vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
In getting pre-qualified for a mortgage loan and being denied for derogatory history shown on my report. I did not recognize any of the derogatory accounts and I realized someone had stolen my identity. As soon as possible I contacted the various financial companies that had granted credit in my name and one of them was XXXX Acct No XXXX ; as I explained the account was not mine, they opened an investigation which lasted over two months and at the end, according to investigator XXXX XXXX since the account reflected a couple of payments were initially made to this account and the account was in my name, I was still responsible for it. I explained to her that I never had an account with XXXX XXXX XXXX and believed it had been also opened fraudulently. I went to a XXXX XXXX XXXX Branch and spoke to XXXX, an assistant management who confirmed the alleged account, number XXXX had been opened in XXXX, AZ and it was now closed. I told her I had never been to that city in AZ nor had opened an account with them, XXXX suggested I opened an investigation which I did and is still in progress. After I found out about the XXXX XXXX XXXX account, I contacted XXXX, the investigator at XXXX XXXX, after multiple tries, I spoke to her briefly after multiple attempts and told her of my findings and asked them to conduct a more in-depth investigation on this account which they refused. I still do not understand how a line of credit for an amount close to {$100000.00} was granted so easily in my name when there were multiple red flags that suggested fraud as the thief provided a different address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) considering XXXX have had my information in their records for over 14 years I have had my checking and savings account with them for all this time which could have been crossed referenced and questioned it. XXXX XXXX made a big mistake and now they expect me to undo their mistake and in the meantime my credit record has been ruined and my mental and physical health is been detrimentally affected. All I am asking is for a throughout investigation be conducted by XXXX XXXX who created this mess by not conduction their due diligence at the time of granting the credit and who now expects me to fix it. 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 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: WY

Complaint narrative:
I submitted a pay off offer on my loan with Shellpoint Mortgage Company 2 months or longer ago and have never gotten any kind of response. I can not move forward until I hear from them. When I call I get nothing but the run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At this time, I respectfully request a copy of my XX/XX/XXXX, Equifax and XXXX XXXX credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX, XXXX, FL XXXX. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank denied a credit car application based on the following : 1.Insufficient credit file for the last 2 years 2.Too many credit application inquiries within the last year. 
3.Credit Card Collections Past Due 4. These reasons dictated via outgoing automated voice transmission. 
5. Incorrect identification information on my report 6. XXXX os the report agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: NY

Complaint narrative:
Date : XX/XX/XXXX Amount : {$180.00} Date : XX/XX/XXXX Amount : {$2300.00} Date : XX/XX/XXXX Amount : {$38000.00} Action Taken : I addressed information that I am absolutely certain that does NOT belong to my identity. The following information is completely inconsistent with my actual identity and it needs to be corrected with haste. I want the results shown on the CFPB Portal. If Experian is confident with their investigation of this, they can also show results in the CFPB portal. Sending the results separate outside the CFPB portal is a stalling tactic and is contradicting. As you can see in your records I have reached out to you countless times, that being said, you can not say you do not know if this is me or a third party, you have the identification you need. You have 15 days to respond, not 30 days if you try to transfer this issue outside the CFPB Portal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was never late with that account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion has XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX and XXXX XXXX XXXX XXXX XXXX XXXX as wrong with different zip codes and wrong information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: LEXISNEXIS
State: IL

Complaint narrative:
Lexis nexus has yet to remove both bankruptcies of my consumer report and it has been well over the FCRA investigation period which should have been 30 days now is going on two months. each time I call Lexis nexus they tell me a special unit is handing my case and they'll give me a call back and I still have yet to receive a call from them. my first initial dispute was back in XX/XX/2020 and I uploaded documents showing from the court house stating that they did not give lexis nexus any information regarding any bankruptcy of mines. this is a violation of 15 USC 1692 ( a ) infringement of the right to a consumers right to privacy. this is a result of identity theft, I have never signed any contact with lexis nexus and told them to report any information pertaining to my life which has been harmful to my reputation now pursuant to 15 USC 1681 ( a ) ( 2 ). I demand these bankruptcy to be deleted immediately because this is in fact in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Transunion report File number XXXX dated XX/XX/2021 is wrong with2 address as XXXX XXXX XXXX XXXX XXXX XXXX as wrong Correct address ; XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MEGASTAR FINANCIAL CORP
State: CO

Complaint narrative:
I submitted a form to MegaStar in XXXX to have biweekly automatic drafts taken out of my account. In mid XXXX, I received a letter confirming the set-up, but my bank account number was typed wrong. They had changed a 2 to a 7. I called to get this fixed the same day. The people on the phone said I couldn't change it on the phone, that I needed to send in a new document. I immediately logged into the website and went to chat. I told the person in chat what was wrong. He had me upload the corrected form ( I typed it this time rather than handwritten ). He said he would send it to the payment people immediately and it would be fixed. The first time the draft was supposed to come out of my bank in XXXX, it didn't happen and I received a letter saying NSF had occurred, I chatted with the company again that day. I asked if they would remove the NSF, they said they couldn't, but had me upload another drafting form to fix the problem again. I was reassured the problem was fixed and the first draft would be on the XXXX. This has gone back and forth several time with me mailing copies of the chats and new draft forms to the company. I was hung up on at least once. Now, I received notice that the NSFs number 3 and I am no longer allowed to make any form of payment other than certified check or money order. I have never been late with my mortgage. It has always been paid ahead due to the need to be ahead prior to a draft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XX/XX/2020 I mistakenly allowed thieves, representing themselves as employees of XXXX, remote access to my computer to fix a problem with authorization to XXXX XXXX. They used this access to instead enter online banking and steal {$1000.00} from my Fifth Third Bank account. I discovered what was happening and shut down the screen sharing they were using and contacted Fifth Third immediately. I worked with XXXX XXXX XXXX XXXX ) at the XXXX IL branch to file a Dispute ( XXXX ) on the same day as the theft. The Disputes Resolution Department at Fifth Third ( XXXX XXXX XXXX, MD XXXX, XXXX, OH XXXX, XXXX ) has denied my Dispute 3 separate times as I continued to complain. They consider the theft a " Valid Transaction '' though I am bewildered by this conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: OH

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: EQUIFAX, INC.
State: OH

Complaint narrative:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2020. They have fail to comply within the 30 day statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/2021, received an email notification that my Chime debit card has been compromised from the following merchants, while my card was on my belonging : XXXX XXXX - {$62.00}, XXXX XXXX XXXX XXXX - {$190.00} XXXX - XXXX XXXX XXXX - XXXX Immediately when I noticed the transaction, my emotional judgment made me dispose of my debit card, then filed a dispute and requested a replacement card using the Chime bank app. The bank sent me an email to complete the dispute form on Mon XX/XX/XXXX, XXXX XXXX. Completed the form and emailed it to the support department on Mon, XX/XX/XXXX, XXXX XXXX. On Tue, XX/XX/XXXX, XXXX XXXX, I received an email stating " Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. '' I replied to the email stating I would like to appeal the case, then received an email stating " Thanks for reaching out to Chime Disputes Team! If you do not agree with the outcome of your dispute, you may submit a rebuttal, provided you have new information that was not provided to us previously. This new information can be a conversation with the merchant, copy of a receipt, a police report, your work schedule, etc. '' Immediately I went to my local police office to file a police report and sent the information to my bank on XX/XX/2021, XXXX XXXX. Still the same outcome. On Sat XX/XX/2021, I decided to go to all the merchants was the transaction was made to see if they can provide me a copy of the receipt for the fraudulent purchases, wasn't able to obtain it since they needed the card number which I didn't have anymore. I have called Chime if they had that information but they didn't. I did record the conversation I had with the merchant and emailed Chime to re-appeal the case on Tue, XX/XX/XXXX, XXXX XXXX, but on Fri, XX/XX/XXXX, XXXX XXXX, received an email with the same outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
On XX/XX/2021 I received a letter a of debt validation in the mail for Nationwide credit & Collection INC. Upon further research, the debtor could not provide original contract or signatures. The letter which was sent in the mail to me shows a " Statement '' of an account. It does not show an original contract with my original signature. This debt does NOT belong to me. Debtor 's creditor did not verify this collection with original SIGNATURE. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, Nationwide credit & Collection , INC, has violated my rights as a consumer and I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: CT

Complaint narrative:
In XX/XX/XXXX I decided to freeze my credit. I had no problem with XXXX XXXX and Experian but Equifax would not let me create an account. They said I could request a verification letter. I received the letter on XX/XX/XXXX. I used it to complete the enrollment as prompted and it said I was successful. When I tried logging in it said there was a problem and would not let me in. On XX/XX/XXXX I called customer service. He asked a number of verifying questions which I answered to prove it was me. After all that he told me I had to fax or email my social security card or driver 's license. I refused and he hung up on me. There is no way I want that information open to anyone. This sounds very suspicious to me. So now I have frozen credit on two bureaus with no issue but Equifax is trying to make me jump through hoops. 

I have attached the verification letter sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Incorrect and outdated information 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 2021-01-24 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: NY

Complaint narrative:
Incorrect and outdated information 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 2021-01-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In XXXX and XXXX of 2020, I disputed several collection items, XXXX XXXX Account number XXXX -- Account number XXXX with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove these Unverified collection items because of the Fair Credit Reporting Act that states 30 days of no investigation response and the item should have been deleted or verified. thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On or before XX/XX/XXXX, I checked my consumer credit report and noticed the credit limit on two of my credit cards had been significant decreased. When I called the credit card issuer, they said it was reduced because of a recent credit pull. One account with Synchrony Bank XXXX XXXX XXXX XXXX XXXX had a credit limit of {$4500.00} and was reduced down to {$1700.00}. Another Synchrony Bank XXXX XXXX XXXX account had a credit limit of {$2600.00} and was reduced down to {$1000.00}. 
This has drastically affected my FICO scores as I had spent months, even years, maintaining a lower balance to make sure by credit usage percentage was 30 % or below. Now it is reflecting a 95 % credit usage ratio which in turn has dropped by score by 40+ points. 
I did not receive a letter about the changes via the mail until this week. The letter was dated on XX/XX/XXXX. According to said letter, my XXXX credit score on XXXX was XXXX. My XXXX  score has never been XXXX. Other reasons for their decision was too many revolving accounts with high balances '' which is also false. " Too few accounts paid as agreed '' which would only be student loan accounts over 3 years ago. These accounts would have also been the same reporting when I was approved for the accounts. 
If my credit limit was to be decreased, the creditors should have given me a written notification BEFORE the account and allowed me time to pay the balances down so that I may not be adversely affected by the changes. The Credit Card Act of 2009 requires creditor to give me 45 days notice of any major changes. This bank performed a soft credit pull therefore I was not even aware of the credit review and did not send me written notification until after XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Contacted Portfolio RC on XX/XX/2020, by certified mail that was delivered and signed for on XX/XX/2020 requesting a validation of debt for the amount of {$1600.00}, I did not received a response. I mailed a follow-up letter to Portfolio on XX/XX/2020 ; my letter was delivered and signed for on XX/XX/2020 requesting to validate the debt requesting a response within 15 days from the date the letter was received. The company is ignoring my request and the company continues to report this debt to the credit bureaus causing damage to my character.

Company response to consumer: Closed with explanation