vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CFW Holdings LLC
State: TX

Complaint narrative:
Cash for whatever rep : XXXX called my work to request payment. I advise him I am not allowed to receive calls at work. For the company to contact me only through written form. This was on XX/XX/XXXX. Since then they have contacted my personal phone every day and they keep calling my work several times now. They just contacted me today XX/XX/XXXX to my work. Rep. XXXX called to request payment. I advised them I'm aware of the debt and will pay it as soon as I can. And still they keep on calling.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
student loan accounts are showing a status as " CLOSED '' instead of " PAID IN FULL '' as it does in the student loan database. I never sent a letter asking them to close the accounts after they were paid because this would adversely affect my credit. 
Paid in Full Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Stafford Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and XXXXoan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid in full Account and Loan Details Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$0.00} Paid 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 non-monetary relief
Consumer complaint received 2020-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I opened an HSBC premier checking account because the bank had a promotion offering {$750.00} if I made {$5000.00} in direct deposits for 3 months. I satisfied the requirement but have not received the bonus. I called on XX/XX/2020 and was told I would receive a call back by XX/XX/XXXX but never did. It's unfair for banks to lure consumers with attractive promotions and then fail to deliver on their promise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of storm Sandy in NY in XXXX. Unfortunately that was followed by numerous incidents including but not limited to Home Invasion, Grand Larceny, Burglary followed by ( what I didn't know at the time ) Identity theft. 
I had numerous records and accounts that are associated with identity theft. Said account where opened without my permission and authority and I had no knowledge that these accounts ever existed until I started receiving notices of missed payments and my credit report reflected these negative account ( s ).

Police report was filed and submitted to all Credit reporting companies, however, no actions were taken by any of them in order to remove said derogatory information off my Credit Report. 
Furthermore, my Bankruptcy that was filed due to a lengthy and hideous divorce proceedings that started in XXXX in still on my records despite 7-10 years guidelines set by Rules and Regulations of CFBP. 
I respectfully request your assistance in resolving these issues and removing negative information off my Credit Report. 
Sincerely, Mr. 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 explanation
Consumer complaint received 2020-01-24 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: Nelnet, Inc.
State: MD

Complaint narrative:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XXXX XXXX closure of XXXX XXXX 3 colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Netspend Corporation
State: TX

Complaint narrative:
I was contacted yesterday from a private number and they left me a voicemail stating that I owed money for an old payday loan and that they are threatening legal action against me. The number that they left to call back was XXXX. When I called the number I was told that XXXX county sent them my information in regards to a debt and that I would have to speak with a compliance officer in their office. When I asked where they were located the representative told me XXXX Georgia. So I asked her for an address and a contact number to the person who contacted me. She told me that they didnt have one. I told her that if they were looking for me they need to contact me and stop harassing my family and friends. She just kept saying they did not call me because they dont make outgoing calls in their office. Me and the rep kept going back and forth and she hung up on me when I told her they are just a call center. I called right back and demanded to speak with a supervisor. I spoke with the supervisor and asked her for a local number to call with an address since supposedly they are filing a court summons in my county. She told me they dont have contact information. She was very rude when I asked her how am I supposed to contact someone with no number? She told me I need to answer the phone when they call next time. I told her there is no number that shows up and my one doesnt ring when they contact. I just end up having a missed call from a private number and a voicemail threatening legal action against me. She then hung up on me. They had my address and everything.

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 2020-01-24 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: NY

Complaint narrative:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-01-24 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: MA

Complaint narrative:
This is a complaint about my payments to XXXX XXXX XXXX XXXX in XXXX MA. At the end of the year they went back and applied all my payments that were only a couple weeks late to my upcoming payment, making it look like I had missed my XXXX payments. I have checks with dates and withdrawal dates that prove I paid them all within 30 days. Late payments should not be reported to credit bureau unless > 30 days late. So for example my payment is due on the XXXX of every month. In XXXX. My check was sent XX/XX/XXXX and was cashed XX/XX/19. Then in XXXX I sent it 2 weeks late and they didnt cash it until XX/XX/19. But that is still within the 30 days. They applied this payment to my XXXX bill early and reported to credit that I missed my XXXX payment. UNACCEPTABLE. I have never missed a XXXX dollar payment since I got the loan 3 years ago. This dropped my credit score 100 points right as Im about to start applying for mortgages!!!!

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 2020-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A vehicle was rented at XXXX XXXX on XX/XX/2019. 
I used Citi Visa credit card. 
Instead of apx. {$24.00}, a charge of {$420.00} was made on my card claiming damage to vehicle. I disputed the charge with Citi cards but after cursory communication with XXXX/XXXX where they produced fabricated repair bill, closed my dispute and re-charged me for {$420.00}. 
Citi cards are not willing to argue with the fraud but rather charge 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 2020-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My Credit card account was closed due to incorrect understanding on my dispute by TRANSUNION. I had raised a request to Transunion on removing some remarks from my credit card account file number : XXXX. 

The credit card account ending with XXXX was mine. 

I recently had some unknown transactions on my credit card and I had filed complaint with XXXX XXXX XXXX and removed the transactions from my card and got my money back by filing consumer financial production ( XXXX ) And I wanted credit unions to just remove comments on High balance and increase in balance and I have clearly mentioned the same in my dispute details. 

Instead of reading my dispute comment properly or doing what I had requested. They though the account was not mine and made XXXX XXXX XXXX closed my account and I lost all my credit points on the card. 

I had called Transunion last week and asked them to fix the issue. Instead they told me to call XXXX XXXX XXXX and fix. They told XXXX XXXX XXXX will take 6 months atleast to reopen my credit card account. 

Now due to this miscommunication from transunion i cant use my credit card or apply for new one as my credit score is down.

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 2020-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: MA

Complaint narrative:
XX/XX/XXXX i receive a notification from Round Point that there was a problem with the insurance on my home Round Point had bought the mortgage in XXXX of XXXX and did not notify the insurance company of their purchase of the mortgage so the billing and payment were not sent At this time I immediately called my insurance company and a new binder was sent to Round Point to remedy this situation I received my bill from Round Point this month and the payment had increased XXXX dollars per month I immediately called the company and spoke to the representatives They informed me that the escrow had changed because of the insurance The representative XXXX had told me that my insurance had not been paid and that round point had placed forced insurance on me I asked why this was and they stated that they had changed address and never received the bills from my insurance company so they were not paid The representative stated that they had called my insurance company and had not heard from them They also stated that they had sent me letters They also claim they made 1 call but I never received this call This all supposedly happened in early XXXX They also state that they sent a letter but I do not remember ever seeing a letter Admittedly at this time I was recovering from XXXX XXXX and my brother in law died suddenly and we were occupied with those affairs At no did my bill change for the mortgage The bill was paid each month in full on an automatic payment along with an additional amount in case any escows changes The first I have heard of the insurance is when I called after receiving my XXXX bill Round Point placed the forced insurance on the account at a cost of XXXX dollars The cost of the insurance through my insurance is XXXX dollars This can only be considered predatory I spoke with the representatives and the company refused to refund this money despite the customer service reps stating that the problem was caused by round points change of address and not notifying my insurance company The company stated that I had had that insurance on my property for 222 days i did not know because there was no change in bill and no other attempts were made after making no contact in XXXXI offered the company XXXX dollars which would have been the cost of the insurance if they notifications to either myself or my insurance company were received and they refused charging my escrow account over XXXX dollars

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 2020-01-24 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: NJ

Complaint narrative:
In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX  customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.

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 2020-01-24 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: NJ

Complaint narrative:
In XX/XX/XXXX I attempted to open a phone account with XXXX. I was still an XXXX customer. XXXX sent me a SIM card which couldnt be used because the phone wasnt unlocked. I informed XXXX a few days after I realized this so they could no I couldnt use the SIM card, phone, or account so the lines werent used at all. I told XXXX multiple times this issue and no one did nothing. A few days later XXXX sent me a email stating hey we have notice the lines are unused please contact us which I did. However I still was billed a {$200.00} bill for a service I didnt have. I have called multiple times and the reps have been extremely rude. As of today XX/XX/XXXX every rep that told me to hold on after I explained the situation lost contact with me and another rep would answer the phone without knowing anything. They have committed fraud in my name stating that I had an account which I did not. It is on my credit report based off me having an account which I didnt have. How can I be charged for a service I never had.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Vanguard Financial Services, Inc.
State: VA

Complaint narrative:
VANGUARD FINANCIAL SER Has account on my credit report that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24 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: GA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-24 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: GA

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACE ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAD TO XXXX THE NAME OF THE ACCOUNT TO KNOW THAT IT WAS A RENTAL PROPERTY THAT I KNOW NOTHING ABOUT. THIS DEROGATORY ACCOUNT IS CAUSING A GREAT DEED OF STRESS TO MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief