vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 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: CA

Complaint narrative:
In XX/XX/2017 I refinanced my car loan ( XXXX - XXXX XXXX XXXX XXXX, N.C. XXXX - ( XXXX ) XXXX ) Unfortunately XXXX XXXX did not post the payoff for the vehicle until XX/XX/17 which caused a 30 day late payment rating on my credit report. 

I refinanced my car loan with XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, California XXXX - ( XXXX ) XXXX. Thank you in advance for your assistance

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 2019-03-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX XXXX Inquiry :XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX Inquiry : XX/XX/XXXX. 
XXXX XXXX XXXX  XXXX XXXX Inquiry : XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX. XXXX Inquiry : XX/XX/XXXX. XXXX XXXX Inquiry : XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: FL

Complaint narrative:
I have contacted this bureau several times regarding these unauthorized hard inquiries that are not mine.It has been well over 60 days and I have no received any response via phone or thru the mail. The customer service would not help in removing any of the negative inquiries reporting to my credit report. 

XXXX  XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX. XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX Inquiry : XXXX XXXX, XXXX. 
XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX XXXX XXXX  XXXX XXXX  Inquiry : XXXX. XXXX, XXXX. XXXX Inquiry : XXXX. XXXX, XXXX. XXXX XXXX Inquiry : 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 2019-03-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
Radus Global Solutions, LLC have my home telephone to contact but continues to contact me on the job. I've request that they contact my home # instead?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I looked online on Experian site ( Member ID XXXX ) and it said I have 1 late payment ( 60+ days ). I requested my credit report and it shows that all my accounts are current and I have no late payments. I called Experian and they confirmed that I don't have any late payments. Representative I spoke with said he'll send an email to their technical department to look into it. Because it is clearly a computer error. It is been a month and nothing is fixed. 
Please, look at attached images. This is screenshots from Experian website. 
It shows I have late payments but my reports has none.

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
HSBC advertised {$750.00} sign on bonus after depositing {$100000.00}. I confirmed this offer with them in XXXX ( see attached ) and I completed the requirement on XX/XX/2018. Now it's been over half a year and I still haven't received the sign on offer. I attempted to contact them but now they say they can't find this offer ( see attached ). They have been very slow in responses and I've tried to contact them multiple times. Please let me know if you need more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I have been actively paying on my student loan for 1 year. The payment plan I'm on doesnt even cover the monthly interest. I've paid {$2500.00} since XX/XX/XXXX and my balance continues to increase. I was never made aware that my payment wouldn't even cover the interest. I called XX/XX/XXXX to ask about the income based repayment plan because I heard it can forgive your balance after 25 years. The representative quickly deferred my payment which is not what I wanted to do. I didnt want the interest capitalized on the loan so I paid {$390.00} that day. I've been paying for 1 year and my balance has only increased. When will I ever get out of debt? My loan 's graduated loan payment doesnt increase until XX/XX/XXXX and at that time it only goes up by {$24.00} which will still not touch the principal. Navient failed to adequately explain my options and never warned me that my loan balance would continue to increase for several years even while I make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On my credit report thru experian has my birth year as XXXX and that is incorrect its XXXX I have disputed this with them and it has not been changed

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
While I was out of the United States, without my knowledge or permission, sixteen checks totaling XXXX were fraudulently written against my checking account.. The checks were forged between XX/XX/XXXX and XX/XX/XXXX. Upon my return to the United States, I went to the bank to withdraw funds for my needs and discovered the account was empty, I spoke with the bank official who acknowledged that the checks were written and cashed during the 2-1/2 years I was outside the United States.. 

On XX/XX/XXXX I reported the forged checks to the police department. On XX/XX/XXXX the person who forged my signature and cashed the checks was arrested and charged with 16 counts of Forgery of Endorsements. I am an elderly person, and the account was used for the Social Security Administration to deposit my social security checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I am trying to reach my mortgage company to find out how much I would need to pay off in order to have the PMI removed from my loan. 

After trying multiple times through the website 's XXXX XXXX XXXX " Contact us '' email feature, on XX/XX/XXXX I called a phone number I received on a refinance mailing from my mortgage company Lakeview Loans. The number was XXXX. They quickly told me that for my issue I actually needed to deal with the loan servicing company and they gave me a new phone number to call XXXX. I called this number and spoke with a " XXXX '' possibly " XXXX '', she told me that I needed to submit a request through the company 's website. As I had already done this on multiple occasions I told her that wasn't going to work, and asked for an e-mail address to send to. She provided me with XXXX. Upon e-mailing this address I received a confirmation of my e-mail and a ticket number and a statement that it could take up to 5 days to respond and that my issue was being sent to the " escrow '' department. I waited one week and on XX/XX/XXXX, after no response, I e-mailed them again and received the same response, and same ticket number. I waited yet another week and again tried to contact them through the website, with no response at all. 

Every month that I have PMI is costing me {$90.00}.

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 explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Ditech Financial got our XX/XX/XXXXXXXX tax form completely wrong and has not sent us a corrected version. 
A few days prior to XX/XX/XXXX, I submitted a request to have our XXXX corrected on the ditech website. The XXXX does not have the correct tax amount paid. Our taxes are approximately $ XXXX, box 10 shows {$1500.00}. Box 7 is not checked and the address associated with this mortgage is and has always been our only and primary residence. 
On XX/XX/XXXX I get an email response that a ditech customer service rep will be contacting me. That is the last communication I have received from this company. 
I repeatedly checked the website to see if they had posted an updated XXXX but they had not. 
Now they have sold our mortgage to another company and the ditech account is closed. This mean I can no longer access the documents I need. How am I supposed to do my taxes when this shady mortgage company can't get tax documents correct and has abysmal communication practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS

Complaint narrative:
USAA refused to do business with me as a result of my misconduct that was not related to USAA banking in any way. There advertising now says that they are open " TO ALL MILITARY MEMBERS WHO HAVE BEEN DISCHARGED WITH AN HONORABLE DISCHARGE '' I meet that criteria for membership however I am still blocked from USSA products. 

USAA must allow me to resume my membership as I fit their stated membership requirements and allow me to use all products that are provided to others. To not would be false advertising.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I initially contacted Bank of America ( BoA ) on XX/XX/XXXX regarding a disputed charge that a vendor acknowledged I previously paid but could not refund the charge immediately. The charge was to my local electricity company for {$500.00}. The vendor admitted that this charge was made in error, but I had to pay them in the immediate to turn my power back on. I know that BoA did not contact the vendor because I've spoken to the vendor numerous times since and receive confirmation that BoA did not contact them. The vendor recommended I file a dispute with my credit card company ( BoA ) as this was the quickest way to resolve the issue. On XX/XX/XXXX, BoA asked for additional documentation about my claim and a signed letter from me instructing them to continue to investigate. I was given the deadline of XX/XX/XXXX. On XX/XX/XXXX, I completed the required paperwork and documentation and saved an electronic copy on my computer for upload via BoA 's portal. When I logged in, BoA has disabled the upload function 5 days prior to the stated deadline. I immediately contacted BoA in order to request this be re-opened. I reached a customer service agent and was assured the portal would be re-opened the next day. It was not. I then contacted BoA three more time that week with the same outcome. I was then told my claim was closed and would not be reimbursed ( although my ability to provide documentation was denied 5 days prior to the deadline ). I have seen talked to BoA three times and they have repeatedly been hung up on and denied any assurance that my claim would be re-opened. I faxed my documentation to BoA and still have not had my claim re-opened. I am 12 days away from my payment due date and this charge has still not been removed from my account because BoA has unfairly made it impossible for me to provide additional documentation about my claim. I have attached the paperwork and documentation BoA initially asked for to this complaint. I just need them to re-open my complaint and actually communicate and investigate.

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 2019-03-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: UT

Complaint narrative:
On XX/XX/XXXX I called my new mortgage servicer XXXX funding because I recieved a voice mail. They claimed I have been paying late for the past 2 months. In XX/XX/XXXX I spoke with a representative who offered to put me in semi monthly payments. One on the XXXX the other on the XXXX. The representative I spoke to stated the amount paid went towards principle and the auto pay wasnt an option before it wasnt paid with in the grace period although I was paying half of the payment before the due date. A full payment was covered on XXXX and then the partial payment for XX/XX/XXXX was paid XX/XX/XXXX. The representative I spoke XXXX XXXX refused to reverse the fees even though he mentioned it was their error. He then transferred me over to consumer escalations. I spoke with XXXX XXXX. She told me there were late fees in the amount of {$140.00}. She opened a request and said she will get back to 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 2019-03-26 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: Complete Credit Solutions, Inc.
State: CA

Complaint narrative:
Complete Credit Solutions suddenly placed a collection account on my credit. It is account XXXX. They show it opened XX/XX/XXXX and reported XX/XX/XXXX. It also says date of last activity was XX/XX/XXXX. How can a new account be opened when last activity was years ago? It says original creditor XXXX but I do not ever recall a loan with them. I believe it was an erroneous account that we disputed long ago and was taken off. I believe it was over 7 years, almost 10. Now it has been placed back on our credit after disputing? No validation? Regardless of the origin, Complete Credit Solutions is re-aging the account to do maximum damage to my credit. We contacted and asked for validation but they did not want to discuss anything other than what we could pay. We told them it is disputed and wanted the debt to be validated. Nothing.

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 2019-03-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have bank of America account for 12 years. I had set up auto pay on all my credit cards. Without any notification bank decided to cancel auto pay every year recently. So we as customers started getting late fee charge. When I called to complain they say it's a new policy, you will have to get up auto pay every year again n again. I have 15 credit cards with different dates and months, so I need to remember to reschedule payments again n again. What is this scam?

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 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX Suntrust allowed XXXX to withdraw {$1100.00} from my bank account, without my approval, using a debit card ending in ( XXXX ) that was no longer active for it was closed by Suntrust on XX/XX/XXXX due to fraud. XXXX was never set up on automatic withdrawal for I would have to go into my account each month and submit a one time ACH payment. XXXX never had my routing number or my bank account number only the debit card information ending in ( XXXX ) which again was used for one time ACH payments. Attached is a timeline along with other proof documents which goes into detail our experience with XXXX. On XX/XX/XXXX we left XXXX due to months of dealing with their billing incompetence. There is no contract for service only for the devices. After we left XXXX they sent return boxes and labels. I returned all 4 phones ( proof attached ). I then received a bill for {$1100.00} which is obviously not correct for we only owed them one month of service. I then received a letter from a collection agency dated XX/XX/XXXX for the same incorrect amount {$1100.00}. On XX/XX/XXXX Suntrust allowed XXXX to withdraw the {$1100.00} using the closed debit card ending in XXXX. I placed a claim with Suntrust that day. Suntrust never retruned my funds while investigating and then denied my claim before they even received my proof. I submitted a rebuttal which after 45 days was denied for their decision did not change, I provided 17 pages of proof to back up my case. I did receive 2 reasons from Suntrust while speaking to two different agents for why XXXX was allowed to steal my money, both were different reasons. 
1. Suntrust stated I had a contract with XXXX therefore they allowed them to take an unauthorized payment ( Suntrust is my bank and a 3rd party that should not have been involved in civil matter ) 2. Suntrust stated XXXX was able to use a prior one time ACH payment approval code to push the unauthorized payment through on the closed debit card. ( I do not see how that is lawful for a one time ACH payment is for a specific amount for a specific date and is a one time payment )

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 2019-03-26 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: FL

Complaint narrative:
My name is XXXX XXXX. I place a fraud alert on my account XX/XX/XXXX. The thieves are still continue to access my credit. I recently reviewed my credit and saw new fraudulent accounts and inquires showing on my report. I didn't not authorize any of this activity. I need to be notified every time my credit is accessed at XXXX. I put this info in my fraud report in XX/XX/XXXX. I have my lawyer XXXX XXXX looking into this situation as we speak and we are in the process of filing a lawsuit. These are the accounts and inquires in question ( EXPERIAN ) XXXX XXXX XXXX {$1200.00} XX/XX/XXXX INQUIRES XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent addresses XXXX XXXX XXXX  XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} INQURIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent address XXXX XXXX XXXX XXXX PA XXXX ( XXXX  ) XXXX  XXXX XXXX {$1200.00} BAD ADDRESSS XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX PA XXXX INQUIRIES XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case EXPERIAN XXXX XXXX XXXX XXXX XXXX at Experian Experian NCAC Email : XXXX XXXX XXXX XXXX XXXX  Experian NCAC XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.

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