vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-26 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: IN

Complaint narrative:
Transunion 's Rental Verification department is reporting the negative items below. The items do no belong to me. I wasI the victim of Identity theft. Please see the F.T.C report attached. I am requesting the items be removed immediately. 

XXXX Apartments : XXXX Apartments : XXXX at XXXX XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Richland Bureau of Credits Medical Service Bureau Inc.
State: TN

Complaint narrative:
I have been frequently called by XXXX claiming the business as " RBC '' in XXXX, OH  ( upon further research, they go by multiple names : Richland Bureau of Credits , Medical Service Bureau, RBC , Inc., Richland Bureau of Credits Medical Service Bureau , Inc., Richland MSB ). They have called me more than once a month for about over a year now. I have since blocked their number, but now am receiving new calls from XXXX ( XXXX XXXX - XXXX, FL ). I know the debt I have due and it is not to any of these agencies. None are providing information on the amount or type of debt owed. I have since blocked the XXXX XXXX number as well. Additionally, I do not live in either Ohio or Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
TOOK OUT A LOAN WITH EASY MONEY IN XXXX TN, FOR THE FIRST COUPLE OF MONTHS NO PROBLEM BUT WHEN I INCREASE THE LOAN WERE GETTING DOUBLE INTEREST CALLED CUSTOMARY INTEREST. SEVERAL PPL COMPLAINED AND THE DISTRICT MANAGER WAS SUPPOSE TO CREDIT SOME OF THE CUSTOMARY INTEREST. PER CORPORATE AT XXXX WAS TOLD THEY HAD NOT BEEN ABLE TO GET IN TOUCH WITH HIM. TALKED TO XXXX ABOUT THE SITUATION AT CORPORATE WHO TRANSFERRED ME TO XXXX A DEPARTMENT TO HELP PPL WAS TOLD BY HER SHE WILL CALL ME BACK NEVER RECEIVED A CALL. WAS CALLED SEVERAL TIMES BY XXXX FROM COLLECTION WHO DID NOT READ THE NOTES ABOUT THEY WERE STILL WORKING ON MY ACCOUNT. TOLD HER THEY WERE WORKING ON THE ACCOUNT TALKED TO THE XXXX DEPARTMENT AGAIN SAID TO WAIT ON MAKING A PAYMENT UNTIL THEY SOLVE THE PROBLEM. TALK TO THE COMPANY AGAIN XX/XX/2019 WERE TOLD THAT THE DISTRICT MANAGER REFUSE REALLY AND HE HAS HELP OTHERS. THIS IS NOT RIGHT AND PLEASE SOMEBODY NEEDS TO KNOW THERE JOB THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
Municipal Services Bureau ( MSB ) XXXX XXXX XXXX XXXX, TX XXXX Phone XXXX / XXXX Fax XXXX Municipal Services Bureau is trying to collect on a court case that was dismissed back in XX/XX/XXXX. We have received multiple calls but I don't have dates on those. I do have the letters and response date showing proof that the debt is not owed. 
Received Collection letter from MSB dated XX/XX/XXXX demanding {$240.00} from a XXXX County Court TN-Circuit Court stating the fine had not been paid. I had my administrative assistant call in to XXXX and she was informed it was an oversight and would be updated. 2nd demand letter dated XX/XX/XXXX received for same amt {$240.00}. We called XXXX County Court on XX/XX/XXXX spoke to XXXX that transfered us to XXXX who confirmed the case had been dismissed on XX/XX/XXXX and no debt was owed and that they would send notice to the collection agency MSB. Admin called XXXX on XX/XX/XXXX spoke to Rep adv of what court stated and they were sending proof. Around XX/XX/XXXX a collection called was made to my company still trying to collect the {$240.00}. At this point I gave my office manager permission to take over trying to resolve this matter.She called XXXX County on XX/XX/XXXX and had a copy of the court dismissal faxed to her and wrote a letter to MSB advising I didn't owe this debt to update their records and cease and desist all collection tactics and included proof from the court where the case was dismissed. Her and myself signed this letter. 3rd demand letter dated XX/XX/XXXX Office Manager called and spoke to rep who again said it was an oversight and would be updated. We received another collection call at my company on XX/XX/XXXX My Office Manager spoke to them went through everything again with rep asked for fax #. XX/XX/XXXX My office manager wrote letter with dates that we have sent proof along with copies of letters and proof from court and for the debt to be removed and cease and desist further collections tactics she faxed the letter to XXXX and got transmission verification report confirming it went through at XXXX XXXX eastern time. She also mailed the letter w/copies of previous letters and proof of the case being dismissed and debt not owed. 4th demand letter dated XX/XX/XXXX received for amt {$240.00}. I have not responded to this letter as nothing is working and I am asking you to step in on my behalf to help resolve this situation.Copies of documents can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I learned a few weeks ago some time after my Navient school loans had been transferred to XXXX that Navient reported that in XXXX, XXXX and XX/XX/XXXX that I contacted them and set up payment arrangements which is false. In XXXX, XXXX I was still in school and at that time I was not seeking to make payment arrangements just looking to finish school and I had also had been contacted by the Department of Education regarding the possibility of loan forgiveness due to misleading information from my school. Since XXXX, all of my school loans have been in forbearance due to the loan forgiveness investigation and I have only been waiting to hear how this will end. I have not attempted to set up any payment arrangements prior to after my loans were placed in deferment, forbearance, or under the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
PayPal Credit deceptively limiting customers access to their financial information across all mobile platforms. 

PayPal Credit does not show mailed-in payments received NOR promotional balances on my mobile app ONLY payments received on my laptop. I can not see a mailed in the payment received/promotional balances either through my mobile app, using an internet browser on my phone, nor when accessing the desktop site in my phone browser. 

This is surprising being that they strongly push their mobile payment options through XXXX pay or pay at register marketing ( e.g., XXXX ; XXXX XXXX ). 

I mailed in a payment on XX/XX/XXXX but by XX/XX/XXXX had no clear indication the payment of XXXX from XXXX was received though checking my PayPal account regularly on my phone I contacted customer service on XX/XX/XXXX. They directed me to a computer and noted that some of my personal financial information is inaccessible in across all mobile formats ( e.g., mailed in payments/promo balances ), though my balance may reflect the difference. This creates increased risk that I will incur unanticipated interest and fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: NJ

Complaint narrative:
I refinanced my private student loan from Firstmark services to XXXX. XXXX XXXX  then sold the loan back to Firstmark services. My current monthly payment is over {$600.00} a month. I can not pay this amount and contacted Firstmark. I was tld that I am not eligible for any help at this time. I am now behind on my payments by several months after losing my job in XX/XX/2018. Firstmark continues to call me demanding payment however they are not willing to offer any affordable solutions. I am also accruing late fees that are astronomical as well as ridiculous high interest. My initial loan was under {$40000.00} and now is over $ XXXX.Is it any wonder there is a student loan crisis in this country. I was told that even if I make a small payment each month my loan will still default.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Had issue working with XXXX after making a payment for XXXX and XXXX. Was instructed that payment wasn't posted for XXXX but for XXXX after making payment for XXXX in end of XXXX. Company failed to help or take that into consideration and have charged account to be late. Company still reported past due even though a payment was made for XXXX, XXXX, and XXXX, and XXXX. No letter was sent to me to share this information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
All three credit reporting agencies are reporting an incorrect balance on my credit card. The balance on my XXXX XXXX XXXX XXXX XXXX has been approx. {$13000.00} for several months. The agencies are reporting a balance of approx {$19000.00}. They corrected the inaccuracy couple of months ago, only to return to the incorrect reporting of the $ XXXX figure a couple of weeks later

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax, XXXX and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an M2 when actually this needs to be coded as an M1. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I have a credit account at Home Depot, which is serviced by citibank. 

I received an invoice in XXXX that clearly stated if I paid {$1100.00}, that I would avoid interest charges. I made 3 payments that total {$1100.00} prior to the due date. When I received my XXXX invoice, only {$350.00} was applied to my high interest revolving balances of 22.99 %, whereas the other {$780.00} was applied to 0 % interest promotional balances that expire XX/XX/2019. 

I called to have them correct the issue, but they simply gave me credit for the {$18.00} interest charge generated by the misapplication of funds to balances with different interest rate charges. This has occurred twice in the last few month, where the bank applies payments to the lower interest rate prior to the high interest rate, thereby generating more interest charges. 

I am aware of the rule where the minimum payment can be applied wherever the bank chooses, but the remainder is applied to the highest interest rate first. In this case, the minimum was {$190.00}, but {$780.00} was applied to the lowest interest rate and {$350.00} was applied to the high interest rate. 

If I wasn't paying attention to the bank 's hijinx, I would not have noticed the {$18.00} in erroneous finance charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: CITIBANK, N.A.
State: NY

Complaint narrative:
MACYS FRAUD DEPARTMENT REFUSES TO DO A PROPER INVESTIGATION INTO A FRAUDULENT ACCOUNT THAT WAS OPENED IN MY NAME ON XX/XX/2011. INSTEAD OF FULLY INVESTIGATING THE ACCOUNT THEY DEEMED IT AS MY ACCOUNT AND SENT IT INTO THEIR COLLECTION COMPANY. MACYS CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT ON MY XXXX FILE EVEN AFTER I SENT IN POLICE REPORT FOR IDENTITY THEFT ALONG WITH THE FTC FRAUD AFFRADAVIT. HOW CAN YOU TELL A PERSON TO ARRANGE TO MAKE PAYMENTS ON ACCOUNT THAT THEY NEVER OWNED.THE ONLY GOOD THING MACYS DID WAS SEND A LETTER THAT STATED THE ACCOUNT WAS OPEN ON XX/XX/2011. THE DATE THE ACCOUNT WAS OPEN DEFINITELY PROVED I AM NOT THE OWNER OF THE ACCOUNT BECAUSE I WAS ADMITTED INTO THE HOSPITAL FOR XXXX ON XXXX, XXXX, XXXX AND WAS DISCHARGED ON XXXX, XXXX XXXX. I HAVE SUBMITTED NEW EVIDENCE ( HOSPITAL RECORD ) TO THE MACYS FRAUD DEPT VIA MAIL AND I REQUEST THAT A NEW INVESTIGATION GET STARTED. MACYS HAS DAMAGED MY CREDIT FILE TO THE POINT WHERE THEY HAVE CAUSED ME FINANCIAL HARM. THEIR PRACTICES ARE UNSCRUPULOUS AND THEY DONT CARE ABOUT THE CONSUMER. WITH THIS NEW INFORMATION MR. XXXX HAS FURNISHED ME I WILL NOW CONTINUE TO SEEK THE ADVICE OF LEGAL COUNSEL.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: TX

Complaint narrative:
I attempted to initiate a Credit Freeze with Equifax. My efforts to do so online did not work and they asked me to call. As part of their " security '' questions the asked me for the monthly amount of my payment to my credit card. Since this is not a set amount and the minimum depends on factors like outstanding balance and whether or not I had recently made a payment, there is no rational answer to this. For me, it literally could be $ XXXX for my most recent statement or {$370.00} for the prior month. 

Because I was not able to answer to their " satisfaction '' they refused to initiate my freeze - despite the fact that I answered EVERY OTHER QUESTION correctly. If Equifax is going to use the vague item to identify individuals they need to be VERY clear as to which month they are referring and then permit individuals the time to find the statement and/or log into their account before berating the customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America has charged me {$39.00} late fee and {$28.00} returned payment fee for a total for the XX/XX/XXXX XX/XX/2019 statement of a whopping {$64.00}! Obscene! I refuse to pay this!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I am a customer of XXXX ( a division of PayPal ), XXXX user ID @ XXXX and email XXXX and have received multiple payments via XXXX successfully over the last year from people I know outside of XXXX. 

Recently I received payments on XXXX on XX/XX/2019 ( {$700.00} from one person a close friend and payments totalling {$7000.00} from a second person I know but not a close friend ) I was misleadingly informed my XXXX by in-app notifications and by email pronouncements that these payments were cleared, that I had been paid and money was in my XXXX account. I therefore went ahead and withdrew the said amounts to my bank account. I was further provided notifications that the transfer out of my money which was in my XXXX account, to my bank account was in progress. ( The payment was to share costs of a hospitality package for an expensive music festival that was in progress over the following few days ). 

4 days later on XX/XX/XXXX I was sent a notice by XXXX that the account was " frozen and transactions reversed ''. No details WHATSOEVER were provided and no one was reachable by phone for a further 24 hrs till XX/XX/XXXX. After multiple emails and phone calls it took a further 4 days till XX/XX/XXXX till before I was even informed of even the most basic details ... which transactions were reversed. This was after many rounds of phone calls and emails, including threatening to go to my US Senator and to the CFPB!! I have transcripts of all email conversations .... just to identify how much of my money was being held..and which transaction/s were affected! 

Finally a week after the original transactions I was told that the {$700.00} payment was being held for 180 days and the payments totaling {$7000.00} reversed to the originator. This was almost a week after XXXX informed me I had been paid misleadingly. The payer of the {$7000.00} is unreachable to pay again and now I am left with a {$7000.00} loss due to XXXX 's totally misleading emails and in app displays on payment, money availability and bank withdrawals. ( Furthermore, the {$700.00} payment is being held for $ 180 days. That is a non issue as long as at 180 days it is released as promised. ). 

Please investigate XXXX 's business practices and customer service availability and misleading notifications about being paid and funds availability which has led me to losing {$7000.00}. This is a HUGE loss for me as an individual relying on XXXX. 

Transaction receipts and notifications are provide and have copies of all email exchanges too demosntrating XXXX 's negligent and unsafe business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America charged me {$39.00} for late payment last month BUT I paid on time in person at its branch in XXXX, New Jersey! Seems Bank of America is trying to squeeze me for a late fee not deserved by it! Dishonest or incompetent!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Wells Fargo & Company has reported late mortgage payments to XXXX and has not reported any information to XXXX and XXXX. By reporting incorrect information or no information at all my credit is suffering and making it impossible to get a new mortgage with another lender. I submitted a claim with Wells Fargo & Company 14 days ago and they have spent this time trying to prove me wrong rather then correct the credit reports but reporting the correct 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 2019-04-26 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: IL

Complaint narrative:
Experian and XXXX  are reporting an incorrect coding of the XXXX - account number XXXX. This account is being coded as an XXXX when actually this needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reflects a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-26 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: IL

Complaint narrative:
I currently have a Capital One credit card reporting to my credit that doesn't belong to me. It's an authorized user account. I did not request to be added to this account. It has a 30 days late from several years ago which is causing a blemish on my credit. Outside of this 1 negative reporting, my credit is perfect.

Company response to consumer: Closed with non-monetary relief