vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I DISPUTED A COLLECTION ACCOUNT FROM XXXX IN THE AMOUNT OF {$14000.00} THAT APPEARED ON MY REPORT IN XX/XX/XXXX. I DO NOT HAVE AN ACCOUNT WITH TBF FINANCIAL NOR HAVE THEY CONTACTED ME NOTIFYING THAT I HAVE AN ACCOUNT WITH THEM. I FOUND OUT THAT THIS COLLECTION WAS ON MY CREDIT REPORT AFTER BEING DENIED CREDIT. I TRIED CONTACTING XXXX TO VALIDATE THIS DEBT BUT I HAVE NOT GOT A RESPONSE. I HAVE DISPUTED THIS COLLECTION ACCOUNT WITH TRANS UNION MULTIPLE TIMES AND THEY GIVE THE SAME RESPONSE, " VERIFIED, NO CHANGE ''. EACH DISPUTE IS COMPLETED BY TRANS UNION IN A FEW DAYS, WHICH LEADS ME TO BELIEVE THAT THEY ARE NOT DOING A FULL INVESTIGATION. I HAVE REQUESTED TRANS UNION MULTIPLE TIMES THAT THEY SHOW ME WHAT METHOD WAS USED TO VERIFY THE COLLECTION ACCOUNT AND THEY DID NOT SUPPLY IT. IN MY LAST ATTEMPT TO GET THIS INFORMATION CORRECTED I SENT A NOTARIZED LETTER ON XX/XX/XXXX ASKING TRANS UNION TO RE-INVESTIGATE THIS COLLECTION AND HAVE IT REMOVED FROM MY REPORT. I CALLED TRANS UNION ON XX/XX/XXXX TO CHECK ON THE STATUS AND THE TOLD ME THAT THE INVESTIGATION WAS COMPLTED ON XX/XX/XXXX WITH THE SAME RESULT ; " VERIFIED, NO CHANGE ''. I AM REQUESTING YOUR HELP TO HAVE TRANS UNION DO A FULL INVESTIGATION AND HAVE THIS XXXX COLLECTION ACCOUNT REMOVED FROM MY CREDIT 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 2017-04-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: UT

Complaint narrative:
I have recorded phone calls where I have requested they not call me and only communicate through the mail. They still continue to call me. I have these calls recorded. I have saved the voicemails where they leave very detailed information on my voicemails and have given my mom information also. They leave messages on my voicemail saying my account is past due and I can get money out if I come down and refinance my loan and tell me how much. They leave me messages on my voicemail saying it is really important they talk to me by the end of the day then give me a time. They harass me constantly and they would even call relatives that are not references and tell them I will not call them back. I have since paid them off but I can prove the harassment and can give the documentation if needed. I have the recorded phone calls where I told them to not call me again and they still would many times a day even after I would talk to them, they would call me a couple times after.

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 2017-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I have no idea who this collection agency is, nor have I received any communication from them other than repeated phone calls that are becoming harassing. This company repetitively calls my phone and has never left a voice mail message. After calling the number back and learning it was a collection agency, I thought it was spam since they have yet to leave a message and blocked the number. However, they continue to call from several different numbers and do not leave a voice mail message anytime they call. This is a brief list of times and dates from 3 different phone numbers they have called from : XXXX : XXXX : XXXX XXXX : XXXX : XXXX, XXXX, XXXX XXXX : XXXX : XXXX, XXXX XXXX : XXXX, XXXX, XXXX This out of control and I am demanding that this company never contact me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
I went to emergency room early Saturday morning to get a pain killer and for XXXX in XXXX 2015 ... ... Doctor said nothing could be done until blood test results provided on Monday ... best to see my Primary Physician on Monday. 
Hospital charged my XXXX account over {$2500.00} for a XXXX visit to ER visit and I did not pay my CO-PAY ... XXXX NO medication was @ hospital. Saw my PCP on Monday and he took care of me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I attempted to file application for a loan modification program, known as HAMP which the deadline was XXXX, 2016. As supported by documents attached, all of the necessary materials that was asked of me was given and submitted to NationStar Mortgage on XXXX 2016. XXXX made sure that I submitted a completed application and submitted the application to Nation Star mortgage on my behalf. Although NationStar wrote me and stated that I did receive a loan modification, the problem is my payment stayed exactly the same. Nationstar wrote that the purpose of the loan modification was to provide immediate financial relief but why would they keep my payment exactly the same if the goal was to provide immediate financial relief? In conclusion, I turned in an completed application on XXXX, 2016 before the XXXX, 2016 deadline and have the attachment to prove it. Secondly, NationStar informed me in writing that my loan was modified but kept my loan payment exactly the same. Furthermore, I would like NationStar to explain how providing " immediate financial relief '' equates to keeping my payments exactly the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I am filing a complaint because I have consistently been unable to log into my PNC financial account. I first contacted them about the issue via email on XX/XX/XXXX. They did not respond until XX/XX/XXXX ( approx ). The woman on the phone told me the login credentials I had set up had " expired '' and reset my password. However, while she was on the phone, I tried to log in and received the same error message that my user name was incorrect. She could not tell me why, put me on hold for 10-15 minutes ( approx ) and then told me the " system was down '' and that she had no idea when it would be back up. She contacted me once the system was up and I was able to log in. The next time I tried to log in, yesterday, only about a week later, I received the same error message that my user name was incorrect ( despite it being the same one I have been using since I opened the account in XX/XX/XXXX ). They are closed for the weekend, the issue is unresolved, and I can not file my taxes until they fix this account issue ( again ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: SC

Complaint narrative:
The lender failed to evaluate this borrower for all loss mitigation options available in violation of Regulation X, 12 C.F.R. 1024.41 ( c ) ( 1 ) ( i ). The lender refuses to review this file for loss mitigation options stating the file has to be submitted 37 days prior to sale - We provided to the lender the last requested docs on XX/XX/2017 - the lender did not recognize the docs until XX/XX/2017 when we were advised that the file was being sent to underwriting on XX/XX/2017 for the review, As of today the lender advised that they did not get the requested docs in-time for the review. Which this is not accurate since all docs needed had been in there office since XX/XX/2017 - the sale date on this loan is set for XX/XX/2017 In addition we request that you suspend foreclosure during this complaint review in accordance with Regulation X, 12 C.F.R. 1024.41 ( g ).

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 2017-04-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Transunion, is not allowing customers to dispute inaccurate information on the credit reports online or via any other way. They are once again in anti-trust violation. They do not have the right to hold this over consumers heads. We have the right to dispute and update inaccuracies on our reports. They refuse to respond, or allow us to fix the reports. I have tried to contact Transunion directly and to deal with this in a professional manner, and they refuse to follow the laws and regulations set forth by US government. Something needs to be done about this. Thanks : )

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 2017-04-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: First Mortgage Solutions
State: SC

Complaint narrative:
Lender is not honoring the locked rate and loan estimate as per initial loan disclosure, as their investor has not agree on manual underwriting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX or thereabouts, XXXX USD was sent to XXXX to send to my bank in XXXX. The exchange rate on the date of receipt was XXXX/USD. Therefore {$130000.00} should have been received by my XXXX Account. Instead only {$120000.00} was received. 

I asked my XXXX bank about the shortfall, but they indicated that the money was received in XXXX, so they were not responsible for the bad exchange rate. I was told by XXXX that either Wells Fargo or XXXX may have been an intermediary on this transaction, but I could not get any details without help. Help was difficult to get, as even though it was my money, the intermediary banks would not speak to me as I was not " their customer. '' I wrote XXXX, President XXXX, and he was responsive. His subordinates helped get in touch with Wells Fargo. Wells was initially unhelpful and tried to obfuscate and blame others in the transaction. I had the good fortune of knowing someone that could read XXXX messages. Eventually Wells Fargo admitted that instead of routing the funds to my bank 's USD correspondent bank, they routed the wire to XXXX first, and took a hefty chunk of my funds in the process. Eventually, Wells did get XXXX to refund about half of the shortfall, but the other half remains unaccounted for.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I 'm writing this letter in regards to the account listed below : COLLECTION BUREAU OF A XXXX This account was already deleted from my credit report. Experian reinserted in my credit report without notifying of this action and giving me 5 days notice. I never received any notification from Experian. 

This same law stated that if you fail to notify me, that it is a violation of the FCRA which carries fines if I decide to pursue litigation on this matter. To avoid me hiring an attorney to enforce my rights, I 'm asking your company to delete this account at once. Please send me an updated credit report within 10 days showing me that that the account above has been deleted. 

If I do n't hear from Experian within that time frame, I will file complaints with the Attorney General 's Office and the Consumer Financial Protection Bureau. I will also hire an attorney to review this matter for 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 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I never worked for any bank or anything associated with a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is incorrectly reporting a balance on my credit report for a XXXX account in violation of the FCRA and bankruptcy law. This account is included in a Chapter XXXX bankruptcy which is in good standing and which requires all collection activity to cease. However, the reporting of a balance by a collector to a consumer 's credit report is considered a collection activity. 
Further, XXXX XXXX is reporting a negative payment status for XX/XX/XXXX and a past due amount of {$9200.00} in error. Multiple bankruptcy court decisions, including re XXXX, Case No. XXXX ( XXXX XX/XX/XXXX ) conclude that debts in a Chapter XXXX bankruptcy should reflect a current status and on-time payments if payment history is reported at all. I am requesting that the item be permanently deleted from my credit 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 2017-04-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I receive 7-9 calls a day but the final straw was on XXXX Sunday after XXXX. I called navient today to let them know they had done this and I was told by a rep named XXXX XXXX that nothing wrong was done. I was with my family enjoying food and on a holiday and was interrupted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TCF NATIONAL BANK
State: FL

Complaint narrative:
This complaint is against Gateway One Lending and Finance. I paid my car loan in full on XX/XX/2017 with a cashiers check. Gateway advised that they would release the lien in three to five days if I paid with a cashiers check. I waited seven days and went to the tag agency only to find nothing had been done. I called gateway that day and was told that they received the payment and should have released the lien. They said they would do it that day and to go back to the tag agency in three days. I went to the tag agency and nothing had been done so I called again. Once again they said they would release the lien and I could get my title. Two days later I called the Florida DMV. The DMV sent me a document showing that the lien has still not been released. This callous disregard by Gateway has cost me three weeks delay in receiving payment for the car I sold since I ca n't deliver the title. 
I had to purchase the new car in cash since I could not trade in the car without the title. Every time I call Gateway I get the run around and false promises. This is an unfair business practice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My retirement account hardship withdrawal is being delayed and processed in a discriminatory manner by a mean-spirited manager at my employer 's third party administrator, Schools First FCU. I originally submitted the hardship withdrawal request request to the custodian of my retirement funds, XXXX which received the same documentation ( attached ) and they issued an approval one hour later by Facsimile. The approval is noted on the first page of their facsimile. That same day, Monday XX/XX/XXXX, I submitted the required forms to my credit union which is also my employer 's Third party administrator of all retirement plans. After two days, a young lady named XXXX called me on Wednesday, XXXX, and informed me that a lesser amount than the {$8100.00} that XXXX had been approved, after I questioned the reasoning behind the lesser amount the hardship request went from being approved at a lesser amount to denied altogether. Since, Wednesday I have attempted to address each concern raised by XXXX in telephone conversations via telephone. However, the manager XXXX keeps insisting on a certain form or " invoice '' that is non-existent in order to approve my hardship withdrawal request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
i reach out to DIVERSIFIED CONSULTANTS reguarding them reporting a debt to my credit report with a complete different social security number, had to call over three times to get the account info so i can call the creditor also was blind transfer to a manager voice mail.who was previous rude as XXXX, without a care in the world.everytime i try to make me pay for another account that was closed out for fraud already in a different state i dont live in..worst experience i every had dealing a collection agency.also i never recvd any calls nor validation of the debt know as validity to dispute this matter before reporting this matter as all..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
History : I have a Credit Report between XXXX - XXXX over the course of more than 10 years. I have a Citibank, XXXX card which I have paid in full month-to-month. In XXXX I mistakenly sent about {$120.00} less payment than required to pay the balance in full. I was charged a fee of {$20.00}. I called Citi, understood my error and accepted the fee. 
The following month of XXXX, I received a statement for payment, with the balance due on XXXX XXXX of {$930.00}... presumably to pay the account in full without interest fee. On XXXX XXXX I paid {$950.00}, an excess payment of {$14.00}. One would presume I would then have a positive balance in my account of {$14.00}, but that is not the case. Rather I was charged interest of {$16.00} as CitiCard charges two full months of interest fees against a overage balance. BUT IT DOES NOT PUT THIS IN A STATEMENT. 
I accept this is in the credit card terms, but IT MUST BE REFLECTED IN THE STATEMENT. 
This is an incredibly deceptive practice that the credit card holder does not and can not visibly know the FULL amount owed. In addition, the direct line staff could not explain the reason for the additional interest, but rather blamed the miscommunication on me as somehow I could not " understand her XXXX accent. '' ( This is a bit of a non-sequitur -- sorry. ) The statement does not reflect the true fees and interest required to be paid to bring the account to full payment, line staff could not capably explain. 

Resolution : 1. Citi did agree to remove charges for both months as I do pay regularly. 
2. I have closed the account. 

But, the real issues remains... hiding of the fees in the statement that should reflect " FULL '' payment required to bring the account into balance. Less aggressive consumers could be charged another two month of fees for not paying the previous fees.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
As a Member of the Class of the XXXX XXXX XXXX XXXX XXXX Breach and ensuing Identity Theft, my wife I and have had to defer all inquiries from debt collectors to this precedent ; none of the debts being collected against us are ours ( save for our first Mortgage, Federal Student Loans and XXXX XXXX XXXX ). Furthermore, I have an LAPD ID Theft Case ( # XXXX ) which needs to be taken into consideration. Together, these cases represent the significant reason why these debts originated and, to wit, why my wife and I should be absolved of them.

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 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
They removed XXXX XXXX AFTER MY DISPUTE INVESTIGATION. OF ALL XXXX ACCOUNTS THAT DO N'T BELONG TO ME. I AM ASKING THAT THEY REMOVE THE OTHER XXXX ACCOUNTS LISTED AS XXXX FROM MY CREDIT FILE. 
ALSO ACCOUNT XXXX XXXX DOES NOT BELONG TO ME. THIS ACCOUNT AS BEEN REMOVED THROUGH XXXX CREDIT BUREAU AFTER THE INV ESTIGATION OF MY DISPUTE. PLEASE CONFIRM THIS STATEMENT WITH THAT CREDIT BUREAU. I have attached proof of certified letter I sent regarding this concern. Also evidence of the REMOVALS that have occurred by EXPERIAN regarding those accounts.

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