vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Millennial Home Lending, Inc
State: VA

Complaint narrative:
I received an unsolicited letter that both envelope and letter were made to look as if it were a letter from the VA. No rate disclosure was attached. The phone number header stated : " VA Loan Service Center '', The letter heading stated : " VA Benefits Department ''. The letter also made mention of " tax Free '' options.

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 2020-01-10 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: NJ

Complaint narrative:
A lot of the accounts created like XXXX  XXXX XXXX isnt mine. Reissue all my lonely in a prepaid bank card and send it to 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 2020-01-10 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP
State: CT

Complaint narrative:
On multiple times keybank has charged us overdrafts that arent valid. 4x a week at XXXX I want this investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-10 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: CITIBANK, N.A.
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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 2020-01-10 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: STATE FARM BANK, FSB
State: GA

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Dynamic Recovery Solutions, LLC
State: OH

Complaint narrative:
This company keeps calling and harassing me. I have absolutely no valid outstanding debt ( s ) within the past seven ( 7 ) years that has not been paid or disputed and deleted on my credit profile ( s ). When this company calls, they are rude, will not advise why they're calling or who they represent. I ask that this company seize all communication attempts to me. They have called me six ( 6 ) times in the past 30 days and they have no valid reason to be contacting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Four credit cards were closed recently which greatly affected my score, and I did not close them personally. In XX/XX/XXXX, XXXX with XXXX XXXX  closed my account ( " canceled by grantor '' ) since it was going out of business ; affected my score slightly, no big deal. On XXXX XXXX, XXXX, XXXX XXXX/XXXX closed my credit card because the store was also going out of business ( " canceled by credit grantor '' ). Yet, it still affected my credit score and it dropped again. Next, my XXXX XXXX XXXX XXXX credit card was closed in XX/XX/XXXX due to " inactive account. '' Score dropped again. Finally, My XXXX XXXX XXXX XXXX closed my account on XX/XX/XXXX " due to inactivity '' and my scored dropped SIGNIFICANTLY again. I worked my way to an EXCELLENT credit score for a long time now, and now it's in the 600 's and only " FAIR. '' I was in the 800 's and EXCELLENT for a long time. I inadvertently opened a credit card in XX/XX/XXXX when attempting to buy a pricey item, but we changed our minds. Now I have this open credit card I don't want nor need, but can not close it because I know my score will drop again! This is ridiculous and outrageous. The companies did NOT reach out to me about keeping my card active ; I had no idea they could be closed without my consent and have it affect my score because of it. Had I known that, I would have eventually closed them out over a longer period of time and/or used them sporadically so they were not inactive. This needs to be fixed. I am saving to buy a house and am appalled my credit is deemed " fair '' and in the 600 's when I worked hard to get it where it was. Please fix this and I'd be more than happy to assist in anything I need to do on my end. 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 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citibank lied to me about the reason for contacting me. They told me that they were not attempting to collect a debt and then tried to get personal information from me. Afterwards they told me they were in fact attempting to collect a past due amount on my credit card. After being transfered to an escalation department they informed me that this was common practice in attempting to collect debts and that lying about who they are to customers is their job so that they can be effective in collecting past due accounts.

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 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
I am XXXX and need a credit card for emergency situations. Discover Card has continually reduced my credit limit from a maximum of {$15000.00} ten years ago to {$500.00} recently. My credit score has remained fair to good. recently it was XXXX. I have 100 % payments on time. I have had this card since XX/XX/1989, one of my longest. I used to use the card frequently, but since it has been gradually reduced to a {$500.00} limit, It is not useful for any travel or car rentals. Hardly anything except for small purchases, and it is not my go to card, primarily due to the low limit. I have a XXXX  XXXX XXXX Visa XXXX with a limit of {$25000.00}. I have several other cards as well. So in the past couple of years, I have it as a backup, and not used. Discover Bank is therefore not making any fees or interest on it. That is the real reason they canceled my card, for lack of use. If they can't make any money, they don't want me as a customer. So then they look at my credit report and analyze it for any possible reason to get rid of me. The Key Factors they used for this decision are vague and several or not correct. Furthermore, if I were younger or used the card more, they would not have done this action. It is not as though I really need this low limit card, but the way they have done this is unfair and discriminatory. I am claiming age and XXXX discrimination in this denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: CT

Complaint narrative:
true accord contacted me about money that I owed to XXXX XXXX bank they told me I could settle for XXXX I paid XXXX which I over paid by mistake. in am on disababity and I need that over payment back to me they said they would also take this off my credit report if I paid and would return my over payment back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX IA XXXX XXXX this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.

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 2020-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
On XX/XX/2019, I wired money ( {$25000.00} ) to XXXX XXXX XXXX XXXX out of the XXXX via their U.S. agent in Florida, XXXX XXXX, at Sun Trust Bank in XXXX, Florida. This scam artist stole the money. I filed a complaint with the local police, incident # XXXX, XXXX XXXX Police, of XXXX, Pennsylvania. The police issued a search want to Sun Trust to produce evidence of the crime. Sun Trust has failed to comply for two months. XXXX XXXX  was the origin of the wire.

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 2020-01-10 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: NY

Complaint narrative:
I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: DE

Complaint narrative:
New Rez waived the PMI now I want to know what the new payment will be. They need to do an escrow analysis and are delaying that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: TX

Complaint narrative:
Please be advised that our home payments increased to near triple of the monthly payments. Wife lost her job as she was XXXX   and could not work so we lost income. All the home in this newer community are for sale. We tried all options with the lender and were not able to get anywhere. We have a short sale package over the the lender and filed a complaint with midamerica to let them know their communication has been ZERO. The lender does NOT answer the phone they place you on hold over an hour and drop the call. We have tried to verify that the lender has all our short sale docs in review and we are not able to communicate with them. Over 3 weeks of calls and nothing at all. When a borrower is in distress we are in URGENT need to communicate about the status of our loan and the review of all options as a consumer. We need help to make sure the lender is contacted about getting this resolved NOW! as I am in a situation that is timely and needs attention right now. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: MD

Complaint narrative:
I have been receiving threatening calls from a customer service agent at Hunter Warfield. They guy will not give me his name. He purposely would state my name wrong after correcting him multiple times. I simply asked for him to cease and detest calling my and my family multiple times and I would like documentation in writing so I can pass along to my lawyer as I have mold and lead case in regard to this debt. The agent told me that he didnt care what I had and the he loves to talk to lawyers and demanded my lawyers information. I told him that I no longer feel comfortable speaking with him and I feel threatened by his tone. He told me that they already mailed out documentation I told him that I never received and if he could mail again? He stated that is not my problem that you are not receiving your mail. I asked him again what was his name and could I speak with his supervisor. He became hostile which forced me to hang up on him.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: NY

Complaint narrative:
I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not recognize this debt on my account at all. I have never received proper verification of the debt. I only recently discovered this remark on my account when I was trying to better my credit and learn about the system. There is no contact information that gets me to someone that can properly help me with this issue.

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 2020-01-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received from Southwest Credit Systems regarding my account being settled with XXXX. However, XXXX is still saying that I have a past due balance stating that I owe them when the account has been resolved. 

I have called both Southwest and XXXX in reference to the communication regarding the updating my account, and I was told that this would be updated in XXXX with XXXX, and to date they still have my account stating that I have a past due balance when the account has been settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: AL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-10 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
According to the website Experian.com, the account XXXX this account brings out it was opened on XX/XX/XXXX and thus in XX/XX/XXXX it says this was paid, yet for a collection account, and possibly terminated for default. 

This Creditor doesn't seem accurate and thus only leaves there old info ; U.S Depart of Edu/ XXXX/ XXXX PO BOX XXXX IOWA XXXX , IA XXXX Could this info be accurate, or an old collection sold to a different deferral student loan? And thus it states the balance amount is {$1200.00}, beginning in XX/XX/XXXX through XX/XX/XXXX, the red marking for late payments mad to this account.

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 2020-01-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: U.S. BANCORP
State: TN

Complaint narrative:
Hello. I have recently paid off a Joint US Bank 20 year loan for an RV originated XX/XX/2004 4.5 years early. The loan history is perfect on this account, never late or missed a payment. During the course of this loan I had a bankruptcy. The loan was reaffirmed and the account was never once compromised to this date. US Bank refuses to report this account to the Big 3 Reporting agencies because of the bankruptcy filing knowing full well the account was never compromised at any time. I have talked to everyone possible within US Bank trying to resolve this issue. I feel like I'm being discriminated against and being dealt with unfairly regarding this matter. All I want is the excellent payment history to be reported to the credit bureaus fairly. 

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 2020-01-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAM National Arbitration and Mediation
State: TX

Complaint narrative:
Person claiming to be from the National Mediation and arbitration from XXXX Georgia tried to collect an outstanding medical debt for an XXXX XXXX visit on XX/XX/2011 for the amount of {$440.00}. They said that I had to pay the amount of risk being sent to court by the end of the business day. That according to a new law that Trump passed, unless I took care of it today I would risk the amount affecting my taxes. When I asked for the account number or a copy of what was happening on paper they stressed that they couldn't do that and it had to be handled today. The only ref. number they gave me was XXXX. and a call back phone number of XXXX ext. XXXX. I spoke to two people a woman with the last name XXXX and a man named XXXX XXXX. 
I contacted my Insurance to cross reference the date and see if they had any medical claims with that date. They did not. The insurance contacted the hospital and the hospital also did not have any records of service on that date and also said that the " National mediation and arbitration " from XXXX Georgia was not a collection agency they use.

Company response to consumer: Untimely response