vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-24 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: LEXISNEXIS
State: IL

Complaint narrative:
I filed chapter  XXXX , in   XX/XX/XXXX , w as having my payments auto deducted from my payroll due to lawyer mishap my case was dismissed and refiled i n  XX/XX/XXXX  an d once again due to lawyer issues my case was refiled in   XX/XX/XXXX . I have  asked the  3rd party carrier to v erify info and update due to I should not sho w 4 bk 's. I sh ould show accurately  of 2 BK 's the case for  XX/XX/XXXX  and  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
This is a  XXXX   XXXX  loan that became delinquent  in  XX/XX/XXXX . A ccording to  XXXX   XXXX  guidelines a streamlined modification was suppo sed to have been given at the 90th day of delinquency   in  XX/XX/XXXX . I t never happened.     Notice was sent to mortgage company o n  XX/XX/XXXX  that they were supposed to give a streamlined   modification. They still are not offering the streamlined modification and foreclosure is scheduled for  XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: EQUIFAX, INC.
State: ID

Complaint narrative:
we have been trying for a very long time to get thing removed from mine and my husbands credit reports. We got letters from the court house and put a freeze on our  XXXX  account  on   XXXX   XXXX  , 2017. I then sent a letter to Equifax asking them to verify bankruptcies on our accounts, and th en on  XXXX   XXXX  ,2017   we receiv ed a letter from Equifax saying that they have verified the information with  XXXX . I contacted  XXXX  and they said that no one has contacted them to verify any information in that time frame and where there is a freeze on the account that they would not have shared any information. I contacted Equifax on  XXXX   XXXX ,  2017 and  they said that they do n't use  XXXX  and I told them that on the letter they sent me that it says that they did. Then they tried to tell me that they got it from the court house and I told them that I have a letter from the court house and they do n't do that. The gentleman then said let me recheck, he got back on the line and said all that we could do was to file for a dispute. I have the whole conversation recorded on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of America has started charging our account Overdraft fees on small, one-time debit card transactions just this year, without our opting in. We have had the account since   XX/XX/XXXX , did not  opt-in for overdraft protection, and became alarmed when we were getting hit with stacked, cascading Overdraft charges since the begi nning of  XX/XX/XXXX .      Upon looking into this, we found that this is an illegal practice since   XX/XX/XXXX  - the b ank CAN NOT extend overdraft charges on debit or ATM withdrawals if they did not provide explicit, written explanation of their overdraft program, allow the customer to affirmatively consent to the program, agree to the fees, and then provide documentation of the customers written consent.     We called BOA and requested copies to show any evidence that we opted in, which they were unable to supply. The only documents we were given were a basic account opening document with not even a mention of any Overdraft protection program, let alone the legally required, separate notice outlining the program.     We called again, and were told they could not reverse our charges without our lodging a complaint.     This is very likely happening to many customers, and needs to stop, and all illegally obtained charges need to be reversed.     htt ps : //www.helpwithmybank.gov/get-answers/bank-accounts/overdraft-fees-and-protection/faq-banking-overdraft-13.html

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 2017-07-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I tried unsuccessfully today ( XX/XX/2017 ) to have Equifax correct their data entry error regarding the incorrect spelling of my name on my credit report, and they refused, asking me to submit documentation as to who I am. I refused, because there is sufficient information for them to correct it without documents. This is causing consumers to not be able to access my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: GA

Complaint narrative:
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: GA

Complaint narrative:
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: GA

Complaint narrative:
I never consented to be a co signer, account does not belong to me, I am a victim of fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
The hard inquiry on credit report was n't made by me the medical should be off I was on medical

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 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX and I currently have a Business Account with Bank of America, " XXXX XXXX ''. I have over {$5500.00} of overdraft fees in the last three months and a  larger amount totaled over the span of being a so called " Loyal Customer ''. I believe their is a flaw in their XXXX XXXX, which they have purposely planted, that manipulates personal accounts also called in the business world as " Petty Pinching '' where they attack small account with petty amounts at a time where there is no option for the customer to regain their money. This amounts to over millions of accounts, which ( {$35.00} ) simple overdraft fees could help with their corporate stocks immensely with free money stolen from their own customers. I need help suing Bank of America for my money back and to stop " Petty Pinching '' from affecting others in the future. They are aware of this buy either play XXXX or are blind to the situation from the inside of their corrupt corporation. I also believe that with the help of some tech savvy guys they could find the exact flaw in the system.

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 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: MI

Complaint narrative:
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX System and they keep harassing me over it. Called AFNI and XXXX XXXX XXXX said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
FedLoan Servicing has been providing me with regular monthly statements of {$190.00} for the past 5 months. Before that the amounts fluctuated and FedLoan could not or would not coherently describe why. I have paid $ XXXX/month to pay down the loans and have received subsequent bills stating " You have previously made payments in excess of the amount that was due. Therefore, you currently do not have a payment due this month. Your next payment is due on XX/XX/XXXXfor {$190.00}. '' This month I received a statement this this exact wording dated XX/XX/XXXX. On the same day I received a delinquency notice dated XX/XX/XXXX. I called FedLoan Servicing for an explanation as to the obvious discrepancy in the two letters dated a single day apart and was told my actual amount due each month was {$1400.00}. This does not appear on any statement and has not been made known to me. The service person claims that emails had been sent, however they confirmed I am set up for paper billing and I have not seen these supposed emails. The service person did not have an explanation for the lack of paper correspondence related to the $ XXXX/month amount due. Please help me to get this matter resolved so I do not default on a loan I have, by all correspondence that has been provided in my confirmed method, been paying beyond the due amount. Furthermore, of the loans listed on the delinquency notice 5 were  supposedly dispersed during my time as an XXXX and during that time I had taken out loans from XXXX XXXX XXXX not FedLoan Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently discovered that I was potentially eligible for protections under the Servicemembers ' Civil Relief Act ( SCRA ) and attempted to submit documentation to that effect to the Chase. I submitted the documentation necessary ( my Status Report pursuant to Servicemembers Civil Relief Act ), but was told that my account did not qualify even though I started XXXX XXXX in XX/XX/XXXX and opened my card in XX/XX/XXXX. They stated that I was on XXXX XXXX before which the government does not show ( or renumerate me for ). I submitted the requested status to two other banks, XXXX and XXXX both of which identified I qualified for the SCRA protections. This is the third time I am doing this and I feel this is becoming onerous as I have tried to do this process before with similar results where the process just drags on even though it is required by law. I spoke with XXXX and they stated that I show as XXXX XXXX starting in XX/XX/XXXX. The documentation, which is provided and signed, by the Department of Defense - Manpower Data Center is a government document created and accessed through : XXXX XXXX XXXX. It is the most current database of DoD personnel and is used throughout the industry. I feel that as Chase states that they are military friendly and then do actions like this with numerous DoD personnel as members understands this process and it just attempting to make it more onerous for members to receive the benefits to which they are due. I appreciate any assistance with this matter. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
I made a money transfer on line with Western Union on my checking account. After I pressed submit to transfer the money and message popped up saying it would take 5 business days to receive. When I realized this mistake I called them right away and was told I would be receiving my credit right away. If I wanted to send the money to the receiver for the same day then a debt card or a credit card and that I could do it on line. I was not credited but the truth took it out twice. I have been on the phone for2 hours and was told it would take 5 business days to receive one credit and the other would be by tomorrow. The supervisor said she could n't override this problem because of the back office. I asked to speak to them and she said they do n't take calls. I was helping a family member we was having a XXXX XXXX XXXX. They also said on the phone that I would receive my first transacion of {$200.00} today. I have checked my account and no monies were received. Please help me retrieve my money back. The transaction numbers are XXXX and XXXX. My gold card number is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: MO

Complaint narrative:
TransUnion removed unauthorized inquiries from my credit report only to turn around and put them back on when they had a glitch in the month of XX/XX/XXXX. I contacted them XX/XX/XXXX and explained that I was seeing these inquiries along with a collection and was told that it would be taken care of and removed. However, fast forward to today XX/XX/XXXX and only the collection has been removed and all the inquires dated from XX/XX/XXXX to XX/XX/XXXX ( XXXX ) total that were not authorized by me still remain. I called again and spoke with XXXX who stated that anyone can run my credit anytime they feel and the inquiries will stay for 2 yrs. He then transferred me to XXXX who is suppose to be a supervisor who stated the they never were removed and will remain regardless. Now I have been patient with them and tried to understand that all companies have computer issues at times but this is getting old. My inquiries were removed and they were suppose to stay removed. Not get put back just because your system had a glitch and then you never notified me that you were putting them back. It is my legal right to be notified before you just go and start putting things back on my credit file. I never received my 5 day notice to do such a thing so therefore TransUnion is in violation of my rights. These inquiries add a hardship to my life as I 'm trying to buy a house. I ask that you please make TransUnion be responsible and stop victimizing me along with others. As a resolution I request that TransUnion delete all of the said inquiries in question permanently from my credit report as a violation took place when they illegally added them back. Thanks for your time.

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 2017-07-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: World Acceptance Corporation
State: IN

Complaint narrative:
I had a loan with world financial pay on time sometimes was late was a good customer payoff loan try to get a loan denied

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 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: GA

Complaint narrative:
I am very disappointed that this company, continues to operate in bad faith per Federal Trade Commission ( see 15 USC 41, et seq. ), They say they have verified the bankruptcies with the third party company XXXX. I have provided documents from XXXX that there is no bankruptcies in my file. Also I have a security freeze on my XXXX account that can not be accessed by no one but me. So how did they verify and why wo n't they validate who they spoke to or provide documentation bearing my signature??? They 've repeatedly failed to provide me with a copy of any viable evidence submitted by XXXX XXXX XXXX CT XXXX GA or XXXX I 've asked for " Validation '' and XXXX  has not provide me any. I provide proof ... ... THEY HAVE NOT!!!!! For the last three months they have said they 've verified but provided no validation. No one for the last 6 months had any inquiry into my XXXX account. NO ONE! XXXX, is not being truthful and operating in bad faith, simply for profit. Someone needs to hold them accountable. There is no way they verified or more importantly validated any bankruptcies with my social from XXXX! I ask that you reopen this dispute and get to the bottom of there deceitful actions!!!!! They are saying they did an investigation, when in fact they have not! They have no access to my file, cause if they did, they would be deleting the incorrect data on my credit report!!!!! I have the proof, they do n't ... ... HOLD THEM ACCOUNTABLE!!!!!!! I am asking for " VALIDATION ''!!!!!!!!!!!!!! 
Here are the statutes in which this company is in current violation : 1. Falsely representing the amount of alleged debt and therefore violating FDCPA 15 USC 1692e ( 2 ) (  A ). 2. Failing to report an account as disputed within 30 days on my credit reports after receiving my requests for debt validation, thereby violating the FCRA 15 U.S.C. 1681i ( c ) Notification of consumer dispute in subsequent consumer reports. 3. Failing to accurately report information on my credit report, thereby violating the FCRA [ 15 U.S.C. 1681s-2 ] ( a ) ( 1 ) ( A ) Reporting information with actual knowledge of errors. This is a demand for a response, on point, in writing, hand signed, and in a timely manner, agreeing to remove this listing from my credit reports and any other entity that reported this information to. Any other action or in-action on your part and this will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I get against this company for violation of the Fair Credit Reporting Act, the Fair Debt Collections Practices Act and Defamation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
As someone who lives paycheck to paycheck there are always more bills at the end of the money however in a 6 week period TD BANK has charged me over {$800.00} in overdraft fees virtually ruining my ability to pay my bills as {$800.00} is more than 1/2 of a paycheck. They refuse to forgive any of it. I have overdraft protection but bills that would have cleared with no problem did NOT and I was assessed more fees. On XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$70.00} XXXX XXXX {$35.00} XXXX XXXX {$35.00} XXXX XXXX {$170.00} XXXX XXXX {$35.00} This is BEYOND abusive and research has indicated that TD Bank has already had complaints and judgments against them for this type of abuse. As a result of this I have had to use credit cards to buy something as small as a pretzel because I have no cash and am petrified to use my atm card. PLEASE PLEASE HELP ME!!!! I want these fees refunded and then I plan on changing banks. I have already tried to switch banks but TD does not seem to want to release my money. I will be happy to supply you with my account number so that you can investigate this thoroughly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
Accounts - XXXX, XXXX, XXXX were closed due to identify theft but for some reason they are still in XXXX XXXX XXXX XXXX XXXX and they keep harassing me over it. Called XXXX and Enhanced Recovery Solutions said they could not talk to me about accounts. Just want these taken care of and proof that they were taken care of. Also Verified that there were taken care of over 2 years ago with XXXX XXXX XXXX but due to lack off communication they stayed open through 3rd party collectiuons.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation