vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I called Trans Union on Thursday XX/XX/2021 to dispute inquires that are on my credit report. I was informed that I was not able to dispute inquires with Trans Union and that I would have to contact the companies to get a deletion letter from them and then send it back to Trans Union. I asked to speak to a supervisor and was connected to one. The supervisor told me the same thing. I then called the Consumer Financial Protection Bureau who told me that what I was told was incorrect. If the information is on my credit report then it is able to be disputed and investigated. I then called back to Trans Union and informed the agent of what the CFPB told me. He then told me the same thing that the other agents said. When connected to another supervisor I was told the same thing as well. I was not able to get my items disputed.

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 2021-04-29 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: TX

Complaint narrative:
Attached is latest proof of my claim of fraud. Previously, I have disputed items on my credit report due to identity theft for over 4 years. I had sent arrest and felony conviction information on the person listed in my XXXX Sheriffs report. Today, I am sending my supplement to the sheriff 's report I made in XX/XX/XXXX. I am sending previously sent documents but sending again for your convenience. I hope I am doing all that is right since I have never been in anything like this. I am sending the supplement to XX/XX/XXXX Sheriffs report, The XX/XX/XXXX Sheriffs Report, XX/XX/XXXX Judgement of Conviction on XXXX XXXX XXXX, Mississippi charges on XXXX XXXX XXXX ( Notice she also listed her name as XXXX XXXX ), Alabama Charges on XXXX XXXX XXXX. 
Please remove XXXX XXXX from 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 2021-04-29 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: Continental Finance Company, LLC
State: CA

Complaint narrative:
My complaint is about Continental Finance Corporate Office/XXXX XXXX XXXX XXXX, XXXX XXXX, MO I made my timely regular payments and established stable payment history, without delays. Last year, I have been affected by COVID-19, pandemic. During that period of time I notified as a credit cardholder of my financial hardship and unemployment.and requested the bank a forbearance and flexibility for the repayment. However, all my requests remained ignored and the bank avoided response. They never responded to my letters and inquiries, rotated in an endless runaround. This deception, fraud and unfair practices adversely affected my credit card account and imacted my credit score, resulting in a delinquent status and being charged off. My credit card # is:XXXX XXXX XXXX XXXX with the Continental Finance. Please assist me to overcome this consumer fraud as a victim since this bank is not willing to respond to my letters and repeatedly refused to address my concerns or resolve my account related negative reporting problem. I will also contact the Treasury Department and Attorney General in addition to my speech on XXXX and through the social media. I am an innocent victim of circumstances and consumer 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 2021-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Claims Center LLC
State: CA

Complaint narrative:
Rented a car from XXXX XXXX XXXX on XX/XX/2021 to XX/XX/2021. I made no damages to the car. Received a call at the end of XXXX claiming to be a company called The Claims Center. Their number is XXXX. They said XXXX was filing a claim against me stating that I damaged the rental car from that rental period and asked for my statement. I stated I didn't make any damages to the car. They said they would call me back in a week after their investigation. I received several other calls from them over the few weeks after that call. I wasn't able to answer at the time, so I tried to call back. They never answered when I called back and there was a ringing tone on the line. I received another call on XX/XX/2021. When I called back, a woman answered and claimed I was found guilty for my charges and needed my insurance information. When I asked what it was about and if they did an investigation, she said they don't handle investigations but the insurance companies do. Due to their inconsistencies in their story, I hung up without giving my insurance information and looked up their number online. I found countless instances of other customers saying it was a scam company that worked with XXXX to scam consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: IN

Complaint narrative:
By there own statement they have met there requirements for verification of collections within FDCPA guidelines. It's been over 5 years since I ask for verification of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: Shellpoint Partners, LLC
State: MN

Complaint narrative:
I had a equity line of credit with XXXX XXXX, MN. When I refinanced in XX/XX/XXXX, the loan was satisfied. I was notified by XXXX that Shellpoint was my new servicer in early XXXX. I couldn't figure out why I was getting correspondence from Shellpoint in XXXX and XXXX, so I just disregarded any info from them. In XX/XX/XXXX I received a notice from Shellpoint that I had a 60 days late notice. I immediately contacted Shellpoint to inquire on how I received a late notice on a {$0.00} balance account. I told them that the account was satisfied in XX/XX/XXXX and there no balance on the account, so I wanted them to reverse my late notice. They told me that they didn't know that the HELOC was a {$0.00} balance and said I needed to contact the prior servicer ( TCF ) and get a release. I contacted XXXX and got a release which I then forwarded to Shellpoint. On XX/XX/XXXX statement, they still had my 60 days late, so I contacted them again. They said it could take up to 60 days for the notice to be removed. I filed a dispute with XXXX in XX/XX/XXXX ( When I went to purchase a new vehicle and my payment was higher than expected because the late notice on my report ) and the dispute came back unresolved. I filed another dispute in XX/XX/XXXX and that dispute was resolved. Thank you, XXXX! 
To this day, I have never received any correspondence from Shellpoint explaining how they could charge my account past due with a {$0.00} balance. I have included 2 documents. One is the release from XXXX and a copy of the XXXX report showing the 60 days late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Im a new customer at citibank so my acxount havent have money yet. I deposited a check of 2000 in on XX/XX/XXXX. On XX/XX/XXXX they closed my account, i couldnt go online, then i called, they said the check look counterfiet but yet on XX/XX/XXXX they withdraw money out of the issuier account. When i called them they asked me the phone number of the owner of the check to verify, but after all they couldnt verify it. I asked did they call they said they didnt call because the phone number wasnot under the issuer name but her husband name. Then they said nothing i can do but wait for 30-60 days for the account fully closed then they will refund the money. Now i called again, they said i have to verify the check for them to able to refund to the issuer of me. Today i talked to them again, they said i have to wait until XXXX for it to completely closed then the only choice is for the issuer to notery documents them come to citi bank and verify that she signed me the check or else the money will be hold by them forever. 
Its covid. Because my kids have to stay home for online class, i been home for a year. I have to sell stuffs to survire. This is my rent money. {$2000.00} is so much to 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 explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
In XX/XX/2021, I contacted Freedom Mortgage in regards to a refinance offer I received via email. The loan officer on the phone took some information from me to start an application. I never got his name and did not hear from him for over a week. 

On XX/XX/2021 I called Freedom Mortgage again and received XXXX XXXX on the line. He said he could help me and proceed with the application. I believe he took ownership of my loan application at that time because I received a letter in the mail stating that I had withdrawn my loan application. I explained to XXXX XXXX that I did not want to proceed with the application if I could not use cryptocurrency as proof of funds should the underwriter require them. XXXX XXXX said it would be no problem and it " should be fine. '' Since XXXX I have not been able to get XXXX XXXX on the phone to discuss my loan application. Communication has been one sided where XXXX XXXX emails me generated emails to sign loan documents with no phone call or follow up on what he is sending or why. 

After several attempts of calling and emailing him I started calling the XXXX number for Freedom Mortgage. Still ... I could never get in touch with XXXX XXXX only random people who work the customer service line. 

Today, XX/XX/2021 I received a call from a woman named XXXX from underwriting stating that they can not accept cryptocurrency at all as a proof of reserves. That I would need to liquidate those funds into my bank account and provide a bank statement as proof of funds. I stated to XXXX that I had told XXXX XXXX from the very beginning that I did not want to proceed with the application if my cryptocurrency would not be acceptable as I did not want to ding my credit and waste time in the application process. 

It has taken near XXXX XXXX XXXX months to get a response from an underwriter who told me cryptocurrency isn't accepted AT ALL by Freedom Mortgage. As a loan officer, XXXX XXXX should be fully aware of this before binding clients into applications process that harm their credit long term. This is completely unacceptable.

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 2021-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Applied for a XXXX loan through XXXX XXXX. Before I submitted application I checked SBA guidelines dealing with deposits into personal checking accounts. There was nothing in the Cares Act of 2021, or on the XXXX XXXX website that stated sole proprietors couldnt use their personal accounts to receive deposits. Ive been reselling shoes for years and in XXXX I grossed a substantial amount from it. My funds were deposited on XX/XX/XXXX at XXXX into my Golden 1 personal checking account and was frozen by XXXX the same day. I spoke with Golden 1 and they referred me to their XXXX department. They asked for documents to prove I am a business ; however a-lot of the documents they asked for dont apply to me. They asked for XXXX XXXX XXXX, partnership agreements, state licensing and plethora of other things. I submitted my Schedule C, my EIN number ( even though as a sole proprietor it isnt required ) and docs from XXXX XXXX showing that it is in fact me who applied for the loan. They still have stated it doesnt prove anything and that theyll send my loan back to the lender. Now i may be liable for a loan that I couldnt even use, and it may not be forgiven because I couldnt spend it on what it was authorized to do. In addition Golden 1 doesnt even offer business accounts so their clients that receive these government loans are met with yet another barrier to overcome. I believe Golden 1 collects interest on our money so not only are they refusing to release funds but they are capitalizing from it and i believe they may be creating these rules to launder money. I think somebody needs to take a deeper look into how golden 1 conducts business because it isnt right.

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 2021-04-29 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: TX

Complaint narrative:
On XXXX XX/XX/2021, I contacted Equifax in hopes of finding out why all of the accounts on my credit profile had been removed. I verified my identity on 3 separate occasions in the last 6 to 8 months and Equifaxs system glitched and removed all of my accounts obtained with my old mailing address and is now only reporting the four recently obtained accounts under my new mailing address. The irony of this is that I purchased a new home recently and that account isnt on my credit report and the home purchase is the address or my new mailing address. The representative told me that I would need to mail or fax in my drivers license, social security card, and a brief statement that I am who I am and what my previous address was and what my new address is. I have been through this for years with Equifax and every time I ask to speak to a supervisor and/or manager, they hang the phone up on me or disconnect the call. Their practice has been unethical and unfair to me as the consumer. I have worked extremely hard to get my creator to very good standings and every year I am met with adversity from Equifax. I have been stuck in XXXX, XXXX, for the last 16 months and the means in which they provide for sending in my information is not feasible from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 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: TX

Complaint narrative:
A public record from the US Bankruptcy Court is being reported against my credit bureau and it is not mine. It belongs to my ex wife 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 non-monetary relief
Consumer complaint received 2021-04-29 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: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
On XX/XX/21 I was given a checking account number and routing # to pay off my credit card balance of {$790.00}. My credit card balance after 3 days showed a {$0.00} balance. I was asked in return to make a XXXX payment on XX/XX/21 to someone for {$990.00} in the promise that it would be paid with the same checking account that paid off my credit card. On XX/XX/21 the original payment of {$790.00} was returned as insufficient funds. I was told to send it back through because the bank messed up and there was definately money in the account to pay the balance. The XXXX payment I submitted payment for to my credit card in the amount of {$1000.00} was also returned as insufficient funds on XX/XX/21. I disputed this transaction of {$990.00} on XX/XX/21. Sent in all of the requested information. Received a letter on XX/XX/21 that my dispute had been settled and I was responsible for the transaction of {$990.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nationwide Recovery Systems, Ltd
State: GA

Complaint narrative:
i just knew this account on this month when i tried to applied a credicard but it was declined so i check my credit report.the credit report show the collection account was created on XX/XX/2020, but i didnt live in NC, im impossible been to the NC hospital.and i didnt received any statement bills, i dont know why this account created under my name.my brother lives in north carolina, his name is XXXX XXXX XXXX, its similar with my name XXXX XXXX XXXX, i dont have his SSN, i worked for him in north carolina couple years ago.please double check the information,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I was looking for the perfect credit card to apply for and due to the positive feedback on reviews as well as from many clients and friends of mine that hold the card I applied for a Capital One Quicksilver credit card especially since those I spoke with all had at least {$10000.00} credit limit which was exactly what I was looking for. Keep in mind my salary is more than 400 % of those who hold the Capital One Quicksilver credit card with their {$10000.00} limit. As such, I expected at the very least a {$10000.00} credit limit and wouldnt be surprised if it was more close to {$30000.00} since I had such a credit card limit in the past when I was making half of what I do now. With a very good credit rating as well as a DEEP six figure income with no substantial debt this was a very realistic outcome. So when the Capital One Quicksilver credit card came it didnt show the credit limit in the paperwork. I activated the card and as far as what I thought I saw was a {$10000.00} limit because anything less than that would be ridiculous considering my impressive financial qualifications. The first time I went to use the Capital One Quicksilver credit card it was on a larger than normal purchase of a few thousand dollars. To my surprise and total embarrassment, the purchase was declined. I downloaded the Capital One app and logged in to see why my purchase was declined.and there it was, the app stated my credit limit was only {$1000.00}!!!!! I was in total disbelief. I tried numerous times to get a hold of Capital Ones Customer Service to get answers as to why my credit limit is so low yet have consistently stated they are experiencing high call volume even when waiting I get disconnected thus going thru this platform. So here I am making more than 82 % of people in this country with no substantial debt except for monthly living expenses and I am insulted with a {$1000.00} credit limit? I had a higher credit card limit when I was XXXX XXXX XXXX with a paper route! What is even more disturbing is the average Capital One Quicksilver credit card limit is between {$5000.00} and {$10000.00}. My financial qualifications are ABOVE average yet I receive a BELOW average credit limit. The bagger at my local grocery store who makes minimum wage has a {$5000.00} credit limit!!! This is beyond degradingas a highly successful XXXX  with XXXX XXXXr XXXX and several XXXX XXXX. The whole point of getting this card was to be able to have access to a higher credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Nelnet has reported to credit bureaus that I was past due in XX/XX/2018 on 20 separate accounts. This is inaccurate. I was attending school on XX/XX/2018, which means there should not have been anything due at that time period. Nelnet refuses to remove the derogatories despite being informed of the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
This complaint is in regards to a mortgage statement we received from our servicer NewRez LLC DBA Shellpoint Mortgage Servicing with a Payment Due Date of XX/XX/2021. 

XXXX. The statement shows the Payment Amount as {$0.00}. Why is the Payment Amount shown as {$0.00}? 

XXXX. What is the Attorney Cost Disbursement charge in the amount of {$350.00}? The only payment that we owe NewRez LLC DBA Shellpoint Mortgage is a principal, interest and escrow payment. 


The above referenced Mortgage Statement has a Payment Due Date of XX/XX/2021 but we did not receive this statement until XX/XX/2021.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation