vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP
State: CO

Complaint narrative:
I did not request unemployment benefits from the state of Colorado. I received a pre-paid credit card from US Bank Reliacard in the mail XX/XX/2020. It doesn't even have my name written correctly but I was issued a card with instructions for activation. I did not set this up. When I call the Reliacard number I have been on hold for over an hour and still can't reach anyone. When I call back they have a pre-recorded message about wait times for over an hour. I have called the Colorado Labor and Employment office and have been on hold for over an hour. On their website they have a section to report false unemployment benefits but it asks for the violator 's specific information. I don't know who is trying to set up benefits in my name but I can't report on an unknown violator. There has even been a news article highlighting the fraud in these fake Reliacards. I feel frustrated that I can not talk to a human and resolve this issue that I did not initiate. I put fraud alerts on my account through the credit reporting agencies. One of the agencies, XXXX, said it could not set up an alert on my account at this time. It shouldn't be so difficult to cancel an account or make sure your identity isn't being stolen or used fraudulently.

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 2020-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
Repeatedly keeps calling early in the morning. After I told them Im XXXX patient and have no money. Do not call and sent it in writing. They have ignored my request of do not contact me.

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: DISCOVER BANK
State: TX

Complaint narrative:
I have repeatedly advised Discover that I was a victim of Identity theft and even provided w police report. Discover advised that because their name was not listed they could not use it. The identity theft was brought to my attention due to applying for residence and being denied due to an eviction which led to a judgement being placed on my credit. I found that someone fraudulently obtaining a lease in my name which can be verified with XXXX XXXX and the police report. This led to me pulling my credit reports as I filled a police report and after began closely examining my credit card statements ( as I never did only paid them without looking at the activity ) where I came across alot of fraudulent activity and immediately contacted my current credit card companies as I was still in possession or possibly lost/stolen. I have been hospitalized and then placed in XXXX due to Exacerbation/Relapsing with my XXXX XXXX brought on by the stress of this situation where I loss the use of my hands. I am currently receiving In home Infusions due to the impacts of this stressful situation ( new brain lesions, increase cognitive impairment, numbness etc ). I am tired and will not allow this to kill or permanently impair me. I had submitted emails to them and even talked to reps and NOONE seems to care

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 paid
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
Collection agency SEQUASTSOL reported a debt that I dont own to my credit report. As per SEQUASTSOL I own them {$47.00} for XXXX XXXX XXXX TV service, which is not true. I have other TV service provider and I dont own any money to them. I never received any bill from neither XXXX XXXX XXXX or SEQUASTSOL, I found out because I checked my credit report. They are using this COVID-19 unprecedented time to play with people emotional wellbeing through fraudscam with fake debts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to XXXX  that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago

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: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' CFPB Sues Nation 's Largest Student Loan Company XXXX  for Failing Borrowers at Every Stage of Repayment XXXX, Formerly Part of XXXX XXXX , Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception Remains XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 
View your Report | View your credit score Remains + 'icon ' Filed ftc 60 days ago

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I applied for an auto loan through XXXX XXXX yesterday XX/XX/20 but I was not approved because when they ran my credit, they saw several accounts in negative standing. I had no idea I had negative accounts on my credit history and when I looked through my credit report myself I realized that none of those accounts are mine. The accounts in negative standing that are on my credit history do not belong to me nor did I ever give anyone permission to open those accounts on my behalf. I did not benefit anything from the accounts listed on this report such as money, goods, services or any other benefit nor did I contribute to any payments towards these accounts. I do not have any type of written/verbal contract or affiliation with any of these companies and I never gave them permission to run or access my credit file. I have already filed a police report regarding these unauthorized accounts.

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: Westcreek Financial
State: OH

Complaint narrative:
WESTCREEK FINANCIAL IS CONTINOUSLY REPORTING INACCURATE INFORMATION TO MY CREDIT TRADELINES. INITIALLY THE REPORTED THE ACCOUNT AS CHARGED OFF WHEN IN ACTUALITY I PAID THE ACCOUNT OFF. 
TODAY I RECEIVED A NOTIFICATION THAT MY ACCOUNT WAS REPORTED MISSING PAYMENTS TO MY TRADELINES, I PAID THE ACCOUNT OFF IN XXXX OF XXXX  AND THE COMPANY IS REPORTING IN XXXX THAT I MISSED A PAYMENT. 
I PREVIOUSLY FILED A COMPLAINT AGAINST THIS COMPANY FOR INACCURATELY REPORTING INFORMATION AND I FEEL AS THOUGH THIS IS RETALIATION FOR REPORTING THEIR INACCURATE CREDIT REPORTING.

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 — Reporting company used your report improperly
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
First Federal Control has directly violated the regulations of the HIPAA Act of 1996. As I never signed a HIPAA form to authorize them to have access to the personal health information that was sent. Theyre saying they have an agreement with the company. 
They also have not provided any signature From me, therefor violating the fair credit reporting act section 609. 
I am sending in my last request to remove these items from my credit report Without any further action by me. If not, I will be moving forward with HIPPA Complaints, FCRA complaints and any possible legal action. I want it noted that Ive made First Federal Control aware of the violations and they have chose not to do anything about it. 
Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: NH

Complaint narrative:
On XX/XX/2020 I contacted Nelnet - U.S. Department of Education via their email, XXXX requesting their assistance for my on-line account that is in the three year monitoring for XXXX to discharge my daughter 's student ( university of XXXX ) loans that I took out as PLUS loans. 

Nelnet is not providing me with full on-line access to my account. I provided Nelnet with a video link XXXX XXXX XXXXXXXX which is accessible and readable and proves that there is NO information when I log onto my Nelnet on-line account. There is only a " Home '' and " Change Password '' button. There is NO account information including but not limited to my name, address, account number, documents filed on account, approvals for annual monitoring, function to upload documents is not available/not there, status of account, etc. When you look at the video link XXXX XXXX   XXXX of my account, where I log on to my Nelnet account, there is NO identifying information there that even suggests that I have an account with Nelnet. 

I tried to work with Nelnet and they refuse to provide me with full on-line access to my account. Further, Nelnet is not responding to me in accordance with my legal name that was on the student PLUS loan documents as XXXX XXXX XXXX. I object to Nelnet not responding to me in my full legal XXXX name of either XXXX XXXX XXXX or XXXX XXXX XXXX. 

I am attaching the seven page email correspondence between Nelnet and me, XXXX XXXX XXXX from XX/XX/2020 through XX/XX/2020 to show that I have tried to work with Nelnet regarding the on-line account issue and Nelnet refuses to view the XXXX video and  continues to ignore the fact that I am unable to " see '' any information on the log in of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Performance Management, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit 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: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Dear Sir/Madam Since XX/XX/XXXX, I have been a Checking account ( # XXXX ) holder with the Citibank N.A, maintaining a monthly balance of approximately {$5000.00}. From the very onset, the bank offered me the benefit of a {$5100.00} overdraft checking protection privileges. My 35 years old overdraft checking protection portion of the account enjoyed an impeccable history of timely payments of all the charges made relating to that account. 

In the midst of the horrific happenings of the global pandemic virus known as Covid-19, Citibank had the audacity to terminate the overdraft checking protection portion of that account, using the pretext that since my credit score has gone down, the bank policies do not permit me to keep the overdraft checking privileges. I became greatly distressed when several checks got bounced, resulting from a lack of protection offered by the overdraft checking privilege. 

I immediately contacted my local Citibank branch, located in XXXX, New york to discuss my plight with the bank manager, who totally understood the wrongdoing perpetrated by the bank 's Credit underwriting unit. On my behest, She made repeated requests to the banks credit unit explaining to them that the decline in my credit score was caused purely by the Covid-19 environment as I did, temporarily losing a portion of my income. 

All her efforts failed and the bank issued a canned response ( copy  enclosed ), rejecting my case by citing arbitrary and capricious bank guidelines, and frivolous policies and procedures. I am a XXXX years old retiree, surviving on pension, social security and investment  incomes that are enough to enable me to have a comfortable lifestyle. The purpose of seeking overdraft protection privileges is to tackle unforeseen emergencies. 

Your assistance in resolving this matter in my favor will be greatly appreciated. 

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 2020-07-17 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: AR

Complaint narrative:
I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX Shellpoint Mortgage Servicing for the first time produce a Note and Security Instrument as evidence for their demand of payments for Loan # XXXX FHA # XXXX Deed of Trust dated XX/XX/XXXX. I never signed, I never agreed, and I never assumed any responsiblites or obligations for the note and mortgage Shellpoint produce on XX/XX/XXXX. Shellpoint see to put obligations on me which I never signed or agreed to. Shellpoint falsely represented to me and cfpb that I signed and assumed the note and security instrument, this is completely false, see attached response from shellpoint. 

Shellpoint demand I paid a bad debt that was created base on fraud, misrepresentations, omissions, and concealment. I filed a police report and Identity Theft Victims Complaint and Affidavit XX/XX/XXXX, see attached. 

I request Shellpoint to closed all accounts they created in my name and remove the bad debt from my name. And issued a letter that I do not have any responsiblites or obligations for the purported note and mortgage debt.There is no outstanding mortgage loan and/or balance for me or my property

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17 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: AR

Complaint narrative:
I have the app XXXX XXXX  to keep track of my scores. I recently logged on and saw unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
To TransUnion Escalation Department : I have contacted the following company reporting to my credit file and according to them, there has been no communication noted from TransUnion 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 these 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 : ACCOUNTS XXXX XXXX XXXX never late Identification already on file. Please send me 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 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