vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
we have done everything to get credit on track we pay down credit cards pay loans on time remove major debt and yet credit scores stay same or do major 30pt drops with no explanation other than old issues that score have raised since. the credit system is biased against us as young XXXX couple that have only had 4 blips one 12 years minor incidents no late mortgages or auto. I know XXXX  couples who have filed bankruptcy and still have 700+ scores. something needs to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: NJ

Complaint narrative:
Good afternoon, I am writing to you guys due to a inquiry that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didnt have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed identity theft/fraud because I did not give them authorization to run my credit you can see them found attached. Please have these removed asap I tried contacting them and sending letters and nothing was solved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Made payments every month for {$400.00} at end of Month.

They charge me late fees every month for {$40.00}. Even though I make payments every single month at the same time.

They are also charging me interest on a card that wasn't supposed to be charged interest at this time.

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 2021-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Monterey Financial Services LLC
State: CA

Complaint narrative:
I tried to pay off complete debt woth a credit card was denied twice due to wrong address on file per XXXX XXXX then Monterey financial decided to withdraw without my authorization the amount due of XXXX out of my checking account I have filed a dispute under fraud as suggested by my bank XXXX XXXX has not returned momey or returned phone calls after speaking to employees and then referred to manager

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Due to the pandemic & LA riots, I have been out of a job for sometime. Since I couldnt pay my mortgage, I applied for forbearance with SPS ( Select Portfolio Servicing inc ), my mortgage servicer. Ive requested to extend my forbearance program in XX/XX/XXXX, with XXXX, followed up on the XXXX, with XXXX, XXXX, with XXXX and was confirmed that I could have an extension till XX/XX/XXXX. 

XXXX, 2021, I received a letter stating that I was going to be delinquent if I didnt pay my balance in full. I spoke to XXXX  different supervisors ( XXXX  XXXX ) ( XXXX ) and ( XXXX ) asking them to go play back the conversations as they are recorded. They refused! 
Ive then applied for mortgage assistance program on XX/XX/XXXX and till today, they are not giving me an answer as to if Im approved or not. Meantime, Im getting letters stating that I am delinquent and facing foreclosure. This is not right!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. I already filled out a FTC report # XXXX which is attached. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
This is the second time in as many months that I've had to file a complaint against Citibank regarding their unscrupulous billing practices. I have a regular balance, and a no interest promotional balance on my account. My minimum payment due for XXXX was {$28.00}. On XX/XX/XXXX, I made a payment of {$28.00}. That satisfied the minimum due on my account. On XX/XX/XXXX, I made a second payment of {$25.00}. I told Citi to apply that to my promotional balance, which they did. Then on XX/XX/XXXX, I made a third payment for {$75.00}. I again asked Citi to apply that payment to my promotional balance. However, they won't do that because they are trying to claim that I didn't pay my minimum payment of {$28.00}. They are attempting to only count that second payment of {$25.00} I made on XX/XX/XXXX and are refusing to acknowledge the payment of {$28.00} I made on XX/XX/XXXX. This is the same tactic they tried to pull on me a few months ago and I had to file a complaint then too. I believe they are trying to prevent me from paying off my promotional balance by the expiration date so that they can charge me 18 months worth of interest on that balance.

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 2021-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Hello, I am trying to get a mortgage from Bank of America. My loan officer ( NMLS # XXXX ) continually ignores me when I message her asking for certain documents such as conditional loan approval. She refuses to communicate with me in a timely manner and this is causing much duress on my behalf. I believe her refusal to work with me or communicate with me is racially motivated. I have attempted to contact her manager but to no avail, my messages go ignored. At this point, I am in danger of losing a deposit on a home of {$25000.00} and my loan officer still ignores 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 non-monetary relief
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I had disputed with portfolio recovery collection agency that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called portfolio recovery collection agency today and I was advised I opened up the account with XXXX XXXX on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. Portfolio Recovery collection agency purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at Portfolio Recovery today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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: TOYOTA MOTOR CREDIT CORPORATION
State: CT

Complaint narrative:
I LOOKED AT MY REPORT AND NOTICED FRAUDULENT ACTIVITY. THERE ARE ACCOUNTS AND INQUIRIES THAT ARE NOT MINE. 
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: POPULAR BANK

Complaint narrative:
Case Number - XXXX. 
Please refer to the case number shown above. I understand that this has been closed. 
However, although one of the banks, XXXX XXXX, has done their best to assist and actually provided me with new information, e.g. a copy of the check sent by them and contacted the Popular Community Bank, they hit the same brick wall I have been hitting. This bank refuses to assist or investigate the issue claiming the account holder 's security. 
As previously stated, the check has to date, not been credited to the correct payee, XXXX XXXX XXXX From the information received from XXXX XXXX XXXX the check seems to have been credited directly to a Popular Community Bank account! Due to the time difference, it is difficult to discuss the issue by telephone from XXXX XXXX. In any case, the PCB has not been helpful in investigating this issue and even refused to investigate when Ms. XXXX XXXX the accountant at XXXX with I dealt with contacted them, again claiming customer protection. I respectfully request that you contact the PCB and on my behalf demand a thorough investigation on this issue, recover the {$2000.00} from the account to which it was credited and refund the same amount to my account at XXXX XXXX. No more, no less. I am a pensioner with low earnings and I want my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Navy FTU opened XX/XX/2015 showing as charge-off This account is fully paid off and false and misleading representation and no obligation of mines 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
CC CB/VICSCRT XXXX XX/XX/XXXX {$1000.00} XXXX  XXXX XXXX XX/XX/XXXX {$390.00} XXXX/XXXX  XXXX XX/XX/XXXX {$730.00} XXXX  XXXX XXXX XX/XX/XXXX {$810.00} other XXXX XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am trying to obtain my first home and my mortgage lender, XXXX XXXX XXXX from XXXX XXXX Bank tried to pull my report on XX/XX/21 and could not obtain it. The message from Equifax stated the following : Information from your inquiry has been identified as potentially fraudulent or misused. Therefore the credit report is not available for delivery. 

Inquiry information identified as fraudulent by consumer-report not available. I never called and reported any inquiry information was fraudulent to Equifax. I have written these people with letters, I have called and spoken with represenatives and they have lied to me and informed that the infomation would be removed. Then when my lender went to pull my credit again, the same thing was still on my credit report. This information is false. I don't appreciate this erronous information being put on my credit without even notifying me of this action. 
The action I would like for you to take is to have them remove this information off my credit report immediately and to not place anything on my report like that again without notifying me in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Management Control, Inc.
State: FL

Complaint narrative:
XXXX, XXXX M SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CREDMGMTCNTL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CREDMGMTCNTL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 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:
XXXX XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: MN

Complaint narrative:
On XX/XX/2020, in the Federal Bankruptcy Court of the state of Minnesota, XXXX XXXX XXXX XXXX officially ruled any and all debt theough AES to be disallowed. AES and any other Lenders, or Debt collectors that are connected to AES were informed by Attorney XXXX XXXX to file paperwork proving that said debt was in fact owned by the lenders that AES was servicing. AES was given 90 days to provide documentation as well as show up and appeal. They did neither. Because of their actions 5 orders of disallowing further claim of debt were filed and signed. AES claims that private students loans can not be discharged solely through Bankruptcy, but have to go through adversary proceedings and be proven to cause extreme financial hardship. In this case proceedings wefe had amd evidence was shown. These debts are no longer valid according to the Federal Bankruptcy Court. AES has refused to communicate with attorneys and provide any documentation that would prove otherwise. My name was signed fraudulently to these loans and AES refuses to assist in filling any sort of fraud documentation. They say they need a police report, but the police will not file a case against an entity that no longer exists. They can investigate a company that no longer exists. AES is allowing for these fraudulently accounts to remain open and active, and refuses to close them, even though the original lender closed their doors XXXX XXXX AES was attempting to collect the debt then as well stating that the company was still open and until XXXX contacted them, they would continue to collect money, even though they were never paying XXXX. AES only changed the lender in XX/XX/2020 from XXXX to XXXX. I am not responsible for any of this debt and I want it removed from my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-11 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
TransUnion recieved my dispute on XX/XX/2021. There was no investigation opened nor was I informed of any results.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation