vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
Complaint is against XXXX XXXX XXXXt and their subsidiaries. I am being charged for 4 loans and can only recall receiving 2. I have been sued by these second hand creditors who have failed to provide legitimate documentation for two of the loans but due to my not being able to afford an attorney the judges chose the sides of the attorneys. Loan amounts are {$29000.00} XXXX XXXX XXXX XXXX XXXX, {$24000.00} XXXX XXXX XXXX  XXXX, {$16000.00} XXXX XXXX XXXX  XXXX, {$24000.00} XXXX XXXX XXXX. Also The interest rates were not fully explained and the loans actually doubled for repayment. XXXX XXXX pretended to be a lender that had the best interest of the students but was not. My mother, XXXX XXXX who was my co-borrower and I have been harassed by each of these debt collection agencies. I am asking that my complaint be included with the XXXX XXXX XXXX complaints and that the loans are re-evaluated and that me and my mother are only responsible for the 2 loans received. 
XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: NCSPLUS INCORPORATED
State: GA

Complaint narrative:
I paid my HOA bill for this year and last year. My HOA turned it over to a collection company. I emailed the collection company a copy of my bank records. The collection company put it on my credit and it has damaged my credit. I paid {$500.00}, {$250.00} in XXXX and {$250.00} in XXXX. The bill was {$350.00}!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this  however, I have not been successful.

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 2020-02-13 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly a collection in the amount of {$140.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was wrongfully evicted from my apartment. I was continually being harassed by the on-property maintenance worker and had no choice but to report his behavior to the office manager of the complex. The harassment escalated and one day I came home to find this person in my apartment going through my drawers and personal belongings. I filed a police report. In retaliation the apartment complex evicted me without notice. This false reporting of a collection that I do not owe is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.

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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Innovis
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9300.00}, {$10000.00}, {$780.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- INSTALLMENT LOANS -- 1. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9300.00} -This is not my account. 

2. DPT ED/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$780.00} -This is not my 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 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Clarity Services
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: FactorTrust, Inc.
State: GA

Complaint narrative:
I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXXXXXX   INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
I have had 2 issues with Freedom Mortgage corporation.

Issue 1- In XX/XX/XXXX I made the decision to pay for my home insurance directly. 
Freedom Mortgage contacted me to say they were going to place a Forced Insurance Policy on my account because I did not have insurance. I informed them there was a policy, and they asked me to upload a copy of the document on MyCoverageInfo.com in XX/XX/XXXX, XX/XX/XXXX ( when I was made aware the issue was not resolved ) and again in XX/XX/XXXX when I followed up. My browser history confirmed I had done this multiple times. To date, I have not received my reimbursement for the cost of their forced insurance coverage. This is the 2nd time they had done this, as they charged me again in XX/XX/XXXX and only credited 1/2 of the policy back to me. 
Over a dozen calls to customer service did not resolve the issue. 
Issue 2- I sold my home on XX/XX/XXXX. The title company paid 100 % of my XX/XX/XXXX tax bill. Thus, all of the money in my escrow account should have been refunded to me in 30 days per Federal Law. As of XX/XX/XXXX, Freedom Mortgage confirmed they are going to pay the county my tax bill, wait for the refund ( because its already been paid ), then send me the balance back within 14 business days after they receive 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 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
) I previosly inquired about similar circumstances in XXXX*-please do not classify this as duplicate complaint- Because I was homeless and disputed PRA again-yet they say I haven't " provided them with docs. '' *XXXX Long story short, please see the written communications attached showing that PRA is still violating your very own rules and legislature 's laws regarding deception/misleading/misrepresentations ; XXXX IS NOT PARTICIPATING IN COLLECTION EFFORTS WITH PRA-YET PRA SENT ME A LETTER WHICH BY IMPLICATION WOULD DETER ME AND ANY OTHER FROM EVEN CHALLENGING PRA 'S LEGAL OWNERSHIP OF THIS ALLEGED DEBT. This is because they have nothing authentic as evidence. 

I am XXXX yrs old and am experiencing much stress as a result of dealing with an alleged debt, which Portfolio Recovery Associates has attempted to coerce me to pay-yet they refuse to show me authentic documents despite my disputes. 
The FDCPA laws say ; 15 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : Specifically ; e ( 2 ) - The false representation of ( A ) the character, amount, or legal status of any debt ; e ( 6 ) - The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; e ( 8 ) - Communicating or threatening to communicate to any person credit information which is known or which should be known to be false ...

e ( 10 ) - The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.

MORE APPROPRIATELY ; e ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization. 

Please see dated attached docs and help me to resolve this trickery before I resort to a the courts. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Yes I have over XXXX total cash in my savings with Wells Fargo they mislead me and had me open a secure credit card over a year ago with XXXX down to secure the card. They are scamming people as they sent me a XXXX dollar unsecured card but refused to i grade my XXXX dollar card knowing they are over 220 thousand dollars just in my savings I am a XXXX XXXX and I wont be be discriminated against or cheated with their secure credit card program which I meet beyond the guidelines to insecure it as I made over 30 payments and always keep a XXXX monthly balance

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I successfully completed, signed and notarized a loan modification with Shellpoint Mortgage in XX/XX/XXXX. In XX/XX/XXXX the loan was transferred to another servicer, XXXX XXXX XXXX. As XX/XX/XXXX my modification has not been completed. My loan is in limbo and I have been making payments that are not credited to my loan. I call both companies and everyday. XXXX told me today XX/XX/XXXX that they can not get the terms of the loan to match the terms that Shellpoint sent. XXXX says Shellpoint is not responding, Shellpoint says XXXX has everything they need. 

Originally, I was told that in order to start the trial modification I would need to pay {$10000.00} prior to the first payment in XX/XX/XXXX. In XX/XX/XXXX I expressed my concern about paying {$10000.00} essentially a down payment that was not noted in the agreement. There was no mention of the {$10000.00} anywhere, I went out of my way to continue to tell Shellpoint that this didn't seem right. Well my fears are now validated because XXXX indicates the {$10000.00} is the very reason they can not process my loan - because the {$10000.00} was not spelled out in the modification paperwork as a down payment - it is essentially showing that I made all the trial payments as a lump sum. 

As of XX/XX/XXXX nothing is resolved and I am still limbo with this loan. Its is extremely hard to get anyone on the phone at either company. 

Specifically I have left messages for the Supervisors at XXXX, XXXX XXXX and XXXX XXXX but no one cares enough to call back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 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: AR

Complaint narrative:
This is the first time I have ever encountered identity theft. I pulled my credit and there are many items I were not familiar with. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my income taxes has already been filed. Please remove these unknown items from my report. 

DPT ED/XXXX XXXX {$1500.00} DPT ED/XXXX XXXX {$2700.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$6300.00} XXXX  XXXX {$3500.00} XXXX  XXXX {$1800.00} DPT ED/XXXX XXXX {$140.00} DPT ED/XXXX XXXX {$870.00} XXXX   XXXX {$3500.00} XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$10000.00} XXXX  XXXX {$3600.00} DPT ED/XXXX XXXX {$7300.00} XXXX  XXXX {$6800.00} XXXX  XXXX {$3700.00} XXXX XXXX XXXX   XXXX {$0.00} XXXX XXXX  XXXX {$420.00} XXXX AR XXXX {$480.00} XXXX  XXXX {$12000.00} DEPTEDXXXX   XXXX {$2200.00} DEPTEDXXXX XXXXXXXX {$4000.00} DEPTEDXXXX  XXXX {$1200.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX {$820.00} XXXX   XXXX {$4000.00} XXXX XXXX {$30.00} XXXX   XXXX {$190.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4100.00}

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 2020-02-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I opened an account with TD Bank - Preferred Savings Account in XXXX XXXX NY in XX/XX/2019. I previously filed a complaint with CFPB Complaint # XXXX. 
The problem is that when I opened the account - with the understanding that if I made three initiated transactions from my TD checking account each CALENDAR month I would receive the " BUMP - UP RATE ''. Since my last complaint I have visited the back on several occasions to inquire as to why I am still not getting the Bump up Rate. After reading XXXX XXXX 's, ( XXXX, TD Bank - Head of Consumer Deposit Products & Payments ) letter in response to my initial complaint it states that I need three transactions a calendar month, the problem is that the bank is not using the calendar month from my associated checking account but the dates from the XX/XX/XXXX of the previous month to the XX/XX/XXXX of the next month. The problem is the Savings account dates are not in sync with the Checking account therefore I have lost several hundreds of dollars in lost interest. I have spoken to the VP at that branch and the Assit. Store Manager who both acknowledged the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: WESTERN UNION COMPANY, THE
State: VA

Complaint narrative:
Western Union refused to refund {$420.00} for money order bank refused to cash. They were sent proof three times. First time lost it, second two times refused to read it.

More than 3 dozen emails, calls, and chats, still refuse to refund. Frequently don't answer. Call center cuts off. Supervisors refuse to answer calls. 

I would like any reason not to sue them in small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc.
State: CO

Complaint narrative:
Prosper pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called XXXX XXXX to see if they can help me dispute my credit score,  they stated that they need a letter of the loan denial. I called Prosper again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.

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 2020-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank calls multiple times per day ( usually between 3 - 5 times per day ) regarding debt. The company calls from multiple different numbers.

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 2020-02-13 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: AR

Complaint narrative:
I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX XXXXXXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXX and one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$420.00}

Company response to consumer: Closed with explanation