vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX XXXX  and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

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 2020-05-06 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: NJ

Complaint narrative:
ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE.

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.

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 2020-05-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I am in the process of refinancing my mortgage. I pulled my XXXX credit report and discovered my credit scores dropped from XXXX to XXXX. Upon further review of my credit report, I discovered that on XX/XX/2020, XXXX sold a {$78.00} medical debt to : Credit Collection Service P.O. Box XXXX XXXX MA XXXX Credit Collection Service reported a {$78.00} unpaid medical bill ( for lab results ) to XXXX. I reviewed my  XXXX invoices to try and match the Account/Invoice numbers with my XXXX invoices, and could not find a match. On XX/XX/2020, I called XXXX at XXXX Billing and spoke with XXXX. I gave XXXX the Invoice # s and amount owed XXXX {$78.00} ). I stated that it is a violation of the HIPAA law to report outstanding medical debt, and asked why it was reported to XXXX credit bureau. XXXX checked and could not find a match. She also stated they didn't care about violating HIPAA laws and that they report everything, a instructed me to call the Credit Collection Service. I have left messages on XXXX.20 and XXXX20 and have not received a return call. The Lender ( XXXX XXXX ) will not proceed with my refi until the debt is removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: SC

Complaint narrative:
I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I have a Target Credit Card and my credit limit is never increased when I make a payment only until I call and have them verify with the bank that the payment has gone through. I would completely agree with that, but currently I am waiting on payments to reflect to my credit availability going on seven working days. I have discussed this with Customer Service and they refer back to Target Credit Card Agreement which states " We may delay restoring your available Credit Limit in the amount of the payment to make sure we receive the funds. '' However, when I ask what process that is used to ensure my funds were received, they can not answer that question, but become insistent that we do a conference call to verify the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: ONEMAIN FINANCE CORPORATION
State: TX

Complaint narrative:
I did not authorize anyone employed by One Main Financial, or the two agencies copied, to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with the 3 parties above, and including multiple complaints with the Consumer Financial Protection Bureau, and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX  ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days from this complaint, may result in a small claims action against the 3 parties, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting This was reported immediately from the alerts yesterday again, and placed a security freeze to my credit file. Amazing inconsistencies against reality about an inquiry for a secured loan, when I do not own personal cars to secure anything. Using my mothers maiden last name for an inquiry instead of my last name, or even both ( one followed by the other ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2018. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau TransUnion, XXXX  and XXXX for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX Bank. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

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 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
XXXX : CITICARD XXXX ELITE PLATINUM SELECT XXXX XXXX XXXX XXXX 1. I made use of a 0 % balance transfer/purchase rate from Citicards a few months back with the understanding it would expire in XXXX, 2020. 
2. In the meantime, I have never made late payments and have been an outstanding customer for Citi over the years.

3. I had about {$5600.00} on the card in XXXX, whose promo rate was set to expire in XXXX. I proactively called Citi customer service and spoke with a manager and asked about extending the low interest rate or any other savings options available in light of COVID-19 4. I was advised in that ( recorded ) phone call that I would need to call back in one month when the cycle had ended, so that I could obtain relief. Relief measures included extending the same low interest rate for a few more months or transferring me over to a similar, low rate ( close to 0 % which was currently on the account ). 
5. I asked the agent to make notes in their system reflecting my detailed conversation.

6. I duly called back on XX/XX/2020. The agent advised me that there were no notes in the system reflecting any of my previous conversation or request in XXXX. 
7. I asked to be transferred to a supervisor. I was given a supervisor by the name of " XXXX '' with whom I spoke ( after obtaining clearances to speak as an " authorized user '' on the account ). 
8. XXXX told me there were no notes in the system and that she was unable to grant me any offers ( either as extensions or as low rates close to what I had been using thus far ).

9. Considering that I was specifically promised relief and considering Citi 's own self-announced relief for cardholders, and considering that I had not been in default, and considering my card loyalty for many years, I found Citi 's position aggressive, unyielding, tone-deaf and patently unfair. 
10. I am asking that CFPB investigate their behavior, summon all records needed, and make a determination as to their representations in this matter.

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 2020-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I contacted the SPS mortgage servicing company to request a mortgage loan forbearance due to work closure on XX/XX/XXXX. 

My mortgage loan was transferred from XXXX XXXX XXXX as of XX/XX/2020. After registering as a new customer with SPS, I immediately asked for a forbearance due to my job situation. I also sent two emails to my account 's Relationship Manager on XX/XX/XXXX and XX/XX/XXXX respectively. Those emails were never returned. I also sent a letter dated XX/XX/XXXX outlining my concerns about the proposed forbearance plan and my objection to the agreement. 

Although approved for the forbearance, a balloon payment was to be required in month 4 of approximately {$12000.00}. If I am asking for a forbearance now, how does SPS expect me to make a large balloon payment 4 months later? When I called a spoke to an SPS representative, they could only tell me that " some options '' would be available to me within 30 days of the forbearance plan 's end date. I pressed the representative for answers but all I got was excuses and confusion. 

At that point, I asked that the forbearance plan be cancelled. I told the SPS representative that the CARES ACT does not authorize mortgage lenders or servicers to add on balloon payments at the end of a forbearance period. Again, I received no assistance but excuses. I also made note of the CARES ACT provision within my XX/XX/XXXX correspondence to SPS. 

SPS has no interest in helping struggling homeowners. I request that your organization hold them accountable for not providing solid solutions for homeowners during this COVID-19 crisis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06 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: AL

Complaint narrative:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, XXXX and Experian for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

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 2020-05-06 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: NJ

Complaint narrative:
ALL OF MY CREDIT REPORTS HAVE NOT BEEN UPDATED AS OF XX/XX/XXXX MY CREDIT SCORE IS REFLECTED BY NOT REMOVING PAST ACCOUNTS I HAVE PAID DOWN DEPT AND IT IS NOT REMOVED FROM MY CREDIT REPORTS I AM TRYING TO GET OFF OF A ADJUSTABLE MORTGAGE BUT KEEP GETTING TURNED DOWN BECAUSE OF A LOW CREDIT SCORE. 

IN XXXX I SUBMITTED A COMPLAINT TO THE CFPD AND IT WAS INVOLVING ANOTHER MEMBER OF MY FAMILY AND THE THE TRACES OF THAT COMPLAINT HAVE BEEN CLOSED BUT TRACES OF THOSE ACCOUNTS STILL ARE ON MY CREDIT REPORTS.

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 2020-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 explanation
Consumer complaint received 2020-05-06 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: NY

Complaint narrative:
There are four inquiries that have passed the removal date without being removed! 

XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Auto Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Again - this is effecting my credit score!

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