vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-28 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: AZ

Complaint narrative:
I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to 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 2020-08-28 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: AZ

Complaint narrative:
I am the victim of an identity theft where a credit account for {$4000.00} was opened using my information. Part of the false info used indicated I lived in the State of Indiana. I have never lived in Indiana, and I have significant proof of my residency. I filed a police report for identity theft and notified the creditor of their false account using my stolen identity. I also notified all three credit bureaus and provided sufficient proof that the account in question was fraudulent. XXXX has ignored the evidence and is still assessing ownership of this fraudulent account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
This complaint is a follow up complaint to my previous complaint that I had filed against Citibank. Yesterday On Thursday XX/XX/2020I received a letter in the mail from Citibank which states their final results into there 90 day resolution to track down and recover my XXXX dollars plus that was stolen directly from my Citibank account they provide a paper which shows their is no authorization for the transactions and amount stole at the bottom of the paper it states if you agree to these charges and total please sign here there is no signature because I did not authorize those charges. It doesn't even make sense for Citibank to provide me with what they call " evidence '' and it proves my point that there was no authorization! That's why the company does not have my signature or approval on any of their paperwork that states the amount they stole from me. ( Attached to this complaint is the 2 pages Citibank sent to me via mail ) Citibank needs to return my money that they allowed to be stolen from me. EVEN WITH THE PROOF THAT XXXX XXXX XXXX  PROVIDE CITIBANK WHICH SHOWS THAT I DID NOT AUTHORIZED ANY OF THE CHARGES CITIBANK STILL REFUSES TO RETURN MY FUNDS!!!

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 2020-08-28 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: CA

Complaint narrative:
On XX/XX/2020, I mailed a factual dispute letter to Equifax highlighting its inaccuracies and incompleteness of reporting in regards to my credit file. Enclosed with that letter was a correspondence letter from XXXX XXXX XXXX, XXXX with highlights that confirmed the incomplete reporting and the inaccuracies in my file. 
Equifax responded, XX/XX/2020. This was the correspondence letter that prompted my request for the description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding the results of the dispute. 
Along with the request for description of how the reinvestigation was conducted and how Equifax determined verification of accuracy and completeness regarding dispute, I also requested Equifax to provide copies of any documents bearing my signature, showing a legal binding obligation, also, the name, address, and telephone number of each person contacted regarding this dispute. To date, I have not received a reply from Equifax or any acknowledgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a follow-up on my complaint id XXXX filed two days ago. I received a notice today from AmEx dated XX/XX/XXXX containing the documentation from the merchant which was omitted from a letter dated XX/XX/XXXX referred to in my earlier complaint. That documentation states that the article was delivered by XXXX and gives a tracking number, XXXX. When you enter that number it states that a package weighing one pound was delivered. What was ordered were two child 's bicycles so it is clearly fraudulent. Actually no such shipments occurred. 
If one searches " XXXX XXXX  '' on XXXX a XXXX video " XXXX -Scam or legit '' shows the merchant 's website along with the items sold there including the child bike for {$99.00}. There are numerous other results in that search also stating that XXXX  is a scam. 
In addition when I try to trace the transaction on XXXX using the transaction id supplied by XXXX, it displays " Woops, there is no such transaction ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I received a letter from Equifax informing me that they received information from XXXX XXXX XXXX XXXX that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that XXXX XXXX XXXX XXXX and Equifax remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
I received a letter from XXXX  informing me that they received information from Lexis Nexis Consumer Center that there is a Bankruptcy under case ID XXXX in my name. I check with the Bankruptcy Courts in XXXX Florida and was informed that there is no Bankruptcy being reported under my social security number. 

I'm requesting that Lexis Nexis Consumer Center and XXXX  remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
Today XX/XX/XXXX, XXXX XXXX from ShellPoint mortgage servicing called me and told me she wanted to help me but I had to tell her how because my complaint it is all over and i told her it is a response to all the fees and extra charges they say I owned them She told me in current up today then I explained to her that when I got my loan modification With a lawyer help and the court too. I got 2 loans. The first one was for the new charges escrow and lawyers fees and few other charges and the other one was supposedly for what I owed in the house. she told me she did not know it and she is going to look into my loan modification contract and she will be back to me. And my new complain is about it they have my mortgage loan for less than a year why they keep Harassing me when they don't even know anything about my loan. they came and took over change my 2 loans into one they keep charging me for a late fee I was not supposed to have until I finished to pay one that was the government help I had at the time corrupted XXXX  XXXX XXXX never charged me for any late fee or extra charges but they sold my account to the other corrupted company XXXX XXXX and shellpoint mortgage to change my loan terms. first they say I was into a bankruptcy and that was a lie they claimed I owed {$5000.00} or more and now they are saying the extra money I've been sending them it is for late fee they keep making claims that they invent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
XXXX XXXX, just to verify your claims in your response dated XX/XX/2020 regulatory case # XXXX XXXX. Why do you waste the paper by sending a copy of Transfer of Service Notice? You like to pad your responses with useless, senseless documents i never asked for so of the 24 pages you sent only one page has responses to the questions, 12 pages were wasted on the Notice, 2 pages were XXXX was Escrow Act History, useless, 6 Bayview loan statements again useless, and one XXXX XXXX Notice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: CO

Complaint narrative:
On XXXX the XXXX I receive and email from 'Discover Card telling me that I have no more credit card with them! I have always pay on time! And have not miss and payment! 

I call on XXXX the XXXX and talk to Manager XXXX XXXX and she didn't care about if I was good customer with them! I feel I was treated very badly! To come and just take my card from me! Is so wrong!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas)
State: AZ

Complaint narrative:
I reached out as I am refinancing and saw there was one bad collections on my account from XXXX for cable I didn't have an account of. They posted it was part of the disaster of covid. It was false. I went to XXXX and they issued the form showing it was closed as there was no debt owed. I submitted it to the 3rd party collections for them to remove it. Instead the changed it to paid. I never paid it. I have repeatedly asked them to remove it. I went back to XXXX to get a updated statement showing their credit back to the account as the account they spoke of was paid by an HOA not me. Please see the attachment of the validity of this statement. I am frustrated, it's been two months and three weeks of my time trying to resolve this. The bureaus told me to reach out to you as they have tried to dispute it. The company who refuses to follow the laws of the fair credit act is Berlin Wheeler INC. I am now, asking for damages.

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 2020-08-28 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: WA

Complaint narrative:
Problem with Transunion and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Professional Credit I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

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 2020-08-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2020 i filed disputes with all 3 credit bureaus. I have yet to received a reply from any of them. Its has now been over 50 days and i feel that more then enough time to reply to my request.

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 2020-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
The synchrony bank amazon prime store card has been charging interest fees without disclosing the correct payment amount to avoid interest fees. I called today to ask where online or on the invoice to determine that amount. I have been paying on time according to the promotional balance information and have been charged interest fees for a year. During my call, the representative from synchrony confirmed there was no way online or looking at the invoice to determine how much should be paid to avoid interest fees. In my opinion this is done specifically for synchrony to mislead consumers. I asked for them to refund all the interest fees and they said they were only to remove for one month. I would like to see the synchrony to remove all interest fees, and to clearly provide what payment is necessary to avoid interest fees online and within their statements.

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 2020-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DC

Complaint narrative:
Shellpoint is stealing hundreds of dollars from me every month for " lender-placed '' insurance. I have been battling this company for years. I provide them evidence of insurance. They keep taking money from my accounts, regardless. 

They won't stop. They previously responded to a complaint by lying to the CFPB saying they were not taking funds for this lender-placed insurance. They are, and won't stop, even though I have insurance, have provided documented evidence for years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
After reviewing my recent credit report, I notice several addresses that I'm not familiar with. I have no recollection of residing at any of the addresses provided below. This is actually my third attempt at trying to remove these addresses from my credit report.XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX   XXXX, XXXX  , OH XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX , XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX, XXXX   , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  , OH XXXX-XXXX, XXXX XXXX XXXX, XXXX , OH 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 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
My card had a {$10000.00} limit on it and I got an email yesterday telling me that because I was not using all of my credit they were reducing my limit to {$5000.00}. I was being penalized for using my credit responsibly! Additionally, by reducing my limit they caused my credit rating to take a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I brought a car through captol one bank on XX/XX/20 the car dealership fraudulently filed false statements during the transaction along with vehicle being a lemon car. On XX/XX/20, the bank initiated a buyback from the dealership. Instead the dealership recended the whole agreement and returned all funds to the back. Note I have made over {$3700.00}, in payments to the bank toward carnotes paid and is due my refund. The bank initially stated I would be refund all fees made ; now they are mentioning finance charges for a car that the dealership paid all monies owed from the entire deal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I applied for a second Wells Fargo credit card. The application was denied because I did not have on-time payments with Wells Fargo, and the account was not " paid as agreed. '' This is not true. I was enrolled in XXXX related payment assistance, but did this to avoid interest accruing while I was unemployed. I still made payments every month to the account equal to or greater than my previous minimum payment. Additionally, according to XXXX  and XXXX, both of my Wells Fargo accounts are in the status " Paid_As_Agreed. ''

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 2020-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/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 2020-08-28 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: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Problem with XXXX and XXXX  Reporting information that is not validated Reporting information that has been paid in full as not paid in collections Fraudulent inquiries reported even after fraud report confirmation Reporting companies are Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent written letters, 3-5 over the past 6 months requesting response, sent copies of payment agreements, sent copies of money orders paid in full, sent copies of letters stating paid as agreed.

Company response to consumer: Closed with explanation