vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC
State: SC

Complaint narrative:
This company stated they were representing XXXX XXXX in attempt to collect an alleged debt that was not verified. This company made harassing calls and or written communications but not limited to.This company then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.This company refused service for a complaint.This company willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company failed to follow FCRA 609 as demanded 43 times by way of certified mail.REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi bank has continued to provide fraudulent rude nasty low class customer service. They have charged me for fees that XXXX XXXX who first opened my account lied to me about the terms, they have purposely locked me out of my account even after I provided the correct information, and recently had some bad english speaking rep get on the phone yelling at me telling me I shouldn't have let my account balance get so low then I would not have fees. They charged me a monthly service fee then charged an overdraft fee for that fee. They lied and claimed they didnt have bank phone records of my calls where agents did not accept my verbal passwords nor the agents who refused me to talk to supervisors or hung up. If Citi wants to continue playing games I have already spoken to an attorney I will file a pro se law suit against them and have the records from my phone subpoenaed to then subpoena the exact calls that were made to Citi since they want to play games.

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 2020-04-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I closed my savings account with citibank ( account no XXXX ) on XX/XX/2020 via online chat. The account then disappeared from my online login and I thought it was successfully closed. However, today I received a letter stating that I was charged for XXXX XXXX  monthly fee on this account and another {$34.00} overdraft fee. Could not reach the customer service by phone or chat.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TN

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX Dear Consumer Finance : I am on XXXX and get {$520.00} per month. I was on an Income Sensitive Repayment Plan or an Income Based Repayment Plan and had {$0.00} listed as my payment in XXXX of XXXX and I can not get them to approve me for that payment plan again. I have a XXXX-year-old and I must rely on others to help pay for his needs. I have struggled with them for years and they put it on my credit. I have done everything they asked me to do. I sent in a recertification letter on XX/XX/XXXX and received confirmation they had received it on XXXX, XXXX. Before that I have tried to apply for discharge of my loan in XXXX of XXXX via snail mail and they wouldnt approve that. Meanwhile my credit score is XXXX and it was XXXX. The websites they have for Nelnet.com and XXXX are horrendous. I must reset my password every time and sometimes I can not get in. I dont know what to do about this. They wont work with me. I need my credit fixed at least. I need a loan to cover me during the Covid-19 crises and I can not get one. I think its unfair that they report it to my creditors, and they will not approve any plan I apply for. Thanks for your time! 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
This company, its subsidiaries and or counterparts but not limited to, has attempted to collect on an unverified alleged debt not owed. This company, its subsidiaries and or counterparts but not limited to, has made harassing calls and or written communications but not limited to. This company, its subsidiaries and or counterparts but not limited to, then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO, REFUSED SERVICE FOR A COMPLAINT.This company, its subsidiaries and or counterparts but not limited to, willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company, its subsidiaries and or counterparts but not limited to, failed to follow FCRA 609 as demanded 43 times by way of certified mail.NO CONTRACTS WITH SIGNATURE HAVE EVER BEEN PRODUCED.ALLEGED CONSUMER KNOWS OF NOTHING THAT SUPPORTS THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS THAT ALLEGED CONSUMER OWES THEM ANY MONEY. THEREFORE THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO IS TO REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY BY THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO.

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 2020-04-09 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: GA

Complaint narrative:
This is in reference to the prior complaint # XXXX, the credit reporting agencies are not following the guidelines on removing items and not replacing them. XXXX XXXX XXXX  said they removed 2 late payment from all the credit reporting agencies. XXXX is the only one that only show 3 late payments which is correct but theses dates should be removed XX/XX/XXXX - XX/XX/XXXX and XX/XX/XXXX. 
On XXXX XXXX they are showing 5 late 30 days, which is incorrect. 4 late payments 60 days and that's not correct. Also on the XXXX XXXX report for TRANSUNION, they have 4 late 30 days and 3 late 60 days, both are incorrect. Between XXXX and XXXX XXXX XXXX, This should be corrected immediately. I only have 2 open accounts on my report not 6. XXXX have XXXX on my report which is currently under bankruptcy. I have file a dispute several times for Transunion / XXXX to correct this.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS

Complaint narrative:
I was approved for a Capital One credit card almost 60 days ago. 

To date, I have not been able to log in to my account due to technical problems. I have called their customer service department and they were supposed to text me an access code. It was never received. And each time I request one through their website, they do not send one to my home phone. I also had problems activating my card when it first came. I haven't used it to date, so I don't even know if the customer service department properly activated the card. I tried doing it online, and they required me to call them. 

I'm not sure what is going on with their website, but if this is how they conduct business, I don't have a desire to ever use the card.It is important to be able to access the account online and to set up alerts in case the card is ever stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
While in the process of selling our home, my wife and I originated a loan process for another home in late XX/XX/XXXX. XXXX XXXX XXXX, at Fifth Third Bank located at XXXX XXXX XXXX, XXXX XXXX, Indiana XXXX, was the loan officer who assisted in this loan process. During this process she repeatedly told us that we could re-amortize the loan after our home was sold. During this process we were asked for a letter documenting our intent to use proceeds from the sale of our home towards the new loan. The mortgage process was closed on the purchased home on XX/XX/XXXX. Our old home sold and we closed on that sale on XX/XX/XXXX. By agreement, we placed {$100000.00} proceeds from that sale towards the Fifth Third loan and requested the re-amortization to lower our loan payment. After a period of weeks and after not hearing from Fifth Third Bank about the re-amortization, my wife contacted the Fifth Third Bank regional office in XXXX, Ohio. My wife was informed by that office that we had a VA loan and it could not be re-amortized. After hearing about this and contacting Ms. XXXX XXXX, she indicated that she had made a mistake and indicated that the loan could not be re-amortized. We asked that the {$100000.00} be returned and that request was denied. As a result of this, we had to re-finance a conventional loan. This refinancing cost us almost {$4000.00} in loan application and closing costs. We appealed for a refund of the application fee and Fifth Third Bank refunded {$390.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Looking over my Transunion credit report I notice that on XX/XX/2020 the was a hard inquiry for XXXX XXXX. I never requested credit with this company XXXX XXXX XXXX. I sent a mail to both XXXX and Transunion advising that I did not authorize this credit inquiry and to please remove from my credit file.

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: MS

Complaint narrative:
Purchased card approx 2 weeks ago, value {$20.00}, at XXXX XXXX in XXXX, MS . Tried to activate card online, using app on phone and by calling, no method works. Have repeatedly called company and been on hold twice for 1 hour plus and other times been told company can not take call. Can not access the $ which I urgently need and company does NOTHING

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 2020-04-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Well my credit card and my email had been hack in XX/XX/2019. Back when capital one was hack. They said they close my account before that happened which that's a lie cause you dont know how long that person who hack in their system. Before they caught them had information. So thing was chang on my personal setting. So I'm not paying I always paid on time. When that happened I was hurt. But they said I got to pay the balance. No way buddy!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX  # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

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 2020-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX  is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time. 
The personal information appears with different names and I want it to be placed as stipulated by law, the same one that has the social security card which is XXXX XXXX and the address XXXX XXXX XXXX XXXX Florida  XXXX. 
I want a true score considering that no late payments were made. 
In the credit report I have student loan accounts with the company XXXX # XXXX {$4500.00} and {$3500.00}, other accounts XXXX XXXX {$3500.00}, {$5300.00}. This account is not yet authorized to charge and I want them to be removed and appear when authorized. 

Thanks for your help and justice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
XX/XX/2020 i recieved a phone call from covertington credit in XXXX XXXX tx serveral calls about my monthly payment ... .i refiance my loan onXX/XX/2020which i know a payment is due XXXX from the date you get the loan my phine was blown up for a payment that wasnt even due an gon na say we just calling because we know you got your ssi an we wan na make sure we get out money today for your payment due XX/XX/2020 i wan na file a suit againt the company for harassment an trying to scam money from a disable person payment XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: HOVG, LLC
State: FL

Complaint narrative:
This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

Furthermore, this company DID NOT AND CAN NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I originally had a XXXX loan with XXXX XXXX XXXX XXXX. I was always on time and never late. I received an account closer email that I closed my account and that my account was transfered to a sister company XXXX XXXX. Shortly afterwards, XXXX XXXX began to report incorrect amounts on my credit report. I called them to see what was going on and they told me that they were a debt collection agency. This was a breach in my original loan agreement, I can't get online to see my original contract and the interest amount does not reflect. They have reported incorrect information to my account. They also illegally obtained my bank account information from the original company. XXXX XXXX was posing as a loan servicing company while XXXX XXXX XXXX XXXX has not responded to the veterans or service members about their closure. Several complaints have been made about this and they continually report wrong information when disputing them. They are not the same company and they show paperwork as if they are the original loan company.

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 2020-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
N. 1- Personal information is, real name is XXXX XXXX as it appears on social security, correct address since XXXX is XXXX XXXX XXXX XXXX XXXX fl XXXX. 

N. 2- The inquieres were not authorized only XXXX XXXX XXXX 

N. 3- Account N.2. That purchase was disputed at the Florida Deparment Agriculture and they did not comply with what they agreed with this department. XXXX / XXXX XXXX XXXX XXXX. 

N. 3- Account N.3 XXXX  XXXX N.3- Account collentions XXXX XXXX that account has already been claimed by the licensed XXXX XXXX and they are placing it with another name ... XXXX XXXX I do not recognize it .... XXXX XXXX XXXX was claimed in the three companies by lawyer XXXX XXXX. XXXX XXXX   XXXX {$1700.00}. 

N.4-XXXX XXXX is the company with which I have the house loan. The company XXXX  reported me late payments in XXXX, XXXX and XX/XX/XXXX and I was protected for three months under federal law for people who were victims of Hurricane Irma and I was a victim of Hurricane Irma. I want to change the status that appears on my credit for payments made on time. 
In XX/XX/XXXX I applied for a foruobance program with XXXX XXXX  and was eligible for the program and the house mortgage payments were different and authorized by XXXX XXXX, this program with the coronavirus spread. I have reported with the XXXX  credit bureau late payments from XX/XX/XXXX and continuing. I want to change the status of payments for payments made on time N.5- The XXXX student loans appear divided into four, it seems to me incorrect, only one total should appear and they are still not authorized to charge me, therefore I want them not to be until they are authorized. 

Very Thank for helpmy

Company response to consumer: Closed with explanation