vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXX XXXX called me to collect a debt the person on the phone told me they was a lawyer and they gave a description of the things I owned and how much money I made I am retired they threatened to take me to court and take all my possession I tried to negotiate a resolution they told me i have to pay the full amount i believe this company in a law firm

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 2020-07-14 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Reported XX/XX/XXXX to comenity MasterCard Mailed requested documents twice in XXXX & XXXX Used the secure message center to submit all documents multiple times - sent XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : XX/XX/XXXX : Have received 6 letters stating that I needed to submit more information and each time I have asked what specifically. 
Have called multiple times and even spoken to supervisors XXXX on XXXX & XXXX XXXX XX/XX/XXXX, both of them emailed the dispute department on my behalf because they both agreed that I sent everything that was requested. All messages can be viewed by comenity as they are in the SMC app. All notes can be seen on my account as every time I call they notate. I have spent over 10 hours on the phone with this company and they still havent even said that they have what they need to investigate! They have closed the claim twice stating that I havent submitted proper paperwork but no one can tell me what I have to submit. This process is the most ridiculous circus I have ever been involved with. I will continue to fight and report them to anyone that I can.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I worked with XXXX and XXXX with USAA to get a 30 year fixed rate mortgage. They were able to walk me through the process, but at the end charged me an additional {$760.00} to waive escrow even though I had conversations with both XXXX and XXXX both via email and phone that I did not wish to waive escrow upon finding that there was a fee to waive escrow. I was assured it would be taken care of by closing day, but it never was. On closing day they said they could " try '' to help me, but in doing so they would further delay the process, which could cost me the loan and I'd have to restart the entire process. They claim that I never told them anything about this, but I have a call recording from XX/XX/XXXX and an email from XX/XX/XXXX showing that I clearly did not wish to waive these fees. 

I was also pushed into further debt by the recommendations from XXXX telling me that there was no way they could possibly close by XX/XX/XXXX and that I should secure another month in my rental home in Georgia as to not become homeless. I was then told by XXXX on a later date that I must move into the house on XX/XX/XXXX to secure the loan, putting me out by {$1300.00}. 

My third complaint, which I was advised by my Agent is that they never told me how much closing costs were going to be. I called and left many voicemails and sent numerous emails and they kept stating they would let me know closer to time, but even as I sat at the closing table, I had not received any final word from USAA to tell me how much I needed for a downpayment, and I'm told that they must legally do so within 3 days of closing. While this didn't necessarily hurt me, there are many people that this would have caused significant hardships to - especially if the final price was higher than the estimated price. 

Additional documentation and phones calls can be produced as needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: V and H Portfolio
State: GA

Complaint narrative:
Vance & Huffman is reporting a debt on my credit that is not mine. I recently checked my credit and noticed this debt. When I called to confirm if this debt, they were not able to give me any information that confirms this is my debt. Someone had called to make a payment and I advised them to send me an id and they didn't want to send me anything. This is not my debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-14 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In reviewing my credit I have two accounts that are not mine. 

XXXX XXXX XXXX opened XX/XX/XXXX balance XXXX Barclay Bank Delaware opened XX/XX/XXXX balance XXXX Find out to whom these belong to because they are not mine. I called both banks and they do not have my social security or my name on these files.

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 2020-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NV

Complaint narrative:
I made international money transfers to XXXX XXXX. on XXXX for $ XXXX fees.Then i call WU to get my refund but the staff made a cancellllation instead.I call several times but WU gave different excuses and gave me 3 different case numbers.I had the reciept sfter their system confirm the transactions is paid for using my debit card ending in XXXX.The money was not there.attach is the reciept wu email me as proof that it was paid for on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
My mortgage was transferred to Select Portfolio Servicing ( SPS ) earlier this year. At the time we were behind a month, maybe two, but we had continued to make payments to keep it from falling further behind. During that time payments were applied within 24 hours. 

During the pandemic we asked per federal guidelines and from XXXX XXXX ( who guarantees our mortgage ) for a forbearance as our business had slowed drastically. SPS then sent us a letter stating we would have a balloon payment, in contradictions with guidance from the CARES Act and XXXX XXXX. 

During the forbearance period we continued to make payments to catch up our loan. In XX/XX/2020 we made two mortgage payments at one time, this is when problems began as it took numerous contacts to have SPS apply the payments. On XX/XX/XXXX we made another payment which has yet to be applied to our account. We have also made an additional payment on our account as of XX/XX/2020 which also still has not been applied. If all payments were applied we would be current in our mortgage at this point, we have made contact with SPS a minimum of 6 times via phone call or email to get this resolved. We continue to get excuses. 

SPS is also beginning to add inspection fees and other fees to our mortgage which is in violation of our mortgage agreement that was transferred to them this year. They can not change our legally signed loan document without our consent which they did not get. 

SPS also settled with the US Attorney 's office of Maryland and the FTC for this similar behavior but continues to abuse the people with the same tactics.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received a letter, dated XX/XX/XXXX, from Citibank indicating that I had exceeded the transaction limit for the statement cycle and which references a Federal regulation. On XX/XX/XXXX I called and left a voicemail with the Executive Response Unit, but never received a callback. On XX/XX/XXXX, I sent an email requesting for someone to contact me regarding the letter, but have not yet gotten a response. The reason I wanted to speak with someone was to inquire whether it is Citibank 's internal policy to restrict transactions on my savings account since I am aware that the 6 transfer limit on savings accounts was lifted as of XX/XX/XXXX and is no longer a Federal requirement.

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 2020-07-14 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:
Hello sir or madam I read your response on XX/XX/2020 YOUR LETTER STATED YOU DENIED MY DISPUTE BECAUSE YOU DIDNT FEEL LIKE IT WAS FROM ME You are accusing me of not sending the dispute myself. Well I'm sorry there was a clear misunderstanding. However it was me. AT NO POINT IN THE 30 DAYS DID YOU WRITE ME STATING A DENIAL OF THE FACT YOU FELT IT WASN'T ME. THAT WOULD'VE SAVED ME DAYS. SO TO PROVE IT WAS ME : Ive attached a copy of the purchase receipt. Ive attached a copy of the certified mailing I have the proof of email to reliable self storage for prints to send to you. ( not attached ) A bank statement Not only did I send a copy of the original letter and copy of the certified mail receipt AND I contained a copy of my ID. However No where in any verbiage on your web site EITHER MAIL, UPLOADED or in talking to your representatives does it say I need to send you a bill to verify a dispute so please honor the last dispute. It took me a long time to compose everything have it print then stand in line and send it to you. And for you to just throw it away or pretend it was viewed it not ok and very unprofessional. AT ANY POINT in the 30 days you could have written me a letter requesting additional information to verify anything or request additional information. I dont feel like its ok to deny disputes because you feel like someone used a credit repair agency. Even though you have no proof. Its clear that you want to deny me my legal right of a fair 30 day investigation that was never honored but YES if this is not resolved and the changes are not made I will be looking in to around a credit service repair agency that has an attorney for OTHER LEGAL OPTIONS. Before it goes to far I will ask once more. I was the one that submitted the dispute you already had 30 days now Please make the changes.

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 2020-07-14 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: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXXL 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 XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-14 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: NC

Complaint narrative:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company 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 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

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 2020-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS they have ruined my credit score.. never missed a payment to them FOR 5 years, decreased my limit by XXXX for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Care, LLC
State: NC

Complaint narrative:
Sometime 2 years ago a company called Student Loan Care contacted me and said that they would help me get my loans forgiven because I work for a non profit. They said that they would consolidate my loans and then get me into the forgiveness program as well as the payment by income program. They did consolidate my loans and did get me in the Payment program however they never got me in the forgiveness program. They also charged me XXXX a month for over 2 years now to be in this program that is actually offered for free from the government. I have filed Fraud charges with my bank to get stop payment started on them.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
A collection was place on my XXXX and XXXX credit profile some months back. 
The collection company agreed to settle the dept, which they got from another collection company, so i made two payments to them between the ( 15 and 30 ) of XX/XX/2020 ; I pay them all the amount we agreed on. The collection company was supposed to send me a letter that the settlement was pay and completed but up to now i have not receive any letter. I call them twice and the last time I call them, they was transferring me to different agents with in their company and saying that they don't have my record on file. This company is not allow to collect from New York residence and have no right to place any collection on my credit profile, they need to removed it right away.

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 2020-07-14 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report

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 2020-07-14 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I use to live stating that I owed debt. I did a little investigating and I was told that someone has given my name and social security number to claim m. Aoney every month they have the wrong person I decided to pull my credit report and it showed the exact same thying and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please removethese fraudulent items from my credit report

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 2020-07-14 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was marketed to and told I was eligible for a bonus of XXXX points after I spent {$2000.00}. I was told this on multiple occasions. Once I spent the required amount and paid my bills on time and in full, I was told I was not eligible for the offer. The reasons given ( too many accounts open, etc ) do not apply to me. I deserve this welcome bonus

Company response to consumer: Closed with explanation