vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-03 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: AL

Complaint narrative:
I 've disputed with TransUnion on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. TransUnion said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

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 2017-08-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, my XXXX Credit Card issued by Comenity Bank had a balance of {$10.00}, which was paid-in-full prior to the statement closing date of X/XX/2017. My XXXX statement was a bill for {$2.00}, for an account with a zero balance. The company representative explained to me that this is a " trailing finance charge '' assessed when you do not pay for a purchase in full on the first month. {$2.00} is the minimum interest fee. " That is a valid finance charge, so I would not be able to waive that fee. '' Therefore, for everyone that pays a financed purchase in increments, after payment-in-full, {$2.00} will automatically be assessed, even after achieving a XXXX Balance. For every consumer that does not pay off the entirety of their initial purchase on the card the first month, when they do pay the balance to zero, the bank will still assess a {$2.00} fee at the end for the privilege of financing at an already usurious 25.7400 % ( v ) APR! No one should have to pay {$2.00} interest on a zero balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
COMPANY CONTINUE TO HARASS PHONE CALLS/ NOTICE AND DEMAND PAYMENT {$6300.00} ON ACCOUNT NOT MINES/ OVER CHARGES OF FEES..COMPANY VIOLATES FCBA AND FDCPA ; 1692d, 1692f, 1692g

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: IL

Complaint narrative:
I paid of in Full my Student Loan through the XXXX Website on XX/XX/XXXX using their " Payoff Calculator '' On XX/XX/XXXX they debited my bank account the full amount of my regular student loan. When I called, I pointed out that I paid it off in full and was still debited on XX/XX/XXXX. Furthermore, the website showed the - {$130.00} balance and also stated I was still in " REPAYMENT '', even though other loans clearly said " PAID IN FULL ''. They would not immediately refund what they took from my bank account without permission ( They no longer had permission because I PAID IN FULL ). And would not give me a date of when I could expect my money back. Nor could they change the status to PAID IN FULL. Paying off my loan should not entitle them to continuously debit my bank account! And if a company provides a payoff calculator, and the customer uses it to pay off the loan, then their should n't be any need for the customer to ever call back in.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-03 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: AL

Complaint narrative:
I 've disputed with XXXX on several occasions about this one account that was charged off by the creditor which means it was filed on taxes and no longer owned by anyone and should 've been removed. XXXX said that understood that but still have n't removed it and it 's been about 3 months since I began disputing that

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Under the new law effective XXXX XXXX, 2017 any public record data must include name, address, ssn and DOB in order for it to appear on your credit file. Transunion has not updated the information and per the new law Chapter XXXX Bankruptcy Federal District docket # XXXX listed does not include this information and should be deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I received notification from Transworld Systems Inc. in XXXX XXXX, PA in XX/XX/XXXX that I owed tuition from XXXX XXXX University. The XX/XX/XXXX and XX/XX/XXXX tuition was paid on a credit card and I called the school to confirm payment receipt. They said they did n't know why this was turned over to a collection agency. I called the collection agency and they wo n't work with me. I made copies of all my payments including the account printout from the school with my XX/XX/XXXX and XX/XX/XXXX account information showing a XXXX balance due. I sent this information to the collection agency certified mail with a return-receipt confirmation. I would like the school and collection agency to get their accounts straight and ensure my credit rating has not been affected by this inaccuracy. I am enrolled in the XX/XX/XXXX semester and the tuition information is reflected on these statements but will be covered in the fall with student loans and personal payment. Those figures are not part of this issue as I just registered for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc
State: SC

Complaint narrative:
Hunter Warfield has broken several Fair Debt Collection Practices Act laws. First, they never sent me notification of the debt. I did n't even receive any notices giving me 30 days to respond. They said they did but I never did receive anything. If they did send anything, it needs to be documented via certified receipt.
I filed an identity theft report and also sent them the information because I do not know where this debt came from, and it is indeed identity theft. I sent them the identity theft affidavit, and they failed to acknowledge it as well.
I also asked for verification, and I did not receive anything. I have attached everything that was sent to them certified. Another law they broke was verifying this proof with the credit bureaus after I have requested verification of the debt and filed identity theft. During that time frame, they still verified this debt. CC : XXXX XXXX XXXX XXXX XXXX XXXX Attorney, BBB, FTC

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 2017-08-03 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
Avant quoted me a payoff and I sent that amount thinking the loan was paid off. Over a year later I learned that the account was not paid off because they quoted my the wrong amount. Once I found out, I called them and requested an explanation. I was sent to a resolution department who never responded to my request. Later I tried again was told that I should have known to make another payment after I sent the payoff. I do n't know why I would be expected to know this information. When you request a " payoff '', the amount quoted should be the amount to pay and close the account. Their unethical business practice has now led to over {$500.00} in additional interest. I do n't feel I should have to pay this as I did nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
Beginning on XX/XX/XXXX I began having ACH transactions reversed from my business checking account to my creditors. All of the transactions listed below were coded incorrectly. All the transactions were coded XXXX Frozen Account when in fact my account was not legally frozen. The bank verbally agrees that my account was not legally Frozen. They ( branch manager and the asst manager ) say account was never Frozen but yet the ACH department gets their information from the bank as to why ACH transactions are reversed. I did make a deposit in the amount of {$2000.00} on XX/XX/XXXX that the bank put a hold on. They say this is the reason for the returns but that does not explain why I had the return on XX/XX/XXXX that was coded as if my account was frozen and furthermore these other transactions should have been coded XXXX uncollected funds not XXXX Frozen account. The deposit in question never should have been held as it cleared the other bank the same night it was deposited but my bank said the funds couldnt be verified. They already had the funds. I have spoken to the branch manager 3 times, the Asst manager atleast 5, customer service 8-10 times, I have filed a complaint and a dispute with the bank. All I need is a letter from my bank stating my account was never frozen and is a valid account. The branch has contacted the legal department and they are not allowed to write a letter for anyone about anything. I have contacted XXXX and spoke to customer service manager who was the first person to understand the ramifications to my business due the codes being wrong. The bank XXXX manager was supposed to call me but I never heard from them. It has been 6 weeks and no resolution. I have no access to my business line of credit, I have to now hand walk my XXXX XXXX payments in person to pay in cash at a XXXX store for the next 12 months and due to the XXXX return I may not be able to get another working capital loan from XXXX for my business. This has greatly effected my business and I am unsure of the future ramifications to my business. This could honestly put me out of business if it is not resolved and I can not access my line of credit or renew my working capital loan. I started this XXXX in XX/XX/XXXX and my account has been with Huntington for about 19 years back when it was XXXX XXXX. Also, none of the transactions show on my account that they were returned or paid and I was not charged a fee for any of these returns. XX/XX/XXXX- XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX - XXXX XXXX return code XXXX {$230.00} XXXX XXXX return code XXXX {$240.00} XX/XX/XXXX- XXXX XXXX return code XXXX {$230.00} XXXX XXXX ( XXXX ) return code XXXX {$200.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Several times in the past few weeks, I have been contacted by individuals from Transworld Incorporated, asking to speak with someone I do not know, presumably about a debt that he or she may owe. Each time, I have told them that no one with that name is at my phone number. Each time, I ask them to stop calling. At least twice, I have been told that my number will be " removed from the system. '' I hope they actually stop calling.
The two most recent calls were listed as coming from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 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: NY

Complaint narrative:
I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.

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 2017-08-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint due to the fact that these accounts are reporting inaccurate information. The account numbers do not belong to me. My accounts do not end in XXXX nor start with a -. Also if they were mine, a charge off is to show a XXXX balance. These are the accounts in question : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX Please correct this information or remove these accounts from my report immediately! as per the FCRA, you have 30 Days to correct this. Just 30 Days and not 1 day more.

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 2017-08-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
THE LOAN WAS ORIGINALLY TAKEN OUT IN 2005 FOR {$20000.00} I WAS GIVEN DEFERMENT BECAUSE THE SCHOOL ( XXXX XXXX UNIVERSITY ) LOST IT 'S ACCREDITATION AT THE TIME AND I TRANSFERRED SCHOOLS. ONCE I STARTED PAYING ON THE LOAN I WAS GIVEN AN AMOUNT TO PAY AND WAS NOT TOLD IT DID NOT APPLY TO THE PRINCIPAL BALANCE. FAST FORWARD A FEW YEARS, I LOST MY JOB, MY MOTHER TOOK ILL WITH A XXXX XXXX, AND I BECAME XXXX. XXXX XXXX SOLD MY LOAN TO NAVIENT, WITHOUT MY KNOWLEDGE AND I STARTED RECEIVING HARASSING COLLECTION CALLS FROM A COMPANY I NEVER HEARD OF. NAVIENT THEN SOLD MY LOAN TO XXXX XXXX XXXX AND I STARTED PAYING THEM $ XXXX- {$250.00} A MONTH SINCE XXXX 2015. NAVIENT STATED MY ACCOUNT IS CLOSED ON MY CREDIT REPORT AS A CHARGE OFF, BUT THEY ARE STILL REPORTING NEGATIVE ON MY CREDIT REPORTS, WITH FAILURE TO PAY. I AM ACTUALLY PAYING THE NEW CREDITOR FAITHFULLY EVERY MONTH OUT OF MY PERSONAL CHECKING ACCOUNT. I HAVE DISPUTED THIS MANY TIMES WITH ALL 3 CREDIT BUREAUS AND HAVE ASKED NUMEROUS TIMES FOR NAVIENT TO CORRECT THIS INCORRECT INFORMATION. I HAVE SUBMITTED ALL PROOF OF PAYMENT ( EVERY CHECK THAT HAS BEEN PAID THROUGH MY CHECKING ACCOUNT WITH XXXX XXXX XXXX ) ONLY TO HAVE NAVIENT SAY THEY WO N'T REMOVE THE NEGATIVE REMARKS/LATE PAYMENTS, AND THAT THEIR INFORMATION IS CORRECT, WHEN IT IS NOT!!! MY LOAN WAS SOLD TO A COLLECTION AGENCY AND I HAVE BEEN PAYING EVERY MONTH. I HAVE ALSO ASKED NUMEROUS TIMES FOR THEM TO SEND ME MY ORIGINAL LOAN INFORMATION AND THEY HAVE FAILED TO DO SO. THEY ARE REPORTING INCORRECT INFORMATION, WRONG PAYMENT INFO, THE ACCOUNT IS CLOSED THEY SHOULD NO LONGER BE REPORTING ANYTHING, AND THEY ARE REPORTING AN INCORRECT BALANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I was called by Fair Collections & Outsourcing , Inc. ( " FCO '' ) on behalf of my co-worker who might have outstanding debt. I was called by the following numbers on the following dates on my personal cell phone : X/XX/17 : XXXX EST by XXXX XXXX/XXXX/XXXX : XXXX EST by XXXX On each of the aforementioned calls, I requested that this company stop contacting me as they had the wrong party. The individuals calling from FCO were asking to speak with my co-worker 's name ( skip tracing ). I informed both of these callers that they had the wrong number and to please stop calling me. I would like this harassment to stop.

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 2017-08-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: NC

Complaint narrative:
On XX/XX/XXXX, I noticed a debt that hit my credit report and called the company. They told me it was a payday loan from XX/XX/XXXX that I apparently paid on for TWO YEARS then fell delinquent in XX/XX/XXXX. 5 years later they reported it to all credit bureaus which greatly hurt my credit. I told a representative from the company that I wanted to dispute it because it is not my debt. They insisted that it was mine so I asked for documents to be provided to prove this and gave my contact information and have not heard anything since. No emails, no letters and no more phone calls. I disputed this with all 3 bureaus and they reported that the COMPANY does the investigation and basically just told them it is mine. I HAVE NOT RECEIVED ONE LETTER OR EMAIL STATING THE TERMS OR DETAILS OF THIS DEBT I SUPPOSEDLY OWE. I did not take out a PAYDAY loan and pay on it for TWO years just to still owe {$370.00}!!! This is not my debt and it is hurting my credit that I have worked hard to fix the last 2 years!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My husband received two credit cards offer from AARP ( through Chase ) on Wednesday, XXXX XXXX, 2017. Both offers were the same, but neither contained the required clearly listed APR, cash advance fee, balance transfer fee, late payment fee, etc. This information is provided on the credit card offer, but in very small print as a footnote to the offer. Most credit card offers, including those I 've received directly from Chase, include a separate Terms and Conditions page which clearly lists this legally required information. I 'm not sure if it 's a violation or just an unfair practice, but I take exception to the way this card offer is hard to understand considering it 's marketed specifically to an older demographic. My understanding of the law regarding fair credit practices is that the separate, clearly readable terms and conditions are required to be included in an offer so that consumers can easily compare and evaluate credit card offers. The law was not followed in this case in a marketing effort toward an older population. That is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Prince Parker & Associates
State: RI

Complaint narrative:
This complaint is being filed pursuant to my original complaint ( XXXX ). Received multiple calls and now a second voicemail. In both voicemails left, the person calling failed to meaningfully disclose the caller 's identity and to disclose that all communications were from a debt collector trying to collect a debt.
I found out that the caller was a debt collector by XXXX their contact information, and found the following page, which prompted me to file this report : XXXX XXXX XXXX

Company response to consumer: Closed with explanation