vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
Unfortunately. I am a victim of identity theft.

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 2019-12-11 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: CA

Complaint narrative:
Unfortunately. I am a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Try to get a modiffication and was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
While vising XXXX my debit card was transacted for $XXXX  and debited from my account. Wells Fargo said because my PIN was used that i gave someone permission and closed my claim. This is untrue as no one has my PIN and my card did not leave my procession. there was also 3 other denied transactions leading up to the amount in question. Why  didn't wells Fargo stop my card then, when it was evident that someone was trying to access my account? The occurrence happen XX/XX/19. Please help 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 2019-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I've contacted Nelnet via certified letter to request the original master promissory note to verify the loan debt is in fact mine. They have failed to provide the original master promissory note to me ( on multiple occasions ) with my signature and unable to verify that the student loan debt is in fact mine. 

The debt is being report late on all of my credit reports and requesting that the debt be removed from credit file since Nelnet is unable to provide this master promissory document thus unable to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
I recently had my credit profile pulled. Upon looking at this report I have noticed there are accounts that are not mine AND accounts that were never late. PLEASE SEE ATTACHED POLICE REPORT.

I sent your bureau a dispute letter in regards to these accounts on XX/XX/XXXX and XX/XX/XXXX asking that they be removed. Please note response should have been provided by date XX/XX/XXXX. I have not received report and Experian is over the time frame required to submit report to me. Please refer to the attached Experian XX/XX/XXXX dispute letter sent to them.

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 2019-12-11 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 — Was not notified of investigation status or results
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Fidelity Creditor Services inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, I've sent multiple letters to Fidelity Creditor Services. I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. 

My last correspondence to them ( see attached ), was indeed received by them as reflected on my certified receipts ; however, they have not responded. My certified receipts reflect that they received my dispute. The first set of documents provided bu this company lacks veracity. They bore handwritten information that appeared to have been manipulated. The first violation is that Fidelity inserted this unverifiable, inaccurate entry on my report without providing me time to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my first dispute. These are direct and blatant FDCPA violations. Fidleity must immediately delete this erroneous entry from all of my credit reports. If they indeed are alleging that I owe them for XXXX XXXX, why then did they not provide the original terms of agreement as well as any other updated conditions and terms of agreement? Why did they not provide a copy of the ledger to reflect any payments to them? Why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged {$660.00}? Or the {$470.00} that is reflected as the original balance. Why are there two different numbers? These numbers are arbitrary and lack veracity. Fidelity is refusing to respond to my request, yet they continue to report this inaccurate, unverifiable entry. Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [transactions that I have made/accounts that I have opened], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-11 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: TX

Complaint narrative:
Been trying to get Experian to delete these alleged accounts and inquiries. Experian did not do anything but denying. Sent them proofs that other credit bureaus had complied with my request.- XXXX #XXXX- XXXX/XXXX #XXXX- XXXX/XXXX #Inquiries: - 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 2019-12-11 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 — Was not notified of investigation status or results
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank credit card I have reported that my credit card is not on file with all three credit bureaus esp. Transunion credit bureau. There was no dispute of any kind with Citibank. Two decades of open credit history is completely vanish from my credit report with Transunion, Experian and XXXX. I open my credit card back in XX/XX/XXXX. I contact Citibank credit card to report the problem and was not successful with speaking to the department who deals with this sort of issue. I was told by Citibank credit card representative that the department who handles these sort of things does not have a number where I can contact them and speak to someone over the phone they only had a fax number. I fax that department on XXXX, XXXX and XXXX of XXXX. I have reported enough information and made a full statement to Citibank three times this year. I mail a letter to them with my private information credit card number, last 4 digit of my SSN, full address and telephone number and email. I have yet to get a response from Citibank concerning this very important issue and here we are in the month of XXXX. No Word From Them What I will like for consumer financial protection bureau to do is run a compete investigation on Citibank credit card to see why my credit card is not on file with all credit bureaus. This matter have taken me by storm because my credit score has drop below 600 because my credit report shows I have NO CREDIT. Right now it shows I have no credit at all which put me at bad credit because 20 years of credit history with Citibank has vanish from my credit report. My main concern is for Citibank to REPORT my credit card to XXXX, XXXX and XXXX each month and show proof that each credit bureau show my credit card with Citibank.

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 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
The IRS filed a garnishment against my checking account with Fifth Third Bank on XX/XX/XXXX. I contacted the IRS on XX/XX/XXXX and informed them that it was illegal to garnish a XXXX payment according to Federal and State law. They acknowledged the error and released the freeze and faxed the release notice to the bank the same day. On XX/XX/XXXX Fifth Third bank charged me a processing fee for the garnishment and said that the IRS did it. After contacting the IRS again I was told by Agent XXXX that the IRS has nothing to do with the charge and does not charge a bank any processing fee. 

I contacted the bank again and asked the bank to remove the charge. XXXX ( Customer service manager ) said it was impossible to remove the charge because no one knew how to remove it and " we can charge this because the IRS charged you. " XXXX agreed that a XXXX payment can not be charged and referred me to the local branch to see if they could remove it. 

I contacted Ms. XXXX XXXX ( Customer service manager ) at the local branch. She contacted their customer service and asked to have the charge removed. Ms. XXXX was told after working on this for 2 days to tell me that they could only remove the charge if " The IRS sends them a letter stating they made a mistake and instructs them to remove the charge. '' This makes a resolution impossible. If the IRS is not allowed to place a illegal action on the account, the bank should not be allowed to profit from it. This bank should be investigated for fraud and fined for all actions like this discovered. If they are doing this to all of their customers they are robbing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I had paid on these loans for over 7 years, sometimes paying additional money to go to principle.  In looking at the records, that doesn't show on the payments.  As a matter of fact, when calling customer service about this issue, they would just state "it is going to principle, we don't have a way of proving that".  I paid on these loans every month over 7 years.  My debt owned did not even barely go down over the course of my payments!  I have finally looked into it more closely and decided to refinance.  I refinanced $XXXX, which shows a payoff date of 7 years.  My original loans were roughly the same amount when I began paying...how it is possible that over the course of paying I didn't put but a small dent in my loans in roughly the same time period?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a promotional email by Citi bank on XX/XX/XXXX which said I will be given a XXXX dollars credits if I use my Citi credit card to purchase XXXX dollars or more through XXXX in 2 months. I did as follows. But four months passed, I have not received my bonus.

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 2019-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: KEYCORP
State: OH

Complaint narrative:
I opened a checking account with Key Bank on XX/XX/2019 based on a mail solicitation I had received to open such an account. As an incentive to opening the account the mailing promised a {$500.00} credit if you make " ONE single KeyBank direct deposit of {$500.00} or more within 60 days after account opening. * ". Obviously, receiving the {$500.00} credit was my primary motivation for the action I took. 
When I read the fine print of the mailing it noted that the only acceptable direct deposits were " payroll, Social Security, pension and government benefits ''. Today ( XX/XX/2019 ) I contacted Social Security ( online ) and redirected my monthly Social Security check to my new Key Bank account. After entering the required information on the Social Security web site, it informed me that the first deposit to Key Bank would be with my XXXX payment ( XXXX was not an option ). My XXXX payment would not occur, however, until on or about XX/XX/XXXX. Thus I would not be able to qualify under their 60 day rule. 
Since this was only a day or two later than the 60 day requirement, and since I was probably not the first retiree to encounter this situation, I was hopeful that they would make an accommodation for my good faith effort to get the direct deposit ( which, of course, would be a recurring deposit ) into my new account. I was wrong. I made this determination when I called the " 866 '' number on their mailer and  spoke with one of Key Bank 's representatives. He said they would not make an exception and that I should instead direct my payroll or pension benefits as a direct deposit ( he noted that he was aware that Social Security routinely could not meet a 60 day direct deposit deadline, but that other sources such as payroll or pension probably could ). I am retired and I am not currently on a payroll. My pension payment goes into an account from which my mortgage and credit card debts are automatically debited making any change to that arrangement complex and undesirable. 
I told the Key Bank representative that I felt their mailing was deceptive at best and perhaps fraudulent. I told him that because of their lack of having a reasonable accommodation for my situation, I would be terminating my account. He said if I did that I would be assessed a {$25.00} early termination fee. At that point I told him I would also be filing a complaint with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
I enrolled in XXXX university under false statements of affordability to pay back my school loans in the future. I am in debt {$90000.00} in school loans for basically a worthless piece of paper. Well known, not for profit, state university degrees are just a fraction of that! I have never been able to find a job with my degree, years later! Most employers ask about XXXX and once they look into the school Im laughed at and passed up for the opportunity! When I wanted to further my education I had XXXX small children at home and only a XXXX. XXXX  high pressure sales type tactics had me enrolled before I could even sit down and think about it. I was told my school cost would be covered by federal school grants and that XXXX was one of the most affordable colleges in the nation. I was never told they were taking out private loans with high interest rates, and I would be swimming in school loan debt that would exceed that of a licensed medical doctor. I was told that school credit hours were {$770.00}. After doing my research I found that was a fair amount for furthering my education. However, that cost continued to rise the further and further I went into my college and school loan commitment. It exceeded more than {$2800.00} a credit hour by the time of graduation. This is something XXXX knew, they knew that {$770.00} was an initial introductory cost to fool you and hook you, while sophomores and seniors were already paying an upwards of {$2000.00}. XXXX also held my degree and refused to send it until I paid {$970.00} for graduation cost, cap and gown etc.. when I explained I could not attend the date in Iowa , they said it didnt matter, it was due or I didnt get my {$80000.00} piece of paper. I graduated in XXXX, and have never been able to find employment with my degree from XXXX. Since then I had to go on an IBR repayment plan because my school loan cost would have been $ XXXX  monthly. This has caused my private loan interest rates to stack up. Im begging for help! I know they have many class action lawsuits against them, i pled someone hear my case and allow me to join in the complaint. I begging for some type of relief from this fraudulent debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: Netspend Corporation
State: MA

Complaint narrative:
On XX/XX/2019 Netspend is currently my trusted bank and they misused my funds for their own personal use. Netspend withheld held my funds from me when I mentioned I was in a state of emergency. A netspend phone representative did not allow me to speak to a supervisor to discuss some financial matters on my account. On XX/XX/2019 I reported my card stolen and requested for a replacement. On XX/XX/XXXX I sent some money from my netspend account to western union   for pick up. XX/XX/XXXX at XXXX I tried to transfer again however I was denied. I tried to call netspend, the automatic phone responder claimed that the call center was closed during advertised business hours. XX/XX/XXXX at XXXX A phone responder denied me access to her supervisor. The operator explained that the reason for me being unable to make a transaction on the account is because I didn't have an active card. This is not true I made a transaction XX/XX/2019. The representatives continuously lie and give customers the run around. This company is practicing deceptive practices such as keeping customers money and misleading information regarding their accounts. This company offers many services that they do not provide.

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 2019-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: TX

Complaint narrative:
I have made several attempts to resolve this. First I was never notified of the debt but it was placed on my credit report. I already had insurance with another company on the days they are charging me for. Anyhow I paid it since they agreed it would be removed. 
Second My wife called the original creditor who I have on a recorded line saying they would delete after payment. 

Third the company has failed to respond to my validation of debt request! I have kept a paper trail and plan to seek legal council if this does not get deleted permanently. This was a XXXX charge they are stating and why would I risk XXXX going on credit? No one ever notified me that I owed anything or I wouldve paid it prior it is illegal to insert a debt on someones credit report without proper notification. 

DO NOT CONTACT ME BY PHONE!

Company response to consumer: Closed with explanation