes as well as village tax to the town. Starting XX/XX/XXXX I began my inquiry to obtain my refund. I was informed an investigation would take 2 weeks. I have been doing all the steps i was told by the customer service representatives regarding my issue. It has been two months and I have still not received my refund. In addition to not receiving my refund, the error in the overpayment has triggered a deficit in my escrow account causing my monthly payment to increase, and adding more unnecessary funds to my escrow account to satisfy the overpayment error Each time I contact customer service, l am told that i must wait for a call from the tax department to get the status of my refund. It has been over 2 months and i have no refund or call back from lender. Now that Covid-19 pandemic is happening, the mortgage company has been overwhelmed, and Im worried i will not get my money returned or my issues with escrow resolved. My last call was XX/XX/XXXX. I was given the run around regarding my refund and told i have to continue to wait and I must keep paying my mortgage or file for mortgage assistance Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a credit card with Capital One in 2017 when I filed for Bankruptcy. This was a secured credit card with a deposit on file. When I filed for bankruptcy, they closed my account, used the funds in my security deposit to pay off my balance, and sent me a refund for the remainder of my security deposit. This would mean that my account was paid in full. However, for the past 2 years, Capital One has been reporting this to the credit bureaus as discharged in bankruptcy. This is a violation of the FCRA. At worst, this account should be reporting as closed by credit grantor and paid in full. There was no amount on this account that was discharged in bankruptcy.

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

Complaint narrative:
These fraudulent accounts are from the direct result of identity theft. 1XXXX XXXX # XXXX, 2. XXXX  # XXXX, 3. XXXX XXXX XXXX # XXXX, 4.Capital XXXX XXXX XXXX, 5. XXXX  # XXXX,. Its been several months now I have been in consistent contact with Transunion consumer reporting agency in regards to fraudulent accounts appearing on my credit file due to identity theft. In addition to my disputes, I have sent an identity theft report from the Federal Trade Commission which included some of the fraudulent accounts and addresses being reported on my credit file. Since I have yet to received any correspondence or original documentation obligating me to any of the fraudulent accounts in question from Transunion. Transunion has failed to provide 100 % accurate verification as per the Fair Credit Reporting Act sections 605b, 609, and 611. Transunion has also failed to provide a block after being notified within 4 business days by a consumer from being a victim of identity theft. As a consumer my rights have an continued to be violated and Experian should be held accountability. Transunion has not provided as per the Fair The Credit Report and reasonable and fair investigation within 30 days. This is totally unacceptable and is currently having a negative impact on my financial situation. I recently have been denied credit due these inaccuracies and Transunion is liable.

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 2020-04-03 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: OH

Complaint narrative:
Received fraud alert on multiple identity theft monitoring services. Contacted Equifax to try and place a fraud alert and dispute incorrect data in my credit report.and was directed to XXXX website to set up an account to perform the actions listed above. After setting up the account my login credentials that I had just created never worked. I contacted Equifax for support with the problem but they seemed to have no solution other than to reset the password which never worked or to wait anywhere from 30 minutes to 2 weeks and then try again. I asked to escalate the problem with several managers who said they did escalate the problem only to find out on subsequent calls that the problem was never escalated. After a week of being unable to place the fraud alert online I had to place an additional call to Equifax to manually place the fraud alert. I tried to dispute the data manually but was told I couldn't do that. I then called back to the ( XXXX support line and asked to speak to supervisors ( XXXX, XXXX, XXXX, XXXX and XXXX ) all of which disconnected the call with me ( phone went to the company survey prior to hanging up ) at the 30 to 45 minute points in the phone calls. I still have no resolution to the problem, no real time access to my Equifax credit report data and no way to dispute the incorrect data in my credit report. I've spent at least 3 hours on the phone with Equifax with no indication that access to my data will ever be possible. Every time I called into Equifax I was required to provide most of my personnel data to representatives further exposing myself to identity theft by Equifax employees/contractors. I filed a Better Business Bureau complaint against Equifax on XX/XX/ 2020 ( Complaint ID # : XXXX ) and below is the standard answer that Equifax submits every 30 days : Please accept our apology for any inconvenience or frustration this situation has caused. We have referred your concerns to our technical department for review and handling. You will be informed of the results upon completion of their review, however please allow up to 30 days to receive a response.

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

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$30000.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$97.00} XXXX XXXX XXXX {$350.00} XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Harpeth Financial Services, LLC
State: TN

Complaint narrative:
Last week ( XXXX/XXXX/2020 ) Advance Financial took my regular payment plus an additional {$18.00} then tried to charge me {$18.00} more. I went on my account and unauthorized the automatic payments. Yesterday ( XX/XX/2020 ) they attempted to charge me {$17.00} twice ( {$34.00} total ) but not getting anything because I'm poor. This morning, they proceeded to take my last {$10.00} then tried charging an additional {$7.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Collection Services, Inc.
State: CA

Complaint narrative:
I went to XXXX  XXXX XXXX on XX/XX/XXXX, that say I owe a balance of {$830.00}. I do not have that amount of money I am a XXXX  XXXX who got furloughed by their job. I barely received this notice on XX/XX/XXXX. They did however give me 30 days to pay of this debt. I need help I dont know what to Im so young  and I dont want my credit score to drop how am I going to pay this debt if I dont have enough money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have filed three credit disputes with TransUnion in regards to a bankruptcy and associated accounts being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XXXX/XXXX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. TransUnion responded to my last request. The response letter was dated XX/XX/2020. TransUnion stated, " Verified AS ACCURATE ''. However, they did not provide the original documentation bearing my signature as requested or provided their verification method each time I have disputed these inaccuracies.

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 2020-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
XXXX had purchased my loan via XXXX XXXX aka XXXX years prior. In the original letter from XXXX I/we were told to continue payment as usual. I've always paid my mortgage every other week with XXXX. Now that I've continued to do so XXXX continually charges me late fees and I continuously receive notices that my payment is past due. My account is caught up and I am not late nor have I even been late with them. XXXX XXXX has interceded on my behalf before for the same issue. I'm requesting the late fees be removed and for them to update my records. XXXX receives their payment on time and in advance. I am paying them the same way I paid XXXX every other week. Have worked in the accounts payable department with XXXX I'm not understanding why it's difficult for this company to process payments accurately. If I need to forward bank statements from XXXX I will.

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 2020-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: OH

Complaint narrative:
TRIDENT ASSET MANAGEMENT is Debt Parking Unvalidated Debt : TRIDENT ASSET MANAGEMENT is posting information on credit profiles that they have not validated nor had communications with my person before posting such updates on my credit report. The XXXX XXXX  and TRIDENT ASSET MANAGEMENT has in prior posted on my account and has failed to validate debt listed as XXXX XXXX XXXXXXXX XXXX XXXX and was forced to remove the record : On XX/XX/XXXX TRIDENT ASSET MANAGEMENT XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX TRIDENT ASSET MANAGEMENT, Did post on my credit profile a unvalidated on my credit reports Collections without validation Dear, CFPB. I received information from my credit alerts that a company listed as TRIDENT ASSET MANAGEMENT, has placed negative information on my credit profile and is attempting to collect the listed alleged debt. 

Please advised TRIDENT ASSET MANAGEMENT, that I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. The original creditor is listed as Original creditor : XXXX XXXX XXXX  XXXX for which I have no knowledge of any account. I affirm that TRIDENT ASSET MANAGEMENT, is illegally attempting to collect an alleged debt and money that I do not owe. TRIDENT ASSET MANAGEMENT, has not allowed the consumer to validate the debt by providing a debt validate letter by law, and giving the consumer up to 30 days to review the claim and respond. As per the law, TRIDENT ASSET MANAGEMENT, shall cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies. This letter is being provided to the Consumer Financial Protection Bureau ( CFPB ) for full review of this illegal act of posting to my credit profile. The CFPB is authorized to investigate this matter and receive related information. If TRIDENT ASSET MANAGEMENT, fails to remove the entries does not comply with this letter, CFBP See complaint : XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Debt collection ISSUE I may turn the matter over to an attorney. 
Sincerely, XXXX XXXX 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 2020-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: GreenSky, LLC
State: CT

Complaint narrative:
Home improvement loan with GreenSky. Work  completed and XXXX XXXX XXXX submitted bill to GreenSky XXXX week in XXXX. I received 1st bill on XX/XX/2020 listing statement for period ending XX/XX/2020. Loan states no prepayment penalty. I called to verify the loan balance and was told that though the loan was for {$28000.00} my payoff amount is {$28000.00}. How can interest be charged if I am paying off the entire loan with the 1st statement?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation