vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO

Complaint narrative:
I received a letter from the IRS requesting my tax information from 2018. I called Lakeview LoanXXXX  several times and never got a live person on the phone to assist in getting my annual tax and interest statement. I sent a letter requesting the information to the below address and I received no response. The phone number is automated and if you don't have an active loan you can not get a live person. 
Lakeview Loan Servicing ATTN : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX  XXXX, Virginia 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 2021-03-03 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 — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
I was laid off in XXXX due to covid 19 and i am on unemployment, my wife is working but doesn't make enough to pay the mortgage payment. both my unemployment and her pay is not enough to pay my mortgage. we requested forbearance but mortgage company rejected and asked to make 3 months payment or they will foreclose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
my name is XXXX XXXX during Covid I was there out of work for three months once I went back to work I paid all my American Express his cards in full they restored one card but will not delete the lates on my credit this is causing me not to be able to buy a home for my family Ive asked American Xpress due to Covid to do a courtesy delete and I can take care of my family they are not budging anything I can do this is frustrating

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit 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 explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: TX

Complaint narrative:
Obtained a title loan on my vehicle in 2020 when I found myself in a tight financial position. My situation deteriorated and, ultimately, the vehicle was repossessed I contacted the lender several times after they took the vehicle to work out a resolution and possible get the vehicle back. No one would return my call and was even told on one call that if there was a surplus after the vehicle was sold I " might '' get it unless " we decide to give it to someone else '' ( her exact words ). Several personal items were in the vehicle and was not given an opportunity to retrieve them before they sold the vehicle at auction. 

A few weeks after they took the vehicle and no return calls to work something out I received a letter in the mail from the lender ( which I am now unable to find ) stating that there was a surplus left and I was going to be getting approximately {$1800.00} +- back and to contact them. When I contacted them, I believe in XXXX of last year ( 2020 ), they stated it would take them 90-120 days to process the refund check to me. I've been a lender and have not heard of it taking that long to get the surplus funds to a borrower. 

As of today, XX/XX/XXXX, I have not received anything from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Io, Inc.
State: PA

Complaint narrative:
Received a notice from debt collection agency on XX/XX/XXXX, XXXX which was dated XX/XX/2020. I immediately responded to the notice requesting validation of the debt, for which I have documentation they received on XX/XX/2020. I did not receive a response and on XX/XX/2020 I ran my credit report and discovered that on XX/XX/2020 the debt collector had reported this item on my credit report ( s ) although they had received a letter to validate the debt prior to this reporting which they had failed to respond too. i disputed this with the credit bureaus for which they had reported explaining the no response to the validation of debt letter. XXXX immediately removed this account from my report. At this point XXXX had not yet received their dispute in the mail. In XXXX, I received a letter from the collection agency dated XX/XX/2020 stating that although they had no obligation to do so that they were providing the validation of the debt. Which was not a complete method od verification. They provided a typed letter of the amount they claimed to be owed by the dispute supervisor, as well as a bill ledger, They did not provide a document bearing my signature, the contract between them and the original creditor, their license to do business in my state, or proof the debt owed is within statue of limitations for my state. At this point XXXX states that the account was verified by the collection to be correct and has it to remain on my credit report. This should have never been placed on my credit report as I made contact with this agency prior to and they did not provide validation of this debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TX

Complaint narrative:
I have tried to contact equifax several times, and have verified my identity several times and been on hold several times, its been 6 months and Im still not able to logon to there website to dispute my credit report with equifax, I have faxed information to them, called, have been transferred several times and still no luck They gave me a ticket number but no luck XXXX Equifax customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is regarding a Citibank credit card. I routinely schedule my payment for the day before the due date and have been doing so for years. I schedule the payment as soon as I receive the bill, weeks before it is due. Citibank suddenly charged me a {$29.00} late fee, despite their online system showing a credit ( for the scheduled payment ) the day prior to the due date. When I called to complain, I was told that the payment wasn't credited until two days after the scheduled date, despite the fact that Citicard showed a the credit on the day prior to the due date. This seems like a fraudulent way to charge fees to customers.

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 2021-03-03 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 — Investigation took more than 30 days
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 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: Source Receivables Management LLC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit 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 explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
i currently have a credit card with XXXX XXXX, the card is the XXXX credit card and the credit line is XXXX. This information is missing from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates purchased an account from XXXX XXXX  in XX/XX/XXXX in reference to a balance of {$1000.00}. Portfolio Recovery Associates stated they sent me correspondence to an address in XXXX AZ. I do not reside in XXXX, AZ and reside in XXXX, AZ. They also stated that I received care at XXXX XXXX in XXXX, AZ and my dental office is in XXXX. They further indicated the name on the account was to a XXXX XXXX XXXX and that I was a co-signer.. As far as I can recall I never signed any documentation as a co-signer and Portfolio Recovery Associates can not verify if I signed the application. I called XXXX XXXX  they do not show my social security on any account for XXXX XXXX. I therefor request to have my credit report be corrected unless they can prove I am responsible for that account..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX Citibank closed my savings account with a balance of {$7200.00} due to not receiving a signature card ( which I had never received or told I needed to submit ). I only received a notice in the mail, even though I opted for all electronic notices. On XX/XX/XXXX I found out my savings account had been closed, and only realized this because I attempted to log into my account. I spoke with a customer service representative who told me that they did not know why my account had been closed and refused to help me further. I was told I should have received a check with the balance of my savings account ; however, this check never came. I have been in contact with Citibank since to receive this check, but they refuse to send it to me. I called XXXX times between XX/XX/XXXX and XX/XX/XXXX and was told that a check was sent to me each time. I called again in XX/XX/XXXX and was told that no one had ever sent a check to me and that they would not send me a check, I was told I would have to go to an in-person branch to receive the balance of my savings account. I contacted them again in XX/XX/XXXX and was told they would send me a check, and that it would arrive on XX/XX/XXXX. No check has arrived, and on XX/XX/XXXX I received a letter in the mail saying that the sending of my check was " under review ''. I have not heard anything since. There is not a Citibank branch in my area ( XXXX, TX XXXX and they are asking me to travel in the middle of a pandemic and can not guarantee that if I do travel to a Citibank branch that I will be able to receive my check there either. I just want the balance of my savings account so I can invest it elsewhere. They also told me that there was no way for them to see if the " initial check '' had arrived and been cashed, which I know is false as I have worked as an accountant and have many family members who are 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 2021-03-03 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: TN

Complaint narrative:
I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, XXXX AND EXPERIAN REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.

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 2021-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson capital/XXXX calls everyday and demands payment. I have told them that there is no money left to pay anything else they said they would send to legal to sue me. this started XX/XX/2021 in the amount of over {$1000.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: NV

Complaint narrative:
On XX/XX/2020 I reserved a room athe the XXXX  XXXX XXXX and XXXX XXXX XXXX XXXX CT XXXX XXXX NV US from XX/XX/XXXX to XX/XX/XXXX 3 nights. My discover card was charged XXXX on XXXX  XXXX and although the was a non refundable note there was also I a Refund policy due to Covid. I checked in on XX/XX/XXXX and stayed 1 night. I was in fear of the Covid out break so I requested to check out and the front desk agent assured me that my card would be refunded. I have a letter from the General Manager of XXXX XXXXXXXX stating that the refund was issued to XXXX  XXXX. On XX/XX/XXXX I returned to XXXX XXXXXXXX XXXX because I was unable to find a more suitable place and I was told that since they refunded my original reservation I was charged again for the additional 2 nights. So I was charged twice. I contacted both companies and Discover refuses to refund the charge although XXXX XXXXXXXX issued it to XXXX XXXXXXXX. PLEASE HELP XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
On 2018 I took out a loan which supposed to run smoothly but was nothing like that, XXXX have to paid off the loan which I couldn't use, and the amount that I paid so they stopped taking around XXXX $ monthly payments from my account was {$9600.00}, I thought at last everything is done with them, and NO, surprise when I wanted to sell the house, the house still have a mortgage on it, I have all the documentation to prove otherwise, and goin by the reviews on their sites, XXXX, XXXX, XXXX  they do it frequently, scaming people and rushing them into foreclosures, I'm glad I'm not in that position but I can imagine how that can't be, in their site seems that many people lose their homes because of them. Is unlawful to take homes of people 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 2021-03-03 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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 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 — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 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: TN

Complaint narrative:
I HAVE CONSTANTLY BEEN REACHING OUT TO XXXX, TRANSUNION AND XXXX  REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.

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 2021-03-03 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: TN

Complaint narrative:
I HAVE CONSTANTLY BEEN REACHING OUT TO EQUIFAX, XXXX  AND XXXX  REGARDING AN INACCURATE BANKRUPTCY THEY ARE REPORTING. THIS HAS BEEN GOING ON SINCE XXXX AND I AM NOT GETTING ANYWHERE. EVEN AFTER I HAVE SUBMITTED DOCUMENTS SHOWING IT IS INACCURATE.

Company response to consumer: Closed with explanation