vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-19 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
My conplaint is ** USAA 's FALSE CREDIT DOCUMENTATION. ** see CFPB USAA Response XX/XX/XXXX XXXX-XXXX  & XXXX-XXXX.USAA Confirms ** ( " You reported fraud XX/XX/XXXX {$470.00} plus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$180.00} XXXX TOTAL {$890.00} '' ) see attached XX/XX/XXXX CREDIT CARD FRAUD CLAIM {$470.00} UNAUTHORIZED TRANSACTIONS. see attatched XX/XX/XXXX REVIEW OF YOUR CLAIM IS COMPLETE USAA Confirms ( **10 TEN DAYS LATER *No Fraudulent Activity Found After Review Your Claim. ** )?? Ten days eariler USAA CONFIRMED TO AUTHORITIES CFPB FRAUD {$890.00} was REPORTED. USAA charged off this account DESTROYING MY CREDIT FALSELY. I discovered THIS ACCOUNT WAS OPENED FRAUDULENTLY WITHOUT VERIFICATION MY ACCOUNT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 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: CA

Complaint narrative:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.

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 2020-06-19 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:
I had my credit ran today XX/XX/20 because I'm trying to refinance my house but I was told I would not be able to do so because of an account from XXXX/XXXX  reflecting badly on my credit report. This account does not belong to me ; I didn't even know it was on my credit report before today because I never opened it and I did not give anyone permission to open it in my name. I am not affiliated to that company in any way nor did I have any written/verbal contract with them. I did not benefit anything from this account such as money, goods, services or any other benefit and I never made parents towards this account. I have already filed a police report regarding this unauthorized account. I have filed this report the best of my knowledge.

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 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
I filed a complained to my mortgage service co on their web site about the Escrow Disbursement of {$2700.00} XX/XX/XXXX due date XX/XX/XXXX which was not showing to whom it was paid. Already all the taxes and insurance paid is listed. I did received the email from them receiving the complaint on XX/XX/XXXX The only response Till now I received a letter dated XX/XX/XXXX stating the matter has been referred to the XXXX XXXX , XXXX as owner trustee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
SANTANDER CONSUMER USA Last reported XX/XX/2020 {$15000.00} Reported balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Mr. Cooper is the most third class mortgage servicer, this is completely nonsense. I called them on XX/XX/XXXX to modify my monthly payment because of this pandemic. that is called pandemic payment modification. They said they will definitely do it and get back to me within 7-10 business days and now it is 17 days, and they haven't gotten back to me on this. I am really frustrated and do not like the way this company works. 

They really get to the nerves of their customers, greedy company who just thinks about money and nothing else. 

I am also trying to login on the website of Mr Cooper from last 5 days but the website is just scrolling and the server is not responding, I am not able to login on my Mr. Cooper online platform.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
WE HAD HAD A BESTBXXXX REPRESENTATIVE AT OUR HOME TO QUOTE US ON APPLIANCES FOR THE HOUSE. THE TOTAL AMOUNT OF THESE APPLIANCES WAS FOR {$8000.00} THE SALES REPRESENTATIVE HAD STATED THAT THEY HAVE A PROMOTIONAL OFFER WITH CITIBANK TO GET 18MONTH 0 % APR INTERESTS ON THE CARD. AFTER A WHILE OF PAYING THE CARD OFF WITHOUT SPENDING WE DECIDED TO PURCHASE A BIG REFRIGERATOR, SINCE WE HAVE 18MONTHS OF NO INTERESTS OR APR ONLY TO FIND OUT THAT THE 0 % APR INTERESTS CHARGED ON THE CARD IS ONLY FOR THE INITIAL PURCHASE AND THAT SEEMS LIKE DOING BUSINESS IN BAD FAITH UNETHICAL AND FALSE ADVERTISING ONLY TO HAVE A CONSUMER SIGN UP FOR A CREDIT CARD. FOR GENERAL REFRENCE I HAVE 3 XXXX CARDS 1 PERSONAL 2 BUISNESS ALL CAME WITH THE 0 % APR AND INTERESTS. A CITI COSTCO CARD ALSO CAME WITH 0 % APR A VISA CARD CAME WITH 0 % APR INTERESTS. SO I KNOW HOW THE ACCOUNT IS SUPPOSED TO WORK I WAS BULLIED AND SCAMMED, LIED INTO A FALSE CONTRACT FOR GAIN.

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 2020-06-20 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: TX

Complaint narrative:
I have a Shop Your Way CitiCard. I had a payment due on XX/XX/20 for a purchase amount for {$20.00}. I did not receive a bill. While going through some receipts I realized that no bill had been sent. On XX/XX/20 I made an electronic payment of XXXX which posted on XX/XX/20. I also called the credit card company and was automatically sent to an automated system for waivers of late fees. The automated system reported that late fees and interest were waived. I had no other purchases on the card. 

Then on XX/XX/20, I created an online access account and was met with several late fees and interest in the following amounts : Late fee XXXX Interest {$2.00} Late Fee {$39.00} Interest {$2.00} Late {$24.00} Interest of {$2.00} Total fees of {$89.00} for an {$20.00} purchase. 

I called Citicard and was told that it would only waive {$67.00} and my account would remain delinquent and continue to accrue late fees and interest. Negative reports would continue to be made to the credit reporting agencies. I was further told that I could not get a copy of the terms of the credit card agreement via the online system. It could be requested to be mailed to me but my account would remain delinquent and there was nothing I could do about it no matter what. It was emphasized multiple times that there was nothing I could do, even though it was not my fault. 

I paid the purchase that was charged and was led to believe by the Citicard 's own system all fees had been removed in 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 monetary relief
Consumer complaint received 2020-06-20 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I ordered a pair of clippers from Walmart using the Walmart credit card by Capital One. This was last XXXX. I never received the item. Walmart sold the clippers through a third party which was not clearly stated at the time of purchase. I have not received the purchase. The merchant is unresponsive to my requests. Capital One initially provided me a credit from a dispute and on XX/XX/XXXX reversed the credit without explanation. I have attempted to contact the card issuer on multiple occasions and have been met with up to two hours of wait time. This is simply unacceptable. I want my purchase or the credit to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-20 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: SLM CORPORATION
State: SC

Complaint narrative:
This is a student loan that should not be reporting on my credit because I am still in school, and should still be deferred. This decreasing my FICO Score really messed up a lot of opportunities for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
Pnc will not allow me to connect my debit card to my XXXX account for the round up feature. They claim it is a security issue, yet my checking account is already connected for the monthly deposit I make into my XXXX account so it doesnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Around XX/XX/XXXX, I enrolled in college that I had seen on TV called XXXX University. I had watched them on TV and fell for the promises to get a better paying job once I graduate. I graduated from XXXX University with a XXXX XXXX in XXXX XXXX and I was very excited, but I later was unable to get a job in my feild. I decided to go back to school for my XXXX XXXX in XXXX. I enrolled in XXXX  XXXX XXXX at XXXX only to learn that my credits from XXXX University were not fully accredited to proceed to get my XXXX XXXX. They told me that in order for me to get my XXXX I woulds have to get another XXXX XXXX because I went to a school that was not accredited. I am one class away from recieving my XXXX XXXX at XXXX  and I am currenlty taking classes recieve my XXXX  XXXX  XXXX XXXX XXXX. On my credit report right now it shows that I owe a total of {$57000.00} for XXXX University dba XXXX XXXX and I dont think its fair that I have to pay that considering that they have a numerous lawsuits and enforcement actions against them and also because the college was very decieving. XXXX University is no longer a University it closed in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYST is reporting that I have an open balance of XXXX on three of my credit reports. I have never received any corresonpondce from this company informing me that I have an outstanding balance explaining the nature of the debt. The debt balance has initially been from XXXX that was a dispute that while was XXXX in XXXX and was charged-off sold to XXXX XXXX XXXX, which I disputed the amount owed with several times. In XX/XX/XXXX, the company removed the balance from my credit report. I recently pulled my credit report and seen that In XX/XX/XXXX, JEFFERSON CAPITAL SYST place this on my account as a past due account, which is inaccurate information and is reporting a of XXXX is a revolving line of credit. I would be grateful for any assistance to resolve this matter because I won the dispute with XXXX XXXX XXXX for faulty collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MT

Complaint narrative:
Until XX/XX/XXXX, my mortgage was serviced by XXXX. I paid my mortgage monthly through my online account. In XXXX, XXXX dissolved and I was unable to access my account online, and I didn't know to who or where it went. I did not receive any information until the end of XX/XX/XXXX. I have tried to create my online account through NewRez and Shellpoint ( it is not clear where my account currently resides ) to bring my account current. I am not able to access my account online through NewRez or Shellpoint. 

My account manager does not return my phone calls and emails, my account manager does not return the State of Montana 's phone calls and emails ( I qualified for covid mortgage assistance, and the State of MT is attempting to submit payments ), I can not access my account online to pay my monthly payment, and I am getting very concerned about how my account is being handled.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
This account has been paid in full.

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 2020-06-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have reached out to CITI multiple times regarding a credit card that was opened without my knowledge. Multiple times I have been told that no card or account exists under my name and social security number on their end. After finally receiving my dispute result from XXXX stating that they received information from CITI confirming the fraudulent account is mine and refusing to remove it, I am left completely frustrated with the lack of communication and effort on both CITI and XXXX to protect my information. No one seems to actually be listening or reading anything I write down for the dispute. The credit card account was opened without my knowledge on XX/XX/2020 with a credit limit of {$7500.00}. The only contact information showing on my report is as follows : XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX ( XXXX ) XXXX That number leads me no where and I was redirected to CITI customer service multiple times with no one being able to tell me anything. I had to call numerous numbers to even get the identity theft number because it's not even posted on the CITI website. THIS IS NOT MY ACCOUNT. I HAVE NEVER AUTHORIZED IT.

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 2020-06-20 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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 2020-06-20 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: IL

Complaint narrative:
The following companies have placed hard inquiries on all three credit bureaus without my consent, knowledge, or authorization and I do not have any accounts with them or have done any business with them. Please remove these inquiries as soon as possible. I have contacted these companies via certified mail but no response or action from their part has been taken. 

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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 2020-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Consumer Portfolio Services, Inc.
State: PA

Complaint narrative:
Thank you for taking the time to review my complaint. In XX/XX/2016 I was granted a car loan with assistance from my mother. With my mother as co-signer, the vehicle had high payment with a high-interest rate. Understanding the laws of unfair sales practices, a co-signer shouldn't be a liability. When there's a transfer of risk, according to laws, being placed in a financial burden is illegal. Being young at the time, the first vehicle, payments were made according to term agreement. Within the second year of the contract, the vehicle experienced a major decline with issues. Vehicle costs increased within the second year of the contract. Unable to maintain both costs of maintaining the vehicle ; our decision was to return the risk which was placed with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20 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: UT

Complaint narrative:
While trying to qualify for a mortgage, my lender indicated that there were several items on my credit that were making me unable to get a mortgage. All of the items that were explained to me I am not familiar with and I have no idea what these negative items are about.

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