vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 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: LA

Complaint narrative:
please please please can yall make these bureaus obey the law. when XXXX had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2018-05-29 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: LA

Complaint narrative:
please please please can yall make these bureaus obey the law. when XXXX   had a breech last year all of a sudden I had collections accounts,3 different ss numbers, different addresses, and new opened accounts that didn't belong to me..some information was removed like the addresses, ss numbers but they refused to removed 4 collection accounts they continue to send back verified when I asked them for the method of verification I am constantly ignored by law this is against my rights and against the law .The law states that the bureaus must report 100 % accurate and true information.they refused to verified the accounts below These accounts in question are 1 ) CXXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX MANAGE SOME OF THESE COMPANIES ARENT EVEN LEGALLY ALLOWED TO COLLECT IN THE STATE OF LOUISIANA.  Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I was expressing my right to demand that the bureaus disclose there compliance with Metro 2 and disclose to me all of the documents that they have recorded and retained in there files at the time of this request concerning the accounts that you are reporting in my credit report.

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA because they refused to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.

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 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Bank just closed all my accounts one day without any explanation i contacted them to no resolve My personal checking savings and business checking

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: DE

Complaint narrative:
Submitted paperwork to navy federal credit union of my military status of the SCRA, which caps intrest rates at 6 %. Navy federal has had over a year to fix my accounts which at one time became deliquent due to navy federal restricting access to my account, restristed online access to make payments for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I open up an Bb & t account online for my social sercuity deposit sand get misled by BB & T Bb & t sends me documents US mail and via email regarding my account opening and debit card that I never receive than tell me on the phone that it was never issue in the first place ( my debit card ) I was told to step into a branch via telephone onXX/XX/2018 for additional information after 2 weeks of opening my account which I was never informed in the first place until now ( reguarding new information to sign ( known as a signergure card ) after my account been open I requested XXXX accommodations within this public facilitiy due to the fact I am XXXX   to an XXXX XXXX, XXXX XXXX and can not get up there and can the send it US MAIL. They refused Bb & t customer services My account was open than Bb & t refused to send my debit card after giving me written email that it was order and I shall receive it within 3-5 days but never did Bb & t is now interfering to not send me my debit card noting I need it for my living expenses etal ... ...

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 2018-05-29 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: TX

Complaint narrative:
I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to Transunion as {$32000.00}. How do you have a {$29000.00} increase within 60  days? I did make a phone call to XXXX XXXX when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that Transunion went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.

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 2018-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
i got behind a payment and a half which my payment is XXXX so they stopped taking my payment, i asked for a loan modification and for months they send conflicting letters i would get 3 a day one stating they need another paper another saying they are going to drop the mortgage ins and another saying they denied my request. they never made it clear what they wanted i would take the letters in to the local branch and they were confused. the bottom line they have made it so hard and confusing now that a lawyer has the file and is going with foreclosure they have told me what they need. the problem was a 2nd mortgage and a letter they needed. i have requested they payoff and have the money to pay it off and am doing so then have to get a letter to give to BB & T but they tell me i may not  have time before they put a sale date. i am XXXX a veteran and retired XXXX XXXX   and going through XXXX treatment. i just need 30 days or less 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 explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BlueChip Financial
State: FL

Complaint narrative:
I first received a call on XX/XX/XXXX from a " XXXX XXXX XXXX '' at XXXX. They left a number to call back, XXXX. They were claiming to have a debt from XXXX XXXX for the amount of {$1400.00}. When I had first spoke to one of the representatives, I had asked for written verification of the Debt. They refused stating that they had my information and my account numbers, and that written verification was not needed. 

They right away wanted to settle the matter by obtaining my credit/debit card information, and I informed them that I would need to look through my finances and call them back. They claimed that if I hung up the phone and did not give them that information, that there was a lawsuit that would move forward. My hanging up the phone would have their " System '' automatically take that as a refusal, and the lawsuit would move forward.They also stated that moving forward if I needed to reach them I would need to call XXXX. 

On XX/XX/XXXX they called me twice again, from XXXX, regarding a payment at their office. They stated in my voicemail that if they were unable to reach me, that they will actively seek me at my place of employment and personal home. 

Also on XX/XX/XXXX they called a friend, from XXXX, that I had last worked with 10 years ago. They claimed to be calling from XXXX XXXX XXXX XXXX. They very rudely informed her that they were trying to get a hold of me and were going to take legal action. They also informed her they were going to contact my employer. She replied that was illegal for them to do so, and the company hung up on her. 

On XX/XX/XXXX they also called another friend, from XXXX, and very rudely informed him of taking legal action. He started to ask them questions to make sure they were a valid entity, and they became more rude with him They claimed I used him as a contact, which I would never do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/XXXX I was charged {$4000.00} in NSF and overdraft fees, at Chase Bank. 
Since XX/XX/XXXX it was a total of {$7000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 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: HW Holding, Inc
State: TX

Complaint narrative:
I have been disputing 2 accounts since XX/XX/2018. I reached out to the collection agency and have yet to have received a response. These are not my debts. One amount is for {$3600.00} that started out as {$3600.00} and the other alleged debt started out as {$3200.00} and increased according to XXXX as {$32000.00}. How do you have a {$29000.00} increase within 60 days? I did make a phone call to Hunter Warfield when I first noticed it but never could get anybody on the phone, which is why I asked for help from the credit bureaus initially. I have asked for evidential validation of these accounts ; however I do see that XXXX went and closed these accounts after I requested to either validate them or remove them. I also sent a dispute letter via fax to XXXX. I also requested information since they were adding interest on this account because all third-party debt collection agencies are required by Texas Finance Code, Section 392.303 to provide evidence that they have the authority to collect interest or a charge, fee, or expense incidental to the debt obligation. Also, it is to my knowledge to cease collection as a dispute is being investigated. Substantial amounts of interest were added on as I disputed these accounts. Clearly these are outstanding violations and definitely not protecting my consumer rights. This is absolutely unacceptable. I am hoping that you can help me. I have attached the letters and receipts I sent over. I crossed out my name for my protection. If you need any additional info please feel free to let me know.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Risecredit, LLC
State: OH

Complaint narrative:
An email and phone call were both placed to Rise Credit Customer Service to stop ACH withdrawals. I actually spoke with the customer service rep about the loan being settled ( paid in full ) since I've paid what I have borrowed but nonetheless the ACH withdrawals were supposed to be stopped and I got confirmation via Phone and E-mail that they were but yet I got a notif that my checking acct was overdrawn due to a ACH withdrawal from Rise credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
During a stay at an XXXX XXXX in XXXX IL back in XX/XX/2017, I left a computer laptop charger behind. I contacted housekeeping and asked if it had been found. Was advised it was at the hotel and they would hold as I visit XXXX often for work. About a week later, a package arrived at my home and it was the cord shipped via XXXX. I never requested it to be shipped nor did I authorize any charges rendered by XXXX. The original charge was around {$22.00} they were trying to collect. Now Transworld Systems is attempting to collect XXXX for XXXX invoice # XXXX XXXX XXXX and my file # wth Transworld is  XXXX. 

My wife and I have excellent credit and never late on payments. This charge however was never authorized and I'm upset this was ever sent to collections. This again was never authorized and I expect a resolution. 

I can be reached at XXXX or XXXX XXXX XXXX if you have questions. Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CO

Complaint narrative:
I have student loans thru Navient for XXXX XXXX education. I have fed loans, dept of ed loans, and two private loans. Every month i have had problems with Navient incorrectly allocating my payments and every month they send me letters saying my payments are late, late fees are being applied and my credit score may be affected. I call every month to have this corrected because all my payments are on time. I have never been late in payments. Payments are sent to the correct mailing address and clearly have the correct account numbers on the checks. Normally they correct it once they find their error but this time it was not corrected. I can not get an answer to fix this ongoing problem. I have called since end of XX/XX/XXXX to fix this. No one luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
see attachment " SLS Issues ''

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 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OH

Complaint narrative:
Collection was added to my credit report by XXXX XXXX for {$640.00} on XX/XX/2018 which has already been taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
buyer of our house had his loan not approved but we were not told about it until one week before settlement.Ourt contract was ratified on XX/XX/XXXX and Suntrust sent a pre-qualification letter for the buyer.Within 37 days after ratification, we were supposed to receive another written notification that the loan was going forward.We never received it but the loan officer told the realtors that all was fine and moving forward.We, in good faith, moved out, bought a new place in anticipation of the XX/XX/XXXX settlement date.One week before settlement we were contacted that there would be no settlement and the buyers loan had failed.We feel that there was a misconnect and transparentcy was missing in this transaction and loan process from Suntrust.The buyer received his deposit back because his loan failed.We are left with two houses, total upheaval of our lives and a lot of stress.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
I had an approximately {$1800.00} balance on my account in XX/XX/XXXX, which I paid off in full before the due date. I thought that took care of the credit card. I happened to check back online to make sure the balance was paid off, and found they had charged me an additional {$30.00} interest after I paid off the balance. When I called, they said because I didn't call and ask them the balance, that was normal to charge interest on the balance during the month of XX/XX/XXXX that hadn't been billed, yet. I have never had a credit card charge extra interest after a balance is paid. I told them that made no sense, and they said it is the way they do business. I feel that is the same as charging interest on top of interest and should not be legal. I want my {$30.00} returned. I canceled the card, telling them I did not wish to do business with a company like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: CO

Complaint narrative:
I have disputed the account listed by XXXX XXXX XXXX as balance of {$360.00} showing on a charged off account. The balance and status are showing updates as of XX/XX/XXXX as correctly reporting with no change per previous dispute. There is no way that this account could have been validated or investigated correctly based on this information disputed multiple times. 
There can be NO balance on a charged off account. I want this corrected or removed from my credit report. 
I have been denied credit due to this account reporting incorrectly on 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 2018-05-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Applied with 5 different mortgage bridge loan banks. I have NO debt and started with an XXXX credit score. Every time the bank inquired about my score, it went down. Nothing else changed!! I still have NO debt and pay bills IN FULL every month. Why was my score penalized merely for inquiries?

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