vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA
State: MI

Complaint narrative:
I have tried to resolve this issue numerous time through with XXXX XXXX directly and also a previous compliant with CFPB. My student loan account is being INCORRECTLY report. I was awarded a forbearance from XXXX XXXX XX/XX/XXXX and XXXX is incorrectly reporting late payment. XXXX claims that such reports would not be updated due to regulations the FCRA of the initial accurate reporting. Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section XXXX ( a ) ( 2 ) of the FCRA. I have attached an FTC advisory opinion ( below ) which interprets Section XXXX ( a ) ( 2 ) of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time ( i.e., the identical situation I am currently in ). The advisory opinion states that the XXXX XXXX ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. XXXX awarded me a forbearance starting XX/XX/XXXX through XX/XX/XXXX thus my payment history should report as such. * This fact is also stated by XXXX that they in deed granted a forbearance for that time period. XXXX ( a ) ( 2 ) clearly shows that the reports must be UPDATED/CORRECTED regardless of whether they were accurate at one point. I am requesting that in compliance with Section XXXX ( a ) ( 2 ) of the FCRA that the XXXX accounts showing a late payments from XX/XX/XXXX to XX/XX/XXXX be updated and/or corrected on my XXXX, XXXX, and XXXX XXXX reports. XXXX violations to XXXX XXXX ( a ) ( 2 ) of the FCRA and refusal CORRECT my credit report are currently causing damages to me personally and inhibiting me from receiving the best interest rates in my home buying process. Below is the link to the FTC advisory opinion I stated earlier. I have also attached payment history from web portal on the XXXX website showing my account coming out of forbearance and not starting repayment until XX/XX/XXXX. I have attached both screen shots and exported XXXX XXXX XXXX  : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CA

Complaint narrative:
The Consumer Protection Financial Bureau : I have been a credit card holder of XXXX XXXX XXXX ' Discover It card since XXXX. What drew me to choose and ultimately use their card is their promise of no foreign transaction fee in purchases made outside of the United States. I consider myself a well-educated consumer, closely reading specifics of any product in the enclosed marketing and card member agreement materials. 

I travelled to the XXXX of XXXX, and the XXXX in XX/XX/XXXX. As with any travel, one would want to use the convenience of credit card, especially those advertised with no foreign transaction fees. Most credit card companies that discloses foreign transaction fees ranges from 3-4 %. Discover ultimately uses the language of " no foreign transaction fees ''. Upon my return to the United States, I quickly scrutinized the transactions in my card statements to see if their advertisement, their promise, lived up to its word. The transaction took about two full months to post to my statement. While this delay was expected, what caught me was the extremely high foreign conversion rate they used. the foreign exchange rate used was anywhere from 15-20 % higher that any publicly-verifiable source. 

To get a better understanding of this matter, I spoke and wrote to the Credit Card Company on several occasions. I was told that the foreign exchange rate used the exchange rate at the time of transaction as published in XXXX or XXXX XXXX. The rates as I see, led me to ultimately believe that the foreign exchange conversion rate was : first, not accurate to what was published in the market sources, and secondly included a surcharge to those rates. 

On XX/XX/XXXX, I spoke to a supervisor at the Credit Card company and I was told that their product adheres to its no foreign transaction fee and that foreign conversion rate would be on their website. I found this conversation very appalling as it was a blatant misleading and egregious. Not only that XXXX XXXX attempted to apologize for this misleading card feature but also there is nowhere on their website or card member agreement that support this issue. This is very contrary to how transparent XXXX XXXX with their published conversion rates. The way Discover charges and converts foreign transaction fees are misleading and unfair to its clientele and ultimately to the American public.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Re : Experian Credit Bureau XX/XX/XXXX, placed Security Freeze on Experian Credit Report. Paid required fee for Michigan residents, {$10.00}. 

XX/XX/XXXX, received email containing required PIN to temporarily or permanently remove security freeze. Thus indicating security freeze must be in place. 

HOWEVER, checked account status ( via Internet account login ) for Security Freeze on XX/XX/XXXX and XX/XX/XXXX. Both inquiries state ambiguous status ; i.e., " Credit Report is Now Unlocked '' and ( in fine print ) " You currently have a Security Freeze on your Experian Credit Report ''. 

Attempted to contact company for clarification via phone ( try several numbers ) but had minimum of two hour wait time ... unacceptable. No email inquiries available. Note : made several attempts to call Experian and use company 's answering/directory service to CONFIRM credit report freeze but system not setup up for that. 

CONCLUSION, it's apparent that Experian is marketing their credit monitoring services ; e.g. Experian XXXX. Please see the attachment. This is deceptive marketing. 

I still have no assurance that my paid Security Freeze was ( is ) honored.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
To whom it may concern good afternoon I have a huge issue with Ditech XXXX account number of my loan is # XXXX The phone number is XXXX and their address is XXXX XXXX  XXXX XXXX XXXX Washington, XXXX XXXX United States On XX/XX/2017 I had to call Ditech XXXX to found out what my pay off is, they told me a payoff of {$1800.00} they also told me that the company policy I could not make the payment like I normally do on the computer or online I would have to mail my check with the payoff letter that they were going to send me in the email to a different location office on XXXX XXXX in XXXX Illinois the letter that they sent me was generated on XX/XX/XXXX I got the letter in the mail I cut a check for {$1800.00} for the pay off amount which you would see in my evidence file Im forwarding to you come to found out on XXXX XXXX the second day they generated the payoff letter my payoff had increase because they decided to pay my property taxes for XXXX XXXX of XXXX XXXX when they got my {$1800.00} check they never cashed it, I got call from them In the middle of XXXX telling me that I was delinquent on my mortgage when I question why so they told me that the payoff had changed I ask them why did not you and please cash the check I wouldnt of been late on my XXXX payment plus I never instructed you to pay my taxes after me paying off the whole loan with you We have no more business to conduct together they kept telling me that they will have a manager contact me and XXXX this matter out never heard from anyone what there are trying to do to me now Is ruining my life and Report to the credit agenciesmy XXXX payment is late Please I need you help this is a company if you look them up they are currently under two different class action lawsuit because what they did to me they did it to many other consumers I have paid these people XXXX payments perfectly on time never missed one in at the last payment they trying to my life Please please help me I was not late on the last payment in the evidence you would see a copy of my check

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Monterey Financial Services LLC
State: MI

Complaint narrative:
We were sold a timeshare by XXXX XXXX XXXX in XXXX in XX/XX/XXXX. We paid a 10 % deposit and made 6 months ' worth of payments. We tried to make reservations but there was never any availability. We tried to contact the sales department via email and phone, but they never responded. Because of their lack of response and no availability we discontinued our payments. Our account was canceled and closed by XXXX XXXX on XX/XX/XXXX. Two months later XXXX XXXX XXXX began calling us and trying to collect {$14000.00} on behalf of XXXX XXXX. The caller was very aggressive and threatening in her language. We had never stayed at the property since our initial visit in XX/XX/XXXX. We were not able to reserve any dates at the property. This timeshare company is a scam. We should not have to pay for something we never used and could not use. XXXX XXXX XXXX should not be calling us to collect for a canceled and closed account that was never used.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: ID

Complaint narrative:
I had filed XXXX XXXX and had paid off everything. Shellpoint stated I still owed {$3400.00} to them, which was part of XXXX XXXX XXXX. I paid that amount and my XXXX XXXX was discharged in XX/XX/XXXX. I received a statement from Shellpoint stating I still owed {$1200.00}. I have made many calls and mailed letters showing everything was paid. They have said they would clear this up, but as of XX/XX/XXXX. XXXX they haven't. I would like this matter cleared up and a statement from them stating I have never been late. 

Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am a victim of fraud. On XX/XX/XXXX I made a deposit on my checking account with a Cashier 's  Check provided me by a supposed employer, to perform an assignment, in the amount of {$2800.00}. I withdrew {$2400.00} from the account on XXXX when the funds became available. 

On the XXXX when I checked my account on-line to see if I had received my unemployment deposit, I discovered my account was overdrawn a little over {$1800.00}. I ran to the branch to find out why. I was informed the check deposited was fraudulent. 

The bank should not have made the funds available knowing I never had funds in my account since XX/XX/2017 to cover those funds. The cashier was not savvy to realize when cashier check was given was fraudulent. 

I spoke to a customer service rep in the bank and said they could not help me. They did not report my complaint to the fraud department. I proceeded to call the police and make a report. 

On a later date I went to another TD bank branch and the customer service rep was very helpful. He reported the incident to the fraud department and sent them documentation showing clearly I was a victim of fraud. 

The customer service rep. proceeded in assisting me with closing a savings account I had and open a new account so I can do my bank transactions since the other checking account was under investigation. 

I am claiming the previous balance estimated around {$200.00} and my unemployment check which were taken from me and overdraft fees due to this incident. 

Please see documentation attached.\ I re-deposited the sum of {$1700.00} cash into another checking account as per the instructions given me by the employer to the same branch on the XXXX. The account was then restricted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
XXXX XXXX has been reporting a fraudulent debt on my credit report for a few years. I've tried to dispute the debt thru the credit reporting agencies but it always comes back verified. 

I'm a victim of identity theft and have attached my FTC report along with my homeless veterans letter. 

I pretty sure the account doesn't belong to me because I havent had a stable address in over 7 years. 

Please remove the fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I have been complaining about accounts that doesn't belong to me. I was told to fax my ID information to confirm my identity, I did this 3 times and received no changes or no response. This is making my life hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: AES/PHEAA
State: NY

Complaint narrative:
I set up automatic payments, they stopped them. 
I saved my bank information, they removed it after being saved for months. 
I try to manually pay, nothing goes through. 
I try to update anything on their site, their site won't let me ( constantly errors out ). 
I emailed and called, no help. 
I can watch my interest accumulate, so there is that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 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: ID

Complaint narrative:
Citibank Thank you Card is charging me a recurrent charge for XXXX XXXX XXXX in the amount of {$95.00}. I did not sign up for recurrent charges with this company and this is not authorized. I disputed the charge with Citibank but they sided with XXXX XXXX XXXX company and left this charge. I don't even have knowledge of account with XXXX as I no longer use a business computer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my Experian account it looks as if I have 3 inquires that DO NOT belong to me on my account. I called Experian on XX/XX/XXXX and was verbally abused by Experian representative XXXX with XXXX XXXX. Complaint made with supervisor. I mailed Multiple Inquiry removal letters via certified mail in XXXX and also provided evidence that my data was impacted by the breaches through XXXX, XXXX and Hurricane Irma. I have been trying to build my credit, not apply for things over and over again. The letters go without proper investigation required by law as " we are unable to investigate inquiries and they will remain for two years from the date of inquiry. '' They would sign for the letter on a certain day and the response would be mailed to me in less than XXXX hours. I have asked for evidence that these inquiries belong to me. I am refused that request by stating " If you believe this was unauthorized, please contact the creditor. '' I would like for the below inquires to be deleted. XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX Bank XX/XX/XXXX. According to the FCRA Rules, FCRA XXXX ( b ) ( XXXX ) and XXXX ( a ) ( XXXX ), it states that any information can be disputed and MUST be investigated and if you do not investigate or respond accordingly, the CRA must delete the disputed information from its files. The fact that I received a response 2 days after the receipt of my certified letters, one can assume that there was no investigation into the matter. I plan to purchase a home next year and having this many hard inquires on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into the original dispute for hard inquires that do not belong to me, I did not sign for any credit pulls. This is unfair practices by a credit reporting agency with no regard for the emotional distress or consequences this causes the individual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
On Friday, XX/XX/2018, an unauthorized Debit transaction for {$8500.00} was posted to my bank account. Since I am notified immediately of any transactions that occur in my bank account, I then drove to the local branch of the bank. with the intention of closing that account and opening a new XXXX. However, when the bank found that the unauthorized transaction had occurred, they abruptly closed my account and gave me a check for the balance left in the account, LESS the {$8500.00} that was taken illegally. They also infomrmed me that they could not, and would not open a new account for my business.. 
This unauthorized transaction was done by a former member of my XXXX at another branch of the bank where he knows the XXXX XXXX. 
I had already emailed her on XX/XX/2018, attaching my official Annual Report for 2018 that I filed with the North Carolina XXXX of XXXX XXXX showing that I was the sole member of the XXXX and requested her to remove said former partner from my bank account. 
This branch bank XXXX intentionally avoided removing my former partner from the company bank account ; then deliberately avoided processing new Bank signature cards that were signed on XX/XX/2018 that specifically showed that the former partner was Not permitted access to my company bank account. I am quite certain that she also infomed my former partner that I was going to close the bank account so he hurried to his local branch bank and made the illegal withdrawal. 
I hold both the banking institution and the XXXX XXXX liable for reimbursement of {$8500.00} plus damages that have occurred, limiting my business operations and generally causing a great amount of despair.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: NJ

Complaint narrative:
Caliber Home Loans put a 30 day late and past due delinquency on my credit report and the mortgage payment was not late.They were paid over the phone and charged me an additional XXXX. After reporting such erroneous information on my report, my score dropped over 70 points and I was denied credit from other creditors. In addition, I was embarrased and my character was defamed. I wrote the company and asked them to update their records and remove the late because this is a violation of the Fair Credit Reporting Act ( FCRA ). I received a letter from them stating that they are investigating the matter. I was a victim of inacurate and unfair credit reporting. Please help me by investigating this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I have several complaints on file that are marked as closed simply because they accepted the complaint. This is ridiculous. They not only escrow, processed incorrectly charged excess fees but they stole my property. Now post bankruptcy they are calling and harassing me for payments. Ocwen called from XXXX @ XXXX ; XXXX XXXX XX/XX/18. XXXX XXXX said I missed my XX/XX/XXXX payment and I should call XXXX or send payment. 
Federal Law states they can not do this. Now what do I do. I am financially broke!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX sent a notice requesting XXXX of an alleged debt. 
I responded with a letter of dispute of fraud on XX/XX/XXXX and filed a report with CFPB ( complaint number : XXXX ) XXXX XXXX XXXX responded with copy of default judgment against me from XXXX and request reason for fraud. 
This was the first time I've heard about a judgment against me. Case Number XXXX XXXX XXXX.

Company response to consumer: Closed with explanation