vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-07 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: GENTRY FINANCE CORPORATION
State: NV

Complaint narrative:
Upon Viewing my new monitoring services i noticed an account not belonging to me from company GENTRY FINANCE. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I received a letter requesting personal information to open a VISA card that I didn't apply for. [ This may be a scam ].

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 2018-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was contacted by a company called citifinancial via telephone for an outstanding credit card debt originally held by Citibank. To resolve it, I paid the debt on XX/XX/2018. I tried to contact the company for a letter indicating the debt was paid. No response. I looked at the charge and it listed XXXX XXXX XXXX   XXXX, not citifinancial. I attempted to contest the charge as fraudulent to my bank. They would not pursue as the charge was at a company more than XXXX miles from my home. I paid {$4200.00}. I then paid the same account to a second company who was legitimate and sent written verification debt was resolved. The first payment is now money lost by me. Request assistance. I have made multiple attempts to contact XXXX XXXX XXXX XXXX and they will not return my call. They misrepresented who they were and they did not hold the debt.

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 2018-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I took out a loan at XXXX for XXXX was paying back XXXX a month after XXXX payment which was a total of {$3800.00} I was under the understanding I was finished paying the loan back. As time went by XXXX XXXX was never on my credit report. Then this year in XX/XX/XXXX a lawyer from D SCott Carruthers contacted me to settle a debt that they say i owed of XXXX when my husband asked who the debt was from they said XXXX XXXX. we asked to send proof at the debt nothing was ever sent.Two months passed and in XX/XX/2018 the lawyers from D Scott Carruthers was calling 4-5 times a day demanding payments, then they started calling my place of business 4-5 times a day which i told them to do not call me at my workplace and my husband trying may attempts to try to resolve the issue at this time my husband was trying to Negotiate with them a payment plan since my husband is out of work and we are a single family income. They started threatening him with if you dont pay today we will take you to court and garnish your wedges if you dont pay XXXX XXXX up front we will take you to court and make you pay and make you pay paper fees and court fees my husband state we could pay XXXX down make monthly of no more that {$200.00} payments which is financial burden at this time and settle at no more than {$5000.00} and she stated they would think about it that was on a Friday XX/XX/XXXX they called back that Monday demanding XXXX down at {$380.00} a month settle at {$9000.00}. My husband re explained we didnt have that kind of money and she state if I dont hear a response by the end of the day I will file a judgment take to me to court and garnish my wedges. This was the last time we talked to her as of XXXX XXXX. D Scott Carruthers has never sent us anything and we really have no way of knowing how much the debt really is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN

Complaint narrative:
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX   once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: IN

Complaint narrative:
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding Equifax once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XX/XX/XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as XXXX XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus. 
On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of Equifax and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative XXXX XXXX almost 18 months ago. It was your company that was an admittance that XXXX XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
I am missing the following payments regarding my VA mortgage loan as well attaching screenshot regarding XXXX  once again has inaccurate information that my property has recently been in a natural disaster within the past week. I have again contacted FEMA and my homeowner 's insurance company in which they stated should not have been submitted because this is false information. They are now as well both involved since this continues showing up by the person behind the computer screen at your company intentionally adding this after each CFPB complaint that I file. 
The following months are missing on my credit report in which I have the signed and cash checks by your company : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX. 
I was told via tape conversations you may want to pull through your company that after forbearance. All payments would be submitted that are missing for the year XXXX. You now tell me that if you submit the payments you will mark them as late however I was not told they will be marked as late since XXXX XXXX misguided me at the beginning of this entire process. How am I to do as Mr XXXX stated refinance my home when my personal bank XXXX XXXX needs to show that my credit report matches the payment history you submitted to me via email late last week there are missing payments 13 as of today with the credit bureaus.

On one bureau report there are payments that were being reported during the forbearance. Yet on another Bureau report there are not. Regardless natural disaster is a false report an allegation that needs to be removed immediately off of XXXX   and any other Bureau at the person behind the computer screen submitted the report. I also need missing payments reported and I'm not talkin late payments because I have been miss guided through this entire process while your representative Mr. XXXX almost 18 months ago. It was your company that was an admittance that Mr. XXXX misguided me and remove me from forbearance I'm making my last payment and removing forbearance from the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Upon Viewing my new monitoring services i noticed an account not belonging to me from company XXXX XXXX. This account does not belong to me and is fraudulent I am a victim of identity theft and it has been reported.

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 2018-09-07 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX checked their database of XXXX XXXX publicly breached accounts and my email address ( XXXX ) showed up in 1 data breach. That means my online accounts and personal info may be compromised. XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ), originally incorporated in the state of Wyoming, is no  longer in business. In XX/XX/2017 a massive trove of data from XXXX XXXX XXXX was found exposed online. The data was found to contain almost XXXX XXXX records including email and XXXX addresses, names and physical addresses all of which was used as part of an enormous spam operation. Once de-duplicated there were XXXX XXXX unique email addresses within the exposed data., also I am part of the data breach that occurred with XXXX XXXX XXXX Equifax and the IRS XXXX I am following the advice from the FEDERAL TRADE COMMISSION on filing a complaint. I have contacted the police department, all 3 credit bureaus and XXXX XXXX XXXX XXXX to make them aware of the Identity Theft and disputed. Nothing has changed and this is not right. I am disputing all of the following information due to be incomplete and innacurate : XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have requested a credit line extension with the GM card from Capital One. I requested an extension in XX/XX/XXXX and was told that credit line increases are not available at this time upon request for this type of account. I requested another extension on XX/XX/XXXX and received the same response. After calling customer service I was told that Capital One has automated their system for credit line increases, however the system does not interface with GM cards. The senior account representative was in no way helpful. I was told that there is no way to manually approve credit line increases, there is no projected date when the automated system will work, that I should keep applying in the future in case the system starts working, and that Capital One will not let its customers know when the system does start working. In short, their customers should keep applying for credit line increases in case the system starts working, but they do not tell their customers that it impossible to be approved. Nor do they have any plans notify their customers if/when the system does start working.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
My account was charged a numerous amount of different transactions without my authorization. I filed a police report after being denied claims from my bank ( santander ). They told me i was denied because the person who took the transactions out of my account gave them documentation that they had my email address and mobile number. They took all of my funds and left my account on XXXX which is starting to add up because of overdrafted fees. I have never gave anyone permission to take a consecutive number of transactions out of my bank account ten transactions all different amounts. I have been banking with this bank for three years I trusted they would get to the bottom of this and they simply told me was not their problem, that it is my responsibility to protect my own account. I am a single mother of twins Ive had to borrow money from family members co workers in order to pay my bills. I was working a 9 hour shift when the transactions started to take place. I didnt notice until it was too late for the bank to stop this person from stealing from me. I filed a police report and the officer told me filing a report wouldnt help much. Im unsure of my next step Santander bank has the worst customer service each representative told me it was my fault.

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 2018-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Recently signed up for monitoring service in which I noticed an account on my file that does NOT belonging to me from company XXXX XXXX XXXX reporting a balance of {$660.00} This account is a fraudulent account as I am a victim of identity theft, I have attached further documents to explain Identity theft. This Account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I purchased a used car back in XX/XX/XXXX. I have paid every payment on time for the last XXXX years. Towards the end of my loan I noticed that TransUnion closed the account which dropped my credit score quite a bit. I submitted a disputed stating that my account was not close and it was still active. The next day it was deleted entirely. I contact my creditor and they assured me that they were bought out and once I keep making my payments it should report back on to my account. This happened in XXXX. I even contacted TransUnion to make sure theres nothing they needed on their end. They told me theres nothing they can do. My creditor has to make the changes. Its been 8 months and its still not fixed. I have since paid off my car and received the lean release. My creditor refuses to do anything because its a closed account and TransUnion refuses to do anything as well. I have submitted a complaint through XXXX and nothing has come of it. I am extremely upset and disappointed over this because this could boost my credit quite a bit.

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 2018-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
Upon viewing my new monitoring service I noticed a debt balance from company XXXX XXXX XXXX for a debt balance of {$1000.00} on my file that is fraud and a result of identity theft doesn't belong to me. I have filed a identity theft report and have attached to this complaint. This balance is claimed to be from XX/XX/2013 I have never used whatever service company offers this is not my account or balance.

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