vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-01 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I was notified that my mortgage service company XXXX was being transferred to Shellpoint Servicing. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with Shellpoint, they stated XXXX was no longer in business. I attempted to make a payment to Shellpoint, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/2020, XX/XX/2020, and XX/XX/2020 an unknown individual gained access to my banking information and made four separate XXXX transactions from my savings and checking account to themselves ( {$490.00}, {$490.00}, {$490.00}, {$490.00} ). During this same time I believe the individual changed my personal email password numerous times as an attempt to keep me from seeing the bank emails that notified me of the XXXX transactions. I would reset my password and then a few hours later I could not access my email. When I looked in my spam folder I saw four emails from the bank notifying me of the transactions. I immediately called my bank to notify them. My case was turned over to their fraud department. The fraud department concluded that because the individual had my login and password, they are refusing to return my stolen money. These transactions were unauthorized by an unknown person or persons.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am begging me, do the right thing and give me my money back

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 2020-08-01 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: GA

Complaint narrative:
I have advised TransUnion on several occasions that I was never late on my XXXXXXXX XXXX   account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX, or my XXXX   XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX   XXXX XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXXXXXX XXXX XXXXXXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to TransUnion that this information is inaccurate. TransUnion has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from 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 2020-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: VA

Complaint narrative:
Phoenix Financial Services LLC attempted to collect a debt from me that is not mine. This was noticed when a negative account popped up on my credit report monitoring. I immediately called Phoenix Financial Services LLC to find out what this could be as I do not have a balance of XXXX owed to anyone. It quickly became apparent that this is not my debt, and this is another person with a very similar name. it is assumed it was identity theft but now I think it could be t certain it could be a mistake made by the debt collection agency. They will not provide the documentation I need to file a police report. This has been going on for 3 weeks. It has hit my credit report with a significant decrease in my credit score. This mistake /issue is impacting me personally and I can not get them to cooperate so I can file the police report. They have not been helpful at all. I need this resolved and need this off of my credit. It is not my debt and they are very rude to me. I feel like I can not get anywhere with them. 
I am a responsible consumer and I pay my debt, as can be noted by my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NJ

Complaint narrative:
I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, 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 2020-08-01 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: NJ

Complaint narrative:
I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: NJ

Complaint narrative:
I was notified that my mortgage service company XXXX was being transferred to XXXX XXXX. back around XX/XX/19. My mortgage payments were on an autopay from my bank every month. My XXXX and XXXX payments were drafted from my bank. I thought everything was ok, went I spoke with XXXX, they stated XXXX was no longer in business. I attempted to make a payment to XXXX, they stated all my account info was not transferred and to call back. I stated I was concerned with my credit report, and they told me that they will not report to the credit agencies during the transition time. I went to purchase a vacation home, I and ( 2 ) 30 day and 60 day late was reported. These need to be removed, the account is current. It took me over a month to recover the {$5500.00} given to XXXX. 

Thank you in advance for your help, 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 2020-08-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
I experienced a loss of income due to job loss XX/XX/XXXX. Consequently I paid my Morgage payments late from XX/XX/XXXX to XX/XX/XXXX. 
The Morgage company has reported the payments as late and my credit score has decreased. 
Now I cant get access to additional credit tools to better my financial situation.

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 2020-08-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have tried to talk with representative of company can not get beyond sign-in request. Using correct info to sign, system recognizes have account but doesnt allow me to change password to create new access to account and system does recognize old information. This prohibits me from accessing my account. Can not get anyone on phone because of COVID-19 to address complaint. Equifax dropped credit score when only three things changed on report. One account had closing balance {$5.00} more than previous statement. Another account I owed {$10.00} more than previous statement. Another account reported debt reduced {$37.00}. My total debt decreased {$17.00} and my credit score dropped 12 points. It seems every 3-4 months Equifax drops my score 12-19 points with just an increase in debt of less than {$25.00}. Then It takes 6 months to recover from this drop of 12-19 points even when other accounts are decreasing by hundreds of dollars thereby keeping credit score in the poor or fair category the entire year restricting ability to ever get a credit score of good. Want to file complaint against Equifax for restricting ones credit report scores whereby it is never possible to get a score higher than 650 -660.  Absolutely unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: NE

Complaint narrative:
I received in the mail a debit card from U. S. Bank ReliaCard. I never applied for this and want to know how they got my information?

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 2020-08-01 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: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and Experian, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

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 2020-08-01 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: GA

Complaint narrative:
I have advised Experian on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX, my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX XXXX   account opened in XX/XX/XXXX, the XXXX XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX XXXX XXXX A account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX opened in XX/XX/XXXX, and the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX is not mine, this information is inaccurate and may be a result in identity theft. I have provided proof to Experian that this information is inaccurate. Experian has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from 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 2020-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I was tricked into this loan as the primary borrower just to make a sale & the car was stolen and repossessed in XXXX of 2017 with me making pmts I contacted customer service to file a claim and let them know but it was a towing company for Santander researching their repossession policy it clearly stated no pmt for 60days then the vehicle would be repossessed. They ignored my ID theft claim and police report issued to removed this from my credit due to falsifying a signature on the wrong line had me stuck in this loan with high interest rates. Please Remove from my credit. I have disputed this item on my credit numerous of times prior to the class action settlement it has become a financial burden of hinderence for me on getting other loans to better my credit score and history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Good morning, I applied for a HELOC loan with US Bank. When I applied for the loan, US bank asked me to send my credit cards debt by the time. I sent the information to them. My balance on XXXX   credit card was {$9000.00}. When they approved the loan they send me the check playable to chase. Since the loan approval took more than a month, I paid to chase credit card in that time the amount of {$1300.00}. When I went to the bank with the check I got from US Bank they didn't accept the check because the balance was lower ( {$7700.00} ) than the check amount ( {$9000.00} ). I called US Bank and they send me another check for the right amount of {$7700.00}. I paid off the balance to this credit card. 

The issue is I'm paying to US Bank the amount of {$9000.00} + interest ; but the real money I got from the bank was {$7700.00}. Meaning I'm paying {$1300.00} dollars I never received. For any reason US Bank put the original check amount on my loan. 

I started to call the Bank, I don't remember how many times and how many hours explaining the Reps about the issue but they never solved it. So I started to send emails with unsuccessfully results. I got all emails related to this issue, the copy of the check provided by XXXX, etc. 

Since there is no US Bank branch in XXXX, it is impossible to solve any issue by phone or email. 

I really appreciate your help. 

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 2020-08-01 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: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, XXXX and Transunuion are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

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 2020-08-01 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: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a XXXX XXXX XXXX account nor a XXXX account and the account is fraudulent. XXXX XXXX XXXX, XXXX and XXXX, Equifax and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in 48 hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am a victim of identity theft and fraud. I am not responsible for a suncoast credit union account nor a XXXX account and the account is fraudulent. Suncoast credit union, XXXX and XXXX, XXXX and XXXX are in violation of the FCRA and are trespassing upon my person. The account needs to be removed immediately. A police report has been filed. No man nor woman making claims of a debt owed has verified Under the penalty of perjury that I, XXXX XXXX XXXX ; man, owing a debt to any institution. I, XXXX XXXX XXXX am a man. If not removed in XXXX hours I will take legal action. Its been over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: GA

Complaint narrative:
I have advised Equifax on several occasions that I was never late on my XXXX XXXX account opened in XX/XX/XXXX. I have also advised that the XXXX XXXX account opened in XX/XX/XXXX, the XXXX account opened in XX/XX/XXXX, the XXXX XXXX XXXX account opened in XX/XX/XXXX, the Chapter XXXX Bankruptcy closing date of XX/XX/XXXX and the Chapter XXXX Bankruptcy filed XX/XX/XXXX is not mine this information is inaccurate and may be a result in identity theft. I have provided proof to Equifax that this information is inaccurate. Equifax has yet to prove their case on where they received this inaccurate information and refuse to remove the information from my credit file. Please help me get this matter resolved and have this inaccurate information removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-01 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: U.S. BANCORP
State: VA

Complaint narrative:
On XX/XX/XXXX, I applied for and received a credit card from U S Bank, called XXXX XXXX XXXX XXXX. The enticement that caused me to apply for the card was this : " Save an additional XXXX cents per gallon of fuel FOR ONE YEAR each time you redeem 100 fuel points ''. 
XXXX, via their customer reward card, gives 10 fuel points for every qualified {$100.00}. spent in their store. The points can be used to reduce the cost of gas at XXXX XXXX stations. 
on multiple occasions, I used more than 100 fuel points but did not receive the " additional '' earned reward points promised by US Bank Master Card. For example, on XX/XX/XXXX, I purchased XXXX gas and used 200 of my 266 fuel points. I received 25 additional points, making my discount {$.00}. On XX/XX/XXXX, I purchased XXXX gas and used 500 of my 516 fuel points, and received a discount of {$.00}. 
According to the promise of the card, I should have received ( in the first example ) a discount of {$.00} ( additional 50 points for 200 XXXX fuel points ). In the second example I should have received 500 additional fuel points in addition to my XXXX points, making my discount {$1.00}. 
As I read and understand their own written words, I am not receiving what I had expected upon applying for their mastercard.

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