vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
The following charges were reported as never being authorized to the credit card company multiple times starting XX/XX/XXXX and were not made by me or my wife. Despite multiple correspondence and phone calls, and with multiple instructions to stop allowing the charges, the company never stopped the charges and never took the fraudulent charges off of my account. 

Transaction Date Description Category Amount XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX   DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT XXXX XX/XX/XXXX XXXX DEBIT 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 2019-06-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As of XXXX XXXX my Experian account is inaccessible. Experian was notified of the problem but is refusing to respond and has not corrected the malfunction. My User Name at the Experian website is no longer valid for some unknown reason, possibly fraud/hack. Experian upon request will not email to me a reset for a new User name so that I can have access to my account. 

I wasted hours on the phone and computer attempting to resolve the issue, but can not reach a human to explain the problem. I am locked out of Experian with no way of getting back in. The Experian website does not allow requests for help without having a valid User Name and password of which mine has been corrupted / made unusable. 

Experian is unresponsive to any contact efforts I have made. The Experian automated system has hung up on me several times, and refuses to allow me to speak to a real person. 

I believe that my account may have been hacked, and that Experian 's refusal to allow me to directly contact their customer service personnel is a harm to my financial well being.

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 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citi bank forged my diseased wife 's name to close my Costco acct in retaliation for me using cfpb to force my city bank credit card closure. Is this a criminal case.

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 2019-06-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC
State: MO

Complaint narrative:
Heartland ECSI has predatory debt collecting processes. On XX/XX/2019, I enrolled in automatic payments to pay my account of XXXX dollars. The process was cancelled. On XX/XX/2019 I again, enrolled in automatic payments for XXXX dollars because I want to avoid the one time service fee. That also was cancelled. There is no way for these payments to fail on my side because I had given my routing number and my account number of my bank account, and I am fortunate enough to have a career that keeps my bank account full and ironically provide insights on how payment services work in financial industries. Now today XX/XX/2019. I called to complain why this is occurring and I received no explanation to why the payment did not go through. I was told that Heartland received my money, and then gave it back to my account. I asked them to enroll me in automatic payments and the operator that i was speaking to implied that if we the user enroll in their automatic payments it will not work. I asked the man to enroll me in automatic payments that will reflect my future XXXX dollar monthly payments and the man enrolled me in XXXX  future payments. I caved in today, payed the XXXX with the service fee because I do not want ANOTHER LATE FEE. People who are paying their debt to this agency are left with monitoring both workers and their pay system to make sure their money is going through. Further research on XXXX comment section indicates I am not the only one. This is easily a class action lawsuit. I am a XXXX XXXX  that works in PAYMENT SERVICES for XXXX XXXX, an international, billions of dollars net worth company, and this is extremely unacceptable from an agency whose only responsibility is to collect money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS put my property in website whom advertise for Homes for Auctions and foreclosure sites I am on time and paying them through my lawyer and court because SLS is a chest XXXX fraud company creeps come here to my property I am sitting in my living room and the creep have a nerve to come front of my property and start taking photo why this is how SLS run a mortgage company by abuse the home owner and sell people home by lie fraud and cheating

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 2019-06-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Please I need help. 

Hello I am writing out to you all as I need help. I signed up back XXXX for Best Buy Citi bank credit card. I have never missed a payment was always on time. 3 months ago I received a notification for payment due. I went ahead and made the payment online and received a confirmation number. The day after I receive it still hasnt taken my payment. I called in to see if they taken my payment, by my confirmation numbers. The lady said it could take up to XXXX days for payment clear my account. I waited a week and still was there the payment was taken and next week was reversed back to my account. This was a 3 week process overall I went after it was reversed to Best Buy to make a cash payment in person. By the time I did that they informed me my account already closed. I have read both cities bank/ Best Buy policy about the credit card and no where does it say this account can close for being 1 month late in payment. I actually called in yesterday and they informed my account has just went in collection XX/XX/XXXX. Which is such a lie I couldnt even access my online account at all and that it was closed months ago. I need help retrieving this account and from my points decreasing dropping.

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 2019-06-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase Bank has allowed someone to do hard inquiries on my account and they sent something in the mail asking for my social security number and the credit bureau to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
We have been having a loan serviced through LoanCare , LLC ( they could be part of XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. XXXX or XXXX per their website ) ). During XXXX, the loans ended. LoanCare kept extra monies owed to us. In XX/XX/XXXX we notified them of their error. After about a month, on XX/XX/XXXX, they performed an internal audit and agreed that they owe us {$2000.00}. They promised to reissue a Form 1099 and send a check. Calls to them went un-returned in XXXX and most of XXXX. On XX/XX/XXXX, I finally reached someone and they promised a call back within a day to find out what the problem was. It is now XX/XX/XXXX and no call back. I have been on hold for over an hour with them today. If you look at their XXXX reviews, I am not the only one with this problem. They do not return calls or pick up their phone it seems. Our Company is  XXXX XXXX XXXX, XXXX. Loan number 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 2019-06-06 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT I HAVE NOTICED SOME INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I HAVE NO IDEA HOW SOMEONE COULD GET INTO MY CREDIT AND DO SUCH DAMAGE BUT PLEASE RE-INVESTIGATE THESE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Various calls have been made to XXXX XXXX  a/k/a Quicken Loan a/k/a Rocket Mortgage to avoid collection tactics and foreclosure threats. Over the course of several months, attempts to catch up with any missed payments have been met with confusing, complex inadequate help from Quicken Mortgage. Our family has suffered through weather disasters and a government shutdown recently. We were able to managed payments until a salary delayed caused a domino effect. A loss of income ( separation from my spouse ) decrease my income severely, A request was made to decrease payments, however, after several months I was given instructions to 'jump through hoops, '' in the form of asking for paystubs, which was ok, then bank-statements, which was ok, just to be told they did not receive them, then they did receive them but by that time, another month has passed, increasing payments, interest and late fees as well as reporting to the credit bureaus for 30 day late payment, then 60 day and 120 day. I was told to send them again, this was done on XX/XX/2019. We were told quicken needed updated bank statements. Then the same day we were told updated paystubs were needed. They received them but could not read them several weeks after they were sent. This sounds purposeful with the objective to get so far behind and poor credit we could wind up losing our home through deceitful tactics such as this and no way out but for me to file bankruptcy, I will fight to keep my home but will also report to others how tactics such as these are purposeful and made to keep consumers in poverty.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I got my recent credit report and I noticed navient accounts that I did not recognize that had payment history and payments that had no data. I have tried to fix this problem with XXXX over three times but they still report inaccurate information on my credit report. They are violating the fair credit reporting act. XXXX  and XXXX  have already removed these navient accounts from my credit report because they are reporting inaccurate information reporting payments that I never made and having no data for certain months. I disputed these inaccuracies in XX/XX/XXXX and got my results back on XX/XX/XXXX the results were updated and incorrect payment history still remained on my credit report. I disputed again and the results came back updated and no data still remains on the accounts. I have provided proof of the results. I have gave XXXX over 3 months to correct this error they never once provided me with the documents like I asked I asked them to provide me the proof from the company that I made these payments and the bank that was used to make these payments I never recieved any of these documents.i have spoke with a credit repair lawyer if you the CFPB can not assist me in this I will be forced to file a complaint with the FTC against XXXX and than persue litigation against XXXX  for reporting these inaccuracies on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: LTD Financial Services, L.P.
State: TX

Complaint narrative:
credit report FTC violation, inaccurate information on my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: NY

Complaint narrative:
Transunion has two 30 day late marks One for XXXX XXXX XXXX inXX/XX/2019, and one for XXXX XXXX XXXX in XX/XX/2019. Both Companies in a 3 party call with my bank have agreed to remove the Late on all three credit reports due to a banking error. The other 2 credit reports have already dropped these two 30 day late remarks. They only remain on Transunion and they were supposed to have been removed. Please take them off 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 2019-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: IL

Complaint narrative:
Spoke with my relationship manager and was told to call back XXXX XXXX At XXXX ext XXXX XXXX XXXX. 

When I called using my cell number of record my call continued you say my relationship manager is unavailable. 

The reason for the call was to verify that all of my profit and loss from my self employment income was received. 

Again, I attempted another call today from the same number of record on my file no answer. 

I decided to call from another number and lucky my relationship manager answered the phone. 

I informed my relationship manager XXXX XXXX that I had not be able to reach him from my number of record. 

Immediately, my relationship manager said he is no longer my relationship manager. 

I told my relationship manager he was suppose to advise me my status of documents requested was received. 

He told me I have instructions that I can not talk with you. 

Now, I feel like someone is retaliating against me because of the complaints I have had recently. 

Also, my account has been switched back and forth and two many people keep telling me different stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 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: Nelnet, Inc.
State: FL

Complaint narrative:
I HAVE BEEN DISPUTING DEPT OF ED/ NELNET FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN NELNET SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: LendUp Loans LLC
State: CO

Complaint narrative:
I applied for a credit card, and was approved back in XXXX. My card and pin were supposed to get to me 10-15 days after. Both in separate envelopes. I did not receive either of them. I sent a message, and they asked for my address again. I gave them my address again, and they said they would resend it. So I waited AGAIN another 10-15 days. I have been sending messages to find out where my card is, and I just keep getting the run around. After waiting more than one month for my card, one of the messages that I got back stated that it could take up to 30 days to get my card. That is not what is advertised, or what was said to me in my previous responses. This is poor customer service, not to mention that they have not offered any type of solution. I applied for the card because I needed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Thomas George Associates, Ltd.
State: WA

Complaint narrative:
Monday, XX/XX/2019. I received a call from a 'subrogation representative ' at XXXX XXXX PST , saying that I owe money ( XXXX $ ) for an accident that someone else was involved in, driving a car I no longer own. 
The company is called Thomas George Associates. 
He claimed that I can have my driver 's license taken by the state for failure to comply ( pay ) even though I was not an involved party. 
I asked if he was a bill collector and he denied this saying that he is a subrogation officer. To which, I repeated my question. 
I then requested the claim in writing, so that I can understand. 
The tactic of denying that he was a bill collector and pretending to work directly for the insurance company allowed him to call me before XXXX XXXX. The threat that I could lose my license because of their actions seems out of bounds as well. 
As of today, I did receive the notice of right to dispute, so, I think things are back on track. However, I felt like this was a violation of my rights of communications to collect a debt and wanted to voice that. 
The officer claimed that on XX/XX/XXXX an accident occurred in a vehicle owned by me. I have documents attached showing that I sold the vehicle in XX/XX/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 2019-06-06 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: NC

Complaint narrative:
In XX/XX/2019 I found fraudulent information on my credit report. After the information was found I hired a credit repair agency to remove the items that were not authorized by me. Those items were not removed and nothing was done. I am looking to have the information removed 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 non-monetary relief
Consumer complaint received 2019-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am sick and tired of this banks customer service treating me absolutely horrible I just opened an account with them on XX/XX/2019 last week on Friday I have not received my debit card at first when I call they are nice and tell me its coming its been days and nothing has arrived and when I call them to remind them they treat me horrible nasty and keep telling me to go to a branch they give me a hard time refuse to speak to me and when I go to the branch they say their is no problem their crazy this is not nice Im a new customer and they treat me wrong

Company response to consumer: Closed with explanation