vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-03 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: FL

Complaint narrative:
There is a repossession account reporting against me that I did not open from a company named XXXX XXXX and I was a victim of fraud. I disputed the account and made the bureaus aware of this and when i disputed instead of removing it they added 6 new 30 day late payments to ruin my credit rating. Please see my before and after screen shot of disputes in attachments. XX/XX/2019 is before and XX/XX/2019 is after.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: LA

Complaint narrative:
Failed to show new payments and that account is fully 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 2019-05-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Failed to show new payments and that account is fully paid off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I searched for " free credit reports '' on XXXX. The third search result is TransUnion, which is the site I selected. I filled in a request for a free credit report and the website prompted me to fill in my credit card information. There were no readily apparent terms or conditions, indications, or boilerplate text showing that I would be charged {$24.00} for a subscription ; however, after agreeing to what I believed to be a free credit report, TransUnion attempted to enroll me in a yearly program at a monthly cost of {$24.00}. I immediately canceled the subscription that I never wanted in the first place. I then checked my bank account to see whether I had already been charged. Sure enough, there was a pending charge for {$24.00}. Next, I contacted TransUnion to try to resolve this issue. A confrontational customer service agent told me there are no free credit reports and I agreed to the subscription.

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 2019-05-03 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: LA

Complaint narrative:
Failure to update balance

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 2019-05-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Failure to update balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Failure to remove credit check after they said they would

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 2019-05-03 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: Navient Solutions, LLC.
State: DE

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX EST, I contacted Navient in regards to reducing my monthly payment amount for all 8 of my private loans. The first representative offered no options so I asked to speak to a supervisor. After speaking to a male supervisor, he also offered minimal options and before the call was over he said to me that I should find gainful employment so that I could be able to pay back my student loans. As a consumer, that was totally unacceptable as he does not know my situation. Also, his tone was rude and he offered no real solution to ensure that my accounts remained in good standing. I have always paid my Navient loans and would consider myself a good borrower. After reviewing the Navient website, it offers Extended Repayment and Rate Modification/ Extended Repayment options for private loans but I was told i am not eligible for either. As the phone call continued and the more frustrated I became, I did state that I'm better off letting the account go into collections. According to the supervisor I spoke to, even though I stated I will still pay Navient what I can afford, the supervisor stated I would still go into collections then default. How am I able to go into default if I still would be making payments but I just am unable to pay the full amount? Navient does not offer any working solutions for a borrower like myself to effectively manage their student loans. Their company rather send you to collections and destroy your credit rather than to help you stay current. Currently, my Rate Reduction Program is extended until XX/XX/2019 but I want Navient to offer me a better long term solution to repaying my student loans such as the Extended Repayment for the life of the loan. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: LA

Complaint narrative:
Failure to remove credit check after they said they would

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 2019-05-03 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: LA

Complaint narrative:
Failure to remove credit check after they said they would

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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 Plus Inc
State: LA

Complaint narrative:
Never asked this company to run my credit I told them they could

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: LA

Complaint narrative:
Never asked this company to run my credit I told them they could

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 2019-05-03 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: LA

Complaint narrative:
Never asked this company to run my credit I told them they could

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NV

Complaint narrative:
As shown by previous filed complaints with consumer finance my mortgage has been in default for over 10 years. The investor has changed servicing companies numerous times in that period. 
The current servicer has never provided a certified copy of the note or the deed of trust. The state mediator disallowed the previous servicing company to foreclose on the home for this reason. The investor then hired Bayview Loan servicing and they have scheduled a foreclosure despite the previously mentioned facts. 
They have not followed procedure. They have refused to speak with me or designate a representative. The phone number provided goes straight to a system that is programmed to hang up with it learns my account number. 
It is my understanding that in my state the servicer is prohibited from foreclosing and or collections if the defaulted loan is over 10 years which it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 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: CA

Complaint narrative:
I initially filed a dispute in early XX/XX/XXXXregarded a company that listed are my credit report is listing that the account is in collections when in cact it's in luded in a chapter XXXX   bankruptcy i ask for a investigation on XX/XX/XXXX and ask that transunion provide me with documentation explaining why have the 2 account are no reporting correctly the two accounts in Question are XXXX and XXXXXXXX XXXX XXXX XXXX ... .they have had i er the time specified by the fcra and still have not been deleted 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
Consumer complaint received 2019-05-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Hi, I created an account with Paypal.com almost 15 years ago ( in XXXX ). Since my name can reveal my race ( I'm XXXX ), I used a different name than my real name to hide my race. This was because I thought in general you don't have to reveal your race to anybody. Paypal.com let me create my account which is linked to my bank account and credit card. They let me use it to pay merchants, receive money and withdraw my fund, all under my make-up name. 

This was going fine until XX/XX/XXXX when I sent to my sister US {$5000.00} through the account. Paypal.com then froze my account and has not since let me access my fund of over US {$5500.00}. Now they asked me to provide legal documents to prove my identity ( Paypal.com case id XXXX ). I have complied to their request and provided ( by uploading through their website ) all requested copies of legal documents including my photo driver 's license, utility bill, bank statement, passport, etc., showing my real name, address, bank account information, etc. To this day, they have not let me use my fund from the account. 

I feel like I have been cheated and robbed my money by their system by letting me put my money in the account and then freezing it indefinitely even after I have proved my identity to them. 

Please help me get access to my fund in my Paypal account. Please let me know if you need more information. 

Thank you so much in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: MO

Complaint narrative:
Called multiple times with phone number that was linked with account and was unable to retrieve account. Tried to talk to humans only to be on hold for a very long time or closed. When canceled my account with att they took phone number out of system to where I couldn't pay with automatic system. Never got notice about bill.I was on the phone almost a hour just to talk to someone from XXXX, my XXXX bill has been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/2019 I received a cashier check from the US Bank. The check was sent to me in a response/compensation for a fraudulent activity that happened thanks to the US Bank. I already made a complaint about US bank not handling the fraud that happened to me in a proper way ( complaint # XXXX ). Basically, the manager of tellers of the US Bank in XXXX IL at XXXX XXXX XXXX released my money at the counter on XX/XX/2019 to the unknown person. I do not think at that time the bank nor XXXX ( the teller ) handled the security of my account properly. My money from the account were withdrawn by the fraudulent person. The investigation started. Till XX/XX/19 I had no compensation from the bank, no emergency funds were given to me. Once the investigation has finally closed, I received a check, BUT the check was made to me and my father ( who was authorized on my account ). My US bank account is currently closed and was closed due to security reasons before the investigation ended. Before closing my account I specifically asked if closing the account will make any problems with getting a return check to me. I also asked If my check can be made to ME only, as my father does not live with me. Again, Everyone stated there will be no problem, as I will have a cashier made out only to me. WRONG. I got a cashier check made to me and to my father. I was told by US bank that I can not cash it at their bank ( XXXX XXXX XXXX XXXX XXXX ) as my father 's signature has to be on it. They also told me they can not issue me a new check made out only to me. Even though I am a primary holder of the account. The fraud department also told me they can not issue me a new check made out only to me. It is hard to believe, that it was easy to release my money to someone at the local brach, but as a customer of the bank is so difficult to receive my money back. It is the most unprofessional and untrusty bank I have ever dealt with. No one is held responsible, and I am spending countless hours calling, visiting banks and losing my personal and professional time from work.

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 2019-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: SC

Complaint narrative:
I have been fighting with them for almost 1 year. Back and forth between XXXX and XXXX. They said I was paid In Full again for about the 10th time and now I call AGAIN and they say they need proof again of my equipment return. I have submitted and confirmed it with them multiple times and no exaggeration, talked on the phone for a minimum of 10 hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Sterling Infosystems Inc.
State: OH

Complaint narrative:
During the hiring process with XXXX XXXX, they ran a third party background check via Sterling XXXX XXXX. They provided XXXX with Information that is nine years old and my job offer was revoked based on the old information. The report was requested on XX/XX/2019, my report was complete and given to XXXX on XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On XX/XX/19, received call from Quicken Loans " XXXX  XXXX-NMLS # XXXX '' ( the call was recorded ) stating they've tried to reach me to help reduce my mortgage. After a bit of small talk, she said she'd see if she can help me, but would need to run my credit report. I explicitly told her 'I do not want anything run that will affect my credit ; I am VERY protective of it. '' She told me that it would not affect my score/report, and she's never gotten any feedback that a score would be affected. Warily, I agreed. She went on to 'review ' the report, telling me everything I already knew. I explained to her there's nothing Quicken Loans can do for me and we hung up. 

Within 10 minutes, I received emails stating that my report had been run and the score dropped FROM 771 TO 716!!!! I am furious! I called her manager and emailed her. She apologized. Her manager called me and for 10-15 minutes tried to get me to agree to a loan to consolidate my existing bills. I had to hang up ; to return to work. 

I suspect many people fall prey to their tactics, and I am very disappointed in Quicken Loans. 

Here 's the facts : - No one has ever tried to reach me from Quicken Loans. That's the guise they use. 
- I DID NOT agree to have credit run that would negatively affect my credit score. 
- Now, there's a hard inquiry on my report for a mortgage loan -- I don't need a loan, I plan to pay off my loan in a few years anyway. 

Please post something to people are aware of scrupulous tactics like this. I know better and was literally lied to by Quicken Loans. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Received American Express Serve Prepaid Card in the amount of {$25.00} as a XXXX present. When trying to use the card now, for the first time, XX/XX/2019 there is no balance left on this card. American Express has charged {$5.00} per month for XXXX through XXXX so that there is only {$1.00} remaining. The card was never out of the wrapper until today. It makes no sense that they can charge a fee for a card which is not even out of the wrapper it was sold in. No services have been rendered for which a fee should be charged. This is a rip off from them, getting money for nothing. This is theft by deception for absolutely no benefit. I've called the company and have been told that there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NC

Complaint narrative:
I have had an account with Discover since 2008, and in that time frame I have never missed a payment by more than a few days. Due to unfortunate circumstances ( a school bus hit my townhome ) I found myself the day before closing on a new house and was told I had a 30-day late payment on my credit report. To my surprise they told me it was my Discover card, that I had no idea was late. I am set-up for paperless billing and I had not received a statement, payment due notification, late statement, etc. I reached out to them to explain the circumstance and they claimed I received emails. Additionally the way Discover has set up their online portal if you miss a payment the payment due date doesn't change to " Past Due '' it changes to the next month 's due date, so even after I knew it was late I logged in and had no idea as it was not indicated in my due date. I feel like this is a very deceptive act and is built in a way for Discover to profit on late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
On XX/XX/2019 I went into a SunTrust branch to open an Advantage Checking account. This was after I received targeted advertising on XXXX about a {$250.00} bonus for opening checking account and satisfying the requirements. I requested a code to my email and opened the checking account successfully with that code. 

I was in the process of setting up my direct deposits to this account when I receieved an email from SunTrust offers saying " Thank you for your recent enrollment into the SunTrust Advantage Checking Offer XX/XX/2019. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : To be eligible to participate in this promotion, clients must be U.S. Residents with a U.S. address and a valid U.S. taxpayer ID number. '' During the entire time in branch I was never told that the promotion does not apply to me although I do reside in U.S. with a valid address and possess a valid social security number. My status is a U.S. residents for tax purposes, having met the substantial presence test. I think SunTrust is pulling a bait and switch of sorts : luring foreigners with valid work authorization to open checking accounts with deceptive advertisements then denying the incentives afterwards. Now I am stuck with an account that I can not get out of and no bonus to soften my ordeal.

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