vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing. PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. Trans Union is reporting negative information from XXXX, and XXXX XXXX XXXX ( Car Account ) which is incorrect. I'm not liable for these debts. They're illegally attempting to collect money from me. This information is negatively effecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood. The information they are reporting is not identically shown on my reports from XXXX, and XXXX.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In a XXXX  store ( Jersey City ) I made a purchase of {$30.00} in XX/XX/XXXX using XXXX XXXX XXXX store credit card. I did not receive any email notification on my account status in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX regarding outstanding balance and/or late payment fees. 

Today, XX/XX/XXXX I reviewed my account and discovered late charges for $ XXXX.I spent several hours trying to speak with a representative to resolve this issue and either they hung up on my call or kept forwarding. 

I refuse to pay this amount as I had no idea that I even owed {$30.00} in XX/XX/XXXX. Let alone a staggering amount of {$100.00} late charges. 

I request CFPB to help resolve this issue and ensure bad business practices such as these are eliminated so another consumer does not have to go through this nasty experience. 

Thank you.

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: CO

Complaint narrative:
I have had numerour overdraft feesassesed to my account. i have overdrawn my account with knowledge that I am going to be penalized with a {$37.00} overdraft fee. I get that. However, there are transactions that are in pending status that have been charged to my account and funds are available. It is NOT the customer 's responsibility to process the payment. It is the merchant that has not posted the payment or I do not know what the problem is here. TCF bank had entered into a Class Action Lawsuit as they charge their customers these ridiculous fees. This is a scheme ran by a financial institution that does not care about their customers finances. light has to be brought top this issue.I have submitted a complaint against this company before. The issue continues to occur. It is overwhelming to go buy groceries and not have funds available and have to put all the food back with XXXX small kids watching! I have contacted TCF Bank I requested to speak to a Supervisor three times and i am placed on hold for a long time. I requested a call from a Supervisor and no one called back. Pending transactions are not due to overdrafting!!! I should not be charged an overdraft fee for " pending transactions. ''

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA
State: OH

Complaint narrative:
Student loan payment went up 250 % ( from {$59.00} to {$140.00} ) with an increase of {$3500.00} in AGI. I am unable to pay this larger amount. 

I have contacted CFPB, XXXX XXXX XXXX and the US Dept of Education 's Ombudsman about this in XX/XX/XXXX. Having received no communication from any of these three groups, I called the US Dept of Education 's Ombudsman group on XX/XX/XXXX. From there I was told to fax my complaint to the US Dept. of Ed. Ombudsman group and XXXX  XXXX XXXX. I received no communication from any group from the fax. ( I have proof of mailing & faxing. ) On Friday, XX/XX/XXXX, I called XXXX XXXX 's ombudsman group and was told I'd get an email in 24-48 hours. I received an email today, XX/XX/XXXX. The email gave me a convoluted formula to calculate a new payment method called the " Partial Financial Hardship '' - which reduced my payment amount by {$1.00} a month. The email did not even mention what my next steps were. 

I am unable to pay my loan at this new amount- even with the Partial Financial Hardship calculation. I can not appeal or get a real dialog started. In fact, I have no faith in that anyone will read this either and that I'm simply wasting my time filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IA

Complaint narrative:
I've had my American Express credit card since XX/XX/2015. Since then, I have never missed or been late on a single payment. Most of the time, I pay my card of completely. Last month, I received notice that American Express was decreasing my credit limit from {$30000.00} to {$3900.00}. This has caused my financial outlook and security to be completely diminished as well as hurting my credit score. I contacted American Express to try and get my credit limit brought back to the original limit to which no one I spoke with would provide me any help whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Hi, I submitted an online application to open Citibank account ( Citi priority package which includes checking and savings account ) at the following url : https : //banking.citibank.com/XXXX XXXX Before applying, I called and asked Citi at their XXXX XXXX number that if I was eligible as a XXXX  resident to apply . I was told I was eligible. I provided complete information like SSN,  DOB , Dr Lic #, Employment details, Account and routing number to withdraw funds from to fund these new accounts, when I made the online application. 

On XX/XX/XXXX I received a letter from Citi stating the account could not be opened due to inability to verify information. When I called and asked, they refused to provide any information on what could not be verified or what was missing from the application. They were rude, unhelpful and the supervisor even told me to go to a branch in XXXX XXXX ( I live in XXXX ).  The supervisor name is XXXX, Team # XXXX at XXXX  call center. 

I am truly concerned that I have provided all this personal information and now it may just be used for nefarious purposes. Also, I am mystified why Citi is so unhelpful and rude and unwilling to tell me what information they are missing.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
The account for XXXX was paid in full on XX/XX/2018 and disputed with Navient. The account is closed and they once again added it to my credit file causing my score to drop 10 points. 

This was disputed and they are intentionally trying to ruin my credit. 

Account ending in XXXX. I have sent emails and they continuously do this. I am very upset. How can they continuously get away with this..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
XXXX XXXX/ XXXX hard inquire with Equifax XX/XX/XXXX, do not have any knowledge of this or previous hard inquires on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 0r XX/XX/XXXX. Note : I checked other such complaints with XXXX XXXX  and it seems to be an on going issue, but only to the people affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
We have paid our mortgage in full and on time since its inception in XX/XX/XXXX. We have no escrow account and have always paid our insurance and property taxes on time and in full. In the summer of XX/XX/XXXX OCWEN charged us for forced place insurance even though we had insurance. They never sent us notification of this or the reason why it was necessary. We had insurance thru XXXX XXXX at the time. I didn't realize they had done this until I got a collection call from them stating that we were 90 days past due on our loan. During that conversation I was also told that forced place insurance had been applied in early XX/XX/XXXX as well. I pulled our credit report and found that OCWEN had indeed reported our loan 90 days past due. Over a six ( 6 )  week period I spoke with numerous OCWEN customer service agents, XXXX xXXXX, XXXX XXXX x XXXX, XXXX XXXX, XXXX XXXX, XXXX xXXXX, and was told that XXXX  had not provided them with a copy of the policy. XXXX  provided proof that insurance was in place and never lapsed, and provided me with a copy of the fax transmittance. OCWEN promised that once they received the documentation from XXXX they would ( 1 ) removed the forced place insurance, ( 2 ) credit the charges associated with the forced place insurance, ( 3 ) issue a letter to us showing that we were not at fault and had never been late on our mortgage, and ( 4 ) correct our credit report. As of this date, OCWEN has ONLY removed the forced place insurance for XX/XX/XXXX and credited the charges associated with XX/XX/XXXX. I have made over 20 calls and spent over 6 hours with OCWEN customer service trying to correct this -- the last of which was with XXXX x XXXX on XX/XX/XXXX. Due to OCWEN 's incompetence and careless regard for our credit standing, our three ( 3 ) credit reports have shown us 90 days past due since XX/XX/XXXX. Nothing seems to get them to correct their error and nobody seems interested in getting this fixed. 

My first attempt at correcting this error ended with OCWEN stating that they did not have proof of insurance for the dates they show as lapsed. I found this strange as when I contacted them on XX/XX/XXXX at XXXX CST their XXXX XXXX at extension XXXX told me that he could see them in the system. 

I am including them with this complaint. 

Any attempt you could provide would be greatly appreciated.

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 2018-05-21 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: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errors XX/XX/XXXX, 1XX/XX/XXXX and XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

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 2018-05-21 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: CA

Complaint narrative:
Here are the dates when I mailed out letters asking them to fix the errorsXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and till this date they have failed to provide me with proof as per the fcra. AS I understand, federal reporting laws, particularly the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that any and all information or notations alleged be certificated compliant as well as fully true, correct, complete, timely, proven mine, and proven of my responsibility. It is with clarity that the same laws dictate that no entity, including a consumer credit reporting agency such as yourself, can not excuse itself from the responsibilities or the mandates nor the liabilities should that entity become deficient in that compliance and or physical proof of it. I am enacting my consumer rights to have ONLY CURRENT TRUE ACCURATE and physically proven Metro 2 COMPLIANT information reporting, I do NOT AUTHORIZE you to retain any other accusations of a adverse or derogatory nature, true or not. RETAIN or return to requisite Metro 2 compliance by your immediate and willful annulment of any  and all of the above unproven to be compliant information already or not already rectified by the other major credit bureaus as mandated by law. Thank you in advanced.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This company Portfolio Recovery started calling me over 5 years ago for a Debt from a electric bill in college im.not legally obligated to pay that has past the statute of limitations. i registered with the do not call registry & they now call my house phone all times of the day to try to convince me to make a payment though im not obligated if i would like the calls to stop essentially they plan to harrass me by phone till i choose to pay the debt legally i dont owe i just want the harrasment to stop

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Experian is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

Equifax is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: LA

Complaint narrative:
Dear CFPB, I'm writing for sincere assistance with correcting some information on my credit report which is hindering me from gaining employment, and getting financed for housing and an automobile. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT INFORMATION. 

TransUnion is reporting a large amount of erroneous credit inquiry information from multiple consumers. I did not authorize these inquires. These consumers did not have my approval when processing a credit check. This information is negatively affecting my credit score, and I would like it removed ASAP. Please assist me in getting these items removed from my report so I can no longer be bogged down by the negative information which is impacting my livelihood.

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 2018-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AK

Complaint narrative:
My XXXX-year old godmother opened a joint account with me for the purpose of saving money for her funeral. ( I have accepted responsibility for planning her funeral when the time comes. ) She deposited a total of $ 14,000+ in the account and the funds sat there untouched for several years. In the summer of XXXX, an individual presented the bank with a Power of Attorney purportedly signed by my godmother. In fact, the PoA was never notarized by the signature purporting to be hers. Further investigation by the local law enforcement agency shows that the supposed Notary Public does not even exist. 
The bank was careless in accepting the PoA. The bank was careless in not noticing the account being totally drained in a 2-month period after having sat inactive for many years. This was a total disservice and disservice to an elderly person. 

The local law enforcement agency is actively investigating this matter but we do not expect to ever be able to recoup the money from the man who stole it. 

I have written to HSBC in XX/XX/XXXX and asked them to restore the missing money. The bank has ignored my complaint and request. 

The bank has possession of my original letter, the Power of Attorney and all the monthly banking statements showing the activity on this savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Service Finance Holdings, LLC
State: FL

Complaint narrative:
My house is sold and I'm trying to get a mortgage but because XXXX is reporting my installment loan as a mortgage, they say it's because of the way it's being reported by Service Finance Co, LLC

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: IN

Complaint narrative:
I have contacted Equifax in regards to an account that was removed from my account that is not associated with me, and then as of XX/XX/XXXX18 i checked my report and it was placed on my credit file, so I don't know if it was a mistake or what but the XXXX XXXX account in the amount of XXXX is not mines, I have already dealt with this for years.

Company response to consumer: Closed with explanation