vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 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: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed these inquiries for accounts I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove these inquiries I never asked to get any accounts or loans with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: GA

Complaint narrative:
TransUnion is inaccurately reporting public records on my file and they stated there method of verification is through court records..

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 2021-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My current mortgage servicing company, NewRez LLC ( aba Shellpoint Mortgage Services : XXXX ), and previously, XXXX, have neglected to pay my XXXX quarterly property taxes. Taxes are broken into two parcels : a ) apartment {$3700.00} and b ) parking XXXX. As a result, my property is currently delinquent and is accruing daily interest penalties. 

I have been making my monthly payments in earnest on a monthly basis. My escrow account has more than is required in order to satisfy all outstanding payments. 

All my attempts to contact Shellpoint and convince them to make the disbursements have been unsuccessful. I submitted to Shellpoint multiple " Notice of Error '' emails and faxes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have send numerous letters to this company and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: CITIBANK, N.A.
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them from all XXXX credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX  Account XXXX  : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft DEPT OF ED Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I noticed my credit went down significantly, so when I checked my credit, I noticed there was fraud. Someone used my name, spelled incorrectly " XXXX XXXX '' to open an account under XXXX  & now Southwest Credit is trying to collect $ XXXX from me for months worth of XXXX bills. The collection was opened XXXX XXXX 2021. The account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
back in 2017 I took out a loan with Moneylion. They require you to sign up for a membership to get better interest rates. I paid the payment for the loan and an additional {$70.00} a month which comes out {$39.00} twice a month. The fee has been withdrawn 23 times while other times it was not. The fee was supposed provide an investment account. I called month back ask about how to get funds out of my investment account and found out NO INVESTMENT ACCOUNT. I called and a ticket was opened. A week later I called and it was escalated with no ETA on a fix. I reached out to multiple people in Leadership positions at Moneylion on XXXX. I received a call from XXXX XXXX XXXX XXXX when I returned the call it went to voicemail and will not allow you to leave multiple. This was false and misleading and to not have the ability to cancel or stop the ACH debit for the membership this is my last ditch effort to get this resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a suntrust account XX/XX/XXXX online once approved I made a deposit with my tax return check of around {$340.00} I waited a week before making any more deposit just to see if it was going to closed. Upon receiving a card, check books etc I put the rest of my money in there via in person {$9900.00} CASH assuming it was safe 2 days later my account locked. I wasnt aware my account locked until I tried to pay my bill and it denied me, thats when I called suntrust and a representative informed me my account was closed and I will receive a check in a mail. A week went by and I havent received an update or my check so I called again and now my account is FROZEN and there is no time frame they can give me and tell me why its under investigation. A representative tells me I wont receive a letter or any information until the investigation is done while another representative tell me one has been sent 2 weeks ago but I havent received it. Its been almost a month I cant pay bills, buy my daughter food, wipes or papers. My phone is off, I cant pay my rent or any bills for my basic needs I have nothing and they keep telling me they cant give me 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 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've recently reached out via certified mail to Experian, XXXX  and XXXX about providing validation for an U.S Bankruptcy Chapter XXXX thats reporting on my credit reports. They have failed to provide proof of validation which is a violation of the FCRA and FDCA. I've also contacted United States Bankruptcy court via certified mail, They responded stating, they do not provide or perform any activities with the credit bureaus. Attached is the letter and certified return receipt

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 2021-06-28 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: Nelnet, Inc.
State: AR

Complaint narrative:
XXXX XXXX never sent any documentation over to XXXX XXXX about my student loan tpd to XXXX XXXX as stated by them and nelnet says it sounds like when I first started my tpd it was a different process but either way I sent over my 1099c form to XXXX but my dispute was modified later Ive asked for what was modified but got no response but hung up on also so I started stating I was recording early on and also disregarded by silent treatment also. Nelnet told me to tell them to send over my credit report and they will send over the correct information. After disputing my XXXX 2.0 score dropped 28 points and my rate went up {$1.00} according to alerts. XXXX XXXX has closed out my report because nobody is sharing my credit reports to nelnet also the loan department of nelnet has my info but the tpd doesnt. On my credit report they are both reported as opening on the same day month and year. My original loan was XXXX and it was consolidated. I only went to college for one semester from XX/XX/XXXX to XX/XX/XXXX. Also reliant a new company only contacted me three times so they say but Ive never heard of them before I reached out to them but it was during this pandemic when I did because thats when I found out they said they reached out last in XX/XX/XXXX but I wouldve known if they had but I also dont receive my mail from the social security office either and I know they have proof but I dont know or understand whose record they put my tpd under. Some schools just arent for XXXX people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
I got a inquiry alert on XXXX  for XXXX. Also for XXXX .I contacted the company for the XXXX inquiry and nothing was done. They told me they didnt even have me on file and to contact XXXX. I did and nothing was done. But both of those dates i have never applied for any credit. Why would i apply twice for the same credit card a month after each application? It wasnt me. This is either fraud. Or the company is reopening old files and reporting it to the credit bureaus. I say this because I actually did apply for a credit card on XX/XX/2019, which i was approved for. so maybe someone in the company keeps opening that file and reporting it for some reason. Because this doesnt make sense. Ive been working with XXXX credit repair for months now trying to repair my credit. So why would i keep trying to open up new credit cards? I was told from XXXX to freeze my information from the secondary credit bureaus, such as XXXX XXXX because its possible that im a victim of fraud. Can someone please remove these inquiries XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Source Receivables Management LLC
State: VT

Complaint narrative:
Company has called 14 times in 3 weeks. 

Everytime they call, they do NOT identify themselves as a debt collection company and only ask for random names. The names change every time. 

I have asked to be removed from their call list as they are calling a BUSINESS line that hs been mine for 7 years - they refuse. I spoke to a rude man named " XXXX '' and then " XXXX '' and " XXXX '' all who are incredibly unhelpful. They also use tactics that do not disclose they are a debt collector - they say they are a resources and receivable company. 

I explained that I am filing an CFPB complaint and they told me " Try me ''. 

So here I am!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal closed my account for no reason and will not help me with getting it back up and going. They also took the balance from my account after stating that after 180 days they said it would be released back to me. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
My former neighbor and business XXXX XXXX XXXX has written me multiple bad checks summing up to nearly {$150000.00}. These checks were either deposited and then the cash was given to him or they were to cover charges he put on my credit card, damage to my car and damage to my nose. These checks were written by XXXX and drawn upon TD Bank. I deposited them through my personal XXXX account. The checks went through as verified and funds available, later ( in some cases 2 weeks later ), the checks would return. One of the checks that returned was a cashiers check from TD bank. I have already reported XXXX to the local authorities, FBI, Trade Commission and XXXX DA office. The fraud investigator is currently working on this case to press criminal charges. I have also sent XXXX a demand letter via certified mail nearly 30 days ago. He has failed to respond. I have tried to contact TD bank but they are not cooperating because I am not the maker of the check. TD bank is not taking responsibility for their customers issuance of bad checks and cashiers checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
During the pandemic last year Huntington Bank put on their website that they were allowing all clients to make late payments on mortgages and personal loans and they would not report to the credit bureaus as long as they were not 90 days past due. 

In XXXX and XXXX of 2020 my ex-husband paid the mortgage late. It was maybe 32-35 days late. It was not 90 days late. Yet, Huntington still reported it to the credit bureau even though they had stated they would not report it. I have called, I have sent letters with no response, and I have filed multiple disputes with the credit bureaus. Nothing has been done about this except Huntington changing on one of the credit reports that instead of paying late in XXXX and XXXX that I paid late in XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 2021-06-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
this company is ignoring my letters I have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I contacted Experian and XXXX on XX/XX/2021, XX/XX/2021 and XX/XX/2021 about 2 UNVERIFIABLE bankruptcies on my credit report. The FCRA states that if an account can not be verified it must be removed from my credit report. Experian and XXXX says they got the bankruptcy information from XXXX XXXX so I contacted XXXX XXXX myself and XXXX XXXX couldn't verify the bankruptcies so they deleted both of them from the database. Experian and XXXX can not verify the bankruptcies that they are reporting so according to the Fair Credit Reporting Act, they must delete both bankruptcies from my credit report. I am attaching the confirmation letter I received from XXXX XXXX to show the bankruptcies were deleted from the database. If Experian and XXXX don't delete them I will be looking for an attorney.

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 2021-06-28 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: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
In mid XXXX an unknown individual used my credit card to make purchases. Wells Fargo flagged my account for unusual activity and sent me a text. I called them immediately and reviewed with them which transactions were fraudulent. When I received my XXXX statement, I paid in full for all legitimate transactions totalling {$910.00} ; the fraudulent charges totalled {$840.00} for which I did not submit payement. When I received my XXXX statement, additional fraudulent transactions appeared totalling {$910.00}, for a grand total of fraud charges {$1700.00}. There were several written communication from Wells Fargo advising me they were researching the fraud. As advised in their communications, I called their Credit Card Fraud Claims department approximately 12 times to review the fraudulent charges and the legitimate charges. My account of the legitimate charges never deviated. I paid for those charges in full on XX/XX/2020 with my check # XXXX. I repeatedly acknowledged and claimed full responsibility for the 11 legitimate transactions on my XX/XX/2020 statement for which I paid in full. Wells Fargo, for reasons unknown, reported to the merchants that my account and me personally as having perpetrated a fraud. As a result, I am unable to shop online at those stores. I want to be able to shop at these stores once again. I did nothing wrong and paid for all of my legitimate transactions. Please help 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 2021-06-28 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
The following elements appeared in my credit report aren't mine, please remove them all from the 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft NORDSTM/TD Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/21, i called Simmons bank 's corporate office regarding our debit cards, because it is getting close to the expiration date on our existing cards. I was told by the customer svc representative that our cards would be sent out that same week. The cards never showed up, so on XX/XX/21, i called the corporate office of Simmons Band and spoke to a customer svc representative named XXXX. I explained to her my concern that it was getting close to the expiration of our debit cards and she told me that my wife 's debit card had been sent out the previous day. As of today our debit cards have not showed up, so someone is giving us the runaround. For what reason. This is not the first time i have had to file a complaint against this financial institution.

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