vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
XXXX XXXX granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
Equifax is reporting a Collection account # XXXX. I have requested to have this account delete as there is no way to verify this account as the credit is not listed and it's been over 30 days since the requested was placed. 

This is incomplete file and erroneous information affect my credit profile. Also, I was victim of Equifax data breach and my information was exposed to the public. I'm not familiar with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: CO

Complaint narrative:
CFPB KEEPS ALLOWING THE CREDIT BUREAU TO RESPOND WITH IT'S NOT ME REQUESTING THESE INVESTIGATIONS YOUR AGENCY HAS FAILED TO VALIDATE THE DEBT Its peculiar your agency alleges you validated this debt, but have REFUSED to provide me with proof of what method you utilized, whom you spoke to and the dates, WHICH IS MY RIGHT AS A CONSUMER According to the above FDCPA Section FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) .. Your agency failed to provide relevant  documentation that shows clear evidence you Investigated my credit dispute PROPERLY. 
In compliance with this method of investigation request, please provide the following : The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Your agency removed the account then added it back to my credit files, which is a violation of FCRA. AND your agency is the ONLY credit bureau that has NOT removed this negative 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
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We noticed a charge that was not authorized on our account we immediately contacted our bank an asked they began their process to address the issue. We were told no claims against a charge that was only pending on our account can be made. We would need to wait unit it hard posted So after waiting a few days our account continued to have our normal recurring charges hit the bank. Which the bank used their own discretion to pay these items and charge us a {$36.00} overdraft fee. After waiting until the hard post, we made the claim on phone. Its been almost a week now and the merchant charges again, no stop payment was placed on the account and the merchant has yet to stop these charges. Please help me and son or both on XXXX this has been an extreme hardship our monthly payments will be deposited from the Social security administration soon and were afraid its going to just be offset by all these bank fees which are a direct resulted from a fraudulent charge that the bank refuses to address as it was reported immediately

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 2020-09-18 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: PA

Complaint narrative:
I have been a victim of identity fraud.

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 2020-09-18 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: FIFTH THIRD FINANCIAL CORPORATION
State: TN

Complaint narrative:
Fifth Third Bank claims they did not receive my XXXX payment on time and charged me a late payment fee with interest. I complained to them and they just added all those charged to my XXXX statement and added the XXXX dues to my XXXX statement which was received by me yesterday with a due payable date of XXXX XXXX. I called this morning and they shut me off when I asked to speak to a manager.

I called Fifth Third last week, talked to a manager who assured me he would fix the balance of my account and send me a correct amount to pay. He did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Despite repeated requests, Citibank refuses to return the {$150000.00} I have on deposit with them in a money market account. I decided to close my account when I first learned that the account was subject to withdrawal limitations that were not disclosed to me. I requested closure on XX/XX/XXXX and was told that the balance would be returned to me via XXXX within 3-5 business days. On XX/XX/XXXX, I spoke with XXXX that the closure had been requested on XX/XX/XXXX, but that the " back office '' had not yet approved it. She indicated she would send another request to the back office. On XX/XX/XXXX, I again contacted Citibank and after about an hour, I was finally connected to XXXX, a supervisor in the client relations department. He advised that the back office had not yet approved the closure, and he did not know when that would be done. He said he would make another request. When I asked about the reason for the delay, he replied " that is a very good question '' and that the delay was " definitely unreasonable. '' He declined my request to send me an email regarding our discussion. 
Citibank has no legal justification to refuse the immediate return of my funds. In my opinion, their failure is both unlawful and unethical.

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I signed up for A Bluebird Card through Amex Bank. Once I activated and recieved the card, I set up direct deposit and started funding my account. After I tried to make a purchase on XX/XX/2020 My payment was declined and I was told to contact customer service. I called customer service and was told that my account was permanently suspended. Now I am trying to recieve the rest of my balance and am recieving no assistance from Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: PA

Complaint narrative:
I have been a victim of identity fraud and my information has been compromised in a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: OH

Complaint narrative:
PREFERRED LEASE # XXXX payment history was corrected with XXXX and XXXX, but Experian is still displaying late payments, which is not true. Please correct payments history as this account was never late as the other XXXX and XXXX has made the correct changes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TX

Complaint narrative:
Barclays approved a fraudulent card to be opened in my name. Upon receiving this card, I immediately called and reported fraud. Barclays is continuing to fight me regarding this card, asking for payment, now adding late fees, and will not close and issue a letter of 'closed as fraud and zero balance owed ' like the other company. I have called SEVERAL times ( 20+ times, all in call history ). I have been sent to their Investigations Team 3 times ( supposedly ) with NO follow-up, proper investigation, or call as requested ( each time I'm told a manager would call to discuss within 24-48 hours and they do not ). I'm transferred from department to department. I have issued them the following : 1. Cover letter stating all the reasons for this card to be deemed fraud. 2. List of ways due-diligence was NOT done in investigating my application process, any of the times. 3. City Police - Report of Crime 4. Identity Theft Report - Federal Trade Commission Immediately after getting the card, I hired an Identity Theft Protection agency and my most recent call to Barclay, with my my rep, was on the phone with me for over 2 HOURS and they led us nowhere. They will not do the right thing here. I did not open this card, nor any other accounts they may have. And no one can seem to help when we call. 
XX/XX/20 I contacted a friend that is a police investigator and ask for advice. He said to contact the company that the purchases were make. I contacted XXXX. Apparently there were XXXX cards purchased and they verified that I never opened them nor collected the rewards from those ... it shows BARCLAY as the purchaser. 
This is FRAUD and I want justice. Please please please help!

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 2020-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I noticed a random {$68.00} charge on my Capital One months ago, Capital One claimed to have resolved it but got it rebilled. 

I contacted them again and they had me fill out a form which I submitted, only to have them rebill it again. 

I called and they removed the transaction and rebilled me AGAIN!!! 

If that wasn't bad enough they allowed an extra {$68.00} charge so now theres two!! 

What the XXXX is going on?!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Filed complaint # XXXX Shellpoint / New Rez Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date XXXX is still showing outstanding balance of {$88000.00} and late payments. Shellpoint was paid in full XXXX XXXX in which they denied. Shellpoint stated I still owe to date the money for Insurance XXXX and Taxes  XXXX that they paid on the same day the loan was paid off. Shellpoint has refused to show any documentation proving these payouts were even made. Shellpoint has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
Shellpoint has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing Shellpoints inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that Shellpoint remove all negatives and outstanding balances from my credit reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TN

Complaint narrative:
Filed complaint # XXXX XXXX / XXXX XXXX Mortgage continues to report inaccurate information while taking no liability for their actions only to blame me. To date Equifax is still showing outstanding balance of {$88000.00} and late payments. XXXX was paid in full XXXX XXXX in which they denied. XXXX stated I still owe to date the money for Insurance XXXX and Taxes XXXX that they paid on the same day the loan was paid off. XXXX has refused to show any documentation proving these payouts were even made. XXXX has now issued me a check for {$6700.00} ( see attached. ) while still stating that I owe them additional money. 
How is it that I owe them this money but they send me a check. 
XXXX has only now sent me a paid in full letter ( Received XXXX ) while trying to back date it as they did with the original payoff while claiming this was done before but still not reporting it to credit agencies. They stated to me that was my responsibility to report it. 
Once again this is showing XXXX inability to show accurate honest accounting practices and timely accurate reporting to all credit agencies. 

Requesting that XXXX remove all negatives and outstanding balances from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: OK

Complaint narrative:
hello all This may be kind of long, but i'm in need of help. I'm a 100 % XXXX vet and i'm on a set income. i'm also tax except. 1st time home buyer. i bought my house in XX/XX/XXXX and oklahoma state law says that you have to buy your house in XXXX to be except from that year of taxes. so i would have to pay property taxes for the first 6 months i was in my home. so there was XXXX that was put into my escrow. end of XX/XX/XXXX i got a letter from the county assessor for my property tax of XXXX it was about XXXX dollars. i called Mr. Cooper and they told me to scan in or email or fax that paper work from the county and they would take care of it. few weeks went by and i got a check from Mr. cooper stating that was the remainder of my escrow. a few months went by and i kept getting letters in the mail from Mr. Cooper to refinance. so i called them and they were gon na be able to give me half a point lower since i'm a vet and the VA wouldn't approve the loan unless my interest rate goes down. few days from closing, i found out that my property taxes weren't paid. Mr. Cooper told me that i would have to take care of that before we could close. i told them uhh no you were suppose to pay for that out of my escrow at the beginning of the year and i guess they didn't. so they said that they were going to pay the back property taxes. they did but now they are saying that i'm like XXXX negative in my escrow and that i owe them money. they have moved my mortgage payments up from XXXX a month to about XX/XX/XXXX. i told them that i wasn't going to pay that and i was only going to pay what i had signed for. so i kept making my payments and one month they didn't even apply my payment to the loan and now say i am one month behind. these people have screwed me over big time and i don't know what to do. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: PA

Complaint narrative:
I have been a victim of identity theft and also my personal identity has been compromised in a data breach with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
This claim regarding account # XXXX, in which this company claim I owed {$3600.00} and you filed suit against me on an alleged XXXX XXXX Account that was never authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: VA

Complaint narrative:
A debt validation letter was sent to IC SYSTEM on XX/XX/2020 with regard to a debt that appears on my credit report as : XXXX XXXX XXXX  XXXX : XXXX. IC System is a 3rd party debt collector, i received no goods or services from them, thus i have no contract with them to owe them anything since they bought this debt for pennies on the dollar and our trying to collect on a debt that they have no signed contract between the two of us. IC System has yet to respond to the debt validation letter that was sent to them certified mail on XX/XX/2020.

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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: TX

Complaint narrative:
I received a letter addressed as follows : XXXX XXXX [ my mortgage lender ] [ My name ] [ My address ] The fact that the address included the name of my mortgage lender -- along with the admonition to " open immediately '' -- made me think the letter was an important document from my lender. When I opened the letter, it was a refinance offer/advertisement, and it wasn't from my lender at all. It was from a company called Millennial Home Lending. But if I had not read the letter carefully ( or the fine print disclosures on the back ), I would have thought it was an offer from my own lender. This is a deceptive practice. Even if it's not harmful to a borrower ( which I think any such deception is harmful ), it is an unfair business practice.

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 2020-09-18 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: CT

Complaint narrative:
On XX/XX/2020, I made a XXXX reservation, it cost {$620.00} I cancelled an hour after, but XXXX did not give me my full refund so I disputed with Amex, Amex sent me two letter saying they issued me a credit then XX/XX/XXXX, they said they would rebill me the {$620.00} I need my money back because this is unprofessional, since XX/XX/XXXX I have been stressed out about this dispute, I cant let go of my hard earned money, its so unfair, apparently they said XXXX wont give me back half of my money because I canceled within 24hours, that is very absurd, I have been waiting since XX/XX/XXXX, now they want me to wait till XX/XX/XXXX, for what, I cant believe they would side a merchant against their customer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have asked XXXX to remove the Ally Bank from my credit report on several occasions. They have refused to remove anything from my credit report. There was a Federal Complaint where Ally Bank Overcharged Minority People on Car loans. I was one of these people. XXXX and XXXX have remove the creditor from my reports but XXXX has continued to remove. All the negative reports was more than seven years and I live in Georgia at six years to remove negative information. 

https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-doj-order-ally-to-pay-80-million-to-consumers-harmed-by-discriminatory-auto-loan-pricing/ Also, the account was charged off. Other collection agencies have tried to collect on this bill and it is not annotated on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: NJ

Complaint narrative:
This is a follow up from complaint XXXX. After my call with One Main Financial on XX/XX/2020, I received the following letter from One Main regarding 'an attempt to discuss the seriousness of your account delinquency ' and that the 'communication is an attempt to collect a debt from a debt collector '. After ( 1 ) calling my local One Main branch in XXXX XXXX NJ and ( 2 ) confirming my auto pay settings, I was able to double check that ALL my payments have been done in time. None of the payments have been done late and the account is not past due.

Company response to consumer: Closed with non-monetary relief