vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX   XXXX XXXX for months.XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: National Student Debt Advisory Corp.
State: NC

Complaint narrative:
Today @ XXXX I received ANOTHER robocall from " National Student Loan debt Forgiveness Program '' @ # ( XXXX ) XXXX. I have repeatedly pushed the correct # 9 to be removed from their list & also spoke with their Customer Service representative asking the same. I have repeatedly told them I Graduated in XX/XX/XXXX & Loan was PAID IN FULL in XX/XX/XXXX.  I always block the number in my phone & delete it. The company changes the number & calls again, this has been going on several months, sometimes receiving 3-5 calls a day. The last time I spoke with CS I told them 1 more call & I would report them. They are very RUDE & HANG UP ON YOU. this morning was that NEXT CALL!

Company response to consumer: Untimely response
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I have the same company calling for both me and my husband and neither of us owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
I have previously sent this company a request to validate the alleged past due record under the Fair Debt Collection Practices Act and all I received was a print out starting from XX/XX/XXXX through XX/XX/XXXX without any past due record. This company is reporting past due history through XX/XX/XXXX! 
This does not meet the Federal Trade Commissions guidelines of what constitutes proper past due validation. 
This company is now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. This erroneous past due information on my credit report is causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. 

This company also failed to : What the past due amount was for : Explain and show me how you calculated the past due amount ( s ) : Provide me with copies of any papers that show I was past due : Provide a verification or copy of any judgment if applicable : Prove the Statute of Limitations of this reporting and amount due has NOT expired on this account in state of Texas : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : Original car TITLE for an auto loan that has been satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: LA

Complaint narrative:
I received the loan back on XX/XX/2018 until now. I have been paying XXXX since XX/XX/2018. The loans was for {$800.00} I have roughly paid {$1700.00} on the loans. They are charging me a 392.827 % interest rate plus a 179.509 % daily rate and I was not aware of that. I spoked with them on XX/XX/2018 about my payment I couldnt make the payment. They still wanted the payment and the next payment. I called XX/XX/2018 and made aware Im charged a daily rate everyday then loan is open. The Loan principle is {$740.00} as of XX/XX/2018 from a {$800.00} balance form XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this charge off on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
Been fighting XXXX and Equifax for three years to report correct information. We supplied XXXX, Equifax and XXXX with a FAXED ( right from XXXX ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX'', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I open checking account at Huntington Bank located at XXXX XXXX XXXX, XXXX, Michigan XXXX. Bank representative opening account was XXXX XXXX XXXX. Deposit was only XXXX dollars with intent established I would add more as it became available dependent on my assets being released to me by Michigan Treasury Unclaimed Property (  MDTUP ). On XX/XX/XXXX Huntington Bank representative XXXX XXXX without giving notice or my approval ordered checks for me plus charged my account {$24.00}. On XX/XX/XXXX due to shortage of funds my account was charged overdraft fee of {$25.00} being it possessed only {$10.00} at time unauthorized check debt was charged. As of XX/XX/XXXX additional overdraft fee was charged due to funds for initial overdraft fee was not available. 

At time all these transactions were made it was unknowing to owner of account unto XX/XX/XXXX. On that date owner of account after XX/XX/XXXX visit to bank where account owner shared information of his information concerning possessing assets at MDTUP was incorrect plus property of municipal bonds were not called ( matured ) plus were still being held by XXXX  XXXX XXXX XXXX XXXX unto XX/XX/XXXX. Thereof account owner desired to obtained secured loan with insured municipal bonds as collateral. Huntington Bank representative acknowledged that bank only did secured loans on basis of cash bank held of applicant. At such time none of account charges were bought to my attention. With bank having refused six digit secured loan on XX/XX/XXXX sought to close account but could not do so with Ms. XXXX in error having created overdraft for account holder. Account number XXXX, XXXX XXXX. XXXX. 

Ms. XXXX XXXX at best abused her authority to order checks I did not desire plus charged those checks to my account. At worst Ms. XXXX XXXX knowingly plus intentionally committed fraud that to this date equal to excess XXXX XXXX dollars charged to me in overdraft fees plus is still growing likely to become felony offense. bank representatives I talked to did not possess authority to correct this condition plus left me to discern that my only recourse for due action is complaint. 
I believe we should remedy this matter without further delay or court action by having Huntington Bank erase debt plus return my XXXX dollars to account plus make it available to me. If bank so desire I possess plus will return in entirety unauthorized checks it forwarded to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-17 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-10-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Todays Date:XXXX To Whom it May Concern : I've just reviewed my credit report and have noticed there are several inaccurate items on my report : XXXX CARD Closed : XX/XX/XXXX In addition, there are credit accounts which have been inactive for more than 7 years. As you know, the FCRA states that all credit older than 7 years should be removed from my report. The following accounts should be removed : XXXX CARD Closed : XX/XX/XXXX Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 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: MN

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I took out student loans for XXXX XXXX. Afterwards, I served in the XXXX XXXX XXXX from XXXX to XXXX. During that time, I told Navient that I wanted to make payments under the Public Service Loan Forgiveness program. The representative assured me that I was making qualifying payments. I learned in XXXX that three of my loans did not qualify for the program and had to be refinanced. I also learned that I was paying a significantly higher payment than I needed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I was charged {$450.00} by XXXX XXXX. This account has been paid off. I contacted XXXX XXXX  4 to 5 times to send me a description of the debt in writing and they have failed to do so. This is still on my XXXX credit report and I would like it removed.

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 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Guild Holdings Company
State: UT

Complaint narrative:
This matter is pertaining to our Mortgage Company Guild Mortgage who has declined to remove our mortgage  insurance even though we have met the required specifications provided to us by Guild when we signed our opening mortgage documents. The conditions were as follows : Two year payment period with no late payments, the 75 % LTV for which I have described the scenario below : On XX/XX/XXXX, I reached out to Guild Mortgage to inquire about removing our PMI as we were previously told that this is something that would be feasible after two years of making monthly payments. Guild requested an email requesting the PMI be removed for which I sent the request on XX/XX/XXXX. On XX/XX/XXXX they requested another email stating that we were requesting an appraisal to be performed on our property for which they received on XX/XX/XXXX. Guild sent a request to XXXX XXXX for the appraisal to be completed. XXXX XXXX charged us a fee of {$600.00} which is more than the usual {$350.00} - {$400.00} that we usually pay. They did the appraisal on XX/XX/XXXX for which I have attached a copy. They denied our request on XX/XX/XXXX ( attached copy of denial ). We sent in a dispute because it is evident that the appraiser of choice used the lowest comps in our area and do not support the current and true value of subject property. Supporting copy of CMA is also attached for your review. 
Once Guild performed a review of our dispute, they were able to raise our property value from {$370000.00} to {$370000.00} which shows that they are in agreement with the dispute of the appraisal, however ; they only lowered the value enough to be able to deny us again on XX/XX/XXXX. I have also attached a copy of the denial letter for your review. 
I have been a homeowner for over 20 years and have never been late on any of my mortgage payments one single time. I am not saying I have never been in a rough spot, but I do what I can to always make ends meet, and make my mortgage a priority. I have paid thousands of dollars in interest to these mortgage companies, not to mention the $  XXXX I had to come up with out of pocket in XXXX so my Condo would not sell as a short sale to keep my impeccable credit history. It is unfortunate that not until now, I realize that these companies are not to take further advantage and abuse people who have worked so hard to keep up with the ever-changing mortgage industry. 
It is why I ask that you respectfully look in to this matter and find out why Guild Mortgage is refusing to remove my mortgage insurance by using mortgage appraisal fraud tactics to lower my property value and charge the extra interest if the MI is not removed. I have XXXX XXXX coming up and my husband will be the only one working for at least a year. Any assistance from you will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax I have disputed this account for 6 months with you XXXX, the XXXX CFPB, FTC, Attry Gen CA No one can get any evidence on this account that I made it or its mine inXXXX I filed a fraud alert as got a pin from the IRS because someone was using my information .Enclosed is copies of responses that show there is nothing. I know you claim you do an investigation but you can n't tell me that these goverment agencies can n't do better than you in a investigation because they get no response also. I contacted the FTC on XX/XX/XXXXby phone they had nothing to report also, REMOVE THIS ACCOUNT FROM MY CREDIT REPORT as you state if it can not be verified it is removed I don't by mean old information you use but by up to date investigtion as these companies have tried .Please do not send me a templetere3sponse THERE'S NO EVIDENCE THAT I MADE OR APPLIED FOR THIS ACCOUNT.REMOVE IT also any response will be forward to the CFPB, FTC

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I hold a Roth IRA with Citizens Investment Services. I am  charged a {$75.00} annual maintenance fee. Due to the high expense in maintaining this account I inquired as to the process of closing the account and I was informed that I would have to pay a {$100.00} account closing fee. However, this fee was not disclosed to me at the time I opened my account. Instead, the customer representative I questioned about this fee informed me that the paperwork I received indicated that additional fees may be incurred and fees are subject to change over time. Using that logic, Citizens Investment Services is not informing customers of fees it can choose to charge at any point in the future without disclosure, which seems to be in violation of the Truth in Savings Act, or at least the spirit thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Set up a new insurance policy and paid the entire premium in full ( effective XX/XX/XXXX thru XX/XX/XXXX ). Advised the mortgage company ( Wells Fargo ) of this and they contacted the insurance company ( XXXX XXXX ) to verify receipt of payment in full. 
Requested escrow analysis to lower payment and was advised that they " still will collect funds for these future payments. '' I responded that this was absurd and I would not be paying double on an insurance policy and that my payment needed to be adjusted. 
This is not fair and I should not have to pay the mortgage company for insurance that has already been paid to the insurance company.

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 2018-10-17 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
" " '' I have disputed this collection on this XXXX XXXX XXXX XXXX for months.XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: U.S. BANCORP
State: MI

Complaint narrative:
XXXX XXXX, US Bank stole {$20000.00} of inventory from my business. XXXX XXXX, US Bank overcharged my business {$15000.00} in closing fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation