vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
Im dealing with shellpoint mortgage and my loan is paid off and im having trouble getting my release papers and they owe me for a overpayment. Im trying to remodel my house and I can not take a loan out on my house because of shellpoint holding my information and I heard they have withheld a lot of customers release papers and not refunding them in the past and have several lawsuits. I been calling for a month now and I get no response. Someone really needs to do a investigation on this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Knight Adjustment Bureau XXXX This debt is past the statute of limitations and should no longer be reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AR

Complaint narrative:
For some reason Experian continues to dishonor my Identity Theft Report by allowing the continuance of fraudulent account reporting. I recently sent Experian a Police Report which included accounts XXXX XXXX XXXX XXXX XXXX which both are accounts I never opened, established, or received any goods or services from. I received a letter from Experian this week stating unless I provide new information they would not investigate my dispute. I find this reply to be discriminatory or unethical for a consumer reporting agency whom uses only automated verification procedures simply ignore or deny TWO LEGAL OFFICAL LAW ENFORCEMENT reports. Under the Fair Credit Reporting Act my rights have been violated and continue to be while this fraudulent accounts still remain on my credit file. XXXX and XXXX  both have removed the accounts in question so I don't understand why Experian won't adhere to FCRA.

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 2020-05-07 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: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: IL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the 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 2020-05-07 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I paid my balance on my Citibank Shop your way credit card in full on XX/XX/2020. The entire balance was paid ON time on the due date of XX/XX/2020.. I received my next statement from the credit card company with an interest charge of {$10.00}. I called customer service on XX/XX/2020 and they said that they would credit the account for the interest of {$10.00}. They did not credit the account as promised. At that point I cancelled the credit card. 

The card was cancelled, but the credit that was promised was not issued and interest has continued to be charged on the interest that they had promised that they would credit. 

I called on XX/XX/2020 to try to get it taken care of. They transferred me 5 times and I spoke to 6 people over 47 minutes. The call was disconnected in another transfer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL

Complaint narrative:
I recently, XX/XX/2020, missed a {$75.00} payment to tidewater finance company, they called and I told them I was temporary out of work because of the Covid-19 restrictions and that I applied for unemployment insurance I was told I would receive payment in 4 to 6 weeks and would pay a double payment on XX/XX/XXXX, of course they said there would be late fees and I informed them that no other agency was charging any late fees and that was unamerican. They have called me three times since them, on XXXX they called again and I spoke to the supervisor again, but she told me that by XXXX XXXX st it would be to late to make a payment it will go to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I would like to file a complaint regarding a dispute that I have initiated with American express. I have disputed this charge for " paid by other means '' I did provide American Express with all relevant documents to support my dispute. American Express did not take my dispute seriously, and kept on requesting the same documents over 5 times. 

Dispute Received XX/XX/2019 Resolution Date XX/XX/2019 Ref. No. XXXX Dispute Reason Paid directly to the establishment

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-07 00:00:00
Product: Credit card or prepaid card — Store credit 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Placed order XXXX with Nordstrom Rack for a total of {$110.00} for three pairs of shorts. Received one soft package with one pair of black shorts in it shipped from Nordstrom Rack location in XXXX, Florida. The packing slip claimed that three pairs of shorts should be enclosed ( picture attached ). On XX/XX/2020, attempted to contact Nordstrom Rack customer service, was number 308 in chat queue, when it became my turn, the chat was abruptly cancelled, called customer service, after on hold for 47 minutes, phone agent XXXX pretended not to hear me. Called Nordstrom card services on the same date, spoke to XXXX, reference number XXXX, disputed {$79.00}. I really have to do a lot of work to attempt to initiate/resolve such a minimal dispute that is no fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: AZ

Complaint narrative:
ftc violations remove all the attachment ftc violations The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies.

FTC Imposes {$5.00} Billion Penalty and Sweeping New Privacy Restrictions on XXXX FTC settlement imposes historic penalty, and significant requirements to boost accountability and transparency

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My auto loan was with Westlake Financial Services and I refinanced with XXXX XXXX XXXX XXXX in XX/XX/XXXX. Westlake has been paid off by XXXX XXXX XXXX for the payoff amount they communicated to the new bank on XX/XX/XXXX. Westlake Financial released the vehicle title to the new bank since it was paid off. One month later, around mid XXXX - they started contacting me for additional payments. In addition - they fraudulently added late fees for months that payment was made on time. The months they added late payments that are untrue are for XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and in XXXX for XXXX, XXXX, XXXX. In addition they back dated to add fraudulent NSF fees when payments went through for XXXX, XXXX of XXXX and 3 additional NSF fees of {$25.00} each - so 5 NSF fees total of {$25.00}. This company calls me at least 10-15 times everyday all day long from various phone numbers that look like my family from XXXX and other businesses in order to collect a debt that is not valid since my refinanced loan is no with XXXX XXXX XXXX XXXX and theyve already paid Westlake Financial the amount in full as well as have the title for the vehicle that Westlake released to XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ONEMAIN FINANCE CORPORATION
State: TN

Complaint narrative:
On XX/XX/2020, I called One Main Financial to obtain the payoff amount for my loan. I spoke to a female representative at the company who provided the payoff amount {$2200.00}. I made the payment online the next day XX/XX/2020, less the {$0.00}. The email attached provides a confirmation number XXXX for the payoff. On XX/XX/2020, One Main Financial deducted my regular automatic payment of {$190.00}. On XX/XX/XXXX, called the company and spoke to XXXX. He told me that the female representative gave me the wrong payoff amount on XX/XX/XXXX. He gave me the payoff balance through XX/XX/XXXX, which is {$2400.00} and refused to refund the automatic payment because I didnt pay the XXXX cents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
I have repeatedly complained to the company since they bought my loan XX/XX/2019. My chapter XXXX which did not include my mortgage discharged XX/XX/2019 and they will not report my zero missed or late payments each month. They added a prepayment penalty which I do not have. I am short on escrow because they refuse to do an analysis and recalculate the higher yearly property taxes. Thats a short list of issues since they bought my loan last Fall.

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 2020-05-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian.com several weeks ago. I pay {$24.00} for a service with them. I notated when bring up my account online that my synchrony bank XXXX XXXX was missing all of its information including the history, the credit limit and balance. 

After 7 hours on the phone and being sent back and forth, they are claiming they see the information at their end, however the paper report that they sent me shows the same as I see on my account. 

They are totally rude, and do nothing other than keep blaming other departments. I need the account that I have online for this specific account to show the correct information. 

The tools available to me showing my score and usage is completely wrong due to this situation. 

Any help would be appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-07 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:
I went to file my taxes and I was told by my consultant that my identity has been stolen because someone had already filed under my social security. I then pulled my credit report to see what all has been opened under my name. There was an outrageous amount of unknown, suspicious items I am familiar with. Please remove these items from my 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 2020-05-07 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: CA

Complaint narrative:
I tried to refinance my car today XX/XX/2020 and I was not eligible to do so because when they checked my credit report there were several accounts in negative standing. I was not aware of any of these accounts because none of them belong to me ; I didn't open any of these accounts and I did not allow anyone to open these accounts in my name using my personal information. I have o idea who is responsible for opening these accounts on my behalf without my permission but I have already filed a police report with the information I currently have. I did not gain anything from these accounts such as money, goods, services or any other type of benefit and I never made any payments towards these accounts. I do not have any type of contract or agreement with any of these companies and I never gave them permission to access my credit information. I have filed this report to the best of my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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: TN

Complaint narrative:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2020-05-07 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 identity has been compromised. I found out because credit karma sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Sir/Madam : Hi! 
I want to complain about my quick pay service with the chase. On XX/XX/2018, I made three quick pay payments to my friend ( {$150.00}, {$25.00}, {$1000.00} ). The quick pay normally is instant but these are on hold for some time. I got a call from chase to verify the payments and I thought it was done. Three days later, my friend told me that he did not get the payment at all and he already changed his linked account on the quick pay phone number. I have to send him a check with other checking accounts. I called chase and they told me the fund will be reversed in a few days. But I never get a refund. I have to escalate to several levels and even to their executive service for that. Till now, they refused to refund the money back and told me there is nothing they can do about it. 
I have to escalate this to you and hopefully, this could be resolved. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07 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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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 2020-05-07 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 identity has been compromised. I found out because XXXX XXXX  sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my 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