vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-05 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: NC

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9 - 13 of the attached from the credit report. These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NV

Complaint narrative:
XXXX XXXX is indicating that I have only made 45 qualifying payments out of the 120 required for the PSLF program. According to my records, I have made 65 qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is reporting incorrect negative information on my credit file.I recently received a copy of my credit file and noticed that Experian is reporting TWO BANKRUPTCIES AS PUBLIC INFORMATION ON MY CREDIT. On XX/XX/2018 i sent XXXX, XXXX and Experian a letter requesting that they investigate or delete disputed items from from my credit report as well as temporarily remove these items from my report during the investigation period. XXXX removed the negative information from my credit file because it was not able to be verified. As of this date Experian have failed to respond to my request The law stipulates that Experian must investigate within 30 days of receiving my letter and respond within 5 days of completing their investigation, AND Experian has not followed the stipulations of the law. Experian have not provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( 1 ) ( 1 ) ( A ). Furthermore, tthey have failed to provide the method of verification required under section 611 ( a ) ( 1 ) ( A ). Please be advised that under section 611 ( 5 ) ( A ) of the FCRA - you are required to " promptly DELETE all information which can not be verified. I may suffer damages because i need to rely on an accurate and complete state of my credit record and demand that you remove the disputed items from my report immediately as they have failed to comply with the law. Otherwise, i will contact the federal trade commission and advise them of their apparent disregard for consumer protection laws.

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 2019-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo is stating that I had opened an account with them. And that my account went overdrawn. That i know owe them almost XXXX I never did any of this and have given them everything they need. Dont understand why they keep calling me over and over in regards to this. Said they spoke with me in XXXX. In XXXX I was in the hospital and pretty much in a delusional state and very ill. I dont remember talking to them and i believe they took advantage of me during this time. Especially given I was not in my right atate of mind when i talked to them. I just want this to stop. I cant keep going on with this

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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I had a service agreement with XXXX XXXX XXXX for several years and suddenly my service stopped working. I called XXXX XXXX XXXX customer support to assist me in fixing the issues but nothing was ever done for months to follow. When I finally did reach someone in customer support they told me I needed to purchase an extra booster to solve the issues with my phones. This unit cost {$300.00}. I refused to purchase the booster due to the fact that my service agreement stated that if the phones were not working, they would fix any issues that needed fixed. Since I never got any of the issues resolved, I took the phones back and was forced to cancel my services with XXXX XXXX XXXX. Consequently, XXXX XXXX XXXX sent me to collections with Sunrise Credit Services , Inc., for the sum of {$2600.00} for early termination fees. ( Please see attached bill dated XX/XX/2019. ) This incorrect reporting is harming my credit scores. ( Please see attached credit report. ) Ive tried to resolve this issue directly with XXXX XXXX XXXX with no success and also with Sunrise Credit Services , Inc . 

Below is the first paragraph of the Service Agreement XXXX XXXX XXXX wherein in clearly states that Most customer concerns can be resolved quickly and to the customer 's satisfaction by calling our customer service department at XXXX. 

My issues were NOT resolved and I was forced to return the phones and cancel my service agreement. It was not my fault that I was sold faulty equipment and I was not notified up front that I would have to purchase a booster unit to upgrade my phones.

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 2019-04-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I refinanced and paid off a car loan that was held by Bridgecrest back in early XXXX of 2019. It was overpaid by aproximately {$130.00} and I have not yet received the refund of the overpayment. Everytime I call they tell me that a check has been sent and verify the address with me but it has been 2 months and I have not received a check. I think there has been adequate time to issue this refund and do what is necessary to make sure I receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I filed for Chapter XXXX back in XX/XX/2009, in the County of XXXX California. I recently noticed after all this time that XXXX  has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX-discharged XX/XX/2009 {$0.00} XXXX US BKPT CT CA  XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy Court XXXX District of California XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 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: CA

Complaint narrative:
I filed for Chapter XXXX back in XXXX of 2009, in the County of XXXX California. I recently noticed after all this time that XXXX   has it listed as if I filed the BK in another county out here in California. From my understanding if anything is incorrect on the listing you can request to have that item removed and that is exactly what I am doing since it is not correct and we are almost at the 10 year mark. At this point all they did was say was the information was validated by their outside reporting system and nothing would be changed or removed at this point. 

I would like to request since the credit reporting agencies are not even the ones that make sure that this information is even correct, and rely on outside sources, that this be removed from my credit report since again I am 5 months from this being removed from my report. 

Here is how they have it listed : You have 1 Public Record Record Type Filing Date Amount Reference Number Court Plaintiff Bankruptcy chapter XXXX XX/XX/2009 {$0.00} XXXX XXXX BKPT CT CA XXXX XXXX And here is the correct information for the court house : Address : United States Bankruptcy XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX, CA 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 2019-04-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO  allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where XXXX XXXX is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. XXXX XXXX. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. 
Thank you!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
I XXXX XXXX am filing this official complaint to get reimbursed XXXX $ from XXXX XXXX and am this complaint also in conjunction of My current financial institution XXXX XXXX Bank XXXX Pennsylvania. I am sure XXXX is operating fraudulent. Upon signing up with their initial paralegal to start proceeding with credit repair I was verbally quoted a specific charge of XXXX $ per month. Then I was contacted by another paralegal to re-evaluate my case. This paralegal quoted a price of XXXX also she said she would transfer me back to customer service to see if they would honor afore said price when I initially signed up for credit repair. I am fully aware that the reason I was contacted the second time was because prior to XXXX charge I had shut XXXX XXXX debit ach for XXXX down. So in turn they reach out again and literally bully me verbally into reopening ACH for a totally different amount per Minth but yet My XXXX XXXX account is being ACH debited from XXXX every two weeks. I dont get it? And then they super imposed my signature to a new contract and XXXX XXXX Believes XXXX. Why? Because XXXX XXXX knows I tried to stop ACH and they are aware that XXXX are literally Robbing people. I wS asked by XXXX XXXX if I wanted to stop transactions on my account? What? And I would be a damn foul to keep that account open so XXXX can go in my account and take more money? The snow ball effect starts then I have more problems with XXXX XXXX overdrafts which are XXXX $ each. 
So very Sincere XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am being harassed by Synchrony Bank for payments showing past due only because of their banks error. 
I have a term powersport loan for a XXXX XXXX through Synchrony Bank. I am on Autopay as confirmed in writing by Synchrony bank. They mis-applied then corrected a {$2000.00} principal pay down made on XX/XX/XXXX, however when corrected and reapplied they put me in arrears and started collection calls, stating my autopay was not scheduled to start until XXXX ( due to the incorrectly posted {$2000.00} ). I have explained this two months in a row to the collectors XXXX on XX/XX/27 and another not so nice collector on XX/XX/27 who were calling me for money, none have acted to resolve this and re-start the autopay. I was unable to reach a supervisor or manager as they transfer you into a queue to wait, one time I waited 15 mins then disconnected, the other time I was disconnected after 5 mins so I have abandoned the effort to speak to someone in management at Synchrony Bank. I also wrote a letter mailed XX/XX/XXXX to XXXX XXXX XXXX of XXXX XXXX XXXX Vehicles regarding the matter. I also called on XX/XX/XXXX and spoke to XXXX regarding the correcting the principal paydown. Synchrony has my confirmed auto payment set up and were drafting payments successfully prior to the debacle with the {$2000.00} principal paydown, they also have my {$2000.00} but continue to harass me for money two months in a row and appears no action is being taken to resolve the matter though I have explained this 3 times now.

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 2019-04-05 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
my partner took a loan from Santander Bank to purchase a new car without my authorization, now Santander is reporting this loan and repossession to the 3 credit report agency on my credit report, i have tried to ask them if they have anything in terms of documents signed by me and this was requested by certified letters but despite my numerous requests nothing was ever received by me, moreover Instead to delete this derogatory information from the credit report they filed a judgment against me on XXXX XXXX for the amount of {$12000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, is fraudulent reporting on my credit as a charge off when this account had been paid in full. XXXX XXXX. They sent me to collection after I called and told them my daughter passed. I was having hardship. Then XXXX XXXX start calling on their behalf and that company was paid in full. And stated that it would be updated/remove from my credit. XXXX, is still reporting fraudulent, information.

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 2019-04-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
On XX/XX/2019 I sent 2 certificates letters ( XXXX and XXXX ) regarding US BANKRUPTCY XXXX AND XXXX listed on my credit reports by them. The Trans union credit bureau needs to provide me with copies all documentation associated with these public 's records accounts bearing either a court order to place this information in my credit report. They passed 30 days I never get replying by them. On XX/XX/2019 I sent another certificate letter ( XXXX ) tell them that they have violated federal law and also fail to provide me in 30 days a copy of any viable evidence, bearing my signature showing those accounts is bearing reported accurately. In this occasion they sent a letter file number XXXX asking for a proof of current mailing address. That answer is totally unacceptable!! They are clearly dilated in giving me the proofs of the veracity of those accounts. Clearly Trans union XXXX XXXX is violating the FAIR CREDIT REPORTING AGENCY PRIVACY LAW ( attached documents to support my complain )

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 2019-04-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
I opened a home equity line of credit with Citizens Bank for the amount of {$170000.00} dollars effective XX/XX/2018. I began to received statements from the bank ( before I even began borrowing ) for substantial increasing amounts of monies. Upon contacting the bank I was told that some of the charges were in error. I became concerned and sent them a certified letter requesting explanation for the charges. In the last statement they sustracted some amount but still the total is substantial ( {$400.00} dollars ) and there is no explanation for them. As far as I know I had no liens or penalties in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CO

Complaint narrative:
My Toyota XXXX is coming off of lease. I had previously calculated the remaining amounts for payments needed based on the Toyota Financial Services Account Management portal. This portal provided an incorrect amount left thus the amount that was calculated I was informed was incorrect. Based on the incorrect information there was a final balance of {$39.00}. I was not notified of this balance. 

Beginning on XX/XX/XXXX, Toyota Financial Services began calling me multiple times per day, harassing my cell phone and not identifying their call via voicemail. On XX/XX/19 I called Toyota Financial Services back to determine why this number kept calling me. The automated prompts identified my account ( multiple ) but I requested an agent as the harassing calls had failed to identify any information associated with Toyota ( including called ID not identifying the business ). 

I reach an operator who refused to assist me. She refused to inform me of why I was receiving the harassing calls. She incorrectly stated she required my FULL SSN to continue when I had already provided enough information for their system to identify my account. She refused to transfer me to a supervisor. I informed the Agent that her company, if it was Toyota Financial Services, was performing harassing calls and I again requested to speak to a supervisor. The agent again refused to push me to a supervisor and badgered me in a harassing and unprofessional manner. 

On XXXX, I was able to answer a call from the harassing number. The harassing calls were being performed by an auto-dialer. The agent provided me information in regards to the harassing calls. I informed the agent that I would check online as she failed to verify who was calling me ( failed to verify her employer ), verify that this situation was correct and move to correct any issues. During the call, I did not realize that the Toyota Financial Services website was providing incorrect information thus I couldn't speak to the validity of the claim. 

I also informed the agent that when calling they needed to leave a voicemail as I had already been harassed by Toyota Financial Services staff and systems. The agent then provided false information regarding Toyota Financial Services legal ability to leave a voicemail. I informed the agent that this information was false and that my prior experience in the financial services and debt management industry provided me with industry knowledge to the contrary. At this point the agent began badgering me and I requested to be transferred to a supervisor. The agent refused to transfer me to a supervisor. I repeated my requests and the agent continued to badger me and refuse my requests. At this point during the agents harassment I hung up the call.

Company response to consumer: Closed with explanation