vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-07 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: SC

Complaint narrative:
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Financial XXXX, Redlining, by US Bank created a health and safety concern for me.

US Bank was fine with me using the card until I spent money at an establishment predominantly patronized by non-white men and women. Then they stopped the card for fraud.

The fraud department was unable to verify me through the automated system so I was stranded in very cold weather in a place where I don't know anyone.

This bank should be investigated for redlining by creating fraud holds more often and aggressively on cards in locations predominantly frequented by persons of color.

If a fraud hold is needed they need to have an immediate call transfer to a live person so that an emergency does not happen like last night.

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 2019-01-07 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I currently have a loan with American Education Services ( AES ) through XXXX XXXX. My loan was disbursed on XX/XX/XXXX for {$33000.00} and I have not missed one payment in almost 10 years. The loan is currently at {$28000.00}. Less than {$5000.00} paid off in 10 years. This has been very difficult on my family and myself, especially since the interest rate has continued to increase over the years. They say I am not eligible for a rate reduction or Public Service Loan Forgiveness. I am a paid career XXXX/XXXX and should be eligible. My expected payoff date is XX/XX/XXXX  which is 30 years of payments. Very cruel and unfair. When I took out the consolidation loan I was not prepared to NEVER catch up on the loan. Making payments above the minimum is just not possible but seems to be the only way to get ahead, which is not right. I have contacted AES many, many times seeking any kind of help or advice without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: SC

Complaint narrative:
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: SC

Complaint narrative:
Its been bought to my attention that I've been apart of a data breach and all that inaccurate negative information on my reports may be a part of that breach. I've been fighting with the collection companies for months on this situation with no satisfaction. I've asked both the companies as well as the credit bureaus to send proof that those accounts belong to me but they refused to. All I ever get are letters stating that the information being reported is accurate and cant be removed. I did not sign contracts with XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Our mortgage transferred to a new service provider around XX/XX/XXXX, prior to transferring in XX/XX/XXXX the Insurance changed and because of it the new provider was paid and the overage from the last insurance in the amount of {$2500.00} was mailed to me. I spoke with two reprentatives who adviced for me to keep that check until the escrow account was reanalyzed so that I would know the full amount to send in as I may need to send more than what was on the check. They both sent the account to be reanalyzed and after calling a third time I was told nothing changed with the insurance so they didn't reanalyze the account. I asked them about the shortage and why the entire escrow as a whole was not reanalyzed and the representative said a request was only made to review the insurance. They have asked for a new request which can take another 3 weeks meanwhile i'm overpaying to the escrow each month because no one on the phone can tell me what my escrow shortage is. How can a mortgage company not be able to analyze an escrow account and why do they make you wait 3 weeks and then on top of that ask the customer to call back and see if the account has already been reviewed. Everything about their escrow process seems very wrong. I asked for a supervisor was placed on hold for 20 minutes and then was told I would speak to a supervisor but instead was transferred to a voicemail of XXXX XXXX, who I'm sure will never call me back. I need my entire escrow account reanalyzed and I need to know what my escrow shortage is so that I can send that it in and the account can be reanalyzed and payment lowered as I am currently overpaying based on them not giving me those new figures. I've been dealing with this for 3 months now and think I have been more than patient.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I did not have enough money in my account when my mortgage payment was presented for {$840.00}. Wells Fargo went ahead and paid the check which put my account into overdraft by negative {$330.00}. I would have never wanted this to happen. Now I am having other fees for other transactions that came through. I was charged another {$35.00}. fee for a {$5.00} transaction that was paid. The {$5.00} transaction would have gone through if they had never paid the {$840.00} transaction when I did not have the money in the bank. I understand that I should have balance my account better. I over budgeted and things happened. I could have just called my mortgage company and made arrangements with them. Now I do not have money to take me to my pay day, I have other transactions coming through that I am getting charged {$35.00} for. This is not fair to me. I do think the bank should be allowed to pay for a transactions that is going to overdraft my account for {$330.00} at least without letting me authorize or approve it first. I have the ATM Overdraft on my account, but it will ask me first if I want to do this and let me know that there is a fee. I would have preferred that the bank would have sent this back with out paying this and not charge me any fees if something else came through, especially for {$5.00}.

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 2019-01-07 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: NC

Complaint narrative:
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

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 2019-01-07 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: NC

Complaint narrative:
This complaint is being made because despite a properly submitted dispute in regards to me being a victim of identity theft and having fraudulent accounts. The major credit reporting agencies are not given me the relief that the law requires in blocking/deleting these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NH

Complaint narrative:
On XX/XX/2018, I called XXXX to inquire about the process to resolve a miscalculation of my payment amount. I had submitted recertification documentation approximately one month earlier, and my loan repayment amount had increased by over 90 % without a corresponding increase in income. I believed then, and believe now, that this was an error. 

During the course of my call to XXXX, I spoke with three separate customer service agents that were unsure of how to help me. I was advised by each of these service agents to upload a letter to my account explaining the situation and why I believed there was mistake. I did so in detail, and received notice that XXXX had received my correspondence on XX/XX/2018. 

In my letter, I cited the published formula used to determine repayment amounts, and included extensive documentation about my household finances. I requested adjustment to my repayment amount, and -- if denied -- I requested a brief explanation as to the math being used to arrive at the figure and/or an explanation as to the reason for the rejection of my request. 

At this point, XXXX has not adjusted my repayment amount, and I have received no response or explanation whatsoever. It has been 4 weeks, which seems like a reasonable window for some sort of a response. ( I followed up with XXXX on XX/XX/XXXX, again requesting a resolution to the issue -- I did not  receive a response to that inqury either. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: TX

Complaint narrative:
During several dates, I have sent certified mail to the credit bureaus asking them to verify the inaccuracies of the information on the bankruptcy they are reporting. On my report, it lists the liabilities and assets being {$0.00}. This is not accurate and you can see this highlighted on the report attached. On several dates, I received the response from the bureau stating they verified the information. I then sent a letter to the XXXX County Court Clerk 's office asking if they verified the information to the bureaus. They sent me a letter stating that they do not provide information to the bureaus. The XXXX creditor was sent a letter for verification and validation and they have not responded to my request and have exceeded the mandatory 30 day time limit. XXXX XXXX was also contacted and has not sent verification. 

My complaint is this, I challenged the Items based upon the inaccurate reporting of the {$0.00} assets and {$0.00} Liabilities on my report for the BK. Pertaining to the XXXX account, they have not responded to certified mail and confirmed verification and validation of their inaccurate reporting. The XXXX XXXX account jumps instantly into 60 day late reporting mark but does not say a 30 day period was breached. I have also added proof that these bureaus are not doing a true verification and supplying relevant proof while not flippantly dismissing the FCRA mandated rules. The bureaus also refuse to provide and form of evidence there for proving their verification. The Bureaus claimed that they had verified the information, when clearly they could not have for two reasons for the BK, 1 ) it is impossible to have a bankruptcy and  have {$0.00} liabilities and {$0.00} assets reported 2 ) the bureaus claimed they verified the information, yet the source of the information sent me a letter that they do not verify information with the courts. Also, I put a Freeze on my XXXX XXXX report yet they used that agency ( NO third party can verify per FCRA ) as a third party. 

This leads me to conclude that the credit bureaus never conducted a reasonable investigation on this inaccurate information for the BK. For the Rise account they have not responded to my request for validation and verification and time has lapsed past 30 days. 

In my certified mail I also requested they remove any inquiries that are not currently associated to any account. The credit bureaus also said they verified the information but can't provide any proof. If they do have proof they have not provided that to me after many requests. 

I would like to have this inaccurate records removed from my credit report as it is reporting inaccurately and incomplete on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Synchrony Bank does financing for XXXX XXXX and other retailers. 
I applied for a 90 day XXXX XXXX  XXXX card for {$420.00} purchase XX/XX/XXXX. 

First Billing in XX/XX/XXXX showed a fee for {$7.00} I called the company on XX/XX/XXXX at XXXX XXXX to inquire. 

I was told the fee was for a credit card protection program I advised I did not enroll in any credit protection program I was told " You were approved at time of credit application and you had to opt out or physically decline the coverage in order to not be billed for it '' I believe that automatically enrolling consumers in any type of purchase program be it insurance or rewards or anything that incurs a fee is a violation of one or more types of consumer protection laws. 

E.G. Along the lines of XXXX XXXX issuing cards without consumer request I believe this company includes a fee based credit security program on all online credit applications and the onus is on the consumer to find it and deselect. The fees are small and the company hopes people are not paying attention and assume the fees are interest or other fees. 

The billing statement identifies the fees on page one as Credits, Fees, Adjustments ( net ) and this is not an obvious identifier to the average consumer. 

I am willing to bet that an inquiry into this companies most often complaints are the prepackaging of fee based products without explicit consumer approval. 


My Name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX The Bank is Synchrony Bank XXXX XXXX XXXX XXXX, Fl XXXX XXXX Note : My fees have been refunded but my inclination is to believe this company puts this product on every single credit application received in advance and hopes consumers wont notice. There is a clear pattern here from Consumer Finance companies in the XX/XX/XXXX and on. Please take a look.

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 2019-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
My checking account was garnished in the amount of {$9500.00} on XX/XX/19, the day my financial student aid was deposited. Bank of Hawaii honored that judgement. Federal law exempts student financial aid, student loans ans SSI from  garnishment. These are my only source of income and no other money is in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: OH

Complaint narrative:
XXXX XXXX XXXX # XXXX this account was settled in full with the original creditor XXXX XXXX! Being a long-time customer, I have managed the acct. responsibly. However during that term I managed to acquire some alleged negative credit items with XXXX.Eventually I look forward to the correct status of this inaccurate account., and as a result your error has a negative impact on my credit rating. Will you please rescind the unverified collection account with the bureaus to assist this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
After sending information to verify myself with my disputes ( XX/XX/XXXX ), TransUnion has violated the FCRA 30-day-to-respond to my disputes. The following items in question  should be removed from my credit report. 

ACCOUNTS XXXX XXXX never late XXXX XXXX   XXXX not mine XXXX XXXX  XXXX not mine XXXX XXXX XXXX XXXX not mine INQUIRIES XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX   XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized

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 2019-01-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XX/XX/2018, I applied for a credit card with XXXX XXXX XXXX and was denied because of the following Credit Reporting Agency : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX formerly known XXXX XXXX? 

I received a letter from Synchrony Bank XXXX XXXX XXXX Fl XXXX denying me credit because of XXXX XXXX. 

I contacted XXXX XXXX and was connected to a automated line. I don't understand how the Federal Government can allow any company claiming to be a reporting agency access to our personal information? Is there any accountability for Reporting Agencies? This is very unfair and critical. Where is our protection? 

They must answer or be stopped from reporting " defamatory '' reports. 
I have excellent credit and want answers, not an automated line.

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 2019-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
When I make extra payments to be applied to the principle they apply it as a payment. I emailed them on XX/XX/XXXX and no one has responded. I also tried calling 3 times and Ive waited on hold as long as 20 minutes and still unable to speak with anyone. I want to make sure that extra payments Ive made in both XXXX and XXXX were applied to the principle only.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Contacted Experian dispute wound up in XXXX XXXX- I have multiple reports open YOU failed to address nor did they! Information still wrong- address- our contact phone number- bankruptcy over 7 years they advised it would be removed. Account balances still incorrect. A number of accounts XXXX or reduced they reflect wrong! All of this has impacted us financially- myself and wife who are listed for all of the same! Credit score advised last month XXXX congrats- when applying for credit XXXX! Very upset our so called " SECURE '' information open to foreigners and may be subject to hacking and YOU do nothing- yes nothing- So where is the " protection? " I want a written reply why! Need change of address and phone number to account. This action has been done multiple times and is still incorrect.

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