vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. Equifax have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark Financial continues to harass and send documents labeled as NC XXXX XXXX via XXXX. Is that not considered as fraud? For the previous telephone calls were harassing. Some employee called from their personal phone and then blocked the phone number whenever I tried to call back. The culprits are XXXX, XXXX and XXXX. I am not one of their backwoods customers with a low education level. I will be requesting a telephone log from XXXX to show proof of the amount of times that I was called and also, a request for $ XXXX- {$1000.00} per harassing telephone call. These people need to be approached and held accountable. This has been reported to the credit bureau, even when I caught up my payments, they reported me as still owing back payments. Fraudulent practices! A federal crime was committed by them when using a federal institutions name on a package with their documents inside. XXXX NC does not carry a zipcode of XXXX, nor would a representative come to XXXX NC to mail a packet!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I was charged the usurious and confiscatory overdraft fee of {$36.00}!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid the XX/XX/2019 credit card installment of {$100.00} but Citi has not credited it to my account and has harassed me with some 6 telephone calls in 1 week! Citi maintains no office for payment!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
XXXX online XXXX XXXX XXXX XXXX XXXX Bank. XXXX at XXXX margin. To increase with the market. With origination fee the loan ammount was XXXX Since XXXX I have paid XXXX dollars and just received a new term loan agreement stating I still have another 102 months. With a completely different lender on it. 

This company is such a scam and should not be allowed to issues loans to consumers. 11 years paying on a XXXX loan and still owe XXXX dollars, how is this possible? I have asked to be sent proof of ownership to the loan. I have also asked for detailed descriptions of payments and breakdowns. I received half the statements and not really anything complete. 

Personally none of my DOCUMENTS seem to match the lenders and they are unable to provide the orginal contract agreement as I requested that as well. Overall I have paid more than enough money in and now they tack on another XXXX payments. How? Under what contracts etc? This place needs investigated further. My friends in XXXX XXXX were also victims of these crooks. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
They call several times a day from different phone numbers. They are also calling family members regarding my debt and refuse to stop calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have a loan with XXXX and XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX  and XXXX   werereporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
calls several times a day and refuses to stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than XXXXpts.

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 2019-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
XX/XX//2019 - I sent a letter to the Dept of Ed/Navient requesting the original instrument of indebtedness in its entirety to validate the debt obligations that are reporting 8 times on my credit. 4 accounts show current and 4 show closed. I received back the first page of a master promissory note. The other 7 pages are missing. There are no account numbers to verify the account numbers reporting on my credit. The single page master promissory note does not show the amount of the debt requested. I also received a computer printed balance statement of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Charlottesville Bureau of Credits, Inc
State: VA

Complaint narrative:
A credit collection company claims I have a debt with them from XXXX when I was in college under the financial support and insurance of my parents. I called the original creditor to understand where this XXXX debt is coming from or why I never received any form of them attempting to collect the debts 1,2,3 or 4 years later ( it is now XXXX ). They claim to have contacted me in XX/XX/XXXX when it was turned over to them but haven't followed up since. Now that the collector has it they have been reporting it to the credit reporting agencies, but not attempting to collect it. 

Many complaints on this site, consumerfinance.gov, state that consumers are constantly contacted about a debt that they owe by collectors. One can assume that this is to reinforce that the consumer owes this collector a payment for a valid debt and that the collector still needs this payment. Until served a cease and deist letter or request, the collector can continue to contact the consumer. I never served this collector with a cease and desist letter, so I am unaware why they would stop contacting me for this debt that they still needed payment for. They stopped contacting me, but yet still reported to credit reporting agencies as needing to being paid. I only know they were reporting all these years after being provided a credit report which I received after being turned down for a loan due to the credit score this company has ruined.

I firmly believe they are preying on the mistakes of financial uneducated and un-experienced XXXX year old faced with medical bills they needed help paying and are now just out to destroy my credit. They show little worry about collecting the actual debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a dispute to clear up a wrongful Past due payment from XXXX, they ended up adding another past due for XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a dispute to clear up a wrongful Past due payment from XX/XX/XXXX, they ended up adding another past due for XX/XX/XXXX. I already confirmed with my credit card company that I was never late. This issue has dropped my score more than 100pts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: MD

Complaint narrative:
My billing emails arrive a day after the bill is due. For example, I received an email on XX/XX/2019 when the bill was due on XX/XX/2019. I find this unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/2019 I received an alert from my credit monitoring service about an inquire from XXXX XXXX in XXXX, wa XXXX ( XXXX XXXX ). Up unit that point I was unaware of this attempt for credit nor did I authorize it. The XXXX XXXX never allowed service to the perpetrator but they did add a inquire to my credit report with transunion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Im writing to request assistance to remove my mortgage insurance premium of my FHA loan. This loan was open in XXXX, XXXX based on these requirements : Maintain the loan for a minimum of five years.

Avoid late payments When the loan-to-value ( LTV ) reaches 78 % of the original value I have met 2 of the requirements expect LTV. This house was appraised for XXXX, XX/XX/XXXX, the current valuation on XXXX site is at XXXX and my loan balance is XXXX. Comparable houses in the neighborhood now sells for low to mid XXXX. 

I recently sent a message to Wells Fargo to provide guidance and they replied stating it is against the HUD guidelines to use new valuations to cancel MIP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BB&T CORPORATION
State: GA

Complaint narrative:
I had an account with BB & T which went into overdraft due to a credit card company debiting the account and funds were not there. The end balance resulted went from a $ XXXX over draft fee to a $ XXXX on XX/XX/XXXX from where they charge you {$36.00} every 10 days the account is over drawn. The bank took money from another checking account I had with them without my permission. I requested the account to be closed on XX/XX/XXXX via email and was told it couldn't due to another {$36.00} fee that had been charged and fees continuing to add up the bank didn't close my account and another {$160.00} was taken out of the same main account I have with them. This bank has very unethical banking practices and needs to be stopped. This has cost me well over {$500.00} in total and is ridiculous.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
There was a credit account opened in my name on XX/XX/XXXX thru the internet with Regions Bank and was funded by a XXXX $ XXXX XXXX. I originally called Regions Bank and was told actions were being taken to resolve this. A week later I received a card in the mail and called back to ask why I was getting this card if it was a fraudulent account. I was told it was because when I originally called they changed my address to my correct address because it was originally at a Regions Bank somewhere in Alabama that this account was made. I was assured that this account was getting closed and not to worry. I then put a freeze on my credit reports because I was getting numerous inquiries. I then found out the Regions Bank account was then somehow funded by a XXXX $ payday advance. I then went to a local Regions bank to try to resolve in person. That went nowhere and I was told to just resolve it with the credit reporting agency 's. I have tried to dispute this account twice with XXXX and the other 2 agency 's but, Regions Bank keeps verifying this as an accurate account. Please help me. I dont know what to do. Noone at this bank is helping me and trying to get this resolved with the credit bureau 's is impossible.

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 2019-03-12 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: Waypoint Resource Group, LLC
State: DC

Complaint narrative:
This deceptive company is pursuing me using harassment and unfair collection practices. I have no contract with this company and the bill they are claiming I owe to them has already been paid in full with the original creditor, XXXX. I did not hear from this company until I found an entry from them on my credit report. Once I found the entry, I contacted them to attempt a settlement. From the start of the conversation, this company has been unpleasant to deal with. The representative that I spoke with was rude, combative, and deceptive. After contacting this company and refusing to provide the demanded payment ( {$660.00} ) to them on that call, they proceeded to illegally harass me by filing weekly credit report updates with derogatory information saying the account was past due and I have the reports to prove it. I was told by their representative that I must make a payment with them and not XXXX, however, they also told me that XXXX had not given them any settlement authority so they could not accept anything other than the full balance. Given this information and my complete frustration and disgust dealing with this company, I contacted XXXX directly on XX/XX/2019 and returned the equipment and paid the remaining outstanding balance ( {$460.00} ) in full with XXXX. I have dealt with collection agencies before, which the majority were pleasant and NONE behaved in the manner of this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XXXX XXXX account : The main concern I had during this process was that they acknowledged a complete application for their underwriter two times. At that point they have 30 days to make a decision ; which took them over three months. The reason was because escrow stated they did not have enough information to determine an escrow payment. One several occasion we provide all requested information in a timely manner and they acknowledge receipt and that it satisfied the request but still did not make a time decision. Their delays directly contributed to an increase in the escrow portion of the payment and further arears. They basis for not being able to offer a modification was because they could not make changes which would offer an affordable monthly payment, but if they had not delayed they payment would not have needed to me as high. Their internal processes prevented XXXX  from being able to seek a fair solution and violated her rights as a borrower. the delinquency was due to an adjustable interest rate that changed after a 10 year lock in period ; which XXXX was not aware of and the payment increased from {$400.00} to over {$1000.00} a month. That XXXX met with a housing counselor as soon as the delinquency happened but because of the delays by the servicers the loan has fallen further behind and has been referred to an attorney which now makes the possibility of an affordable retention option difficult if not impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I have hired a third party company called XXXX XXXX XXXX to resolve this issue with Credit Collection Services, a collection agency. When I use to live in XXXX, XXXX ; XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) bill was not paid after I relocated to XXXX, XXXX for new employment. Eventually the bill was sent to collection agency, XXXX XXXX XXXX. The bill was paid in full on XX/XX/XXXX and the confirmation number is # XXXX. However, the bill is still showing on my credit report with Trans-union and I would like to have this item removed from my credit report as it is showing as a negative item.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: NRA Group, LLC
State: FL

Complaint narrative:
Happened on XX/XX/19 @ XXXX XXXX. Scammers posed as debt collectors attempting to extort money, did not answer. No information given out. Constant calls. Enrolled in do not call registry line.

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