vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-22 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: TX

Complaint narrative:
I've contacted TransUnion several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/2018 requesting the method of verification used to verify the erroneous Public Record showing on my credit file and TransUnion failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So TransUnion purchased this data from 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the TransUnion 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well. 

TransUnion can never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. TransUnion most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX   does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above this is why TransUnion was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2018-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
My home was hit during Hurricane Irma as I was in evacuation area. 
We received over {$100000.00} of damage to our property. 
We asked for a forbearance as well as made a claim to our insurance provider. 
There are +- {$45000.00} at " Bayview '' which has not been released for much needed repairs to my home. 
For the last 3 weeks I've been emailing and calling my account rep to try and reinstate the past due balance and hopefully have the monies that are needed for repair released. 
To date I've not received either a call back or an email from my rep. 
This seems like a deliberate attempt to foreclose. 
All I have asked for is to reinstate and I cant even get my rep online, nor will ANYONE from Bayview return my call

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: AK

Complaint narrative:
This company sends me a notice demanding payment within 30 days but does give me any information other than the name name XXXX XXXX XXXX. Why is a Texas collection agency trying to collect from someone in Alaska? I have never heard of XXXX XXXX. I demand validation, not just verification. I demand to know who XXXX XXXX is, I demand to see any contract I have signed with this company within 7 days or you will agree to cease and desist. Yes, you do have to validate this debt as requested. Please be advised that upon request I will give this collection agency an attorneys information so that they can directly deal with the law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONGRESS COLLECTION CORP
State: AZ

Complaint narrative:
I recently checked my credit report and noticed a collection agency Congress Collection has reported on XX/XX/XXXX and recently updated XX/XX/XXXX on my credit report that i owe {$170.00} dollars. Upon my own investigation of this company because i have no knowledge of this debt, I found that they are not even licenced to collect in the state of Arizona. This negative account is impacting my credit worthiness as well as my scored and i would like it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
My student loan went into default due to me not paying it because I was not getting any information on my student loan mailed to me or through email. Once I found where my student loan was I began repaying it through a rehabilitation program, which I completed successfully. I have been out of default for a year paying on {$45.00} a month. All of the sudden my loan servicer Navient raised my monthly payments to XXXX a month which I can not afford. I attempted to apply for multiple income driven repayment plans and the only plan lowered my payments only {$40.00}. They told me if I could not take care of my monthly payment my only option was to go into forbearance. They also told me I had to make one time payment to begin forbearance. I was never offered any other repayment plans and was forced to go into forbearance. I was trying to get a public service loan forgiveness and now that has come to a stop because I can no afford my student loan payments with all my other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 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: TX

Complaint narrative:
In response to Experian investigation results with report # XXXX dated XX/XX/XXXX. I've contacted Experian several times about erroneous information being reported on my credit file. I sent a letter on XX/XX/XXXX requesting the method of verification used to verify the erroneous Public Record showing on my credit file and Experian failed to respond adequately to the request. 

I'd previously sent documented proof from the Clerk of Court - US District specifically stating that absolutely NO information is shared with credit reporting agencies whatsoever. So Experian purchased this data from a 3rd party most likely the XXXX XXXX which has no way to validate or verify the accuracy of the information. 

The erroneous public record has caused financial ruin, and devastation as a result of the Experian 's refusal to follow Federal Credit Reporting Act ( FCRA ) Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. See Attached Letter as Evidence of this statement. I personally spoke with the Clerk of Courts office and they are willing to testify in court to these facts as well.

Experian can Never provide evidence that it received this information on a Public Record from the Original Source - the US District Court. Experian most likely purchases data on bankruptcies from a third party system known as a XXXX XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. 

So perhaps for the reasons and laws above is why Experian was unable to address the simple Method of Verification request because there are no lawful means of verifying this information that is in compliance with FCRA. 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original court documents all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account 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 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
I have received your response to my request for billing statements, however ; it is insufficient. My original complaint cited fraudulent activity as the cause of the overdraft. The statement and letter you submitted does not prove or disprove the cause of the overdraft. I never received the attached notices ( most likely due to relocating ) and stopped using the account long before XX/XX/2013 as the letter specified. It is my desire to resolve this one way or another but I need to be sure the overdraft was not caused by fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I recently refinanced a 7-year student loan ( " Original Loan '' ) with SoFi with a new 15-year student loan ( " New Loan '' ).

Sofi sent the funds from the New Loan to an incorrect address and never paid off the Original Loan. 

This error is concerning my Sofi/XXXX Account. 

The funds for the New Loan were disbursed on/around XX/XX/2018. 

Unfortunately, the Original Loan was never paid off and my checking account is being automatically deducted for payments on 2 student loans when I should only have one student loan outstanding.

I'm paying interest on a 2nd student loan that should not be outstanding because of the Sofi mistake.

Additionally, I'm in the process of purchasing a condo and my credit report erroneously reflects 2 student loans outstanding, which is preventing me from qualifying for my mortgage. I have already sunk nearly {$500.00} with the mortgage application and home inspection. 

I have contacted Sofi ( lender ) and XXXX ( the student loan servicer ) on 2 separate occasions in the last 2 weeks to resolve the matter and provide me with a letter that I can send to my mortgage underwriter explaining the mistake. In both instances, XXXXSofi have failed to resolve the issue. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: OH

Complaint narrative:
No contract with this company or its people they claim i owe the debt to.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a Wells Fargo consumer checking account inXX/XX/XXXX( my first one ) to receive the bonus offer of " $ XXXX of direct deposits for three consecutive months will qualify for a {$300.00} bonus within 45 days of meeting the qualifications. I met the qualifications in the beginning of XX/XX/XXXX( direct deposits were in XXXX,XX/XX/XXXX and XX/XX/XXXX ) and 45 days later had still not received my bonus. I have tried to resolve this for 3 months since meeting my bonus and there is no resolution. They are not honoring their advertised promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XX/XX/XXXX I went to my local Wells Fargo office and wired {$18000.00} to buy a car. I covered the wire by transferring {$7000.00} from my business checking ... XXXX to my personal checking ... XXXX and I wrote a convenience check # XXXX for {$12000.00} to be deposited to my personal checking acct ... XXXX and charged against my personal credit card ... XXXX which had a {$13000.00} limit and a balance of {$110.00} leaving an available credit amount of {$12.00}, XXXX. There was a 4 % fee of {$480.00} which would have left an available credit balance of {$400.00}. The wire transfer occurred without incident, but the convenience check was never charged to my personal credit card ... XXXX. As of XX/XX/XXXX, the available credit is still {$12000.00}. 

XX/XX/XXXX The convenience check was returned NSF, which I do not understand. My business checking account XXXX balance of {$7700.00} was taken to XXXX to cover the NSF . My business credit card ... XXXX was charged {$4200.00} and that amount transferred to my business checking to cover the remainder of the NSF convenience check. Plus other overdraft fees. 

All the above transactions were done in the bank with the full knowledge of the staff regarding the multiple steps that needed to happen. Everything went smoothly and the wire was sent. However, after discovering that my business account went to XXXX, I met with the bank rep on 2 occasions and had a couple of follow up phone calls with him. The problem was being " escalated '' and assigned to a person whose job was to solve these problems. I was told it will resolve itself in 3 days, then 5 days. After 7 days I gave up. To this date, nothing has changed. I have not been contacted by the bank. Today is XX/XX/XXXX. Had my personal credit card ... XXXX been properly charged {$12000.00}, none of this would have happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Accounts are more than 10 years old but still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: AZ

Complaint narrative:
On or about XX/XX/2017, XXXX XXXX XXXX completed an order for XXXX in XXXX XXXX, CA about me. ( Order XXXX XXXX, XXXX XXXX ) In this report were items about me that are outdated, and it being a 'Level 3 ' report, criminal records were disclosed that are more than seven years old plus.

I don't know the scope of 'level 3 ' reports, but this one led to an adverse action taken by the company, XXXX . 
I strongly urged the company to remove said records about me, for I am in the process of paying the courts back all of their fines and fees imposed pursuant to statute and orders, pursuing restoration of my civil rights, and have not been a recidivist. 
I hold a Level 1 fingerprint card with Arizona Department of Public Safety, and this type of information does not accurately reflect my current activities within the public sector and private. 
I will pursue any and all remedies available to me as a consumer including litigation. 
Please kindly reply with your response to my request, as this is not the only report that has led to adverse action against me as an applicant. 
I take great care of patients, clients, and hold the highest level of clearance this state offers for student doctors, and investigators. 
Adverse action was taken by two different employers that included being denied employment solely on the grounds of the existence of this slanderous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Accounts are more than 10 years old but still on my credit report.

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 2018-03-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accounts are more than 10 years old but still on my credit report.

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 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
No contract with them. 
No idea what this is even suppose to be a debt from. Clearly isn't mine.

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 2018-03-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I applied for PayPal 2 % cashback MasterCard and was approved for a starting limit of {$5000.00}. I received the card which clearly states it's a cashback credit card on the back as well as the design for such card. Even the billing statement states all the benefits for such card, which is no minimum redemption amount and no rotating categories. However, I was given the benefits of another card which is the PayPal Extras MasterCard which is based on points and rotating categories. I called their customer service and spoke with one the agents, her name is XXXX, who stated that I earn points plus the 2 % cashback and that the cashback is converted to points. I also spoke with one of the supervisor, his name is XXXX, where he confirmed what XXXX just said. So, I applied for the PayPal 2 % cashback MasterCard and was given the perks of another card which I clearly didn't apply for. Also, If they applied for the PayPal Extras MasterCard, Why didn't I get the correct card design, or how my statement thinks I have the cashback version of the card and at the same time treating it as the Extras version.

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 2018-03-22 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
I went to the ER in XXXX XXXX, thinking my XXXX was XXXX. This was XX/XX/XXXX. I was told that I would not be able to be XXXX XXXX anymore. Long story short, I finally got Medi-cal in XX/XX/XXXX. I have been under the same doctor 's care since XX/XX/XXXX and after being given XXXX XXXX at the ER without insurance and another ER visit months later due to a XXXX XXXX XXXX XXXX, I guess these bills that I could never afford, I though we're paid by MediCal because I filled out the form I was told to contact any hospital, doctor or any other medical service and they would pay it. I never heard back and thought it was taken care of. I did  not get approved for XXXX until XX/XX/XXXXand was given XXXX back pay and only 600+, $ a month leaving me unable to work, pay back my adult sons and every one else who had supported me back for all the burden they went through. I can't afford to pay all the money plus interest on these huge medical bills. I could pay XXXX $ a month but the interest is almost as much as the principle. Now, I am XXXX XXXX XXXX and need more XXXX on my XXXX XXXX and have an XXXX caregiver that helps me for 70 ish hours a month. I need to move out of the RV I rent but I don't know how to get a loan so I can get an easier place to stay and help me to be able to have a XXXX   friendly room for rent or a way to not feel like a prisoner of my own body. I am sorry but do not know what to do.

Company response to consumer: Closed with explanation