vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-02 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: Auto Trakk, LLC
State: MI

Complaint narrative:
I have paid off XXXX completely for the amount that they stated I owe. The amount should have been listed as {$0.00} owed. They continuously report that no payments have been made or it is commonly reported wrong. I no longer owe this company anything and they refuse to report it accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
Despite many attempts to communicate with lender ( via phone and mail ) I'm under impression that I'm a victim of predatory loan practices. For example : Payments continuously applied towards suspense to avoid correct principal applications. 
I was requesting account audit - no response. 
Communication with lender are pointless they are not fulfilled. It seams like customer service is to aggravate and in no way to help. It discourage you to communicate. 
Creating escrows where Lender is breaching a mortgage note. 
Mislead ( requiring flood insurance costing in excess of XXXX which was not required as determined by FEMA ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The credit reporting agencies XXXX XXXX  XXXX XXXX and Transunion XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport

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 2018-12-02 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: NY

Complaint narrative:
The credit reporting agencies XXXX, Equifax XXXX XXXX and XXXX XXXX are in violation of reporting unverified, an unvalidated account on XX/XX/2018 information provided to them by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MI XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts from my credit eport

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 I disputed missing information on my XXXX credit report. I did a disputed with Caliber Home Loans the following is missing on the closed account " Recent Payment Amount '' there should be a pay off amount of {$100000.00} it just shows a simple line. When i disputed this with XXXX  it came back as remains on XX/XX/2018 this account is showing up as a negative item on my credit report. Because of this I've been turned down for a auto loan. If Caliber homes can not fix the missing information on my XXXX credit report im asking for this account to be deleted from all 3 Credit Reports XXXX, XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
In the month of XXXX I realized that my credit report contains an erroneous medical bill on my credit report in the amount of {$9300.00} posted as ; placed for collection on XX/XX/14 by Allied Collection Services representing XXXX XXXX XXXX. 

I was not aware of this debt until I saw this on my credit report. Apparently it was never submitted to my medical insurance I was never notified by the XXXX XXXX XXXX or Allied Collection Services. Thus, I have also turned this matter over to : Office for Consumer Health Assistance ( OCHA ) DHHS, Governors Consumer Health Advocate The above mention agency OCHA contacted Allied Collection Services and requested validation of the above-mention debt. Allied Collection Services then sent an illegible copy of a bill that contained an unknown name ( see attachment ) to the Office for Consumer Health Assistance ( OCHA ).

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 2018-12-02 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: VA

Complaint narrative:
I completed my XXXX in XX/XX/XXXX at New York University, with an outstanding loan of {$97000.00} ( approximately form what I can tell form my navient records ). As of XX/XX/XXXX, I began working for a XXXX XXXX until XX/XX/XXXX. From there I started work for yet another XXXX until today. When the PSLF program was announced, I was hopeful that after XXXX payments my loans would be forgiven. My loan service provider at the time was Sallie Mae ( now Navient ) told me I would be eligible and my previous years of non-profit work would retroactively count towards service as I had been in the Income Based repayment ( IBR ) program before. They informed me that I must submit an " Employment Certification for PSLF '' form from both XXXX which would help to retroactively count my years of public service and go towards my XXXX payments. Both XXXX complied and submitted forms to Sallie Mae ( hereby referred to as SM ) as of XX/XX/XXXX and XX/XX/XXXX respectively ( I have attached in this complaint ). SM also informed me that I would need to enter into a different consolidation program to have my loans qualify, which as of XX/XX/XXXX I thought they had helped me to enter into. It was not until XX/XX/XXXX that I received information that I was actually NOT in the PSLF program that I then spoke to DoE. I was informed that I never was entered into any program and that nothing counts retroactively. Additionally, I was informed that I had entered into the wrong consolidation program. Essentially, all payments made from XX/XX/XXXX - 'XX/XX/XXXX I was paying on interest and the loan amount continued to grow as I was in the IBR plan. I am ( I think ) now in the PSLF program ( for now ) but only since XX/XX/XXXX and have only started paying down the principal as of XX/XX/XXXX. I filed a complaint with my senator 's office in Rhode Island in XX/XX/XXXX, who conducted an investigation and found that while I may be upset with Navient for providing inaccurate & false info, the fact is, I should have filed with DoE, which I was not informed of by Navient and was told that I was following the appropriate course of action. I have dedicated my career and education to economic development in the developing world and thus have worked only for XXXX XXXX XXXX that do indeed comply with the criteria set forth by the PSLF program, but have been given years of misinformation by my loan providers which have likely cost me thousands in additional payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: MO

Complaint narrative:
I resolved the account with XXXX and resolved the account with insurance company experian give me wrong information regards to the account and never honored the deletion letter regarding collection account

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 2018-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I checked my credit report on XXXX XXXX and found a creditor on my report that I don't recognize and did not give authorization to. It was made on XX/XX/XXXX and showing up now and is on my credit report to XXXX. I did not do this nor did I give this financial company authorization to use my report. Thankyou

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
XXXX, XXXX, payments were made by XXXX from XXXX XXXX to Barclays, XXXX says they where paid, Barclays says they returned them why I do not know, I do not have the money, it is in Barclays hands last with confirmation from XXXX, each tells me to call the other. Now I am in default and fees and more late fees, this is a real problem now in the holidays, Please advise, My credit score has been knock down by 100 points. 

I will look to the courts next, Thank you.

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 2018-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc.
State: MO

Complaint narrative:
I spoke to Santander my Creditor regarding my car and we agree if I would pay this bill off with a legal settlement they would removed off of my credit bureau reports. When looking at my credit report its states that I have been late and negative from XX/XX/XXXX until now. I have been trying to speak with them repeating ; they told me that they couldn't do anything to take off this negative reporting off my credit report, but I paid them over {$10000.00} in one lump sum. I have negotiated with them over and over again, even when i paid they still did not help. This creditor is paid and its showing negative on my report and is hurting me a great deal. PLEASE HELP ME

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE

Complaint narrative:
XXXX XX/XX/2018 i send money through XXXX XXXX XXXX dollar but I put wrong account number but it shows complete it suppose to refund I called the customer care they tell that contect with receiver bank I already contact they saying not credit in bank

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: Mr. Cooper Group Inc.
State: RI

Complaint narrative:
Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because Mr. Cooper, formerly Nationstar, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. Mr. Cooper has changed its name but its fraudulent business practices have continued right where Nationstar left off. I hope that you will contact the firm and address this on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Hello, I have been transferring money from my XXXX account into my USAA account, for years now and have never had a problem. About a month ago I transferred over XXXX $ into my USAA account in order to pay off my credit card. Since then, every time I transfer money a hold get put on my account. Right now I have XXXX $ on hold. I transferred that money on XX/XX/2018, it immediately appeared in my USAA account. On XX/XX/2018 that money was removed from my XXXX account. I called USAA to try and resolve the problem, I was told that the hold will not be removed until the XX/XX/XXXX. I was informed that there was nothing they could do, and that it had something to do with the the bank to bank transfers not receiving their money, I fail to see how that's my 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 2018-12-02 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: RI

Complaint narrative:
Mortgage Loan # XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, Rhode Island XXXX I writing this complaint because XXXX XXXX, formerly XXXX, is either fraudulently or incorrectly reporting to reporting agencies that my mortgage payment is late when in fact the payment is not late. Furthermore, there is no outstanding or pending payment required for my account. 

Additionally, my escrow account is incorrect and does not reflect accruals for homeowners insurance. XXXX XXXX has changed its name but its fraudulent business practices have continued right where XXXX left off. I hope that you will contact the firm and address this on my behalf.

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 2018-12-02 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: Choice Recovery, Inc.
State: FL

Complaint narrative:
I checked my credit report and noticed three negatively reporting trade lines from Choice Recovery for {$400.00}, {$400.00} and for {$570.00}. I have no idea where these debts originated. I have never done business with Choice Recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX XXXX, my checking account was a victim of fraud. It was debited {$1400.00} causing an overdraft to that account. I noticed it on XXXX when Overdraft protection kicked in for {$200.00} and I received an email notice of same. 
I immediately went into my account and noticed that there was an entry from XXXX that said Banking Center withdrawal at XXXX XXXX , XXXX . I live in XXXX XXXX, XXXX and was not in XXXX XXXX at XXXX XXXX withdrawing {$1400.00}. As a matter of fact, there was only {$1200.00} in my account when the {$1400.00} was given by a teller to an unknown individual. The teller gave this person more than was even in my account! 
I called XXXX  XXXX XXXX Fraud division on XX/XX/XXXX at XXXX and reported same.They asked if I had my debit card and I replied yes. I was given the following confirmation id : XXXX. I was told it could take 60 business days for them to investigate. After XXXX days ( which was on Friday, XXXX, I received a notice in my email from the Fraud Department. They stated that they had determined that the claim would not be honored because the Debit card and pin were used as ID during the transaction. This is an outrageous result! Given that this was a teller transaction, did they view the camera footage?? What investigative methods did they use? My assumption is that at one of their banking centers someone must have had a way to copy my debit card and pin. I have been a B of A banking customer for almost 16 years and this is how they treat me? Not only did they fail to protect the security of my debit card but they released more money than was even in my account to a criminal. PLEASE HELP!

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 2018-12-02 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: Credit Karma, LLC
State: AZ

Complaint narrative:
XXXX today, I found on my Credit Karma report for 2 vehicles listed in my report that ARE NOT MINE!!!! Please remove at once off my report. Send me new updated report immediately. 
XXXX XXXX XXXX XXXX Vin : XXXX XXXX XXXX 4 door XXXX AND XXXX XXXX XXXX Vin : XXXX XXXX Registered XX/XX/XXXX. These are not my cars and NEVER were my cars.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I checked my credit report and saw a negative item from COMMONWEALTH FINANCIAL Account # XXXX, Balance {$1000.00} and Date Opened XX/XX/2018. I have no knowledge of this debt, as it does not belong to me. My address has not changed, so i should have received a letter in the mail notifying me any debt and giving me a chance to dispute it or take care of it, according to the Fair Credit Report Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 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: Penn Credit Corporation
State: FL

Complaint narrative:
I checked my credit report and saw an account from Penn Credit for {$650.00}, original creditor is City of XXXX XXXX. I never received a letter about this delinquent account via mail, violating the FCRA, which states I'm entitled to a notice giving me at least thirty days to dispute the validity of the account. I have never had an account with the city of XXXX because i have always lived with my husband, and he takes care of our bills. Everything is in his name, so this has to be identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank try to say I owe money and the account is really old date from year 2000

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 2018-12-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MI

Complaint narrative:
About a month ago I applied for one of your credit cards I gave you all my information address date of birth phone number social security number I even gave you my drivers license number a few minutes after submitting the application you said that it was denied because you couldnt verify me so I called the number I spoke to a woman who knew absolutely nothing she said that some automated system said they couldnt verify mean but she couldnt tell me exactly what it was she couldnt verify she suggested I reapply a few days later why I waited a little longer than a few days but I reapplied just a couple days ago Application ID XXXX once again I gave you a ton of information more than what most applications asked for I mean you asked for my employers address you asked for my drivers license information I gave you were off but once again you send me a notification saying you cant verify who I am how was that possible? With all the information I gave you if you cant verify meet what is it that youre missing I answered all of your security questions I know sometimes credit reports can have different things on them but theres no way that twice I answered all those questions wrong I just dont believe it

Company response to consumer: Closed with explanation