vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
On XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report. 

XXXX- remove all inquiries and XXXX XXXX credit card with balance of XXXX, XXXX Transunion- remove all inquiries and XXXX XXXX XXXX XXXX credit card with balance of XXXX, XXXX XXXX- URGENTLY remove all inquiries, two XXXX   accounts, XXXX XXXX  credit card with XXXX balance, XXXX account, XXXX XXXX account, XXXX and XXXX XXXX credit card .

I don not have account numbers as I am not the original owner of these account and neither credit bureaus has given me any complete information on these accounts including account numbers.

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 2019-03-05 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: MD

Complaint narrative:
We recently pulled our credit report and discovered that XXXX is reporting sporadic late payments on our closed account for XXXX, XXXX, and XXXX. 

According to XXXX 's Detail Transaction History for this account, a late fee in the amount of {$84.00} was assessed starting XX/XX/XXXX and for several months thereafter ( see attached ). The Date of First Delinquency ( DOFD ) is XX/XX/XXXX, which XXXX admits. 

According to the Fair Credit Reporting Act ( FCRA ), negative entries can only remain on the credit report for seven ( 7 ) years from the DOFD. Therefore, seven years from this date is XX/XX/XXXX, at which time all negative reporting must be deleted. As of this date, this negative reporting still remains on our credit report and XXXX refuses to remove it. 

This account was closed in XX/XX/XXXX, as it was refinanced with a new XXXX account, which has never been late. We never had any late payments prior to or after this time period. We are requesting that XXXX delete their inaccurate reporting on our credit report immediately.

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 2019-03-05 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 have submitted signed Identity theft affidavits and police reports to all 3 credit bureaus with all the accounts that were not mine as I attempt to put my financial life back together. XXXX and XXXX validated the said account to be FRADULENT, and the said account XXXX XXXX # XXXX was swiftly removed from XXXX and XXXX but Equifax continues to report the said account as if it belongs to me. This account is not mine ... I have never had any dealings with the said company and have made several attempts to get this resolved. I am in the process of taking this to the court system and suing for monetary damages. My credit score with XXXX is a XXXX ... XXXX is a XXXX, but Equifax is a XXXX ... huge differences and this shows that Equifax is reporting damaging, fraudulent account on in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center
State: FL

Complaint narrative:
I have recently disputed payments deducted from my checking account due to a company called Premier Student Loan Center, LLC. They have fraudulently deducted money on a monthly basis since XXXX of 2018, and are NOT providing any services. The first 6 months they deducted {$390.00} a month, XXXX for my student loan, and XXXX for my husbands student loan. There has been no payment towards our student loans and It appears that they are somehow putting our student loans in forbearance without our authorization and pocketing the money. After obtaining our credit report, I found that our student loans are up for renewal and that NO PAYMENTS have been received. I contacted the company and the XXXX to find that Premier Student Loan Center is a SCAM, and there is no forgiveness towards our student loans, and they are not providing any services, just taking our money on a monthly basis. Over {$2300.00} was deducted the first 6 months, then another XXXX has been deducted from our perspective checking accounts ( XXXX and XXXX XXXX XXXX XXXX ) despite hundreds of dollars in INTEREST accruing in our student loan statements. My student loan lender is XXXX XXXX XXXX and they have NEVER heard of Premier, the merchant taking my money. My husbands student loan is serviced through XXXX. XXXX   XXXX XXXX suggested that I initiate a complaint. Also, despite giving this fraudulent activity to XXXX, I was unable to receive any return of the funds. However, my husband received a partial refund from XXXX, but has recently been notified that he will not be able to keep those funds as these deductions happened longer than 60 days ago. I am certain we are not the only ones affected as there are well over 100 complaints to the XXXX. This company is preying on individuals that would like assistance with student loan repayment and forgiveness. 

I do not wish for anyone else to be defrauded as we have. 

Thank you, XXXX & XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: TX

Complaint narrative:
XX/XX/XXXX, I submitted via certified mail in which was signed for on XX/XX/XXXX, a notarized FTC report, notarized police report, notarized personal statement and copy of my credit report including highlighted fraud and inaccurate items to the credit bureau. Per my request and FCRA rules the bureaus had 3 days to remove all listed fraud accounts and incorrect information from my profile however they only removed some items. I have given the bureau ample time past the allowed time given via the law to remove all fraud items and associated inquiries yet they are refusing. I have had a fraud alert and have taken proper legal precautions, such as flag my social and replace my DL since XXXX. I have even disputed such items and the bureaus have refused to properly verify the validity of such accounts, now they are refusing to remove them even with a Federal report and police report backing me as validity that the accounts are fraud. Please remove remaining fraud items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
In my move from New York to Virginia in XXXX of 2017, I would receive XXXX   XXXX XXXX  bills in bulk forwarded from my previous address to my Virginia address. I was under the impression I had automatic payments set up. My XXXX XXXX XXXX charge that lasted over 90 days was for {$20.00} or so. I make over {$100000.00} a year so this obviously wasn't a financial burden that I was putting off. Yet, this {$20.00} bill has severely brought down my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
I hired a flooring business called XXXX, XXXX to redo my floors. The project cost was {$14000.00}. The contract stated {$7000.00} upfront and {$7000.00} at the completion of the project. Halfway through the project XXXX due to negligence caused a flooding and used unauthorized building materials. When the management company of the building confronted them they abandoned the worksite. XXXX ran two more charges on my credit card for {$1600.00} and {$3500.00}. These charges were not authorized and a lawyer has determined that they are unlawful. Chase claims that because XXXX had my credit card number for the initial charges the subsequent charges are not unlawful. They also claim that it does not qualify as a merchant dispute as the merchant is not willing to cooperate. I had to hire another company to finish the project for {$5000.00} and XXXX caused approximately {$13000.00} in damages to the unit. The new company was called XXXX XXXX and they charged {$5000.00}. 

Chase has more than 40 pages of documentation including the contract, photographic images, invoices and estimates for damages, insurance letters etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: NY

Complaint narrative:
this is an on-going problem with this company. I live in a XXXX XXXX XXXX and if the lot rent is not paid by the XXXX - their late fee is like {$100.00}. My mortgage late fee is {$5.00}. 
I only get paid twice a month so I paid the lot rent on my first pay and the mortgage on the 2nd pay of the month. I never go over 30 days. I email an ACH authorization form over in the beginning of the month telling them which day to deduct the money. 
no problems until recently when I noticed a couple months ago the money did not come out as scheduled ( always a Friday ) I had to call and they had to search for it and get it processed. Then this month I sent over my authorization form telling them to deduct the money on XX/XX/XXXX ( 2nd pay of the month ). they did it today causing my account to overdraw and cost me {$50.00} thus far. I called and no one is available to speak to. 
Since they were not authorized to draw money from my account until the XXXX what course of action do I have?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
PayPal gives little indication it collects a foreign exchange fee of almost three percent for a purchase in foreign currency -- the purchase page defaults to a converted amount in USD, with only a subscript conversion rate and an ambiguous link to " View conversion options. '' Only elsewhere on PayPal 's website does PayPal indicate it makes money from currency exchange ( marketed as " competitive with rates used by banks '' ), which led me to call my bank after a purchase on XX/XX/2019 for XXXX GBP and learn PayPal took XXXX USD as an exchange fee. A quick search shows numerous other complaints on PayPal community forums and news articles about PayPal 's ambiguously disclosed foreign exchange fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
On XX/XX/2019 I sent a letter to this company requesting removal of their inquiry on my credit report. I have no knowledge of applying for this company. I asked them to please remove the inquiry unless they have my permissible written copy with my hand writing as per the FCRA. This company is NOT being complaint with the FCRA. After sending them my letter I received a return to sender as this company is not in business? 

This should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019, around XXXX Eastern Time, A guy by the name of XXXX XXXX promised me he could make me more money so I transferred XXXX $ on XXXX. It sounded legit because I had to go through my bank to sign on and give them money through it. I trusted him so i did and he then told me he got it and I would recieve a larger payment soon. He then blocked me on every website and all I have is his name and phone number. I asked wells fargo for a refund, and now im locked out of my account and I called XXXX and told me they couldnt 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 explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
On XX/XX/19, I wanted to unfreeze my credit to apply for a loan. However, my Equifax online account was not accepting my password, so I was locked out after 3 attempts. I phoned the Equifax customer service who sent me a reset password link. After successfully resetting my password, I attempted to login again ( one time ), and it said I was locked out. I called Equifax 's customer service again, who immediately placed me on hold to " access my details ''. After a few minutes, the represented returned just to ask if he could place me on hold again. Eventually he returned and offered to send me another password reset email. I explained I had already done that and was still locked out. He placed me on hold for a 3rd time to " access my details ''. Multiple times throughout the call he had long periods of silence. I then explained I wanted to unfreeze my credit ( forget about resetting my password completely since that was entirely unsuccessful ). He proceeded to follow the process to unfreeze my credit and started asking me verification questions. There were literally *minutes* that went by that he would not say anything in between. And, he'd repeat the same questions again. One question which I felt uncomfortable with was " Do you have any credit cards? '' To which I answered yes. But there was no follow up question. Finally, I asked to be sent to the phone survey, and he would not hang up. He finally just concluded by saying he has a process to follow and he was unable to verify my identity. I clearly asked to go to the survey and to be disconnected. I stayed on the line, but was never sent to the survey. He never unfroze my credit, and never helped me reset my password.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Bank of America will not accept a cash deposit on a current account holder 's account unless the individual making the deposit on behalf of the account holder has an existing account with Bank of America. On Sat. XX/XX/XXXX a {$500.00} deposit was made to my account in the form of a money order. It was not applied until Tuesday XX/XX/XXXX. On Monday XX/XX/XXXX I made three separate deposits to my accounts. The third deposit was made at an ATM around XXXX, at which time my account on line reflected a positive balance. Then the following morning XX/XX/XXXX my account reflected several items coming through, including 3 overdraft fees totaling {$100.00}, all before my final deposit was credited to my account and before an ACH deposit of {$3000.00} was credited Bank of America intentionally manipulated my deposits and the drafts to my account to cause an overdraft scenario. When I called to ask that they refund the overdraft charges to my account they refused even after speaking with a customer service associate and a supervisor.

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 2019-03-05 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: CA

Complaint narrative:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
XXXX XXXX XXXX Account Vice President Ms.XXXX XXXX has sent XXXX, Transunion, XXXX and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX XXXX XXXX information XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX Lifetime, Retired and a US XXXX Honorable Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

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 2019-03-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX my auto lender with my account # XXXX XXXX XXXX XXXX has deleted the negatives on my account and place my account on " Current Status '' as of XXXX XXXX. 
Prestige Financial Services Account Vice President XXXX XXXX has sent XXXX, XXXX, Equifax and me a electronic email verification on placing my auto loan " Current '' status as of XXXX XXXX. 
Here is XXXX  XXXX XXXX  information ,XXXX XXXX XXXX XXXX, XXXX, Utah.XXXX.XXXX direct number XXXX.and fax XXXX I am respectfully requesting a expedited updated credit scores and credit report as I am going through a VA Loan and purchase process with XXXX XXXX  to purchase a new construction home with XXXX XXXX in Florida. 

I highly appreciate your support as I am XXXX XXXX, XXXX and a XXXX XXXX XXXX Military Veteran. 
Thank You for your wonderful support for our US military Veterans and all Citizens in the Communities of America. 
Very Urgent Matters!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
Mariner finance is not honoring the terms of the contract set in place for the purchase of a reverse osmosis system for our home. The cost of the system was {$3500.00}, mariner finance charged us 16.9 % interest rateAnd now is asking for the full XXXX term interest at the 12 month pay off. I feel they are manipulating the contract to line their pockets further as I have paid them in full within a 12 month.

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 2019-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
Each day, at approximately XXXX EST, I receive a call from Convergent Outsourcing. Convergent is a debt collector. My phone number is XXXX. I tell them each time I am not the person they are looking for and they continue to call. On XX/XX/XXXX, they called for a XXXX XXXX and then again for a XXXX XXXX. I can not convince them that I am not under any late debt obligations. I only owe a mortgage and am in good standing having never missed a payment. How do I get them to stop calling me for people who had that phone number or have misrepresented themselves to have that phone number? Convergent calls EVERY DAY. I have told them to stop calling that number and according to their representatives, I am on a recorded line. That must be a joke too.

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 2019-03-05 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: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I'm divorced XXXX I had a joint mortgage with XXXX they released me XXXX it was sold to XXXX XXXX then sold again XXXX to Select portfolio services ... ..XXXX Select Portfolio Services is now recording his loan on my credit ... .XXXX is out of business XXXX will not talk to me, because I'm not on the loan, but I was able to get a letter of release from XXXX, SPS will not honor it. SPS says the former banks did not know what they were doing and have be mistaken since XXXX. 

From what I understand, is that my X husband is the successor because the house was given to him in our divorce decree and when you do a modification after divorce you become solely responsible. My name is not on the Loan Modification and I did not need to sign the modification because the home belongs to him along with the promissory note. I also read that a loan modification is consider an assumption. 

Please help me, I just tried to help my daughter to get a loan for a car and we were turn down because of this error. We will try another bank Thank you for your time in this matter. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation