vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-23 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: NY

Complaint narrative:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2020-11-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
for Bank has failed to provide any documentation or evidence that confirms that I made any charges they are claiming, no receipts no dates of purchases no POS info and no evidence linking me to the charges

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 2020-11-23 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: NJ

Complaint narrative:
In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. XXXX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on XXXX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image aa : is the non working XXXX online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and trans union as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.

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 2020-11-23 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: NJ

Complaint narrative:
In good faith I paid off my student loans at the start of the pandemic. I paid them over {$2000.00} and made promises to me to have it removed from my report but to this day they are still reporting me. EQUIFAX just added remarks to an old closed out account forcing my score from XXXX to XXXX over night. I even paid off some credit cards during this time and it says Missed payments removed from US DEPARTMENT OF EDUCATION but still showing negative. You are destroying lives of Americans. My score went from over XXXX to XXXX in 2 months when my loans were resolved months ago. I just tried to go on EQUIFAX website to dispute but it doesn't even work. I am ashamed to be an American. How do I have a XXXX credit score when the only 2 negative items on my report are OLD OLD OLD and paid OFF!!!!! Image attached aa : This is the website error making it so I can not dispute. The rest of the site works. The Department of Education Uses different phone numbers and addresses to claim they never told me they would remove this from my credit report. Once I paid them they just pretend I don't exist and keep reporting me. My own country and education system is ruining my life. Image XXXX XXXX is the non working Equifax online dispute. The rest of the XXXX site works perfect until you try and dispute. I have disputed with XXXX and XXXX XXXX as well and they have not removed these items either. How can you just use a different address and phone number so people can never be held accountable? I've attached 6 different addresses the Department of Education has used so I can not contact anyone once they took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ND

Complaint narrative:
I am sick of trying to resolve this problem with capital one. I paid my account in full and close it because they wanted to continue to charge me fees and interest after I paid my account in full. Instead of reporting that I close my account in full they went and reported that I owe them {$7.00}. They know this balance was from a fee from them and that I close this account. Yet they are still reporting that I owe them money

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Eagle Accounts Group, Inc.
State: FL

Complaint narrative:
On XX/XX/2020 I received a letter from the department of revenue child support program XXXX XXXX XXXX me XXXX XXXX, fl XXXX claiming that I owe them {$25000.00} since receiving that letter I have tried contacting the agency to ask for proof of this debt and what agreement did myself and then entered in or if there was a promise to pay or any paperwork that could validate their claim but they ignore me time and time again.on XX/XX/2020 I traveled to XXXX where I stayed for 4 months upon my return I found out that this agency had taking me to court and now I am order to pay them {$790.00} and {$150.00} again I have yet to see anything from this company about the contract that I signed with them or any promises that I made i believe this all fraud and abuse of the court system since they have the funds to trap me in the courts and I am hepless because I don't have the means to adequate representation. Through this order they stand to garnish my wages and even imprisoned me for lack of payments which again is against my rights. Please help.

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 2020-11-23 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I have tried to call Experian to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.

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 2020-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I just called again- after waiting on hold for 15 minutes and providing all my information- including reading back a code they sent to the mobile phone associated with my account- Citi refuses to give me access to my money.

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 2020-11-23 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX my employer reached out to me to inform me that a debt collection attempt was being made through wage garnishment. When I contacted the company attorneys, the company being Capitol One I was told that there was credit card debt in my name and social security number going back to XXXX, 19 years ago. Apparently I judgement was issued against me in XXXX, the company alleges that they have been trying to make outreach, however the remainder of the information they have on file does not belong to me including the address where this outreach has been made. I disputed this with the attorneys who now want me to make a fraud charge complaint for a credit card that was open under my name when I was XXXX years of age. I'm XXXX now and I'm asked to provide information from 19 years ago. With Covid, and because of my medical vulnerabilities I'm not comfortable spending time at a police precinct trying to make fraud report, when I have absolutely no information on who could have or would have used my information in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: ME

Complaint narrative:
My wife and I paid off our mortgage of XX/XX/2020. As of today ( XX/XX/2020 ) neither the Maine XXXX County of Deeds or my wife and I have received a Release Deed that we can submit for recording. I have been in touch with the mortgage company almost weekly wanting to know why a Release Deed has not been sent. As it stands now should we decide to sell our home or seek another mortgage we would be prohibited as there is still an outstanding loan being show on our property record. Attached is a document showing the loan was paid in full. 

This loan is in the name of the XXXX XXXX XXXX, Trust. Both my wife and I are the Trustees of that Trust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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: NJ

Complaint narrative:
I have tried to call XXXX to dispute my Department of Education loans but won't work. I have also went to dispute on TransUnion and XXXX and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.

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 2020-11-23 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: NJ

Complaint narrative:
I have tried to call XXXX  to dispute my Department of Education loans but won't work. I have also went to dispute on XXXX  and Equifax and their online disputes don't work. These companies do not care about anyone or anything. The department of education doesn't care about anyone or anything. I have been trying to get these marks off my credit report for months and months. They send me replies from 6 different addresses and phone numbers so far so I have no way of getting in touch with anyone and these credit reporting agencies are no help. Please help department of education is the only negative thing on my whole report and I paid them off at the beginning of the pandemic to have it removed from my report. I am attaching 6 different replies to my disputes which they use 6 different phone numbers and addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: FL

Complaint narrative:
Three charges were made on XX/XX/XXXX to my Direct Express Card. I did not make these charges. The charges were made with in XXXX minutes of each other. I filed an immediate dispute on that day, filled out all paperwork that they sent me and also sent them a letter describing the incident. I received a letter on XXXX stating that the merchant had provided their Department with proof that they were valid charges. I contacted Direct Express fraud investigations team that day, requesting proof of the documentation that was provided to them. One of the charges was reversed within 3 days of it occurring. The other two have still not been resolved. On XXXX I contacted fraud services again, due to the fact I had not received any proof or communication. I was provided with an escalation service number and told that I would receive a credit on my card within XXXX to XXXX hours for the two charges that I was disputing. I called back on XX/XX/XXXX to ask why I had not heard anything, and was told it was because of XXXX XXXX. Called again on XX/XX/XXXX still no credit on the card or communication from the company. Again Ask for proof of charges, and was told I had never asked for them but they would send them out. Was denied being able to speak to the investigator on the case, was told they did not take calls. Asked for them to send a message to said investigator to contact me and was told they didn't do that either. Ask for supervisor and when the supervisor came on the phone he spoke for one sentence and then hung up on me. Called back again gave them my name and social security number and they hung up on me again immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-23 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SYNCB/PAYPAL add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2020, SYNCB/PAYPAL add a hard inquiry on my credit report per 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 non-monetary relief
Consumer complaint received 2020-11-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, we made a servicing request, however XXXX XXXX company completely ignored. Mr Cooper is not above the law and must comply with all servicing inquiry upon a written request. We are asking Mr. Cooper to provide an account ledger starting from XX/XX/XXXX thru present. The ledger must reflect all account history and accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
SOUTHWEST CREDIT SYSTEMS is trying to send me a charge for an overdue cable bill, from 5 years ago, at which time we settled the bill. The charge is for 3 months after I moved out of the apartment - after the connection was disconnected. I disputed the same charge with a different collections agency 1yr ago and got it successfully removed, and now it is back again on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
I Filed a charge dispute and then tried to modify the amount. Was not told that the dispute would be closed and that the bank could not reopen it. I have spoke with the CITI bank several times and they said it was a problem with Master Card not them. I then called Master Card and they have ignorant people that work for them. Tells me that the bank is the one that places the dispute and to stay on the line. So after holding the bank gets on the call and I tell the lady from Master Card to stay on the line and see leaves. Master Card prevents the banks from reopening the dispute and ties the hands of the bank, This complaint is against Mastercard not CITI

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 2020-11-23 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Someone Fraudulently purchased a {$500.00} gift card to XXXX XXXX and used my credit card. I disputed with Citibank and their billing disputes team initially issued a {$500.00} conditional credit then reversed the credit after talking with the Merchant. The Merchant provided Citicards with a bogus email address and suggested that the person committing the fraud had downloaded and used the gift card. 

Citi negligently failed to compare the email address that I have had on file for them for 10 years with the email address the gift card was sent to. Then Citi reversed the credit and charged me for the purchase on my XX/XX/XXXX statement. Citi now says the dispute is closed in the Merchants favor.

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 2020-11-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I'm a senior and a victim of wire fraud by Champion Mortgage! 
In late XXXX I requested a payoff figure on my reverse mortgage from my then mortgage servicer, Champion Mortgage. They informed me that my payoff would be {$170000.00} and that figure was good through the end of XXXX. On XX/XX/2020, I wire transferred the funds to Champion to pay off the loan. 
Eight days later, I received a letter saying my loan was being assigned to FHA with XXXX XXXX servicing the loan effective immediately. A mortgage assignment was filed with the XXXX XXXX XXXX on XX/XX/2020. 
My understanding is that under the Truth-In-Lending Act, I'm supposed to be informed of this prior to the transfer. That did not happen. 
I immediately called Champion to inquire about my {$170000.00} wire transfer. Customer Service at Champion rudely informed me they can't give me information because the loan had already been transferred to XXXX. They told me to contact XXXX. 
After trying for nearly a month and half to find out what is going on, XXXX finally informed me and my fraud investigator that FHA could not record a satisfaction of mortgage because I still owed an additional {$580.00}. I was told to send them a cashier 's check ( XXXX apparently doesn't accept electronic payments or wire transfers ) and I would receive a written letter saying the loan was paid in full within XXXX days in the event a satisfaction of mortgage was not recorded. 
On XX/XX/2020, I sent XXXX a cashier 's check for the {$580.00} via XXXX ( XXXX # XXXX ) The XXXX envelope was received on XX/XX/2020. 
I contacted XXXX on XX/XX/2020 to see if the payment had been processed and was transferred from XXXX to an FHA call center. The woman was absolutely no help and would not or could not give me a straight answer. 
To me a senior on a fixed income, this is wire fraud and Champion Mortgage stole my money!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23 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:
Hello, I've looked at my credit report earlier this morning and saw a few fruadelent accounts on it. Ive contacted the creditors and they inform me to reach out to the credit bureau which i did. They advised me to get a ftc report and i have attached that. I am requesting that these accounts be removed from my credit report. These accounts are not related to any transactions done by myself.

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