vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 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: GOLDEN 1 CREDIT UNION, THE
State: TN

Complaint narrative:
When I presented my complaint to the card business, I was told it would take up to three months to resolve the issue. My assumption was that someone had used my credit card number. 

My credit card statement dated XX/XX/2020 showed a charge in the amount of {$1500.00}, that was posted on the statement XX/XX/XXXX, made by XXXX XXXX XXXX The telephone number was XXXX CA, with a reference number following. It was a bogus number. 

I disputed the charge, and the transaction post date was shown as XX/XX/2020. The terminology used is as follows : DISPUTE ADJ TO ACCOUNT {$1500.00} with reference number following, but no minus sign. 

On post date XX/XX/XXXX, again : DISPUTE ADJ TO ACCOUNT {$1500.00} with the same reference number as XX/XX/2020 but this time, with minus sign. It was explained to me at the time that an error was made by listing the {$1500.00} twice, but was unable to explain why the minus did not show up for the second listing. 

On XX/XX/2020, I received a letter from the resolution team for the card company that reads as follows : " The credit previously issued to you, in the amount of {$1500.00}, is now considered permanent and this notice serves as a final resolution of your claim .... '' I was not given any reason for the charge on my account, or that any investigation was done. 

However, I have learned that the telephone number for XXXX XXXX XXXX is bogus, and I believe this card company I'm with do not have the tools with which to " catch a thief '' My record shows that I pay all bills that belong 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 2020-07-17 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: GA

Complaint narrative:
To Equifax Escalation Department : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. Out of an abundance of caution and in accordance with the Fair Credit Reporting Act I request the following : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] paragraph ( 6 ) ( B ) ( iii ) a  notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am CLEARLY requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( Previous request not honored ). And as the following items can not be verified, please delete them from the credit file ( hoping that this is clear ). Your lack of meaningful response seems to be an obstructionist tactic : ACCOUNTS DEPT OF ED/XXXX XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine/inaccurate DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX   XXXX not mine DEPT OF ED/XXXX XXXX not mine DEPT OF ED/XXXX  XXXX not mine DEPT OF ED/XXXX   XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. 
( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation. 

Identification already on file. Please send a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block etc. on my file without my expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Nelnet, Inc.
State: VA

Complaint narrative:
Department of Education/Nelnet is reporting 20 different accounts each with XXXX, XXXX & XXXX, with a late payment in XX/XX/2019. All of these accounts were in forbearance until XXXX of XXXX and then consolidated in XX/XX/2019 and paid in full. They were never late, and then paid in full and should show no derogatory indicators. Between the 3 bureaus, they are reporting 60 derogatory indicators. I have disputed with all 3 bureaus. XXXX marked them as included in my ch XXXX bankruptcy that was done in XX/XX/2019 AFTER this loan was paid in Full ( WRONG ). XXXX & XXXX   marked that they were confirmed as reporting correctly & changed nothing ( WRONG ). I have attached documentation from the department of education showing these loans were in forbearance while I was in ch XXXX bankruptcy from XXXX & then were placed in a forbearance & did not enter repayment until XX/XX/2019. They were paid in full through consolidation on XX/XX/2019. This issue is shredding my credit & I need it corrected immediately. The servicer ( Nelnet ) needs to check with the department of education and correct the dates in their records because they are wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: MA

Complaint narrative:
Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX, XXXX, XXXX has since XX/XX/2020 been repeatedly harassing me, inspire of my repeated attempts to establish the fraudulent claim through both their agency and XXXX XXXX, by mail and phone to collect a fraudulent debt for {$4700.00} ( file # XXXX ). I have spoken with both them and XXXX XXXX and filed fraud complaints and spent well over 6 hours trying to resolve the issue. Most recently they have filed a report against my credit rating per their report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: TX

Complaint narrative:
That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ),  my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by XXXX XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX and TransUnion Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of XXXX  XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that XXXX XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of XXXX XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and XXXX 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 2020-07-17 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have the POA for a friend and have been monitoring her bank statements. Over the last year there has been an auto-payment every month to Citibank. We do not know what the payments are for since she receives no statements from Citibank only notifications of the next payment due. 

We tried to access the account online, but was told that the account was locked. We then called them to unlock the account. After repeated attempts during which we were told that there was a " ghost ID, '' we were unable to have them unlock the account for us. Instead they offered to read us the charges against the account, but the line went dead and we received no further information. 

We are afraid the card has been stolen and the charges are fraudulent, but Citibank does not care.

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 2020-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Exeter Finance, LLC.
State: ND

Complaint narrative:
I have been making my payments on time and have the bank statements to prove that the loan payments are being made and on time. It is an automatic with drawl payment from my account to them. The finance company is EXETER and XXXX XXXX where I bought my vehicle is the ones who got me financing through that company. I was greeted by a tow truck operator at home today as he let me get my personal belongings out of the vehicle because I was informed he was repossessing it for no payment. The tow truck operator informed me as well that half of his inpound lot is full of vehicles from this company for the same reasons of people making their payments and having proof yet their vehicles are being repossessed. The company told me when I called them that they would have to wait for the paper work from the towing company before they could update records and let me have my vehicle back even though I sent them my banking records showing them that the payments were made to them. 

This cant be right or legal to do to a customer. I have 4 kids and needing to get to the store and errands ran as well as to their perspective locations. And now here I sit as a single mother with no vehicle because I was trying to do the right thing and make payments on time. Please help so no-one else has to go through these same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Commonwealth Financial Systems XXXX XXXX XXXX XXXX XXXX PA XXXX : ( XXXX ) XXXX continues to report a medical collections of {$560.00} and provided the original creditor of XXXX   XXXX XXXX. I have several emails with a representative from XXXX XXXX XXXX stating that they do not have my information in their system and this debt does not belong to me. XXXX  has removed this collections account, however ; XXXX  continues to report this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: CA

Complaint narrative:
I was trying to set up an payment arrangement the rep that told me was the payment schedule and the amount. but i got the bill different so when i called them back they said that their maybe some extra charge after the last payment. i been asking them to sent me contact never have one. i been told totally different. they are rip off.

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 2020-07-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have asked PNC bank ( PNC bank student loan service XXXX XXXX XXXX XXXX pa XXXX contact XXXX XXXX XXXX phone XXXX ) to remove my name as co-signer from a student loan from 2017 for XXXX XXXX XXXX XXXX I have made repeated attempts over the last 2 years to resolve the issue with PNC bank. The loan was for XXXX disbursement date XXXX17. 
I received no benefit from this loan. I was under psychiatric care at the time and not taking medication. I was under duress from an abusive spouse that bullied me into signing the loan. 
I state that I was under duress at the time of the loan and wanted to follow a formal dispute process and have third party arbitration of the issue. I asked that they send me their dispute process. They have not and will not divulge the dispute process and will not remove my name as co-signer. They will not submit to third-party arbitration. 

Contacts at PNC I have had conversations with XXXX XXXX  - XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX My contact information is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ohio XXXX XXXX cell

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo was offering 3-month mortgage forbearance due to Covid-19 so I did not make mortgage payments for XXXX, XXXX and XX/XX/XXXX. I called in XXXX and was told those 3 missed months would be added on to the end of my mortgage. I was told to resume normal payments in XXXX. My balance at that time was $ XXXX. 

When I logged into make my XXXX payment, there was weird activity on my account. My principal balance had decreased to $ XXXX and then increased to $ XXXX. I've attached a screen shot of my mortgage activity from XXXX. I tried calling Wells Fargo on XX/XX/XXXX but no one could explain this to me. I was on the phone for 2 hours and transferred 4 times. I finally submitted an email to the company. 

I received a response on XX/XX/XXXX that my question couldn't be answered over email and that I had to call. Once again, I've been transferred and on hold for over an hour and no one can explain it to me. 

I don't understand why my balance was increased. It should have stayed the same and my loan should have been extended by 3 months. Otherwise if my loan is extended and my balance increased, I'm being double-charged.

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I cancelled an automatic mortgage ( loan Care LLC ) payment due to issues with my bank account. I submitted a one time payment to cover my mortgage. Although my auto draft was cancelled the servicer still took the funds from my account. I called in the morning of XX/XX/2020 to let them know I need the funds returned immediately ( I mentioned that I needed the funds returned that same day multiple times and the representative did not say it was not possible ). I submitted the request per their instructions and received no update. I called back the same day for a status update and they told me it would take 10 to 15 days to process ( information that, if I had it before, could have made a difference as I could have wired money before the wire cut off time ). I asked to speak to the supervisor and she said it's not 10 to 15 days ( at this point I have been given 2 pieces of wrong information ), I asked what they are going to do to fix this and the supervisor kept repeating that their is a process but did not offer any other solutions. Access to the funds ( which I could have gone around had the first representative told me it was not going to happen same day ) was very crucial for me and now I am in a difficult position because I have bills due that I can not cover right away.

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 2020-07-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
i checked my credit report and ARS account resolution was listed on my report and i reached out to this company to provide me details on this account and they were unable to verify my information and i never received any notice from this company. 

I have the same exact name as my father and son and they were unable to verify my information correctly and yet they are still on my credit report reporting negative unverified information! 

This is hurting my credit score during a global pandemic and i'm unable to get credit when i need it the most to help my family during this time. 

This is against the FCRA to place unverified information on a consumers report and they didn't even send out any notices pertaining to this account. 
Unfair!

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 2020-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
In XXXX of 2020 I started the process of refinancing my mortgage with NewRez LLC. On XX/XX/2020 the appraisal was ordered, which I paid. Since that day, I've heard from the mortgage company, maybe 2 times. I've called multiple times, left multiple messages, sent multiple emails to XXXX XXXX and XXXX XXXX with no response. Nothing, no call, no email. It's now XX/XX/2020 and still nothing. I have no idea what's going on with my refinance. They've already extended the lock in rate once, however, that was a month ago. I would like for someone to explain to me what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV - AKA Resurgent - Reporting XXXX  XXXX - XXXX I have spoken to XXXX XXXX - There is NO ACCOUNT in collections - I have 5 XXXX   XXXX Accounts all with perfect history LVNV - According to court records, This is not their name - They went Bankruptand have hundreds of complaints and lawsuits * They report NO acct number States acct opened in 2017 - I was hospitalized the entire year XXXX XXXX would not grant me credit if this was true * I asked LVNV to furnish me any and all documents IDS, SS Card or any other DOc - I would file ID THEFT if they provided This is NOT the 1st time they have reported fraudulent info on me and maybe someone inside their organization - Please delete this account from XXXX XXXX, XXXX immediatly

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2020-07-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my report.

Company response to consumer: Closed with explanation