vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-12 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On my Transunion report my 13 Student Loans between XXXX XXXX XXXX College and XXXX XXXX XXXX XXXX College were Transfered to XXXX from XXXX. I consolidated my XXXX loans to XXXX XXXX. Transunion had them as being collection accounts with a XXXX balance. I contacted XXXX who said they were never collections accounts and should be marked paid in full. A notice was sent that the dispute investigation was finished and they were marked collections/paid. I disputed that after calling and letting XXXX know. Transunion said they made their investigation and they were still collection accounts. This is untrue. They are not and never were collections. Transunion then told me they would only be on my credit report til XX/XX/XXXX, that is when 7 years was up so I should not worry about it. The XXXX loans are showing 120 days past due and they should be closed. Not only that but they were rehabilitated, but into general forbearance, and had hardship deference on them. All those actions should have taken any past due balance away. I can not reach an XXXX  customer service rep and the only note in all now 26 of these loans on my reports says dispute investigated, consumer not satisfied. This is not how I was counseled during student loan counseling this would work and XXXX/XXXX never told me the transfer to XXXX. I am tired of fighting these loans.

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 2019-02-12 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: The Phoenix Recovery Group
State: TX

Complaint narrative:
From XX/XX/XXXX until XX/XX/XXXX we lived in XXXX XXXX XXXX in XXXX XXXX, Texas and we signed a 6 month lease that was set to expire XX/XX/XXXX. Upon 3 days after our move-in we noticed that our building had a roach infestation and we asked them to take care of the matter. The apartment allegedly scheduled for an exterminator to come spray our unit for the roaches. However every time the exterminator came the problem worsened and we were told it was part of the process. We endured this problem every day of our lease as roaches were coming out of appliances, crackes/crevices in the wall, outside, etc. and we demanded that they fix the issue immediately. The roaches were not only a health hazard but the chemicals that they exterminator would use for their " roach clean out '' made it difficult for my wife to breathe whenever she was in the unit. Failure for them to repair the issue left us no choice but to end the lease in XXXX and Texas law states that landlords have a responsibility to ensure their property does not affect a residents health or safety. After all of the certified mail and emails we sent them they did not fix our issue and the day before we moved our apartment flooded in both of the bedrooms of our apartment and they did not fix it. Now they have hired Phoenix Recovery Group to collect an amount that we do not owe and we went to court and a take nothing judgment was granted. They have been reporting negative information on our credit reports for the past 8 months and they are going against a judge 's judgement and it is making it borderline impossible to rent another home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I am unemployed, and thus, have fallen behind in my payments. I have received several calls daily from Citizen 's Bank regarding my past due account. On XX/XX/XXXX, I agreed to pay {$130.00} toward my past due amount, which would bring the payment current, and set up a payment plan, which was to commence on XX/XX/XXXX, to pay {$87.00} ( 86 and change ). I was told that as long as I stayed with the agreed plan, I would no longer receive phone calls. 

I received a letter on XXXX, stating I am past due. I also received a call on that day at XXXX XXXX. I was told that I would receive calls until the account was current. I called to their attention that I had an agreement, and that my payment was not due until XX/XX/XXXX, and that I was unable to pay until that time, and they said the calls would stop. I was called AGAIN, on XX/XX/XXXX, where I informed the caller of my agreement, I was told I am still past due, and made a {$100.00} payment. I was told that my case would be put into a queue, and that I would no longer be called as long as I stuck to the agreement. I received ANOTHER call and text after THAT call. I responded to the text by calling in AGAIN. I was now told that the calls will continue unless I send in a Cease and Desist Letter. I am now making a formal complaint. I will send in a C & D letter, but this is ridiculous. I paid what little I can pay. I paid before my agreed date, and I am still getting calls. 

I am XXXX. I am XXXX years old. I have over 20 years experience in my field and a XXXX XXXX XXXX, but getting no interviews. I am doing all I can. I do not need the added stress of being harassed, when I have made an attempt and agreement, in good faith, and that agreement is not being honored. They state that the calls are being recorded -- I doubt that, because they would not continue to call and harass knowing they have been given an agreement. PLEASE HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: FL

Complaint narrative:
To Whom It May Concern : I have previously sent TransUnion a request to investigate an alleged debt on my credit report under the Fair Debt Collection Practices Act. TransUnion simply replied that the account is verified but did not provide the validation to me that was needed to determine if this was actually an accurate claim. I then personally contacted the XXXX XXXX  XXXX XXXX XXXX XXXX and asked for valid verification that this debt was mine. I knew I didnt miss a payment to the power company, for obvious reasons they are always the first bill I pay. All I received from the Collection Agency were term dates of Electric Service spanning from XXXX to XXXX and the alleged charges they claimed I owed {$170.00}. They had nothing to show me that could verify I owe anything. After a bit of research, it was determined that this does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate, incomplete document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone or simply created in human error. Their verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to their Company, because I dont. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s. You should also be aware that reporting such invalidated information might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if this is not deleted from my account within 15 days. 

Sincerely,

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 2019-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX I paid off the balance on my Capital One credit card of over {$6000.00}. I did not receive a bill in XXXX, due to XXXX  balance. In XXXX my statement claims I owe {$19.00} in interest. I called Capital One and spoke with XXXX who said there was nothing he could do for me. I asked to speak to his manager and he transferred me to XXXX ( ID # XXXX ). XXXX informed me that the interest charge was on from the dates of XX/XX/XXXX to XX/XX/XXXX. She refused to waive the interest even though I have been a customer since XXXX. 

Capital One has very shady practices with regards to fees and interest charges. Furthermore, they place absolutely no value on customer loyalty. Beware of getting a Capital One card, you will be hit with hidden fees!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I happened to notice a collection on my credit report by CREDIT SYSTEMS. 
I then wrote the company a validation letter and sent it on XX/XX/2019 by certified mail with return receipt. 
It was recieved on XX/XX/2019. 
I have not yet received a response from this company verifying this collection of debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: IN

Complaint narrative:
We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX  in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX  ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.

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 2019-02-12 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: United Revenue Corporation
State: TX

Complaint narrative:
UNITED REVENUE CORP, account # XXXX is reporting on my XXXX credit file with a debt of {$250.00} that is past due/charged off. I have never applied for credit with XXXX XXXX XXXX nor do I have an unpaid debt. I have requested the company provide me with a signed contract identifying that I am obligated or agreed for a debt but XXXX XXXX XXXX could not produce. I have medical insurance and have no unpaid medical debt. This is Fraud and a violation of the FCRA. Based on what I have researched is that this is a someones Medical debt that has been assigned to me. If not removed, I will proceed to getting legal representation. 
In addition, if this was not fraud, the creditor/third party is violating the Fair Credit Reporting Act by reporting inaccurately. Page 4-40 of the XX/XX/2018 Credit Reporting Resource Guide state that companies who report medical debts must report the actual name of the original creditor in the " Original Creditor Name '' field. I have not been able to identify the original creditor to dispute with them. In addition to a violation of the FCRA this is a Unfair, Deceptive, Act and Practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: NY

Complaint narrative:
I responded to promotion in which if you have a Key Bank Credit Card and you open a Savings Account {$200.00} will be added to your account. I entered promo code and opened account as stated and the {$200.00} was never added to my account. Not sure of promo code but it was on or about XX/XX/2018 that I responded to PROMO. Ive repeatedly reached out to company with no response They did respond to my last email, 'XXXX XXXX stated that the case had been submitted to the Executive Offices that was on XX/XX/XXXX. Have heard nothing since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldridge PIte Haan, LLP
State: GA

Complaint narrative:
I called to clear a judgement in Magistrate court. They asked for the file # and I told them there were two file # s, and I gave them both #. They claimed not to have found those numbers and asked that I give them my SS #, which I did. I told them that it was for XXXX XXXX and it was a filed judgement against me in XXXX County Magistrate court. I have the names of the people I spoke to at Aldridge, Pite, Haan on XX/XX/XXXX. I made a settlement of {$1700.00} on a {$3000.00} ( appx ) debt and the check cleared the bank on XX/XX/31. The very next week when I tried to get a letter stating that the judgement was final, they told me it was applied to another account. I asked for proof that was my acct they applied it to and they said they would ask the creditor to send me proof and I would probably get it within ten days. I can not get this cleared off my records, and I would like to know what legal ramifications there are for this type of scamming. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: GREAT LAKES
State: CT

Complaint narrative:
My Daughter went to XXXX University and she needed a parent plus loan for student aid to help pay for school. I filled out the application once in her freshman year and and during the next 4 years never received the amount that was building up for the loan. She can never repay XXXX in student dept. The XXXX is the amount on the loan associated with the parent plus loan that I have with her. She also has a loan that is in her name only that she also has to pay for now, that loan is for XXXX. 
How can the school in good faith accumulate loans that they know the student can never repay, especially at 8 % federal loan rate. 
I need help to understand the proof the lender has that i agreed to pay all this money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: AL

Complaint narrative:
I was approved for a XXXX XXXX loan modification and had payments due in XX/XX/XXXX., XX/XX/XXXX, and XX/XX/2018. When I called to make the first payment on XX/XX/XXXX ( I had until the last day of the month ) they informed me my house had been sold in foreclosure to XXXX XXXX. I have been battling this with both Loan Depot and with XXXX XXXX ever since XX/XX/XXXX. and have been told numerous times that it was Loan Depot 's fault for not advising the foreclosure dept. They passed me off to different agents this entire time where I would have to explain the situation all over again. They sent out company wide emails while I was one the phone explaining that it was a wrongful foreclosure but nothing has come of it. XX/XX/XXXX XXXX XXXX sold my house to a renovation company and I have just received my 10 day notice to vacate. 
I've learned this is called Double-tracking and it is illegal. I can not find any attorney to help me for some reason. I will fight this till they kick me out of my home but this is my daughter 's home. She was born here. She is XXXX years old. I had $ XXXX in equity in the home but lost my business and had trouble making payments. I though this Flex Mod. was my saving grace and it ended up being the hardest thing I've ever dealt with in my life. Whoever reads this, I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Designed Receivable Solutions, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Designed Receivable Solutions for Designed Receivables failure to provide requested information for the debt alleged. Designed Receivable Solutions have been reporting a negative line item on consumers credit report that is unrecognized by consumer. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 

On XX/XX/XXXX, consumer submit a CFPB complaint after receiving no response from Designed Receivable Solutions. Designed claimed to have not received the letter in a response to the complaint on XX/XX/XXXX, so a second letter was sent on XX/XX/XXXX. On XX/XX/XXXX, consumer received a letter from Designed claiming to show validity for the debt, but it did not provide the requested documentation, including a chain of title showing ownership for this debt. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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: GA

Complaint narrative:
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my Equifax credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report. 

Account Company : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX, Ga. XXXX Thanks, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: SLM CORPORATION
State: NJ

Complaint narrative:
We have requested a statement for the recently disbursed student loan from XXXX so so that we can refinance the loan at a lower rate. The agent stated that the loan does not have a payment due and an interim statement can not be printed. The agent advised that the grace period is 6 months and an official billing statement may not be provided before that time. XXXX XXXX requires an official statement to proceed with my refinance and the existing documentation XXXX will provide is not sufficient for their underwriting guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12 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:
1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) XXXX  and TransUnion are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.

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 2019-02-12 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: LA

Complaint narrative:
1 ) I never gave my permission to be added as an authorized user to the XXXX XXXX XXXX Card that is on my report. 
2 ) Equifax and XXXX are reporting that I am 60 days past due on an account that should not be reporting but also has a {$0.00} balance and {$0.00} past due. 
3 ) I have tried to dispute this and have this removed from my report because it is not my card and I am not late on it.

Company response to consumer: Closed with non-monetary relief