vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
I disputed it. They say i owe this company but i never had electric with this company. I only used XXXX XXXX XXXX XXXX My identity was stolen. I have no idea of who they are. I live in ohio only. Never got electric anywhere else. My gas was XXXX. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I have received a letter regarding my BestBuy ( Citi Bank ) Visa card today, the letter was in regards to their monthly automated statements being returned. While, I appreciate the letter and the importance of informing me about this issue, there is one aspect that I have a huge problem with. On the top left hand side of the letter is of course the return address : " Best Buy Credit Services '' .... directly across the page is my COMPLETE 16 digit account number. My complete account number that, by the way, you can read through the envelope if held up towards a light. I have received this exact letter before several months ago and I called and spoke with an CSR who was not able to help at all. 
I think this is a serious issue that can easily lead to someone fraudulently using my account.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Based on the information, I will provide below, I AM REQUESTING THIS ACCOUNT BE REMOVED FROM MY CREDIT REPORT/CREDIT FILE BY XX/XX/2021. 


Please remove it from my credit report/file. 
1. DEPTEDXXXX 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 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
The following message is being sent multiple times during the week with no recurring schedule. This transcript was captured by our XXXX  voicemail system. 

" This message is from XXXX XXXX XXXX calling on behalf of XXXX XXXX XXXX. You may log in to our website at XXXX or call XXXX for further details to make your payment in full. You will need your reference number and ZIP Code. '' - XXXX Mailbox XXXX has a new voice message from NAVIENT ( XXXX ). 
Length : 28 seconds Received on : XX/XX/2021 XXXX ( CDT ) There has been no written notification of any debt as required by federal law. We have no reference number. That has kept us from returning the calls because of the obvious scam. There is no information that identifies the recipient of the call, so this is apparently a generic robocall. The web site listed is " under development '' and not a functioning web site. XXXX 's home web site is also not functional. 

There is no debt owed to our knowledge. There has been no hit to our credit rating XXXX XXXX  : XXXX out of XXXX XXXX, so this is not a legitimate claim. The use of Navient implies a student loan is involved. This phone number is relatively new and was not in service at the time any of our children were in school. We have disconnected the phones in the home in order to avoid a daily recording of these messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a checking and personal line of credit Citibank offers for bounced checks. In XX/XX/2021 I overdrafted ( which I have not done very often maybe 3 times in more than 25 years. 

I have an auto pay set up with Citibank, and when my personal overdraft account was emptied, even though I had money to pay my auto-pay bills in my checking account, they quit paying my credit cards which were set to auto pay on XX/XX/2021. 

Because of this, I not only got a hit from Citibank due to my negligence, Citibank because they failed to pay my auto-pay bills for two months, I am now deliquent for six accounts that were on Auto pay. They basically just shut down my auto pay even though there was money in my account. 

They did not notify me of this practice. I only found out when my cards started getting rejected at the register

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 2021-07-13 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: NY

Complaint narrative:
I reached out to transunion twice and filed a report immediately when the accounts appeared on my report to let them know it doesnt belong to me. Dates are XX/XX/21 and XX/XX/21. The still have incorrect information showing up. I took it up on myself to contact the collection agency who reported it without verify if the account even belong to me and contacted the company they are trying to collect for. The collection company sent me a letter stating they asked transunion to remove from my credit however transunion havent and I even call them again over the phone and they said file another dispute. This collection on my report is affecting my financially and this need to fix or action needs to be taken against transunion.

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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information OR the authority to obtain my personal information on their own they are in violation of FCRA 15 U.S.C Section 1681. How did they get this information? I have tried contacting the credit bureaus and no one was able to help me I was just being passed around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my Report I filed for identity theft because these accounts were not mine. Have them remove these thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. USDA - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Step 1 : What is this complaint about? 

a. Willing to pay off mortgage arrears. Waiting 6+ weeks for arrears and payoff statements. Since I have an attorney, Loan servicer - Rushmore will not talk to me. 

b. Previous reinstatement letters and payoff statements provided from Loan servicer - Rushmore, were incorrect and the " categories '' of payments, advances, legal fees, escrow etc.., were mistakenly " switched around ''. 

c. Paid {$56000.00} paid during Bankruptcy but have NO assurance from Loan servicer - Rushmore, that this amount will be included in arrears payoff. 

Loan servicer - Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 2 : What type of problem are you having?

Have repeatedly asked Rushmore attorney and my attorney to provide payoff amounts. Have repeatedly asked Rushmore attorney for a contact AT Rushmore that I can speak to about the arrears and payoff amounts. 

RUSHNMORE ATTORNEY : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Main : XXXX Step XXXX : What happened? 

No response from Rushmore or Rushmore attorney. 

Step 4 : What company is this complaint about? 

Rushmore Loan Management Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX Step 5 : Who are you submitting this complaint for? 

Self. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX. Florida XXXX. XXXX XXXX XXXX cell.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Morning, I have a Goldman Sachs Apple Card. I used it to purchase an XXXX XXXX and watch back in XX/XX/XXXX. I was having user ability issues and during the peak of covid most apple stores were limited so I returned the items the same month of purchase, XXXX of XXXX. Install payments seized after I returned the products. In XXXX, XXXX i starter being charged install payments in the amount of {$11.00}. Once I noticed this amount was being charged for a returns item I immediately contacted Apple and Goldman Sachs. I have made many calls and get transferred multiple times. They have proof the items were returned. I made a duplicate payment in the month of XX/XX/XXXX and I should actually have a credit on my store account. They took the duplicate payment and applied it to XXXX XXXX for products returned. If this sounds all confusing to you I understand but the issue is they keep charging me. When I asked them to close out my card due to their own incompetence they read a disclaimer that I would be responsible for the total bill owed. I am not paying for installment payments for products returned. They keeps charging me monthly and while everyone is polite and kind when I call they continue to charge my account. I was told that my account would be frozen while they investigate the matter but instead I received a letter stating it Thuy are trying to collect a debt. They have failed to show my why I am being charged this amount and havent cleared this matter up. I have asked them to contact their tech support. They keep misappropriating my payments and I dont owe them money. They have failed to return my funds and I am thinking about contacting the media. I have never had a credit card fail to investigate fraudulent charges to an account and they have the nerve to send me a bill requesting payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 40 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 40 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress that you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
Factual Data excessively ran unexplained and unprompted credit inquiries from XXXX to XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Student Loan Care, LLC
State: OH

Complaint narrative:
I pay {$600.00} to the U.S Department of Education - XXXX XXXX. The payments of {$50.00} were taken from my bank account every month which amount to {$600.00}. completed and signed paperwork was mailed to XXXX. XXXX XXXX, XXXX, NE XXXX. Fax : XXXX, phone # XXXX. After taking this amount from me, I call the phone number above, it has been disconnected. I was hit by a XXXX XXXX on XX/XX/XXXX of XXXX with a XXXX injury for which I'm receiving XXXX from Social Security. My XXXX number is XXXX. I can not remember the actual organization or Agency ( Student Loan Care , LLC OR XXXX XXXX XXXX XXXX XXXX ) but on my Bank Account record, it is written Student Loan with this phone number : XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 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: NAVY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
XXXX XXXX sent me an email that my credit score changed because there was a Hard Inquiry on XX/XX/21 from Navy FCU. I have never heard Navy FCU prior to this inquiry. 

I contacted XXXX, they said to contact Navy FCU and gave me the phone number XXXX, I called them and they said they didn't have me as a client and did not do an inquiry on me. 

I again contacted XXXX, they stated the definately received an inquiry from Navy FCU. They said i needed to contact FTC.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
Contacted Freedom mortgage to have my Mortgage Insurance removed, I contacted them over 10 times over the past month and a half, I provided everything they asked for and they are not removing my mortgage insurance. I have had the mortgage over 6 years, have made every payment, have fico or XXXX, the home value is around {$320000.00} and the mortgage is around {$180000.00}. I was told to send a check for an appraisal with was wrong info ( have the email ) then was told to send {$150.00} for XXXX and they got it and are saying I do not qualify but they did not pull a XXXX  yet, every representative tells me something different.

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 2021-07-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL

Complaint narrative:
This company is making statements COMPLETE PAYMENT RECOVERY SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX sent in a check and they are now turning me into the check bouncing system. they have been threat me turn me into a bad check writing system and harassing me on the phone. they are making false statements and defamation of my character. I have called many times and asked them to stop making such statements and that I have never sent or issued a check to no one. I also have verified this with the originator debt XXXX XXXX that I never sent XXXX XXXX a check and they never got a check XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Commonwealth Financial Systems, Inc.
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It was been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
fraud. collecting money, I donot owe ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX  XXXX Account # : XXXX | XXXX  XXXX Account # : 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 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I didn't get notification regarding the disputes I sent for the following accounts I listed. It has been several months since I'm disputing these accounts : XXXX XXXX XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX  Account # : XXXX | XXXX Account # : XXXX | XXXX XXXX Account # : XXXX | XXXX  XXXX Account # : 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 2021-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I have asked Credit Karma at least twice in the past month to close my account, and they have ignored my responses. When I create new tickets because I was ignored, they keep making up excuses for why my account is open. I do not have any disputes pending or any money in the account, so I don't know what the holdup is. When I closed accounts at other banks in the past, it was usually done within 24-48 hours. Please close my checking account once and for all Credit Karma! XXXX!!!

Company response to consumer: Closed with explanation