vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LoanCare, LLC
State: SC

Complaint narrative:
On XX/XX/2019 XXXX XXXX XXXX  assigned my mortgage note to LOANCARE , LLC without my consent to do so. Since XX/XX/2019, LOANCARE , LLC has continued to ask for payment for an alleged debt. I am a veteran buying my first home and the mortgage company took advantage of the fact that I was unaware of their constructive fraud giving to me in a contract. That is a violation of the FDCPA [ 15 USC 1692 ( e ) ]. I have disputed this debt for by the rules of the FDCPA, TILA, UCC, and the company still chooses to provide negative statements to my credit report. Willingly and knowingly providing false and misleading information is direct violation of congress. I did not sign a contract with LOANCARE , LLC. I made no agreement with LOANCARE , LLC. My note was given to the company by way of Identity theft for the securitization on my note. This is an unauthorized use of my SSN and personal identity upon the company. I have been harrassed by LOANCARE , LLC. They have left notes on my door, claiming that I am the borrower and I need to call them. The term borrower is not defined in the FDCPA, and that is because I am the creditor. I am the one who extended my credit through the note and these companies are playing with. At one point the company had an attorney contact me claiming that I owed an alleged debt to LOANCARE , LLC. There are no attorneys. Then the communication stopped. The actions taken by this company has caused me a great deal of stress, financial burdens, and hardships. I have taken the action to bring LOANCARE , LLC in suit for their direct violation of these laws of congress [ 15 USC 78ff ( a ) and 15 USC 1692 ( e ) ( 3 ) ].

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 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: UT

Complaint narrative:
Dept. of Education/Nelnet is reporting negative information on my credit reports when i was in forbearance with them to where i was not making payments, But Nelnet is reporting late payments to credit files when they shouldn't even be there due to me being in Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX/XXXX is reporting that there are missing payments on my account number starting with XXXXwhich i have never made late payments and this account should be paid off in full instead of being a charged off account i paid this account in full

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 2021-01-21 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Financial is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is again the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Costco changed to Citibank credit card for its members. I had stopped using Costco since around XX/XX/XXXX but I was issued a new Citibank credit card which I never even activated since I had stopped using Costco. Unknown to me was the automatic membership renewal fee of {$60.00} which was charged to my Citibank credit card in XX/XX/XXXX. Even worse was that unknown to me I was signed up for paperless billing. I never saw the email bills possibly because they went into junk mail. Citibank kept adding {$40.00} fees every month plus interest since XX/XX/XXXX and I never saw a single bill. Finally I received a letter in the mail on XX/XX/XXXX from Citibank collections about my unpaid balance which had ballooned to {$250.00} from the {$60.00} charge in XX/XX/XXXX. I immediately called Citibank Customer Service to explain my predicament and even after being tossed around to 4 different unsympathetic customer service agents on the phone, they were unwilling to recognize my unfortunate situation and kept insisting on the full payment. Finally I was exhausted and settled up with a payment over the phone. This is an example of predatory lending practices where a {$60.00} charge grows to {$250.00} within 4 months. I should add that I have a credit rating of over XXXX and always pay my credit card bills in full every month. Shame on Citibank. I would like to be reimbursed for the exorbitant late fees and interest.

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX, XXXX, Equifax are blocking me from seeing my real credit report. I already hired an attorney and he found mortgage and bankruptcy on my social security number. The attorney sent dispute letters and all they did is send the same false credit report to me which is very confusing. The real credit report they never provided. It's locked up because they say everytime that they can't identify me, but I already provided my documents to them, but they ignored that.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is reporting on my credit late payments on my credit files which i was never late with them i was all ways on time even early then i got a new car and the new company paid the rest of car off which arrived by the due date so even the other dealerships payment was never late. 

Account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: MI

Complaint narrative:
Checking my credit report today and I noticed some accounts open that Im not aware of as you know posting anything on my report without my consent is again the Fair Credit Reporting Act and it should be removed immediately I have a Ftc report attached for more details.

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 2021-01-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  XXXX Balance {$770.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX XXXX Balance : {$2400.00} - This account has been transferred and you're still reporting the original creditor. You are reporting this account twice. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of the last activity. These are all violations so please DELETE Immediately. 

XXXX XXXX Balance : {$5100.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance : {$1900.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified. 

XXXX XXXX XXXX XXXX Balance : {$11000.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete 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 explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX

Complaint narrative:
XXXX XXXX I recieved a call from cardinal financial company XXXX, texas XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX XXXX from employee XXXX  XXXX XXXX He called inquiring regarding an application I inquired about for pre approval requirements for home buying. Due to me and my husband taking a first time home buyers course at the time. During the conversation XXXX XXXX ask for me and my husband social security number even though my husband was not near me and due to me being at work at the time. I informed him that I was not comfortable and my husband would need to consent for him to run his credit and that I could not do that. XXXX XXXX informed me that he would not run a credit check due to me calling just inquiring and for him needing permission from my husband and I to complete the application. Instead after the call ended abruptly fast mr XXXX XXXX ran a credit check for myself and my husband using credit plus which he failed to mention. Afterwards I reached out to cardinal financial by phone, email, and customer advocacy and did not recieve a response and still have not recieved one to date regarding concerns for my credit and significant other. The only response I recieved was that my application was suppose to be considered not complete and they have no information but there information is wrongly on my credit and has affected my credit score. We are looking into pushing forward with lawsuit for XXXX and breach of consumer 's act or willing to settle in mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering 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 2021-01-21 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A negative balance was incurred on the credit card ( i.e. XXXX took money from my checking account and drove the credit card balance below zero, in effect overpaying off the credit card by an amount of XXXX. Then a service charge was unexpectedly incurred, effectively taking a portion of the money the bank owes me from a value of XXXX to XXXX. So in effect Bank of America utilized a service fee to negate the fact that it functionally owes me money ( since their automatic payment service transferred money from a checking account of their competitor 's to themselves ). In summary, BOA siphoned money from a checking account to pay off a credit card sitting at a balance of XXXX, then is negating their error by charging service fees to return overall balance to XXXX. In common sense terms, if deliberate, it's petty theft. If in error, it's a terrible mistake.

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 2021-01-21 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: GA

Complaint narrative:
I have filed a complaint in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigations.

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 2021-01-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I sent dispute on XX/XX/2020 and it has been well over 30 days still with no response showing any results or verification of the disputed items in letter. Letters were sent to credit bureaus XXXX & Equifax for the inaccurate reporting. These items should be corrected and removed. It has caused tremendous problems for me during the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: LA

Complaint narrative:
I have a student loan with XXXX and it should have been forgiven due to a lawsuit against the school and I am still being charged. I need that amount forgiven ans my credit report to reflect such. They keep adding ontersr ro the loan and it should be paid off. I had been paying on this loan for years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX while XXXX with the XXXX XXXX, I contacted CITI about a 30 day late notice that was reported to the credit bureaus. The 30 day late notice was reported to my credit on the month of XX/XX/XXXX ( XX/XX/XXXX ). This was during a time where I had limited internet access and could not make payments to my account. Mobilizations while XXXX are coming and I was without reliable internet for almost 2-3 months. I contacted CITI for a courtesy removal/ hardship removal of the notice from my credit report on XX/XX/XXXX. I was told by the representative that this should be approved and there should be no problems with my request. 

I called at the beginning of XXXX and found that on XX/XX/XXXX CITI had approved my claim and that it should be updated on the next statement. My statement period ended XX/XX/XXXX and the 30 day late notice was still on my account. I called XX/XX/XXXX three times and was told all of those times that the request was approved and that I would have to wait 30-45 days for it to be removed from my credit. I even spoke with a manager who requested a letter on my behalf so I could prove to my loan officer this notice would be taken off my credit report. At this point I was told by multiple people including a manager that this problem would be resolved, with one who proposed a resolution letter for me. 

I contacted CITI the very next day and was told that the request for the late notice to be deleted had been denied since XX/XX/XXXX. Even after I had received information that it was approved by multiple people. He told me that even though Im XXXX and had no access to internet and my account shows that I am under XXXX the minimum payment should have been made, which is understandable.Although, this is showing no loyalty to those overseas serving their country who run into such situations. Moreover, why was I told incorrect information, and waiting for an issue to be resolved while getting wrong information on multiple occasions. This lack of correct information is going to cost me approximately {$7000.00} in interest for a mortgage I am preparing to close on. 

I would like to see the initial promise of this notice being removed from my credit report upheld. I have also complained to the XXXX and my next step is contacting a JAG through XXXX legal if this is not resolved.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
Synchrony bank has improper consumer lending terms and conditions that can unexpectedly impact your credit score. According to the terms and conditions of a store credit card, they are able to close your account without warning. The credit card was canceled because a payment was accidentally made with an old bank account. The old bank account was rejected immediately and the payment was made with the correct bank account. The account always remained current and no payments were ever missed, but of course none of that matters to Synchrony. I was not notified until the account was closed. Upon calling the customer service hotline I was met with extremely rude and unprofessional representatives who were anything but helpful. Our credit score ( we are currently on the market for a new home ) will be irreparably harmed by making the unfortunate mistake of deciding to use Synchrony Financial.

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