vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 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: NV

Complaint narrative:
I, XXXX  XXXX XXXX Post XXXX and XXXX   XXXX Veteran of the United states XXXX and California XXXX XXXX XXXX Cell No> XXXX and email address XXXX XXXX mailing address XXXX XXXX  XXXX  XXXX  Nv XXXX respectfully request if you can accept and process my latest complaint that I filed with you before concerning the XXXX XXXX XXXX   XXXX  XXXX located at XXXX  XXXX XXXX XXXX Nv XXXX Phone No XXXX. Also the Finance Company that did not investigate this vehicle before financing it called XXXX XXXX  located at XXXX XXXX   XXXX XXXX XXXX  XXXX, Ca.Zip XXXX also XXXX XXXX  XXXX XXXX, Ca. XXXX phone nos XXXX and XXXX  and last the Law office that is trying to still re coup the $, XXXX from the lemon XXXX that the XXXX police illegaly towed after it completely stopped running called XXXX XXXX XXXX  XXXX  XXXX. XXXX , XXXX Located at XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  Az XXXX  Tel no. XXXX Letter from them dated XX/XX/XXXX. Their letter to me states: Please be advised that this law firm represents XXXX  XXXX. Our  client has acquired the outstanding indebtness that was origionally owed to XXXX  XXXX. Others may have owned the outstanding indebtness before our client acquired it. The following claim related to a XXXX    XXXX XXXX  with Vehicle Identification Number XXXX  has been placed with our firm for collection The original acct is #XXXX for the ampunt of $ XXXX  which consists of $XXXX and intrest in the amount of $#XXXX Intrest is accuring on the $XXXX FromXX/XX/XXXXper annum until paid etc. My complaint is that after I was suckered into buying the XXXX after I put down XXXX of my own va XXXX money the car stopped running within 2 months and where it had stopped running on XXXX  in XXXX  nv the XXXX police gave me three minutes to get the car started and off the street or they would have it towed . well they did just that . This happened around XX/XX/XXXXor XX/XX/XXXXwhen I purchased that lemnon. Nevada don't have any lemon laws so I am stuck with this bill which has really damaged my credit score to a XXXX  on all three credit breaus . I cant even get a new car without putting down a huge down payment which I don't have and I need a new or a very descent vehicle to get me and my wife to our appointments etc. I respectfuly request that this be investigated and this negative credit information be removed from all three credit breaus in addition to swift justice being served to XXXX XXXX  XXXX XXXX  XXXX for selling me this piece of junk . XXXX XXXX file no is XXXX. Thank you for assisting me in this matter. Sincerely . XXXX 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 2019-08-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
Many times I have tried lowering my payments and the only way to do so is getting on a forbearance payment plan. The last one I was on ended abruptly with no calls or emails informing me of the changes to my account in XX/XX/XXXX. I started a new ‘payment plan’ (forbearance) that would lower my payments to $XXXX a month, but the very first auto debit they took $XXXX! I called and the woman on the phone said “I have no idea why they took so much” and never found out why. The best she could do for me was putting in a “refund request” for the difference with no promise of refund, and no proposed timeline. Now I’m out all of that money and unable to pay other bills NOT because of my inability to budget but because of a computer error in Sallie Mae’s system that allowed them to just TAKE my money. I have since cancelled auto debit and will now only pay them the agreed upon amount on the agreed upon date.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: NY

Complaint narrative:
XXXX XXXX notified me that XXXX XXXX XXXX added "Remarks" impacting my credit score on my credit report. Remarks were added around XX/XX/2019. I contacted XXXX XXXX XXXX and they confirmed that there were no issues with my account, and there should not be "Remarks" that hurt my credit score. My account with XXXX XXXX XXXX is in Perfect Standing. They told me to dispute these remarks. I submitted a dispute over XXXX XXXX for the remarks on my XXXX report. Shortly after they had corrected the issue as follows "Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Dispute resolved; reported by grantor - meets FCRA requirements"They did not take any points off my credit score. On Equifax report the remarks were marked as follows: Between XX/XX/XXXX and XX/XX/XXXX the following remark was added to this account: Account previously in dispute - Now resolved by data furnisher. Impacting my score. I submitted a dispute with Equifax and spoke to representatives about this issue, and was told that it would be corrected. However, after disputing I received an update that the dispute was closed and they would NOT change remarks.  On XX/XX/XXXX I noticed my Equifax score dropped 5 points due to these same remarks. They kept remarks as follows: "Consumer disputes after resolution"XXXX XXXX XXXX confirmed there were no issues and that this was a mistake. XXXX immediately resolved the issue as it "Meets FCRA Requirements". Despite this Equifax continues to keep this on my account, lowering my credit score, and rejecting disputes. I need help dealing with Equifax to get this off as this is a complete error. Attached are copies of my latest XX/XX/XXXX and Equifax reports, so you can see the difference for yourself. Highlighted the remarks section.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I was going to file bankruptcy but missed my hearing and was eventually dismissed therefore not in effect XXXX case number bankruptcy reported XX/XX/2018 name XXXX XXXX but it still reports on my credit as if i had completed the bankruptcy

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 2019-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex offered me a Blue card after XXXX replaced Amex with VISA.  I said yes.  Amex sent me 3 different credit cards (from XXXX XXXX, FL I think) that had fraudulent charges in XXXX  Florida for video games and kids stuff.  I am XXXX years old.  I live in XXXX, FL.  Finally, I told Amex to just cancel all my cards with them.  The hold times and transfers between departments and an inability to follow through on the part of Amex has led to many wasted hours on the telephone over this past year.  Finally, Amex did agree that the charges were fraudulent.  It took Amex many months to correct my bill.  By the time they cleared my account with the fraud department the account had accumulated late fees and interest charges.  I believe the original fraud event was XX/XX/2018 for $XXXX.  So while this has been cleared I cannot get anyone at Amex to understand that the remaining bill is interest and late fees.... on charges that were never mine to begin with.  Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
First,my escrow payment increased $XXXX and the mortgage lender "Mr. Cooper" is unable to accurately provide the details of the increase due to the transfer of two service providers in the same year. Its quite possible that amounts/payments/ transfer information may have been lost with the transfer of service providers.Secondly, Mr. Cooper hasn't paid my semi annual tax bill that was due in XX/XX/XXXX/XX/XX/XXXX and is unable to explain why?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Account number XXXX XXXXCase# XXXXOn the date of XX/XX/2019, a laptop from the manufacturer XXXX, was purchased from XXXX. The purchase was in the amount of $XXXX. The laptop received was completely inoperable. It would not turn on in anyway. Multiple attempts were made to receive return merchandise authorization from XXXX. XXXX's has a 30 day return policy for their items. I put in within the allowed time frame and the seller "XXXX", did not respond. I messaged them multiple times asking them to send a prepaid return label as this is their policy. I brought this item to a local repair shop and they were unable to do anything to help fix this problem and was told to continue to attempt to return the merchandise to the seller. All items requested by Capital One including, my personal opinion, copy of receipt, and copy of a 3rd party opinion explaining that the product could not be fixed by any means, was included in the documentation that was sent to Capital One. We have made all attempt to try to return the merchandise which were clearly ignored by the seller. All information requested by Capital One was provided and Capital One Bank still declined my dispute.Please help resolve this problem on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I signed up for the TD Beyond Checking account with TD Bank. The account stipulated that as long as I receive at least $XXXX in direct deposits within the first 60 days of account opening, I will receive a $XXXX   promotional bonus. I opened the account on XX/XX/2019. Within the first month, on XX/XX/2019, $XXXX was deposited into my account from the University of XXXX, which deposits through direct deposits electronically. On XX/XX/2019, $XXXX were deposited by the University of XXXX   through Direct Deposit (says EDI payments on statement). I have qualified for the promotion based on the conditions alone, and have kept my account in good standing during the entire qualifying period. The funds were supposed to have been deposited a maximum 95 days after the qualifying period. However, it has been more than 150 days. TD bank also denies those two payments by the University of XXXX were direct deposits, citing EDI payments as different from direct deposits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Medical Management, Inc.
State: PA

Complaint narrative:
I have noticed a particular phone number show on my caller ID many times over many months.  Due to the societal issue of robocalls and spam I rarely even answer the phone any more.  Today I was feeling in a particular mood to try to call one of these numbers back to see if I can get it to end.  I chose XXXX.  When I got a person I reluctantly confirmed my phone number and name.  The woman on the other end XXXX?  asked me to confirm another household member's DOB.  I told her I was not going to do that. She told me she couldn't tell me why they were calling and I was going to continue to get phone calls.  I said I was not going to confirm information on a household member without knowing why I was doing so and she said "DROP THE ATTITUDE.  You speak to me the way I'm speaking at you or I'm going to hang up and you're going to have to talk to someone else."  I was astounded and this made me more angry.  She asked "Are you going to calm down and talk to me nicely or are you going to hang up?"  Needless to say I hung up and called back and spoke to someone who was actually helpful, XXXX.  XXXX told me that I was calling a collection agency and I was getting calls about a medical bill.  But when he looked into the file, he noticed that there was a XXXX balance, it was paid in XX/XX/XXXX (It is presentlyXX/XX/XXXX!).  He apologized and said he would remove my number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I started receiving phone calls from my relatives onXX/XX/19 in regards to a debt owed. I had no recollection of the debt it was in regards to. PCR (Pioneer Credit Recovery) has contacted over 10 family and friends in regards to a debt I’m unaware of. Today, XX/XX/19 I received a call at XXXX at my job in regards to student loan debt that I have disputed the amount and received no additional information after the dispute. The guy that called my relatives and employer is XXXX XXXX. The number he called from was (XXXX) XXXX. I advised him to cease and desist calling my job and relatives and friends, as well as myself. I advised him to please email or mail me all correspondence in regards to this matter. The associate stated they’d continue to call my job and me because they work for the government and they have that right. Also, he advised me that my wages would be garnished. I couldn’t continue with the conversation due to being at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
My loan began with service by Sallie Mae. Later the loan was sold to XX/XX/XXXX and again later to Navient. The loan was taken out on XX/XX/XXXX. I began paying on the loan after graduation in XX/XX/XXXX. I have been paying on the loan for eleven years and the balance seems to not be going anywhere. The main issues is that in XX/XX/XXXX, I asked Navient for a history of the declining balance. What they provided me did not show payments I had made from XX/XX/XXXX - XX/XX/XXXX as credited to the balance history. This is more then $6,000 in payments. After noticing this, I worked with my bank to obtain proof of these payments. I called Navient and told them of the issue and faxed the cancelled checks to them. Navient sent me an email response stating that since the payments that are not showing on the loan history was when the loan was serviced through XX/XX/XXXX that I would need to contact XX/XX/XXXX. I tried to find contact information fromXX/XX/XXXX. Since my loan was sold to Navient, I no longer had access to my XX/XX/XXXX account online. The website has no phone number or way to reach XX/XX/XXXX. I finally found a phone number for what I thought was XX/XX/XXXX to find it was out of service. I believe there are other payments from earlier in the loan that were not applied to the balance but my bank is unable to go that far back for records. For now, I ask for your help in moving forward with what proof I have of payments to find a resolution to this problem. Any help you can provide for me would be more than appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
The auto loan account was paid in full in or around XX/XX/2019.  With this a payment in full was dispatched from the dealer to Bank of America and received by them on or around XX/XX/2019.  

Bank of America is indicating the payment in full was received approximately 10-12 after the 30 day grace period.  While it did take longer than expected to process the payment in full, I fully communicated the matter with Bank of America and in fact contacted the Auto Loans Department every other day or so for more than 2 weeks (6-8 separate times) to check on the status of the payment and loan.   Exact dates and times of calls can be provided.  During these same calls, I asked about the potential the account would be late more than 30 days.  During each discussion, I was assured by each individual I spoke with the account was marked and noted as a final payment being processed from dealership and provided the dealership information to at least 2 of the Bank of America Representatives.

OnXX/XX/2019 I received a notice from XXXX XXXX and XXXX (through my credit monitoring service with each) that my credit report has been changed.  Upon logging in, I learned Bank of America reported the account as paid in full, but with a footnote as the final in full payment being late.  

Subsequently, I have repeatedly, no less than 12-14 different times, contacted Bank of America. Thus far, I have heard several variations of when the final payment was received and that the account should not have been reported as late given the final payment and repeated notifications.  This is confusing as a consumer.   On XX/XX/2019 I also received the attached letter and refund from Bank of America indicating the account was paid in full, in good standing, and a check for the difference between amount owed versus final in full payment.

Finally spoke to XXXX  in the DFS CEU onXX/XX/2019 who informed me the account was actually paid in full few days late (10-12 days depending on which date Bank of America recorded the final payment versus date received) and thus there is nothing he can do.

This is an outrage.  Bank of America received the payment in ample time to payoff the loan within any reasonable time parameter.  Given the amount of communications, assurances from multiple Auto Loan and Collections Service Reps, all of which are fully recorded and available to listen to, and the account track record, I take exception with Bank of America recorded this one late payment, especially given the account was paid in full, on my credit records.

I have also opened disputes with the 3 credit reporting agencies.  I will continue to dispute this matter until corrected.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Credit Mount
State: NJ

Complaint narrative:
In XX/XX/2018, I entered into a contract with a company called Credit Mount to help repair my credit and increase my score. In the end what they did was damage my credit even more to the point of sending out fraudulent letter stating I am dispute the validity of all my accounts. This caused fraud alerts on everyone of my open accounts and also caused one account to be closed. 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts. 

I contacted a legal service who stated that it is illegal for a company to obtain a fee for credit services in the state of New York, prior to the services being completed. I paid them a total of {$1200.00}. I have requested a refund and the legal service has as well and they have ignored all requests. 

I believe that, Credit Mount has violated 15 U.S. Code 1679b.  Prohibited practices, and I am looking for action to be taken against them. They have caused irreparable damage to my credit and I also want a FULL refund!! 

I have emails from a rep from them stating that they would fix everything and even the manager who said that this never should of happened and that he would fix it as well and then continued to send out these fraudulent letters claiming I was disputing all my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: BB&T CORPORATION
State: UT

Complaint narrative:
Regional Acceptance #XXXX was included in my bankruptcy. However they are currently updating and showing a balance and this is negatively effecting my credit. It should not be updating and reporting lates when it was included in the bankruptcy.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019 XXXX XXXX did a credit check on my account. I did not nor have I reqjuested credit from any company. As a result of their inquiry, my credit score dropped from XXXX to XXXX. I have gone from low good to fair. I feel this is totally unfair to drop my score because they want to have another client. I get solicitations for credit cards almost every day of the week. I have received 2 refusal letters for credit from XXXX XXXX probably because of my lowered score. I intend to pay off the one collection that I have, and would like to know that my score has gone up. Thank you for your time and consideration of this request.

Company response to consumer: Closed with explanation