vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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: NY

Complaint narrative:
Transunion agreed to remove fraudulent items but has not yet removed.

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 2019-06-05 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX shows that I opened an account with XXXX XXXX   which is not accurate I attempted to open an account but was declined by XXXX XXXX XX/XX/2015 this account is closed and should be removed off my XXXX XXXX XXXX Report. I need XXXX XXXX XXXX to provide all methods used by them to verify this account information as accurate. This incorrect information will be used by financial institutes to decide if they should extend me credit and other offers which I have been declined for in the past

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Incorrect information on your report — Account status incorrect
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Regions Banks are reporting that account was opened on XX/XX/2015 when this account was declined but was reported to XXXX XXXX XXXX XXXX I have never had an account with Regions Bank and they are reporting inaccurate information that may have other financial institutes decline or refused to extend me offer for the next 7 years. Regions Bank pleae provided all methods used by you to report this as accurate to XXXX XXXX XXXX Account Number 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 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
For the past few years I have scheduled my Citi Mastercard payment through XXXX auto bill pay on the due date, the XXXX of each month or earlier if it falls on the weekend. I have had no issues until this past XXXX. The payment was sent electronically to them on the XXXX and they Citi claimed they received it on the XXXX and issued me a late fee of {$25.00} which was reversed after I called. I even scheduled on the XXXX of the month and they still received on the XXXX even though it was sent electronically of the XXXX. Apparently this continued for the months of XXXX - XXXX. I was assessed a late fee of {$25.00} for XXXX and {$35.00} for XXXX and XXXX totaling {$95.00}. I brought XXXX XXXX  into to file a complaint and to contact Citi for resolution as their records showed payments sent electronically on the XXXX. We spent over an hour with no resolution and multiple transfers to no one that could assist. They even gave us a different phone number to call that was not even connected to the account.

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 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have submitted Identity theft report in reference to accounts open using my identity. After reaching out to Equifax I was advice what to do in order to remove accounts from my credit file. I took liberty of sending documents requested by Equifax in order to have information blocked/ deleted from my file. However, after being told from Equifax Fraud dept. information would be blocked it is still showing on my credit file. This matter has been on going for quite sometime now. I feel like a suspect instead of a victim. My life has been ruin, trying to obtain credit. I found out I was a victim of Fraud when I applied for a mortgage in 2018. I am reaching out to CFPB to assist me in resolving this issue. It has been a nightmare dealing with credit reporting agency. I have tried to resolve this matter amicably with Equifax. Now I am taking it a step further. Thanks for your time and attention in regards to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I opened a Checking and Savings account with Ally on XXXX I transferred funds from XXXX to Ally to open both accounts. The funds are already withdrawn from my account at XXXX and they have held the funds. I have NO ACCESS to funds there is no branch I have no debit card no checks. I have asked 3 times today to have a Debit Card overnighted or expedited to me and they said no this can not be done. I want access to my money.

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 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Guild Holdings Company
State: TX

Complaint narrative:
My home is located in XXXX Tx, where two counties charge me taxes which equal to {$4800.00} for BOTH counties which are XXXX and XXXX counties. XXXX county sends out a bill that includes both counties on it. Guild mortgage believes for whatever reason that XXXX County is XXXX in taxes and XXXX County is XXXX. I've explained and submitted paperwork for over a month ago showing a breakdown since the house was built of how much taxes are. Guild Mortgage has increased my mortgage payment first from XXXX to XXXX and now they have raised it to XXXX ( all in one the span of a year since I just purchased my home in 2018 ) because they think that my taxes went up to XXXX. I've explained many times, shown proof that homes in this area ( streets ) are not XXXX. They want more paperwork when they should be the ones verifying how the taxes are broken down for this home. None of the neighbors that I've spoken to have had this issue with any of their mortgage companies and they too pay two different counties and get billed the same way. I've called at least ten times and spoken to many people, some who understand the issues and they refuse to transfer me to the tax department and just tell me to email them but I don't get a response other than an automated one.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Security National Automotive Acceptance
State: AK

Complaint narrative:
I was having a hardship paying my car payment and SNAAC didnt offer a payment plan or a lower payment for longer. They just said to get an XXXX XXXX XXXX loan which is not for withstanding debt. I called to try to give them my credit card and the Customer Service Agent said it wasnt accepting it because it was declined before but I had money at the time. I have two loans through them and I accidentally payed for the wrong car. The one that was wrecks with no insurance so I have been paying on it anyways since 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Td on line banking is NOT complying with real time banking They're continuely showing my credits/debits later then the dates they actually happen. I have screen shots that do NOT match account information. I have atm receipts that do not match same time/ day as screen shot of on line banking. I have XXXX  XXXX   statements that show the tolls were pd days before they show up ( I am enrolled in instant payment ) I have receipts from gas stations that show up on line days later ( they're not letting you go on the turnpike if you haven't pd lol ). I have monies sent out through the bank, with XXXX, on the XXXX shows up on line the XXXX ( instant electronic transfer. Received ) My wife gets pd every 2 weeks ( XXXX & XXXX ) from XXXX XXXX. Direct deposit XXXX makes sure that the check is in the bank on the XXXX. We have received an overdraft fee because something was purchased at XXXX XXXX  on the XXXX. ( Fee was listed as debit card authorization. Not the 1st time ) when I questioned it I was told that it didn't post untill XXXX ( according to XXXX direct deposit the check is available at XXXX XXXX ) They hold sales ( vendor pd, taken from account ) and dump everything at once. This usually happens on weekends and holidays While the account in formation is accurate the on line banking isn't causing me a large amount in overdraft fees ( and I am not alone ) I have tried to resolve this with the bank many times and am stonewalled or put on hold. I have tried other govt and outside agencies and everyone seems to be afraid of a bank. Hopefully you can help. I'm not alone in this and it involves millions of shuffled dollars I believe that it is not legal for banking on line platform to not accurately show all banking immediately. It's called real time banking I'm sure it will be explained as a temporary problem ( I have a mass email from c.e.o. saying sorry temporary glitch in on line 6 months ago lol ) This shouldn't be allowed to go on but it's a bank so it will

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Identity theft victim

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
I am a senior citizen and my husband passed away 9 years ago I'm being harassed With English phone calls When I answer the phone it's a recording I attempt to call back and there's no answer If the debt was mine I do believe there's a statue of limitations but I do not believe that it's mine I suffer from a little memory loss

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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2019, I deposited a insurance claim check for a family member. Before depositing the check I verified the account and routing number. After depositing the check on XX/XX/2019, I received a email stating the funds were available for withdrawal in the amount of {$7500.00}. With this information I withdraw the funds and gave them to the payee of the check. On XX/XX/2019, I received another email from Chase Bank stating the transaction had been reversed because a stop payment order was in effect. I contact the insurance company and was to that their Bank which also is Chase had a stop payment order issues 9 months ago and the bank should not have honored it. I then contacted Chase corporate office and told them about the stop payment on the check that they honored. I was told that I was liable for the funds. I then went to the UCC Code for Banks honoring over a stop pay order and found under code 3-4, that a bank is liable because they do not act in good faith by causing a loss to my account. Had the they inquired within THEIR OWN RECORDS they would have ascertain that a stop payment order had been issues and not to honor the check. But because they did not inquire or research their own files of another account holder of their Bank it caused a check to be honored through my account. Their actions place a loss to my account which never seen have happen. The bank is liable under the UCC Code because it honored over a stop payment order. This order included anyone who deposit or try to cash the check it is to be not honored. Also under the UCC Code a holder in due course law needs to be enforced. Businesses do not follow or have knowledge of these codes and they need to be enforced. Under your account agreement with Chase it states if they honor a stop payment item they are liable. It doesn't state who had to place the stop payment order. Who is liable now?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I have made several attempts to communicate with my new service, XXXX, on the option of having my mortgage recasted. I have paid my mortgage balance down, their website states that this is an option for customers. 
I have called and they stated for me to email them at XXXX which I did on XX/XX/. I called a week later to follow up on my request and the caller stated that a supervisor would be emailing me the next day. This did not occur. I went on their website and sent a message through " contact us '' link and asked for the same thing. When I went to follow up on this request, I literally sat on hold for 35 minutes waiting for them to pick up. 
I want to know what I need to do to recast my loan. The first time I called they pressured me to try and refinance my loan and I am not interested in that. I am not sure why they are not communicating with me.

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 2019-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
ACE CASH EXPRESS loaned me money on two separate occasions and both went to different debt collectors, one was six years old and one was a year ago. I was contacted and threatened with jail time for felony wire fraud and even told its 90 days jail time if I did not pay that day. The collection agency stated my case was on the docket for XXXX that day and misled me to believe if I didnt pay I would be pursued criminally. Another debt collection company contacted me about my six year old debt threatening me with theft by deception and jail time. Ace cash express is aggressively collecting debt from consumers still even after they were sued and had to pay back XXXX  million in damages. Collectors should not be threatening jail time nor should they be pressing criminal charges for a debt that was unpaid due to financial hardship. I have every intent to pay the money back but I have been going through a very tough time financially. Ace cash express states the debt is in collections and theyre unwilling to make payment arrangements with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: NY

Complaint narrative:
I used my NetSpend prepaid cards in XXXX platform only later to be advised that all bookings were illegal transient use unsafe and other. Requested NetSpend to issue charge back after all the work I did to assist they in filing 2 claims under # XXXX and # XXXX they issued credits but we're not paying all the disputed charges in my claims that I submitted. 
NetSpend closed each account I had .then blocked me access via calling them having hard time to collect the remaining disputed charges, NetSpend sided XXXX validated them, they couldn't each booking was short term illegal contrary to NY multiple dwelling law in fact NetSpend wouldn't send me any rebuttal by XXXX I had to beg them for it yet what they provide was baseless. NetSpend then told me in on my in and won't go after XXXX too resolve it Ms XXXX from NetSpend said that. I went back to them via e-mails and calls telling them it's part if my claims you can't. You also violated my rights under fair credit act. They distressed me so much. 
I had two charges XXXXand XXXXthst are pending they refuse to restore the charge back to me knowing they are illegal and city if XXXX XXXX issued violations illegal transient use, fire hazards ECT.  You can't allow them to go unpunished they said In not entitled to use their services anymore either all cause I file a claim. They are unfair violated my consumer rights under fair credit act ECT. 

XXXX  platform is illegal entity charging excessive fees for unsafe illegal transient use. NY building Dept in fact issued violations for illegal transient use of apt and other fire safety issues ECT. Contrary to law here. 
NetSpend contradicts itself if you restored a charged back on a few you can't ignore the others they are all illegal bookings. NetSpend is involved deceptive practices they try to not send me other fees till I caught them. 

They owe a duty to continue the claims that were unaddressed. 
XXXX can't validate what's illegal it's proof they admit they allow these shirt stays unsafe fire hazards conditions to the public and NetSpend is condoning it.

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 2019-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been a victim of Identity theft, someone has mysteriously open accounts using my identity. I have taken the liberty to file identity theft report, I was advised by Fraud department at Experian. I was told under the Fair Credit Reporting Act, the information contain in theft report would be blocked/ deleted at my request. However, after sending the report pertaining to theft, the account in question still remains on my file. I have not done business with the creditors listed in this complaint. I am asking for assisting from CFPB to help me get this matter resolve so I can move on with my life. It has been a complete nightmare dealing with this issue. I tried resolving this matter amicably with Experian. Please assist me, thank for time and attention in this matter.

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 2019-06-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I recently discovered unauthorized inquiries displaying on my credit file with Experian. I have been a victim of identity theft and have not applied for credit in anyway. I took the liberty of filing identity theft report in reference to unauthorized inquiries. Again, I did not apply for credit. Please assist me CFPB in resolving this matter. Enclose you will find report listing the inquiries in question. 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 non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I attempted to pay my XXXX Credit card on the due date, XX/XX/2019 at XXXX XXXX and when I click the link it would not allow me to pick today 's date. When I called in the representatives stated that any time after XXXX is considered late in the due date. XXXX will not allow you until XXXX to make a payment and that I will be charged the {$30.00} late fee even though my payment was submitted at XXXX the date it was due. I feel this is unfair as it was payed in the due date several hours before midnight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX  XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Machol & Johannes, LLC
State: CO

Complaint narrative:
as i cosigner on my daughters student loans, i have attempted to contact the service co. regarding a payoff and more recently after reading through the CFPB website, sent a request for release of the loan. my reasoning is i have retired and have significantly less income and my daughter has ( 1 ) been making payments and, ( 2 ) has been gainfully employed since she completed her residency. 
as seems to be the normal for this firm, i have not gotten a response. i sent the letter XX/XX/XXXX via email. i used a template from the CFPB site which requests a response whether accepted or not. it is courtesy to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation