vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-30 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: CA

Complaint narrative:
I faxed a letter to This company last XXXX of XXXX to dispute the following : XXXX/XXXX  , Opened Date XX/XX/XXXX, Balance {$1400.00} XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$0.00} XXXX  XXXX, Opened Date XX/XX/XXXX, Balance {$530.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1600.00} XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$550.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$360.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$2000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$5500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4400.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} XXXX/XXXX, Opened Date XX/XX/XXXX, Highest Balance {$900.00} XXXX/XXXX XXXX, Opened Date XX/XX/XXXX, Balance {$1100.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$4000.00} UNIVERSITY OF XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened Date XX/XX/XXXX, Highest Balance {$1500.00} XXXX XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Highest Balance {$1300.00} XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Highest Balance {$3500.00} As I write this letter, this incorrect/invalid accounts continues to damage my credit file and this company doesn't seem to have done anything from the XXXX of XXXX when my first correspondence was sent and received by them. This is a clear violation of FCRA. I am attaching a copy of the letter I sent them last XXXX of XXXX and a copy of the letter I sent them again, on XXXX XXXX. I do not believe that this items are supposed to be on my credit report at all. I am demanding a copy of the documents used for the verification, name and contact info of the person whom they've verified this account info. I will not tolerate their continued negligence and none compliance and I will seek legal assistance if necessary.

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 2018-10-30 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: FL

Complaint narrative:
XXXX refuse to remove the fraudulent accounts listed that do not belong to me. I have sent them a police report to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Since early XXXX, my wife and I tried numerously times to use our jointly owned checking account debit cards to make about {$4000.00} purchase at XXXX. When it was first declined due to a block, I called and was told, after verification, the block has been removed. So I went back to use the card and was surprised it was blocked again. Next time, I called ahead of time before heading to XXXX and I was told the purchase has been noted and it will go through. It was declined again. So I have to call and get it unblocked. This cycle went on for many many times and so far, I still can not use the card. Each and everytime I try to use it at XXXX or XXXX, I got declined due to temp block. I communicated numerously times with customer service. Each call take about 15 minutes. Was assured it would work but only to find out it is declined again when I try to use it. I think the bank is purposely holding my money without letting me have access to my money and that doesn't sound right. I demand an investigation.

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 2018-10-30 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I send the three letters to validate my information And they havent sent me any proof that shows that I owe that amount The first letter was sent on XX/XX/2018 XXXX XXXX  sent the letterThe second letter was sent on XX/XX/2018The third letter was sent on XX/XX/2018 to experian I send All the letters certified

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 2018-10-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
My house was foreclosed on a XX/XX/2018 and there was a bankruptcy filing that discharged the debt owed on the second mortgage in which XXXX XXXX is claiming. On multiple complaints I've requested for a simple letter from XXXX XXXX XXXX XXXX XXXX to relieve me of the debt that is no longer owed, but yet again it appears that they want to resell the discharged debt to another collector and creating more distressful life for us.

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 2018-10-30 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: Ditech Financial LLC
State: CA

Complaint narrative:
Over the past 6 months I have paid my mortgage early or on time and each month Ditech Financial LLC representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since Ditech could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from theXX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am renting an apt . in XXXX, NC XX/XX/XXXX and was trying to set up my XXXX XXXX Acct for electric but received a letter that they could not approve my service because there was a security freeze on Equifax and that is the only credit reporting service they use. I called Equifax to lift the freeze and was asked at least 10 questions including giving them all my personal information as well as credit card balances which of course I had to look up on line. The final shock was they wanted to know what date I set up the security freeze which I had no idea. I have had my credit frozen for years and lifted it any time I needed to. I know I placed a freeze with Equifax before their hack, as that was how my personal info. was compromised. I had no way to find out the date and Equifax refused to lift my security freeze thus I am unable to rent the apartment. This must be illegal and will cost me dearly financially.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I got the personal loan about {$1500.00} from XXXX and the interest rate was around 27 % or somewhere around. After few month there was an offer to get more loan on the top of it, which I accepted it, which was around {$1100.00} more, and later found they charging 97 % of intere, Im making payments since more than six month, {$100.00} every two weeks and my balance is still there, looks like Im not able to keep it continue due to this, they taking all my payments in interest, Im looking for to adjust my interest in to a legal limit, I called the customer service about two weeks ago and I have been told that, there is no negotiation on interest.

Total loan amount {$2700.00} Total interest {$5800.00} Total due {$8500.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I received via email an offer that regards opening a new HSBC checking with the incentives and conditions as indicated below : - Get a {$350.00} Welcome Deposit for eligible new customers who open a new HSBC Advance checking account with qualifying activities.

Limited time only.

Open your new HSBC Advance checking account online by XX/XX/2018 ; and Deposit a minimum Qualifying Balance of {$10000.00} or more in New Money in combined checking and savings accounts within 30 calendar days of account opening ; and Maintain at least the minimum Qualifying Balance for 90 calendar days from the date you deposited the minimum Qualifying Balance. 

On XX/XX/XXXX, application for Advance Checking account is approved. 

On around XX/XX/XXXX funds on the amount of XXXX are transfered to the new account and the amount of over 10,000 is maintained through XX/XX/2018. 

That is, the conditions required by HSBC in order to received the " Welcome Deposit '' were met in fact they are exceeded.

On several ocasions I called and chat with the customer service department, with continues without solving the problem. I am sure they can provide log information. 

However, in spite of many phone calls, chat messages and visiting the local branch of HSBC on XX/XX/2018, none of my complaints have worked and NO Welcome Deposit has materialized as promised.

This offer from this bank is either misleading or it is a scam and HSBC should be hold accountable of their actions ( or inactions ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: CHECK INTO CASH INC.
State: UT

Complaint narrative:
On XXXX XXXX I was contacted by check into cash advising that I had outstanding loan that had not been paid I advised that I did not have a loan and I am in the process of disputing the loan. I have retained an attorney who is representing me and I sent two certified letters to the company. I have proof they received both letters and they have continued to call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below on my student loan which i thought were already taken care of. 

XXXX / XX/XX/2017 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Over the past 6 months I have paid my mortgage early or on time and each month XXXX XXXX XXXX representatives have misapplied my payment to principal only. They than assess a late fee which I follow up with an on line chat or a phone call. Each month they have corrected the problem and reversed the late fee. 

Each month when I have communicated with them I have asked if there is something wrong with the remittance from my bank and have been told, " Not that they can see. '' When XXXX 's payment was misapplied I called and the person I spoke to told me that their system just did that sometimes. He suggested that I set up an auto-pay. I explained to him that since XXXX could not manage a simple payment application process correctly I was not inclined to open up my bank account to them and asked him to try to find a solution for them to receive and process my bank check properly. 

This past month they did neither and they also sent late pay information to credit agencies for myself and the joint owner. I paid the mortgage on XX/XX/18. It is visible in the on line history of my account. They again applied it to principal only. I sent a chat to have them fix it as I have done for many months on XXXX. I was less polite then normal and in response they have continued to charge me a late fee and have apparently sent incorrect information to the credit agencies about our on time payments. 

I have attached the records that are available to me on line so you can see the payment from the XX/XX/XXXX and the re-allocations before that to correct the same issue over and over again. I have also attached the record of my communications with them. Again over and over again. 

I have since them a registered letter and I am contacting your agency to see if there is anything you can do to help me resolve this issue. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXX GM Financial went through a system conversion, which extended until XX/XX/XXXX. My spouse and I were told that our cars would update with the credit bureaus within 45 days. 

The car has not been reported been reported accurately with the credit bureaus and because of the system update it has impacted me for 12 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Company and attorneys are leavin messages saying they are going to press charges in my name for fruad because they have made electric deposits into my bank accounts of XXXX each. I dont have any bank accounts that have any amounts like tbat and im trying to establish an account and in my name and im not able too. Please i dont know where to start or what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Diversified Consultant Account Settled For Less Than The Full Amount This Company Promised To Report And Remove It From All Credit Files But Its Still Showing Up On My XXXX Credit File

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought a game boosting service on XX/XX/2018, as I was in a hurry I want to be served on the same day. After I knew that I had to wait for about 1 week I tried to cancel it, but the only way to contact them is online chat and no one replies me by now. I disputed as soon as possible, but when I received the letter asking for more details, it had passed the deadline and I could not do anything about it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: AZ

Complaint narrative:
This collection has been reported on my credit report. This collection is not valid as I have never resided at XXXX XXXX XXXX XXXX XXXX. 

XXXX XXXX  XXXX XXXX XXXX XXXX reported a joint account opened XX/XX/XXXX for collections in the amount of {$3500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$3500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX reported a joint account opened XX/XX/XXXXXX/XX/XXXX for collections in the amount of {$1500.00}. Reported as NCC Business svcs inc. XXXX. 
XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX reported collections for the amount {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
Medical debt on my credit XXXX  credit report not responsible for ... .I explained repeatedly and two of the three bureaus removed the debt ... ..Do n't understand why they keep harassing me to pay it.It was an accidental injury while I was a patron in restaurant ... .Owner agreed to pay bill. XXXX XXXX owned establishment.

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 2018-10-31 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
I got behind on my payments which are due every two weeks because I started a new job. When I got established in the new job I set up a payment arrangement to pay every Friday ( pay day ) until I was caught up and I was keeping the arrangements. However, the company keeps calling me to collect and I tell them that I have a payment plan in place but the still call EVERY DAY. I have talked nicely with them and they keep saying that will notate the account and the calls will stop but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-31 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: FL

Complaint narrative:
**The defective five XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX for the return was delivered on Tuesday XX/XX/2018 at XXXXXXXX XXXX  and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 


**The three defective XXXX XXXX XXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX Tracking Number XXXX XXXX XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 



**The two defective XXXX XXXX XXXXXXXX XXXX gift cards were returned via XXXX as requested by XXXX Customer Service . The XXXX   Tracking Number XXXX or the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the disputes in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ). Ref # XXXX - {$300.00} ( XX/XX/2018 ). 

**The defective XXXX XXXX XXXXXXXX XXXX gift card was returned via XXXX as requested by XXXX Customer Service . The XXXX XXXX XXXX  XXXX XXXX XXXX for the return was delivered on Thursday XX/XX/2018 at XXXXXXXX XXXX and signed for by XXXX XXXX. We have still not received our Citi credit from XXXX as Citi did not process the dispute in a timely manner. Ref # XXXX - {$300.00} ( XX/XX/2018 ).

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