vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I do not have a freeze on my EQUIFAX credit file, however my mortgage company is unable to obtain my report - my mortgage may not process due to this. I have been calling for several weeks and have promised a return call to assist but this never occurs

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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: IN

Complaint narrative:
This has to do with an old complaint, a while back i wrote you are in regards to an account on my credit file, that was caused by identity theft/fraud. this account was remove from my file and then re-inserted and re-aged over and over again. I sent in a police report and it was deleted from my account, then the credit bureaus put them back on my file, so i went and file another identity theft police report in regards to the same account, it was deleted then again re-inserted and re-aged again, due to the fact, another collection agency purchase this same account. how can the credit bureaus keep allowing this same type of action over and over again, without putting a block on this fraudulent account. this should be considered a scam from both the credit bureaus as well as the collection agencies working together with each other. This surely goes against the FCRA Laws and by laws. it seems the credit bureaus do not care about the consumers rights, only making money with the collection agencies. This account has been deleted from my file about 12 times and re-inserted and re-aged.

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 2019-12-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Ascendium Education Group
State: OR

Complaint narrative:
I have been declared completely XXXX and have been cleared to have my student loans discharged. Ascendium Education Group garnished over 1,300 $ from my XXXX while i was in the process of getting this done. They refunded XXXX $ of the money they took but are refusing to refund the rest of my funds. I have contacted them several times to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2019 I initiated a full balance transfer from my Citibank credit card to my XXXX credit card. The correct balance appeared on my XXXX card. However around XX/XX/2019 I noticed I was still making payments to my Citi bank credit card. I looked at the account and noticed that I balanced had not transferred. I called Citi bank and they did an investigation. In XXXX they closed the " Simplicity  '' credit card, transferred the balance to my " Diamond '' card and gave me a credit for the balance transfer. In XX/XX/2019 I get a phone call stating that I owed $ 800+ on my Simplicity  card. I again told them about the investigation that took place in XX/XX/2019. However they are now claiming that the '' Simplicity  '' card that has a balance of {$800.00} that I need to pay. Since I have done business with Citibank I have never authorized them to open more than one credit card account with them. Right now it appears that I have 3. 

I believe that Citbank is using the created account and the failed balanced transfer to bully customers to pay money they do not owe. It is either that or sever incompetence in their record keeping.

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 2019-12-21 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:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these 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 2019-12-21 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21 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:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these 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 2019-12-21 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:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

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 2019-12-21 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to XXXX transactions that I have made/accounts that I have opened XXXX, as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section XXXX of the Fair Credit Reporting Act.

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 2019-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UMB FINANCIAL CORPORATION
State: CA

Complaint narrative:
UMB Bank took my XXXX down to XXXX through their monthly fees ( XXXX XXXX -- XXXX Now I understand why you helped create the CFPB, thank you ) I had a company sponsored XXXX Savings Account XXXX XXXX XXXX where I had deposited over {$3000.00} pre-tax dollars through payroll deductions. My employer plan was through UMB bank ( https : //onlinebanking.umb.com/ ). This was not my choice, but rather the bank my company worked with to facilitate this XXXX benefit. 

When I left my company for a job at a new company, I kept my XXXX account. I did not receive any paper documentation, but just an email from UMB for me to register for an online login. I was not notified of any changes or fees within my XXXX. I continued to use the check card associated with my UMB XXXX account. 

After 16 months, I noticed a {$2.00} monthly charge on my account. The fees added up to over {$50.00} without me ever opting in to this setup In seeing these fees that were slowly clearing out my XXXX savings, I contacted XXXX XXXX on the services team at UBM and walked him through the issue ( XXXX ). Within 7 days, XXXX XXXX, a Senior Rep at UMB, Kansas XXXX, contacted me and said that even though I was unaware of the fees, the most she could do would be to refund me for 3 months worth of fees. I know have {$9.00} left in the account, and have been told that for a {$25.00} fee they can roll this remaining amount into my XXXX with my new company. 

I inquired and UMB has not been able to produce a record of me agreeing or notifying me of the monthly fee that was placed on my health savings account. They had me file a research request and may mail me something or contact me in the next 30 days. If I were not to catch this, rather than these pre-tax dollars going to my families XXXX, they would have been eventually been taken in full by the bank. 

I believe this was misleading and I feel violated as both a customer of XXXX and discouraged because I thought I was following all of the rules and policies. If I had known of this fee, I would have rolled the funds into my new company managed XXXX account at another bank, where my savings are actually growing and I am not charged a monthly fee of {$2.00} to hold my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
- Someone showed up at my door on Tuesday, XXXX/XXXX/19 late at night. They did not give me personally the summons. 
- Upon looking through the documentation the next day, I realized that the attorney representing a company known as XXXX XXXX was suing me in an amount less than {$800.00}. 
- I had ironically received XXXX checks from XXXX   due to the data breach of my information, which I will attach. My information was also compromised in the most recent XXXX breach. 
- I had sent XXXX  via XXXX XXXX letters back in XXXX, XXXX, XXXX, and XXXX of 2019. No letters were answered. 
- I never received anything from this attorney named NAME : Peroutka , Miller , Klima & Peters , P.A . 
ACCREDITED BUSINESS : NO CONTACT : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX PHONE : XXXX XXXX FAX : XXXX XXXX Website : XXXX I proceeded to fax and email to contact them, as I wanted it in writing. They did not respond for a couple days. When XXXX XXXX finally did respond, he stated he would not communicate in writing via email. He also stated on XXXX/XXXX/19 that they would send out validation. Today is XX/XX/XXXX19, and I have yet to receive this information for this alleged debt. There is a complaint filed with the BBB, and he admits that I " ... may not have received it yet. '' They are in the SAME CITXXXX. It takes one business day to get to me. My assumption is that they are waiting for the 15 days to defend myself with all of my proof that XXXX violated FCRPs law to respond to a DV letter - not once - XXXX times, they can default me for this alleged debt. 

Their response is they " record conversations. '' THEY might record them, but my understanding is that I can not ; hence, why I wanted everything in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian sent me a letter on XXXX XXXX 2018 stating XXXX Credit was deleted and has been removed. But I checked my credit and found it is still reporting on my credit please reinvestigate and delete as promised.

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 2019-12-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: MidAmerica Mortgage Inc
State: AK

Complaint narrative:
My HUD184 loan servicing was previously through XXXX. Since I had the loan in 2015, I had not made one late payment. I noticed mid-XXXX that my XXXX payment had not been cashed. I called and was on hold for an hour before I could speak to someone. The representative at XXXX said that the servicing of my loan was being moved to MidAmerica Mortgage and they were servicing their own loans. She gave my my account number ( which turned out to be only for LoanCare ) and a number to get a hold of someone at MidAmerica.

I called MidAmerica the next day. There was a recording on their phone that stated they were closed for an " unexpected event ''. I called again the next day and again was on hold for well over an hour. I hung up and called LoanCare again as I couldn't get anyone at MidAmerica to answer.

I talked to another rep at LoanCare who said that while the account is in transition, that there would be a 60 day grace period. She also said I wouldn't be held liable for any late payments. She said that they had just sent out the notices that they were no longer servicing the loan the week before and I should get it in the mail. I never received the notice from LoanCare. She also stated that MidAmerica would be sending me a welcome packet as well. I never received that. 

XXXX came and went. I figured I had done my research and that I just had to wait to get something from them in the mail. I also kept checking my e-mail on file with them. I received nothing at either. 

On XX/XX/XXXX, I still hadn't received anything. I called MidAmerica again. I was on hold for over an hour again. I finally got through to someone. It wasn't actually MidAmerica who was servicing my loan, it was 1st Tribal. Also, she said the account number wasn't theirs, it was XXXX  's, so she gave me a new account number and I was able to login on the portal while I was on the phone with her. My account stated I was two months behind on my mortgage. I now owed over {$4500.00} in two weeks. She said they hadn't sent me a welcome package but that she would talk to her supervisor to have one sent to me right away. I was upset with her. I have never been late and now I had two agencies not send me the information. I had no way of making payments or knew what was going on. I am lucky that I am able to catch up, but not everyone has three months of payments at the holidays. This has also put undue stress on us for XXXX. I don't think this was handled appropriately and it put my house in jeopardy. Someone should know what they've done. I doubt I'm the only one who has experienced this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a mobile check deposit for {$340.00} on a check written out for {$390.00}. I noticed the mistake posted and reached out to my bank, SoFi, for how to correct it. They told me I needed to talk to the bank where the funds were coming to get them to make the adjustment. In contacting XXXX Bank, the funds issuer, they told me my bank should be able to initiate a mobile deposit correction without any communication from them, but I could not make a correction with them because I am not the account owner at XXXX Bank. I talked to the account owner and they were able to initiate the correction, which happened on XX/XX/XXXX and was expected to complete within XXXX hours. The XXXX Bank account owner gave me a copy of the receipt for the adjustment. I contacted SoFi to follow up on XX/XX/XXXX since I had yet to receive an update and the representative told me they would get back with me if it had not been fixed by the end of the week. On XX/XX/XXXX I called SoFi because I had not received any updates. They told me they had not received the adjustment from XXXX Bank. I contacted XXXX Bank for status. They told me I could not get any information because I am not the account holder. I contacted SoFi again and they told me I could submit the receipt for their back office to process the transaction and they would contact me by COB XX/XX/XXXX, but I have received no additional information and neither bank seems to be able to make any progress with the other. The latest I got from SoFi was an email with the following : I did just get a response back from them. They are still pushing back stating the request has to come from XXXX Bank. They stated they will need the adjustment sent over by XXXX  again for the adjustment to take place. I would recommendcalling again with that referencenumber. You don't need any info on the account but to let them know SoFi has not received the request from them and it needs to be resent. So sorry for the hassle! 

This is what I did earlier today and XXXX Bank would not tell me anything because I am not the account holder. There does not seem to be anything that either company is willing to do to progress this along.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: AZ

Complaint narrative:
Called and advised the account was past due and asked how I was going to handle this. My wife had already let them know that we were aware it was past due and we would handle it as soon as possible as we had a family emergency. So when I spoke with them I told the agent i would not be handling this at this time. She then proceeded to tell me fine she will send a tow truck to my home to get the vehicle. So I felt threatened to setup a payment I can't afford at this time due to our family emergency. My wife called them back later to see if the vehicle was out for repossession and it's not even assigned for repossession at this time it is only 37 days past due. They should never have threatened to send a tow truck to my home if I'm not even assigned for repossession.

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 2019-12-21 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I sent dispute letters for the inaccurate accounts to be removed from my credit report on XXXX/XXXX/2019, XX/XX/XXXX/2019,XX/XX/XXXX/2019, XXXX/XXXX/2019 and XX/XX/2019. However they never sent me documents to show me how they verified the accounts but per " XXXX XXXX. XXXX '' and it should have been deleted per Section XXXX XXXX a ) ( XXXX XXXX ( A ) ( i ). I also sent a letter with Section XXXX XXXX a ) ( XXXX ) ( A ) to show me the physical documents and they have not.

Company response to consumer: Closed with explanation