vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I already filed a very specific complaint. Experian did nothing.     They sent a proforma reply proving they did not even read the complaint. I have a VERY specific complaint. They said they had no specifics. Here are the specifics, again.     Their  credit score  for me shows : " Open real estate account balances are too high compared to their loan amounts '' This is a quote. It is very specific. Here is my specific reply. I have NO real estate balances!! None. Not a single  XXXX . I have not had any real estate loans since last  XXXX ! It 's  XXXX .     I do not understand why CFPB accepts this kind of reply from Experian. They clearly did not investigate my very specific complaint. They did not even read it to see if there were any specifics.     Very frustrating that credit agencies can operate with complete indifference and impunity and get away with it. They should be fined for 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 explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rubin & Rothman, LLC
State: NY

Complaint narrative:
I found out that  XXXX  has a judgement against me when I was trying to get a mortage ... .I knew nothing of this-it was a complete shock.On  XXXX / XXXX /  XXXX   a judgement was filed in court..I have tried calling and writing  XXXX , and no one answers me -- -- I do n't even know where this debt is from-I became  XXXX  10 years age so I always rent and have only got a car, so there is no big items I bought. There is also some lawyers on the judgement named  Rubin and Rothman  who I also tried contacting and again no answer. The amounts from the  XXXX  also varies. R and R has {$1200.00} per the  court  house -- -- - XXXX   is  a little over {$1000.00} ... ..How can I deal with these people -- Thank-you  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 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX  and  Transunion  are reporting tax liens on my credit report the liens are incorrect and I have no outstanding liability or overdue taxes with the state of Georgia.TYPE Tax lien COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,   XXXX   AMOUNT {$1900.00} PLAINTIFF  XXXX  ACCOUNT HOLDER Individual COURT NUMBER  XXXX  CASE NUMBER  XXXX  DATE FILED  XXXX ,  XXXX  AMOUNT {$4500.00}

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: SC

Complaint narrative:
Back in early  XXXX  I moved to a different area and had  XXXX   XXXX . When I found out  XXXX  could not service my new address I canceled the contract. Knowing that if they could not service my address the contract would be void, I was not worried about paying out the contract. I also had a conversation with a  XXXX  representative that confirmed the same. About  six months down the road   XXXX  with  XXXX  {$850.00} from my checking account without any prior consent or knowledge. They claim that that was the balance of the contract. I contacted them to dispute this since they could not service my address and a representative told me that that must 've been a mistake. However, the only way I got my money back was filing a dispute with my bank. I won the dispute got my money back and all was fine. Then, In  XXXX  I went to buy a home was preapproved to build a house. On the final days they had to pull my credit report which would 've been early  XXXX ,  XXXX  had sent that balance of {$850.00} to a credit reporting agency, dropping my  credit score . It is now placed on my credit report as money owed which clearly I want my dispute and should not be on there. It is falsely on my credit report. I would like to get it removed immediately before I decide to take some other kind of action. Would you be able to help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I am trying to pay extra on my student loan each month but the Navient website does n't allow for it. If I pay ahead it will show as no amount being owed for that month. Plus it will not allow me to split out the extra payment amounts to each loan. My goal is to accelerate the payoff on my smaller loan balance but in order to do this I have to make the payment via the website, then call Navient and ask them to manually split the payment. It seems like an inefficient process plus I feel like they are dissuading me from making extra principal reductions in my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: GA

Complaint narrative:
On  XXXX   XXXX    XXXX   I faxed my police report identity theft report to Transunion because I am a victim of identity theft someone stole my personal information and opened up accounts in my name. I was told by the supervisor by the name of  XXXX  that once they receive my police report they would remove the fraudulent accounts as well as those inquires off of my credit report. Now the supervisor is telling me that they can only dispute the accounts and they are still on my credit report. I am being treated like I am the bad person and the reps were so rude like they do n't even care. Something needs to be done about Transunion tactics because I have been experiencing problems with them since this has happened to 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 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc.
State: AZ

Complaint narrative:
! st Financial Investment Fund is  trying to collect a debt in the amount of {$2900.00} but have ignored my letters requesting proof of the ownership of the account. I have written them letters requesting they send me this documentation several times but my attempts have been ignored, and I get letters stating I owe the debt but they have never proven the debt is mine despite the attempts. I have nothing in my files that would indicate the debt is mine and i ca n't get this company to provide proof of the debt. How many times does a person need to request proof of the debt from these third party collections before something gets done about them? I feel all my efforts were for nothing because that 's what I got from them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On the Experian credit report Dated   XXXX   XXXX   XXXX  , it lists a previous address as  XXXX   XXXX   XXXX   XXXX  in  XXXX  SC  XXXX .Geographic code  XXXX , Address identification ID #  XXXX . There was an application (  XXXX  ) put in for a  XXXX   XXXX  Credit Card at this location earlier this year that  XXXX   XXXX  contacted us on   XXXX   XXXX   XXXX  . We denied applying for this credit card. We had identity theft on our Colorado  XXXX   XXXX   XXXX  for  XXXX . We have never lived or visited South Carolina. This is identity fraud. This is also the origin of our Colorado  XXXX  tax fraud.

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 2017-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Branch to ok a deposit on Friday   XXXX   XXXX   at  XXXX  It was a check from a  Suntrust Account  into a/my Suntrust Account, listed immediately as Pending but available on my account.   On Saturday the deposit was not listed  in Pending or Credited on  my account.   I called Customer Service  XXXX  number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday.     On Monday  XXXX   XXXX , I phoned the branch ( at  XXXX  opening ) that made the deposit and the Head Teller was too busy to research it for  two h ours, according to the Branch  Manager   XXXX   XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at  XXXX .    Attached Screen  shot shows it was Credited on my account and the time on  XXXX   XXXX .     On Tuesday  XXXX   XXXX , at  XXXX   XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account.   Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished.     I phoned the  XXXX   XXXX  Customer Service  Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the  Branch  where the deposit was made but that they were not open at the time.     I phoned  Suntrust Branch  where deposit was made at  XXXX  opening, and was informed the    Branch Manager was not at work yet and they did not know what time   she would arrive. I spoke with the  Head Teller  who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold.     As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within  Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.

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 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
My name is  XXXX   XXXX   XXXX   XXXX , and sadly I have had to file numerous FTC Complaints against my Bank  USAA  XXXX   XXXX   XXXX  . I have had more problems with  USAA  in the last  3-4  years than I have had since I joined when I was   XXXX -years  old. I have had to file complaints ranging from not updating accounts accurately to Credit Card issues that I have never, ever had before! Currently  USAA  via a contracted Mortgaging Company-  XXXX   XXXX    is not taking my monthly Mortgage Payment automatically out of my USAA Checking account on the  XXXX  of every month as I signed up for. I was led to believe that the previous  USAA  contracted Mortgage  Servicing Company ,   XXXX    ( sp ),  was not doing a good job an d USA  A had numerous customer complaints and this is why they switched me to   XXXX   XXXX   I have recently learned, via talking to USAA Mortgage Servicing Agents, that USAA has ab out  4  Mortgage Servicing Companies contracted and I believe  XXXX  is still one. I had no issues with  XXXX , as they took my payment out religiously on the  XXXX  of every month regardless of weekend or holiday. I have talked with everyone at USAA there is to speak with and  XXXX   XXXX  and this issue has never been resolved. All I have ever gotten is excuses, and as of this morning at  XXXX   CST   XXXX   XXXX  has still not processed my Mortgage Payment. I once again called USAA this morning and spoke with a  XXXX  in  USAA Mortgage Department and once again told her USAA nee ded to get this fixed- but have very little hope of that as have already complained enough. Any assistance you can render would be appreciated, as not taking out a Mortgage Payment of over   XXXX dollars  a month, when scheduled makes it difficult to manage ones finances properly. Thank you in advance for any assistance you  may  render in this matter!      XXXX   XXXX   XXXX   XXXX   XXXX .

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PROFESSIONAL COLLECTION SERVICE, INC
State: AZ

Complaint narrative:
My complaint is against  Professional Collection  Services. They are trying to collect  XXXX  debts in the amounts of {$330.00} and {$1000.00}. I have searched my personal files and have found nothing that would indicate I owe this debt. I have requested they send me proof of the debt but to date they have ignored my request and keep sending letters stating I do owe the debt. i have received no proof that I have requested. How can a third part try to collect on debts when they have no idea if it 's a real debt or not? They can insist a person owes the debt but can offer up no solid proof of the debt. This is not acceptable. They ca n't just expect a person to pay a lot of money without proof of the debt..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
Debt is in the amount of {$960.00} an was Disputed with all  XXXX  credit Bureau's..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: MS

Complaint narrative:
I am writing to complain about the process to remove PMI from my loan. I contacted  PNC twice regarding cancellation, once when my LTV  was below 80 % and once when it was below the automatic termination amount at 77.4 %. Each time they send a notice in the mail requiring me to pay {$500.00} for an appraisal to a company the OWN.   This is a total violation of  UDAAP in that when reviewing and signing the PMI notification on the original loan documents, it is not clear that even upon the automatic below 78 % LTV  is reached, that the amortized date is also required to be met. It is even extremely deceptive when the sale price of the home versus the actual appraisal amount at the time of sale is used, thus squelching the idea of negotiating a good deal for the consumer. Where is the incentive to pay down the principle and try to get ahead. I am  XXXX   XXXX   XXXX  and will be  XXXX  in 2 months and trying to get this extra {$160.00} amount for PMI removed from my loan is threatening my ability to retire.   I could understand I the  LTV had not been met, or maybe even the requirement for a new appraisal, however when the requirement is mandatory through a company that PNC owns, there is obvious collusion. I believe th is issue was the intent of the CFPB 's existence is the first place versus it 's other nefarious intrusions in the financial community, but I am afraid the big banks will continue to be protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I went to get services with  XXXX , my first attempt took over an hour and resulted in me having to leave for a prior engagement without getting anything completed due to their customer service lack of knowledge and ability to do their job. They pulled my credit even though nothing was accomplished, which I told the CS  rep an d asked her to remove it and she said they did not pull my credit, which was false as I have credit monitoring, which I told her and she just did n't understand. So I get back later that day and try again but made sure to talk to someone to let them know they already pulled my credit, they said they would need to again. I said absolutely not and ended up doing the security deposit option instead. As no services were rendered under the first pull and I ended up using the security deposit option, this inquiry should be removed. I understand applying for credit and being denied, but in this case there was no denial of service just incompetence on  XXXX  side. Please have the company remove this fraudulent inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WV

Complaint narrative:
XXXX   XXXX     Navient refused to continue my forebearance due to my being  XXXX  ; Now my SSD check is being offset by 15 % for defaulted student loans ;  Navient says I may  not have forebearance ... .HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX   purchased auto part from  XXXX  for  XXXX  Part did not match website description  XXXX   XXXX   XXXX  from merchant  XXXX  Returned to merchant and signed for via  XXXX   XXXX   XXXX  email support @   XXXX    asking about refund, no response  XXXX  Opened dispute with bank  XXXX  Closed after vendor promised refund  XXXX  Refund never issued, Re-activated claim  XXXX  followed up with bofa, refused to provide information on how to proceed

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Debt was sold to a collection  Agency  and is not mine nor accurate ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: KY

Complaint narrative:
I took out a loan for  XXXX  but the finance charges are so ridiculously high that I ca n't sustain the payments. I feel these predatory and illegal practices that are designed to trap consumers in never ending debt.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-02 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: FL

Complaint narrative:
This company is n't collecting on the debt so why is your company still have it listed, requesting removal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This company is n't collecting on the debt so why is your company still have it listed, requesting removal

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