vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-29 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: CA

Complaint narrative:
I received notification of a new debt that was added to my credit report. I am not aware of the origin of this account. I contacted the credit bureau involved and the debt is still reporting to my credit report. The debt is from a company name XXXX XXXX and the original creditor is XXXX. I do not have a cell phone from nor have have I had a phone from XXXX. I would like this collection attempt to be removed from my credit report ; It does not belong to me.

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 2019-09-29 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: AZ

Complaint narrative:
I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck

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 2019-09-29 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: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
I have account collections on my credit report that i have been disputing for over 3 months. The accounts do not belong to me and are not even in my name. due to these collections i have lost the ability to get approved for my home loan. I have tried repeatedly to have these removed with no luck

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/XXXX made a deposit on Bank of America ATM in XXXX for {$300.00} the ATM had a glitch and was unable to accept the deposit or return the deposit The ATM had a message saying there is a problem with this ATM and asked for me to enter the deposited amount which I did, 2 weeks later Bank of America took the money from my account and are saying they're unable to file a claim on this issue since it's a branch problem refused to help or even give me any information or options on how to attempt to get my money back

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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
In XXXX someone took XXXX dollars out of my acct via our " debit card '' through an ATM at BOFA in XXXX AZ ... it happened 2 hours prior to my call and I had our bank card in our pocession the entire time ... BOFA credited my account and then took it out later stating fraud was not committed ... and closed out the claim ... all they said when asked how they came to the conclusion was that chip was read ... ..I asked about video surveillance and was told they NEVER did it ... .they suggested I call Police which I did ... 
Still no resolution ... .now it's thievery on BOFA because they stole my XXXX dollars without proof of fraud!!! Until I have resolution I am filling a complaint with Federal Reserve and XXXX XXXX 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 monetary relief
Consumer complaint received 2019-09-29 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: CA

Complaint narrative:
I have about 20 student loans that are reporting on my credit report. These loans definitely belong to someone else. I am not currently in school and I do not have any unpaid student loans. Therefore these accounts should not be reporting to my credit bureau. I sent an original dispute which removed these errors from 2 of my credit bureaus, but it still is visible in one of them. These should be removed from credit report ; they do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XXXX XXXX XXXX installed laminate flooring in my home. They told me it was waterproof. They lied. The flooring is not waterproof. It warped, bubbled and banana boated severely even though I never wet-mopped the flooring. I have submitted previous complaints about this same issue but to date, I have not seen any resolution to this matter. The credit card company involved in this matter, Synchrony Bank, stated that they conducted an investigation, however, they did not. All they did was get a letter from XXXX denying all fault. No formal investigation, or any other investigation was ever conducted. This too is a lie. I requested copies of all relevant documentation from the investigation and they could not produce anything except the denial letter from XXXX. XXXX failed to properly install the laminate flooring in my home as well as lying to me about it being waterproof. They were required to bring the laminate flooring to my home to acclimate to the environment prior to installation. They failed to do this. They were required to conduct a moisture test on my concrete floor prior to installation in order to determine what type of moisture barrier was required and they failed to do that. This flooring is the worst I have ever seen. The installation is horrible and I am left with this mess and a {$5500.00} bill plus they are ruining my credit because I refuse to pay for this mess. I need help. I never received any response from you from my prior complaints so I have no idea what happened. They are racking my credit in attempt to force me to pay for this huge mistake sitting in my home. I have requested them to come and take their flooring back. They refuse. They refuse to work with me. They refuse to answer any of my letters. They do not communicate with me.

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 2019-09-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: State Collection Service, Inc.
State: WI

Complaint narrative:
I became XXXX on my job, the supervisor call the fire department, and I was taken to XXXX XXXX XXXX Hospital , Inc because I has XXXX XXXX I was admitted over night. They took XXXX  and put me in a room and given XXXX XXXX for XXXX and I talked to a few doctor about my pain. Than the next day I was discharged. I have received over 4,000 dollar in medical bill. This happen in XX/XX/XXXX XXXX. I just got another bill {$2300.00}, I am already paying collection {$100.00} a month. I don, t believe this is right, I do not owe all this money. I am XXXX year old, now I have to work just to pay this bill. I had a problem with my XXXX XXXX  insurance. which did not pay the Hospital. I thank I am over paying these people. What do you thank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
For maybe a decade I've been billed for fraudulent charges and the company has only and always given me the complete run around and always refuses to remove the fraudulent charges, despite all of the " declaration of fraudulent charges '' forms I've filed out and sent back to Citibank N.A. I've called over a dozen times and have always been directed to their " international call center 's '' and have never been given any consideration, what-so-ever, to the fact that this has been on going for a decade!! They never follow-up! they never dispute the charges! I'm certain I've paid triple with the interest and interest rate hikes I've paid over the years because of this. My credit is perfect and I wonder if it in fact wouldn't be better without the company keeping the charges on my monthly credit bureau reporting without at least removing it as part of the dispute process??!!

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 2019-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Today ( XX/XX/2019 ), tried to withdraw XXXX XXXX from the ATM at TD Bank ( XXXX, NJ ) at XXXX. The ATM broke down while dispensing the cash. When contacted TD Bank, the representative said that TD bank was not responsible and keeps no record of transactions that happen at the ATM because they are only a middleman. If anything, the withdrawer would have to have the card issuer ( in this case, XXXX XXXX XXXX ), file a complaint against TD Bank. However, from XXXX XXXX XXXX XXXX perspective, the cash has already been withdrawn. The two banks are blaming each other and in the meanwhile, this sum of money has evaporated. I believe TD Bank owes me this sum and should be held responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was supposed to receive a {$300.00} bonus for opening a checking account with BMO Harris after completing the following requirements within 90 days of opening the account : - 2 direct deposits of at least {$500.00} each - 10 debit card transactions. 

I met these requirements. I was told that I would receive the bonus 120 days after opening the account, but still have not. I called the bank and multiple long holds was told that the person I spoke with couldn't help me and I had to call back during different hours. I don't have time to jump through all these hoops just for BMO Harris to honor the terms they promised.

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 2019-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I am interested in participating in and potentially expanding the CFPBs lawsuit against Navient Servicing. For five years, I participated in a ISRP with Navient. During that period ( from XXXX ) I made all payments on time, and annually certified my income and status as an employee with the State of Maryland. Navient annually confirmed my employment and my income, and collected all payments. After paying for five years, I discovered that Navient was not a qualified service to participate in the PSLF program. When I switched my loans to XXXX, I was struck over the similarity of the application process. There was basically no difference, except for a one page form provided by XXXX that merely sought signatures and consent. I was then easily enrolled in PSLF, and am 24 months in. My concern is that Navient, for years, offered an enrollment process that resembled the application process for the PSLF and in doing so, mislead me, and probably multiple customers/students to enroll and make multiple payments with Navient all while believing that they were paying towards the PSLF when in fact, no such credit was accruing. I believe Navients enrollment process was intentionally misleading, where they were aware of the PSLF and knew of my eligibility through the information they collected, but omitted providing any information to let me know that my payments were not building up PSLF credit. This process is designed to confuse customers. The only reason I figured out what they were doing is that I changed jobs within XXXX XXXX and wanted to confirm that they were aware of my new job and contact information. I learned soon thereafter that I had accrued XXXX credits in the PSLF and, was beginning at month one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: PA

Complaint narrative:
This complaint is to filed in conjunction with complaint ID : XXXX for, I had submitted a dispute to Transunion regarding my issue with XXXX XXXX and this is the result of their investigation. The reason this wasn't included in the initial complaint is that I received this in the mail the day after I submitted my initial complaint.

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 2019-09-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
Not a good area to discuss this on your site ... ..XXXX ... ... XXXX and XXXX are XXXX websites that are all crooked scams ... ibought a small freezer from XXXX  and then discovered that it is a fake scam site ... then idiscovered that all three sites are the same thing ... XXXX knows they are scam sites and allows them tocontinue ... ..they should have already shut them down ... ..XXXX  and XXXX need to be regulated by the gov ...

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 2019-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TCF FINANCIAL CORPORATION
State: MI

Complaint narrative:
I applied for a refinance of my existing mortgage with XXXX Bank on XX/XX/2019 and was denied on XX/XX/2019 after being told repeatedly we were near closing as early as XXXX. 

I had a closing date scheduled for XX/XX/2019 that was canceled due to problems on the lender side, that should have been resolved prior to scheduling closing. 

The lender will explain that there were liens on the property that delayed closing, but all liens were in the form of forgivable - conditional grants originated from and held by the lender. 

I even had to put in a call and resolve one of the liens because of incompetence on the part of the lender. I was able to complete this on the same day. The email and letter documentation are attached. 

From the outset of this process I have been disregarded as a person and instead treated as just another file. As an existing customer, I expected courtesy, decency and communication. 

It is not lost on me that after it was decided my loan would be denied the swiftness the lender was able to send out that paper work. 

Because of the unnecessarily long process and delay I had to make financial decisions that made the most sense for me in the moment. Ultimately, this process has destroyed my credit and ability to now refinance with a different lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a XXXX account with no incoming international wire fee through Chase. 
However, I was charged wire fee, and I asked XXXX about the fee but was asked to contact Chase. 


XX/XX/XXXX I wired {$7500.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX ( attached SWIFT ) XX/XX/XXXX only {$7400.00} posted. I asked XXXX numerous times but they said the sender charged the fee but sender sent me the full SWIFT that shows no fee charged from the sender side. 

XX/XX/XXXX I wired {$8000.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX. 
XX/XX/XXXX only {$7900.00} posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MoneyLion Inc.
State: SC

Complaint narrative:
I noticed right after got the loan that my paydays were wrong. So..I reached out to them to try and get them fixed. I was told that I had to email the support team to get this handled. They take out a membership fee and the actual loan payment seperate. They fixed the membership part..so that comes out now on the correct date..but the loan payment does not. I have been calling..and emailing. When called they told me to reach out via email..I have accrued so many insuffiecint fund fees of {$35.00} +..because it's like a trickle affect.until I can't afford tto pay the loan anymore..No one will help me with this matter. I'm frustrated and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: Waypoint Resource Group, LLC
State: FL

Complaint narrative:
In credit XXXX  app, XXXX still has not updated my waypoint recourse acct. on XX/XX/19 I paid full balance of {$100.00}. XXXX  still has derogatory remarks Im trying very very hard to fix my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
Hard inquiry on my credit report from XXXX XXXX XXXX care credit. XXXX never applied for. Information is from XX/XX/2019

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 2019-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
One month ago, my account was overdrawn, ( we did not know because an automatic payment came out at XXXX and our direct deposit went in around XXXX ... Spoke to customer service being that it was out first overdraft we received our money back, set up a plan to have the money come directly out of our savings for XXXX dollars if this were to happen again, I was suppose to receive paperwork to sign and send back. Never received. Going forward our account over drafted again and with in 24 hours the money was transferred out our from out savings. Tried to get the XXXX dollars back did not work. So I asked how much I needed to transfer for this not to happen in another 24 hours I did as he said, and still received another XXXX dollar fee. That it XXXX dollars ( a lot to parents who live paycheck to paycheck ) I understand there are fees, but sometimes it's not ways the customers fault. Some companies debit the wrong amount tales says to be refunded, that is also what happened with our account. We are looking for XXXX in return.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NM

Complaint narrative:
Sallie Mae had the original loan for under {$20000.00}. Since being with Navient, there has been so many issues, from they had no record of previous payment, to check online about where your payments are going, to dealing with the rate reduction program. I have been dealing with the rate reduction am for 3 years, have made my payment on time, and most of my paymets go to interest. I owe them {$40000.00} now due to interest they have charged me. So for 3 years the amount I owe is still {$40000.00}, doesn't anyone besides me think this is wrong? How is this possible? I need help and have attached my info from Navient. I have also signed up again for rate reduction, but they are showing my current payment is over {$400.00} which is not and agreed to {$270.00} because I had to. I have been doing this rate reduction for 3 years and I'm not understanding where my payare going since I still show owing {$40000.00}. The people are not helpful, and say to look at the website, but the website shows all money I have payed going to mostly interest!!! Ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I downloaded an app called XXXX ( a budget tracker and planner ) and inquired about my credit report. I've noticed there is an open account that I am not associated with. This account is called CBNA and has been open since XX/XX/2019. In addition, this account 's last payment was XX/XX/2019. I am very confused since I do not recall opening any account this year.

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