vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclays is asserting a XXXX XXXX XXXXXXXX ( the " Card '' ) was opened by me, and I am required to pay the outstanding charges. The Card was opened fraudulently ( i.e., not by me ) and the items purchased using the Card were not sent to my home. This point was verified with the business where the purchases were made via the internet ( i.e., Banana RepublicXXXX XXXX via their Research Department ) and was conveyed by me and Banana Republic to a Barclays representative via a conference call. The Card was opened XXXX and Barclays emailed me on XXXX re what it believed was fraudulent activity on the account. I called Barclays that same day to confirm the Card was fraudulent, and the purchases were fraudulent as well. I have been discussing this matter with Barclays for approximately eight ( 8 ) weeks. Barclays conducted their investigation and concluded that the account is mine and I am responsible for the charges. This is despite the facts as stated above. I would note that more than one Barclays representative asserted that the purchases made were indeed delivered to my home, whereas it has been confirmed with XXXX XXXX that the purchases were not delivered to my home but were instead sent to multiple unrelated addresses. I strongly believe that Barclays did not conduct adequate due diligence and I believe this is a bad-actor pattern by Barclays to strongarm/stonewall/impede consumers who have suffered this type of fraudulent activity from resolving these matters efficiently and accurately. I strongly and firmly believe Barclays lack of truthfulness, unwillingness to work with me, and throwing up roadblocks throughout this process is simply Barclays trying to wear-down consumers and recoup losses from consumers who have been victimized in order to mitigate Barclays losses .

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 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: TX

Complaint narrative:
Hello, I have tried to get in touch with my lender to postpone the foreclosure or do something to postpone the foreclosure. I have figured a short sale is the best solution for my house. Please I have already completed the short sale packet that I received from them and have my property listed with a realtor. I already have a few offers on the house. My home value is around $ XXXX and I believe I owe above that. My realtor is determining values depending on the offers we are receiving.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: CO

Complaint narrative:
On XX/XX/XXXX I spoke to XXXX banks and they informed me of information being reported by Experian AND XXXX that there was another social security number reporting from them. Ive been involved in identity theft for a while and Experian and XXXX have both reported other social security numbers as well as addresses that were inaccurate. 

There are two accounts that were requested to be removed due to the nature of identity fraud and consumer rights violations in collections concerning the accounts. These two accounts have been reporting negative for over 3 years and XXXX failed to produce paperwork regarding the return agreement for the furniture. 

XXXX XXXX XXXX XXXX : account number XXXX The merchant is involved in police report sent to Experian on XX/XX/XXXX that an employee stole the merchandise for own benefit and it was never returned. It was considered fraudulent. XXXX has removed from credit report. 

XXXX XXXX : ACCOUNT XXXX was removed from credit reports and agencies after finding Credit central violated FCRA laws and guidelines and attempted to collect debt violently. ONLY ACCOUNT NUMBER BEGINNING IN XXXX IS TO BE DELETED

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 2023-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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 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 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 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AL

Complaint narrative:
This is the second time this has happened with this company. Their collection calls are threatening as well as when you make a payment, they do not apply to the late charges say you have to notify them that you are paying late fees as well, but in the meantime, they will allow charges to mount and then try to repossess for the late fees. I spoke with a representative on Friday ( XX/XX/2023 ) and let them know that I now get paid once a month the rep asked if I needed more time and I indicated that I did, he offered a payment extension and I also advised that I could make 2 payments on the 30th of the month. He said that would be ok and proceeded with the extension. The very next day on XX/XX/2023 another representative called, and I advised that I just spoken with a rep the day before and he stated because my arrangement wasn't an option that Westlake approved it was not acceptable, he proceeded to advise that my account was 16 days past due and up for review of repossession. He was very threatening, so I hung they have called nonstop since then. I have 16 more payments on this loan, please help me with this company.

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 2023-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
As of XXXX XXXX my payment has not posted on my account.I am with the HAF program Home Owners Assistance Fund thru the Federal Government.

I checked with my local HAF department in the state of Florida and payment sent out XXXX XXXXI would like for them to find my payment amount and post this before the end of XXXXXXXX XXXX..If not posted by then I am subject to a 30 day late notice on my credit report. This is a federal government program so a 30 day late report to the credit reports should not take place.It seems every month I have to send a report so they can track this payment and get it posted on time.I value my credit report and if they can just be more proactive and get this payment that they know comes every month and get it posted on time by the end of the month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
I went into XXXX XXXX XX/XX/XXXX. My forbearance ended XX/XX/XXXX however due to a lapse with extending the forebearance in XXXX XX/XX/XXXX i was put in foreclosure status. I applied for a modification XX/XX/XXXX and was approved for a stand alone partial claim XX/XX/XXXX. However, I appealed it in an attempt to get a modification in addition to the stand alone claim. Since appealing i have had to completely start the process over again and submit paperwork already submitted and there has been little to no communication with anyone. i keep getting alerts that there has been an update to my SECOND application for assistance but when i log on there is nothing. The mortgage company keeps calling me with an automated message telling me to call them asap so when i turn around and call them back noone has a clue why i needed to call. I can not access my account or any information about my loan they have locked me out. Yet they keep sending me emails to my mortgage account communicating with me ( but locked me out ). They wont let me pay anything and can not obtain tax documents needed to do taxes. They also sent me a refund check for overage in my escrow last year that i did not receive until XX/XX/XXXX and then placed a stop on the payment but noone can tell me if it was credited back to my account. I call the attorney and cant get ahold of him. I am beyond stressed bc this process is so unorganized and impersonal. We seem to be getting nowhere and just backing up. This is a huge deal and life altering bc its my home and im asking that this please get resolved. Allow me to get this processed and done and allow me access to MY information regarding my loan so i may file my tax returns for the past XXXX years. PLEASE COMMUNICATE WITH ME. Calling me telling me to call you back is not communicating. This has been going on way too long.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I received an offer from Citi Bank promising a bonus if I took the following " simple '' steps : Open a new account between XX/XX/XXXX and XX/XX/XXXX - XXXX opened my account XX/XX/XXXX. 
Fund your account within XXXX  days of opening your account- I received a deposit receipt from Citi showing my account was funded with {$76000.00} on XXXXThis amount was stated to get a {$1000.00} bonus. 
Maintain your balance for XXXX consecutive days. 
It is now XX/XX/XXXX and I still have not been credited with my bonus. My {$76000.00} is still in their bank. 
I called the Citi phone number on XX/XX/XXXX and after going through many telephone trees was finally able to speak to XXXX who after countless questions and checking my account agreed that I had met all requirements but that she would not be able to credit my account at that time since the information had to be sent to " investigations '' and that should take XXXX  days. My investigation number was XXXX. 
On XX/XX/XXXX I called again having not been credited with the promised {$1000.00}. I spoke to XXXX who said it would be some time before I received the credit even though more than XXXX  days had passed. I asked for a supervisor and after waiting a long time on hold spoke to XXXX who told me there was nobody in the entire Citi system that I could talk to who could credit my account. He stated that many people had taken advantage of the offer and their was a backlog to issue credits which could be as much as XXXX  months. I asked to talk to the " back office '' that he referred to as the entity issuing the credits. He refused. I asked to speak with the legal department. He refused. And then to add insult to injury he hung up on me. 
This is very IMPORTANT. Part of the offer in fine print states that " your checking account must remain open and in good standing from the time it's opened until you receive your bonus.Your bonus will be paid to your checking account within XXXX  days after you successfully complete all required activities. '' To me this is a breach of contract and fraudulent behavior on behalf of Citi.

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 2023-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
CITI XXXX XXXX XXXX CARD ( CITI BANK ) On XX/XX/XXXX I called CITI Bank for a {$120.00} XXXX XXXX Rewards Voucher In was supposed to receive. The female representative assured me not to worry that they had mailed it out in XXXX of XXXX and sense I did not receive it they said they would re issue me a new one and it could take 14 days to arrive. Total time spent on phone was 14minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 1-2 billing cycles. Total time spent chatting via the app 35 minutes. 

On XX/XX/XXXX I messaged someone named XXXX via the CITI customer service app and was assured again that I would receive my {$120.00} XXXX XXXX XXXX but in 5-7 days and to rest assured. Total time spent chatting via the app 30 minutes. 

On XX/XX/XXXX I called CITI Bank and spoke to someone named XXXX. She informed me I was not receiving my {$120.00} XXXX XXXX XXXX and there was nothing she could do except share my feedback about the poor customer service. Total time spent on phone was 1 hour and 3 minutes. No compensation, no formal apology, nothing was offered.

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 2023-01-17 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: Nelnet, Inc.
State: GA

Complaint narrative:
I went to XXXX XXXX and XXXX XXXX XXXXXXXX and they promise job placement and I never got or job

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17 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: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company 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 2023-01-17 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Dear Experian & XXXX ; Not only this public record is not verifiable, but it continues to report multiple inaccuracies, and incomplete information and in violation of my consumer rights. I noticed that XXXX removed it because of being unverifiable, incomplete, and with multiple inaccuracies, but Experian and XXXX are still reporting it and claiming that it was verified. I already called the courthouse, and the clerk directed me to their website to read the guideline which said that they do not report to any credit reporting agencies. How then did you verify it.? These are some violations and inaccuracies that I was able to point out to XXXX; such as ; wrong courthouse name, wrong dock or reference numbers ; wrong filed date, etc, much much more. 

AGAIN, The United States Bankruptcy courts DO NOT report any activity to credit bureaus. Federal law protects the privacy of most personally identifiable information reported. However, the credit bureau actively searches public records for any judgments and tax liens through third-party research. 
A Bankruptcy is public information, Again, the U.S. Bankruptcy Court DO NOT report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Your agency has found information on bankruptcies through third-party research. I also, must add that your recent investigation doesn't provide a data furnisher name, it only states that it was certified to your company that the information is accurate, my question is how and from whom? 
Please validate this information and provide me with copies of any and all documentation associated with these accounts bearing my signature. I formally request that this information is immediately deleted from the credit file you maintain under my social security number. Please note that I am closely monitoring my credit file and you have exactly 30 days to complete this investigation as per the Fair Credit Reporting Act 623 ( a ) ( 3 ) and I will be keeping very careful records of all actions taken regarding my file. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your Agency. I will be seeking {$5000.00} in damages for, but not limited to 1. Defamation ; 2. Negligent Enhancement of Identity Fraud ; 3. Violation of the Fair Credit Reporting Act

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 2023-01-17 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: TX

Complaint narrative:
Please see documents Attached

Company response to consumer: Closed with explanation