vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-23 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: IL

Complaint narrative:
Transunion claims to not have a file on me as a result of disputes I made. ( See letter below ) The first file number I received is # XXXX. 

I believe this is yet another stall or delay tactic. It is of great concern that they could lose my file. How accurate could the records be? Please remove the following items from my report : ACCOUNTS XXXX  XXXX not mine XXXX XXXX   XXXX not mine COLLECTIONS XXXX XXXX XXXX XXXX   XXXX {$430.00} not mine 12 XXXX XXXX XXXX XXXX XXXX XXXX {$710.00} not mine 12 XXXX XXXX XXXX {$970.00} not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX   XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX  XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX I XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX  XXXX I XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized XXXX XX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized

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 2019-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
Several months ago, I completed a large sum balance transfer to a Bank of America credit card to receive a 0 % APR on the amount. I have continued to minimally use the credit card for other purchases. The bills/statements provide no clarity to the amount necessary to pay to avoid interest on the regular purchases, while fully benefitting from a longer timeline to pay off the transfer sum. I understand that minimum payment due is applied to lowest interest rate balances first, so therefore my balance transfer amount, but that payments exceeding that amount should pay off higher interest amounts ( current/new purchases. ) To avoid an interest charge on these new purchases, I called Bank of America and asked for the exact amount to pay that would result in {$0.00} in interest on my next closing statement. After receiving that amount from the representative, I made the payment that same day, with even XXXX {$10.00} more than the amount stated necessary to avoid interest charges. Despite this, I received the current statement and was charged {$11.00} in interest on purchases. I then called Bank of America directly and was told that if you make any purchase while having a promotional offer, you are subject to interest on the interest bearing purchases, regardless of payment amount and this remains in-effect for 2 billing cycles. This was not stated when completing the balance transfer and is very misleading. It ultimately penalizes a consumer for using their card while trying to benefit from a promotional offer.

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 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I opened an account ( CD for {$25000.00} ) on XX/XX/2019. I was told that if I opened another checking account and deposited {$1500.00} that I would receive a {$200.00} bonus. About 2 months went buy and my bonus was not put into my account. I went back to the bank and talked to the man who set up the account ( XXXX XXXX XXXX ). He said I had to have the money in there for 90 days before the bonus would hit. We are now over 120 days and my bonus has not hit, XXXX XXXX XXXX no longer works there. They said he was transferred to XXXX Mi. and nobody else at that bank in XXXX XXXX has any knowledge of a bonus coming to me. I have 4 accounts at that bank and I sure did not need another one, I only opened it because of the bonus that he guaranteed I would get. I called the complaint department an XX/XX/2019 and lodged a complaint and have heard nothing from them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
TransUnion was charging me for a service I dont ever recall signing up for. 
The charges were made from XX/XX/XXXX to XX/XX/XXXX. There is a charge of {$19.00} every single month. 

I do not remember even giving my consent to charge my account. I just realized I have been getting charged every month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Creditor did not provide in accordance with the regulations of the Bureau, TILA disclosures in obligor 's rights of rescission and appropriate forms H8 for the Obligor to exercise right to rescind. 
The Creditor was contacted by me stated they are not familiar with T.I.L.A.

Please assist in having Creditor uphold the T.I.L.A requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 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: ME

Complaint narrative:
TO : Consumer Financial Protection Bureau FROM : XXXX XXXX XXXX Dear Consumer Financial Protection Bureau ; I filed a dispute with Equifax for an invalid bankruptcy report that has been on showing up on my Equifax credit report since 2012. 

I have never had a bankruptcy, nor been in the District Court where it was discharged. 
I have been a victim of mistaken identity, and It clearly belongs in someone else 's file. 
There are many " XXXX XXXX 's '' out there. 

I have unable to resolve this issue with Equifax, despite repeated attempts to do so, including purchasing their consumer monitoring product. I did file a dispute with Equifax, but have been unable to view their results on line. I have also been unsuccessful in contacting them by phone. Dealing with Equifax ( and other credit reporting bureaus ) has been beyond frustrating, if not impossible. 

The bankruptcy error, ( which doesn't show up on my XXXX  or XXXX  Credit reports ) continues to show up on my Equifax report. Equifax has made it impossible for me to resolve this issue, and has made it difficult for me to obtain bank loans or other financial products due to the erroneous bankruptcy on my record. 

I am deeply frustrated with this issue, which is why I am appealing to you for help. 

I have been a victim of mistaken identity, and I would like for this erroneous bankruptcy to be permanently removed from my credit report. 

FACTS : - The Bankruptcy in dispute is listed under " Public records '' on my Equifax report. 
- It was discharged on XX/XX/2012 on District Court in XXXX, MA - The reference number on the credit report is : XXXX - This bankruptcy continues to show up on my Equifax report. 

Thank you, XXXX XXXX XXXX XXXX # XXXX ( XXXX ) XXXX XXXX Mailing Address : XXXX. XXXX  XXXX XXXX, Maine XXXX Physical Address : XXXX XXXX XXXX XXXX, Maine XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have contacted 5/3 bank every month for the last 3 months about 2 charges that are being automatically paid out of my account that is not set up to be a recurring automatic payment. One is for {$300.00} the other is {$550.00}. The first month I contacted 53, I was told they dont see the automatic payments set up on there end nor do they see it on my end. We chalked it up as a glitch. The next month I contacted 53, I was told they would send my account to a special department to look into why this is happening. No one ever contacted me. The final time which is as of yesterday, I have a XXXX balance in my account. I contacted 53 today and was on the line for an hour and half speaking to representatives and finally a Supervisor by the name of XXXX. XXXX stated the only thing they can do is Credit the fees they charged back to me but I would have to try to get my money back from who the bank paid without my authorization. I asked, So youre telling me my bank sent my money to places I didnt authorize and now Im have to try to get my money back from where XX/XX/XXXXbank sent my money without my permission? Her response was yes. She said she tried to see if there was something they could do but the bank cant pull the money bank after its been paid. I stated but I didnt tell you to use my money. she stated she knows it was there error but there is nothing she can do. I would have to contact who they sent the money to and TRY to get the money back. I am confused as to how the bank can use my funds without my authority and then tell me I have to TRY to get MY money back, although the BANK made the error?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I was 5 months ( XX/XX/XXXXXXXX behind on my mortgage and called PHH Mortgage company to resolve In XX/XX/XXXXi was told by their Rep to pay {$5000.00} by the XX/XX/XXXXor it could go into foreclosure. I called back on the XX/XX/XXXX and made the payment live directly thru their agent name XX/XX/XXXX.for {$5000.00} the next week in XX/XX/XXXXbetween the XX/XX/XXXXand XX/XX/XXXXi called back to verify the foreclosure will not go thru. I was told by their Claim manager XXXX not to worry cause no Foreclosure had started and they will stop any kind if it should happen cause my Payment took my account out of default. On XX/XX/XXXX i received a letter from POWER DEFAULT SERVICES INC, stating my account has been turned over to them from PHH Mortgage for foreclosure I IMMEDIATELY called PHH and asked them why my acct was in Foreclosure when i made the pymnt on XX/XX/XXXX and told my acct was not in Default. Rep. XXXX ID # XXXX told me they have to Investigate and apologize for the MisCommunication done on their part and that they have to pull tape to find out what happened. She told me that my acct was sent to Foreclosure on XX/XX/XXXX yet i was told i had til the end of XX/XX/XXXXand if that what she said is true the Manager should have seen in on the XX/XX/XXXX when he took my pymn and when i called back early XX/XX/XXXX. I looked on the paper the Foreclosure sent me and it state XX/XX/XXXX NOT XX/XX/XXXX so PHH is not being honest and took my {$5000.00} and now tells me they can not not do anything until the Investigation is done. This is very Unfair, Unprofessional and Sneaky on their part when i have done everything they told me i needed to do. Please help me resolve this issue please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Back in XXXX, we purchased our home. bought it for XXXX was scheduled to be paid of in XXXX XXXX but to our surprise it is not. Bank of America is saying we still owe XXXX. Back in XXXX we ran into a problem with Nations Bank, we were 2 payments of XXXX, they sent our check back and said we were going to forclose on your loan. Tried to reason with them but to no avail. Contacted HUD to save our home. It took 10 months for a appointment for HUD to assign our mortgage. We meet with a gentlemen from HUD, in XXXX at the HUD office. At the beginning of the meeting we handed him a check for about {$12000.00}. Because we were told to still put your payments away, by the person on the phone that was taking our appointment. He said he did not want it, that he was recommending a Forbearance Agreement which means that you will make up the payments during the course of your loan. We were a little confused about it but at this point we were desperate for help. So we put the money into some remolding that needed to be done. To make a long story short, Bank of America offered a loan modification in XXXX to try to save our home. Only to be shot down on their decision, on a short sale of our home. They offered several ways they could help, and they picked a short sale, they said due to the Trustee and Guarantor did not approve a modification, because a affordable payment can not be created without changing the terms of your loan? We were just fine with our payments and told my case manager that. Refusing to budge, not even taking my payments, per my case manager, she said her hands are tied. Given no other option. No answers as to why this is owed. Been since XX/XX/XXXX, trying to get records of my payment history, ect. They are stonewalling me for the answers. Need help, but no help as of yet. the amount owed is about 1/3 of our original loan? Why? Have not refinanced or entered in a Loan modification at all, only up until XXXX of this year to try to save our home. This is very disheartning to realize after thirty years you could loose your home. If you need any documents to help with my complaint, there is a lot. I will fax to you at the time of request.

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 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Robinson, Reagan and Young PLLC
State: TN

Complaint narrative:
Have attempted several times to request validation of debt from this company, but the company has yet to provide it. The company has re-aged this account, which is serious violation of the FCRA, and even after disputing with the credit agency, refuses to fix the issue, or provide me with validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
On XX/XX/19 I noticed a collections agency had appeared on my credit report, by the name of Transworld Systems Inc. When I became fully aware of them I called them to see what business I had with them? They stated I owed them money for a XXXX from another company ... ... I told them I don't owe any debts, I have no collection accounts on my credit report. I also asked them, if we had any business between us and can they provide proof I have a legal obligation to pay them? I sent a debt validation letter to them by fax and informed them they had 24-48 hours to remove this item from all three credit bureaus. As of XX/XX/19 the item is still on my credit report and I called them. I spoke with a man by the name of XXXX XXXX and he confirmed they received my debt validation letter. I also informed them at the beginning of our conversation all calls were being recorded. I was transferred to a supervisor by the name of XXXX XXXX and he tried to inform me it's a process in order to get this item removed or not. I became very upset and informed them I have no business with Transworld Systems Inc. They are trying to ruin my credit and they know we have know business with one another. I also informed them once again they need to remove this item from my credit report ASAP!!! I made them fully aware of me, making this the report as well. They are crooks and try to collect money not owed!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had a wireless phone and XXXX for the home with XXXX upon leaving XXXX they charged me numerous frivolous fees that I was unaware of until it appeared on my credit report. They reported the bill and had a collections company report the bill on my credit report I never received any collections notice they removed my access to see my account online which as per their website I should still have access to my old bills than when I tried to speak to someone in corporate they refused to verify the address they had on file. To this day I still have not seen the bill and all the charges only what they stated on the phone. 
They also are falsely reporting the account on my credit report as an open account with a maxed out limit instead of as well as a collections by doing this it looks as though every month I owe {$910.00} and another for {$1900.00}. And lastly they are reporting this as though the account is recent even thought I have not had this account in over 3 years and they decided to initially state I owed {$910.00} last year and then to report it at {$910.00} as a fresh debt this year I disputed this with the credit reporting agency as well and they did nothing they continue to allow them to report this as open account they state the debt has been verified which is a lie there is no way they could verify I received any collections because I have not and they did not even want to verify my address This is against and the laws of fair credit reporting and this greatly affecting my credit more than a collections because it reports as open and active and they know exactly what they are doing as I have seen online this is a common occurrence with XXXX and somehow they manage to continuously get away with it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX are trying to collect debt of original creditor XXXX XXXX account : XXXX which was never mine, I've reported Identity Theft, suspecting my neighbors in the building trying to use me info to get cards and car and loans. 

Also, it is reporting non according on compliant to the FCRA rules with payment status falsely reported, no verification date and status.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-23 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: GA

Complaint narrative:
Bankruptcy was placed on my Experian credit report..is not my bankruptcy..have filed formal dispute with request for supporting documentation of their verification of it..they did not provide documentation..merely said it was verified through a third party which I believe is not allowed under fcra..contacted 3rd party and tried to dispute again but Experian refuses to to investigate. please help.

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 2019-07-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Issue : My mortgage payments are not being reported to the Credit Bureaus XX/XX/2019 - Sent a letter to my bank, Webster Bank, informing from that my mortgage payments were not reflected on my Credit Bureau files and requesting that they correct the situation. 

XX/XX/2019 - Received a letter from Webster Bank stating that since my obligation to Webster Bank was never reaffirmed following my bankruptcy filing Webster is not obligated to report my payments and the Credit Bureaus may suppress my payment history or no longer show the mortgage on the credit report. I checked with my bankruptcy attorney and he confirmed that the judge approving my bankruptcy would have never allowed my reaffirmation As stated in this letter from XXXX, my payments have been on time. 

XX/XX/XXXX, XXXX I sent letters to each of the XXXX major credit bureaus enclosing my payment history from Webster Bank requesting this payment history be reflected on my credit files.. 

XX/XX/XXXX, XXXX Upon receiving responses from each of the credit bureaus, I sent Webster Bank a letter showing them the response from each of the credit bureaus confirming that they are not receiving my payment history therefore not reporting it. 

XX/XX/XXXX, XXXX Webster Bank responded that they are not obligated to report my payment history and then states that the loan gets suppressed by the credit bureaus and no longer will show on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC
State: NJ

Complaint narrative:
Receive weekly calls from, as per caller ID : XXXX. A recorded identical message is heard each time, " this is your final notice, etc ''. call XXXX ( Atlantic Recovery Solutions ). Failure to do so shall result in legal action ... ... .... The activity has been going on for several months. My wife, son and I, all with the same last name have been contacted.

Company response to consumer: Closed with explanation