vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-24 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: FL

Complaint narrative:
There is a collection for a XXXX bill in collectors hands, pinnacle. This was one of my ex husband 's phones when he had his business. He had 4, 1 In my name., I gave ex his phone back and he allowed the bill to run up. Is NOT my debt, is ex husband 's. Along with EVERY closed / charged off credit card needs to be removed. Many car companies have ran my credit just because I viewed cars online, I NEVER gave them permission. I keep track, I KNOW I only have 3 hard inquiries FOR the last 2 years. Please make these abusive credit report companies STOP abusing their power. I'm alone on XXXX, I CAN'T afford to have this bad credit. There are other things on my reports I've never heard of. Please, PLEASE can you help me out??? I don't have any where else to turn. Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( 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 2018-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I applied for a " {$1.00} '' credit report with Experian ( my customer # is XXXX ). This required a monthly credit monitoring service which was adverstised as my being able to cancel it at any time. I called to cancel immediately. They have been billing my bank account monthly ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ) for {$29.00} since. They have offered to refund only one month 's worth 'as a courtesy '' as they have no record of the phone call- which I did make. I would like my other two months refunded as well- as I cancelled the same day I enrolled- but they refuse.

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 2018-03-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I pay my mortgage electronically I usually add an additional XXXX for principle payment every month. I paid and extra XXXX to principle in XX/XX/XXXX and noticed the payment wasn't applied correctly even though the system and payment method was abundantly clear when I submitted it online. I called to have to payment reallocated and asked them why it wasn't applied correctly they told me the system had a glitch and said since the payment was over a regular payment amount it just future pays instead. I let is go because I don't normally pay that much every month. I decided I wanted to try and start applying an extra XXXX every month I could so this month on XX/XX/XXXX I did that. The system once again applied it to future payments even though I clearly applied it correctly as stated in the correct fields in the online system. They are being deceptive in the practices for payments to hope that clients don't pay attention and they get more money towards interest verse the clients expectations on the principle balance they are trying to pay down on. I shouldn't have to call every time I pay extra and have them fix it. This is a shady company in my opinion. I want all my online payment to be applied correctly. The system states it can be applied up to XXXX so I'm not sure why it's not. When I call they say it's a glitch or I'm not applying it correctly and that is not the case. My email receipt reflects exactly how I applied it. But some how when I see how it was actually applied it's future posting and not being applied to principle. This is very deceptive. Please look into this and help find a resolution so every month when I apply my extra money to be rid of the shady company I'm not wasting my time calling every month to have my payments fixed which they hope people won't look so it's in their favor.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
I had took out a loan from Big Picture Loans for the amount of {$550.00}, agreeing that there would be a interest rate and a payback period. I was informed they would take out {$140.00} until the loan was paid off with their interest. I was unable to view the " truth-in-lending '' disclosure in detail until the funds were already in my account and that they would be charging my account 697.0857 % interest and I would not be able to pay off the loan until I paid back {$3100.00}. To date i have paid back {$1000.00} wit only {$31.00} taken off the principal balance. They claim they are an XXXX XXXX and are immune to federal US law. There is no way to pay off your balance in full and I fear that they will try and Refinance and cease to stop taking payments from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 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: FL

Complaint narrative:
Hello I have a fraud alert thats been on my credit with instructions to not allow anyone to pull my credit on the fact Ive been saving for a home. Ive seen a crazy influx of credit inquiries recently on my credit report. Ive gone through this before and now its happening again Almost all XXXX car inquiries how can they do this to me when i made sure that no one would be able to obtain credit in my name again or so I thought. How Can this happen and it looks like multiple credit app same company i want justice ... seems as few month they letting someone apply for credit and sad part we just we through this last year XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ALSO IVE REQUESTED THAT I HAVE THE AUTHORIZED USER ACCOUNTS REMOVED TO NO AVAIL IVE BEEN TERMINATED OFF THESE ACCTS XXXX {$4400.00}

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 2018-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
My TD bank in XXXX is blocking any cryptocurrency purchases. 

Previously, it would block any purchase from a website called XXXX. I would have to call in and have the website unblocked to make a purchase. Then the block would be immediately put back on. 

Now, they've gone a step further. Now they are saying it's not even getting to their banking system. And that they can't unblock it because its not even getting to them. The purchase on XXXX says " declined by your bank ''. 

The first representative i spoke with from TD bank on XX/XX/18 told me they have a new " blanket ban '' on all cryptocurrency. The manager i spoke to immediately after claimed they are not purposefully blocking anything. But after claiming that they don't know why it wasn't showing up, they made no effort to try to resolve the problem. You think a bank manager would want to know or solve a problem with a non-working purchase. It seems this would be a big problem or technical issue that their technology or security team would want to know about. But no help whatsoever. 

I would like to resolve this block or sue TD bank. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Hello I have recently been a victim of fraud. I hired a private contractor to fix my home and gave him on separate dates ( two checks ) in the quantity of {$20000.00} and {$10000.00}. Both checks were cashed by this individual and he never finished the job. While working with police investigators and others, it was noticed that neither checka were ever endorsed by the bank that released the funds. I need Wells Fargo to look into this and to also make themselves responsible for my money.

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 2018-03-24 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Have tried to access my FREE ANNUAL CREDIT REPORTS at https :  //www.annualcreditreport.com/XXXX  experian will not let me get my report says I have to call a phone number. 

XXXX will not let me get my report says I have to contact them .also went to XXXX direct and the VERIFICATION QUESTIONS are about accounts opened that I have never opened so of course I am mot going to be able to answer them correctly.They say contact them directly XXXX provided my report no problem. 

This is stupid that I can never get my credit reports from XXXX or Experian. 

They need to be fined for every free annual credit report they do not give .In this day and age it takes 10 seconds or less to access a data base and provide whats in that data base about my credit report yet can not get it because their computer come up with bogus questions.

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 2018-03-24 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: Navient Solutions, LLC.
State: SC

Complaint narrative:
I was short on student loan money years ago and signed with the former XXXX XXXX ... I still have the documents that I signed and co signed with my mother who passed away. When my mom passed I started reviewing finances, and discovered that I had well over paid XXXX, yet they continue to harass and even called my new job. They say something about interest each time I call to work something out, they begin to argue and threaten. I even have my bank statements where they were paid in full. This company is complete fraud. They will try to destroy your life no matter how much you pay them, they continue to try to destroy your credit. I have all the bank statements and original loan information that I signed. Both are very private documents, but I will be happy to forward them over with trust. I signed the document on XX/XX/XXXX for a XXXX loan with XXXX XXXX, which is now XXXX. I had a interest rate of 14.250. I began paying on this loan in XXXX and my bank account can only go back 7 years, but I have been paying them for 10 years. My credit report states that I borrowed {$4000.00}, and I have paid the company {$9000.00} or more, I was told to stop payment in XX/XX/XXXX because the balance was still over {$6000.00} dollars. The company continues to tell me that I owe them, they have went against my perfect credit, they literally harass my family and my job. They refuse to send me documents explaining where and how I owe this so called interest. They have been paid 100 % percent interest and more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: MN

Complaint narrative:
I have not requested a credit card since XXXX and I have never tried to get a credit card from XXXX ; XXXX ; XXXXXXXX XXXX ; XXXX XXXXXXXX XXXX ; XXXX but they are on my credit report with multiple dates of request. 

Also, there are multiple dates in XXXX where XXXX, XXXX, and Experian did credit checks on me. For what I have no idea because I have not attempted or made any purchases that would require this type of check.

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 2018-03-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been 3 weeks.

The credit bureaus are telling me to contact Capital ONe, Capital ONe is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with XXXX  showed that on XX/XX/2018 Capital ONe did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
Capital One has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I received a bill from XXXX but I have not used XXXX in at least 15 years, I have not even been on their site yet I received a bill for {$49.00} with no explanation. Obviously a scam. There are hundreds of complaints regarding Convergent/XXXX on " XXXX '' and other consumer sites where XXXX is using the same identical scam.

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 2018-03-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian and XXXX are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet Experian and XXXX has yet to removed from my credit files.

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 2018-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC

Complaint narrative:
I have had a business checking account with First Citizens Bank for only a little over 2 months and since opening I have been penalized with overdraft fee a total of 59 times for the amount of {$2100.00}. The reason for this is that it seems that when processing occurs at the end of each business day any and all debits are processed before and credits no matter what time the credits or debits were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I just received a collection letter from RPM Receivables Performance Management LLC. dated as XX/XX/2018 demanding a Payment of {$570.00}. 
I don't know where this debt is coming from then for I will formally dispute it. 
I want to ask the CFPB in my behalf to request this debt collector XXXX to cease and desist any collections efforts because the fact I don't owe nothing to XXXX. ( Since Now I know I will file an complaint against them with the FCC for doing this, using different debt collectors to pursue an amount that I don't owe them Since I believe there is another debt Collector its name is XXXX XXXX I opened a complaint against them CFPB # XXXX ( also trying to pursue the same alleged debt ) checking in the CFPB system this company XXXX XXXX   return the complaint at least twice to the CFPB stating " The company responded that they are not the appropriate company to address your issue.The CFPB will review your complaint to see if we can determine the appropriate company. We will contact you if we need more information '' I'm attaching the other debt collector copy of the letter I received after I filed against them and now they are denying to the CFPB they are the ones did the harassment phone calls well with this letter it shows they tried to avoid to respond my complaint to the CFPB.Clearly this company is violating my consumer rights under the FCPA

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 2018-03-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I sent a dispute to TransUnion for a collection account that is being reported by XXXXXXXX XXXX XXXX ( XXXX ). The dispute was sent via certified mail on XX/XX/XXXX. To date, TransUnion has not addressed the dispute. I recently sent the attached letter advising that they have exceeded the 30 days allowed. I received the attached letter stating that they were unable to determine the nature or my request or the request was illegible. I am requesting an immediate removal of the account reported by XXXX XXXX XXXX as TransUnion has failed to comply with my original request. I have attached a copy of the certified mail receipt, a print of my report showing XXXX listed, the 2nd letter mailed after 30 days, the letter received by TransUnion and a screen print from TransUnions website which shows that the dispute was received. If TransUnion was unable to determine the nature of my original request or if it was illegible, the letter that was sent on XX/XX/XXXX should have been sent within the 30 days.

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 2018-03-25 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: FL

Complaint narrative:
XXXX and Transunion are reporting inaccurate information on my credit report from XXXX XXXX, account number XXXX. I have not only requested for the obsolete account to be remove but I have also requested on several occasions for both credit bureaus to provide me the format in which they disputed and who verified the information from XXXX XXXXXXXX as I know this information is inaccurate as well as they are reporting incorrect payment history, This account has been closed for several years and is eligible for deletion but yet XXXX and Transunion has yet to removed from my credit files.

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 2018-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have a dispute with the credit bureaus, all 3 have reported my score dropping 33 points between XX/XX/2018 and XX/XX/2018 when I checked it. 
Not one of them could tell me the event that caused it. Have yet to hear back from them and it has already been XXXX weeks. 
The credit bureaus are telling me to contact XXXX XXXX, XXXX XXXX is saying it is the credit bureaus fault and in the meantime I am not getting any answers from either one. 

My credit report with Transunion showed that on XX/XX/2018 XXXX XXXX did a credit inquiry without my consent or knowledge. Subsequently the very next day they closed my account without my consent or knowledge. They have since reopened it sometime later to cover up their mistake. This is the only event that could have caused my credit score to drop. 
XXXX XXXX has denied doing this and suspiciously right after I filed the initial dispute on XX/XX/XXXX, all of a sudden I can not view this information on my credit report any more.

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