vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank promised a new account promotion for {$400.00}. It should reach to my account by XXXX. Please see attached letter sent by their research team. But the same money has not come to me yet. I did many follow up with their customer care but none of them are helping.

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 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
This complaint is in reference to a time-barred student loan reportedly opened on XX/XX/XXXX, which went into default in XXXX. This account is reported multiple times on all three credit reports as separate names. See below for multiple names. Also indicated, is which credit report the account is on. I have also attached my credit reports for reference. XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX Campus Partners, XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. Through many dispute attempts, I was unsuccessful in removing the duplicate accounts. 
XXXX is the only updated bureau. There has never been a payment or payment agreement on this loan, nor any additional documented activity. Therefore, this loan is past the statute of limitations, and due to the age, ten years, should also have been removed from my credit reports. If there is documented proof that the statute of limitation was reset, I am formally requesting the proof. If I do no receive this information, I will consult legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I HAVE LOOKED OVER MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES AND ALSO FOUND SOME NEGATIVE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES AND NEGATIVE ACCOUNTS HAVE CAUSED SO MUCH HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA WHO WAS ABLE TO DO THIS AND HOW IT WAS DONE. I AM CERTAIN THAT THE INQUIRIES AND NEGATIVE ACCOUNTS BEING DISPUTED DOES NOT BELONG TO ME. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND NEGATIVE ACCOUNTS AND HAVE THEM REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. MY CREDIT HAS BEEN DAMAGED BY SOMEONE WHO STOLE MY IDENTITY AND I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
For covid19 I called Td auto finance to ask for a payment deferment. They agreed to give me 2 months with out payment and they would just extend my loan 2 months and not report me late on my credit. 

They infact reported me late and are now have their collection department calling me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MIDWEST EQUITY MORTGAGE, LLC
State: GA

Complaint narrative:
XX/XX/XXXX - XX/XX/XXXX, we submit two applications for a refinance. the first one fell  through because they were too slow. Tried again, and they pulled my credit scores at least twice which causes my score to dip, which causes them to deny my application. 

XX/XX/XXXX - submitted application for a JUMBO refinance loan to XXXX XXXX XXXX, XXXX : XXXX, including all required documents. 

XX/XX/XXXX - receive paperwork to sign, which had errors in it, contact broker, but no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - finally respond, but paperwork issues are still not addressed XX/XX/XXXX - reach out with question about appraisal, no response XX/XX/XXXX - reached out again, with response XX/XX/XXXX, XXXX weeks later - because of the slow movement, banks are no longer lending. talked into an ARM refi, which we agree to on XX/XX/XXXX. 

XX/XX/XXXX - all documents are gathered and submitted XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, response XX/XX/XXXX - reach out, no response XX/XX/XXXX - reach out, no response XX/XX/XXXX - moves to underwriting XX/XX/XXXX - conditional approval XX/XX/XXXX - no word, i reach out XX/XX/XXXX - am told that our application was denied due to credit scores lowering, which were pulled TWICE because of their slowness. 

XX/XX/XXXX - reach out, ask if this deal is dead, no response XX/XX/XXXX - reach out again, no response

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: CA

Complaint narrative:
My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED 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 2020-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NY

Complaint narrative:
The servicers in question are XXXX XXXX XXXX XXXX XXXX, XXXX, and Heartland ECSI. 

Loan servicers Heartland ECSI and XXXX have misplaced funds totaling {$6500.00} that is owed to me. 

On XX/XX/2020, I applied for a consolidation of a federal XXXX loan held by the XXXX  XXXX XXXX XXXX and serviced by Heartland ECSI, and selected GSMR as my servicer. 

On XX/XX/2020, I paid the XXXX loan serviced by Heartland ECSI in full, as I never heard from Navient about my loan consolidation. 

On XX/XX/2020, weeks after the loan was already paid in full by myself, Heartland ECSI received a payoff from XXXX, thus meaning that I had a credit of {$6500.00}. The same day, Heartland transactions show a debit of that same amount, but with no details. A customer service agent claims that Heartland refunded the money back to XXXX. However, XXXX went ahead with the consolidation and pushed the loan to XXXX XXXX XXXX XXXX XXXX, which had a loan balance of about {$6500.00} added to it, which is a new liability for me although I paid the XXXX loan in full already on XX/XX/XXXX. 

On XX/XX/2020, I called XXXX, and they know nothing about a refund from XXXX. Heartland claims they can not provide documentation to prove it was sent to XXXX, so XXXX will not give me my money back or look into it. Heartland has not sent me any official paid in full documentation or otherwise. Heartland has not provided any timeline or support in getting me documentation of this alleged transfer of money back to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED 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 2020-05-22 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: NJ

Complaint narrative:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collins Asset Group, LLC
State: IL

Complaint narrative:
The agency " COLLINS ASSET GROUP , LLC '' acting as a 3rd Party Debt Collector has sent multiple notices attempting to unlawfully collect on an alleged debt has provided no proof of claim, or certified contractual evidence signed between both parties proving your agency is in fact the Original Creditor, Owner, Servicer, Lender, Assignee, or Holder in Due Course of the alleged debt. The actions of " COLLINS ASSET GROUP , LLC '' at this time are in clear violation of the [ Fair Debt Collection Practices Act Section 805 ( a ) ] [ 15 USC 1692c ] as no prior written consent or permission has been given to your agency granting the right of communication in connection with this alleged debt or any other matter in fact. Furthermore, the agency " COLLINS ASSET GROUP , LLC '' has deliberately ignored a formal notice and DEMAND TO CEASE AND DESIST all communication made pursuant to the [ Fair Debt Collection Practices Act Section 805 ( c ) ] [ 15 USC 1692c ] which was delivered by way of USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX on Saturday XX/XX/2020. In addition, " COLLINS ASSET GROUP , LLC '' has unlawfully and void of contract furnished inaccurate information to multiple Credit Reporting Agencies, thus violating the responsibility and duty to report accurately pursuant to the [ Fair Credit Reporting Act Section 623 ( a ) [ 15 USC 1681s-2 ]. Based upon the facts and evidence provided herein a claim will be immediately filed in Federal Court against " COLLINS ASSET GROUP , LLC '' for Civil Liability pursuant to all applicable law. All rights are hereby explicitly reserved without prejudice and without recourse in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had a charge for a recurring service with XXXX XXXX ( XXXX Texas ). After the park had stopped operation due to health concerns and regulations, the merchant continued to charge my account. Prior to the park closing, as well as after, I repeatedly tried to get the merchant to stop charging my card. I never ( as of XX/XX/2020 ) received a response from all of the given options to contact them. I then reached out to their online national chat support and was told that the parks are responsible for, and manage all memberships, and that national chat support can not. After a couple of class action lawsuits were filed XXXX XXXX set up an automated system to 'pause ' account until the parks re-open. That has paused the account going forward as a temporary solution. I requested Venmo to investigate the matter as I was no longer authorizing the merchant to charge my card. Venmo then requested more information all of which I sent as a reply to the email as was requested. They declined the complaint citing the requested additional information was never provided. I reached out to them again stating I did provide the information. They asked me to upload it a different way to re-evaluate. They then requested 'more ' information again most if not all was repeated questions with different wording. I sent that as well though. Again I was told I did not reply and the case was again declined. I reached out a third time and again was asked to upload the information a different way. I received confirmation they had received it and that the team would reply within 3 business days. I have received no response from either the person that forwarded the information to nor the 'team ' and it has now been over 3 days. I started this process with the actual date of XX/XX/2020 as the case opening and have yet to get either a reasonable and justifiable explanation as to why they feel XXXX XXXX was correct to charge the card, or a chargeback to the merchant. I have now requested an update from Venmo as well but feel that the roundabout information and claims that Venmo has made are improper to say the least. I would appreciate any support that can be provided regarding this matter with either the CFPB or the merchants involved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-22 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:
My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping 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 2020-05-22 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: CA

Complaint narrative:
My brother has recently taught me about my credit. I pulled my report online and have never used my credit before but I have accounts. He referred me to this site with the letter I'll attached. I'm learning my rights and how this works and to have good credit but this is stopping 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 2020-05-22 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: LA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Payment made on XX/XX/2020 of {$26000.00}. Clearly directed to pay off the balance of 1 out of 2 existing loans. Instead the payment was split to go mostly toward the other loan. This is one of many times Navient has redistributed my over-payments in a manner other than I have directed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It have been way over 30 days and I have not received any investigation results.

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 2020-05-22 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from 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 non-monetary relief
Consumer complaint received 2020-05-22 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: LA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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 2020-05-22 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX   XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. 
Company Inquiries XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 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