vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
TIAA Cref automatically deposits an annuity payment in my bank on the XXXX of every month. 

In mid XX/XX/XXXX2020, I changed banks and confirmed on the website and by phone that the new bank was correctly identified. I was assured by phone that the change would take place on XX/XX/XXXX and there would be no problem. 

On XX/XX/XXXX the deposit never arrived in the new bank. I found that their website had reverted to the old bank and sent the deposit to them ( where I no longer was a customer ). I have tried on multiple occasions to update the bank information. Each time the new bank is accepted and I'm issued a dated/time stamped receipt for the change in information. And each time it reverts back to the old bank. 

I eventually was able on XX/XX/XXXX to reach a supervisor at TIAA Cref who took my information by phone and stayed on the line while they confirmed that the system took the update. She said she could NOT send my money to me any earlier than 7-10 days by printed check mailed to my home. I did receive the XXXX check on XX/XX/XXXX. Today ( XX/XX/XXXX20 ) I checked the website again to assure myself that the new bank would be used for the XXXX deposit as promised by the supervisor during our phone call. 

The website still reverts back to the old bank. While I have a verbal assurance that my check will be properly deposited next month, that seems pretty weak. I believe they are " working the float '' to their advantage and not in keeping with their agreement to me to have the funds available on the XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had a XXXX XXXX opened on XX/XX/XXXX XXXX which was closed around XX/XX/XXXX i believe the date was. To make a long story short XXXX had agreed to remove this card completely off my credit file. It is still showing on my closed accounts. I had called them early XXXX and a few other times in XXXX about this & they said on the phone each time it would be taken care of. I am currently looking at my credit report and still see it there. Which is why I am coming to you guys. I just want them to honor what they said and remove this from file. I have an attached screen shot of the account. Again all I am looking for is for XXXX  to honor what they said they were going to do and remove this closed account from my file. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Notice for Proof of Claim Account : SEQUIUM ASSET SOLUTIONS , LLC BAL {$7300.00} To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
SYNCB/PPC- XXXX : They never sent me a statement letting me know when my bills were due. I signed up for auto pay and it was never taken out. The lates that are reporting against me need to be removed. I had made contact with them letting them know I was unsure when the billing cycle was due and then the payment was not deducted from my bank in time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: LA

Complaint narrative:
I decided to just settle this debt with RentDebt Automated and they informed me that as a courtesy they would delete this account from all there credit bureau 's. As of today XX/XX/20 this has not happened. I informed RentDebt Automated repeatedly that this account was not mine ( fraud ) but decided to settle just to get it resolved. I explained this to RentDebt Automated. I am asking that they delete this PAID collections from all 3 credit bureau 's. This issue has caused me be turn down for employment which I should have qualified for. Due to the current economic crisis we are currently in I had to seek employment, and this PAID collections is negatively effecting me. The issue with this account is not a good indicator of my actual credit worthiness. I have tried very hard to remedy this situation as well as make sure my credit isn't impacted negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Associated Credit Services, Inc.
State: MA

Complaint narrative:
Assocciated Credit put a debt on my XXXX  credit report ( # XXXX ) with out verifying the debt is mine. I do not owe this debt, and dispute its validity. 
I have never done business with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have attempted to get proven fraud inquiries removed from my credit file. Police and the actual entity agreed it was not mine and pulled my credit from ID theft and not me. Transunion refuses to remove these inquiries even after 30 days and more up to 10 months. Force Transunion to obey the FCRA and remove these inquiries. I will list those in this complaint. But they were done with a different name and a different address that is proven to be fraudulent yet Transunion will not remove them. These inquiries were not permissible I did not give permission yet that is why they are keeping them on my credit file their claim is they were permissible. Yet every entity says they do not have any permissible inquiries in their system from me and Transunion continues to refuse to remove them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
On XX/XX/2018 the Collection Agency ( Direct Management ) began reporting inaccurate information and the address on the account do not belong to me. The amount listed on my credit report is {$2000.00}, however the collection agency sent a bill to me for {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: STL HOLDING COMPANY, LLC
State: LA

Complaint narrative:
We are both XXXX and needs to file the company about the PMI. We purchased the home on XXXX XXXX XXXX in XXXX XXXX, LA. XXXX on XXXX XXXX and we closed on the home on XXXX XXXX and sold that moment. We did cancel the homeowner insurance and property tax that we got some money back from them but the PMI name is XXXX XXXX XXXX  can not get some money back since we paid the DSLS Mortgage, LLC infront with cash {$3400.00} around XX/XX/2018 to avoiding the PMI for 10 years but we only lived there for 18 months bec there were too many issues on the home. The service DSLS Mortgage s lender was convincing us to pay in front with {$3400.00} that moment and we shouldve not pay infront at the first place. They said no money back. We dont undy and one of my atternoy from the closing on my home told me to file with CFPB to see what s going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
I paid this company {$290.00} for a {$200.00} loan already back in XXXX of XXXX, i transferred my job to a different Location in Virginia and lived in XXXX Virginia areas. They kept calling me and i told them stop it and paid them with my tax refund that year in XXXX and they're just harrassment in my emails and all. I lost my job due to covid19 and I refuse to pay them again. I don't have documents because I moved to many times. It has now negatively affected my credit reports and scores. I just want them to stop it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover arbitrarily reduced my credit limit without reason and without notifying me. This unfounded and malicious action not only reduced my available credit, it drastically increased my percentage of amount owed to amount available. 

This wrongful action has caused more than a 100-point drop in my credit scores and has result in the denial of credit. This is the case even though I have never missed a single payment on any of my credit accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
I attended XXXX university back in XXXX ; I only attended the college for a week. The policy stated that if you withdraw from the college the first week, then the balance owed Is XXXX. about two years after withdrawing from the institution, I received a bill from Ability recovery services for XXXX dollars. I reached out to them about the debt I tried to dispute the debt with an account representative, they argued with me about the debt and refused to help me. I then reached out to XXXX University for help ; they told me there was nothing they could do. I would have to contact the collection agency. This year I submitted a dispute to the collection agency once again ; they took {$5.00} off the bill when the balance should be 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 2020-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: VA

Complaint narrative:
Original Loan amount : {$280000.00} Payoff amount : {$240000.00} PMI monthly : {$110.00} Current home Valuation : {$310000.00} Origination Date : XX/XX/2015 I tried to eliminate the PMI based on the home value and ratio to original borrowing. I wrote Flagstar to  request cancellation of monthly PMI of {$110.00} per month. They refused citing 75 % ratio of remaining balance to original borrowing not met. They advised I could pay {$520.00} to appraise the home to update the value. I paid the money, they sent an appraiser then made a faulty calculation of {$260000.00} - {$16000.00} below the original borrowed amount after 5 years in a steadily appreciating housing market. Appraiser did not use comparable homes next door that recently sold and on same street and neighborhood but erroneously used condos close by that do not include land value in consideration. My home is an attached townhouse - not a condo. There is no HOA or shared land usage/value. I have all the details. I appealed the decision. They then revised their estimate to {$280000.00}. This is fraudulent by Flagstar and a blatant attempt to continue to receive PMI payments and a conflict of interest. The house was appraised by another mortgage company at {$310000.00} and all third party comparable show the house to range from $ XXXX {$350000.00}.

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 2020-07-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Hello I have forwarded this email to my personal email to respond. This is harassment, I just spoke with Navient support this morning informing Navient that I filed a complaint with the consumer financial protection Bureau for sending my work a letter asking for my personal information, this call ended at XXXX XXXX. After I arrived to work and opened my email I see the below email was sent at XXXX XXXX  to my entire company. I will be filling a second complaint for the continued harassment at my work. 

I requested my promissory notes this morning be sent to me and I will be working on a plan of action with a third party. I will either be in touch Friday or Monday. 


XXXX On Thu, XX/XX/2020, XXXX XXXX XXXX XXXX XXXX wrote :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 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: NJ

Complaint narrative:
I sold a house in early XXXX and I am unable to get a quote for an auto loan that reflects the fact that : 1. I no longer have a $ XXXX mortgage. 
2. I paid off all of my credit card debt with the proceeds of the sale I understand why there is a delay in processing this information. However, when I have tried to approach each of the 3 agencies regarding when my score would reflect these changes it is impossible to get an answer. 

Their entire reason for being seems to be to steer me into new credit card loans. I see this as criminally counter to their mission of credit transparency and consumer services. How can one part of a site advise you to limit revolving debt and available credit and another part sell you new high interest cards? 

I feel like I've earned a higher score and the interest savings that entails so it's extremely frustrating to be saddled with an unfairly low rating with the added insult of being unable to get an answer to the simple question of when my rating will go up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened an online account with Citi Bank on XX/XX/2020, with an initial deposit of {$250000.00}. They posted it the same day. When I checked my funding account at CITBank on XX/XX/2020, I saw they had withdrawn this amount twice. I complained and got {$250000.00}. refunded the next day. I deposited another total of {$110000.00} the last 3 days.To my surprise, my today 's balance is just {$110000.00} and not {$360000.00} as it should be. I called Citi Bank and they told me, they didn't see the double payment on their system, just the refund. At my CITBank account, it clearly shows two debits of {$250000.00} going to Citi Bank and one credit of {$250000.00} coming from Citi Bank. So I chatted with several persons on the Citi Bank website. Unfortunately, I only wrote one person 's name down, XXXX. Nobody could help me because they said, they can not see a double deposit on XX/XX/XXXX on their side, just a withdrawal on and they also never requested this amount twice. After talking to CITBank, they confirmed, they got two requests to transfer {$250000.00}. I also have that in writing from them, see attachment. Calling Citi Bank is a nightmare. They are asking me for a debit card # and the security code -- since this is a new account, I only received the last 4 digits of the ATM card, but no security word. After about 5 min. they transfer me -- to the wrong person. So, I'm getting transferred again and can wait, wait, wwait until I get another person who can't help me either. Finally I'm ending up with a supervisor, XXXX, who can't help either and he refers me to CITBank. I call them, they just hang up on me. So I wrote them an online message. On previous response they told me to call, but the phone people just hang up on me. Let 's see what will happen now. Going back to Citi Bank with new information, go through that number disaster again, the wrong person transfers me again, I can't get XXXX, as he promised, but have to wait, wait, wait again until I'm getting a message " don't wait for a supervisor more than 2 min., get a department head. '' They don't transfer, so I'm calling again with all that number requests and then wait and wait and wait ... getting the wrong person again, getting transferred.. and wait and wait and wait. PLEASE HELP! I'm still out of {$250000.00}!!! Thank you. 

Sincerely, 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 2020-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: RI

Complaint narrative:
Hello, Yesterday - XX/XX/XXXX - I was alerted that a new collection account has been added to my credit report. When I further investigated I was notified by the collection agency that this was a collection account for first access credit card. I have never had nor have I applied for a first access credit card. They claim that I took this card out in XXXX of XXXX. Why is there no hard or soft inquiry from them at this time? Why have i never received a credit card statement either by email or regular mail. They claim to have my address I have never received a statement or anything sent to my address @ XXXX XXXX XXXX XXXX XXXX XXXX, RI XXXX. I receive emails from the USPS every day which details what mail i have received on any given day with copies! and I have never ever received anything from this company. They have also never ever even reported a balance nor " my purported ' past due payment to any credit bureau. Now they are telling me two years later that i have a card with them that i never paid??? i tried reaching out to first access by phone and email no response. I called Jefferson collection agency JCS @ XXXX they are telling me its serviced by another company which i called @ XXXX ( they never gave me a name of the actual agency " handling this debt '' Even when you call they don't provide a name of their company or anything.. they hung up on my after screaming at me that this is my debt they refused to provide me with a verification of debt!!! before hanging up on me! Please help me this is a fraudulent company and this is not my debt. I am in the process of purchasing a house and this happened right at the point of submitting an offer I can not believe this is happening to me. Please help me!

Company response to consumer: Closed with non-monetary relief