vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Complaint regarding : XXXX XXXX XXXX, XXXX MA. 

I owned my first home when I was 25, and owned it for 13 years. I thought that selling it, just like buying it, would be a nervous, exciting and joyful moment that I would treasure forever. The XXXX XXXX XXXX XXXXXXXX XXXX MA. made my experience horrible, unforgettable, frustrating and stressful. Not only did they display unprofessionalism by giving us unrealistic timeframes and closing dates, but they were not transparent in their information sharing. 

Throughout the whole process my realtor had to demand answers. At times reaching out to multiple partners involved in the situation. Thankfully, they were able to get their affairs in order and we did not have to start the process over with a new buyer, but I was willing to do so because they were not taking us seriously and were uncaring about our situation. 

If you want a positive customer experience, a bank that offers you transparency and peace of mind when youre buying or selling a home do not do business with the XXXX XXXX XXXX  XXXX XXXX MA. Although the memory of selling my house will forever be tarnished, I thank XXXX for a great realtor that fought to get answers and provided full transparency regarding the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Utah System of Higher Education
State: IA

Complaint narrative:
Today I was called and told me loan needed to be changed due to a increase in my monthly payment from {$250.00} to {$2000.00}. My loans were government loans handed over to a third party. I didn't agree to any additional terms, but have been paying on time for years. I logged in and verified my terms of the loans and they have payments out to XXXX and my overall debt is less than {$50000.00}. 

This complaint is due to them attempting to pressure me to agreeing to new terms. The company is XXXX XXXX XXXX XXXX. I know they will easily scare others into changing their plan with scare tactics. There is no reason for a company to lie and put pressure on those who took out government backed student loans to change the terms in their favor. 

They said the call was recorded. It happened within an hour of me sending this in to you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I am a victim of identity theft yet your company Commonwealth has inserted negative marks into my credit file without first notifying me to give me my right to dispute and request validation. The accounts in collections in the amounts of {$2000.00}, {$1300.00}, {$2000.00}, {$1600.00} and {$1000.00} do not belong to me and are in fact a result of identity theft. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. Once again these account are a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a medical and I have not ever given your company or any other company authorization to share any health information about myself. Your company is in complete violation of HIPPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I submitted a police report with a police report number to Equifax and XXXX showing that I am victim of identity theft and Equifx is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: CO

Complaint narrative:
In XXXX or XX/XX/2017 I visited XXXX XXXX XXXX   XXXX in XXXX, CO. I had work done including an XXXX on a small XXXX. I had asked the office to pre-authorize the work. 6 months later I received a bill that there was an unpaid balance that was overdue, but it was the first communication from the office. 

While trying to discuss the information with the company they deferred it to : Offender : Amerassist Country : USA State :  Ohio City : XXXX Address : XXXX XXXX XXXX Phone : XXXX Site : arsolutions.com Since I have written documentation from XXXX XXXX XXXX XXXX that because of the situation they are going to simply write off the balance and to ignore invoicing. I have communicated this information to Amerassist and provided them with the written documentation. They refuse to close the account and continue attempts to collect money for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: IL

Complaint narrative:
I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.

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 2018-09-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: POPULAR BANK
State: IL

Complaint narrative:
I had a HELOC with Popular Bank. The bank sent me a letter explaining that I could no longer draw from the account and the balance must be paid within a given time period. I paid off the account, leaving a balance of {$0.00}. I did this years before the determined end date. Popular Bank recently started sending account maintenance bills. I called the bank and explained that the account is paid in full and no additional monies could be borrowed. Therefore, Popular Bank was providing NO SERVICE to me. I asked that the account be closed. The account should have automatically closed under the conditions that the balance was paid in full AND no additional transactions could take place. Earlier this week I got notice from XXXX  that my credit has taken a near 100 point hit due to delinquency! I owe Popular Bank NOTHING. I paid them in full more than a year ago. Their practice is predatory. My near perfect credit rating in now ruined. My desire is that you will investigate the matter and fine the bank accordingly.

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 2018-09-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND

Complaint narrative:
I contacted TransUnion Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX  as a Charged off account. I informed her I had written a collection validation letter to XXXX XXXX  and wanted them to validate this debt showing up on my TransUnion credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX  to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with TransUnion. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX 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 2018-09-06 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: EQUIFAX, INC.
State: ND

Complaint narrative:
I contacted XXXX  Dispute Department and was transferred to one of their customer service reps named XXXX. I told her my problem with her agency listing XXXX XXXX as a Charged off account. I informed her I had written a collection validation letter to Rise XXXX and wanted them to validate this debt showing up on my XXXX credit report. I let her know I had sent this letter to the creditor twice, and I had gotten no response from the creditor in the last 45 days. She said she couldn't remove the account from my credit report and she needed a letter from the XXXX XXXX to remove the account from my report. I stated that they have dual listings as they have XXXX XXXX listed as a collection account as well. It has to be either a charge off account or collection account, they can't have both. She told me there was nothing they could do. I also told her that the XXXX XXXX XXXX XXXX couldn't verify to me that any of my student loan payments were late, and that I would have to take it up with XXXX. XXXX told me there was nothing she could do without a letter from XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CRA violation no knowledge fraudulent accounts on my credit report. FTC ID theft report # 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 2018-09-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a car that I had to give up because of monetary issues.There were no payments ia arrears.I called the financier to come and pick up said vehicle.The car was sold and the remaining funds that were owed have been paid off.I want to know how to get my credit report cleared of this action as a " WRITE-OFF '' transaction! Please respond to this e-mail ASAP!!

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 2018-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I XXXX XXXX was in the hospital from XX/XX/XXXX to XX/XX/XXXX that what I remerber in beween that time my money was tanken from hy account without my promise which navy federal denial my complain I even sent the dates that I was in the hospital they said it was denail becausr conflick date about lossing a card which I don't remerber do to a XXXX in which I was in on XXXX XXXXt I just remerber waking up in XX/XX/XXXX.and I XXXX XXXX when I can thourgh didn't have my XXXX XXXX XXXX XXXX I went from XXXX to hospital slect to rehab in a matter of 3 mounts was dismiss XX/XX/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 2018-09-06 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I submitted a police report with a police report number to XXXX   and Nordstom showing that I am victim of identity theft and XXXX is still reporting on my credit file, I had requested documentation on why they did not remove this from account and I have not yet receive anything from both party, and no resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Spark Business Billing Disputes Department XXXX XXXX  XXXX XXXX XXXX XXXX, UT, XXXX This letter was the dispute of a charge of {$1900.00} on my Capital One Spark Business Credit Card. The charge is inaccurate and false for several reasons. Most notably, I never received my promised goods delivered from the vendor, XXXX, due to their misleading and vague sales practices. I am requesting you return my funds, reverse this charge and credit my account the aforementioned amount, no more and no less, or I will be forced to take legal action plus report your company to the applicable federal and state trade commissions. 

To summarize : After placing a large order with XXXX XXXX, XXXX was enlisted to ship my purchased goods to my physical address. According to Capital Ones terms and conditions, any purchases made from a seller that are deemed to be misleading in nature, or which fail to provide the agreed upon purchased goods or services, are eligible for cancellation and a return of the funds charged. I was both mislead and never received my purchase, whole or in part. I was first mislead after being told my order was set to be shipped to my physical mailing address where I requested the order be delivered. I have documentation showing the orders intended shipping address as being the aforementioned XXXX XXXX XXXX XXXX. This is only one of many misleading aspects of my purchase and subsequent disputed transaction. Below you will find screenshots of our transaction with XXXX and the way they refused to take our payment, then our canceled payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 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: ND

Complaint narrative:
I contacted Equifax Dispute Center, and was connected with XXXX, one of their customer service reps. I explained to him that I have tried many times to remove old addresses from my credit report, and have had no luck. He said that as long as creditors report them to Equifax, there is nothing he could do to help me. I stated to him that by law, Equifax is supposed to report correct information, and none of these old addresses are correct. He refused to delete them. I next moved on to some old accounts they have listed on my report. I informed him that I have written the XXXX XXXX XXXX XXXX twice to try and verify their claims that I had late payments on my student loans in 2014 but they do not respond back. I've called them numerous times but nobody can verify these late payments, so I asked XXXX to delete them from my report. He said without notice from the creditor, he couldn't do that. Same situation with a SSA account that is on my Equifax report. I have contacted them numerous times and they can't verify the account belongs to me, which it doesn't, it belongs to my deceased father XXXX XXXX. I asked him to delete this account due to lack of verification, but he refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I applied for a RV loan with my bank ; which is USBANK, in the month of XX/XX/2018. I applied for the loan and was told that my credit score was too low based on an error reported to the credit bureau from my USBANK visa. I have had this card for several years. I disagreed with this and made a formal complaint. The problem with my credit was that my VISA from USBANK sent to the credit bureau, that I had missed several payments and that I has several late payments. This information is incorrect. I located all of the information needed to prove my case. I brought the information to the bank as well as made a formal complaint with the credit bureau. I followed up with the bank and was then sent to the branch manager, with in a few days of the original loan application. Who stated he can clearly see there is some sort of issue. He then told me that he would handle this problem for me by going through the under writers and trying to get the credit card, again this credit card was issued from USBANK. To verify that there was a mistake. That I should get the loan as I am only asking for {$50000.00}. My debt to income ratio is under 40 % and I was asking for a 15 year fixed mortgage. We ( the first banker and I ) calculated the payments which would be less than $ XXXXfornd that my APR was roughly 6.5 % a month. Everything seemed to be working out until they realized that my income comes from my being XXXX XXXX. I was then informed that I could not get a co-signer as my credit was below XXXX and that both customers on the loan would have to have a credit score of XXXX. My credit score is 6?? at this point even with the error on my credit report. I am in limbo still the bank has not formally told me no nor have the said yes.

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 2018-09-06 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
onemain in florida has called me after was told only call after work I have been called 17 time today XX/XX/2018 I know I owe you but they keep saying we will do a deferment and redo the loan I have losed XXXX dollars per last 2 years. employer did not honor our contract so I have not been able to get my payments with one main lowered they keep adding credit card interest daily my wife has had 2 storkes from stress and now a bad heart I also have something in my XXXX maybe XXXX not for sure this is to much stress on both of us for now please help XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I just spent 2 and a half attempts on Equifax 's direct dispute website attempting to upload documents and directly dispute an account that is being reported on my credit report that is false, mixed and belongs to someone else. I am so frustrated because I got an ERROR twice when I finally go to the end of my disputes and then I attempted to do it for a third time and they lied and said my information was wrong and I no longer could do anything anymore. I feel as though Equifax is deliberately ignoring me. they keep asking me for NEW information that I CAN NOT give the because the account I have been disputing is fraud an not mine. I do not hold an XXXX account I have a XXXX account under my address and I finally I understand that someone is using my social and identity with a different utility company. something is very off and Equifax doesn't care ... .HOW is this account a charge off/bad debt when it is a utility bill? it is not an extension of credit why does it look like a credit card? 

I put in this complaint the error notices and I need the CFPB to know I had tp answer the security questions 3 times! I had to start over three times before I gave up. Also, I noticed that Equifax is allowing this company to keep reporting new false and negative info even after it is claimed this account is 'charged off ' 'closed '. this is the most unbelievable situation ever. please reference back my complaints which started in XX/XX/XXXX

Company response to consumer: Closed with explanation