vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I contacted Transuion in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. Transunion failed to perform an actual investigation but simply mirrored what's already in their 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 explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
I WAS NOTIFIED THAT MIDLAND FUNDING TOOK LEGAL ACTION AGAINST ME FOR AN ALLEGED DEBT THAT I OWE. I WAS NEVER PROPERLY NOTIFIED OF THE DEBT, I WAS NEVER CONTACTED REGARDING THIS DEBT NOR WAS I GIVEN THE RIGHT TO DISPUTE THE DEBT. THIS COMPANY NEVER BOTHERED TO VALIDATE THE DEBT EITHER BEFORE THEY TOOK LEGAL ACTION ATTEMPTING TO SUE ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I removed my work phone number from the Navient website about one month ago. Someone at Navient placed my work phone number back on the website and they called me at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-03-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ascendium Education Group
State: MD

Complaint narrative:
Ascendium Education Group took over my student loans some time ago. I was not aware, but they have been accepting payments from me since XXXX and not reporting that information to the credit bureau. To make matters worse, I consolidated my loans with another servicer and they are now in good standing with that servicer but Ascendium has flat out refused to remove the negative information from my credit bureau report and it is costing me. They are reporting two loans in collections and charged off. Neither is true. They are actually falsifying information on my credit report. I want these two accounts removed from my credit report. I want the collection and charge off status removed because those are false statements. This has now become a housing crisis for me. The loan officer has suspended processing my application for a mortgage and I have to move by the end of XXXX as I already gave notice at my current home. I'm about to be homeless because of their falsified negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: TN

Complaint narrative:
On Friday, XX/XX/XXXX. 
Atlantic Recovery Solutions The company contacted a family member and released the dollar amount of an owed debt as well as my payment history to my mother at her home without my knowledge. After contacting the company they explained this was not illegal and asked do you really want to do this over . $ $? They insisted no act was illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I am a person who keeps two banking institutes. Chase and XXXX XXXX. I was a loyal customer of Chase for 5+ plus years. That changed XX/XX/2020. I recently moved my direct deposit from Chase to XXXX XXXX because of Chase 's poor customer service. I was no longer comfortable with the bank holding majority of my income. The incident that caused my to forever cut ties with the bank occurred XX/XX/2020. There was a pending purchase that was listed on my account for 3 days ( business and non-business ) that fell off on my user viewing end. Knowing the charge would post I transferred funds to cover my transactions in the meantime. Actively checking my bank account to cover the pending charge, I was checking at the start and end of business day. On Monday night XXXX at XXXX pm PST, I checked my bank account for the last time on my mobile app. Everytime looks normal with a positive balance. Tueasday morning XXXX, I was hit with 3 overdraft charges on a TUESDAY, after the weekend was over. Not only were charges I was hit with overdrafts for ALL debit related. They posted before ALL my deposits to cover the account. If this was Chase 's true practice I would have had a full business day to cover the transaction, be alerted appropriately, and I as the USER would have been able to see the " invisible pending charge '' on my end. I promptly called Chase to explain the pending charge that caused me to overdraft was no longer visible on my end, the response was " oh, that's strange ''. No in fact it it not strange it is a tactic used my Chase to justify charging overdrafts fees for profit. I spoke to a manager explaining my financial situation. I am a single mother to a special needs child who CAN NOT afford to pay fees to a cat and mouse, hidden agenda bank. I am diligent about my accounts and pay the items I owe promptly. The supervisor regarded my situation and suggested I bank elsewhere.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Thank you for the opportunity for XXXX to bear witness to your failure to respond to the issues I presented in my complaint # XXXXXXXX_through the CFPB. The issues which you avoided went right to my fundamental right to be free from inaccurate reporting as well as fraud and identity theft. One can only assume that the avoidance of those issues is an indication that you have more to hide. Your company failed to provide a responsive answer which would satisfy my right to information requested. I wish to make public notice of the following : 1. Notwithstanding the production of any substantively admissible facts to the contrary, the following shall stand as facts not reasonably in dispute in any adversarial proceeding : a. Your company furnished negative information to one or more consumer reporting agencies as evidenced in the above referenced complaint. ( See exhibits in the above referenced complaint ID # ) b. I filed a complaint with the cfpb. The complaint challenged the legal sufficiency of your actions. 
c. Your companys response appears intended to misrepresent and mislead me into believing that your company is in possession of sufficient substantively admissible facts to establish your right to report or collect on an alleged debt without having produced said facts. 
d. Your company has failed to provide me with substantively admissible facts sufficient to show that you have or had my express written authorization to use my personal identifying information in connection with the collection of the alleged debt in question. 
e. Your company has failed to provide me with verification of the alleged debt in question or contract in the form of a credit application. 
f. Your company has failed to provide me with substantively admissible facts which would show that I have agreed to any terms and conditions relative to an agreement with your company. 
g. Without a witness to swear to proof of service/proof of mailing of any billing statements, I am forced to deny the existence of any such account stated. 
h. Since the filing of the CFPB complaint specified above, I mailed a complete denial of the existence of any alleged debt and such mailing was not returned to me as undeliverable. 
i. Your company has portrayed me in a negative light to one or more consumer reporting agencies and in an unconscionable attempt to cause me to surrender money, rights, or property.

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 2020-03-13 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: MT

Complaint narrative:
Last XX/XX/XXXX checked on FSLP loan forgiveness for non profits and asked them to calculate how many eligible payment is had made ( should start XX/XX/XXXX ) still have not resolved this and they sent me a letter in XXXX that it is first come first serve. 

XX/XX/XXXX received letter to recertify my IDR student loan. Resubmitted my information in XX/XX/XXXX. XX/XX/XXXX received letter it was too early to resubmit and the XXXX letter should not have been submitted. 

XX/XX/XXXX received letter they did not receive my resubmission informaiton to receritfy my IDR student loan ( I am with fed loan ) I called and staff said the person who told me in XX/XX/XXXX that I did not need to recertify in XXXX was incorrect. They had raised my loan payment for {$380.00} to {$1100.00}!!!! I had to take a two month forebarence to sort this out and the interest is {$600.00} extra due to their mistake. 

I have emailed and called since then and they sent me an issue saying it appeared the issue was already resolved. I emailed them back that it is not resolved

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13 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: AZ

Complaint narrative:
I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, XXXX, and Transunion are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you 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 non-monetary relief
Consumer complaint received 2020-03-13 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: AZ

Complaint narrative:
I am having trouble with XXXX  getting chapter XXXX bankruptcy information off my credit report even though it has been over 10 years since it was discharged. In my bankruptcy, I reaffirmed my mortgage with XXXX XXXX   XXXX and it was never discharged through bankruptcy. There is no bankruptcy in my public records portion of my credit reports but in the mortgage section it shows this information and I was recently denied credit because of it. Also, I am still paying on this loan and XXXX, Equifax, and XXXX  are not reporting all the on time payments I have made on this loan for years now. They all three show that I have no mortgage which is not true. I disputed this bankruptcy information being on my credit report for over ten years with XXXX  and it is still on my report. I need all three credit agency 's to show my years of on time mortgage payments and that I do have a mortgage and it was not discharged through bankruptcy. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am not familiar with these items and I have been in contact with the company to challenge and verify this debt is mine with signatures and contracts to no avail. I have still received nothing. This is clearly an error and is not my account. the account in question is an AMEX. i have noticed this for several months on my record with incomplete information and it has been hurting me financially unnecessarily as I have expressed. I have notified my attorney to stop the actions of your company from contacting me anymore and I kindly demand your swift response to this matter and deleting these accounts from my reports immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nationwide Recovery Systems, Ltd
State: FL

Complaint narrative:
On XX/XX/XXXX, I was contacted by Nationwide Recovery regarding an amount owed of XXXX from a hospital visit on XX/XX/XXXX. During the phone call, I did not remember a hospital visit of XX/XX/XXXX. I advised the representative ( who was extremely rude ) that I would contact my XXXX XXXX XXXX ( XXXX   XXXX ) which he became very upset and did not want me to contact them. I contacted my Insurance Company to verify. I was told by my Insurance company that they did not pay the co-pay of XXXX and that it was my responsibility. I have GAP coverage that pays copays so I contacted the original creditor for XXXX XXXX XXXX ( XXXX Hospital ) and paid the amount online on XX/XX/XXXX. They sent me a receipt and my insurance company sent me a claim summary. I was told by XXXX at hospital billing that this account will now be closed and that the collection agency will be informed in 24 hours. I then submitted the claim to my GAP insurance XXXX so that i can receive reimbursement. I received a call on XX/XX/XXXX from Nationwide Recovery. It was the same manager who I spoke to on XX/XX/XXXX. I let him know that this account was paid directly to the original creditor. He became very upset that I did not pay through them. I explained that i had to pay it through the original creditor in order to be reimbursed. He reported the account to the credit agency out of anger the next day even though when he asked me for the receipt number, I provided it to him. This is very unethical. Even though the account was paid the representative still reported the account. They also received notification the account was paid from hospital billing on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: ERC
State: TX

Complaint narrative:
I contacted XXXX in XX/XX/2019 about an error reporting on an account in which they replied saying it was verified as correct. I sent another letter pointing out that same error and they replied the same in saying it was right. XXXX  failed to perform an actual investigation but simply mirrored what's already in their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 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: OK

Complaint narrative:
I filed an dispute with TransUnion by mail over a charge from XXXX/XXXX. The company falsely claimed I had missed payments for several months. In their response to me TransUnion fixed the rating to ok however they did not restore my Credit Grade to the Excellent level it had been at prior to the incorrect claims of missed payments. I was able to successfully fix the error and restore my credit with the other two major credit agencies XXXX  and XXXX. 
Because the TransUnion online credit dispute does not work, I called TransUnion Monday XX/XX/2020. XXXX who I spoke with on the phone submitted a new dispute to address the failure to restore my credit rating. When I did not receive an email as he told me I would, I called TransUnion again Friday XXXX XXXX. XXXX was not able to provide me with a confirmation number or any written documentation that the dispute had been submitted to further investigate my credit ranking. They did provide me with a number to TransUnion online and the case number. I called the number and spoke with XXXX on XX/XX/2020. She however could not hear or understand me although XXXX had no issues when I spoke with him a few minutes earlier. Because I have no documentation, I am concerned that the dispute will not be addressed in a timely manner.

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 2020-03-13 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:
I've received a current credit report from your organization. After reviewing the different records, it's clear that the following accounts appear with no regard for accuracy as needed by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Claim # XXXX Dollars Amount : {$1100.00} Date : XX/XX/2020 No letter being sent out for no reconsideration. So i have made an internal complaint but no respond nor credited 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 2020-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
NewRez began servicing this loan on XX/XX/XXXX, assuming this role from XXXX. In this process NewRez has been negligent in transferring information financial associated with this loan. 

Documentation for current Homeowners Insurance was not reflected on my account. This resulted in NewRez purchasing a policy on my behalf.Escrow analysis is incorrect and NewRez is lax is having it corrected. The result of this is a {$220.00} increase in my monthly payment. 

I have completed my due diligence in correcting these issues : Proof of policy was uploaded to the proper website.The escrow miscalculation was reported on XX/XX/XXXX. 

Despite my attempts to rectify the manners NewRez has been slow to respond and has yet to attempt to correct the problems. According to my XX/XX/XXXX phone call, NewRez personnel didn't initiate the repair process until XX/XX/XXXX ( 5 days after my initial report ). Personnel were unable to tell me when these problems would be corrected, only that a letter had been sent to me. 

Currently, I have received 2 generic form-letters stating that they are working to gather information. 

I made a XXXX mortgage payment by standard check in the amount I calculated to be correct. This payment has cleared the bank but as of XX/XX/XXXX is not reflected online. I have made several phone calls, waiting on hold in excess of 20 minutes. 

I emailed NewRez on XX/XX/XXXX with no response and then faxed them the same correspondence on 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 2020-03-13 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: CO

Complaint narrative:
In 2017, i was contacted about refinancing my loans to get one payment with a lower interest rate through a company called XXXX. They were a third party company that does everything to get your loan transferred to a different company. That company was XXXX. Not only did they lie about where {$100.00} a month was going ( should have been going to my student loan ) they were putting that in their pocket. When i wrote in a letter to cancel my subscription the mail got forwarded back to me and when i called the number no longer existed. My XXXX  payments were $ XXXX  monthly for a year. When it was time for a new recert of my IDR and many hours of talking to XXXX on the phone it turns out that the XXXX people told them that i was single with XXXX dependents. Which is not true. Im married with XXXX  dependents. XXXX  didnt want to deal with it anymore and transferred all my loans over to FedLoan Servicing. FedLoan is now trying to charge me $ XXXX/month. Which i can not afford, when before i consolidated i was only paying around ~200 using XXXX XXXX and XXXX  before the consolidation. The whole system is extremely XXXX up.

Company response to consumer: Closed with non-monetary relief