vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have talked to XXXX, Transunion, and XXXX and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.

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 2020-06-25 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: LA

Complaint narrative:
I have talked to Equifax, XXXX, and XXXX  and have submitted all the proper documentation to show that I was a victim of identity theft and nothing has been fixed or removed from my credit nor have they responded. This is really impacting my credit score and personal life. I am a hard worker and trying to purchase a new home for me and my family. The interest rates are down now due to COVID 19 and I would really like to qualify but can't until this is resolved. I appreciate your assistance in this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: NC

Complaint narrative:
Ive been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I called CarMax at approximately XXXX to make my XX/XX/XXXX payment. 

The office is in Georgia so they closed at XXXX XXXX  California time. 

The CarMax phone system just told me to call during normal business hours. 

I called that day because I was told by their representative to call and pay by phone. 

Their system gave the same recording that they were closed and terminated the call. 

My younger sister passed away from XXXX the month before, in XXXX XXXX. 

I then made the payment while on vacation in XXXX XXXX early by the next morning. 

Remove the 30 day late from XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
Ive just paid for a copy of my credit reports, and reviewed my credit file as is being reported with XXXX, XXXX, and XXXX  credit services, and noticed there are several inaccurate accounts and/or items on my report. This means that the below listed accounts were not opened by me, and that I did not profit from these accounts having been opened. As per section 609, I am entitled to see source of the information, which is the original contract that contains my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Io, Inc.
State: PA

Complaint narrative:
I asked for validation of this debt. the company told me to call another entity to receive the the information I sought. I wanted a copy of the original contract with my wet ink signature. XXXX XXXX and XXXX stated they couldn't provide these documents. I want a investigation done immediately. if i can not receive physical validation of the claim i want this deleted off my report. the date of the claim is XX/XX/19 the amount is {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have had freezes on my credit since 2012 since I am a victim of identity theft. I acquired personal pins from XXXX and Equifax and set up a XXXX  account to be able to manage my credit going forward. Since I am trying to apply for a mortgage, I have to temporarily lift my credit freeze with all 3 agencies. I had no problem with XXXX  and XXXX, but my experience with Equifax has been horrendous. I started by trying to log in to my account but, despite using the right username and password, was told I had to call. Upon calling and correctly answering all of their automated questions, I was told I had to speak to an agent. Upon speaking to an agent, I was told I had to mail or fax a copy of my drivers license and social security card. While I am INCREDIBLY uncomfortable faxing a copy of my social security card, it was clear I had no choice and so I faxed it in. I have been calling for the last 2 days for confirmation that it was received and keep being told I need to wait 3-5 business days. It is ABSURD that I need to wait 3-5 business days simply for confirmation that it was received. My social security card is just floating out there somewhere and I can not even be told that it was received. And what if it wasn't received? I will need to wait 3-5 business days, try to fax it in all over again, and wait another 3-5 business days. Additionally, I do not have a fax machine ( because who does these days?! ) and so I had to go to a XXXX and spend {$6.00} to fax in my documents. If I have to resubmit, that will be another {$6.00}. I should not have to spend any money to get access to my own information. So now I need to wait, and in this time I can not receive pre-approval for my mortgage and am unable to place offers on apartments that I want. I've already missed out on 2, how many more will I miss out while I wait for Equifax to do their job? During all this, Equifax is telling me that I can not use the pin that I have because they no longer use those ... which is the first I'm ever hearing of this! I was never even notified about that. It is truly incredible that I can have this little control over my own credit and receive zero information from their so-called customer service agents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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.

Complaint narrative:
In XXXX or XXXX of this year I attempted to pay my Citibank Costco Visa account via their website. I scheduled the {$400.00} payment online for my next pay date which would have been for the XXXX or the XXXX of the following month. I went about my life and thought nothing else of it even though most of the time I paid them by phone. The following month I realized that my bill was never paid. After contacting them, they said that my bank denied the payment. I contacted XXXX XXXX XXXXXXXX to see what happened. They said that they never received a request to pay to bill. I assume that the Citibank website failed since my bill had definitely been set up and they acknowledged that by saying XXXX didn't pay it. I contacted Citibank once again to try to fix the situation. I did not want to be responsible for late fees and interest since it was their mistake. They would not work with me. I said fine, I will not pay you until you take care of the situation. This has continued all year with my credit score dropping monthly as late days and fees spiral. I check once a month to see if they are ready to negotiate the problem, but they never do. I have been with Citibank many years and have had great credit scores until this. I thought surely with the Covid epidemic and many people not being able to pay, they would be willing to straighten this out. It hasn't happened. They call me every day twice a day about this but are not willing to do anything. Last time I spoke with them they said that they needed a payment to even talk about it. Again I refused their strong arm tactics. I am willing to pay my bill. I am not willing to pay the late fees and the interest accrued because of this. I have two other Citibank cards without any problems since I didn't use their website to pay the bills. My ex has had problems with them, too. He ordered something online that he never received and they charged him anyway. Even after sending them the tracking information showing them that the product never left XXXX, he was still responsible for paying. Knowing my situation with them, he paid it, but these people are ripping off citizens left and right and are not paying for any of the consequences. They are unfair, especially considering the amount of money they received from the bailout at taxpayers ' expense.

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 2020-06-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I had a Mortgage with XXXX XXXX. for a property that was sold and approved by XXXX as a short sale in XX/XX/XXXX. This property had a successful closing and the XXXX XXXX  was paid and satisfied. 
Now @ XX/XX/XXXX the paid and satisfied loan was transferred to Shellpoint Mortgage from XXXX as an open unpaid Mortgage Loan. 
I have contacted Shellpoint Mortgage on a daily basis via their customer service phone number and also their loan servicing e-mail. I have been on hold hours at a time with representatives that have not been experienced in any loan assistance. 
I have provided supporting documents of the closing of the loan to XXXX as directed by the representatives. 
I have not received a response and this matter urgent matter continues to be unresolved. 
This is negatively impacting my credit, housing lease abilities and/or ability to request any financial loan or credit. Including my credit decreased on credit cards unfairly. 

Please see the below e-mail also sent from the attorney who completed the closing of the property : My office represented Ms. XXXX XXXX in the short sale of the above property, which CLOSED successfully with XXXX, the prior servicer, back in XX/XX/XXXX. MsXXXX XXXX has not owned this property, nor been responsible for this mortgage debt since our closing date of XX/XX/XXXX. 

I have attached not only the Satisfaction of Said mortgage, received from XXXX in XXXX, but also all closing documents and proof of wire sent to XXXX after closing. 

Ms. XXXX is copied on this email with her real estate agent. I am seeking written confirmation be sent to myself, or Ms. XXXX directly, confirming this loan has been satisfied and she owes your company no money for said mortgage. 

Please respond as soon as possible. 

Thank you XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX, NJ XXXX Office : XXXX Cell : XXXX Fax : 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 2020-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX   XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations

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 2020-06-25 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: LA

Complaint narrative:
XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX XXXX  Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful iconSubmitted XXXX XXXX XXXX Other reason successful iconSubmitted XXXX XXXX XXXX Unauthorized charges successful icon filed ftc violations

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 2020-06-25 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Well unfortunately they have a third party contacting me telling there filing next I will be arresst again this loan is so old so I had no idea what is going on this was way back XXXX, I had given them a check from my account that was active again I havent lived in Texas since XXXX its now XXXX, now they telling me I have to pay right away. The Loan Company Is Check & Go, I Havent Heard From Them Since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Viking Client Services
State: NY

Complaint narrative:
On XX/XX/2020, I got a voicemail from one XXXX XXXX who claim to work for Viking client services LLC and he said I owe a creditor ( XXXX cooperation ) a sum of {$290.00}. I have not had any dealings with this people before. Even though I am a XXXX XXXX member, I never had any rental with XXXX without payment or any issue. Ive been renting with XXXX for a long time and never had any issue, so this people from Viking service just started calling me with all sort of threat and demanding that I pay them {$290.00} and if I refuse, they would get a judgment against me and all sort of rubbish. 
For the sake of this communication, my XXXX member ID is XXXX I know that XXXX   went belly-up few weeks ago, but is that a good reason to start charging people fraudulently? Asking them to pay for a rental or other fees that they never used? 
Even if there was any issue, shouldnt XXXX suppose to reach out to a valued member who gives them lots of rental business year after year? I see why the XXXX  company is crumbling down, when you dont value your members and people that gives you business, bankruptcies is not far away. 
Pls help me stop this dubious and fraudulent people off my back. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Compass Recovery Group, LLC
State: PA

Complaint narrative:
the Compass Recovery Group keep calling me in reference a debt i owe. i explained that at this time i am suffering an hardship and do intend to pay but right i can not. they threatened to take my home, garnish my pay check and called place of employment. i continuous is receiving phone calls from different individuals. they wanted to go in my checking account and take out money. i was sent an unofficial looking document after a phone call of trying to collect money from me. I am being harassed by the company and wants it to cease. 

i suffer from medical issues and trying to keep my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: TX

Complaint narrative:
Better.com promises " If we cant beat a competitors price, well give you {$1000.00}. '' I gave them a competitors offer and they beat it. A couple days later, I gave them a lower offer. Better said they couldn't beat that offer and wished me luck. After I closed on my mortgage with a competitor I asked the rep from Better how to claim the {$1000.00}. They asked for the mortgage note and to resend the CD to prove that I closed on the same terms as were in the offer they couldn't beat ( I did ). A few days later they said I didn't qualify for the guaranty because they had beat one price for me, just not the final price. The terms of the guarantee do not make any qualifications like this. 
Better seems to rely on this term from the T & Cs : " Each borrower may only take advantage of this offer once per loan application. '' However, the " offer '' here isn't, " we'll beat any competitor 's rate, '' the offer is " If we cant beat a competitors price, well give you {$1000.00}. '' The only time I attempted to take advantage of this offer was when they failed to beat the price and I asked for the {$1000.00}. That only happened once.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I recieved a threating voicemail around XX/XX/XXXX and when they called back XX/XX/XXXX or XX/XX/XXXX I managed to answer the call the claimed they were calling from Ace Cash Express and have orders to find and detain me unless I proceed to arrange payment on a loan I took out In XXXX. They said they can stop allegations towards me if I pay the about of XXXX $ or They can take me to court and they would ask for XXXX plus and I got so scared i would get arrested and lose my job so I made the first initial payment and made 5 other payments, in total I payed them XXXX . Yesterday they called me harassing me again because my card didnt go throught because its overdrafted since I lost my job I dont have way to pay for that. They threatened to located me at my job and find me at my address and i called them back and they would not pick up. I called my local government office to see if there is any claim against me and they had no records of anything online, I also called ace and they didnt have my loan come up since it was from a while back or the representative was rude and lazy and didnt want to look the information up. Either ace hired someone to collect for them or a scammer scammed me for XXXX . They wouldnt give me an official address for their office, which makes it a scam to me, their name on my bank statements is XXXX XXXX. I have since blocked my card and reported them to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: Metro Area Collection Service, Inc.
State: OR

Complaint narrative:
An account was opened to XX/XX/XXXX for XXXX. XXXX XXXX XXXX XXXX The account is stating that it is closed ( which means paid in full in XX/XX/XXXX ) The remarks on my credit report state paid collection. Unfortunately it is still being shown by XXXX XXXX ( which i'm guessing is the collection company hired to retrieve a debt ). I tried to Contact XXXX. XXXX XXXX XXXX XXXX to ask when my first date of delinquency was, and they have closed permanently. I would like this to be removed form my from my credit report, but because they have closed permanently I can get in touch with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25 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: TX

Complaint narrative:
XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX   XXXX XXXX XXXX XXXXDispute US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts

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 2020-06-25 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: TX

Complaint narrative:
XXXX/XXXX/XXXXDispute XXXX/XXXX  XXXXDispute XXXX  XXXX  XXXX/XXXXDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute U.S. DEPARTMENT OF EDUCATIONDispute XXXX XXXX XXXX XXXX XXXX US DEPT OF ED/XXXXDispute US DEPT OF ED/XXXXDispute XXXX XXXX XXXX filed ftc on all accounts

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