vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed. 
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.

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 2018-10-09 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: FL

Complaint narrative:
Please help me with getting TransUnion to remove an illegal account from my credit report. The illegal tradeline in question is XXXX XXXX. The alleged account is illegal under The Florida Consumer Finance Act, Title XXXIII, Chapter 516.02 which states that a lender must hold a valid license to offer loan products in the state and any loan contracted or received, wherever made, without a license is INVALID and UNENFORCEABLE under the law. It has been validated by the FL Department of Business Regulation and the FL Attorney General that XXXX XXXX does NOT hold a license to offer loan products in Florida. 

I have disputed this tradeline with TransUnion multiple times and provided all legal information, yet they refuse to remove it. Each time I am told that they have " Validated the debt with the creditor '' which is simply not possible as I have also requested this from the creditor and was told they can not validate as the account has been sold elsewhere. When I asked for evidence of their legal ability to offer loans in FL I received the attached response which validates nothing. Just another refusal to validate. I have asked repeatedly for TransUnion to verify the legality of the account and they simply close the dispute with no investigation. This account is illegal and TransUnion continuing to report it is a violation of the Fair Credit Reporting Act. 

The FCRA requires credit reporting agencies to remove invalid information from credit reports. The Florida Consumer Finance Act renders this tradeline invalid by law. TransUnion remains the only CRA that has not removed this tradeline. They must remove it or remain in violation of the FCRA.

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow. 

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

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 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Couple different items occurred with XXXX XXXX XXXX. They acquired the loan after a permanent modification and failed to notify me @ the address on file. I had to seek them out based on data from the prior lender when payments were returned. Despite my efforts they marked the first mortgage payment as late despite my proactive efforts. This has a material impact on my credit score and they refuse to address this. This is the only late payment on this or any other account on my credit report. 

Secondarily, after repeated attempts they continue to send pertinent mail to the property address. 1098s and things like changes to escrow.

Thirdly, they had a 3rd part review the flood insurance on the property. I, within the time allotted procured flood insurance from a national carrier @ $ XXXX/year. Further I followed their process, uploaded the binder and assumed the issue was ended. Instead they are providing flood insurance @ $ XXXX/year and claim to have not received the binder. Customer service rep XXXX on XX/XX/XXXX confirmed the document had been received and I've been billed in error. 

Fourthly, the password reset routine on their website has been dysfunctional for at least 3 days. Requiring me to call to get a reset to access the latest data. 

It looks a lot like XXXX XXXX XXXX is in the business of making it difficult for folks to pay the mortgage as agreed and have a larger interest in generating fees and challenges for the mortgagee.

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 2018-10-09 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, a letter I sent to Well Fargo Office of The President was received at their office. In the letter, I requested pertinent information pertaining to an account Wells Fargo is Inaccurately reporting on my credit Report. In the letter I specifically wrote " ... you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system. '' The purpose of the letter was to dispute an account that is inaccurately reporting on all three credit reports. 

On XX/XX/2018, I received a voicemail on my phone from XXXX XXXX, DS Executive Resolution Specialist from Wells Fargo Auto. She called me from ( XXXX ) XXXX extension XXXX. Her call was unacceptable and violated my rights under the Fair Debt Collections Practice Act. This call left me feeling confused and she disregarded my personal request written in the dispute letter received by her office on XX/XX/XXXX. The documents that she sent as proof does not match my legal and correct name and violates the UCC 9-506 ( b ). EFFECT OF ERRORS OR OMISSIONS. I demand that this account be deleted immediately off of all three credit reporting agencies.

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 2018-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I have asked Ally Auto Financing back in XXXX then again in XXXX, XXXX and XXXX not to call my cell phone during the hours of XXXX to XXXX XXXX that it is an inconvenient time frame due to my cell phone is used for work purposes. They continually call during those hours and when I send it to voice mail they will call back approx. 6 to 10 minutes later. I do not dispute that I am behind on my loan, due to divorce and health issues along with the car being broken down and in the shop for about 2 months along with paying out for rental cars, but they have now gotten me in trouble at work I have had 2 verbal warnings and I can ' afford to loose my job. They will call me week day during the time frames that I asked them not to call and will call 2-3 times a day. the calls are coming from the West coast and I am on the East Coast. so far this month they have called me on XX/XX/18 at XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018 XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX, XX/XX/2018 at XXXX and today XX/XX/2018 at XXXX and then again at XXXX XXXX. it was like this the whole month of XXXX, XXXX and XXXX. This is getting to the point where I'm getting ready to get terminated from my place of employment. I have finally had enough and want them to come get the vehicle so they will no longer harass 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 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I have a collection reporting from XXXX XXXX, I saw on my report that I have a collection I went and paid it just so it would be resolved. I was unsure what the debt was so I have made several requests for them to tell me what it is for after paying the debt. I should not have paid it without but I was thinking it wouldn't effect me if I pay it immediately. Boy was I wrong and now they are completely ignoring me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
IN XX/XX/2016 I STARTED RECEIVING CALLS & NOTICES REGARDING AN UNPAID BALANCE FOR XXXX XXXX. I DISPUTED THE ACCOUNT & THOUGHT IT WAS TAKEN CARE OF. HOWEVER, THE ACCOUNT WAS CHARGED OFF & SOLD TO MIDLAND CREDIT MANAGEMENT. I THEN DISPUTED IT WITH THEM WITH NO SUCCESS. THE ACCOUNT APPEARS TO BE FOR MEDICAL TRANSACTIONS WHERE I WAS NOT THE PATIENT

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: SC

Complaint narrative:
On XXXX XX/XX/2018, I was issued a loan from XXXX, XXXX d/b/a Sky Trail Cash for {$700.00}. To date, I have paid {$350.00}. XXXX, XXXX d/b/a Sky Trail Cash expects an additional six payments of {$170.00}. If I make the eight payments, I will pay {$1400.00} for a {$700.00} loan. Per  South Carolina law ( where I reside ), payday loan lenders can only charge up to {$15.00} per {$100.00}. On a {$700.00} loan, the fees collected should be {$100.00}. If I pay a total of {$1400.00}, I will repay the {$700.00} PLUS {$720.00} in interest. I will pay MORE in interest than the loan. I will pay {$620.00} more than allowed by South Carolina law. 
XXXX, XXXX d/b/a Sky Trail Cash is a predatory payday loan lender hiding behind Tribal laws. Payments are due on paydays. The interest being charged according to documents is 584.90 %!!!!! 584.90 %!!!!! This coupled with the payments due on paydays classifies XXXX, XXXX d/b/a Sky Trail Cash as a PREDATORY payday loan lender. 
XXXX, XXXX d/b/a Sky Trail Cash preys on individuals in dire financial situations and profits astronomically and excessively on those situations. It is DISGUSTING and CRIMINAL. 
I will repay the {$700.00} loan. To date, my balance due on that is {$340.00}. I will pay that {$340.00} plus the {$100.00} in allowed fees for a total of {$440.00}. I will NOT, however, pay {$170.00} per payday. I will settle this matter with the payment schedule outlined below : XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$50.00} XX/XX/XXXX : {$48.00} All payments as outlined above will be made by check mailed to XXXX, XXXX d/b/a Sky Trail Cash. 
Companies like XXXX, XXXX d/b/a Sky Trail Cash which prey on individuals under hardship conditions must be stopped or, at the very least, strictly regulated. These companies cause spirals of financial hardships for individuals ALREADY facing financial hardship. 
I will continue to file complaints until a FAIR settlement is reach. My paying 584.90 % in interest is hardly fair!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX is attempting to collect on a debt I do not owe. I did not know that they were trying to collect on this debt until I checked my credit report. This debt is not mine and I demand they provide proof with something baring my signature. I have not received any documentation on this debt. I did not receive my 30 day right to dispute, and it has already been added to my credit report. This is in clear VIOLATION and should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
I never did business with the company XXXX XXXX and that I disputed it 2 times and both the company and the credit bureau never provided me with a signed contract with my signature. A collection bill is not a validation and that I have a right to be provided with proof or it needed to be 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 2018-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ARS National Services, Inc.
State: NY

Complaint narrative:
I WAS CALLED SEVERAL TIME FROM THIS COMPANY CALLED ARS NATIONAL XXXX THEY are calling my cell phone and my job and I've asked these people many times to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
On XX/XX/XXXX I traded my XXXX XXXX XXXX for a XXXX XXXX XXXX. I called One Main Financial for a payoff on the XXXX XXXX, which they stated was good for 30 days. Shortly thereafter, on XX/XX/XXXX, I received a check from One Main Financial for {$700.00} which I deposited. On XX/XX/XXXX I received a notice from One Main Financial stating I owed {$1000.00} because I no longer had insurance on a vehicle they were financing. I contacted One Main Financial in response to the correspondance I received and had a One Main Financial employee fax over the amount she said I owed. The fax she sent stated I owed {$420.00}. I contacted them to state I don't owe and that I received a refund check for {$700.00}. I have been receiving bills from One Main Financial for various amounts. On XX/XX/XXXX, I received a bill for {$760.00}. I do not owe the bill. Based on the refund I received, I believe that my car was paid off by XXXX XXXX. The amounts in question are an attempt to collect " FORCE PLACED '' insurance during a time when I no longer owned the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a notice from B.O.A regarding an unauthorized XXXX payment in the amount of {$300.00} to XXXX On XX/XX/XXXX I contacted B.O.A and on XX/XX/XXXX I received a message from B.O.A advising that they credited my account and they were researching the claim. To this date I have not received further information regarding the claim. 

XX/XX/XXXX XXXX XXXX Alert from Bank of America regarding a {$1500.00} transfer out of my savings account and requesting confirmation of whether I made the request or not. 
XX/XX/XXXX XXXX XXXX. Received an email from Bank of America with info the recipient info of the transfer to a XXXX and it was transferred. 
XX/XX/XXXX XXXX XXXX.- received an email alert that the transfer was complete with transaction number XXXX conf. XXXX XXXX. 
On XX/XX/XXXX I had outpatient XXXX and was recovering until approximately XXXX that afternoon at which time I saw the 3 emails for the first time. I immediately contacted B.O.A to advise them that the transfer request was not authorized by me. They immediately closed my checking and savings account and locked my online banking account. At that time B.O.A started an investigation into the fraudulent activity. 
On approximately XX/XX/XXXX A B.O.A Associate contacted me and asked me some questions. Did anyone use my phone? Did I know a XXXX? They subsequently advised me that the transfer was made from my phone and that they were not going to reimburse me the money. 
The following Day I went into B.O.A. and showed them the papers from the XXXX center and proving to them I did not use my phone when the transfer was made. B.O.A digital fraud dept. told me I need documentation from my wireless carrier stating that there was malware on my phone otherwise they could not honor my claim. 
I went to XXXX and talked to the tech dept. and they verified that there was no malware on my phone and was told that there are several other ways this could have happened. 
On doing some internet research of my own I found an F.B.I. bulletin dated XX/XX/XXXX The Data Phone Scam entitled The Latest Phone Scam Targeting Your Bank Account,, wherein was exact fraudulent activity I experienced during this event.

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 2018-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
To date Navient states I'm responsible for a balance of {$900.00} plus but I'm still enrolled in school and the company states my school is not eligible for the " In School Deferment '' when I've been a student at the school since XX/XX/2014. I'm receiving harassing phone calls and emails, missed payments on my credit report when I haven't even graduated nor stopped going to school. I believe they are trying to scam me into paying something I am not yet required to pay since I'm still enrolled in school as my educational institution has reported my enrollment status to the clearinghouse. Navient is scamming people out of money and reporting bad information on credit reports for their own personal gains.

Company response to consumer: Closed with explanation