vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have 3 student loan accounts from the creditor XXXX. On each of the 3 loans theres reported late payments from XX/XX/2016 - XX/XX/2016. This information is inaccurate as the loans were in forbearance at the time and no payment was due. The FCRA forbids Equifax from reporting this information because it is inaccurate and I have provided an abundance of information proving it to be inaccurate. A)  Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 	.	(B)  Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if 	.	(i)  the person has been notified by the consumer, at the ad- dress specified by the person for such notices, that specific information is inaccurate; and 	.	(ii)  the information is, in fact, inaccurate. Equifax only states they are submitting a "dispute" or "investigation". Black's Law Dictionary defines an investigation as INVESTIGATION. To follow up step by step by patient inquiry or observation; to trace or track mentally; to search into; to examine and inquire into with care and accuracy; to find out by care- ful inquisition; examination; the taking of evi- dence; a legal inquiry. Lukert v. Eldridge, 49 Mont. 46, 139 P. 999, 1001; People ex rel. Fennell v. Wilmot, 217 N.Y.S. 477, 479, 127 Misc. 791. Application of Gilchrist, 130 Misc. 456, 224 N.Y.S. 210, 219. I have provided a preponderance of irrefutable evidence and information to assist in Equifax's investigation. Equifax is violating my rights as they are granted to me under FCRA, and falsely misrepresenting themselves as an authority capable of deciding against the ruling of the U.S. high court and Federal Trade Commission, the governing body over the FCRA.I have attached an email showing my request for forbearance during the reported period, a letter from XXXX confirming my account was in forebearance during the time, a historical report of my loan status from the National Student Loan Data System, and the FTC Harris Advisory opinion which is a ruling that states plainly, this information should be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On the XX/XX/2019 I received a letter from Citi Bank regarding my credit card account that I have held respectfully for the last 10 years. The letter unfortunately indicated that they were closing my account due to two or more returned payments. Prior to this letter I had received notification of the unpaid autopayment and the instructions included to replace the payment with another payment which is what I did. Citi bank never notified me that if another unpaid autopayment occurred they were going to close my account. Unfortunately at that time I was unaware that I had my autopay setup with Citibank with a checking account that was closed. Therefore, since the checking account they were attempting to collect from was closed  the payment was being returned. I regretfully, did not change the banking information at a timely manner because I was not aware of the consequences of my Citibank credit card which was originally a student credit card I received when I was XXXX years old and a XXXX in college being closed. This credit card account is my oldest account and now the closure of this account has effected my credit report and score in a negative manner because y credit age has significantly dropped below average. I would appreciate it if Citibank reopens my credit card account and gives me the benefits of the doubt. I have held this account honestly and respectfully for the 10 years and am committed to maintaining this client bank relationship with Citibank if they allow the goodwill of my reputation for the last 10 years shine through the temporary mistake that has led to these unforeseen events.

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 2019-08-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: SD

Complaint narrative:
My Daughter took out three pay day loans online from three different agencies. One was called XXXX XXXX, In XXXX XXXX, and the third was XXXX XXXX XXXX. She ended up being late on all three accounts. All three online loan companies do not follow the regular mandated rules by the state on which the loan originated. Instead they were all three routed through different reservations and all were charging 7.9% interest daily 2,883.5% interest rates per year. When I called to make restitution's for these loans only one company agreed to take a check from her father. I am a little confused by this, it should not matter who is paying the debt along as the debt is being paid.Would like to see the online lending loan sharking business to follow the state's guidelines where the loan was originated. Hence a Drop Down box on the state. If you are borrowing from XXXX, XXXX, XXXX,etc. They could charge you no more interest than the state would allow. I was sick to my stomach that in America predatory lending practices would be allowed to survive.

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 2019-08-18 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: CA

Complaint narrative:
TransUnion, LLC conducted an investigation into items listed on my credit report which I disputed in the month of XXXX XXXX. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below:  [XXXX XXXX - XXXX* - Verified as belonging to me] [XXXX/XXXX  XXXX  - *XXXX - Verified as belonging to me][XXXX/XXXX  XXXX - *XXXX  - Verified as belonging to me][XXXX/XXXX XXXX - XXXX* - Verified as belonging to me]  [XXXX  XXXX XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX - XXXX* - Verified as belonging to me][XXXX  XXXX XXXX - #XXXX* - Verified as belonging to me (Same Item was removed from my XXXX  for lack of Verification)][XXXX  XXXX  XXXX  XXXX  - #unknown - Was never investigated, nor am I familiar with this collection as I've never gotten anything back from this collector proving this is my debt.]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked TransUnion, LLC to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received onXX/XX/2019 to TransUnion, LLC exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I received a bogus response from TransUnion, LLC today stating a general explanation about their investigation process, but no proof of items in question ever being investigated. This was an improper Method of Verification response and against my FCRA right. I have attached all documentation backing up my claim for your review CFPB.

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 2019-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
In XX/XX/2018 I transfered a balance from a XXXX card ending in XXXX to a Barclay card ending in XXXX. I messed up putting the correct card number of the XXXX card, when transferring from XXXX   to Barclay. I called Barclay, they told me to file a claim. I did. A week later the balance showed up on the Barclay card, and was zeroed out on the XXXX card. Problem solved, Right? NO! 3 months later, this week in the middle of XX/XX/XXXX, Barclay apparently decides the appropriate response to the claim I filed is to return the balance transfer to XXXX, and now that balance is in limbo, because XXXX returned it to Barclay, BUT Barclay is refusing to do another balance transfer.I want this issue FIXED IMMEDIATELY! AND the $XXXX balance transfer fee paid back to me in full by check in mail SINCE YOU ARE REFUSING TO DO A BALANCE TRANSFER!!!

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 2019-08-18 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: EQUIFAX, INC.
State: UT

Complaint narrative:
Requested Equifax to NOT USE XXXX and they continue to use it and CONVERT MY DISPUTES TO NUMERICAL DIGITS WHICH allows accounts that should have been REMOVED to be CONTINUED TO BE VERIFIED. THE creditors are in receipt of FRAUD INVESTIGATIONS and are aware of the FRAUD. However Equifax is VERIFYING ACCOUNTS involved in FRAUD ACTIVITIES. XXXX eliminates 100% complete and accurate investigations. PERIOD.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Consumers Inc
State: NC

Complaint narrative:
i received a call on XX/XX/2019 around XXXX, and missed the call. I returned the call and questioned the call. the representative asked for my phone number to pull my file, and said she was calling for united consumers inc, I paused and she pressed that she was calling for a "medical file" reason. I questioned if she was calling from my hospital, and she pressed me for my date of birth to verify my information. I did not feel comfortable with this but she asked for my information again. Before she was able to get my additional information she never indicated she was a debt collector, or collecting information to pursue an alleged debt. After verifying my date of birth. She continued the conversation revealing she was calling to collect a debt alleged to be against me. I find that the way she started the call was deceptive and she should of revealed that she was attempting to collect on the onset of the call. I told her that I would like verification of the debt, and she argued that it was already sent, also she asked if I would be paying the alleged debt and i indicated i did not want to answer, so she said she would place in the file that I refused to pay which is incorrect. she asked for my confirmation of my employer for what I believe was an attempt to infer that she would let my employer know i have an alleged debt against me.in the end of it all i am disturbed at the way this was handled, she misrepresented herself at the onset of the call, asked for information before indicating it would be used in an attempt to collect an alleged debt, and spoke to me in an abusive manner.

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 2019-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: NY

Complaint narrative:
I previously submitted a complaint here (XXXX) and, as a result of CFPB's help, FedLoan   approved a retroactive payment. The terminology used to refer to that payment is "PSLF override for XX/XX/19." I had to make that payment within one month of the override approval so during the month of XX/XX/2019 I made a total of two payments to FedLoan. One was my regular monthly loan payment and the second was the approved retroactive payment for XX/XX/19.     FedLoan failed to properly credit my second payment as the "PSLF override for XX/XX/19" and instead counted that second XX/XX/2019 payment as my XX/XX/2019 regular monthly loan payment. That incorrectly put my account in "paid ahead" status.     During the month of XX/XX/2019, after I received the incorrect billing statement stating I owe no payment for XX/XX/XXXX, I tried repeatedly to get FedLoan to correct the error. I wrote to them twice and called them twice. They did not fix the error nor did they respond to my communications. My billing statements for XX/XX/XXXX and XX/XX/2019 were also incorrect and showed that no payment was due as my account was in "paid ahead" status.     I made my regular monthly payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But because FedLoan has, once again, messed up their records, those payments will not count towards my PSLF total.      I need FedLoan to properly credit my extra XX/XX/2019 payment to the approved PSLF override for XX/XX/19. Then I need them to correct their records with respect to XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 so that the payments I made those months are properly credited towards my PSLF total. Finally, I need FedLoan to ensure that the "paid ahead" status is removed from my account and that my XX/XX/XXXX billing statement is correctly issued reflecting my required regular monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 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: UT

Complaint narrative:
Experian continues to report a XXXX account involved in FRAUDLENT ACTIVITIES. XXXX   is aware of the FRAUD so why is EXPERIAN STILL REPORTING this account? I REQUESTED EXPERIAN NOT TO USE the XXXXXXXX  system which eliminates a 100% accurate and complete investigation. They continued to use it and verify this XXXX account anyways.

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 2019-08-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My mortgage company Ditech Financial is currently in bankruptcy. Four months ago they sent a letter instructing us to start making our mortgage and insurance payments separately. They also changed our one account number to two different account numbers. We followed the instructions and its been nothing but issues. Ditech is claiming we have not made any insurance payments. We pay via bill pay. We have called multiple times, our credit union called them, we have sent proof of payment, our credit union has sent proof of payment. We have written letters, sent certified letters, verified the account numbers. When we call they simply say we did not make the payments; they have not responded to the letters. All of the payments have been made, all on time, proof of payment has been sent and they refuse to correct the account. This is not a clerical error, what they are doing is criminal. Has anyone seen the amount of complaints against them?  Its unbelievable, they are ruining peoples lives and nothing is being done about it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-18 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian conducted an investigation into items listed on my credit report which I disputed in the month of XX/XX/2019. The investigation was completed according to paper work on XX/XX/2019 (see file# XXXX). In the investigation results it shows items listed below: [XXXX XXXX  - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXX - XXXX - Verified as belonging to me] [XXXX XXXXl - XXXX - Verified as belonging to me]I have contacted each one of these companies for verifiable data which neither has been able to supply to me and I've asked Experian to complete a fair and thorough investigation into the matter and they have provided me with bogus results stating everything is verified. I then sent a Method of Verification letter on XX/XX/2019 which was CONFIRMED received on XX/XX/2019 to Experian exercising my rights under FCRA 611(a)(6)(B(iii) to provide me with proof they completed a thorough investigation properly and not via XXXX system and requested them to provide me with the description of the procedure used to determine the accuracy and completeness of the information. Name, Address, and telephone number of each person contacted regarding these alleged accounts. Finally, any documentation provided bearing my signature, showing I had a legally binding contractual obligation to pay them and exact amount claimed. As a result, I haven't received anything regarding my request which is against my FCRA rights. I have attached all documentation backing up my claim for your review CFPB.

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 2019-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: AL

Complaint narrative:
I was attempting to make a cash deposit through the bb and t atm on XXXX XXXX  street in XXXX  AL onXX/XX/19, shortly before XXXX XXXX central time.  The bank was closed.  The first attempt totaled my deposit to be XXXX instead of the XXXX I put in the machine, so I cancelled my transaction.  All my money was returned and I verified it was in fact XXXX as I had previously counted.  I tried a second time to deposit the XXXX  and our spit out a XXXX, saying it could not read it,  leaving XXXX still in the machine.  The slot where the money is dispensed kept opening and closing but no further bills were returned. Eventually,  the screen showed a deposit amount of XXXX (instead of the XXXX  the machine still had-still off by XXXX), so I hit cancel transaction again. However,  this time no money was returned.  Then the screen came up asking if I wanted to quit or go home for another transaction.  It would not let me select either,  it was like it just froze up.  It asked for my pin number again and eventually gave my card back but no money.  I called the number on the machine and made a report but got no answers as to when or if my money will be credited to my account. They said they would investigate.  In the meantime,  I'm out XXXX dollars that their atm machine basically ate and gave me no credit for. I put three $XXXX, seven $XXXX, one $XXXX  and one $XXXX in the machine.  It returned one of the $XXXX because it was unable to read it,  but kept the remainder, without depositing into 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 2019-08-18 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: AR

Complaint narrative:
There was a lawsuit against Green Tree Servicing to pay $XXXX XXXX to settle federal charges that I feel we/husband I should have been included.  We were treated horribly.  Even when we were trying to pay off the loan, the representatives were very rude and threatening. We would receive a call one day and be told it is on record when and how we would pay off our loan, yet someone would call the next day threatening. We would have to go through the story again and the very next day someone would call again. We were finally able to pay the loan off thank God; however, we had the loan for almost 20 years and should not have had to be subjected to such rudeness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NJ

Complaint narrative:
XXXX XXXX closed in XX/XX/2019. Loancare took over the loan. A mortgage payment was made in XX/XX/XXXXand XX/XX/XXXX using the old XXXX  account number. XX/XX/XXXX payment was properly processed and credited to my account. XX/XX/XXXX payment was paid by XXXX XXXX (my personal bank) but not applied to either my former account number through XXXX, or my new account number through Loancare. I spoke with a Loancare representative on XX/XX/XXXX and was told they were looking into the matter. XX/XX/XXXX and XX/XX/XXXX were paid using the new account number and the payments were properly dispersed into the mortgage account. I have received certified letters threatening foreclosure, despite keeping in contact with Loancare every week about this matter. A proof of payment of the XX/XX/2019 payment issued by XXXX XXXX was emailed to Loancare on XX/XX/XXXX and a ticket number was issued to me to ensure proper communication. XXXX XXXX has also ensured me they are working to resolve the issue. I have also reached out to the XXXX XXXX XXXX. The only thing I am asking for is the money either given back to me, or the money dispersed to my loan account.  It has been over 30 days since this problem has been brought to Loancare's attention, and I am frustrated by the lack of response and urgency.

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