vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RSVP Lending, LLC dba RSVP Loans
State: DE

Complaint narrative:
The original creditors were predatory loans that I took out for a family member. I was contacted by XXXX several times and requested a debt verification letter. The letter was never sent. The representatives contacted me on my home, work, and mobile phone many times per week. After much pressure, I pulled my own credit and saw one account that I recognized and agreed to a payment arrangement for that account. While paying off this account, the representative told me that XXXX had another collection account that I needed to set up payment arrangements for. The representative assured me that as long as I made regular payments, the second account would not be reported. I paid BOTH accounts in full only to find out that the date of first delinquency had been reset to the date I actually paid them off ( XXXX 2018 XXXX. I sent e-mail messages and sent letters through the XXXX Postal service and XXXX has not responded. I called and spoke to a representative who told me there was nothing she could do. When I asked her to escalate my case she said that they do not have an escalation process. I disputed the information through all three credit bureaus and XXXX has confirmed and updated the accounts with inaccurate information.

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 2019-02-01 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I entered on XX/XX/XXXX in effort to pay the debt off .I was told by agent that I needed to pay {$76.00} to start the payment plan which I did. When I log into my account online it stated that I owed {$46.00} I called in and was told that I should ignore that as it takes time forthe plan to take effect I have made each payment as they are drafted from my account on the XXXX .I did speak with a supervisor and was told that it would take 48 hours to fix .However my credit as been negatively affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: CA

Complaint narrative:
I was part of the Equifax incident in 2017. I received a monitoring service called XXXX XXXX as a result. Over the last several months I received emails from Equifax offering to extend the monitoring service at no cost to me. However, every time I click on their link and enter my information, it just logs me in and doesn't offer a means to proceed. I believe this is an intentional tactic Equifax is using to offer a service and not actually following through with it. I've followed their link several times and done what it asked ( logging in ).  Now I just received a notice of cancellation of XXXX XXXX service. 

I've emailed their email address but receive no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Asset Recovery Solutions, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. , owned two sets of my loans -- one through XXXX and another through XXXX XXXX . 
-I have been in communications with XXXX XXXX who was my account rep, about reaching a settlement agreement. In the meantime, I set up an automatic monthly payment plan, that I have been paying off for several years now. I was paying {$320.00} for my XXXX loans, and {$100.00} for the XXXX XXXX loans. 
-I noticed that money wasn't being deducted from my account in XX/XX/XXXX. So, I called XXXX, and I was notified that the money wasn't being deducted from my account because my automatic monthly payment plan permission, had expired, and I needed to grant them permission again. This was done verbally, by phone. More importantly, I was never notified in writing, electronically, or by telephone that my permission had expired. They also never notified me that I would need to do the same for my XXXX XXXX loans. Although, that week alone I had received several calls asking if I was still interested in reaching a settlement agreement. 
-In XX/XX/XXXX, I received notice from a new debt collector that they were now in possession of my XXXX XXXX loans.

-When I called Asset Recovery Solutions, they informed me that they sold my loans because I had not made the {$100.00} dollar payment since XXXX months.When I inquired why it hadn't been automatically deducted, they said my approval had expired. They never notified me of this by telephone, email, or in writing. They also never notified me that I had missed any payments. I asked why they hadn't notified me, given that they had my contact information. The rep on the phone said that they only updated my telephone number for my XXXX loans, and not for my XXXX XXXX loans-which was a clear oversight on their end. Regardless, they also had my email address and mailing information, but failed to notify me using those avenues. 
-I called again, and got in contact with XXXX. She said it was not Asset Recovery Solution 's responsibility to notify me that my loans were being sold. 
-When I asked whether they could reclaim my XXXX XXXX loans, so they could be under one debt  collect, they said no. 
-I was in the process of reaching a settlement agreement for all my loans for a down payment of XXXX dollars. Now, I'll need to begin negotiations terms with both debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: MN

Complaint narrative:
Triad financial services uses predatory business practices, unlawful debt collection behavior, and will try to reposess your house on charges you do not owe. We never received closing loan documents. They have processed our mortgage payment a month late every single month and have tried to hit us with late charges. They also did not credit us with a payment more than once and I had to submit proof that we paid them and they cashed it multiple times. We have submitted proof multiple times that we paid every month, and the continued to harrass us with phone calls saying we were a month late several times a month for the last seven months. When sent a cease and desist with requests for proof that we were missing a payment, loan documents ( including promissory note ) and to stop the harrassing phone calls over a debt we do not still owe they sent us a threatening letter saying they are going to reposess and foreclose if we did not pay the disputed amount and the current month payment within thirty days. They have been made aware of charges to our account not due and yet it says in the notice that they are not aware of any such charges. They have been made aware. Multiple times. This is despicable behavior for a company to engage in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: Navient Solutions, LLC.
State: FL

Complaint narrative:
Navient reported me as 60 days delinquent to the CRAs in XX/XX/XXXX ; however, if you look at my credit report you will see that they reported me as current for XX/XX/XXXX. One can not go from being current in one month to being 60 days past due the following month. Either Navient incorrectly reported me as current in XX/XX/XXXX OR Navient incorrectly reported me as 60 days late in XX/XX/XXXX. It is not possible that the company 's records substantiated both records at the time they were furnished. 

This illogical reporting calls into question the integrity of Navient 's reporting and whether it accurately reflects the terms of liability for the credit account as well as my performance and conduct with respect to the account. 

I question the status of my loan that Navient reported to its Board of Directors in those months where they designated me " current '' on my credit report but charged me late fees, which I just learned they have done 30 times in the past two years despite me having made payments on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: SELECT PORTFOLIO SERVICING, INC.
State: NV

Complaint narrative:
I made a payment on the automated system for my XX/XX/XXXX payment on the XXXX of the month in the scheduled amount of {$1800.00} I usually make my payments online via the website but on this occasion the online system would not accept my payment for an unknown reason. The payment was processed and on XX/XX/2018 the payment was rejected. I inquired with my bank and the mortgage company regarding why the payment was rejected. The mortgage company said the payment was returned for non sufficient funds. My bank told me that the payment was processed under a name other than my own, so my bank rejected the payment because of possible fraud. So in the meantime, the XX/XX/XXXX payment was delinquent and reported on my credit report as a more than 30 day late payment. I filed a dispute with my mortgage company on XX/XX/2018 regarding the payment being processed under a name other than the name on my bank account and explained to them that I have been using the same bank account information for at least the last 12 months with no problem. I provided documentation from my financial institution the reason the payment was rejected, which was not do to insufficient funds but was rejected do to facts stated above. I believe the problem was that the mortgage company automated system does not ask for a name to process the payment under. It only ask for the bank account information excluding a name, and the amount to be processed. The mortgage company did not agree that there was an error or their part despite the letter of explanation proving that I was not at fault and the documents given from my financial institution explaining why the payment was rejected. I requested that the mortgage company reverse the reported late payment from the credit bureau due to the facts above and they denied my request. Do to this incident I have been negatively impacted. My credit score has been negatively affected. I was unable to refinance my home and I have been labeled as high risk for any future borrowing options.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
I called Navient to see about getting a deferment or forbearance for my student loan with them, as I lost my job due to layoff in XXXX and my unemployment has run out. I initially called on XX/XX/XXXX but was told they won't even speak to me about this until a payment is due, with my last payment having been made on the due date of XX/XX/XXXX. 
I called back on XX/XX/XXXX as I now had a payment due and was told that I could not get a forbearance without first paying a fee of {$50.00} per 3 month period of forbearance. I explained I can not afford this as I have no income and they ultimately suggested I speak to someone about payment options and I was transferred. 
After reaching someone in collections, I was asked a series of questions to determine eligibility. When we reached how much can I afford to pay a month, I answered that I can't afford a payment as this time as I have no income and I also have other obligations, such as my rent, car payment, and phone payment, all of which are necessary for me to obtain a job. I was told at that time that, since I can't afford a payment, they can do nothing for me. 
I requested to speak to a supervisor ( XXXX  ) and explained I have no income, I can not predict the future and determine when I will be able to make a payment ( they specifically asked when I could pay ), and that I have other financial matters which take a priority. He stated that the {$50.00} for a forbearance serves as a " good faith payment '', to which I asked what about my years of making payments on time every month, to which he replied that past payment history has no bearing on these matters. They further stated that there was nothing they would do for me. I pointed out that my other loan providers were able to assist me when I explained my situation to which he replied " Well, we're not you're other loan providers ''. I informed them they could disconnect the call so I could take their survey at which point he replied " this is the collections department. There is no survey. '' I specifically stated that this was a matter of a financial hardship, that I have other financial obligations, and that I am working to resolve this hardship by actively seeking employment, and still they would not do anything to help with the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX calls me at least 5 days a week. Got called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX calls me at least 5 days a week. XXXX called on XX/XX/19, XX/XX/19, XX/XX/19, and I believe also XX/XX/19. 
I have told them repeatedly to quit calling and to use the postal mail service for any business they have with me. They just keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/2018 the XXXX store from XXXX XXXX, Ca charged my debit card for {$1000.00}. Then the Santander decided to credit the {$1000.00} back to the account on XX/XX/2018. On XX/XX/2018 the bank then charges me again {$1000.00}. 
I have gone to the bank many times to file claims but they kept getting denied. I told them that on the bank statement it says that the charge took place in XXXX XXXX, Ca but the state that I live in is Massachusetts. I asked them why they were getting denied and the bank told me I had to go to the merchant ( XXXX ) to get the money back. 
I call XXXX to try to get the money back but they said I have to go through the bank to get the money back. I talked with a customer relations employee at XXXX and investigated the matter. The employee and I ended up getting proof of a receipt they found showing that the transaction took place in XXXX XXXX. 
I have been going back and forth with the bank with the proof and evidence that it was fraudulent but they refuse to refund the money. I believe that the transaction should not have gone through because it happened across the country from where I live. Santander should have not let that happened. 

Below I have the bank statements and the XXXX receipt I received the customer relations employee.

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 2019-02-01 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: Trident Asset Management, L.L.C.
State: VT

Complaint narrative:
Trident Asset Management, LLC is reporting a collection item on my credit report which purports to have originated from XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX or any of its affiliates and believe that this item is fraudulent. I have attempted to contact Trident on several occasions via phone and email, but have not been able to get a response from them. Given that this appears to be a pattern with Trident ( purposely reporting erroneous information on consumer credit reports in order to willfully extort money from those consumers ), I believe that charges should be brought for fraud against them. It would also appear as though RICO statutes may apply.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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: DE

Complaint narrative:
CFPB I am filing this compliant because Trans union Credit Bureau is refusing to start a dispute and claiming they never received my dispute letter which is a totally false. I sent this letter certified. On XX/XX/XXXX. I sent Trans union a dispute letter because these following accounts, XXXX XXXX XXXX Account number XXXX, And XXXX XXXX XXXX Account number XXXX, And XXXX  Account number XXXX, And XXXX XXXX  Account Number XXXX Are unverified accounts and violate the Fair Credit Reporting Act. CFPB please be advised that this is my 4th dispute letter requesting Trans union to disclose all information about these accounts under section 609 ( a ) ( 1 ) ( A ) i wan na see a consumer contract with my signature on it.The last three dispute  letters Trans union did not comply. I have a membership with Trans union online product which updates every 24 hours and shows when accounts are open disputes. On XX/XX/XXXX i logged in on the Trans union product online and updated the report and notice that there was not NO disputes open so I started tracking the certified letter i sent to Trans union and it showed that they received that letter on XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX i called Trans union and spoke with a rep name XXXX And he stated they never received my dispute letter so i asked to speak to a supervisor which one got on the phone name XXXX he stated the same thing i also made a call on XX/XX/XXXX and they stated the same thing i also called Trans union today on XX/XX/XXXX and spoke to a rep name XXXX he stated the same thing there is no dispute letter they received so i asked to speak to someone higher then a supervisor he transfered me to someone in the United States special handling department as the rep stated and i spoke to someone name XXXX and he stated that there was not a dispute letter received. This is not fair that Trans union is not starting a dispute as i requested and someone from Trans union signed for my dispute letter because i received the certified receipt that they signed for it on XX/XX/XXXX. In 8 days makes 30 days that Trans union had this dispute letter and they never started a dispute yet this is not fair as a consumer i have the right to dispute any account thats listed on my credit file i believe that Trans union is refusing to dispute these accounts because they do not have all the creditors Original documentation that i am requesting to see and been requesting since XX/XX/XXXX. I will provide evidence the dispute letter and the certified receipt Trans Union signed when they received that letter.

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 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XX/XX/2019 : I went online to open a checking account at Bank of America with intentions to deposit check for retirement withdrawal. 

XX/XX/2019 : I received Retirement withdrawal check via mail from XXXX XXXX services. I called Bank of America to understand if I was allowed to deposit this check as my initial deposit in the account. I was told that I can deposit it, but there will most likely be a hold placed on the check and any funds that are made available immediately will be identified at the time of deposit. 

XX/XX/2019 : I deposited my check for {$9200.00}, and I was able to present my Drivers license as a form of identification and I received a receipt stating that {$200.00} would be available immediately, and the rest of the check will be held until XXXX XX/XX/2019. I was also informed that I would receive my new debit card within 4-6 business days. I chose to wait for my debit card instead of taking the {$200.00} cash at the time. 

XX/XX/2019 : I wanted to get my {$200.00} because I was low on cash and I went to the back to get the {$200.00} that was explained to be released and they stated that the funds were not available. After the branch manager called corporate to find out more information I was told that the account is being closed due to a lack of proof of identification. I was explained that since the account is in the closing process, then I will now not be able to have access to my funds for 7-10 business days. I then called the original provider of the check, XXXX, and they stated that the funds have been released to Bank of America. I then spoke with the closures department over the phone where they confirmed that the funds are still being verified and that I will not have access to these funds until the closing process is completed which is scheduled for XX/XX/2019. Then they explain that once the account is closed then I will be sent a cashiers check returning the money and that will take 7-10 business days to arrive. 


I need this money to pay bills. I have already gone one week. I owe on credit cards and utility bills and no mater what I do they continue to tell me that the funds are not available and They can not release them to me. I have provided proof of identification and they continue to hold my money. My credit score and credit companies are asking me for payment of which I will accrue overages and fees. not only is this inconvenient it will be affecting my future financial health.

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