vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-13 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: CA

Complaint narrative:
I had a Credit Card with Shell Citibank Mastercard in the past. But I canceled it. 
I canceled the account and the Credit Card back in XXXX. 
I have not gotten any emails or communications from Shell Citibank showing Statements, Communications, etc. since XXXX. 
The last STATEMENT I received was back on XX/XX/XXXX. 
This would make sense to me if I canceled my Credit Card and Account back in XXXX. 

I separately had an account for XXXX XXXX XXXX with XXXX. 
I suddenly got Invoices from XXXX in XXXX and XXXX of XXXX for the monthly subscription bill. The Invoices showed it was charging the Shell Mastercard account. I reached out to XXXX and corrected the Credit Card to charge. XXXX has corrected this. 

I got a call from Shell Mastercard today, XX/XX/XXXX, saying that I have an overdue bill for something over $ XXXX as a result of starting with a {$6.00} monthly bill, that now has several LATE PAYMENT FEES on top of it that seems to be adding up. 
I requested to speak to someone that can help figure this out and they proceeded to transfer me, only to have the call hang up on me without actually speaking to someone. 

I called the Customer Service Line with Citibank and was promptly hung up on after waiting on hold for 45 minutes.

I called another Customer Service Line with Shell Citibank, and was promptly hung up on after the computer phone system was transferring me to an operator.

The Computer Phone System with CITIBANK can not find my account based on my SOCIAL SECURITY #. 
I don't know the Account Number because I DON'T HAVE AN ACCOUNT ANYMORE.

I don't physically have a CREDIT CARD. The Credit Card had an Expiration Date from many years ago.

I don't have any Numbers to link my account to and actually talk to someone on the Customer Service Line to get to the bottom of this.

I canceled my account with Shell Mastercard Citibank many years ago.

I receive NO STATEMENTS.

I receive NO EMAILS.

I called the help line, but the Phone system can not locate any records attached to my Social Security ( again, this makes sense because I canceled my account with them years ago ).

I do not know what to do at this point.

I do NOT want my Credit Score or Credit History affected by this issue.

Please advise.

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 2021-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
We are paying our mortgage on the last day of the month due to income impacts of Covid. 

I went through Carrington 's payment system before XXXX the same way that I do every month and submitted my payment. I have never had an issue and always get an email confirmation the next day. 

On XX/XX/XXXX, I received an automated phone call that I hadn't paid the bill. I called immediately and talked to them. They didn't show a record of the payment. I immediately submitted the payment again, and confirmed that the associate received it. 

I have proof that I was on the payment pages ( XXXX timestamps my activity ) and proof that the funds were available, but Carrington refused to even take it. 

They are reporting me late on my credit. I haven't had a late on a credit in 15 years. 

They had some sort of issue with their system and messed up my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have deposited one at Chase Bank. The check returned to me by my landlord before is a check in my name. I know it is in my account. Hello, hello people tell me. This check is not me I cant cash it in. Then Ill tell him, Ill tell the bank, if there is no way to give it to me first, then you will return the money to him. 

The previous account will be returned at XXXX o'clock differently. They said that he must write a check. This person asks for a refund. Then I said I cant do it, and the person with the mobile ticket refunds. They just do. Say, then. This check can only be the same for them, and son Hold lives over there. Because if he grows up and doesnt return it, then I can get the money I get now. If it doesnt return, Just being there after they have been there, I'll just ask. 

Isnt it? It means drifting into your hands. Thats because you have the final say, I dont have it, and I cant ask you to refund it. The refund will go to his previous account, and the account will be refunded. You can still tell me, definitely Asking me to take a person to the bank, I said I cant take me to tell them many times. And I told them about this before, and I called them about 100 months ago. I told them on the phone. 

Today, one or two months later, if they still didnt help me, they just got it there, or they kept saying wait for me and wait for me to wait for me to go in. I said people before me said that I cant If I can go in, its okay for me, but he is actually him, and I cant ask him to go in with me because of who this is, especially the landlords who gave me things and asked for money.. 

And if I post something, he can go to other countries not in the United States, so I can't go in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Ever since I refinanced my automobile loan with Oportun they have engaged in very unorthodox lending practices and harrassment. I complained that they were calling me too much, so they completely stopped calling me to apprise me of important matters pertaining to my loan. I asked them why they were not contacting me when they falsely believed I had missed a payment and they said it because I told them to stop calling me. I explained that I did not want to be called 10 -15 times a day to remind me that my payment was upcoming. I asked to cease the excessive calling. Oportun would call repeatedly even after the payment was timely made. When I asked why, they said it was because it took a while for the payment to process. 

I have asked to be emailed or mailed bills, notices, inquiries and to this date, Oportun does not email or mail me any correspondence as it relates to my loan. When I ask why they claim they do not have my e-mail address ( no matter how many times I provide it ). I ask why they won't mail a bill or any other documentation and the representatives say they do not know why and will investigate. Oportun never e-mails, mails or calls me with a follow up. 

Additionally, Oportun routinely falsely claims that I am behind on my payments and when I ask for proof they state they will research and get back to me. They often claim that I had returned payments ( NSF ) and when I point out they are not being truthful, they again state that they will research it get back to me. They never respond about their false claims. 

On XX/XX/XXXX I called to ask why Oportun had not debited my electronic payment from my bank accoutn. I spoke to XXXX XXXX who stated that the notes said I am in bankruptcy so they could not debit my payment. I am not in bankruptcy, and even if I was, they were still authorized to automatically debit my monthly payments as I requested in XXXX of XXXX. Oportun debited ( electronically ) in XXXX of XXXX, but did not debit my XXXX payment. I asked to make my XXXX payment, and I was told that Mr. XXXX was unable to take the payment until the persons he escalated my complaint to could address the issue. 

I told XXXX XXXX that I would be reporting Oportun to the FTC and any other oversight agencies that deal with predatory lenders. The majority of the customer service representatives seem to be very inexperienced and somewhat fearful. They seem to lack knowledge about the company and the industry, in general. 

During covid, I asked for a forbearance and they fought me not to grant it. They finally gave me a one time forbearance, despite the covid protections that were then in place ( XXXX ). They once sent a repossessor to my home to attempt to repossess my vehicle! 

It is my belief that Oportun is intentionally trying to create situations where unknowing borrowers will default on their loans so they can repossess their vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
Repeatedly asked One Main Financial to not contact me at work- most recent request XX/XX/2021 - and I told them they can contact me on my cell phone or via email. I have asked them repeatedly to remove the phone number and not contact me here, and told them they are violating FCRA by repeatedly contacting me at this phone number, and to stop calling me at work. I told them they contact me in writing or on my cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Continental Finance Company, LLC
State: MN

Complaint narrative:
I received a 30 day late notice on my XX/XX/XXXX payment from Continental Finance after successfully making my payment within the " CFC '' app. Once I received the notice, I called their customer service team and they informed me that I would need to send in a fax stating what happened and it would be reviewed/taken care of. I sent in a fax on XX/XX/XXXX and was told that it would take 72 hours to review the fax with a decision. 1 week went by and I heard nothing from the company. I then called back in and another customer service representative directed me to send in another fax because the initial one had not been received. I proceeded to send in another fax on XXXX. I followed up with calls and was told by 4 different customer service representatives that they would follow up with an answer. I never received a follow up call from the reps so I called back in on XX/XX/XXXX. on XX/XX/XXXX I was told that the fax hasn't been received and I would need to send in another fax. I am in the process of applying for a mortgage and this 30 day late is stopping me from getting good rates.

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 2021-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I do not believe I was late on the dates you are reporting. Please report the payment status positive and update all late from reporting on this account take notice of my intent to sue. In previous months, I requested the repair of inaccurate pieces of information which another credit reporting agency found to be inaccurate and had fixed. Due to your lack of response, which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. correct these dishonors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
Your initial communication to me of the alleged-debt was within 30 days ago. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: WI

Complaint narrative:
These inquires ae not mine, some of them are from different areas I never once applied to. They are fraudulent inquires made on my credit report from Equifax.. 
XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX WI XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2021-09-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account with XXXX XXXX XXXX is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from Experian and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that XXXX XXXX send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.

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 2021-09-13 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: MD

Complaint narrative:
Inquiries on my credit report that I havent authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bliksum, LLC
State: ID

Complaint narrative:
I have contacted Loan me with no response. I made a payment on XX/XX/XXXX XXXXnd they are attempting to charge me {$600.00} in interest for 10 days ( last payment was 10 days ago ). This is over 1200 % interest. The loan is supposed to be 84 % interest which would have incurred a {$40.00} interest charge for 10 days. 

I have noticed that ALL payments are showing inconsistent interest charges. I have paid a total of {$2000.00} on this loan and due to the shady and inconsistent interest trying to be charged, I want this loan closed and showed paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13 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: MD

Complaint narrative:
I sent a letter to the credit company on XX/XX/2021 and they never got back to me so by law they need to remove ( us bkpt # XXXX ) and us bkpt # XXXX they had up to 30 days to respond and they didnt and did not remove this from my account. these accounts do not be long 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 non-monetary relief
Consumer complaint received 2021-09-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
When I bought the house XXXX  there was a bathroom needed to be completed, 6 months later work was finished. I was told a inspector  would look at it to make sure. No one came. I called several times, finely thy said take pictures send them I did, said thy revived them, thy will send money. The amount with held from escrow was {$600.00} dollars. I have called 2 to 3 times every year, sense. I should be owed interest and some money for inconvenience. I could have used that money. Last time I called I think about 4 months ago, meany calls before that. My understanding was complete work you will get your money back, why did that not happen, I reminded them every yr for 11 years. Whats going on. Thank you

Company response to consumer: Closed with explanation