vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I have been contacting this company since the middle of XXXX regarding my XXXX payment to no avail. Just told " I can't do that, there is nothing I can do ''. No one seems to be able to make decisions at this company. I communicated with someone in the office of the president on XX/XX/2020 regarding difficulty making my XXXX payment due to COVID19 Pandemic and not working for 3 months due to stay at home orders. She spoke about my account receiving a " skip payment in XXXX and XXXX '' but could not give me another one for XXXX. I asked what other options I had suggested changing my payment due date to later date in XXXX in couple of weeks since I would be returning to work and will have income then. She told me there was " nothing '' she can do to assist me with my XXXX payment She again stated that she " could not make that decision '' and then told me " customer service could change '' my payment due date and then transferred me to XXXX, in the customer service department. When talking to XXXX, she told me " we can't change your payment due date for XXXX, we can change it in XXXX. '' I needed assistance with my XXXX payment informing her that I will be able to resume payment in XXXX. She then told me she would waive my late fee for XXXX and make a note in my account to not charge me a late fee and also so I don't receive calls from them about my missed XXXX payment. However, I received my bill, and the company charged me a late fee for missed payment in XXXX and they would not remove it from my account as promised. They also called me late in the evening while I was working about my missed payment, harassing me, when told I would not receive such calls because they were noting it in my account to not call and waive the late fee. I want refund for my late fee. I have been proactive in trying to problem solve with this company to no avail. I told them on XX/XX/XXXX that I would be able to make a payment by the end of XXXX, couple weeks and I did. I made payment on XX/XX/XXXX. Please refund my late fee.

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 2020-06-26 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: FL

Complaint narrative:
In the past 3 months, I have contacted Equifax in three opportunities ( attached proof ) because they are reporting 2 inaccurate hard inquiries from 2019. The hard inquiries were made by XXXX XXXX XXXX and XXXX XXXX. In every letter that I have sent to Equifax, I have asked for proof that verifies that I authorized those inquiries back in 2019. I also asked specifically for their METHOD OF VERIFICATION, a description of how the investigation was conducted, along with the business name, address and telephone number of the furnisher. 

Equifax in those three opportunities, sent me an AUTOMATIC answer back saying that the inquiries have been " verified ''. The letters are always the same, and none of them have provided any method of verification ( attached proof ).

1- Even though I have asked in every single letter I sent, Equifax has not sent me their method of verification. 

2- Violated my right under the Fair Credit Reporting Section 611 ( a ) ( 6 ) and ( 7 ) by not providing a method of verification. 

My credit worthiness has been highly affected by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CA

Complaint narrative:
These are not my accounts. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These are not my accounts. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I sent a complaint through the cfpb and still didnt get the money from them. Please check my last complaint against ditech. My complaint shows as closed but still didnt get the check from them

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: FL

Complaint narrative:
There is an account on my credit that DOES NOT belong to me.I have never had XXXX XXXX. This is NOT my acount. It does not belong me. I also have some inquiries on my credit for things I've never inquired about. Please remove these items from my credit. Also I need a new copy of 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 2020-06-26 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: WA

Complaint narrative:
My auto insurance agency notified me they were unable to review my coverage because TransUnion was providing address information contrary to all other records. I attempted to get a copy of my credit record via telephone ; after 10 minutes of pushing buttons and listening to voice prompts the automated voicemail system tells me it can't release any information because my data does not match theirs. It directs me to the TransUnion website, which I must register with to obtain any information. What was not disclosed was registration to the TransUnion website automatically sucks {$27.00} out of your checking account and signs you up at monthly membership rates. What I thought was going to give me a free copy of my credit report was a deception. The subscription fees may have been hidden in the fine print in the link at the bottom of the registration page, I certainly never found it. 

Short version : TransUnion created a situation with my car insurance that they refused to fix or even give any details about until they extorted {$27.00} from the victim of their misinformation. Being a XXXX person on a very limited income, I can't afford to let this slide.

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 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This company states that I owe a debt. I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: CO

Complaint narrative:
On XXXX XXXX, 2020. I received email saying that my disputes were open and that some were updated. So basically Im back at square one again! For instance which I think is a violation of law because experian specifically responded to my complaint with the CFPB Complaint number XXXX which I have attached to this complaint that they were in process of blocking the pending disputes per identity theft report. So they blocked the XXXX XXXX  and the XXXX XXXX XXXX on XX/XX/XXXX per report number XXXX. I just dont understand. How can a problem be fixed when they are giving out misleading information to even the CFPB? This is clearly wrong! I have somewhat basically the problem with the other 2 bureaus. One telling me one thing and the other doing another. I called XXXX yesterday and they had updated my name and then tell me based on my social security number they cant find my file. Are you serious? This is a joke! I intend to sue soon. This doesnt make any sense. This is just one incident Im able to prove. But they all have employees who do this. These people needs to be reprimanded. Especially the ones in high position within these companies and then I got hung up on with XXXX special handling department. I asked for the supervisor he claimed to be one. Just tired Im not calling them anymore Im just gon na sue. To many hours put into this and spending money on credit repair and credit monitoring. What for?

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 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian I have opt out of all promotions stop leting me get offers or my credit shared or sold after opt-out on all offers

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 2020-06-26 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: NV

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian, XXXX, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX  and Experian and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
NewRez mortgage provided XXXX  inaccurate information regarding my XXXX and XXXX payments which in turn dramatically dropped my credit score and rating category. The initial reason for the dispute was because NewRez provided me with the incorrect information for my XXXX payment and refused to take accountability for it..which is normal for them according to reviews on the XXXX. I feel that they are vindicating me for having the audacity to pursue my case because I feel that they never fully investigated the initial incident by pulling the call and taking accountability. Therefore, I opened a dispute with XXXX  and they misrepresented my XXXX and XXXX payments, which resulted in another credit hit after I worked hard to build back my credit after the XXXX incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NV

Complaint narrative:
These are not my accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
These are not my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My {$43.00} payment to a Chase Visa account via my XXXX XXXX XXXX  bill pay service shows the transaction completed on XX/XX/2020 ( see documentation ). For some reason, the Chase account statement shows the payment on XX/XX/2020. There is also a {$27.00} late fee, and a {$70.00} minimum payment rather than the previous {$42.00} minimum payment ... with no significant balance increase ( see documentation ). 

I have contacted them by secure messaging, given them basically the same information as I am providing to you. I have not heard from them yet, as their website says it could take over a week for them to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XX/XX/2020. 
So this loan company calls. Tells me I can have a {$2000.00} loan. Covid has made me desperate for living expenses. All I need to do is take the {$800.00} he will deposit in my Wells Fargo account and return it to him. It's not my money, so it seemed correct. I gave him my account info so he could deposit. Just routing and acct number All of a sudden, there was {$800.00} in my bank. He wanted me to return the money back to him. Then, the trust factor is built and he will deposit the {$2000.00}. He, somehow, got by Wells Fargo 's shoddy security. He got access to my online account somehow. I later found out, that what he did in my account is file disputes on purchases I made, and some idiot Wells Fargo person put up an {$800.00} provisional credit. I thought it was his deposit to me. I have asked for provisional credit and never, ever was granted it. Is this an insude job? What kind of idiot at WF puts up an {$800.00} provisional credit from 8 different transactions? You can't do this without the aid of a banker. I got robbed of {$800.00} because of this person/idiot that set the credit. If that never would have happened, I never would have lost the money they pulled back and posted as available. They are responsible for the {$800.00}, they put up the credit for a thief. I knew I did not have {$800.00} in my acct. So, when it appeared, it had to be a deposit to me. So, I thought it was. They have sent letters and deny any wrong doing and refuse to help. I have documents from the phony loan company, phone numbers, text messages. It all seemed legit. These are professional felons, and I thought Wells Fargo had insurance for when they make huge security errors like this? I was robbed by a bank! Too big to care. I couldn't pay my rent, now facing possible eviction.

Certainly, there must be protection from banking institutions, we rely on these professionals to do their job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: FL

Complaint narrative:
This company states I owe a debt to them. I have no knowledge of any debt owed to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 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: NV

Complaint narrative:
These are not my accounts or addresses listed on file. Please remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, XXXX, and Transunion didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for Transunion and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX, Equifax, and XXXX  didn't respond to the dispute letters I mailed off on XX/XX/2020. I also purchased the credit monitoring membership for XXXX and XXXX  and the the erroneous accounts state " IN DISPUTE ''. This has been the status of their investigation for over 3 months. This violates the Fair Credit Reporting Act as each bureau has only 30 days to complete the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citi Reference Number : XXXX and XXXX This would be my sixth complaint/response to CFPB and Citi Executive Response Unit ( CERU ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- BACKGROUND ( SUMMARIZED ) Citi practically stole my savings account for 63 days by freezing it without my consent. I had no access to it and was provided no useful information or was offered a real way to resolve the issue. In over at least 15 phone calls, correspondence, and complaints, I hit dead ends for all of them. 

As a result, I suffered a monetary loss in the amount of {$600.00}, the opportunity to earn interest in the amount of {$300.00} ( by putting it in a higher interest account ), and I have lost HOURS of time in making multiple calls and writing correspondence that Citi does not seem to take seriously. In addition, my account was terminated without cause. I am looking to be compensated for my monetary and time loss stated above. 

I am suspecting illegal asset freeze ( see other similar complaints in XXXX and CFPB by other customers ). For the unexplained account closure, I am suspecting discrimination. 

For more detailed background, I have provided comprehensive explanations and complaints here : CFPB complaint # XXXX, XXXX, XXXX, XXXX, XXXX ; XXXX  complaint # XXXX, XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- MY MESSAGE TO CITI I will simplify this complaint to the REAL ISSUE here, and I would appreciate your direct and transparent response without avoiding the issue or putting the blame on me not following instructions ( because I did ) : Why did you freeze my account for 63 days without my consent and without providing a way for me to resolve the issue? DO NOT tell me that I did not follow your instructions to call the number you provided, because I did even before you told me to. 

There you go, plain and simple. 

I am still waiting for your call to resolve this matter in person. I really don't understand why we need to communicate via CFPB.

Company response to consumer: Closed with explanation