vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX  XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: OH

Complaint narrative:
I had Identity theft happen through XXXX. I had To close out my accounts and open new accounts. In this process I mailed XXXX payment the XXXX XXXX XXXX and the XXXX XXXX  XXXX in the amounts of {$120.00} To XXXX XXXX  for my credit card payments due each month. They never notified me till XX/XX/XXXX that I had Any issues with the payments. I just Got that letter today XX/XX/XXXX. The customer service rep said their mail got lost in the mail to me and thats why, but wont accept that my payments a assumingly did the very same. They did not notify me of any changes within a 30 day window per regulations. And refuse to help getting these late payments off of my credit.

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 2021-09-30 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
I have previously been through two fraud investigations with Citicard and submitted a CFPB complaint in regards to a Citicard credit card, which the company responded they do not believe was fraudulently opened. 

However they have not responded to my claim that the $ 8000+ shopping spree in XXXX of XXXX was fraudulent spending on the card, so I am submitting this complaint to address that specifically. 

I have been living in XXXX since XXXX of XXXX and have not left the state since I moved here. I have already provided Citicard documentation to show this during the investigation they conducted into the credit card account. In XXXX of XXXX when the credit card was used in XXXX XXXX, I was in XXXX. The credit card was used fraudulently without my knowledge, and I only became aware of it after the fact when I received a text message about an unusual spending pattern from Citicard.

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 2021-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I originally received a phone call stating that my account has been put on hold because of possible fraud activity. The supposedly person on the the phone from USAA stated that a purchase was declined because of suspicious activity. The person on the phone stated that someone in XXXX Florida attempted to buy a 75 inch curved tv. They advised me that they would send a new card out within 3 business days. The following night i started receiving push notifications from my smart phone from the USAA app stating the information on my profile has been changed and updated without my doing or knowledge. I instantly called USAA informing them of what was happening. The USAA representative took notes and walked me through the process of updating my online login information. After my login credentials was updated. I noticed that my information was still being updated without my consent. I called USAA again explaining what was going on. The representative took notes and said that my account was under investigation by the fraud department. Later I noticed that XXXX XXXX dollars ( 000 ) was deposited into my account via mobile deposit, and transferred to a unknown account that was added to my account without my consent. USAA said that after the investigation of the deposit they did not find any fraudulent activity because it looks like I logged in from my account and made the deposit. As I explained over the last few days of events to USAA what was taking place nothing was done to prevent this on their end, USAA has not done anything to assure or protect me as a 8 year member with multiple accounts. Now my account is XXXX plus in the negative when I was just payed today. I am XXXX XXXX XXXX and USAA is my main bank account and bank that has my money. USAA told me today that I am responsible for paying the negative balance and that the fraud case was closed. Even after me explaining as these fraudulent activity was happening due to USAA lack of security and urgency. USAA HAS LET ME DOWN AS A CUSTOMER AND MEMBER. This very situation can effect my credit and ability to provide for my family.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 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: NC

Complaint narrative:
EQ, XXXX, XXXX, This is a serious matter. 

I am expecting you to act with my authorization to immediately remove and adjust the credit report in my name with entries that do not belong to me at once! 
Please see the attached complaint!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XXXX changed credit card companies from XXXX XXXX to XXXX XXXX XXXX. My XXXX  was used to pay a monthly payment of {$14.00}, which I stopped with the XX/XX/2021 billing date. Barclay stated that the XXXX could no longer be used starting on XX/XX/2021. Barclay shows a charge of {$14.00}, dated XX/XX/2021, which was not authorized or made by the merchant. Payments from this merchant have been transferred to XXXX XXXX XXXX. 
I have spent over 10 hours trying to reach Barclay Customer Service and reach a relationship manager. This has proved impossible. There seems no way of reaching them, and I need assistance to resolve this problem.

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 2021-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX  XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 

I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 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: COAST PROFESSIONAL, INC.
State: AZ

Complaint narrative:
To Whom it may concern, I have not received a response for over one year regarding my closed school complaint and loan discharge. This is my second request to have this fraudulent loan discharged. For your records, here is my request again : COAST INC XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Re : Closed School Loan Discharge Application and Request for Forbearance Dear Sir or Madam : I am formally applying for a closed school discharge of my student loans. With this letter, I have enclosed my completed closed school student loan discharge application and supporting documents. If any additional information is required, or if any information is missing, please get in touch with me immediately using my contact information below. Additionally, while my discharge application is pending, I request you put my federal loans into forbearance. In other words, I ask that the Department and any contractors or loan servicers it hires to collect on my loans cease all collection efforts while my discharge application is pending. 

Please confirm that you have received my application and that my loans will be placed in forbearance while my loan discharge application is pending. 

I appreciate your cooperation. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ

Complaint narrative:
I elected to end my COVID-19 forbearance and request a loan modification. I did all the work involved in the loan modification process including all paperwork, check-ins, and made all trial payments. My loan mod was approved and my account with to return to normal servicing by XX/XX/XXXX. 

To help mitigate the on-going hardship further, I applied and received a one-time only grant from the local XXXX non-profit agency. The amount of the check they gave me to send to PennyMac ( my loan servicer ) is not enough to pay the amount I was in arrears in full but the loan modification would solve that. These funds would help my ( new ) mortgage payment to be covered for the next 6 months while I rebound financially. I am earning less than half of what I was earning prior to COVID. 

Even though the funds are not from the HHF program and I am not in a program that makes my mortgage payment for me on a continual on-going basis, PennyMac halted my loan modification and coded my account to HHF. They are unresponsive to my many, many phone calls and emails trying to understand what is going on and why this one grant amount would negate the loan modification agreement. They are completely unresponsive and say that I can only speak to one individual for answers to question because my account with PennyMac is coded as " HHF ''. They will not give me any answers about my loan modification or the rules in using another mortgage assistance source. 

The loan modification process I started in XX/XX/XXXX was to conclude XX/XX/XXXX. Now, once they cash this 3rd party check, I will show that I am $ XXXX {$6000.00} behind on my mortgage and in a delinquent status when the APPROVED loan modification was to reabsorb the amount I was in arrears back into my loan. Why would a secondary source of hardship assistance be in conflict with a loan modification when the hardship isn't just about getting current with the loan- it is also about a reduction in incoming because of the pandemic which could put me right back in the situation of getting behind on payments? 

The pandemic has been an unprecedented upheaval in so many lives unlike anything we've seen in any of our generations save for those still with us who survived the Depression. To make recovering from the impacts of it so tedious, so out-of-reach, so lacking in common sense is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
- we entered in forbearance in XXXX of XXXX with Loan Care -we have remained in contact Monthly for the entire period of our forbearance and was told numerous times that a deferment was possible and our best option when coming out of forbearence. 
- we exited forbearance recently and was told that someone from the company would reach out to complete the deferemememt process. 
-instead, they called telling us that we better sign up for their 40 year loan modification or else they would start the foreclosure process on us. 
-we explained that this was never explained to us and that we were waiting for deferment paperwork, the lady told us that the maximum deferment approved was 18 months and that if we wanted to remain eligible we must submit a payment and back date it for XX/XX/2020. We provided payment and she said that the deferment was approved. 
-several weeks went by and we have heard nothing, I called in again yesterday and told that it was still under review but that I would need to make an additional payment and back date it for XX/XX/2020, which I did yesterday. I was told they sent an email and that it would all be settled today with my deferment. 
- I called today to follow up and after being transferred around for 2.5 hours a woman got on the phone and said Im never getting a deferment and that she was sorry that I was promised that numerous times before. She threatened to turn on 40 year modification paperwork or she would foreclose our home. 
-at this point I have made 2 full payments out of forbearance and trying my hardest to call daily and get this resolved. I want a deferment of payments as promised and planned and to remain my normal monthly payments without my credit being destroyed.

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 2021-10-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: NV

Complaint narrative:
, I feel I am a victim of predatory lending to through originally XXXX  XXXX  and now ancient. I attended XXXX XXXX. They violated state law and for profit schools where found guilty of predatory lending. Under the current law they can not garnish or put a lien on personal property or your paycheck. Not only was I protected through a divorce decree to repay with conditions which where violated. But also protected by predatory lending law. The department of education along with XXXX have refused to recognize the law or abide by it. This has left me in financial ruin for 10 years. I've lost out on 2 home purchases, higher rates for loans, mental health and medical bills pop paid by state or federal agencies. It has violated the human trafficking laws of 2000. 
I have been harassed by federal agencies because of local and family associates involved. My two children who I have legal custody of are concealed and it all boils down to financial abuse of my ex wife XXXX XXXX and XXXX XXXX refusal to dismiss the loans. 
I need help and backing in fighting this issue. I can't be the only one

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01 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: GA

Complaint narrative:
I am filing this compIaint because I have mailed letters to all 3 credit bureaus ( XXXX, XXXX and Transunion ) dated XX/XX/2021. The letter requested deletion of an incorrect name and correction of inconsistent payment dates and inconsistent last active dates ', As of today 's date,XXXX, I have not received a response regarding this 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 2021-10-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I pay for Experian credit monitoring. Experian dropped my score 16 pts from XX/XX/XXXX to XX/XX/XXXX. The reason listed on my Experian account says " The percentage of your accounts paid on time has decreased by 9 % since XX/XX/XXXX ''. My Experian credit report shows no late payments in that period and shows everything as paid on time. I have spent hours on phone with Experian and they just read off a script saying that many things can affect a credit score, which I know. They also confirmed that there are no late payments on any of my accounts in this period. They are not showing any lates and refusing to tell me what the late payment was.

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 2021-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Associated Bank helped me dispute multiple disputes including one for XXXX and during the internal investigation of associated bank corp and the other website vendor they determined that the transaction was valid based on an ip address, date of transaction and username and my email address. im still disputing this because is my current email address that im using but someone is watching my email emails that's how they know all my whereabouts and thats why im getting all the calls and the texts that are harassing and and spam fraud and identity theft people are hacking my and collaborating my XXXX XXXX settings and i can't control no matter how many times i change my password. someone has control from somewhere else. i can pull my XXXX  location history and dates from my email address and ip addresses to see if that matches the login the other website gave associated bank. the other red flag was they are claiming to associated that my email was linked to a username i created which i didn't and i dont recognize for one for two my whereabouts on the date that ip address access used my email address and that username to log that site was from location XXXX XXXX i have alibi that places me in XXXX  XXXX all day that where i live. I claim someone's setting me up and associated is coming after me because financially there holding me responsible for this XXXX transaction plus whatever else i disputed with it from all the other probly phone websites.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Hello, I received a letter from Wells Fargo about a change of address notification for a checking account and a platinum debit card. Checking account ending XXXX and debit card ending in XXXX. They also mentioned that they have updated the address and they are checking whether it was me who did that change. I called them immediately and told them I do not have any Wells Fargo card or ever had any banking relationship with Wells Fargo. It's a fraudulent account and I want them to freeze it and kindly investigate it. Upon requesting to freeze and give a letter in writing about the action fraud department employee started questioning me and asked me unrelated financial questions and my social security number. I told them that I am not comfortable giving you that information knowing that I am a victim of identity fraud and the next thing they are asking me is my social is a cruel thing. They told me they can not do anything in this regard and closed the case. I told them wells Fargo opened a fraudulent account using my name and address and now that person is trying to change address with USPS to divert my mails. I reached out to USPS and mentioned to them I am not changing any address nor have I made any request. I seek a resolution and in meantime, during my online search, I found that this is a modus operandi of wells Fargo to increase customers.

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 2021-10-01 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: MA

Complaint narrative:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX  XXXX XXXX ). 
( XXXX XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX XXXX ). 
( XXXX XXXX ). 


I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

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