vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: MS

Complaint narrative:
Settled a   XXXX   XXXX   XXXX   account with  Diversified Consultants. Th ey agreed if I paired settlement offer this would no longer appear on my credit report. This debt was settled on   XXXX   XXXX   XXXX     and it 's still showing on my credit reports as a collection account. This is the only collection account that I have. I have a copy of the letter showing that the debt was settled. I wish that this debt will be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have sent multiple  XXXX  letters to get these  XXXX  collections removed. I have also called and disputed these accounts online and Transunion nor   XXXX   will remove the negative accounts. These  XXXX  negative accounts have been off my  XXXX  credit report for over two months and I have told TransUnion and  XXXX  that but they wo n't budge and remove them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots    XXXX   XXXX   XXXX    and my  XXXX  app both show no negative accounts open.

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 2017-05-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I disputed a bankruptcy for accuracy and the first letter I received back stated that they had confirmed with a third party  XXXX   XXXX . I asked for a signed document and also stated specifically that I did not authorize  XXXX  reporting. My   XXXX   XXXX   report has a security freeze and could not possibly have been obtained. I sent a second letter to all  XXXX   XXXX  's requesting once again that they verify the accuracy of the information and specifically again asked for a signed document stating that the account was in fact mine. The second letters I received expressly stated that they verified with the credit grantor and that they verified its accuracy which in this case would be the courts. I have a letter from the  Court stating that they do not verify ANY pu blic records to the credit bureau. So this makes  2 letters back with 2 different stories about how they allegedly verified this   information of which both are inaccurate. On  XXXX   XXXX , I called the Experian credit bureau and spoke with  XXXX  from the " all-star '' team who refused to tell me who verified my information. I have been lied to and deceived now 3 times by this agency and the others and I am thoroughly disgusted with the manner in which they are neglecting the care of my credit file and mismanaging my information in a negligent manner. This is  MY cre dit file and I have a right to know what is going on with the dispute of the information and it should be absolutely transparent to me the process they are taking and the information obtained. Please help me get this information removed as they have not done what was asked in the prescribed time allotted and ignored my request to investigate correctly. Had they done the job right the first time I would n't have had to request this a  XXXX  time. I will also be sending copies of this to the BBB and the Attorney General for review.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I have a  XXXX   XXXX   XXXX  retail card issued by  TD Bank.  I was talked into taking advantage of the  6months no in terest a sofa i was interested. Purchased sofa  XXXX / XXXX / XXXX . Continued to make monthly payments until paying off balance on the website  XXXX / XXXX / XXXX . Seeing the website showed a zero balance, I assumed this balance was paid in full. I continued to receive emails of statements however i did n't think i had any reason to concern myself with the raymour account any longer.  XXXX   XXXX , i received an out of the ordinary letter in the mail telling me my account was past due and there was a {$260.00} balance that has been gaining interest and late fees since  XXXX / XXXX / XXXX .     I immediately called the  TD Retail  division that handles these types of accounts and asked for an explanation as to what had happened. After some investigation i was told my last  XXXX  bill was officially due on  XXXX / XXXX / XXXX  - I had paid the entire balance  XXXX / XXXX / XXXX  and there was changed aprox {$150.00} in accrued interest unbeknownst to me. The {$150.00} was n't charged to my account until the  XXXX  billing cycle. Having not being aware of this  TD Bank   XXXX   car d was no longer on my radar of monthly bills. The CS representative also explained to me the y TD is not oblig ated call customers with outstanding balances. I however found this outrageously deceptive and asked to speak to her supervisor because now i was n't so worried about the outstanding balance, I have cultivated excellent credit rating and now feared any marks against my credit. Having to wait 3 days for supervisor to call, i was in a meeting when he called and had to call back. I called back rou ghly 30minutes later and asked to speak w/ him as i was returning his call back. The representative wouldnt put him on the call and she was playing the part of a proxy to mediate this outcome. She told me they would take off 3 of the late charges however it the marks against my credit will stay. I had no   choice but to pay the remainder of the bill, and hopefully through you and dealing w/ the  credit score comp anies, transunion and equafax hopefully i can straighten this out. My credit went from  XXXX  to below  XXXX . In my opinion this is very deceptive business operations.   XXXX   XXXX   emails me almost weekly snapshots of my balance, and or any new charges to my account. Why wouldnt a credit card company that would see an account is in past due, not call the customer and follow up? Why would they be shady by telling me they are not obligated to practice such business?  XXXX / XXXX / XXXX  promotion ended - i paid  in 6days apparently late and now my credit is in shambles. This doesnt seem ethical.  Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: IL

Complaint narrative:
I have con tacted M & M Credit several times disputing this debt. The company is reporting the debt on multiple credit bureau accounts with different amounts which is another violation of the disputed debt. I have disputed this debt and have not received any verification or validation proving this is my debt. I requested the account to be permanently removed from my credit report. My original dispute was   XXXX    XXXX  .     Merchants and med cr edit ( M & M ) in a mounts of {$4700.00}, {$61.00}, {$370.00}, and {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have sent multi ple 609 letters to get these two collections removed. I have also called and disputed these accounts online and   XXXX   nor Equifax will remove the negative accounts. These two negative accounts have been off my  XXXX  credit report for over two months and I have told   XXXX   and Equifax that but they wo n't budge and remo ve them. Neither accounts have validated themselves which is why   XXXX    removed them. In my screenshots  XXXX   XXXX   XXXX  and my   XXXX    app both show no negative accounts open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax has reported that a  XXXX  credit card account that I have was closed. This account is still active.This has caused my credit score from Equifax to drop over  XXXX  points. I have tried to resolve this issue three times with Equifax but the only result is that my score goes down each.  XXXX  has updated and correct information on my credit credit report if they would like to compare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
On  XXXX   XXXX    XXXX   I contacted  Navient  in order to try lowering my monthly payment as it jumped from  XXXX  to  XXXX  in a month. I could n't afford this new amount. I spoke with a representative in order to take care of this. I was told I could consolidate the  3 loa ns within the company for a lower interest rate, lower monthly payment but it would extend my loan in years. I was fine with that, I agreed to a payment of {$62.00} a month. I was informed that I qualified for this program and that I would have to m ake 3 consecut ive monthly payments of {$62.00} in order to stay in the program. On  XXXX / XXXX /  XXXX  , I logged into my bank account to see that not only did the {$62.00} come out of my account, but also the amount of {$200.00} that as my previous payment amount that was suppose to be discontinued. When I called  Navient, each  person told me something different, I finally spoke to someone and they were going to send an email to their boss to get my {$200.00} overpayment deposited back into my account, as the review of my account showed the person on  XXXX / XXXX /  XXXX   was suppose to cancel the  XXXX  payment. I logged into my  Navient  Account on  XXXX / XXXX /  XXXX   and the prior payment plan was still in effect. So I calle d Navient once again . They had then told me that I never actually was enrolled into a program, that the lady I spoke to a month prior just created the payments. Okay so now I am confused as to what really happened. Spoke to numerous people and then finally to  XXXX , who informed me that the employee just created payments, that i never got qualified for this new payment plan. Okay so I ask as how to lower my monthly payment, she tells me there is no way in which to do that and that my payment instead of {$200.00} will now be {$230.00} a month once again upping my monthly payment  again, 3  time in 3 months. They refuse to help at all, each person makes an excuse for the prior person. I have never had a problem with a loan company before as I have with Navient, I do n't feel that them continuing to up my monthly payment each month to satisfy them is fair to me as the loan holder. I do n't know what else to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax fails to respond to errors on my report They fail to update balances They fail to remove errors They do not update me on my requests They  drop my FICO   XXXX  points with no explanation When I request a copy the page states unable to complete your request When I call  XXXX  number they hang up This is a disgrace There is a  XXXX  point difference in equifax compared to the others I need Help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Dates  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 2017-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: TX

Complaint narrative:
R.S.Clark and Associates are inaccurately reporting to my credit repor t (  XXXX  &   XXXX   ) a debt that does not belong to me. This debt as been disputed several times and they are continuing to report it as " verified ''. This debt collection ag ency is in direct violation of my rights and the Texas law by not being properly licensed and bonded in the  State  of Texas to be a debt collector. They are reporting false information monthly on my credit report, as well as not being legally authorized to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On  XXXX   XXXX  Bank of  American p aid a check that deposited from my account which caused my account to overdrawn and charged a {$35.00} NSF ; which is perfectly fine. However on  XXXX   XXXX  BofA decided to charge me another {$35.00} fee for " extended overdrawn balance charge '' because I did not bring my balance current withi n 5  business days.     I get paid ever y two weeks and advised that this balance will be brought current on day 7 once my direct de posit hits my account ; however the bank did n't see fit to reverse the charge.     I think this is a very unethical charge and is a predatory charge to the consumer.

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 2017-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I originally opened my card in  XXXX    XXXX   and they granted me a {$1500.00} credit limit. That was very low at the time so I contacted them and asked if they could increase it. They said that I had to wait  six months and  that at that time they would review my account for an increase and most likely I would  qualify due to my high income and excellent credit. It has now been six months and I called them to increase the line and they once again refused to increase the line but did not give me a reason why. They then tried to coerce me into keeping my account for another six month s in order to potentially have the limit increased. My other credi t cards range from 10,000 to 20,000 credit limit but this card is only 1  500. Citibank lied to me   when I opened the account stating that if I kept the account f or six months that I would be eligible for a limit increase. I then told them to close my account and they transferred me from representative to representative trying to avoid closing my account. I asked them five different times to close my account and the account is still not close d. I would either like the account permanently closed or the limit increased to at least {$5000.00}. I have never been late on any of my payments, I keep my credit limit below 20 % of the limit, and I pay the card in full every month.

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 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Mediation
State: TN

Complaint narrative:
XX/XX/XXXX  I get a call from family saying someone has been calling them threatening to bring a lawsuit against me and put liens on all my property but refused to give them anymore details but left a phone number. I get home today and call  American mediation  with this phone number (  XXXX  ) I received from my family.   I talked to someone there who said his name fast and did not want to repeat it. I asked what debt they were trying to sue me for and he claims its a   XXXX   XXXX   account. I told them I had not had an account with them in years and that must be statue of limitations. He lies and claims it was  XXXX . I asked him his name so my lawyer could be contacted he refused and said he would see me in court. I called   XXXX   XXXX   and they confirmed it was past statute of limitations. This company is obviously out to defraud seniors and anyone else they can.

Company response to consumer: Untimely response
Consumer complaint received 2017-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
My wife and I are elderly retired people that survive on our social security income only. I had  XXXX   XXXX   XXXX  in  XXXX  and could not work any longer as a  XXXX   XXXX  and had to retire in  XXXX . My wife was knocked down on her job about 3 years ago by a forklift and could n't go back to work as a  XXXX   XXXX . My wife is on Social Security  XXXX  as a result of this on the job accident.     Our combined Social Security checks are not enough to pay the current the mortgage amount which we paid on time every month on time until last year. We requested modification of the mortgage from our lender,  US Bank and our modification request was approved late last year. We were advised that we needed to make 3 trial payments of {$830.00} in order to complete the modification. We had to leave the country for a few months so we called US  Bank on  XXXX / XXXX / XXXX  and spoke with  one  of their employees,  XXXX   XXXX   XXXX , our assigned representative. We informed  XXXX   XXXX   that  we were leaving the country for a few months and asked if we could have the trial payments automatically deducted from our bank account. We were advised that this was possible and th e 1st tria l payment was deducted from our back account via  XXXX   XXXX   XXXX  pay on  XXXX / XXXX / XXXX . We were under the assumption that the remaining two trial payments would be deducted automatically.     We called  US  Bank in  XXXX   XXXX  to inquire why the money was not deducted from our bank account and was advised that it was not possible to automatically draft trial payments from a bank account and we needed to have made the remaining trial payments and since the remaining payments were not received, loan modification was cancelled. We appealed this decision on the grounds that we not properly advised by  XXXX   XXXX  and we have proof that the money was in our bank account waiting to be deducted. We were advised that there is nothing that could be done and to re-apply for modification.     We followed their instruction and re-applied for modification a second time but our request was recently denied stating that we are now not able to afford the mortgage since we owe more money now, we are 11 months behind on the mortgage. This is unfair and we disagree with this decision when are in this position because their employee gave us incorrect information. Attached is the appeal letter we sent to US Bank challenging the denial of the re-modification of the our mortgage.

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 2017-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Credit Plus Inc
State: CO

Complaint narrative:
I did not authorize or have any idea why this inquiry is on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I started an account wit h TD Bank to  help rebuild my reputation with banks. Unfortunately I never received my statements. According to TD bank my account was closed due to no activity and charges were placed on the account by the bank in the form of fees. According to a letter supplied by  XXXX   XXXX   XXXX   Direct Line   XXXX . When I asked for Verification of Debt, which I have complete right to unde r US Code 15 USC ( Fair Debt Collections Pra ctices Act ) I was told "  XXXX . '' the gentlemen completely refused to of fer Verification of Debt. I  had no idea that this matter was outstanding, and that is demonstrated because I attempted to start a third account, it was frozen because I owed,  XXXX  on  XXXX  account and another account was  XXXX  dollars and that was forgiven. I only contacted this bank because I was going through my  XXXX  account and my   XXXX   to clean up any issues. I believe that the  XXXX  report may even state that this was paid, I will have to find that document and followup either way.

Company response to consumer: Closed with explanation