vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-28 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: AR

Complaint narrative:
My complaint is against the credit agencies, XXXX and Transunion. I have attempted on several occasions disputing an account on my credit reports that is reporting inaccurately. According to the Fair credit reporting act any debt collector that is reporting anything on my credit report has to be reporting 100 % accurately. Secondly, XXXX XXXX XXXX failed to provide me with proper verification of the account, per section 611 5a of the FCRA any accounts that can not be verified within 30 days should be deleted. I have also reached out to XXXX XXXX XXXX and they failed to provide me with an accurate validation of the account. I am entitled by law to obtain the following from the collector before I'm obligated to pay them anything. 1. Identity of the original creditor. 2. A complete payment history. 3. Documentation that any collection fees were added pursuant to the original lending agreement. 4. A copy of the original agreement between myself and the original creditor which clearly delineates my acceptance to contract and financial obligation to them. 5. A copy the agreement between you and the original creditor showing you are legally the owner of the debt, have received a proper assignment, and lawfully entitled to collect monies on this account. 6. A verification or copy of any judgment, if applicable. 7. Proof that the Statute of Limitations has not expired on this account. 8. Proof that you are licensed to collect in my state. They are in full violation of the fair debt collection practices act including but not limited to section 807-8 and section 623-b. I have checked with the Arkansas State Board of Collection Agencies and XXXX XXXX XXXX is not licensed to collect debt in Arkansas.

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 2018-02-28 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: Creditors Specialty Service Inc
State: ID

Complaint narrative:
Creditors Speciality Service Inc sent me a document saying I owed {$100.00} because of XXXX at  XXXX XXXX XXXX in XXXX, Idaho. We paid the amount XX/XX/2015 and thought this issue was resolved. I recently pulled my credit report and noticed that I am still in collections with XXXX XXXX XXXX. How do I resolve this issue?

Company response to consumer: Untimely response
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXc XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2007, I purchased a Certificate of Deposit from XXXX XXXX XXXX XXXX XXXX located in XXXX, Florida XXXX. The Account # is XXXX. The Amount is {$10000.00} Interest 4.780 for a term of 7 months. ( copy attached ) also have the Deposit ticket for {$10000.00} ( copy attached ). 
While going thru my safe recently I found these items in the back of the safe. 
XXXX XXXX has been taken over by PNC. I went to PNC about two weeks ago and was told that they have NO record of this CD. I would like to cash the CD. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN

Complaint narrative:
On XX/XX/XXXX was served with summons dated XX/XX/XXXX to General Sessions Court in XXXX county, TN for lawsuit for past due XXXX credit card balance. The court date was XX/XX/XXXX. I spoke with their office in XX/XX/XXXX before the court date and explained I knew about the debt, my situation/ or the reason I had not made any payments since XXXX that I was unemployed, lived in a rural area with no access to public transportaion and a car that needed an engine replaced. I told them I did not have the money to pay them and would pay when I could. When I asked for a continuance to have time to prepare for court, they would not allow me to obtain a continuance, they told me I would only lose and they only wanted a judgement and that it would last ten years. Since I only had five days to prepare, I was unable to arrange transportation and consequently did not appear in court. They got a judgement for {$1100.00}. the credit card balance was {$600.00} max and late fees that totaled the {$1100.00}. The attorney representing them is Finkelstein, Kern, Steinberg , & Cunnigham, debt collection firm. On XX/XX/XXXX I received a notice from their firm stating they were forwarding a certified copy of the judgement for the case to the register of deeds to place a lien against my primary place of residence. The document does not state the balance of the debt for the lien. I have never had a lien and was concerned about the amount of money they required. Because the letter did not state the total amount to satisfy the debt/judgemnt I proceeded to check the court records to confirm the amount and also contact the law firm about the matter. I told them I wanted to set up payments and spoke with XXXX who proceeded to firmly ask me questions about whether I had a mortgage or not. I asked hiim to explain their policy for setting up payments but he kept trying to ask more questions about my house. I am a senior citizen receiving public assistance. I told him my cell phone is a goverment issued life line phone with 300 minutes a month, because he wanted to call me on my cell phone. He proceeded to try to explain the process to make payments but never really did, and was indignant because I would not answer his questions about my situation. I told him I had been unemployed for ten years and was receiving SSA when I set up the credit card account. I told him I no longer received those benefits and that was why the payments were late. He was rude and hung up the phone before answering my concern about how to set up payments. XXXX XXXX I don't know if anything illegal happened but do question why the law firm did not reflect the balance owed for the lien on the mail piece I received on XX/XX/XXXX It was very intimidating and the phone conversation was intimidating as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Niagara Restitution Service Inc
State: TX

Complaint narrative:
I got a payday loan with XXXX XXXX XXXX back in XXXX or XXXX of 2016 - I could not make my payments due to me losing my job. Well, recently they started calling my 6 month XXXX  sister ( XXXX at XXXX XXXX ) and telling her she was going to press charges against me for some " bad checks ''. ( I have never written a bad check ). I had numerous numbers call me ( # 1. XXXX - called 9 times today- ( # 2. XXXX - called twice today ( # 3XXXX - Called me 6 times yesterday ( 4. XXXX - called twice yesterday ( # 4XXXX - called 3 times yesterday ) I called XXXX and spoke to her and besides the fact that the was very rude, she tells me I have a balance due and I have to pay something on it today, if not my paperwork will be sent in for " civil proceedings '' and I would go to jail, all while my children were in the car listening to this conversation ( which is why I tried to explain to her what the situation was ). I did explain to her that the reason I had not paid it was bc I lost my job that time and could not pay anything. I now have medical bills arising for something I was diagnosed with last month and I can not pay the balance and she refused that I I told her I can make a payment on Friday and she said I have to pay today. She said to find someone who will let me borrow the money, so I told her I would call her back so I can speak to someone who would lend me the money - She got upset and said that that was the problem, that I needed to pay then. I told her I would need to let my boyfriend know what was going on and she hung up on me. I ended up calling my boyfriend ( who is a XXXX XXXXXXXX in town ) and he told me not to verify or give any bank/card information. So, I call XXXX back and tell her I had just spoke to my boyfriend, who is a XXXX XXXXXXXX, and he told me not to give out any personal information until I knew who these people were and before I could get another word out, she said she did not care if who he was and right when I was going to say something, she hung up on me ( she said hanging up was noted as " refusal '' ). 
I'm at a standstill because I don't want to go to jail for a payday loan and I can't get anything done with these people

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Dear consumer Finance, My name is XXXX XXXX XXXX I recently, obtained a copy of my TransUnion Credit Report for 2018. I notice on my credit report that, XXXX / XXXX had stated that, the court house verified my bankruptcy at the court house. So, I wrote to the court house to confirm the information about the " verification '' made by XXXX / XXXX statement on my Trans Union Report., See attached Documents A week later, I received a letter responding back to me saying this -- " Please be advised that the U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers ' credit files ''.

The letter, also went on to say -- " As indicated on the Court 's website, the Court receives many telephone calls about bankruptcies unfairly appearing on consumer credit reports. The Court does not report bankruptcies to the credit bureaus and does not get involved in disputes regarding credit reports. The Fair Credit Reporting Act ( 15 U.S.C. 1681 ) is the law that controls credit reporting. '' I then sent a certified letter to ALL the credit reporting bureaus, XXXX XXXX, XXXX and XXXX a copy of the letter from the court house to show them  the evidence -- that the courts, do not verify information for credit reporting companies. 

I asked the each credit bureau to " remove the information - that is untrue " they are reporting on my social security number. I also so told them -- by law the Federal Law they are in violation of the Fair Credit Reporting Act - Section 623 ( a ) ( 3 ).

I have written to asked them to remove the fraudulently information from ALL my Credit Reports.

Please assist me in correcting the information on ALL my credit reports, XXXX XXXX, XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX XXXX, See Attached documents.

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 2018-02-28 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: CA

Complaint narrative:
I disputed an collection account on Experian report and Experian just updated and didnt even investigate the outcome. I asked for proof of contract and never received it. I uploaded a letter into Experian on XX/XX/XXXX18 asking for verication of debt or contract and all Experian did was update my credit report stating the collection agency verified. The collection has yet to send me any contracts or proof of the debt. 
SECTION 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify. I don't believe this account was verified with them. 
I'm enclosing the letter that was sent to Experian. 
XXXX  and XXXX has DELETED 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 2018-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
We are still waiting for the reimbursement of the two ( 2 ) {$30.00} fees and an {$18.00} fee which Freedom Mortgage charged on our loan, enriching themselves by charging us both on the statement account AND they also charged our escrow account when we recently refinanced our home at XXXX XXXX   XXXX XXXX XXXX, CA XXXX on XX/XX/2018. 

In other words, they charged three ( 3 ) SEPARATE {$30.00} FEES, TWO ON THE STATEMENT ACCOUNT AND A THIRD ON THE ESCROW ACCOUNT. They also charged two ( 2 ) separate Recording fees, once thru our escrow and another directly on our Freedom Mortgage statement. We will no longer be doing business with Freedom Mortgage and their double and triple billing only reinforced our decision to leave that company..

IN ADDITION, Freedom Mortgage charged a late fee of {$100.00}, WHY??? We were never late, how dare they take a {$100.00} fee for a non-existent late payment? AND they failed to notify our escrow company, XXXX that there was no late payment, therefore, no late fee of {$100.00} applied. They have billed the {$100.00} thru our escrow account and directly thru our Freedom statement also.

And finally, Freedom Mortgage charged us {$170.00} in ESCROW, WHY? We do not have an escrow account with them. And if they did take close to {$180.00} in ESCROW, where did they apply it exactly? They did not apply it to our XXXX County Property Tax Bill, so what did they with the {$170.00}, and why did they take it in the first place when we do not have an escrow account for us. We pay the taxes directly to the XXXX County Tax Collector on our own. 

In short, Freedom Mortgage charged three ( 3 ) separate {$30.00} fees thru escrow and directly thru their statement. Freedom Mortgage also charged two ( 2 ) {$18.00} fees, one thru escrow and another directly thru their statement. They also charged two ( 2 ) {$100.00} late fees, one thru our escrow company and a second late fee thru the statement. WE WERE NEVER LATE, and yet, they charged two ( 2 ) separate late fees of {$100.00} each. In addition, a {$17000.00} payment to ESCROW BALANCE was taken, they it is not owed.

Freedom Mortgage enriched themselves with {$510.00} of our money and we want it reimbursed.

This is unethical, bordering on criminal behavior on part of Freedom Mortgage.

Thank you. 

XXXX XXXX XXXX and 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 2018-02-28 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: DE

Complaint narrative:
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  : XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
There are several hard inquiries on my credit file that significantly impact my score that I did not authorize. Here is a list of the inquiries and dates : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/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 XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2018-02-28 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: DE

Complaint narrative:
I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

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 2018-02-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Premier Student Loan Center
State: NJ

Complaint narrative:
primer student loan center took advantage of my vulnerabilities with my student debt and offered a false offer and took my credit card information and I am asking to send me proof of my cancellation but they have not responded. I want to make sure they don't charge me because within an hour of my submission to the agreement I cancelled as I read they are a scam. They offer payment of {$190.00} for 6 months then {$30.00} per month for 120 months and that your debt is forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
On or about XX/XX/18 I requested personal finance company XXXX mo to buy out another loan from another company I offered to put up ( 2 ) vehicles valued at over {$7500.00} for a {$5000.00} loan with collateral of these ( 2 ) vehicles their Area Manager only offered me {$1500.00} more and wanted both vehicles as collateral leading me to believe they should be investigated for shady business practices or deceptive loan practices every other loan company offered me the deal however I feel the Office Manager of XXXX has a personal vendetta against me my income wasnt an issue neither credit why are finance companies allowed to only offer {$2500.00} for {$7500.00} in collateral as a consumer I would ask for an answer?

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 2018-02-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On Wednesday XX/XX/2018 at around XXXX I got a text alert and an email from Citibank informing me about fraud attempt charges on my credit card ( one for {$100.00} and a second charge for {$480.00} ) made at a Credit Union . I contacted the Citibank fraud department through the phone and denied both charges since they were unknown to me. My credit card was cancelled at the moment and a new one was issued to prevent future fraud charges from the two existing ones. Both charges were dismissed from my old credit card with an email from Citibank stating As a Citi cardmember, youre also protected with {$0.00} liability on unauthorized charges, which means youre not responsible for charges you didnt authorize. However, even though the second charge for {$480.00} was dismissed from my old credit card, it still shows on my new credit card. Several attempts have been made to dispute this charge and they have been denied stating by the Citibank representative that is impossible for someone to misuse my credit card information without my consent and things such as card cloning and skimming are impossible and do not exist. The conversation was recorded by the representative on Monday XX/XX/2018 at XXXX. As of now, Citibank expects me to pay for a fraudulent charge I never did which I believe is unfair.

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 2018-02-28 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: DE

Complaint narrative:
I switched cell phone carriers from XXXX to XXXX. XXXX promised to pay off my XXXX cell phone bill, but they never paid the remaining amount, leaving an {$1100.00} balance on my credit file. I paid it down to {$200.00} because XXXX said they would delete it from my credit file, but they never did. Not only was I not responsible for the full amount, I paid it and still it remains on my credit. XXXX said they sent a XXXX XXXX with the balance but it got lost, and they said there is no way they will re send it. I was scammed.

Company response to consumer: Closed with explanation