vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
On or about XX/XX/XXXX, my current mortgage managing company NewRez which doubles as a collection agency ( which XXXX XXXX, our original mortgage provider, sold my mortgage to ) received by overnight mail two months worth of mortgage payments by a non-profit. I called the customer service number to verify receipt, which they confirmed, and to remove auto pay from our account. NewRez stated my next payment would not be until late XXXX. On Tuesday XX/XX/XXXX, NewRez without authorization or consent withdrew {$10000.00} from my bank account. I immediately called them and asked why this had occurred. The team lead at the customer service apologized and stated it will be credited back to my account that night. On Friday XX/XX/XXXX, with still no credit showing, I called back and spoke with another team lead who stated that the credit request submitted on XX/XX/XXXX was completed incorrectly and that she would submit a correct credit request, however, it would not worked on until the following Monday since the department that deals with credits was gone for the weekend. I asked her if there was anyway I could get the funds credited to me that day or a checked sent overnight to me as this was NewRez 's mistake through no fault of my own. She apologized and stated there was nothing else she could do. With no further options available with NewRez that placed me in a severe financial strain during COVID, I contacted my bank to dispute the unauthorized charge made by NewRez.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Seattle Service Bureau, Inc
State: NE

Complaint narrative:
National Service Bureau is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: U.S. BANCORP
State: IL

Complaint narrative:
Reopon Complaint XXXX US Bank was notified within 60 days via XXXX in several exchanges : XXXX XXXX. 
U.S. Bank Email Operations Department [ THREAD 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 non-monetary relief
Consumer complaint received 2021-01-26 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: CA

Complaint narrative:
I have a dispute with Equifax that was filed on XX/XX/2020 under confirmation number XXXX. 

Equifax has not corrected the information nor completed the investigation in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NE

Complaint narrative:
XXXX XXXX XXXX is reporting a fraud account on my credit in the amount of {$1600.00}. This is not my account and is the result of identity theft. This is a violation of the Fair Credit Reporting Act and needs to be removed from my credit immediately. This is also a medical bill and a violation of HIPPA. This needs to be removed immediately before I take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: NE

Complaint narrative:
XXXX XXXX is reporting a fraud account on my credit report in the amount of {$430.00}. This is for a fraud electric account that was opened up in my name at an address I have never lived at or been associated with is XXXX XXXX XXXX XXXX, TX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: HYUNDAI CAPITAL AMERICA
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. XXXX XXXX XXXX, Inquiry : XXXX XXXX, 2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2021, I received a credit card from the furniture chain XXXX XXXX XXXX that I had not requested nor applied for. The card was issued by TD Bank, N.A., and came with a {$10000.00} credit limit. 

I called the card issuer to complain and cancel the account. I was referred to their fraud desk, where they did cancel the account ; they will be sending me a confirmation letter within 30 days. Conversation with the representative showed the account was opened on XX/XX/2021. I did not open this account either in person or online. 

Though the matter seems to have been solved to my satisfaction, I understand opening an account without authorization is illegal. I'd like to know how this could have happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
I have been waiting for nearly six months, I have not received my credit report. Have sent over letters on many occasions they have lots of misinformation on my report and they have not updated any information for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. AMEX, Inquiry Date XX/XX/2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
There is unknown collection on my credit reports. Im requested the verification of the collection and the method of verification. PORTFOLIO RECOV ASSOC Opened XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose. My written authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Last XXXX, 2020 Fifth Third Bank agreed to remove a charge of {$990.00} from my account and sent me a new credit card because someone on XXXX had purchased a Virtual Reality Headset on my credit card. It was not me. My husband wanted to make a purchase on XXXX and put in our new credit card number. They proceeded in XXXX, 2020 to put the charge of {$990.00} on my new card. 

I have been fighting with Fifth Third since then to get this charge removed. For some reason, I did receive this unit from XXXX / XXXX XXXX. At the instruction of Fifth Third Bank, I returned the unit to XXXX XXXX and have proof of the return being sent and received by them. 

XXXX did send me a letter indicating my account was compromised and assured me they changed the account back to my information. I sent XXXX XXXX a copy of this letter. I called XXXX XXXX on the XXXX of XXXX. They won't let me talk to the investigators. They said the account had been closed due to time passed. 

So what? the money is now accruing interest and I refuse to pay this bill, I sent back the unit and XXXX XXXX has done nothing!!! 

I have since closed my account with XXXX and do NOT use the paypal account associated with it. As soon as I figure out how, I will close that too. 

I need help! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PENNYMAC LOAN SERVICES, LLC.
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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 noticed that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2021-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I submitted my payment on time but the company said the XXXX is delayed in sending mail. I cant believe that it took XXXX 25 days to deliver mail to them. They charged me a late fee of {$150.00}. I think they are making money of the late fees.

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 2021-01-26 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:
I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.

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 2021-01-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent a 609 letter and it has been 30 days since the company responded. They have not showed me proof that 2 XXXX accounts that are closed/in collections are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2021-01-26 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: CA

Complaint narrative:
Experian just posted that I was late on a payment for XXXX. 

I made my payment and have the screenshot to prove it that will be provided with this complaint. 

My score dropped over 70 points! 

First I paid off my entire balance. And then there were a few charges so I made a payment of {$1100.00} XX/XX/2021 Today is XX/XX/2021 and they said I am 30 days late for a payment. 

How the heck is that possible. 
Its ridiculous. And very much incorrect. This is an important time for my credit to be high because Im getting a house for myself and now with my credit dropping 70 points its making my life XXXX. 

On top of that they still have not done anything about the incorrect collection on my account. This is ridiculous. 

First my credit dropping because of incorrect info about a collection and now 70 points for incorrect late payment? 

Whats going on with Experian

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 2021-01-26 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: IL

Complaint narrative:
Equifax keeps sending mail with my name spelled correctly and when I contact them they state that they did not do that. I am entitled to have may name spelled correctly as I only have ever used one name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: HYUNDAI CAPITAL AMERICA
State: PA

Complaint narrative:
I have made a lease with kia for about 3 years for the Kia XXXX i have taken out.The lease was for 5 years to pay off the car.If for any reason you dont want the car or can not pay it.They give you up to three years so you can take the car back.I was told personally by the person in charge that day, that once i give up the car once the three years comes up i dont have anything else to do with the car, just give it up at the kia dealer, give up the keys, sign the paper and that was it.I made sure i didnt have to pay anything after that and they also checked the car to see for any wear and tear. I was told everything was good to not worry about anything i was good to go.Months pass by and i recieve a letter from Kia Finance stating i owe almost {$3000.00} with a list of things they charging me. I called Mia Dealer and spoke to someone and i was told that they dont have anything to do with it and that they dont know who told me that.They should of told me everything i needed to know before i left, remind you thats not what i was told before i left the car, I was told differently. 
I called Kia Finance which that is where the letter came from and spoke to someone.I was told by them that i have to pay the amount that there is nothing else they can that is what i was billed and thats what i have to pay.I asked if they have payment plans just for incase i have to pay it which i believe in my power i shouldnt be charged especially for false information and the lady told me they dont do that. 
I would like help to investigate why they are charging me and why do i need to pay that money when the information i was told was different.

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 2021-01-26 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will call my lawyer and file a lawsuit if this is not removed ASAP!

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 2021-01-26 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: NJ

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: IL

Complaint narrative:
Chime bank allowed a fraudulent account to be opened in my name. Chime will not close the account despite many attempts in my part to try. You can only contact by email. They ask for much personal information to close the account. I give it to them and nothing happens. You can not speak to a representative. 
I have my credit froze and yet they allowed this account to be opened and now will not close it There is no one to help in this matter. 
Please advise.

Company response to consumer: Closed with explanation