vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Following XXXX XXXX XXXX  acquisition of my bank ( XXXX ), we have had at several instances where the Bill Pay system adjusted the payment amount without our knowledge or consent. We updated our mortgage payment to reflect a recent escrow increase and, following a few payments, the amount reverted back to the prior amount. This happened at least twice leaving us with a mess in trying to repair the damage done to our credit. As of late, our HOA dues which have been in place for several years, simply ceased. We have been clients for over 20 years and I can only imagine the number of individuals to whom this is also happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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:
This is the 4th time I've complained about the CFPB & Experian. I continue to get ignored, told I'm not the one submitting my complaint or informed there is no record of me being listed with the company. I have no clue what heck you're doing but I'm literally suffering and it's creating a ton of emotional & physical distress. I was the victim of identity theft and Experian has FAILED to comply with Fair Credit Reporting Act ( FCRA ) by not following the regulations. Under FCRA Section 605b an account should be blocked/removed when provided the correct documentation which shows identity theft occurred. I've submitted all required documents & they've failed to comply. Additionally, EXPERIAN has failed to provide with any verifiable proof such as a signed agreement or contract which would demonstrate I was the one opening the alleged accounts. I need the following accounts removed from my credit report ASAP. Here is the information about the accounts - XXXX XXXX XXXX & XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC
State: FL

Complaint narrative:
I received a letter via US Mail allegedly from American Coradius International LLC on XX/XX/22 stating I owe {$120.00} associated with a XXXX account. XXXX confirmed that my XXXX account is in good standing and they see no money owed nor do they have any record of turning any debt associated with my account over to ACI. XXXX stated this was a scam and or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I'm having issues with credit karma an XXXX XXXX I understand the two are working together but my transactions are being messed with refunds to my bank account is what I was told I would be getting from XXXX XXXX XXXX XXXX  says contact my bank my bank is website is not running at the moment i got pics of everything from both sides an what they both have told me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Someone used my information and had a credit card from capital one. I just opened a XXXX XXXX account. I saw there's an open account in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TN

Complaint narrative:
A debt collector called National Credit Adjusters or NCA appeared on my credit. I have tried several attempts to have this fully investigated by asking for NCA to provide the IP address. ( If this was done online ) Also I asked NCA to fully itemize the statement, prove my signature, time and date of opening of the original account, etc. I also submitted a complaint to the XXXX for help however they stated their assistance is very limited in debt collections. The original creditor is XXXX XXXX XXXX XXXX XXXX. NCA reported to the credit bureaus that this account was opened XX/XX/2020 ( 1 yrs, 6 mos ). I absolutely did not open any account with XXXX XXXX XXXX XXXX XXXX. I dont even know who this company could be. I tried disputing with XXXX stating I cant believe I have to prove my innocence. I did not open this account. They asked if I wanted to file this under fraud or identity theft and I told them I dont know because I dont know how this appeared on my credit because it isnt mine. The customer service representative mustve disputed it under fraud and locked my credit file ( without my permission ). I am not sure if this is fraud or identity theft or a case of mixed information. There is another family member with the same name. Regardless, this is not mine. NCA sent a response back to XXXX stating they couldnt discuss anything with me for 30 days because its filed under fraud. Yet I have disputed this on multiple occasions prior and they did not produce a full investigation. A full investigation must take place including IP address location, etc because this was not opened by me. Please help. I am an honest person and fully agree that I need to pay my bills and I do and will. I take full credit for my bills. This is NOT mine. Please can you help me. I would absolutely pay this if it was mine. But it isnt. I do not know how this appeared on my credit or who may have tried to open this in my name but I did not open this. I would not waste my time and energy on this if it was valid. Possibly NCA made a mistake or someone used my name and social. I did have my social security card and birth certificate stolen from the apartment I lived in at the time of this opening. I did not report to the police due to being afraid of the neighborhood I lived in and I worried about repercussions from my landlord and maintenance crew.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Ive provided this company through certified mail and return receipt, a written cease and desist notice, and a conditional acceptance if they can produce a validation of claim. This company stated they received information from the creditor, therefore they are a third party stating I owe them something. 
Return receipt was signed for on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Regular inquiries were recorded in my TransUnion credit report from the following financial institutions : 1 ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX- date reported XX/XX/2022 XXXX ) XXXX XXXX XXXX- date reported 1XX/XX/2022 A fraudulent use of my personal information was used to obtain credit from the above- mentioned bank. I filed a dispute with Transunion file # 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MI

Complaint narrative:
On XX/XX/2022 my Tax Refund was deposited into my recently opened Credit Karma Debit Account. I have been trying to activate the card and/or move funds to a different account and I keep getting a system error, Ive tried using their app, website on mobile device and on computer and I get the same connection error message. I am now very late on my payments due to this inconvenience. I have tried contacting their customer service at XXXX ( XXXX ) XXXX multiple times and Its impossible to get a live person and I end up getting hung up on. Im frustrated, in debt and planning on going to court because according to the reviews I am not the only one they have done this too.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION
State: LA

Complaint narrative:
I did some research on why this company has never offered billing statement sent in the mail and they have told me they dont do mailings in the post office because they are a paperless company. This is what I have sent them and they still denied that they will send me a billing statement in the mail. I was reading one of your rules online about the Consumer Financial Protection Bureau ( CFPB ) issued a rule that a mortgage creditor or servicer ( the company you make your payments to ) must send periodic billing statements to the borrower. This is called the periodic statement rule, and it went into effect XX/XX/XXXX, XXXX they are rule breakers and have denied my request to send me a statements in the mail. If they are a lender then they must honor the rules to be a lender.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX A XXXX XXXX, LA XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: PENTAGON FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
I applied for a new car auto loan at Penfed Credit Union and was pre-approved for the loan. Following the pre-approval, I made down payment for the car and tried completing the loan process. However, I was unable to complete the loan process as I was getting error messages. I reached out Penfed Credit Union customer service and I was informed that they have been experiencing technical system issues since XX/XX/XXXX and are unable to locate and authenticate a large volume of XXXX car models. Despite this being a known issue for more than 2 months, they still didn't provide any advance notice about this being a potential issue that could prevent the applicant from finalizing the loan. 

This loan was for USD XXXX at 1.99 %. Due to Penfed Credit Union 's action, I have suffered a significant loss as I now need to apply through other banks at a higher rate of interest.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: SC

Complaint narrative:
I opened a complaint previously ( XXXX ) which has been closed. The resolution was not satisfactory to me. Once the Public Service Loan waiver was implemented in XX/XX/XXXX, I inquired at Fedloan do I need to consolidate my remaining Direct Loans together and have all my loans as one loan. I was told no because the loans were already Direct and resetting them would reset my count to 0. Yet, one of my loans was forgiven during the review. Then later the language was updated in the waiver that consolidation loans that were comprised of underlying loans that have different numbers of qualifying payments, as long as your repayment history overlaps for each loan, the consolidation loan will be credited with the largest number of payments of the loans that were consolidated. I was never given this opportunity because I was 1 ) told not to consolidate and 2 ) had the remaining balance of the loan forgiven before I could consolidate. Changing the language and advice provided for the waiver after the waiver has been instituted is like changing the rules to the game once the game has begun. 

The resolution that you provided in my previous complaint is missing the point that I am making. The point is this if in XX/XX/XXXX if given the correct advice I would have reconsolidated all my loans together. My complaint has zero to do with the XXXX consolidation. The complaint is about the advice provided in XX/XX/XXXX that was changed once my loan was forgiven by the waiver.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/2022, we opened an LL Bean credit card at their XXXX Maine location ( world headquarters ) We were told we could get a large discount if we opened a store card. 
Unbeknownst to us, it was never mentioned that they would be doing a " hard '' pull on our credit. This has detrimentally affected our ability to qualify for the best rate on a mortgage. A simple inquiry on our credit would have been a lesser insult. We called Citibank on XX/XX/XXXX and had a very lengthy call with XXXX the self described " phone manager '' who told us there was nobody above him I could speak with. He incorrectly stated that there was no way he could switch from a hard " deep dive '' to a " soft '' inquiry. I was told by our state banking commission that a bank has 30 days to correct this. I am unequivocally stating that this was an unfair and improper use of our credit. We have the exact same problem with XXXX 's credit card. Ironically, Home Depot immediately fixed the same situation for us. We were willing to allow a harmless inquiry but we were not informed of the consequences of them making a deep dive into our credit history to the extent that it ruined our ability to get a mortgage rate we could afford.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
After studying my credit report, I identified some difficulties that were incorrectly stated. The Fair Credit Reporting Act has given me the power to dispute and correct inaccurate information on my credit report ; nevertheless, the following are also prohibited by the Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: DE

Complaint narrative:
I can not get a current statement from my lender. Four a while they would not give me a statement at all. I second day air my payment. So I have proof that they received them. So they started moving the processing date up. They always have the payment on the first or second of the month. But when you receive the statment it says I owe two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: NY

Complaint narrative:
This is to Capital Resource Management ( CRM ) Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX. 
Amount of debt : Date of service : Provider of service To whom it May Concern, I received a bill from you on or about XX/XX/XXXX and as allowable under the fair debt collections practice Act, I am requesting validation of the alleged debt. I am aware that there is a debt from ( name of doctor, hospital, clinic, nurse, emts, fire department, police ) but I am unaware of the amount due and your bill does not include a detailed breakdown of any fees. 
Furthermore, I'm allowed under the HIPAA law ( Health and Insurance portability and Accountability Act of 1966 ) to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX for them to release my medical information to a third party. I understand that HIPAA does allow for limited information about me but any detail may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization. 
Please provide a breakdown of fees including any and collection costs and medical. 
Please provide a copy of my signature with the provider of service to release my medical information to you. 
Immediately cease any credit bureau reporting until debt has been validated by me. 
Please send this information to my address listed above and accept this letter as allowed under the FDCPA. 

Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant will be a violation of the FDCPA because you will be deceiving me after my 2nd written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. 
Furthermore, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair credit reporting act, which can allow me to seek damages from a collection agent. 
I await your reply with the above requested proof. Upon receiving it. I will correspond back with you by certified mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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