vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-02 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a TD bank credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my TD bank mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called TD bank and they said I should file a dispute with XXXX and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called TD bank and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc.
State: MI

Complaint narrative:
I receive a collection notice from Southwest recovery service the creditor is XXXX XXXX.I contact XXXX XXXX leasing and they notify me that they do not do commercial loans therefore it is a scam that either someone trying to use with Southwest recovery service to get funds from me. I file a dispute with the credit bureau XXXX and also call them they hang up on me when I give them my social security number and zip code. Took them less than 10 days to investigate this and they stated that the account was accurate and it remain on my credit report I am filing a complaint against XXXX and I will take legal action if necessary. Southwest recovery service is fraudulent scam working with whoever got my information and wants me to pay something that I do not owe.Please follow up. If it helps please contact XXXX XXXX and they will also let you know that been several phone calls on this matter.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: NC

Complaint narrative:
On XX/XX/XXXX, I mailed a letter to the credit bureaus asking them to correct 5 mistakes on my credit report. Over 45 days have past, and I have not yet received a response from XXXX  or Trans Union. They were supposed to respond within 30 days.

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 2018-01-02 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: CA

Complaint narrative:
On XX/XX/2017, I found a fraudulent inquiry on my XXXX  Credit report. I tried to contact Experian to regarding multiple inquiries that I need to have removed from my credit report. I have contacted them via their website ( which wo n't dispute credit inquries ) and their phone number to no avail. Most times I call the line cuts after the prompt asking me for my SSN. I need Experian to contact me regarding getting my credit report updated.

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 2018-01-02 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: WA

Complaint narrative:
On XX/XX/XXXX I inquired with XXXX XXXX for new service. They said they would run a soft credit check to be able to provide service. I was very clear with them that I would not authorize a hard credit check and the representative assured me it would not show on my credit report. 

The HARD credit check immediately showed on my Equifax credit report and I filed a dispute on XX/XX/XXXX.  Equifax returned the dispute saying it was a valid record and refuses to remove it from my report. XXXX XXXX refused to provide any assistance in removing the inquiry. 

I cancelled my service request with XXXX XXXX on XX/XX/XXXX before any services were provided. 

I did not authorize a hard credit check and made it very clear to the representative that a hard credit check was not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
Upon recent review of my credit reports, I noticed a collection account outstanding from XXXX XXXX XXXX ( XXXX XXXX XXXX ) for the amount of {$950.00}. I 've since tried to contact the company to resolve the account on 2 separate occasions asking them to provide proper validation to verify the account as being owned by me as outlined by the FCRA. The account remains unresolved. The first goodwill letter was sent and received on XX/XX/XXXX and the second on XX/XX/XXXX. I 've received correspondence from the collection agency with account statements attached as proof of ownership however nothing that bares my signature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OR

Complaint narrative:
On or about X/XX/2016 USAA Savings Bank incorrectly reported me to XXXX XXXX XXXX that USAA closed my checking account for cause. This is wrong. I closed the account due to lost checks. USAA did not suffer any monetary losses. I demand that this be removed from my XXXX XXXX report. Thank you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tri-Counties Accounts Adjustment Bureau
State: ID

Complaint narrative:
My boyfriend received a call from XXXX XXXX at XXXX XXXX XXXX XXXX at XXXX on XXXX XXXX  2018.      Here is what he told me occurred:




The above was all from him and I am not pleased with them sharing my personal information and i know that it's not legal!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Trustee Attorney, XXXX XXXX XXXX, XXXX XXXX and their subsidiary and Trustee, XXXX XXXX XXXX XXXX ( XXXX ), misrepresented material facts related to the excess proceeds during the hearing ofXX/XX/XXXX. Specifically, XXXX XXXX XXXX, XXXX XXXX misrepresented the amount of the excess proceeds by omitting the interest paid on the principal balance while they were " conducting post foreclosure activities '' and only submitting the principal balance to the California Superior Court, case number XXXX. Also, the Trustee and Trustee Attorney misrepresented the amount of the debt and sold the debt associated with the XX/XX/XXXX Bank of America, N. A. Trust Deed and note for almost {$90000.00} less than the amount actually owed at the time of auction. This was done in order to sell the debt because no one buys a debt if they ca n't turn a profit. If all of the debt was included, it would not have sold at action since the total amount owed would have been equal to the fair market value at the time of auction ( XX/XX/XXXX ). 

Currently, Title has not been transferred on the subject property. I am currently homeless and would like to gain possession of my real property and the interest gained or should have been gained on the excess proceeds while the Trustee Attorney was in possession and control of the excess proceeds for at least six months and all other previously requested desired resolutions.

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 2018-01-02 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: NY

Complaint narrative:
I have a XXXX XXXX credit card. 
They had the wrong address for me and so I was not receiving my bills for a few months.My unit is XXXX and all my XXXX XXXX mail was sent to unit XXXX and I was not getting any of it. Although I tried a few times to get it corrected it took a really long time. In addition I did not have online access since I did n't have my card because it was mailed to the wrong address they had and I needed the card to set up online access. So I was sending payments from my personal bank online bill pay and it took a long time for it to get processed since my bank needed to snail mail the payments out. During this time I had 2 late payments over 30 days less than 60. 
These are the only late payments on my credit report. 
I called XXXX XXXX and they said I should file a dispute with Transunion and get back to them. I did. under file number XXXX. I stated my reason that the address was wrong and so I was not getting my bills. The investigation came back with no changes. 
So I called XXXX XXXX and spoke to XXXX who says her ID is XXXX. And she spoke to her manager. She told me because it was n't a 'bank error ' they could do nothing about it. 
She suggested I file another dispute. She said there was no other department to talk to. 
I pointed out it would be silly to do the very same thing I did and expect different results. 'But nothing Right now I just want to talk to someone who can clearly explain the matter and work with me beyond just telling me to do what I already did. Thank you

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 2018-01-02 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: OR

Complaint narrative:
I have had many issues with Navient during the repayment of my student loans. The phone numbers that they provide in their mailings are often inaccurate. When I call, I frequently get transferred around from department to department. It is not unusual to spend over an hour trying to get to a live person who can help answer account questions. Many of their customer service agents simply hang up on me when I start asking questions. When I email, I get a reply saying to call. 

I have two private loans currently serviced by Navient. I believe that Navient has not appropriately applied the interest rate that I qualified for under the interest rate reduction plan. I have to apply annually for the interest rate reduction plan, and I have qualified for this plan every year since I graduated. 

I also believe that Navient has not appropriately applied my payments to my account. I have to private loans and 8 federal student loans. Payments get applied to the wrong student loans. Navient does not provide a clear way to view how my payments are being applied and does not apply my payments to the correct loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PAY-O-MATIC
State: NY

Complaint narrative:
The customer sevice said that she was going to help me with XXXX and did not assist me. I am still waiting. I have a goverment licence for XXXX and I spoke to XXXX XXXX and told her that I have to register the XXXX XXXX funds for my compensation for my program. She said ok. I explained to her that the XXXX XXXX agent said that the computer device to register the XXXX XXXX funds was at payomatic and that the computer has been there for a long time. The agent told me this in 2015.  Please note that as a licensed contracter, please notify the payomatic director XXXX of my rights to register my XXXX XXXX shareholder funds. XXXX said that she would speak to anyone who can call her to let her know that I am ready for the funds to be released from XXXX XXXX. The XXXX XXXX  agent said that the computer device to register these funds is at payomatic and she told me that in 2015. I  already confirmed with the Federal Trades Commission with proof of funds and I already confirmed with the XXXX XXXX agent XXXX XXXX and she said that my funds are ready to be released as a grant XXXX licensed with the federal government. Please let the payomatic director XXXX know that I am ready to retrieve my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: ME

Complaint narrative:
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act 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 2018-01-02 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: ME

Complaint narrative:
After numourous attempts of dispuit negative information on my credit reports. They have failed to provide me, proof of contracts and proof of my consent of inquiries and negative credit reporting on my report under Fair credit Reporting and Fair Credit Act laws. XXXX has also went as far as, telling me, I can not dispute negative items cause they were already disputed, yet, they have provided me with no proof of permission I have given for inquries, and, proof that, I have contracts with, and, have given these companies permission to report on my credit report, under Fair Credit Reporting and Fair Credit Act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, 2018, I attempted to deposit cash into my landlords account in order to pay my rent for the month of XX/XX/XXXX. Bank of America would not allow me to deposit cash into the account because they informed me of a new policy that prevented me from paying my rent. This policy is discriminatory against lower income individuals whos primary source of income is cash.

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 2018-01-02 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I went to XXXX XXXX XXXX and requested my 3 free annual credit reports. XXXX and XXXX allowed me to see my 2 free annual credit reports, print them and save them in PDF format after asking me security questions that were easy for me to answer. 

My complaint is with Equifax. Their questions made no sense at all and I selected None Of The Above for all of the answers. Either they do not want me to get my free report online or they have some really bad information in their computers. I want the CFPB and Congress to require Equifax to make their online request process simpler and easier like XXXX and XXXX. I really wish our federal government would take over these three companies and secure the information on their computers because none of them can be trusted based on the fraud that has been committed against these companies over the years. At least with the federal government we could have the NSA computer programmers making our credit information secure from foreign governments and hackers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I have recently disputed several accounts ( see attached documentation ) that Commonwealth Financial Systems , Inc. is continuing to reflect on my credit reports. On XX/XX/XXXX, I submitted a complaint to your bureau ( see attached documentation ) regarding the reportings of this company. My case was closed due to their response. After this complaint was filed, I received documentation from them dated XX/XX/XXXX ( see attached ). This documentation DOES NOT SUBSTANTIATE ANY ACCURATE REPORTINGS. 

In my previous requests, I specifically asked Commonwealth to provide me with copies of any papers that show I agreed to pay what they say I allegedly owe them that bore my signature. The paperwork they sent does not reflect my signature on anything. I also asked for copies of all documents sent to me regarding this account. Again, to no avail. The statements sent are dated for XX/XX/XXXX ; however, their letter is dated XX/XX/XXXX. How then are they providing accurate information that is verifiable. Lastly, I requested that they as a 3rd party collection company, prove that the statute of limitations has not expired on the accounts ; again, they sent nothing to prove this. I am requesting as well a copy of any documentation this company has with my signature whereby I granted XXXX XXXX XXXX to share any of my personal information or records with this company if I am indeed the owner of these alleged accounts. 

It is apparent that this company is not able to produce any supporting documentation that meets the criteria for reporting entries per Fair Debt Collections Practices Act. 

DELETE these erroneous accounts from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Re : Over payment on refinancing On XXXX XXXX, 2017 I refinanced my student loans with XXXX and they paid Nelnet {$69000.00}. This is an over payment of {$930.00} of the last principal balance from XXXX XXXX, 2017. I called today and was told that the over payment went towards the loan I still currently house with them. Upon adding the numbers that was applied to that laon the total is {$530.00} a difference of {$400.00}. Now, I understand there was 6 days between the last principle amount date ( of my last payment ) and XX/XX/XXXX to when XXXX paid you for the loans and during that time interest had accrued however I know that {$400.00} of interest had not accrued during 6 days. So where has the missing money gone? and it makes me wonder if anyone else has had this happen to them and have not known about it. It also makes me wonder how accurate all the other books are if they cant tell me where a missing {$400.00} has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02 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: CA

Complaint narrative:
I have tried correcting information with two separate companies XXXX and Transunion. 

Transunion corrected one of my errors but left the other in tact. Since then I have tried making contact with them multiple times, but every time their systems are " down '' and they ca n't process my request. These error need to be fixed but this company shows no interest in upholding their legal responsibility in this matter. 

As for XXXX, their systems have refused to verify my identity. The free credit report they provide does not contain information that they require to file a dispute. I have tried multiple avenues of filing a dispute only to run into an unnecessary roadblock along the way. I believe XXXX is not upholding it 's legal responsibility to consumers by making their system impossible to navigate.

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