vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-15 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: MI

Complaint narrative:
I have disputed 10 hard stops on my credit report from XXXX in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to TransUnion and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.

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 2018-06-15 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: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I have disputed 10 hard stops on my credit report from XXXX  in the amounts of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX and they have all been disputed as of XX/XX/2018 however they are still showing up on my credit report and I need them to be removed. These are not my fault, they are XXXX 's error and this have negatively impacted my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Dear Consumer Financial Protection Bureau : JP Morgan Chase Business Banking has been charging for ACH services ( XXXX/month ) that we were not signed up for. When I looked into the unrecognized charges for the ACH service I clicked the ACH section of the site. It was clear that we were not signed up : ACH Collections Enrollment Please note ( see screen grab attached ) : " We can't enroll you quite yet. Please call XXXX to finish enrolling. If you've been our customer for less than 6 months, please provide at least 2 months of checking account statements from  your previous bank '' When I talked with Chase they refunded 4 months of charges " as a courtesy '' but would not refund beyond that. They have been charging me for a service never available to me to use as I have never been enrolled in their ACH service. It's not even accessible as to access it through the online banking site. 

I can see a total 27 charges online which is a far as the system allows. ( See screen grab attached ) I assume there are many more predating these. This appears to be similar to XXXX XXXX fraudulently signing up/charging for services without the customer 's request or consent. 

This may be an isolated incident but it may be widespread.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Farrell Holdings, LLC
State: ID

Complaint narrative:
Over the past few years we have been contacted by the collection agency XXXX XXXX XXXX about our car that was given back in XX/XX/XXXX and they always send us a paper stating that we are not being cooperative and that they will report and damage our credit which it was already reported. The tone of the letters are always threatening and when they call the use the same threatening tone. We have asked numerous times about getting a validation on exactly we owe but we never get it. They even said on the phone that there was 2 amounts listed, we were never given notice of sale after we voluntarily gave the care back or when and how much it was sold for. On our credit they listed as a involuntarily repossession. We sent a certified letter asking once again for the validation on XX/XX/XXXX and it came back yesterday the XX/XX/XXXX unclaimed. We have tried numerous times to get this resolved and they have yet to cooperate with us.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: IL

Complaint narrative:
I contacted this company because they appeared on my credit report. I spoke to a representative by the name of XXXX XXXX on XX/XX/XXXX. I explained to her that I had no knowledge of this account. She said it is for a balance at XXXX XXXX. I informed her that I moved on XX/XX/XXXX and the account was placed on me and my son credit report XX/XX/XXXX and we were never contacted. She then started giving me numbers and prices. I informed her I needed it in writing she said it was mailed to the office the debt is originally from. I asked her how was I supposed to know. She was speaking over me and not listening to my concern. I then asked for a supervisor and was told they were all out for lunch I then asked for the manager and was told the same. I informed the representative I will like to dispute the debt because I was unaware of the charges and was never contacted. She told me I can not dispute. These charges has been placed on me and my son credit and we had no knowledge of the debt. The original creditors kept my security deposit in the amount of $ XXXXand also received a payment from XXXX County Housing Authority for more than the 2 days I was in the unit. Per the representative I did not clean the carpet the original creditors remodeled the unit removing carpet and installing hardwood floors. Everything else in the unit was cleaned accordingly

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 2018-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I was in a car accident on XX/XX/XXXX. On XX/XX/XXXX I sought care at XXXX XXXX. I had 16 appointments with this XXXX. At the end of my treatment I submitted my bills to the insurance company of the individual who hit the car I was a passenger in. The insurance company conducted a private investigation inside the XXXX 's office and saw that 10 visits were posted on a sign for {$750.00}. The XXXX had billed an exorbitant amount of {$3900.00} for the services rendered. The insurance company refused to pay the amount. I sought out advice and in the state of Tennessee you have the option to utilize your private insurance first or the car insurance first and visa versa. I contacted XXXX my medical insurance provider and they informed me that this was something that happened all the time and that I would reimburse them through subrogation. I filed the claims, XXXX XXXX was sent an Explanation of Benefits as he was an in network provider with XXXX ( it is also noted on my chart ), and he was sent a check for the payment. I received numerous phone calls from his office threatening to turn me over to collections stating that I was in the wrong. They cashed the check and the next day it was turned over to Capital Account. I've attempted to state my case to Capital Accounts, XXXX, XXXX, XXXX and all 4 will not remedy the situation as XXXX XXXX states it is legitimate debt. I am providing the Explanation of Benefits that shows what was owed and the contracted rates between XXXX and XXXX XXXX, the cashed check, and my medical notes that show XXXX XXXX had my XXXX policy number and was well aware that XXXX was my insurance provider when I was in his office and seeking treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BANK OF AMERICA 's Refusal to handle/disclose of information account # XXXX : 1. Any copy Default letter sent to homeowner regarding Loan account # XXXX from to XX/XX/XXXX to XX/XX/XXXX, during its servicing. 
2. Date and copy the Bank Endorsement issued by XXXX XXXX to the new Trust o Note Holder. 

I will apreciate your cooperation in this matter.

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 2018-06-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SMI Lending, Inc.
State: TX

Complaint narrative:
I received a letter from a company called XXXX XXXX. In their letter, they stated they participate in the VA IRRRL Streamline Program. They stated in their letter that they do not require a credit score, appraisal fee, or a proof of income. When I called them I was told they do not require these things because it was satisfied when I received the initial mortgage through my original VA Loan that it was a program to refinance my mortgage at lower rates specifically designed to help veterans. I was then asked for my current mortgage lender 's information and asked to verify my address. From this point, the representative ( XXXX ) told me she would send this to a loan officer and I would hear back from someone on Monday. By Wednesday I called back because nobody had reached out to me and there was no answer so I left a voicemail. By Friday, nobody had called back so I called again. This time I was told I would be turned down because my credit score was too low to get a better rate. At no time did I authorize this company to run my credit because on their letter that they mailed to me it clearly stated the credit score was not needed to participate in this program. I asked the representative how this could happen and she apologized for the misleading letter and said it must be a typo. Furthermore, the credit score they said I had is not the same score that I see when I look at all three credit bureau reporting agencies, the score they reported was substantially lower by more than 50 points. I told her I found this was unacceptable and reported it to the Texas State Attorney 's Office and the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: NRA Group, LLC
State: VA

Complaint narrative:
National Recovery Agency A Responsible Revenue Recovery Company, has claimed i owed a dept. i told them this dept was not mine, they refused to tell me any information about the dept other then it was with XXXX and when i said i would call XXXX they claimed XXXX dsnt keep track of what and who owes them money. then today they called again stating they were dept collectors before confirming who they were speaking with. they had my name but stated and address i never lived at. stated i had confirmed the address with them and they had it recorded. i asked for the recording and they refused to pull it up. they are trying to collect false depts and are a scam. 

there number is 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 2018-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/XXXX I sent over a letter to Transunion Credit Bureau to remove hard inquiries on my credit report that I did not authorize. These accounts have been removed from XXXX and XXXX. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX 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 XXXX XXXX XX/XX/XXXX XX/XX/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 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2018 ; I made a {$600.00} cash deposit at my neighbors US Bank. After taking the money, the ATM displayed a message and gave me a printed receipt stating it encountered an error and can not deposit or return my money. It say I should call the XXXX # on the receipt.

I called the number straightaway and I was told it issue should correct itself within 24 hours.

I have check or call back everyday since and the issue has not been resolved. I went into the branch and was told there is nothing they can do until the ATM is fixed. It has been 5 days and I still dont have my money.

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 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Midwest Recovery Systems
State: AZ

Complaint narrative:
XX/XX/XXXX I received a call from Midwest Recovery Services stating I owed a debt for a supposed payday loan taken out in XX/XX/XXXX. They stated that I owed {$600.00} to XXXX XXXX XXXX XXXX and that I gave them permission to take an ACH from a XXXX XXXX account ( which I've never had ) and that it was insufficient funds. When I asked them to send me documentation regarding this debt -since I'd never taken out a payday loan or had a XXXX XXXX account, they hung up on me. I called them back and spoke with a XXXX XXXX and she stated that they are just a mediator and do not have access to that information. I explained that the address they had for me was not mine and that I never had a XXXX XXXX account nor taken out a payday loan and she threatened to send it to the Attorney General for prosecution and that once they do that I would have access to this documentation and then hung up on me again. I did some research online and discovered that they do this to a lot of people and say the same thing and these people also have never taken out a payday loan. This company needs to be stopped. They are ruining peoples credit with fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
This is now the second complaint. From a response to my initial one. I opened an account with a {$200.00} bonus, I met the requirements. In fact I called in and verified with Wells Fargo that the requirements were met. My payroll is paid by XXXX XXXX XXXX, so not only does it meet the requirements but its irrelevant as WF customer service has already said multiple times 5+ that I met the requirements and was just waiting for the payout.

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 2018-06-15 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: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I could not make my XX/XX/XXXX payment, as I was in XXXX school. When I called at the end of XX/XX/XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XX/XX/XXXX payment XX/XX/XXXX. I made my XX/XX/XXXX payment XX/XX/XXXX to ensure the XX/XX/XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XX/XX/XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XX/XX/XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I HAVE A GOOD STANDING CREDIT CARD ACCOUNT WITH TD BANK SINCE XX/XX/XXXX WITHOUT ANY LATE PAYMENTS. LAST TIME I MADE A PAYMENT WAS THROUGH ONLINE AUTOMATIC SYSTEM. ACCOUNT WAS NEVER LATE AND ALWAYS BEEN A GOOD STANDING. MY CREDIT IS EXCELLENT FROM ALL THREE CREDIT REPORTING AGENCIES. 
I TRIED TO LOG IN SINCE LAST FEW DAYS AND TRY TO CHECK MY ACCOUNT IT DIDN'T GAVE ME FULL ACCESS TO IT. I CALLED BANK THEY GAVE ME NO REASON AND TOLD ME MY ACCOUNT IS IN COLLECTION. 
ON XX/XX/XXXX I WENT TO TD BANK XXXX NEW JERSEY BRAND AND SPOKE TO BANKER SHE TRIED TO HELP ME AND CALLED CUSTOMER SUPPORT AND WE BOTH GOT SAME NO REASON ANSWER AND THEY TOLD US THAT WE ARE GON NA RECEIVE LETTER WHY MY ACCOUNT IS CLOSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Financial Resources, Inc.
State: MA

Complaint narrative:
Company name is First Financial Resource, amount for {$1600.00} and {$2600.00}. I have sent collection agency a debt validation several time with no response and collection agency reported this to my credit reporting agency. This two item is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I closed my account with Navient and I told Navient to cease contacting me because I was threatened by several of their customer service agents. Navient keeps telling me that they are putting in police reports against me about things that never happened. Navient contacts me everyday with frivolous matters or Navient calls me and threatens to send the police after me for not paying my debts. They keep calling, emailing and mailing me letters even though I asked Navient to cease and desist contacting me. A woman named XXXX XXXX and XXXX XXXX keep contacting me everyday. ( XXXX and XXXX also lied and said they were from the US DEPT OF ED but they are from Navient ) Navient is unfairly harassing me at this point. I closed my loans with them and my loans are being serviced through a new provider due to Navient threatening and harassing me. I want the unwanted harassment to stop. My account is closed with Navient, they have no reason to contact me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 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: NATIONSTAR MORTGAGE LLC
State: OK

Complaint narrative:
I could not make my XX/XX/XXXX payment, as I was in XXXX  school. When I called at the end of XXXX to pay in full the customer service representative told me to do this deferment and they would put the 1 payment at the end of my loan if I made 4 consecutive payments. They said I needed to make 4 monthly payments. It did NOT say calendar month payments. I made my XXXX payment XX/XX/XXXX. I made my XXXX payment XX/XX/XXXX to ensure the XXXX Payment was not late. Apparently that messed everything up. I have spent HOURS on the phone ( because you can not get a hold of anyone in charge of anything with this company ) to fix this error. It was fixed. I made the rest of the contractual payments. Once my XXXX payment was made, it said ( per their app ) that I was current and everything was fine for 3 days. Then all of a sudden their system messed it up. It now says I never paid XXXX. ALSO, they have reported that I was late XX/XX/XXXX, XXXX and XX/XX/XXXX on my credit report which has had a serious effect on my credit score. I would not have done the deferment ( and would have been fine ) if the original customer service rep did not push me to do so. I will say XXXX XXXX has done his best to help me, but his hands are tied and the people above him are not fixing this. This is ridiculous that I have been dealing with this for 4 months! My hands are tied. Mortgages get transferred without the owners permission all the time. This is a horrible company and seeing how they have 87 % negative feedback, they should not be allowed to buy someones mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I sent in a request for investigations to the credit bureaus. There were accounts reporting incorrect information. They were supposed to respond within 30 days, but they have not.

Company response to consumer: Closed with explanation