vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-27 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:
XXXX  XXXX. XXXX XXXX, XXXX, CA XXXX XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX, XXXX. 
Reported : XXXX XXXX, XXXX - {$830.00} Needs Attention XXXX XXXX XXXX   XXXX XXXX Reported : XXXX XXXX, XXXX - {$4200.00} Closed The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
I found out that I am a victim of identity theft when a debt collector called me about a credit card payment for an account that I did not apply for. I had no idea what the debt collector was talking about. That prompted me to check my credit report and I found that someone had used my personal information to apply for and get approved for several credit cards that I didn't authorize my personal information to be used for. I tried to advise the debt collector that I knew nothing about the debt and did not benefit from it, but they said they couldn't help me. The XXXX XXXX account and the XXXX XXXX XXXX accounts should be removed from my credit profile because some criminal used my personal information without my permission to apply for and benefit from those accounts.

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 2020-03-27 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: MN

Complaint narrative:
I have requested the emergency loan forbearance through FedLoan Serving 's website due to COVID 19. I am unable to make my XXXX payment due to tight financial circumstances and requested the full emergency forbearance. Despite submitting my request and following up on my request, I received two different emails with conflicting information. I indicated I was impacted on XX/XX/20, yet the President 's order indicates that it is effective XX/XX/20. I had a payment due on XX/XX/20 and in both emails they threaten to report me as late to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of 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 2020-03-27 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: CA

Complaint narrative:
In XXXX of this year, we were reported 30 days late on our XXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XXXX of this year, we were reported 30 days late on our XXXXXXXX XXXX   HELOC to the credit bureaus. I do all my banking via their mobile app and I have been seeing multiple glitches lately. The payment minimum said {$0.00} for the following month and that is why no payment was done. Apparently their app does not update until multiple days later after a recent payment has been processed. That is exaclty what happened in the month of 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 2020-03-27 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: CT

Complaint narrative:
On XX/XX/XXXX XXXX released a refund in the amount of {$91.00} and when you call XXXX XXXXXXXX XXXX they state the have a heavy call VOLUME and then it says they are closed. I contacted them online and received a message to inbox them. I did that on XX/XX/2020. Thousands of people are getting the same message on XXXX and they aren't responding to anyone. I want the credit to my account. XXXX also sent me proof they did the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 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:
Account # XXXX is older than I am. I was born in XXXX this account shows open in XXXX according to XXXX XXXX. No open date disclosed according to Equifax. Not that any of the receding information is necessary but still in all provided more valid reason for deletion. The phone number for alleged account is a non working number. The account history contradicts itself. It shows 100 % on time payments while simultaneously stating 90 days late 16 months consecutively. I am requesting that this account be deleted immediately from my report it is obviously not mines. If not I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I have received a letter from Amsher Collection Services , Inc. regarding the {$120.00} debt I owe from XXXX XXXX XXXX, I want to let you know that I have never had this account with XXXX for a long time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IN

Complaint narrative:
Problem 1 ) I went through chapter XXXX for 41/2 years paid as agreed and when I finished I was told that my trustee didn't pay the correct amount which was XXXX short from the payment, so I agreed to modification for 3 months. 
So I recently receive a statement from their lawyer stating that I didn't fulfill my monthly payments and I couldn't understand why, so I call and Bayview Loan servicing the customer service agent stated that I didn't make my XXXX payment in which I did but I paid it early on XX/XX/2019.the, and that was the reason why modifacation wasnt approve. 

Problem 2 ) So after that I immediately, call my my bankrupt attorney and still awaiting a response, it was an hearing on this issue on XXXX XXXX from chapter XXXX federal court that I receive a copy in the mail indicating a hearing had taken place over the phone from the Federal bankrupt court. I have proofn that I made all of my require payments and I'm awaiting a response back from Bayview Loan servicing .please I need your assistance Bayview Laon Servicing Loan #. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In XXXX XXXX home XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
Convergent is reporting a debt owed on my credit report that I have repeatedly informed convergent and the credit bureaus that the debt is not mines. I have submitted disputes to the credit bureaus asking them to validate the debt. The 1st initial dispute they responded back that the debt had been validated and put comments on my credit report debt validated/consumer still disagrees. I contacted them and asked in what way did they validate debt, who did they validate with and could they send me copies of all documents which made them come to this decision. They never did. I later receive mail.from convergent the debt collection agency with 1 page of a phone bill from XXXX with my name on it and four phone numbers that I have never seen in my life and they have a box checked off stating the debt IS valid. I called convergent and spoke to a rep. The rep.stated she could NOT find an account with the account # I gave her. I called XXXX they said once again it was validated .... I called convergent and spoke with a young lady who asked for my ID # and ssn. And birthdate. I believe I gave her my birthdate but none of the other information she requested because she stated she would not be sending me any of the documents or information I requested.I have disputed this item numerous times month after month and they keep saying its validated without showing or providing me any proper proof. I believe my rights have been and are being violated. Every time I dispute it seems they change the original reporting date

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We got the Citi Premier Card, which had a promotional offer ( XXXX reward points after spending {$4000.00} in the first 90 days ). 

WITHIN the first 90 days, we spent {$4000.00} and called Citi and spoke to a Citi Thank You Points representative, who represented and confirmed that we met the conditions to receive the XXXX reward points and that we would receive the XXXX point after the billing cycle was complete. In reliance of the Citi representative 's representations, we stopped using the card. 

AFTER the first 90 days was complete and the following billing cycle passed, we checked our account and did not receive the XXXX points. When we called Citi, the representative advised us of the complete opposite : that we didn't meet the conditions to receive the XXXX reward points. In fact, the Citi representative told us we didn't meet the conditions by {$8.00}. The Citi representative acknowledged the mistake by the last representative and told us to file a claim. We filed a claim over the telephone. 

We have called Citi multiple times and waited on hold for hours and hours to followup on the claim and have finally been verbally advised that the claim has been denied. We have been given no basis for the denial - and we keep getting the run around. In fact, on XX/XX/2020, after being on hold for 1.5 hours for three times, each time after the Citi representative purposely hangs up the phone - we still do not have any explanation for the denial nor any relief for the fact that a Citi representative told us we met all the conditions. 

I am astonished that a bank can make representations which are completely false and get away without giving its customer the rewards that they promise.

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 2020-03-28 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE NOT GOTTING ANYTHING BACK AFTER TWO TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My complaint is the scamming techniques they use at citimortgages with loan officer XXXX mortgage license XXXX my wife and I gave our financial situation and that we have second mortgage and our income. All the facts to know if we are a good business or not. He promised us a rate for our first mortgage Only of 3 % and a loan payment of XXXX per month no PMI, that was the main reason we want to refinance we were hesitating to run our credit. We paid him an application fee of XXXX dlls. The next day he came with a total different story stating that our debt to income is to high and that he need to consolidate all our debt, he start swirling The situation thats is ilegal. Its called bait and switch. And that was the only solution to do business. It is very disgusting the way that some one that presume 10 yrs of experience in mortgages can use this unethical tactics to try to earn a business. Call was recorded.

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 2020-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
During the hardship of millions of people due to the Corona Virus situation. Citi Simplicity Card, ( Address XXXX XXXX XXXX, XXXX, Arizona, XXXX ) does not answer or respond to consumers. Consumers are left on hold for hours and if you finally get through the line is disconnected and there is no call-back. This has been happening between the dates of XX/XX/XXXX through XX/XX/2020.

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 2020-03-28 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: NY

Complaint narrative:
We have made several attempts to correct a error on my credit report and the cra refuses to investigate or correct a problem on my report. I have reached out to the source of the info and have received the following reply. 
They have confirmed that this is not my account and it should be REMOVED IMMEDIATELY. 
I have said this over and over again the the credit agency and still they have refused to do a proper investigation. Attached is a letter from the account listed on credit report. 
PLEASE REMOVE XXXX  ACCOUNT FROM MY REPORT IMMEDIATELY. 
Proof Attached.

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 2020-03-28 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE NOT GOTTING ANYTHING BACK AFTER TWO 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 explanation
Consumer complaint received 2020-03-28 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE NOT GOTTING ANYTHING BACK AFTER TWO 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 explanation
Consumer complaint received 2020-03-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I received an email alert from my credit card company regarding a charge from Bloomingdale.com for the amount of XXXX. I immediately contacted my Citibank to inform them that the charge was not me and to place a block on my card. I also attempted to contact Bloomingdale customer service on the same day to inform them of the fraudulent purchase. But was unsuccessful reaching someone because the company had been closed due to the Covid-19 situation. I tried calling everyday until I finally got someone from customer service today. Which was very unhelpful. I had to call the company 3 times trying to resolve this matter. But all three times the representatives would ask me for an order number on a purchase I never made. I received nothing but the run around from Bloomingdales. So I decided contacted Citibank again to file a dispute. And according to Citibank customer service rep it would be faster to contact the merchant and file a dispute with them. Because it's going to take up to 8 to 10 weeks to resolve the dispute with Citibank. Right now I am frustrated and upset becauseI don't know what to do at this point.

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 2020-03-28 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ONEMAIN FINANCE CORPORATION
State: MD

Complaint narrative:
I have been battling XXXX for 2 years while caring for a baby as a single mother. Unfortunately I got behind on my bills and one bill  collector located in XXXX - XXXX, XXXX and XXXX ( XXXX XXXX XXXX, XXXX, MD XXXX ) has been especially aggressive and nasty in pursuit of collections. On Tuesday THIS WEEK -- in the MIDDLE OF THIS CRISIS I was purchasing groceries at the grocery store and my card declined. This collection firm emptied my bank account to - {$11000.00} in the middle of a crisis. I do not work and the money they collected was my XXXX payment. They did not leave me with a single penny. NOTHING to purchase essential food items for me or my child. They have since attached my bank account. No money for food and basic necessities, no access to the {$750.00} I had to care for myself and my child. HELP! I am still on XXXX for XXXX. I have never heard of such an unkind form of behavior in my life. I am very afraid for me and my child 's well-being. I do not know if you will get this message or be able to offer help, but it would be so appreciated. I am afraid and I feel attacked by this company during a VERY stressful time in my life where I am afraid for my health and life.

Company response to consumer: Closed with monetary relief