vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2019 a credit card was opened in my name, by someone other than me! 

The card was issued by XXXX/cbna ( Shop Your Way MasterCard/Citi Bank N. America ), which is a company I have NO knowledge of. 

The card has an {$8000.00} limit with a current " balance '' of {$23.00}. 
( I have NEVER received a card from this company, there for, I could never have used it! )

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 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I had a mortgage with DiTech Company in the last several years. Recently I sold my property and the closing already took place in the first week of XXXX 2019. Outstanding loans have been paid off. However, the mortgage company which is DiTech still took out from my checking account for the mortgage payment of {$1200.00} on XXXX XXXX, 2019 even though the loan has been paid off. I called the company at least 3-4 times since XXXX of 2019 to address this issue because I want my money back. They keep saying that they will mail me the check and until today XXXX XXXX, 2019 no check has been sent to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XX/XX/XXXX- XXXX XXXX XXXX/Capio I called them multiple times and they sent me one letter. Just recently for a supposed {$550.00} debt that was never paid back in XX/XX/XXXX. I have tried to contact them multiple times in order to resolve the issue and find out what the debt is for. They have given me multiple stories about multiple hospitals and procedures. But nothing verifiable. They have now put it on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 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: Rocket Mortgage, LLC
State: IN

Complaint narrative:
I reviewed three credit reports today. XXXX, XXXX   and XXXX. The XXXX report actually showed my Quicken Loans account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XXXX of 2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws XXXX, I inquired as to which bankruptcy court and he said Quicken Loans attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the Quicken Loans attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: KS

Complaint narrative:
I am having issues with Equifax I filed a dispute with them concerning some inaccuracies on my credit report. They responded they verified my disputes. 

However they havent provided me with any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the  original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you updated that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.

Ive reached out to these creditors and asked for proper verification. They were not able to provide me any verification. Therefore how is it that you verified these accounts belong to me?

Below are the accounts that still remained unverified. 




Confirmation # XXXX XXXX # XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX US Dept of Education # XXXX XXXX XXXX # XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NV

Complaint narrative:
I recently disputed a chapter XXXX bankruptcy filing that is on my credit report. The Public record was included in my FTC identity theft report. Transunion is stating that the bankruptcy is verified as correct. This could not be true. There are NO other tradelines on my file that are included in a bankruptcy. There are NO addresses associated with a chapter XXXX filing on my credit report. Lastly, XXXX Bankruptcy DO NOT verify to credit reporting agencies.

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 2019-09-04 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: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
on XX/XX/19 i spoke with XXXX XXXX at RS Clark, who agreed to take payment and to remove and delete from my credit. They instead filed new status of late payment instead of delete and remove. I want them to do what they agreed to do and remove and delete from my credit report immediately. account is under XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Multiple inaccurate information is being reported on all three of my credit reports from all three credit reporting companies. Example ; XXXXXXXX reports collection amount as {$450.00} and Transunion reports the same account as {$0.00}. I have filed several disputes asking for the information to be removed that is inaccurate. Also there has been no proof of a signed contract for these collections on my credit report. No explanation of how it came back verified. I need to see original documentation from these collection agencies with signed contracts from me or they need to be removed immediately. It is the LAW.

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/2019 I opened a Keybank checking account for a {$400.00} promotion. 

After opening the account I was to make a direct deposit of {$500.00} within 60 days in order to receive the {$400.00} sign on bonus. The qualifying direct deposit was made on XX/XX/2019. On XX/XX/XXXX I inquired through the bank 's chat portal when the bonus would be deposited and was told I would need to inquire by way of email and wait 24-72 hours for a response, which I found unacceptable for a simple question regarding an advertised promotion. 

Today on the phone their customer service agent informed me no bonus could be deposited for 150 days ( 60 days from account opening + a 90 day investigation to confirm I've fulfilled the terms of the promotion [ to reiterate : the terms of the promotion were to open a checking account and make a direct deposit which should be automated ] ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented

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 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo purposely charges your account in the order so they can charge you more overdraft fees!

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 2019-09-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. 

Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). 
Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge,  and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. 
" Rather fail with honor than succeed by fraud '' ... ..XXXX  Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. 


Respectfully Submitted, 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 2019-09-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: CA

Complaint narrative:
This complaint is actually to a 3rd party that advised that I would greatly benefit from their assistance to file for the Borrower Defense to Repayment ( BDTRO ) to potentially have my loan forgiven due to the University 's fraudulent actions to get students to join. The company I worked with is XXXX XXXX XXXX  ( XXXX ) and they charged me {$1200.00} to take my info and submit the BDTRO application to the Department of Education on my behalf. This process started in XX/XX/2018. The BDTRO application was eventually confirmed received by the Department of Education on XX/XX/18. I had followed up on a few occasions with XXXX but they never had any info on the status of my application. I called the Dept of Education directly at the BDTRO hotline where I was advised that I should contact the Consumer Financial Protection Bureau since anyone can submit a BDTRO application to the Department of Education for free and there is no need for a 3rd party to complete this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Received solicitation for a loan as " PreQualified Offer ''. Went to website to inquire and see what was involved as I know the difference between " prequalified and preapproved ''. The online process had 4 steps. Steps 1 through 3 made the claim " this will not impact your credit report ''. At the end of step 3 a message appeared naming my application " pre-approved ''. The 4th step included a notice that this step MAY impact your credit report. I would not have proceeded except for the " pre-approved '' status from earlier step. My information and documents provided matched my application but I was denied after being pre-approved. Company claims this is standard practice but in my experience Pre-Qualified really just means pulled from some list of criteria whereas preapproved means if your information as shared is true, you are approved. So, despite my best efforts to be cautious I have a credit ding owing to their practice which may or may not be legal but if you go through their online process you will see it is deceptive

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2019-09-04 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
On XX/XX/2019 I contacted Equifax XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/2019 I received updates from XXXX and XXXX in regards to the accounts showing that they had been removed from my file. I also received letters from each Creditor stating that the Fradulent Accounts would be removed. On XX/XX/2019 I received results from Equifax stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the accounts when XXXX and XXXX   stated that the accounts were REMOVED at the Creditors Request as Fraud. I have since tried to contact Equifax back in regards to the issues I'm having, but I have not been successful. Equifax is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the accounts were Fraudlently opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-04 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: LA

Complaint narrative:
Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Filed letters and complaints on accounts that are not proven verified as being own by my and no original contacts presented

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 2019-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My accounts with Capital One was settled in 2018 and company refused to update to the credit report and still showing as charged off and balances owes. Have contacted capital one, they said someone will call to discuss but no one has called. 

XXXX refuses to remove collections status off of my report after settled account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I reviewed three credit reports today. XXXX, Equifax and XXXX. The Equifax report actually showed my XXXX XXXX account closed and XXXX and XXXX do not have credit for months that have been paid. I filed a chapter XXXX bankruptcy in XX/XX/2018. My home was not included in the bankruptcy, and I have been paying the mortgage directly. It is even in my bankruptcy order that I will be paying them directly. They placed an unauthorized charge on my account for {$650.00} as an " advance on my behalf '', they are not crediting my account when payments are made and are not reporting my payments to the credit bureau to reflect on my credit report. When I called to find out why they were not reporting my payments, nor accounting for them on my statement they told me that the payments had to be reviewed by the bankruptcy court ( because it is protected by bankruptcy laws ), I inquired as to which bankruptcy court and he said XXXX XXXX attorney XXXX XXXX XXXX ( XXXX ). He also said once they review the payment then it is partially applied to my account. I asked why it wasn't showing on my credit report and he again stated because it is protected by bankruptcy laws. He went on to tell me when I pay the {$650.00} " advance on my behalf '' fee that the payments would then show up on my credit report. I'm not understanding how I'm protected from bankruptcy laws when it isn't helping my credit report? I attempted to call the XXXX XXXX attorney, but they will not speak to me about my account without my attorney on the line. They have also removed my access to view my statements online.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: National Asset Direct, Inc.
State: CT

Complaint narrative:
Today, XX/XX/XXXX, I received an alert from Experian that someone had made an inquiry on my credit report. I have not given consent to anyone to pull my credit report. Upon further research, I see that the report was pulled my XXXX XXXX XXXX at iSERVE Residential Lending. 

Unfortunately, he is my step son and I feel my privacy was violated. He used his position as a mortgage lender to inappropriately pull my report - probably on behalf of my ex-husband. 

I have left messages for iSERVE Residential Lending in XXXX, CT, but I have received no response. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief