vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MO

Complaint narrative:
NewRez Mortgage Co states that I am missing a payment but the money has been deducted from my account when I try to call I get fast busy signal Payment out of checking account XX/XX/XXXX, XXXX On XX/XX/XXXX, at XXXX XXXX, NewRez Servicing XXXX wrote : This is a courtesy reminder that Newrez does not have a record of receiving your current monthly payment. If you have not done so yet this month, please sign in to your online account to make this payment as soon as possible. You can also call us at XXXX to make your payment via the automated line. 

Sincerely, Newrez Servicing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Bank said account was always overdrawn 
Charges that wasnt mines 
Overdrawn fee

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 2023-04-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened a high yield savings account with Citibank online banking in mid XX/XX/XXXX. I made several deposits into the account quickly thereafter, totaling an amount of {$8500.00}. I received a phone call from their fraud prevention department to confirm my identity which I did and I was able to continue with my account. Then, on XX/XX/XXXX I attempted to make a wire transfer from my Citibank account into another bank account in the amount of {$8400.00}, it was denied and I received an error code XXXX stating I was not allowed to proceed due to security reasons. I tried to make an instant transfer of less funds ( {$1500.00} ) back to the my original bank account where deposits were made to fund the citi account, but again was met with the same error message. I called customer service on XX/XX/XXXX and was told that it was a maintenance issue and to try again the next day. I attempted the transfers again on XX/XX/XXXX and again had the same error message. I called customer service and was routed through 6-7 different customer service representatives who all had different stories as to why I could not complete the transfer. It ended with the fraud department trying to verify my identity yet again to which they then stated they were unable to verify my identity, even though this verification had previously been completed in order for me to fund the account in the first place. I then spoke to a supervisor who stated the only way to verify my identity would be to wait for them to send me a letter in the mail with a code. Now my account is completely locked and I can not access my money. I kept asking why this block was placed on my account and they stated they could not disclose that information even though I could provide my SSN, DOB, account number, card number, etc. every piece of information they could possibly need to verify my identity was provided and they still refused to unlock my account. At this point I just want my money refunded to the original account I made the deposit from.

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 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Delete fraud alerts off of my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR 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 non-monetary relief
Consumer complaint received 2023-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Delete fraud alerts off of my credit XXXX : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXXXXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: EOS Holdings, Inc.
State: MD

Complaint narrative:
I disputed the information with the company. They maintain that it is mine and should remain reporting on my credit report. EOS CCA Account XXXX XXXX. The date it was open was XX/XX/XXXX. I was not living in the United States and it is impossible for me to have opened this account. I lived abroad in the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. The balance on the account is {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank closed my account without notification and the reasons that they used to close my account would generally apply to someone opening a new line of credit. They claimed that because my debt was high on my other cards and a lack of first mortgage information was the reasons for closing my account. I had not used the card in several months due to the fact that the closest store where the card could be used is in Delaware and I live 2 hours+ XXXX of that location in XXXX. I asked them to reopen the account and they said that I could reapply for a new account, but they can't reopen my old account, which had a {$3500.00} credit limit. They also claimed that they were not in control of the decision to close the account and that it was due to the XXXX credit report they received and the score they used was 4 months old in XXXX. During that time, I was in the process of purchasing a home, which is why the debts on my other cards are significant. If this is going to negatively affect my credit score, then they have impacted not only a financial future, but also my credit utilization rate and everything else associated with it. I am also still recovering from filing a bankruptcy 4 years ago and having another negative mark like this is not going to help matters. The only notification I received was on XX/XX/23 telling me that the account had been closed on XX/XX/23.

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 2023-04-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
On XXXX, I received a bill from a company called " Aidvantage '' ( XXXX XXXX XXXX XXXX, TX XXXX ) in the amount of {$96.00}. It stated it was a current amount of " INTEREST DUE '' for an account # XXXX. I have NEVER any type of loan with them! It further stated there was an unpaid principal of {$10000.00}. The bill also has a logo for the US Dept of Education in the top upper right hand corner. Their contact phone number is XXXX. I contacted them on XX/XX/XXXX at XXXX XXXX  and it first asked for my account number or social security information. I entered the account number. Then asked for " customer service. '' The line then dropped the call. 
This bill is absolutely fraudulent. My parents fully paid off my student loan years ago and even when you look at the student.gov website it does verify that my balance is XXXX. 
This company is trying to say I have an outstanding {$10000.00} balance and now is trying to collect {$10000.00} plus interest according to an interest schedule they also provided, thus explaining the first fee of {$96.00}. 
They are requesting my payment be sent to : Aidvantage- Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX OR XXXX I would be happy to provide any other information you need to prove this fraudulent claim. Thank you for your assistance regarding this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
My pocketbook was stolen with my social security card, Identification and other documents of personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
My pocketbook was stolen with my social security card, Identification and other documents of personal information

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 2023-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.

Complaint narrative:
SANTANDER CONSUMER USA Set direct deposit with Santander Consumer USA through XXXX XXXX XXXX. 

Santander Consumer USA didn't mail statements or notices to Address. They never reach the customer. We spoke to XXXX XXXX  to insure the direct deposit was there. 

Contact the Post Office and the carrier the statement weren't send to the address ' Santander is local in XXXX Texas I have a land line I live at my resident for 40 years and Bank at XXXX for 35 years I get my mail for my other bills etc. 

I wasn't told of any problems through call mail or other Poor communication on the part of Santander

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-04-10 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: CA

Complaint narrative:
The credit reporting company did NOT investigate the disputed matter against XXXX XXXX XXXX XXXX. Had a proper investigation taking place the credit reporting company would have discovered that this debt was apart of a bankruptcy in XXXX and XXXX XXXX XXXX obtained the debt after Friday court on XX/XX/XXXX. On my XXXX and TransUnion credit report, the date of the debt is incorrect and allows the company to report the debt longer than legally allowed. Additionally, this debt was from a homeowners association ( XXXX XXXX XXXX  ) that was paid in full when the home sold in foreclosure in XX/XX/XXXX. The home was sold and the debt was transferred before they realised the sale and record deed in XXXX of XXXX. This XXXX XXXX XXXX XXXX WAS APART OF A FORECLOSURE. This is easy information to obtain had the XXXX and TransUnion ACTUALLY investigated the matter, which they did not.

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 2023-04-10 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: SC

Complaint narrative:
On XXXX. I disputed the following information with XXXX, XXXX, and Transunion PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX  Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of XXXX  investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to XXXX  on what 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 non-monetary relief
Consumer complaint received 2023-04-10 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: SC

Complaint narrative:
On XXXX. I disputed the following information with XXXX, Equifax, and XXXX PREVIOUS ADDRESS : There are 2 address reporting that are not associated with me. 

. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/ Please remove it from my credit report. 
6. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX  Please remove it from my credit report. 

10. Per 15 UC code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 
XXXX Please update to never late 11. 15 U.S. Code 1692g - Validation of debts XXXX Please remove this inaccurate information. 

12. Per 15 US code 1681s-2 Responsibilities of the furnishers of information to consumer reporting agencies. 
XXXX Update to never late 13. Inaccurate reporting-reporting a past due amount on a closed/charged off account. 
XXXX XXXX XXXX line of credit. 
Please remove it from my credit report. 


Instead of experian investigating, they respond with a letter accusing me of using a Credit repair agency. I'm an informed, and educated consumer. The letter which is attached to this complaint is a clear violation of the FCRA. These items need to be investigated immediately, instructions have been provided to experian on what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I contacted Honda Financial Services to get my payoff on my loan today XX/XX/2023 so I could go pay it off and talked to XXXX and she refused to give me the payoff!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 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: PA

Complaint narrative:
My pocketbook was stolen with my social security card, Identification and other documents of personal information

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 2023-04-10 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: AZ

Complaint narrative:
I am writing to delete the following information in my file. The items I need to delete are listed in the report. I am a victim of Identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my Identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade commissions Identity Theft affidavit. Please delete the items as soon as possible.

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 2023-04-10 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CO

Complaint narrative:
On XX/XX/ I purchased a vanilla visa gift card but that barcode on the back on the card was missing. I called the number on the card to see if I could still use it and they told me that they would have to send me a replacement card. I was told it would take 3-7 business days to receive it. I called back after 7 business days and was told that it actually takes 7-10 business days to get the card. I called back after 10 business days and was told that my card was mailed on XX/XX/XXXX and that I should receive it between 7-10 business days. I never received so on Friday XX/XX/2023 I called back to see why I haven't received my card. I was told to give them 24-48 hours and if I still didn't have it to call back. I'm currently on hold with the card company after being told that my case wasn't processed until XX/XX/XXXX and that it'd be 30 more days before I receive my card. I'm sending that card with my daughter on vacation. I don't have 30 more days to wait and now I'm out of {$100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
On XX/XX/2023, LNVN Funding received a police report and an identity theft affidavit via certified mail # XXXX ( see proof of delivery attached ). After speaking with Representative, I was told that nothing had been received and therefore no actions would be taken regarding the debt. 

LNVN Funding is not in compliance with FCRA because they are ignoring the police report and identity theft affidavit that was received.

Company response to consumer: Closed with explanation