vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2018 I called the Mortgage company to help with the setup of my online account profile and to establish the automatic payment on my account. I later found out in XXXX that the autopayment that was supposed to be setup by the mortgage company failed. As a result, a mortgage payment was missed. I was not informed that the autopayment did not process and was only notified by the mortgage company after the payment was 30 days late and they proceeded to start collections. After receipt of a letter from the mortgage company of the nonpayment, I immediately brought the loan current and asked the company to review the customer service calls that I placed to establish the autopayment, but they did not and I further asked that after review that they remove the negative remark from my credit report - due to the fact that the mortgage company employee that setup the autopayment failed to successfully setup the autopayment on my account. I have acted in good faith to try to resolve this with the company, but an unable to seek a resolution of for the company to acknowledge the customer service phone call that was made to establish the autopayment. As a result of the refusal to review the call logs my credit has been negatively affected and I am unable to obtain credit.

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 2018-09-22 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: HEARTLAND PAYMENT SYSTEMS INC
State: IN

Complaint narrative:
XXXX XXXX  has been increasingly delinquent with payments posting to my account ( see XXXX sheet attachment with check payments and date posted to account as well as screenshots of both payment and loan systems ). I would like XXXX to be prompt with payment posting to my account immediately once a check is cashed so that interest does not accrue. 

Payment Index Check Amount Payment Posted to XXXX XXXX XXXX   Payment ID XXXX Check Payment Sent XXXX Check Payment Cashed Difference Between Days Cashed and Posted 1 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 2 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 3 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 4 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 5 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 6 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 XXXX2 7 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -2 8 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 -4 9 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 1 10 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 6 11 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 7 12 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 13 {$75.00} XX/XX/2018 XXXX XX/XX/2018 XX/XX/2018 2 14 {$75.00} N/A XXXX XX/XX/2018 XX/XX/2018 N/A 15 {$75.00} N/A XXXX XX/XX/2018 N/A N/A 16 {$75.00} N/A XXXX XX/XX/2018 N/A N/A

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Minimum interest charge {$2.00}. 
A charge of {$2.00} was debited to my account on XX/XX/2018 and once again on XX/XX/2018 for a total of {$4.00}. I normally pay my balance in full but I was expecting interest to be charged in XXXX because I carried a {$52.00} balance. I requested an explanation about the charge through Secure Online Message and over the phone, but every single time the representatives were insisting in explaining the general rule of being charged interest on credit cards. Today, XX/XX/XXXX, I was able to have the second charge waived because I paid the last statement in full ( my balance on my current statement was ironically {$2.00} only, the amount of the charge ). According to them the charge was referring to an average daily balance of {$7.00} which was outstanding until they receive my payment for the {$52.00} on XX/XX/XXXX. When I, again, requested to see where the Minimum Interest Charge rule is actually written, nobody could direct me to a specific disclosure. Customer service stated they will escalate my complaint. I read  several articles online and apparently Citi was supposed to stop this policy as the company was changing its method of calculating interest because of the new federal credit card law. However, I believe that they completely failed to communicate with customers in a clear way and provide them choices. Quickly waiving the second charge is in my opinion a way to avoid complaints, since the option is available over the phone without even talking to a representative.

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 2018-09-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: B & B FINANCIAL SERVICES INC
State: CA

Complaint narrative:
I HAVE COMPLAINED TO YOU ABOUT THIS LOAN SERVING COMPANY WHO RECENTLY TOOK OVER MY VA LOAN. XXXX XXXX XXXX XXXX 

THE ISSUE NOW IS XXXX XXXX XXXX HAS HELD UP MY AUDIT REQUEST ON THIS LOAN, I HAVE REQUESTED A FULL AND COMPLETE AUDIT YET TODAY I WAS TOLD XXXX WILL NOT GIVE ME AN AUDIT EVEN THOUGH IT IS THE LAW. 

XXXX TOLD ME THIS MORNING THAT COMPLAINING TO CFPB IS A WASTE OF TIME AS THEY ARE USELESS AND HAVE NO POWER OVER XXXX. 

AS THESE PROBLEMS CONTINUE TO EXIST I NOW HAVE NO DOUBT CFPB IS INDEED POWERLESS IF SO LET ME KNOW SO I CAN USE THE JUDICIAL SYSTEM

Company response to consumer: Untimely response
Consumer complaint received 2018-09-22 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: NY

Complaint narrative:
( 1 ) What happened? 

On XX/XX/XXXX and XX/XX/XXXX, I received the depute results Rpt. # XXXX, regarding my Bankruptcy # XXXX. I disputed it as inaccurately reporting. The address on file with the Bankruptcy Court filed XX/XX/XXXX, address is different from the current address I am living. 

The FCRA 609, states that it is a crime not to adhere to their Federal Law 's regarding the slightest inaccuracy in a consumers credit report. The information Reporting with my XXXX Credit Reporting Agency is not the same as the XXXX Bankruptcy Court files. The Bankruptcy Courts do not under any circumstances comunicate with Credit Reporting Agencies or any other 3rd Party Agency. The Credit Bureaus have inaccurate information they do not have complete information, and the FCRA 609 requires the complete information from Bankruptcy Court to be placed in a consumers file, in order for the file to be completely accurate.

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 2018-09-22 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: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
We had mortgage XXXX with Mr Cooper ( formerly NationStar ) and we closed it two months back. Now we are trying to get a home but our credit reports still show that loan as open and it is preventing us from getting a new loan. 
We called them to address the problem but instead of fixing right there, they offered us to send an e-mail to one of their departments. We also sent a message to their support team, but we are still to hear from them. 

We appreciate any help you can bring about this issue. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
LexisNexis is violating my rights as a consumer with regard to a Bankruptcy they are reporting on my consumer credit report and selling said information to the three credit bureaus. I am NOT a victim of fraud and DEMAND a reinvestigation of this dispute. They are in serious violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
This is my third complaint against Halsted Financial Services , LLC . They keep calling me despite my request almost a month ago to stop. I filed complaints which were responded to by XXXX XXXX of Halsted Financial Services , LLC . I spoke with him personally and he assured me the calls would stop. The next day I received 1 call, and today, 5 days later I've received 4 calls within a few hours originating from  XXXX caller IDs. It is my hope CFPB is able to take further actions against Halsted Financial Services, LLC for what I now consider gross disregard of my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I went to the TransUnion website to get a free annual credit report. I have subsequently learned that this is only available at XXXX. The entire time I was at the TransUnion website I thought I was getting a free credit report. At no point did I see that I was signing up for a service that involved a {$19.00} per month recurring fee. They did ask me for credit card information but this was requested in order for them to make sure that I was the subject of the credit report I was requesting, as a form of authentication. I was aware that the credit reporting agencies have been fined time and time again for signing consumers up for services without the consumer knowing it. Even knowing this, and watching out for it, I somehow managed to sign up for a service on their website and not know it for 6 days, until I saw the charge on my credit card statement. I called them to cancel the service, which they claim to have done, but they did not refund the initial charge. At trhe very least this is a deceptive business practice. At worst is is fraud.

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 2018-09-22 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 am a victim of identity theft. XXXX XXXX XXXX listed on my Equifax, XXXX and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I contacted equifax online over 1 month ago to dispute a duplicate account. All the information is the same except the name, one says XXXX and the other XXXX XXXX XXXXXXXX XXXX/XXXX..Equifax came back with results and verified as both correct. I called this past Monday XX/XX/XXXX and talked to XXXX for 45 minutes and submitted another dispute and it came back yesterday as both correct. I called last night XX/XX/XXXX and talked to XXXX and explained the same thing and he submitted another dispute. Equifax spends more time and money sending everything to the XXXX than protecting Americans. I'm the one that has to keep contacting them over and over again, than them just following the FCRA. Also, Evertime u call Equifax they say there system is down..Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Phone calls from this number - XXXX, which is a scam number stating that extended family members have debt and that I am implicated. Most recent call and voicemail received on XX/XX/18 at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
1. Capital One made an offer that promised to pay {$250.00}, if I deposit {$100000.00} into a new Money Market account and keep it there for 90 days.

2. I made a deposit of {$100000.00} on XX/XX/2018 and keep the money there for 3 months ; 3. On XX/XX/2018, I contacted Capital One regarding this offer ; 4. Online chatting representative told me I am not eligible for this offer because I had had another savings account with Capital One ; 5. I did not see such a restriction when I opened the account ; 6. I demanded to see the original marketing material and the agent was unable to provide.

7. I believe they are intentionally lying to avoid paying {$250.00} to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: FL

Complaint narrative:
This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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 am a victim of identity theft. XXXX XXXX XXXX listed on my XXXX, Experian and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX  and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to this matter.

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 2018-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
this mortgage company AMERIHOME MORTGAGE XXXX XXXX XXXX XXXX NJ XXXX MY LOAN NUMBER XXXX HAS MISAPPROPRIATED MY MONEY IN THEIR ACCOUNTING {$170000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$160000.00} ON XX/XX/2018 PRINCIPAL BALANCE ONLINE {$3500.00} DIFFERENCE MISAPPROPRIATED TO SUSPENSE DESPITE MAKING A REPAYMENT TOWARDS PRINCIPAL, PRINCIPAL HAS INCREASED INSTEAD OF DECREASING AND NOT GIVING ANY SATISFACTORY EXPLANATION FOR THIS FRAUDELENT MISAPPROPRIATION AS PER THE ONLINE CHAT TRANSCRIPT WITH THEIR CUSTOMER REP ON XX/XX/2018 ATTACHED HEREWITH BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: MO

Complaint narrative:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2018-09-22 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: MO

Complaint narrative:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX  since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22 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: MO

Complaint narrative:
Please remove the following accounts from my credit report, due to the fact that the accounts are not mines, I been XXXX since 2001. The following accounts are XXXX XXXX XXXX, XXXX XXXX, and 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 explanation
Consumer complaint received 2018-09-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
As of XXXX XX/XX/XXXX, the state of Connecticut mandated Payers ( Banks ) who had business in the state to withhold Ct state tax from Pensions, Annuities or Retirement account distributions of maximal 6.99 %. 
Connecticut residents could tell the Payers ( Banks ) the correct amount of Connecticut income tax to withhold by filling in " Form XXXX '' and sending this to the Payers ( Banks ). 
When I send to my bank what is ALLY BANK the forms for my Required Minimum Distribution ( RMD ) I included also the " Form XXXX '' with my instruction to withhold {$0.00} for state tax withholding. My income is low and the last 2 years I had only to pay a minimum amount of CT state tax. 
Ally bank did totaly ignore to what I had filled in on my " Form XXXX '' and took out 6.99 % from the amount of my RMD. 
It seems very strange that while the state of Connecticut let ALLY Bank thru my " Form XXXX '' not withhold CT state tax, ALLY Bank insist in doing this against my wishes, and in a way ALLY Bank forces me on XX/XX/XXXX, to give the state of Connecticut a loan that I can get back in XX/XX/XXXX after I have filled in my CT State income tax. 
Attached is a file with 3 forms that I send to ALLY Bank to request my RMD from my IRA.

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 2018-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX  XXXX XXXX XXXX Account # XXXX loan is paid off. traded the car in this account should show as paid off.

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 2018-09-22 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: MO

Complaint narrative:
My credit report shows an account and remarks that does not reflect my report accurately. The account in question is an closed account ..XXXX/ XXXX XXXX XXXX with a closed date of XX/XX/2013, and remarks stating card was lost or stolen. I'm asking that this account be removed from my 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