vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: MO

Complaint narrative:
I have been using this company Lexington Law for few months. all they do is bluff customer that they are working on case. They never did any job and already took so many dollars out of my account. The result is zero. Absolutely zero. I believe its been more than 4 months with no results. Asked them to provide any reciepts for the work they did for me. all they do is electronic dispute which every one can. A paralegal promised that it will definitely be taken care of and it is very easy stuff to be removed by lexington law. I want CFPB to use UDAAP act against this agency. Every time I call these people say it is time taking process, it already took so many months with no results. I demand them to submit proofs that what they actually worked on case to fix my credit. And also in the XXXX report provided by lexington is false report. It is showing late payment months different from other two XXXX  and XXXX. The actual report provided from XXXX   website is different report from lexington law. They are bluffing that they recieved these reports from XXXX  directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am owed multiple refunds that have been issued by XXXX. Navy Fed initially tried to absurdly match them up to unrelated transactions for completely different refund amounts. I have submitted an avalanche of receipts and paperwork showing the owed refunds, to submit and substantiate my claims. No provisional credit has been issued and my refunds are still missing, with absolutely no explanation given from Navy Fed. They only have worked on finding why NOT to give me my money and things to eliminate from my claims. They have been unresponsive, and ultimately I never got any of my owed refunds. It is the most bizarre and concerning thing. I can not speak directly with the person mishandling my claims and they do not appear to have any type of escalation department I may speak with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP
State: AL

Complaint narrative:
I received a letter from XXXX XXXX Mastercard informing me of changes to an account I never opened. 
They fraudulently opened an account called XXXX XXXX Mastercard without my permission apparently back in 2017. 
The employee on the phone would not provide me with information about closing the account or resolving the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
XX/XX/2019 opened an account with MTB Bank. I was able to successfully open the account and also make 2 small  deposits totaling XXXX cents from my other bank institution so they can verify the deposits and allow me to make transfers back and forth. 
My account was immediately locked by MTB until they received a copy of my ID and social security card. I sent a fax with my prior year tax returns and a copy of my license but MTB said they needed a copy of the actual card ( I lost it ). 
I am trying to close my account as I haven't had time to obtain a new SS Card and MTB is telling me they can not close it because it has a balance of XXXX cents. The problem is I can not withdraw the XXXX cents because the account is locked. In addition they have been charging me service fees ( without my knowledge ) without even being able to access or close 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 explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: TN

Complaint narrative:
Called Mr. Cooper spoke with XXXX in Loss Mitigation she was very rude and short during the conversation I explained I received 2 different payments statements for a payment. I contacted them today checking status of the mortgage assistance application that I submitted. I have resubmitted my request for mortgage assistance because I have not received a mortgage modification based on my income. 
I recently filed bankruptcy and I'm wanting to get my mortgage payments back on track.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Portfolio Recovery is reporting to my Experian report fraudulently. I have disputed a collection debt in the amount of {$460.00} and have not received any valid information for this debt. Since I last disputed in early XX/XX/2019, they have been reporting to my bureau report twice a month on the XXXX and the XXXX of each month every since. I feel that this is harrassment on their part especially since they are reporting this collection with a past due amount of {$460.00} which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: KY

Complaint narrative:
My XXXX XXXX report showed a drop in my credit score due to closing an account with XXXX, and some bank associated with XXXX. I never had or ever applied for this account. I had no idea an account was made in my name and had never contacted them to open any account. I responded to XXXX and asked for it to be corrected but was told that their internal investigation found no wrong doing on their part. When I first contacted them they couldn't even find an account in my name but then determine that it was a real account. How does that even happen, they have no record of me signing anything because I didn't. I appealed to transunion for help and they said they wouldn't remove it either. What else can I do it dropped my credit score by 39 points when they closed this account that I had never opened. Im so upset and I need help, please someone help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AES/PHEAA
State: PA

Complaint narrative:
Fed loan serving reporting incorrectly period the representative told me it would be removed and isn't. I will sue this company for not reporting correctly. Remove payments to never late or ill sue!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A few days ago I noticed my credit scored took a dive by 65 points I wondered why as there had not been any activity on my credit use. Upon examining my Trans Union report I noticed that there are duplicates that have been posted on my report. They are listed under XXXX XXXX and shows to be posted as of XX/XX/XXXX for XXXX XXXX XXXX, that's strange because this bill has already been posted back in XX/XX/XXXX for {$980.00} There is also a posting from XXXX XXXX which was posted XX/XX/XXXX for XXXX XXXX XXXX for services rendered on XX/XX/XXXX in the same amount of {$980.00} Then there are three additional postings from XXXX XXXX for XXXX XXXX XXXX for services rendered XX/XX/XXXX in the amount of {$710.00} this one is listed two times and yet another one from XXXX XXXX for XXXX XXXX   listed on your platform with the others on XX/XX/XXXX for {$710.00}. I noticed you didn't catch either of these Trans Union and because you lied about investigating the inquiry that appeared on my credit report as a result of some one steeling my ID my attorney and I will be preparing Affidavits in preparations for a law suit against you and we are also preparing information to present to several government agencies like the FTC. I am fed up with you Trans Union and your thoughtless stupor thinking that no one will notice your neglect. I have warned you in times past that I suffer with XXXX and am not supposed to be under this stress, so if you're trying to kill me, you failed. On one last not, XXXX  and XXXX XXXX of XXXX violated my HIPPA rights to privacy by sending out my medical records with out my consent, so we filed major complaints with the OCR who investigated and contacted them both with warning of this violation, so we, my attroneys and I suppose they have listed these things on your platform as retaliation which is also illegal, we are addressing this also. We are coming after you Trans Union in a law suit as well as other charges against you and we are recomending that you you be fined XXXX XXXX XXXX XXXX and XXXX XXXX dollars and there are going to be consequences for your lack of attention. I AM FED UP WITH YOU.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt  my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: AR

Complaint narrative:
I received a call from a student loan company asking me about loans that I never had or applied for. Immediately, registered to XXXX to see my credit reports. I found other accounts that didn't belong to me. Here are the accounts that need to deleted from credit report : XXXX XXXX   XXXX {$5600.00} XXXX XXXX XXXX  XXXX XXXX {$12000.00} XXXX  XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX {$970.00} {$1100.00} {$2600.00} {$3500.00} {$3500.00} {$7000.00} {$5000.00} {$3400.00} {$3100.00} {$5500.00} {$660.00} XXXX XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
A student loan was taken out in XXXX of XXXX for an XXXX add on degree. 
-Graduated in summer XXXX -went back to school in Spring XXXX -graduated in XX/XX/XXXX The total amount borrowed was {$34000.00} According to my records/bank statements and payment history, we have paid {$64000.00} towards the loan. {$17000.00} was forgiven with teacher loan forgiveness program. Payments have been made on the original loans more then 10 years. {$6800.00} is still owed. Loan has been with 3-4 different loan companies XX/XX/XXXX-first call with concerns XX/XX/XXXX-requested an ombudsman which was not very helpful. He was able to show that a {$6000.00} payment that was supposed to be credited was charged interest for over 10 years. Every time they sent a bill we paid it. Beginning in XXXX it was automatically drafted. We would get notified when the amounts changed but were still automatically drafted. XX/XX/XXXX submitted a review-was not notified of results Every time we submitted something it would be review. Takes anywhere between 90 days -2 years. 
Submitted loan forgiveness application XX/XX/XXXX, They said we only had 27 payments on loans that were taken out in XXXX-if that were the case we would have been in collections. Resubmitted for review. Resubmitted application in XX/XX/XXXX. XX/XX/XXXX was denied because they said they needed more info. When talking to XXXX # XXXX she could see all the info they said they were missing so she resubmitted it. 
XX/XX/XXXX was told to submit another application to look at loan payments. 
XX/XX/XXXX said the loan showed interest was added because it was not paid off in 10 years. 
XX/XX/XXXX, XXXX-heard from PSLF person. Payments were still wrong. I started going date by date. He had missing dates. I was told to upload bank statements from XXXX which i did. Requested payment history again. Payment history showed that payments I submitted bank statements for. 
XX/XX/XXXX, XXXX-called to get update to see if payments were applied. I was told it was still in review and there was not a time line. It could take up to 2 years. 
I have the records for all the payments. This loan should be paid off by now. One of the loan companies XXXX has had cases brought against them for not applying loan payments. This is ridiculous that these reviews take this long.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on Equifax, XXXX, and XXXX. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: CA

Complaint narrative:
I used my Citi Dividend card only for my XXXX subscription and I typically end up paying the amount due and the upcoming charge at the same time, so it is not unusual to only get a statement every other month. I didn't think much of it when I didn't get any emails from company for a while. It was a big problem however because I did not get a statement for months, and so was unaware that they charged me late fees on a balance I didn't even know I had. Last email I received from Citi prior to suddenly learning on XX/XX/XXXX have a balance of {$90.00} plus including {$70.00} or so of late charges, was XX/XX/XXXX. I checked every email folder I have any I have no emails from Citi in this range. The company says that they tried to call me ... while I was at work and not able to answer the phone, and left me no messages. They stated that they are barred from leaving messages due to privacy requirements. Called the company, and they refuse to take any responsibility for their failure to communicate with customers on a basic level. After over a half hour, I just had them cancel the account. I can't trust them to not charge me without notifying me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
Mortgage was paid off. Lender, mortgage servicer, and lender 's law firm refuse to submit a satisfaction to the recorder of deeds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
Today ( XX/XX/20 ) I called Experian, XXXX  and XXXX. I have a recorded conversation with all 3 of them that claims that when I disputed the bankruptcy on my credit report, they verified the bankruptcy directly from the court. When I followed up with the courts, they sent a letter to me stating that they DO NOT verify bankruptcies with 3rd parties like credit bureaus. Experian, XXXX   and XXXX knowingly gave me false information in the attempt to keep this unverifiable bankruptcy on my credit report. Also in all 3 reports, the name is incorrectly abbreviated which calls for more grounds of removal. This is a clear violation my rights according to the fair credit reporting act. I plan on taking legal action against the companies if the bankruptcy is not removed from my report within the next 15 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 2020-01-29 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: IL

Complaint narrative:
file ftc report on fraud account ftc report number XXXX sent to all three credit buearu they removed account from derogertory and placed it as closed but derogertory would like account removed and blocked company name XXXX XXXX DATE OPEN XX/XX/2015 AMOUNT THEY SAY I OWE {$420.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting agencies. This letter may be provided to the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB is authorized to investigate this matter and receive related information. If you fail to comply with this letter, I may turn this matter over to an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX and I am submitting this complaint because there are multiple mistakes on my credit report. They are XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Those items do not belong to me and should not be on my credit report at all. They are listed on XXXX, XXXX, and Transunion. Those are fraudulent items and they need to be removed asap. I will sue if these items are not removed asap.

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