vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-19 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: AR

Complaint narrative:
I was contacted by XXXX XXXX XXXX, whom represented XXXX XXXX of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX  XXXX  was not the original third party collector and not the most current but still contacted me as a collector. XXXX  XXXX, aka XXXX XXXX hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: MA

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

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 2020-02-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
I have received several notices in the mail by this company demanding payment in the amount of {$210.00}. I have sent several letters disputing the charges, with both their client and the collection company via mail and fax ). They have never responded to my dispute, instead they keep sending demands for payment. Today, I received a letter from them threatening to post adverse credit information on my credit bureau reports. I also included a cease and desist. I'm also not entirely sure this is from a real debt collection company.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CURO Intermediate Holdings
State: AR

Complaint narrative:
I was contacted by XXXX XXXX XXXX, whom represented Speedy Cash of Texas, they were collecting a debt. We reached an agreeable amount for me to pay monthly for 4 months to settle the debt. I have a settlement letter stating that I paid this debt. However, XXXX XXXX XXXX was not the original third party collector and not the most current but still contacted me as a collector. XXXX XXXX, aka Speedy Cash hired XXXX XXXX XXXX. 
This negative blemish should be removed from my report. It is stopping me from reestablishing a good credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/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 2020-02-19 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX and I am a victim of Identity Theft. I previously submitted a dispute, but it wasn't properly investigated. They completed my dispute without receiving my Police Report and ID Theft Report. The following accounts were fraudulently opened in my name : XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX  XXXX XXXX  Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. 
Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX # XXXX Opened : XX/XX/XXXX Amt. XXXX XXXX XXXX Opened : Unknown Amt. Unknown XXXX XXXX XXXX. 
Opened : Unknown Amt. Unknown The following inquiries were also fraudulently opened in my name : XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I refinanced my house and the closing attorney sent check # XXXX in the amount of {$7000.00} to pay off my car loan with Ally Financial but did not put the account # XXXX on it. Ally told them they didnt get it ( even though they did and sent my a overage refund check then stop payment on it ) so the law firm stop payment & reissued & overnighted check # XXXX on XX/XX/20 in the amount of {$6700.00}. Ally has had this check for over 30 days, the check has cleared but Ally has not posted it to my account. They took additional monthly car payments, still show I owe money and have not sent my over payment reimbursement check or title. Allys consumer resolution department tried to resolve it with their payment center and could not get ahold of anybody due to high call volume & a system change. I have called multiple times and No one can help me at Ally Financial 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 monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XX/XX/2020 I have submitted several complaints about this company and to date they have not responded. They refuse to validate the date, ignore my request for more information as called out in the FCRA continuedly send me excuse about how they purchased the debt but won't send the requested info I asked for and have the right to!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: IA

Complaint narrative:
Hireright provided information about criminal cases that haven't been to court yet, let alone have i been XXXX  of a crime. Hireright also provided a report about my education that they claimed a discrepancy, implying i lied, when in fact, it is their questionnaire that is in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
For the 3rd time since having this car the loan company has taken full payment for the month the loan company then cuts the car off manually so that Im not able to go to work nor take my children to school. Hugh inconvenience to my life and it cost more money from myself. This loan company has also added XXXX dollars to my loan after a year of having the car and never sent me a reason. I am now stuck home and unable to go to work because the company cut the car off. After I made a payment on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
retirement funds were sent to me from XXXX XXXX XXXX  nj i endorsed check check never made it to my bany was stolen and cashed check was drawn on wells fargo who refuses to speak to me XXXX XXXX  says its my problem as check was cashed

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 2020-02-19 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: PA

Complaint narrative:
I am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: KY

Complaint narrative:
XX/XX/2020 I made a {$560.00} deposit into an ATM. My deposit was taken without receipt of being received. Despite the fact that I was extremely overwhelmed that my bill money was now gone without a trace.The bank manager ( XXXX ) was very rude and refused to give me her last name or provisional credit before 10 days as another branch informed me could be done. I have been a member of this bank for over 10 years and in good standing. Through no fault of my own I am unable to pay my bills which have accumulated late fees on top of what I already owe.

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 2020-02-19 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: PA

Complaint narrative:
I am currently in the process of buying a home when I pulled my credit report I was unhappily surprised to see the errors that were listed on my credit report! I submitted a dispute to the credit bureau and in 30 days I got a response back from the credit bureau with an update to the accounts that are listed here these accounts are breaking several rights I have as a consumer and I asked for them to be removed immediately most of these accounts I have never seen before I stated my case when I mailed these letters and I know my rights as a consumer are being violated How are these account reporting such conflicting information and for the credit bureau to update that account with what they say is accurate information where is the proof of that the debt validation how can you just update accounts where are you getting this so-called updated information from?

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 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I deposited a check for XXXX via my camera on Friday the 1XX/XX/2020 at approximately XXXX XXXX  to cover amounts that would come through my acct. since it was a holiday weekend a hold was placed on the funds until the next business day. My bills hit my acct and the bank charged me three fees XXXX knowing that check was on hold. Next my social security check was deposited on XX/XX/XXXX and I was charged yet 4 more fees for in coming bills. When I discussed this with the bank I was told that they would not refund any fees. This bank took XXXX from my cacti struggle to make ends meet and understand that some charges are my fault however I dont believe that it was fair to take this amount of money from me.

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 2020-02-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: ME

Complaint narrative:
On XX/XX/2020 we received a notice in the mail stating we are behind on our mortgage and at risk of default actions. The letter gave suggestions we contact them regarding work out options including modification or short sale. Problem with this is they pull money out of my bank account automatically every 2 weeks for the mortgage payment, we are always paid a month ahead and they pull {$20.00} more a month then what our actual mortgage payment is. I called and was on the phone with the mortgage company for over an hour and they told me they applied my payment to the principal not the mortgage payment causing us to be 2 months behind on our mortgage and facing default and eventually possible foreclosure action. I never authroized this, I never discussed with them doing this and I never asked them to do this. My arrangement with them was to withdraw {$500.00} every 2 weeks from my account for my mortgage payment. There are even months that there are 3 pay periods not 2 so I pay an additional {$520.00} in those months not just {$20.00}. They informed me they are not sure why or how this happened and they would need to look into it but refused to give me contact information for anyone and told me they did not know how long it would take could be at least 5-10 business days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I spent 3 1/2 hours on the phone with Navient last night. I called because I received two email notifications that my request for in-school deferment had been processed. I was supposed to have correspondence in my Navient inbox, but nothing was there. I could see that one of my three private loans was in deferment, but only for 2 months ; the others were not showing a deferment applied. The first customer service representative I spoke with ( XXXX ) kept telling me that those emails came from my federal Navient loans, even though I continued to tell him that I ONLY have private loans with Navient. Once he decided he was done speaking with me he transferred me to the federal loans department. I called back again and spoke with another agent ( XXXX ) who told me that there is a maximum of 48 months that can be used for an in-school deferment. I have had my private loans with Navient ( Sallie Mae ) for over 13 years and have NEVER been told that there is a limit to in-school deferments. After going around and around with her about ONLY having private student loans, because apparently that's how they shirk responsibility for private loans, I asked to speak to a manager. After another lengthy hold, the manager reiterated that there is a limit, and she apologized if no one told me that, but there's nothing she can do about it. Again, she tried to tell me that maybe I was referring to my federal loans. I explained, again, that I have no federal loans with Navient. I asked her where I could see the number of in-school deferment months I had used on Navient 's website, and where I would see how many months are allowed for those requests. She could not tell me. I also discovered that customer service agents with Navient have not been notating my account when I call. The last time she saw that I'd called in was XXXX of last year, which is incorrect. I've spoken with them serveral times over the last 6 months, preparing for the deferment and making sure I knew what I was getting into.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: IN

Complaint narrative:
Being unemployed, I have been doing my best to pay what I can on my credit card bills. I have explained this multiple times to XXXX XXXX. I no longer have a life insurance policy, no 401k, no savings. I have been trying to sell items online to make what money I can. I continue to apply for employment only to face rejection after rejection. And I continue to receive calls from XXXX XXXX, multiple calls. Calls in which the phone will ring. I answer the phone, hello, hello. And then you hear the call disconnect because it has been hung up. Very few calls are received in which an actual person is on the other end. And even those calls are stressful. I continue to explain the situation, and I continue to be told that I have to make payments on line, that my credit union account is not valid. I have told them that I never had an issue previously paying online. But something changed and I have since resorted to purchasing money orders from the post office. Apparently that is being seen as unsatisfactory. I have explained that at least that way I have a record that payment is sent etc. And still the calls. The following is the list from our caller ID of just how many times this is occurring. XXXX / XXXX XXXXXXXX// XXXX/ XXXX XXXX XXXX// XXXX XXXX XXXXXXXX//XX/XX/XXXX0/ XXXX XXXX XXXX// XX/XX/XXXX/ XXXX. XXXXXXXX// XXXX/ XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX//XX/XX/XXXX / XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX XXXX XXXX. XXXX am// XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX XXXX// XXXX XXXX. XXXX// XXXX XXXX. XXXXXXXX// XXXX XXXX. XXXX I am trying to get them paid. But this number of calls is annoying and is causing additional stress to me. Harassment by phone is not helping me. As I stated previously, I continue to apply for employment. I am sending payments to Discover Financial.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My account was shown negative om XX/XX/XXXX and i have till XXXX XXXX to add funds, so i am not overcharged overdraft fees. As of XXXX XXXX i added funds on XX/XX/2020 but PNC bank still charged me overdraft fee despite my account showed as positive at XXXX prior day. PNC took a lot of overdraft fees from me in the past which i did not dispute, but after making a valid attempt to make sure my account was positive on the day, PNC still charged me overdraft fees next day. I also contacted the customer service - despite them having failed BUSINESS rules, they denied to fix this problem.

Company response to consumer: Closed with monetary relief