vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
I am a victim of identity theft. My daughter stole my ID and credit cards and took out cash advances and loans. We do not look alike they allowed her to sign my name and take the money. I have provided them with a police report and my hand writing showing them it was not me.She took a XXXX dollar cash advance on 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 2022-02-16 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: CA

Complaint narrative:
My name is XXXX XXXX and I am submitting this complaint without any influence from and third party or agency. Please see attached documents and ID ad it contains my full complaint request.

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 2022-02-16 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Creditor has not provided the information I have Requested to confirm that the alleged amount is actually owing. 
On XX/XX/2022 ( see attached ) I requested the debt collector to provide original signed credit application, cashed checks used for bill payment or original billing statements. This information has not been provided. Debt collector continues to post negative information to the credit bureau ( s ). Thereby, failing to produce validation of the debt actually been owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report with Equifax and XXXX XXXX and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with Equifax and XXXX XXXX over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but Equifax n XXXX have not Equifax XXXX XXXX Acct # XXXX Showing as closed but has not been removed XXXX XXXX XXXX Acct # XXXX Showing as paid but has not been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Ok to start forever I've wondered why I couldn't check my credit. ( I still have trouble with eqiufax and XXXX XXXX. So, I applied for a loan and was rejected so I began investigating and found out that all 3 credit agencies had either wrong XXXX and equifax had me with 2 social security numbers 1 correct 1 not and XXXX XXXX had only 1 the wrong 1. XXXX fixed the ss # issue immediately while eqiufax claimed they didn't have it wrong. Yet I was logged in and watched them change it and XXXX XXXX flat refused to fix it unless I further risk Id fraud by mailing them copies of my personal information. There were also several addresses on my file that didn't belong to me so.someone messed my credit up and I can't prove XXXX and the credit agencies don't give a XXXX to try to fix it on top of it I applied for a single loan and have like 500 credit inquires hit all around the same XXXX time and I can't even report it to eqiufax or XXXX XXXX becase they really done give a XXXX to help me sort it out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I have been a Citi credit card custome since XXXX. I don't use this card often, but it had been attached to my XXXX account. 

On XX/XX/XXXX, I attempted to purchase a pizza with XXXX in XXXX XXXX. I immediately got a warning text from Citi to my cell phone that the transaction was declined and to try again. I did not try again with the same establishment. I did not try again, and ordered another pizza from a different restaurant, again using XXXX Eats. 

I ended up getting XXXX orders delivered because CITI apparently had not declined the transaction ( even though they had communicated that that was the case, so I BELIEVED THEM ). 

It has been utter XXXX dealing with CITI customer care in explaining the situation. The first set up CC people on their mobile chat app did not even understand how a charge in EUROS would be translated into USD for an American customer, and I was accused of talking about XXXX different transactions because of the confustion/incompetence of the CC people at CITI. 

I tried to work it out with XXXX, but from their standpoint, the transaction went through. 

I have texted with CITI and called. I decided to dispute the charge with CITI and I have received a conditional credit, but it should really be an issue with CITI 's systems messing up things for me and XXXX. I called several times and texted CITI and have gotten some people there to promise me that a goodwill credit will be applied to my account, and the dispute process dropped. This has not happened, and when I attempt to inquire about it to a new CC person, they often don't understand anything and I have to where to turn. 

Meantime, I decided to switch my card to my XXXX credit card. Well, when I was trying to book an XXXX Ride on XX/XX/XXXX from my home in XXXX, TX to the airport, XXXX wouldn't let me use their service until I paid for the PIZZA AGAIN. XXXX EURO. I needed to get to the airport, so I paid it. I now have a dispute process with XXXX, because I found out from XXXX that from their perspective the chargeback I have with CITI puts my account in arrears. 

I just can't win. I didn't order XXXX sets of pizzas, ever. CITI told me that my transaction was declined. It wasn't. Just give me the goodwill credit as promised and drop the dispute process since it was ALL CITI 'S error in the first place.

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 2022-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aspen National Financial, Inc.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX. For over a year now, I have been reaching out to them, requesting options for cancellation out of this timeshare. Instead of aiding and options for resolution, the only responses and communication I have received from them have been regarding payment they are requesting and never any option to alleviate this from me. This timeshare has very easily become a burden, especially because it was initially misrepresented to me. It is impossible to sell or try to rent this timeshare as hundreds of people are trying to do the same on XXXX and XXXX. They kept bringing up my family and how this would benefit us. I was never informed that the maintenance fess would keep increasing and after only two years it increased almost {$30.00} more. I did not sign up for that and I feel forced into paying those. The presentation took an enormous amount of our time and took up one of our vacation days and the paperwork was very rushed. They toured us around the XXXX area, there they gave us an alcoholic drink and nothing but a bunch of lies. I have explained my concerns and circumstances to XXXX and all I have expected was a response with a solution and they have failed to provide me that. 

This was a misrepresented contract and I am taking the proper avenues to cancel my contract with XXXX XXXX. The cancellation of that contract will absolve any debt with them, so there will be nothing to pay XXXX afterwards. Also, I never agreed to work with a third party collection agency and sent a cease and desist to them. They should not be involved anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
I am writing for two reasons. I was not informed or included in a legal settlement with CPFB and Nationstar Mortgage, dba Mr. Cooper. I believe that I should have been included in the damages paid for Mr. Cooper 's fraudulent practices because I have been complaining for years about their fraud in my mortgage account. Secondly, I am including documentation that shows Nationstar fabricated my credit report by reporting late payments when I paid on time. The discrepancy in my payment and the mortgage amount is because of Mr. Cooper manipulating my escrow account and changing my mortgage payment frequently without adequate notice starting XX/XX/XXXX and continued unit XXXX. I have never been 30, 60, or 90 days late for any mortgage payment. Nationstar has a routine practice of changing escrow with less than 30 days notice then holding timely payments in a separate suspense account and not giving credit for the payments made on time. The amount of the differences were less than {$100.00}. Nationstar routinely made adjustments then penalized mortgagees and damaged my credit for no reason other than manipulation of my account. The statements that I am providing were created more recently and were never provided to me at the time of the alleged late payments. The statements show payments being received by Nationstar when they were reporting my payments late but in fact where deposited into a suspense account. This should have been part of the litigation settlement which I should have been a part of. I did request a forbearance which I received because I temporarily lost my job during the Great Recession. The problem I have is that Nationstar has refused to remove the negative credit report because of their malfeasance in manipulation of escrow. Regular and frequent escrow calculations are not the norm in any other mortgage servicer and XXXX did so out of fraud. I have attempted to get clarification from Nationstar but they have never provided a full accounting for why the escrow frequently changed from month to month from XX/XX/XXXX until XX/XX/XXXX. In addition, Nationstar has frequently reported payments made on time as late which has damaged my credit score for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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 — Other problem getting your report or credit score
Company: Advanced Resolution Services Inc.
State: MS

Complaint narrative:
I have been reaching out to Advanced Resolution Services since XX/XX/2021 requesting a copy of my ARS consumer REPORT. I have yet to receive a report from the company. I have attached another request today with my personal information as well as my signature to request a copy of my ARS consumer REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed a dispute to have the information removed as it is inaccurate. It has not been removed with in a 30-day time frame.

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 2022-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
well when i did some how it got turn right around and got done on me but that's not the only thing either there is so much more that's been going on and i know who is doing it to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I received the response from Citi to my previous complaint XXXX regarding cash back reward of the Dividend credit card. They insisted the negative XXXX Dividend Dollar balance is correct. 


Again, this is absolutely wrong calculation even using their logic of how to apply the 5 % cash back onto eligible transactions from BestBuy purchases in 2021 XXXX quarter. 

Their response stated The {$1700.00} return from Best Buy, which was for the charge billed on XXXX XXXX, 2021, was received on XXXX XXXX, 2021. I agree that I should not receive cash back for the XX/XX/XXXX transaction, however, the transactions after XX/XX/2021 were still eligible for the 5 % cash back until the annual cap is reached. 


When the return was accomplished, it cancels the {$88.00} cash back earned from the XX/XX/XXXX transaction, which makes my accumulated cash back way below {$300.00} ( {$210.00} as of XX/XX/2021 ). 


Citi admitted they didnt grant 5 % on the Best Buy charge for {$1600.00} billed on XXXX XXXX, 2021. However, this transaction is eligible for the 5 % cash back since the cap was not reached. I did the calculation and included it in the attachment. 


Finally, the overall amount I spent at BestBuy was {$5900.00}, which qualified for {$290.00} cash back and didnt reach the annual cap. Since I redeemed {$300.00}, the cash reward balance should be - {$2.00} instead of - {$88.00}. I request Citi to review the calculation and correct the mistake. 



Additionally, I would like to emphasize the {$1700.00} refund from Best Buy was issued by Best Buy on XXXX XXXX, 2021. But Citi posted very late on XX/XX/XXXX, causing all these troubles. The processing speed of Citi is very disappointing.

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report with XXXX and Trans Union and have found inaccuracies showing that are affecting my credit rating showing on my credit file. I have disputed directly with XXXX and Trans Union over 30 days ago and they have failed to remove these in accuracies. XXXX XXXX Acct was paid and agreed to remove from bureaus and XXXX has complied, but XXXX n Transunion have not XXXX XXXX XXXX Acct # XXXX Showing as closed but has not been removed TransUnion XXXX XXXX Acct # XXXX Showing as paid but has not been removed

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 2022-02-16 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: TX

Complaint narrative:
I recently reviewed my credit reports and have found duplicate accounts that are affecting my credit rating showing on my credit file. I have disputed directly with Experian, and XXXX over 30 days ago and they have failed to remove thesein accuracies. 

XXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times XXXXXXXX XXXX XXXX XXXX Acct # XXXX Showing duplicated XXXX times

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 2022-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I called Transunion Spoke with a representative about Inquiries that were not mine and I believed were fraudulent! The Rep would not connect me to the fraud department. She told me to write them to file a complaint or dispute any information contained on their website! 
False Address : XXXX XXXX XXXX XXXX # XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent inquiry : XXXX XXXX Bank XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021

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 2022-02-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I did not consent to this UNFAIR and INACCURATE information to be reported to MY Consumer report. Please remove! Pursuant to 15 usc 1681B ( a ) ( 2 ). Reports must be in accordance with Consumer

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 2022-02-16 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: SC

Complaint narrative:
The credit bureaus reporting inaccurate information on my credit file while not verifying these accounts. 
XX/XX/2022 I sent the company Experian a request letter. My terms was to verify the accounts or remove them. Im addition, please remove all non accounts holding inquiries over 30 days old. Also, please add a suppression to my credit file. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof you must remove them. Also on ( XX/XX/2022 ) I wrote Experian a demand to comply letter. Which states Since this is my second request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action. 
I also understand that you are required to notify me of your investigation results within 30 days and provide me with an updated copy of my credit report. My contact information is provided below. 
Sincerely,

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 2022-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
We paid {$850.00} for an appraisal at the requirement of PHH Mortgage. We have received no copy of the appraisal. Our loan was denied on the basis of the appraisal but I don't even know exactly why because I do not have a copy of said appraisal an PHH will not give us any details. The appraiser left no card or information, so I can't contact the appraiser. I can not get anyone at PHH Mortgage to return my messages. I can no longer get into the loan application portal. I have had foundation engineers out to look at our house and they find it structurally sound and said it does not need further work. I can only guess at the reason for the rejection because I have not seen any documents or had anyone return my calls or messages or e-mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16 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: Nicholas Financial Inc.
State: MI

Complaint narrative:
This account with XXXX XXXX with the account number XXXX, has been paid, and thus, it should be removed from my credit report. There should be no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX, and even to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.

Company response to consumer: Closed with explanation