vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eagle Accounts Group, Inc.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2020-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our loan was with Ditch, and Ditech went bankrupt. The loan was acquired by Shellpoint Mortgage Servicing. Shellpoint continues to make errors in our account. 
Money is paid into our escrow account each month. Out of those funds, Shellpoint pays the bill for our home insurance and flood insurance. Then, Shellpoint sends us letters saying that we don't have such insurance, and the company is going to purchase a policy and add that amount to our loan, thereby increasing the amount we must pay each month. Also, the taxes on our property have been officially deferred in XXXX XXXX, TX. Shellpoint acknowledged that they received documentation to verify this deferral. In spite of this, Shellpoint sent a payment of {$14000.00} to the XXXX XXXX XXXX XXXX. Now, Shellpoint sent an escrow analysis saying we are short that amount in escrow, and they are going to increase our monthly mortgage payment by more than {$2000.00} per month. We continually have to spend time calling Shellpoint, sending faxes to the company, having our insurance agent re-send verification of our policies, etc., in order to have Shellplont correct its many errors. This has become harassment. It has negatively affected our lives ... financially and emotionally.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CITIBANK, N.A.
State: CA

Complaint narrative:
Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.

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 2020-11-12 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XX/XX/XXXX I sent in a dispute to Navy Federal Credit Union and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
This is regarding my XXXX XXXX XXXX  XXXX account. I have tried multiple times via telephone and email to request account closure and return of deposit unsuccesfully. On XX/XX/XXXX, XX/XX/XXXX and XXXX I called requesting that my account be closed. The representative informed me that he needed to transfer me to another department. After being on hold for over 10. minutes ( all three times ), I was told that " nobody was available at that particular time, if I would like a call-back ''. I never received a call back in all instances. I was them provided a survey to which I completed based on my experience and the situation. On XX/XX/XXXX I was contacted by " XXXX '' via email from " Executive Response '' who wanted to follow-up on my survey. Also on XX/XX/XXXX I replied back and explained the situtation in detail along with making my request again. I never received a reply back. This is in regards to account # 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 monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Several items on my credit that are not mines someone has false used my information

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 2020-11-12 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: VA

Complaint narrative:
I applied for a loan from XXXX XXXX XXXX XXXX ( XXXX ) on XX/XX/2020 and a credit report was sent to the bank. XXXX sent me a letter, notifying me that my report had some derogatory information on it. They provided instructions to contact the consumer-reporting agency to address any mistakes that I found on my report. I contacted Equifax because Equifax Mortgage Solutions was the agency who reported the information to my bank. I followed their instructions for submitting a dispute on XX/XX/2020. On XX/XX/2020, they sent me a response to my dispute stating they had updated my credit file. On page 3 of the letter sent to me, they state If there has been a change to your credit report based on your dispute, or if you add a consumer statement, you may request that Equifax send an updated report to companies who received your credit report within the last two years for employment purposes, or within the last six months for any other purpose '' ...

XX/XX/2020, I contacted Equifax to have them send an updated report to XXXX so they would have the correct information with the derogatory information removed. I provided the representative from Equifax the confirmation # of my disputed file so she could reference the same information I was referring. She refused to assist me with how to get an updated report sent to XXXX. I requested to speak with a supervisor, for which I waited on hold for 25 minutes before XXXX took my call. This was between XXXX. She was not helpful at all, she was more annoyed that I was insisting that they honor the information they sent me by providing an updated report or helping me get to a section within their company that can assist me further based on the correspondence I received. She stated that it was not their policy to provide reports to businesses ; they only provided them to consumers, thats their policy. She said she could not help me any further. I explained that I understood her policy but what I was asking for was also a part of Equifax policy, because they sent it to me in writing as to what I should know. She said very rudely that her policy wasnt going to change, she wasnt going to continue to talk to me about it, and then she hung up the phone. I contacted the Equifax Mortgage Solutions section, which is the section that sent the actual report to XXXX. They also stated their policy doesnt allow them to send updated reports. She told me I needed to contact the regular Equifax, which is the section that hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: TX

Complaint narrative:
To whom it may concern : My name is XXXX XXXX XXXX and I am writing to complain on TransUnion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. I have filed a police report and identity theft report ( XXXX ) and still refuse to help. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.

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 2020-11-12 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:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

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 2020-11-12 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:
I got a notification from my credit monitoring service today XX/XX/20 alerting me of an account in negative standing appearing on my credit report. I was confused so I logged in and saw an account from XXXX XXXX  for an amount of {$2100.00} on my credit report that is not mine. I did not open this account and I do not have any sort of written/verbal contract with that company nor did I benefit anything from that account such as money, services, goods or anything else and I never made any payments towards that account. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau. I also contacted the company in hopes of getting this cleared up.

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 2020-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
In XX/XX/2020 my wife signed a contract for employment at a XXXX trading company. She was to be paid about {$3000.00} during training. 
She received {$120.00} and was expecting the balance. 
On Friday XX/XX/2020, she was notified that she had been added to a USAA Savings Bank checking account. We did not understand how that could happen without her applying or even knowing about the action. 
She went to her USAA web page and saw this new account and that it had {$3000.00}. 
She then transferred the training pay to our joint accounts - still not knowing how or why USAA allowed her to be added to an account - as secondary - to someone named XXXX XXXX, who was listed as primary. 
Ten minutes later my wife received an email from USAA confirming that she had been put on that account, which the bank identified as her " cousin. '' XXXX, we have no idea who this person is. 
After the weekend, I went on my USAA web page and discovered that the bank had frozen three of my accounts. 
Now, the bank is extorting me for {$3000.00} to " unlock '' my three accounts. They have said they are going to take my Social Security direct deposit on XX/XX/XXXX. 
USAA Federal Savings Bank is implying that my wife was in on this apparent internet scam/fraud. We have reported it to the Federal Bureau of Investigation, with no immediate result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: Credit Plus Inc
State: CA

Complaint narrative:
Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: HI

Complaint narrative:
I purchased 6 airline tickets XX/XX/2019. XXXX XXXX cancelled flight and offered full refund. I have received refund on 5 of 6 tickets. Barclays  MasterCard charge XXXX for ticket number 6 only refunded seat upgrade fee and not ticket price of XXXX. XXXX XXXX insists they gave to Barclays. I have been disputing with Barclays for over 9 months and just get a runaround with no return calls or resolution. 
Thank you for your assistance

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 monetary relief
Consumer complaint received 2020-11-12 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: GA

Complaint narrative:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX, Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs 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 2020-11-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
For the past 5 months I have been trying to get Method of Verification for Account # XXXX with XXXX Account # XXXX with XXXX XXXX, that states has been validated according to the Credit Bureaus. The dates for the requested information are XX/XX/2020, XX/XX/2020, XX/XX/2020. The only information that I received back is that the account has been updated, remains, or verified as accurate. As a consumer, I feel my rights have been disregarded and I also feel devalued. To me this matter is not being taken seriously. If the debt in fact valid I should have received the method of verification used to verify that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STERLING JEWELERS, INC.
State: GA

Complaint narrative:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CA

Complaint narrative:
I signed up for a CITI public checking account promotion in early XXXX for XXXX dollar bonus if depositing XXXX within 30 days and maintain balance for 60 days. I waited patiently for entire waiting period ( up to 90 days after meeting criteria ) and checked with CITI customer representative a couple of times during that period to confirm my eligibility for the welcome bonus. 

However, right after my 90-day waiting period, I still didn't get the bonus and opened a case with CITI. After investigation, CITI claimed that I am actually not eligible for the bonus due to a targeted promo code they claimed attached to my account even I fulfilled all the requirements. I pointed it out to CITI that I signed up for a public offer which doesn't require any promo code but they insist that I signed up for a targeted promotion regardless their customer representative confirmed my eligibility for welcome bonus numerous times. 

I was asked by CITI to provide promotion disclosure after 6 months I signed up for the account to prove myself truly eligible for the promotion which I found is ridiculous. They can simply deny the promo they ran by themselves by claiming a targeted promo code that was attached to a customer account without any proof meanwhile expecting their customer to keep all the evidence. I also feel disgusted by the way how CITI holds a customer 's hope for as long as 6 months by having representative keep assuring customer 's eligibility then tell customer he/she is actually not eligible for the promo at last minute.

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 monetary relief
Consumer complaint received 2020-11-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
On XXXX XXXX, 2020 FIDELITY CREDITORS SVC add a derogatory mark on my credit report per XXXX, XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ( Collection agency name ) has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: BlueChip Financial
State: FL

Complaint narrative:
Took out a loan at 490 % interest because I needed the money, Paid all of the payments but had 3 that were late. Company charged me {$930.00} interest on those XXXX payments being paid late. The loan was for {$800.00} and now are refusing to eliminate the illegal interest being charged even though the loan was PAID IN FULL! This company must be stopped

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12 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: CBC Companies, Inc.
State: CA

Complaint narrative:
Inquires on my credit report that was not authorized by me, please remove, I was a victim of identity theft in the past

Company response to consumer: Closed with explanation