vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a business card and debt as a personal debt. It was never reported on my personal report until it went delinquent. They must either report the entire history ( over 2 years of positive history ) or remove completely from the repot. 

Also, since it is not a personal debt and was never personally guaranteed I want proof of a personal guarantee which they have refused to give me since it doesn't exist. 

I have tried several times through them and Trans Union and XXXX to remove this or correct it and they refuse. This is contrary to my rights. I want this rectified. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
On XX/XX/18 I contacted XXXX XXXX customer service, to inquire why I had received paper statements for several months when I have never received them before ; I was signed up for electronic statements. I was informed that their credit card platform was in the midst of a " platform update '' and that my current web browser didn't support the update. Being personally aware of the IT field and software platforms I communicated that the information the customer service rep offered as an explanation was technically inaccurate. I also communicated that I did not want to receive paper statements through the mail for security reasons ; the customer service representative offered no other options to turn off receiving the paper statements and said it would last until the platform update was complete. On XX/XX/18 I attempted to log in to my online account and it seems the " platform update '' is complete and was prompted to update security questions and re-enter secure account information, including my full name, full XXXX XXXX account number, social security number digits, and security code on the reverse side of my credit card. I was also prompted to download a document from the internet in order to sign up for electronic statements only. Since I had received no official communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) that such a change or update to the site was occurring, I was wary of entering secure information on an unfamiliar website. I again contacted XXXX XXXX customer service to inquire about the validity of this new website and security question procedure. I also wanted to provide feedback that I was unhappy with receiving zero communication from XXXX XXXX or XXXX XXXX, XXXX XXXX. ( the credit card servicer ) of these changes to my account, what feels like careless handling of secure account information, and of the platform update which I would not been privy to unless I has called over the summer about the paper statements. The customer service representative placed the call on hold several times when I inquired to share this information and my dissatisfaction with the handling of my secure account information, and on the final hold, I was disconnected from the call through no fault of my phone service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: TN

Complaint narrative:
XXXX XXXX XXXX : XXXX Contact Information ( XXXX ) XXXX XXXX Great Lakes XXXX is double charging me on interest and the total amount of {$8100.00} consolidated loan Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment This loan was consolidated already on XX/XX/XXXX with Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$62000.00} In repayment I have contacted this loan servicer and discussed the issue of them not paying off and ( continuing to charge me interest ) the {$8100.00} that is already included in the {$62000.00} consolidated loan. They explained to me that this was a computer glitch and they would clear it up by XX/XX/XXXX. They are very aware on their system not showing this already paid off consolidated loan. They have left the balance of {$8100.00} on my account with a payment date due on XX/XX/XXXX and this balance is already included with the {$62000.00} loan. They Great Lakes refuse to take off or show that the {$8100.00} loan is paid in full within the {$62000.00} loan. Therefore, this loan servicer is double charging me for the consolidated paid off loan and will not remove or show that this smaller loan is paid in full. They assured me that this issue would cleared up because of their known computer glitch system that affect many of their customers. This loan servicer is also not updating and reporting my account to the credit bureaus correctly. 

I recently took out a another student loan in XX/XX/XXXX U.S. DEPARTMENT OF Stafford Loans EDUCATION ( XXXX ) Balance {$6700.00}. This loan is not what I am making a complaint about it is this loan ( Consolidation Loans U.S. DEPARTMENT OF EDUCATION ( XXXX ) Balance {$8100.00} In repayment ) In school until XX/XX/XXXX These are the correct balances before the XX/XX/XXXX consolidation. This does not include the new XX/XX/XXXX2018 Stafford loan. 
Overview Balance {$54000.00} Highest Balance {$55000.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 7 yrs, 3 mos ) Overview Balance {$8100.00} Highest Balance {$6600.00} Monthly payment {$0.00} Opened XX/XX/XXXX ( 6 yrs, 7 mos )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I have made numerous attempts to close my account. When I brought the account to a zero balance, they did not close the account promptly and have been charging additional 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 monetary relief
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: MT

Complaint narrative:
I have been receiving many phone calls from this number over the past several weeks. Today is the first time they have left a recorded message saying they are Pioneer credit recovery and to call this number XXXX. 
as I don't have any debts this is a scam.

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 2018-10-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-09 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
AMOUNT {$430.00} I SENT IN MULTIPLE LETTERS REGARDING THIS MATTER FROM 2015 ALONG WITH THE POLICE REPORT TO SHOW THAT THIS WAS IDENTITY THEFT, THEY SENT ME A LETTER WHICH STATED THAT I STILL HAD TO PAY. THIS IS STILL SHOWING UP AND DAMAGING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CL Holdings LLC
State: IN

Complaint narrative:
I basically had a 2012 XXXX XXXX. It had XXXX miles on it. I paid XXXX off. It was repossessed. It was my first car loan. They took out a XXXX loan for a car that was on worth XXXX. I feel like this was predatory loaning. I basically paid for the car. They reposssed it when I lost my job. And put this balance in my credit. The starting price for car was XXXX. Im just wowed at the balance sitting in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
On XX/XX/2018 at about XXXX PM EST, I spoke with an employee of Navient regarding my past due student loan debt. During that call, I promised to make a payment in the amount of {$590.00} on XX/XX/2018. 

On XX/XX/2018 a Navient employee named XXXX called my mother-in-law and my father regarding my student loan debt. XXXX of Navient disclosed both the existence of my debt and the fact that my account is past due to both of those parties, neither of whom are parties to my Navient loans. Navient has not been authorized to speak to either of these people regarding my account. Furthermore, I specifically instructed Navient in a telephone call on XX/XX/2018 that they were only to speak to my husband or me about my account. Navient has violated my rights under FDCPA sections 805 and 806 by disclosing information to unauthorized third parties. 

At about XXXX PM EST on XX/XX/2018 I spoke to XXXX of Navient regarding the aforementioned FDCPA violations. XXXX asserted that his actions were not in violation of the FDCPA. During that phone call, XXXX of Navient refused to stop recording our conversation after I demanded that he do so and asserted that he was no obligation to end the recording. Navients refusal to cease recording our telephone conversation is in violation of Marylands Wiretapping and Electronic Surveillance Act and I suspect that XXXX misrepresentation about my right not to be recorded is also in violation of the FDCPA. 

Upon XXXX refusal to cease recording our conversation, I spoke to XXXX supervisor at Navient who confirmed that they are indeed aware that such a refusal is a violation of law. He refused to tell me what steps, if any, would be taken to correct this behavior and would not confirm that XXXX would not be rewarded for his practices. 

While speaking with XXXX supervisor, it became clear that the XX/XX/2018 phone call and promise to make a payment was not recorded in XXXX internal system. The supervisor accused me of lying that the XX/XX/XXXX phone call had taken place. This is a clear indication that either Navient is not keeping proper records regarding my account or that Navient has compromised my personal information such that someone outside of Navient was able to contact me with information about my account. Either way, Navient has for a third time ignorined my consumer rights in order to collect this debt. Navient is either negligent in their training and supervision of employees or they are maliciously and willfully breaking the law and violating my rights in order to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MI

Complaint narrative:
I attempted to redeem cash back from my XXXX XXXX XXXX card on XX/XX/18. I unintentionally clicked to redeem uber credits thinking it was credit to be applied to my XXXX credit card. It turned out I actually redeemed over {$450.00} worth of XXXX ride credits. I immediately called Barclays/Visa to explain I wanted the points to be used to apply to my current credit card balance. 

Visa/Barclays explained to me that they could not reverse the redemption and to contact XXXX to see if they would reverse the redemption. Subsequently, I contacted XXXX through their twitter and app helpline ( they do not have a phone line for complaints ). They stated, " Sorry to hear about that. Unfortunately, Gift Cards are not refundable, returnable, transferable or redeemable for cash. Thank you for your understanding '' and did allow me to respond to further explain the situation. 

I misinterpreted " XXXX Credits '' as a credit to be applied to my credit card account. I believe the XXXX or XXXX should be held accountable to refund my reward points. I would normally not file a complaint, but {$450.00} is not pocket change to me ; especially when the company has no problem charging individuals a APR of 25.49 %.

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 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JTM Capital Management, LLC
State: MD

Complaint narrative:
ON XX/XX/XXXX I SEND A LETTER TO XXXX XXXX XXXX. BXXXXx XXXX XXXX XXXX, SD XXXX XXXX MAIL. 

AND ASK THIS COMPANY ABOUT ACCOUNT # XXXX I WAS TOLD BY A WOMEN NAME XXXX WE HAVE NO RECORD OF THIS ACCOUNT AND WE COULD NOT HELP YOU .. 

I ASK HER CAN U LEAD ME TO WHO HAVE THIS ACCOUNT SHE TOLD SHE DON'T KNOW. 

I CALLED BACK ANOTHER TIME SAME DAY AT XXXXPM EST TALK WITH A GUT NAME XXXX GAVE HIM THE INFORMATION PROVIDE ABOVE. HE STATED THERE IS NOT ACCOUNT WITH THIS INFORMATION OR UR NAME ... 

I ASK HIM DID U GET THE LETTER I SEND OUT ONXX/XX/XXXX HE STATED YES LIKE THE OTHER AGENT. AND THEY BOTH SAID THERE NO RECORD OF THIS ACCOUNT AND THEY CANT HELP ME ... ... 



Email us at XXXX NOTE : We advise you not to send us or ask for sensitive information such as account numbers, password, account information, etc. via any general or public e-mail system. 
XXXX XXXX : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX For questions about your application or to pay your processing fee, please call ( XXXX XXXX XXXX. 
To check your account balance, make a payment, or for other general customer service inquiries, please call ( 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 2018-10-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is currently reporting on my Equifax credit report as a secured loan. This is not a loan it is an XXXX XXXX ( XXXX ) account. Additionally, this account is showing as delinquent in XXXX, XXXX, and XXXX. However, the annual XXXX fee was paid on XX/XX/2018 in the amount of {$500.00}, which is the due date for the 2018 XXXX. I am not sure where the alleged past due amount ( {$170.00} ) is coming from. The only balance I have with the XXXX is for fines related to a dispute regarding covenant violations. As outlined in the new rules under the National Consumer Assistance Plan, the credit reporting company should not report debts that did not arise from a contract or agreement to pay. That is the case with this account. I have attached supporting evidence to show that the XXXX annual fee has been paid and additional discussion with the XXXX attorney/company disputing the fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Shellpoint Partners, LLC
State: MN

Complaint narrative:
Just now, right after XXXX my time the company called about a mortage ( in an attempt to collect a debt ) that should actually be on track payment wise ( I have my bank automatically send payments to the lender ) Again, it was after 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 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: OH

Complaint narrative:
I was not contacted or informed of this item, this item was added to my credit report without contacting me, and i have no knowledge of this item. If this is not corrected I will contact my Attorney General.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 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: IL

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Tranunion, XXXX and XXXX to have them to investigate items on my credit. I ask of evidence to prove their reporting. I have asked for proof of my signature which none of these creditors have supplied me with. I got a letter saying it was verified and i ask how did they verified with out proof, I also got a letter from Transunion saying they will not investigate my disputes.

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 2018-10-09 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: CITIBANK, N.A.
State: MI

Complaint narrative:
PLEASE TAKE TIME TO READ THIS AND THE PROOF. This is becoming an ongoing problem and blatant negligence involving my SSN and credit reporting by the hands of CITIBANK. I have desperately tried to peacefully resolve this false reporting and mishandling of my credit by CITI BANK. They sold a a debt to a third party ( XXXX XXXX ).  This third party violated many Consumer laws which lead to a settlement with them paying me and also agreeing to delete this account from my report ( all attached ). I even paid the debt beforehand so it wouldn't damage my credit.

I then contacted CITIBANK via letter several times to notify them that they were reporting false information and requested for them to delete the fraudulent account, in response they then sent me a letter ( attached ), saying that the matter is no longer theirs and I would have to take it up with the company that I won a settlement against. 

THEN 30 DAYS LATER THEY UPDATED FALSE INFORMATION TO MY CREDIT REPORT, causing it to drop 90 points, while I was in the middle of closing on a home. This caused my family so much strife and hardship. The obvious false reporting has held up my purchasing of a home, leaving my wife and kids in limbo while I rectify this situation. PLEASE look into this. This is clear bullying and they knew exactly what they were doing because I stayed in constant communication with them throughout the process. So instead of rightfully deleting this account they reported i had a balance of {$3000.00} as recent as XX/XX/2018. This account has so many violations. Its past the statue, false reporting, etc. I will not stop until their wrong doing is brought to the light. Legal action is on the way. 

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 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EOS Holdings, Inc.
State: AP

Complaint narrative:
The reason that I selected " didn't try to correct this with the company '' is because the company, EOS CCA " parked '' a collection account on my report with XXXX. They have not made any attempts to contact me and I have no idea what the collection account is in regard to. Today, I sent, by certified mail, a letter asking for validation of the debt. I am a XXXX XXXX and will be moving back to the USA within 2 months and now I have this on my credit report. It is against the FDCPA, section 809 ( a ) for them to do this. 

A quick search via XXXX shows that this company frequently does this. I would like the CFPB to investigate them for their practices. 

Again, I am not necessarily disputing the debt, as I don't know what it actually is for. I'm filing the complaint regarding their tactics of " parking '' on my credit report, which has been found by the FTC to be sufficient for " contact '', and their failure to validate upon initial contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Netspend Corporation
State: TX

Complaint narrative:
On XX/XX/2018 my account was compromised by theft by a debit card at a XXXX XXXX XXXX XXXX in XXXX TX. There was merchandise purchased in the amount of {$540.00}. I do not have a XXXX 's jewelry account and I did not purchase merchandise from XXXX XXXX XXXX. XXXX TX is over 300 miles to my home in XXXX TX. I am desperate for your assistance. The monies that was stolen from my account was for my electricity bill and it will be shut off if these funds are not returned to me. I have filed a police report, I have contacted Netspen & XXXX XXXX ( same company ) and I have contacted XXXX XXXX XXXXXXXX   and no one will assist me. I have given them all the information I possibly can and no one can give me answers to who took the funds from my account. XXXX XXXX XXXX tells me it's Netspend job to start and investigation and Netspend says XXXXXXXX XXXX XXXX has tell me what information they need. Please help me I am a single mom and I am in dire need of the CFPB.

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