vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 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: NY

Complaint narrative:
The credit line was used by someone other that me. I am a victim of identity theft. I took the steps by filing an FTC identity theft report and sent it to the credit card company along with a letter of what occurred and two forms of ID. I reached out to them by mail on XX/XX/2021 and they have still not responded to my letter. Its unbelievable that they would have proof of me being a victim of identity theft and not respond to my letter or try to correct for over 45 days.

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 2021-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D2 Management LLC
State: TX

Complaint narrative:
I was contacted by someone who name is either XXXX or XXXX I think not sure but she say she is with D2 management and they have an old debt for me from 2015 that was through my bridge provider. I just want to know if its a valid debt because its too many scams going around. They say I owe {$600.00}. Then told me I only had a 7 day grace period to pay or setup a pay plan and they still cant guarantee my file will be in office in 7 days. When I asked for an address all she said was look it up they are XXXX  accredited and information should come up about them online. Even if I do look it up that doesnt mean its the real company calling so I s, wanting to just verify this is real debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Borrower submitted an application for a loan modification. Lender requested pay stubs showing borrowers year to date income on pay stubs. We notified lender that borrowers employer does not provide year to date income on pay stubs but provided a letter from employer on the employers letterhead stating borrowers income year to date. Lender will not move forward lender is still insists borrower provide a pay stub with year to date income on pay stub.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: OK

Complaint narrative:
Since XX/XX/2020 I was to make 3 trial payments of XXXX made those then signed loss mitigation papers to caliber for payments of XXXX on XXXX XXXX have made all payments then I got a statement from Fay servicing saying that they were putting my payment of XXXX in an unapplied fund now they are saying my payment is XXXX saying my payments are behind. Fay servicing would call my home when answered it was me would reply I can't speak to you at this time, have tried calling them but get nowhere at all I contacted caliber they said contract is valid and a copy was sent to Fay servicing as well. I'm trying to save my home from there reckless disregard

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In light of my new understanding of consumer laws, I've discovered that the credit bureau 's are in violation of the law when it comes to my consumer report. They are in violation of the following US Codes : 15 U.S. Code 1681 ( 2 ) ( i ) : report containing information solely as to transactions or experiences between the consumer and the person making the report 15 U.S. Code 1681 ( 2 ) ( iii ) : communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; 15 U.S. Code 1666 ( b ) ( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( I've requested on multiple occasions for documentary evidence ) 15 U.S. Code 6802 ( b ) ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
( I was never given the option to Opt-Out )

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 2021-09-07 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: PA

Complaint narrative:
In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX XXXX at XXXX XXXX XXXX. It was with XXXX  & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/NEL NET was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/2021, I reviewed my XXXX  credit report and compared it with XXXX  and XXXX. I noticed that XXXX  was not reporting my Navy Federal Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at XXXX  who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of XXXX. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that Navy Federal told them to remove the account from my file. XXXX  stated that they can't do nothing about. XXXX  disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my Navy Federal Credit Card accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I paid y HELOC on XX/XX/XXXX, and get at least 5 phone calls a week from the company regarding the account saying I owe for the month of XXXX. I called and told them the date my account was debited, never had issues before, they responded by telling me I need to contact my bank, ( but my account shows the bank did nothing wrong ) and find out where the payment is. They asked me to send them a bank statement but my bank statement is none of their business as it contains much more than one transaction to their company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Fraudulent debt consolidation /debt relief service I was a victim ... notified by department of justice ... Case No. XXXX XXXX XXXX XXXX ... 
Presently unauthorized companies looking into my credit. 
Hard Inquiry : XXXX XXXX said to contact you : I put a Fraud Alert on all Credit Reporting : 1. XXXX XXXX Via XXXX XXXX 2.XXXX  XXXX XXXX XXXX keeps going in my report 3XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX ) XXXX 4.XXXX XXXX XXXX XXXX VIA XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : XXXX XXXX 5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PO XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX InquiryType : Individual Permissible Purpose : CREDIT TRANSACTION 6.XXXX XXXX XXXX XXXX XXXX  7.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Requested On : InquiryType XXXX XX/XX/XXXX, XX/XX/XXXX Individual XX/XX/XXXX Individual Requested On : InquiryType : XX/XX/XXXX Individual 8.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 9.XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 10.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 11.XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX 12.XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I paid a deposit to a XXXX XXXX on XX/XX/2021 for a {$1000.00} for XXXX  XXXX, the company canceled me stating I was XXXX  when I wasnt, they made me go through unnecessary testing from my doctor who eventually ended writhing them a letter stating I was not XXXX, I tried to get back on schedule but they already had multiple things going on. After months of not having XXXX cause they wouldnt put me back on the schedule, I disputed the charge with Capital One XX/XX/2021, and they credited the money back to my card and then took the money and gave it back to XXXX. I have not received any services, and the company will not put me back on the schedule. They basically lied and took my money and Capital One is on there side. They have did nothing to fight for me as a consumer being a victim of theft, I am required to pay Capital One for a service I didnt receive, and also for a company that states they will keep my money and not give me a service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
On XX/XX/21, I made my last mortgage payment to Lakeview Loan Servicing , LLC ( XXXX ) and they withdrew {$720.00} for Escrow ( taxes, PMI and home insurance ). On XX/XX/21, Lakeview withdrew {$240.00} for PMI. I refinanced and this loan was paid off on XX/XX/21, Lakeview was paid {$340000.00} ( total payoff amount per payoff letter ) to include principal, PMI, taxes and home insurance up until XX/XX/21 ( payoff date ). Starting on XX/XX/21, I made numerous calls to Lakeview at the customer service/billing number saved on my cell phone ( which I always used and was good in the last 3 years ) ; however, my call never went through because their automated system no longer recognized my phone number, social security number and/or loan number # XXXX on file. Therefore, I emailed Lakeview on 3 separate occasions ( XX/XX/21, XX/XX/21 and XX/XX/21 ) using my XXXX email account addressing the issue their automated system is not recognizing my phone number, social security number and/or loan number and I CAN NOT get through a live person or move forward. The only response I received from Lakeview through their automated email system was a generic response, such as, " thank you for contacting us, a more experience person regarding your request/needs will contact you. '' I requested for someone to CALL me, but they haven't til this day. On XX/XX/21, the day of the payoff, Lakeview withdrew {$780.00} for escrow ( taxes, PMI and home insurance ), {$830.00} for interest, {$310.00} for interest again and leaving an Escrow balance of {$4000.00}. On XX/XX/21, Lakeview withdrew {$240.00} for PMI leaving an Escrow balance of {$3700.00} even though the account/loan was paid off in full on XX/XX/21. I visited the XXXX XXXX XXXX website and found a lot of complaints against Lakeview Loan Servicing , LLC and XXXX regarding their illegal and/or unethical practices similar to mine.

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 2021-09-07 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: GA

Complaint narrative:
On XX/XX/2021, I reviewed my Experian credit report and compared it with XXXX  and XXXX. I noticed that Experian was not reporting my XXXX XXXX Credit Card beginning with # XXXX. On XX/XX/2021, I called and spoke with XXXX at Experian who confirmed that this account was deleted in response to my dispute Report Number XXXX. I explained to XXXX that I opened the dispute due to inaccurate credit amount showing on my credit report. XXXX stated that the account was deleted rather than the CREDIT AMOUNT increasing. XXXX hung up on me. I called again and spoke to XXXX of Experian. He confirmed that the account was deleted rather than the Credit Amount increased to {$2000.00} from {$1000.00}. XXXX advised that XXXX XXXX told them to remove the account from my file. XXXX stated that they can't do nothing about. Experian disputed this matter incorrectly as evidenced by XXXX  and XXXX  are reporting my XXXX XXXX Credit Card accurately.

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 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
It is submitted that I deposited a Cashier Check number XXXX dated XX/XX/XXXX on XX/XX/XXXX, at a branch of CapitalOne. It was Saturday and then I waited to clear the check till Tuesday, XX/XX/XXXX, when I got a message from the Bank that my check of {$2900.00} was cleared and funds are available. 
Then I started purchasing from my account, using my Debit Card and I used my Debit Card of CapitalOne at three different spots of XXXX to purchase Gift Cards amounting to {$800.00} from each spot, which was a scam, but I could not understand that time. 
I took all precautions before starting the purchase from my account, and used the Debit Card, when the funds were available in my account after the clearance of the check and even after using the Debit Card at three different points, Bank did not decline my card and I completed the purchase of three Gift Cards of {$800.00} each on the same day when the funds were available in my account and even used by debt card at some places also for purchase. 
On the next day, XX/XX/XXXX, when I tried to use my card at another store it was declined and after checking it was found that the Check of {$2900.00} was reversed and now my account is now in negative {$2200.00}. 
It means that I became victim of a scam due to the fault of CapitalOne Bank as first, the bank cleared the check and the next day it reversed it, which means someone in the bank is a partner with the people who are involved in the scam. 
Please investigate the matter thoroughly, and return my deposit of {$2900.00} because I used the funds when officially they were available to my account. 
I provide the phone number and email details to the bank but still, Capital Bank is not accepting its responsibility to safeguard my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: VA

Complaint narrative:
I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from 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 2021-09-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I spoke with Capital one many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have a loan with CREDIT ACCEPTANCE CO Opened XX/XX/2016. I have always made my payments on time yet there was a 30-59 days late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX  and XXXX  Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureaus. There was definitely an error on their part. There was definitely an error on their part. The bureaus are condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC
State: FL

Complaint narrative:
THIS ACCOUNT DOESNT BELONG TO ME I DONT RECALL EVER OPENING UP A ACCOUNT WITH THIS COMPANY AT ALL

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2021 I contacted XXXX, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.

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