vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-27 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: IL

Complaint narrative:
I disputed this item with TransUnion and ask for the contract to prove accuracy because with the information given on the credit report i can't identify the item and they response was that this item is accurate, though i did not received no contract. A item in the amount of {$1000.00} is being reported by XXXX XXXX XXXX on my credit report and i will like this item removed from 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 2018-12-27 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: OH

Complaint narrative:
Dear Credit Bureau, Regarding the following accout ( s ) : XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX  # XXXX I do not recognize ever doing any business with the above companies. There could be a problem with the dissemination of up to date information. Please send me the proper materials on file that has more in-depth documentation for my review. If you can not meet a simple lawful requirement during the 30 days window then the above mentioned accounts should be deleted.

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 2018-12-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: WA

Complaint narrative:
I got repeated calls from a company that only identified themselves as " XXXX '' wanting to discuss a personal issue with me, but before they would discuss it I would have to provide personal identifying information such as a birth date. I refused on the grounds I do not give out such information to strangers on the phone and hung up. These calls persisted and they would never tell me what it was about. At some point I discovered XXXX was a debt collector and called them. I instructed them that pursuant to the Fair Debt Collection Practices Act, XXXX was to ONLY contact me by mail in writing and not to call under ANY circumstances.. They never contacted me by mail, but continued to call, contrary to my recorded instructions. On XX/XX/XXXX I again called XXXX and repeated my instructions, pursuant to the Fair Debt Collection Practices Act, to contact me by mail. I did not receive any mailings, so I called XXXX today, XX/XX/XXXX, and asked if they had mailed me anything. The answer was NO, even tho they had promised to do so on XX/XX/XXXX. 

XXXX is violating the Fair Debt Collection Practices Act by repeatedly calling me after being instructed not to do so.

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX  AND TRANSUNION KEEP VIOLATING THE DODD FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT-TITLE X.

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 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I receive a letter today ( XXXX XX/XX/2018 ) dated XX/XX/2018 thanking me for my request to open a new Citibank account. I did not apply for this account and don't want any financial service from Citibank. This was a fraudulent application. Please see the attached scan of the letter ( XXXX XXXX - Citi Bank 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 2018-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX money ( {$400.00} ) was not credited to my account although deducted from senders acoount.

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 2018-12-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Synovus Bank
State: FL

Complaint narrative:
My wallet was stolen in XXXX with alot of my personal belongings like my ID, social, debit and credit cards, and nowI have some charges on my account that do not belong to me : - {$400.00} on XX/XX/18 from XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ability Recovery Services, LLC
State: NJ

Complaint narrative:
I attended XXXX University online using my post XX/XX/XXXX GI bill. I filled out the proper forms with the schools VA Representative to be sent for validation by the VA education department. The school allowed me to attend the spring  semester of XXXX and never informed me that there was an issue with my funding from the VA. Recently I was contacted by Ability Recovery Services from which I replied by mail with a debt validation letter. In turn they immediately sent another letter stating I failed to respond and that I had ten days to give them {$4100.00} or adverse actions would affect my credit. 
The company has been reported to the States Attorney General and now I am filing a complaint with you. This debt is between the school and the VA. Evidently my correspondence with Ability Recovery Services LLC XXXX. XXXX XXXX XXXX, PA XXXX was not enough to have them investigate who the debt belongs too. Their telephone number is ( XXXX ) XXXX EXT XXXX Attention 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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
In XX/XX/XXXX I began my XXXX studies with the University of XXXX-XXXX XXXX, CA and completed this program in XX/XX/XXXX. 

I began my XXXX  studies in XX/XX/XXXX with University of XXXX and completed my XXXX  studies in XX/XX/XXXX. 

I was also enrolled at the University of XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX, for the for their XXXX  level XXXX XXXX XXXX XXXX, these credits were later applied to a XXXX degree in XXXX XXXX with the University of XXXX-XXXX  in XX/XX/XXXX, I completed this program in XX/XX/XXXX. 

During this time frame I used part of my G.I. Bill for these programs along with student loans. I had a series of health issues that were not resolved while on XXXX XXXX that were later compounded that required me to request a deferment/forbearance of my student loans due to my inability to work. Some were granted to my knowledge whereas others were not, which I continued to resolve. 

Upon careful review and further evaluation by the VA my XXXX rating was increased to XXXX XXXX, which qualified me for the XXXX XXXX XXXX XXXX ( XXXX ) program for my student loans. 

On XX/XX/XXXX DOE directed Sallie Mae/Navient and XXXX/XXXX XXXX XXXX to suspend collection activities on my student loans until they could determine my eligibility for discharge. Effective XX/XX/XXXX, the DOE had approved my discharge of the federal student loans on the basis of my XXXX  XXXX  XXXX  XXXX. 

In closing from the very beginning my student loans were never properly reported, some start dates began before I was even enrolled in school, which I attempted to address with Sallie Mae/Navient. To my knowledge this was never corrected. 

Additionally, I have 24 trade-lines ( student loans ) that are listed as late or in default in excess of 120+/180+ days. In addition to these issues several of these same accounts have exceed their legal reporting periods of seven years, with multiple that are over 10 years. In previous communications via letter I was told that such reports could not be removed due to regulations promulgated by the DOE and the FCRA. Contrary to these assertions, by failing to update previously reported information, Navient-U.S. Department of Education is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America has aggressively started to assess " Monthly Maintenance fees on my account over the past 6 months. Every month they charge {$12.00} to my checking account and {$16.00} to my business account. They chip away and steal my hard earned money slowly this way month after month. Their polices change behind the scenes and their terms and conditions are hidden beneath layers of contractual language. I have been a customer with them over 10 years but over the last 18 months the fee collection has been very aggressive. This is not fair way of doing business. I would like Bank Of America to refund all the Monthly Maintenance fees they charged over since XX/XX/2018.

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 2018-12-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Fraudulent loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
XX/XX/ I singed a contract for the lease of a XXXX XXXX XXXX. During this transaction, I fully disclosed I was XXXX XXXX military. I provided my military Common Access Card, and a copy of my LES which in turn I was given a {$500.00} military discount. Aside from my full disclosure, there are other options for financial institutions to utilize to determine if the borrower is in the XXXX XXXX. During this time, I was offered GAP Insurance for {$990.00} in the finance department. I agreed to this item without realizing this item is prohibited from being offered to XXXX XXXX military under the Military Lending Act ( MLA ). XXXX XX/XX/XXXX I had spoken with the base JAG and was informed since the financial institution did not follow the MLA the lease agreement was null and void. I followed by contacting Toyota Financial Services the same day to discuss the error. I stated the contract was null and void due to a failure on their part to abide by the MLA. I called on two separate occasions. The first person I spoke with only put in a SCRA request and said someone would call me back. I waited about an hour but called again and spoke with a gentleman. He told me that although the GAP is not allowed I have to remove it and resign the contract and if I do not resign the contract and hand in the car then it will be reported to the credit bureau as a " Voluntary Surrender '' and will negatively hit my credit. The problem is the current contract is not binding due to illegally selling me GAP insurance. Toyota Financial Services have threated negative action because of their failure rather than trying to rectify the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH 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 2018-12-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Purchased a {$50.00} XXXX  gift card on XX/XX/18 for a XXXX gift. Daughter checked balance on XX/XX/18 and it was XXXX. Went to store of purchase and they said card was used XX/XX/XXXX in XXXX XXXX while I was at work in XXXX  XXXX CA. 65 miles away. XXXX XXXX   and XXXX  will not assist in any way. Totally bummed for my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: CT

Complaint narrative:
I am attempting a XXXX XXXX Exempted assumption as part of a divorce settlement. I received the property as part of the divorce settlement. The property was quit claimed to me, was made a defendant in foreclosure, even though he was not on the mortgage note. During the mediation process, the servicer, Seterus had to set up an exempted XXXX XXXX assumption process, since they had none, even though it has been the law since XXXX. Over the many months it took for the servicer to set up a process, I was laid off from my XXXX position. I still want to retain the property, maintaining that the I should have been treated as if I was the original borrower, given an unemployment forbearance, with a modification when/if needed post forbearance, consistent with the law, CFPB-2014-0016 12CFR Part 1026 " Application of Regulation Z Ability to Repay Rules to Certain Situations involving Successors in Interest and XXXX XXXX Guidelines The Servicer maintained that the " Ability to Repay '' precludes me, from the exempt assumption. I attempted to clarify with XXXX XXXX   itself. The person reviewing the case did not return multiple calls and made an incorrect determination based on me not being on the original mortgage note. During a subsequent discussion with a supervisor, on XX/XX/XXXX, still seeking clarification, I explained that the note was sold on XX/XX/XXXX ( I was notified XX/XX/XXXX ) to the XXXX   XXXX  supervisor, who was unaware. She then said, during the ensuing conversation, that she was not able to do anything else, since XXXX XXXX did not own the loan any more. This still leaves the XXXX XXXX and the Serterus believing of relevance of " ability to repay '' as a valid reason or not for not allowing an exempted Garn St Germain assumption. 
I am in the process of fighting this pro se, getting it back into mediation in CT. The mediation result should transfer through to new note owner. XXXX XXXX and Serterus need to know they are not processing these transaction correctly however.

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 2018-12-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
I got approved for a modification by my mortgage servicer caliberhomeloans my loan holder XXXX XXXX XXXX i made all my payments never missed a payment from XX/XX/2018 through XX/XX/2018 in XXXX caliberhomeloans notified me they where transferring my mortgage payment over to XXXX XXXX ... XXXX XXXX was to take over my payments XX/XX/2018 caliberhomeloans told me to make the XXXX payment to caliberhomeloans and they would transfer the payment to XXXX XXXX ... .now its XXXX and caliberhomeloans will not transfer the payment and XXXX   XXXX is starting i am behind in escrow and they have to raise my payments ... XXXX XXXX has been holding all my payments in a suspend account not applying my payments. I told XXXX XXXX i made XXXX payment to caliberhomeloans and XXXX XXXX said they would get the money from caliberhomeloans but its XXXX and XXXX XXXX has not solve the problem and stating my payment will go on top of my monthly payment i paid XXXX  XXXX estra dollars to try to solve the problem but XXXX XXXX did not apply theXXXX dollars to my escrow i want to know why caliberhomeloans did not transfer my XXXX mortgage payment and why XXXX XXXX is holding my payments in a suspense account ... ... also i have received caliberhomeloans and XXXX XXXX documents with the same address and same po.box number something is wrong here..can someone please help solve this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
As you know from previous notes i sent to you this has been going on for some time. 
I did have a lawyer who was taking {$750.00} every 3 months from my credit card and i signed paper that he would represent me so Wells Fargo would not talk to me directly. 
33 pages plus bank statements and IRS etc was sent over several months but nothing happened.I started talking to Wells Fargo and and support closure specialist ex, XXXX XXXX and more no response. They told me they would not accept payments from me till I paid them {$21000.00} as i stopped payments as XXXX XXXX told me not to pay unless they lowered the payment, So i ended up with XXXX XXXX ( wells fargo lawyer ) which i go to court and get 30 days? to move out. I told them a few months back that i would pay {$900.00} every month starting mid XXXX but they want all or nothing.As of last week i was leaving messages with Support Specialist to call me back I would start making payments or refinance.I need to get a chance and i will sent them a payment immediately,

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 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX  My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . 
Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX My employer is : XXXX XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX, XXXX, OH XXXX The following addresses are not mine please delete : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with explanation