vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-25 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Firstmark student loan servicer has taken over for XXXX XXXX as the servicer for my private student loans. Under XXXX XXXX I had one monthly payment I paid early, more than the amount due and never had an issue. 

Since Firstmark has taken over in XX/XX/2021 they have misapplied my payment EVERY month requiring MULTIPLE PHONE CALLS AND EMAILS to have a payment paid in full and usually 2 weeks early. They show part of my account as past due and apply my payment only to partial sections of the total loan balance. 

This month XXXX the LOST my payment. When I called with my bank information giving proof of dates and proof that the transfer had been received by firstmark their representative told me that First mark " lost multiple XXXX  XXXX  customer payments this month '' the payments were misapplied. 

I have looked to refinance this loan however the only other available lenders all uses this awful servicer as well

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was divorced in XXXX, and I worked with USAA to settle my account ( sometime within the year following ) for an arbitrated amount. The account was settled and closed. I find out now ( in XXXX ) that in XXXX, USAA reported that my account ( and I'm assuming me personally ) was involved in some sort of " fraudulent account transactions ''! I have no idea what this could possibly be about, but when I call USAA 's legal department, they want me to get a lawyer .... to prove my identity from 3 years ago. I live on $ XXXX, through XXXX and a small alimony payment. I can't afford to hire an attorney to dispute this, and I'm being " run over '' by a cooperation, that doesn't care that this is helping to ruin my credit. I couldn't open a new checking account a week ago, because this " alert '' has been coded so high on my report. ( And, THATS how I even found out it was there ) This needs to be investigated properly, and removed immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: ProCollect, Inc.
State: FL

Complaint narrative:
XXXX XXXX I mailed a certified dispute letter to ProCollect , Inc and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/ I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 300 complaints on XXXX they also have over 700 complaints with the CFPB

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 2021-08-25 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2021-08-25 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: CA

Complaint narrative:
I the consumer XXXX XXXX, have reached out to Transunion on multiple occasions detailing fraudulent information on my account in relation to identity theft. They have stated that they are not governed by the FDCPA and when I brought up FCRA they also denied that they would remove anything relating to identity theft from my report. This is after I have submitted 4 FTC reports, called and detailed to them on several occasions that these items were fraudulent, the last date being XX/XX/XXXX, as well as XX/XX/XXXX. I have let them know that the following accounts & inquiries were related to Identity theft XXXX XXXX XXXX/DEPT OF ED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-08-25 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
COMENITY BANK/XXXX XXXX DATE OPENED XX/XX/2020 BALANCE XXXX COMPANY HAS DONE NOTHING TO RESOLVE THE ISSUE. 
IS FRAUDULENTLY REPORTING ON MY XXXX AND XXXX REPORT. 
I AM A VICTIM OF IDENTITY THEFT THE FOLLOWING ACCOUNT IS NOT A RESULT OF ANYTHING I HAVE PERSONALLY OBTAINED. PLEASE BLOCK/DELETE FROM MY CREDIT REPORT IMMEDIATLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: HOPE BANCORP, INC.
State: CA

Complaint narrative:
1 ) recently found out that on XX/XX/2015, my divorced, ex husband borrowed money from XXXX XXXX  ( currently BBCN ) using the house I am living, not yet sold after divorce 2 ) I never knew, agreed, signed the loan document 3 ) I never knew, met, signed for deed or any other document or related people including my ex husband and bank employees and notary public 4 ) my signature on the document is forged and the bank employee actively helped XXXX XXXX 's forgery by accepting signature page without seeing me 5 ) I want to have this investigate and removed from the loan which I am not responsible Please feel free to contact me for any questions. 
Thank you for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
I own a home that Shellpoint Morgatge services. On XXXX of 2021 I got a call from my neighbor telling me that there was a person trespassing on my property, at the time I was away from my property in XXXX and it would take me at least 2 hours to get back to my home. My neighbor called me and there was two people replacing my locks on the front door and installing a lockbox on my home. These people went inside my home and placed stickers on all my windows, I asked them on speaker home to please leave and not enter my property and they assured me they had been sent from Shellpoint mortgage to secure the property because it was vacant and I was delinquent on my monthly payment. I explained my home was not vacant, the A/C was on there is water and the lights are on, in addition I was not delinquent on my payment. I called shellpoint mortgage and they explained this had been a mistake that they would send XXXX their 3rd party contractor to put my lock back and to remove the lock box. It has now been a month and I have not accessed my home, they have not put my locks back, they have not removed the lock box. Every time I call they tell me We are waiting on the Third party. I have been out of my home for the last month and all over a mistake that Shellpoint made, they have done nothing to resolve this, how is it possible that a mortgage company can block entrance to a family 's home? how is it possible that I have been locked out of my home for a month now with no way in, they send a third party to trespass into my property and remove my lock, that is stealing something I own, on my property. I am making a monthly payment on my house that I can not enter due to Shellpoint mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
1 ) XX/XX/2021, my friend wrote a check from her XXXX XXXX account to my Capital One bank account to lend me money for my apartment purchasing down-payment 2 ) Capital One bank ( Capital One 360 ) deposited the check at XX/XX/2021, but they didn't release money to me. I called customer service line many times, but no clear explanations. 

3 ) At XX/XX/2021, Capital One bank took this amount money out of my account without notice me, and then force to close this account by bank without my agreement at XX/XX/XXXX. 

4 ) I followed up many phone calls by through customer service line, none one on the service desk could answer my question " where is the money? '' 5 ) the last phone at XX/XX/2021, one of Capital One customer service person ( gave his name as XXXX ) told me that this amount money have been Hold Harmless by Capital one bank. But he didn't give me the solution on how to solve this holding

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: NATIONWIDE ACCEPTANCE LLC
State: IL

Complaint narrative:
MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE ( FCRA ) DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! Nationwide CAC LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

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 2021-08-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: NC

Complaint narrative:
I called Upgrade to remove the automatic draft from my personal checking account for the loan/credit card that I have with them. I told them that they were not authorized to transact ACH payments from my XXXX XXXX XXXX XXXX account. I called the customer service line and spoke with a representative who stated that he would remove the automatic draft from my account. I spoke with the individual on XX/XX/XXXX. On XX/XX/XXXX, an ACH draft was taken out of my account in the amount of XXXX. I called the customer service line and spoke with a representative asking them to refund the amount, as I had not authorized them to draft any further payments from that account when I called in on XX/XX/XXXX. I explained that I was closing my checking account to open an account with another institution, and that I needed to have the funds replaced. The representative admitted that it was their fault that the XXXX was drafted out of the account, as I had called in enough time that the draft should not have gone through. The representative stated that he would issue a refund to my XXXX XXXX XXXX XXXX Account. I have not received a credit as of today, XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-25 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: GA

Complaint narrative:
XXXX IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: GA

Complaint narrative:
EXPERIAN IS ALLOWING AN INACCURATE ACCOUNT TO REPORT ON MY CREDIT FILE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25 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: GA

Complaint narrative:
On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with Transunion and XXXX  30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number 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 2021-08-25 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: GA

Complaint narrative:
On the XXXX of XX/XX/2021 i filed a compliant about the incorrect information reporting on my credit report also complaint id # XXXX. I also disputed the problem with XXXX and Experian 30 days ago and have not received any results yet. by FCRA is a violation the item must be removed. XXXX XXXX XXXX collection account number 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 non-monetary relief
Consumer complaint received 2021-08-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I XXXX XXXX contacted Equifax through mail numerous times throughout the year to validate a debt ( charge off ) from XXXX XXXX pursuant to 15 USC 1692g of the FDCPA. To be honest its kind of hard to even tell the exact date due to the fact I have various inconsistencies of the date opened throughout all 3 credit reporting agencies attached below which is a violation of the FCRA & defamation of character. There are also inconsistencies of the " Date Last Active '' highlighted below. 

Equifax has also been made aware that they have violated Federal law pursuant 15 U.S.C. 1681a ( 3 ) -Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
-Pay attention to the key word assumed, I, the natural person, consumer and original credit, XXXX XXXX XXXX never gave Equifax the right, written consent, to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy. 

Fact, I XXXX XXXX am aware and has proof that Equifax has violated Federal law pursuant 15 U.S.C. 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, the natural person, consumer and original credit, XXXX XXXX, never gave Equifax the right to report such negative information. No consent is identity theft. This is Defamation of Character & Equifax must have respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR

Complaint narrative:
I open on XX/XX/2021 a RMA. This mortgage assistance was approved by the relationship XXXX XXXX XXXX. I want the approval of XXXX XXXX XXXX. I have him recorded on all the calls confirming that the RMA FOR {$100000.00} was approved. They dont respond for the offer and their service is poor. I need the assistance honored.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
Open account on my credit report for which I am not responsible. 

Sent letter to American Honda Finance dispute center to have this resolved but have not heard back nor has my account been updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25 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: CA

Complaint narrative:
On XX/XX/2021 I used my Thank You Reward points to partially pay for four nights at the XXXX XXXX XXXX XXXX in XXXX XXXX, New Mexico. The remaining balance due ( {$180.00} ) was charged to my Citibank Credit account on XX/XX/2021. We checked out early ( one night ) and the General Manager at the Hotel ( XXXX XXXX - XXXX ) agreed to refund us for one night ( {$100.00} ). Mr. XXXX stated that he could not credit my CitiBank Credit Card since I used rewards for the booking. Instead, he applied the {$100.00} credit to the CitiBank Reward Master Credit Card XXXX on XX/XX/2021. I contacted CitiBank on XX/XX/2021 and asked them how/when my credit card would be credited for the refund. They stated that they needed to contact the hotel directly to receive confirmation of the credit. They called me back on XX/XX/2021 and stated that they received confirmation of the credit by the XXXX  XXXX XXXX and that I would see the credit on my credit card in up to 3-billing cycles. I called Citibank on XX/XX/2021 to confirm that they were still planning on crediting my credit card since I didn't see any credit on my XXXX statement. The rep at Citibank stated that the credit would be applied on my XXXX billing statement. I received my XXXX billing statement today ( XX/XX/2021 ) and there is still no credit. I called Citibank again today and was placed on hold for XXXX minutes then I was disconnected. I called back, was placed on hold for XXXX hour and XXXX minutes and was disconnected. I finally got hold of somebody at Citibank and they stated that they needed to contact the hotel and receive confirmation that they applied the credit. I told Citibank that this was already done on XX/XX/2021 which they replied " they need to contact the hotel to receive confirmation that they applied the credit. '' Another representative at Citibank stated that it would be quicker to file a Billing Dispute for this matter. She then stated that it couldn't be done since more than 60 days elapsed from the time of the incident. I explained to her that I contacted Citibank the same day of the dispute ( XX/XX/2021 ) and that the 60 days ( system limitation ) should not apply. Her response was that there was nothing she could do and that I need to write a letter to the Billing Dispute Department. After 2 1/2 months of dealing with this issue, I have no confidence that CitiBank will ever provide me with a credit unless they are compelled by somebody of authority at the bank to provide me with my deserved credit. The lack of accountability, the lies and the fact that they would let me sit on hold for extended periods of time tells me that they have no desire to do the right thing and credit my account.

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