vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have disputed the Bankruptcy with Transnion and XXXX due to it showing on my credit report and they still refuse to remove. I went to the Bankruptcy court here in XXXX to inquire like I was informed from these company. The clerk provided a letter that they don't verify with credit bureaus or third parties and also I have attached a copy with this case from the courts. So if these companies are reporting this false information and the courts advised that they don't provide any information to credit agencies then how did they receive this inaccurate incorrect information. Per reading over the report it stated I filed jointly per the credit report, with whom. it doesn't list the person name and it coule be someone with a simiar name. Also the courts verified that the information on my drivers license and mail that I provide to them doesn't match anything in there systems. I have sent this information to both credit bureau and they refuse to remove it. I have no accts on my credit report showing under Bk, that would be the whole purpose of filing BK is to include debt, in which I don't have any unpaid debts. Also they never sent me the original court papers that I signed and I have requested it from Transunion and XXXX several times.

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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 Midland Funding called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told Midland Funding to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'SOUTHWEST CREDIT SYSTEM ', and the Balance is {$56.00}. The Original Creditor is 'XXXX XXXX XXXX XXXX XXXX  '.

However, I don't know 'XXXX XXXX XXXX XXXX XXXX ' at all, and I never had any relationship with 'XXXX XXXX XXXX XXXX XXXX  '. I have never lived in California. How can I have a relationship with an automobile club from California?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I subscribed to Experian 's premium membership so that I can monitor my credit. They drafted funds from my account despite reflecting inaccurate scores/report every month. I called to say that my scores are from XX/XX/XXXX and the woman lied saying give it some time to refresh and then it will update. This was after I paid to upgrade my membership. Please refer to case # XXXX. I even brought this same issue up during a chat and the representative was very unhelpful. Taking money for services not rendered is fraudulent and thievery.

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 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I have about 6-7 collections from the company Americollect I was only notified on 2. I didnt find out about the others until they were added to my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: NV

Complaint narrative:
Usbank is refusing to tell me the currency exchange rate payed to usbank by the Visa corporation. The Visa corporation does all the processing for Visa debit cards issued by US Bank. The Visa corporation applies a 1 % processing fee for foreign currency u.s. Bank applies a 2 % processing fee for a total international processing fee of 3 % on foreign currency and 2 % for USD. The problem is that usbank is giving customers less on the on the exchange than they are receiving from the Visa corporation for the foreign currency exchange on all international purchases. I want usbank to provide me with the details of the ATM and debit card purchases between the dates of XX/XX/XXXX and XX/XX/XXXX. I want usbank to describe the amount paid to them by the Visa corporation and the amount that was inturn given to me by usbank for the transactions. Usbank was receiving more than they were awarding to me for the transactions that means that usbank was keeping money from my foreign transactions which means US Bank was embezzling funds from my account which means if they were embezzling funds from my account they are embezzling funds from other accounts. I want usbank to provide me with all the transaction information of my foreign transactions between the dates of XX/XX/XXXX through XX/XX/XXXX. I also want usbank to explain to me why they felt like they could keep money that did not belong to usbank. I am also requesting that usbank return all the funds to me until usbank can explain the processing errors and the exchange rates provided by the Visa corporation then provided to me and my transactions between the dates of XX/XX/XXXX through 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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XXXX XXXX delivered 2 stacks of papers last month to my home that were stapled together and not enclosed in an envelope. My kid answered the door and the person asked him 1. If I lived at this address and 2. If I was married. My kids dad passed away 21 months ago, so I felt this was a very inconsiderate question. Asking my kid if I was married is just downright creepy. Delivering legal documents not enclosed in an envelope made my entire family aware of my financial troubles and violated my privacy, because other people were in my home at the time of delivery. In XX/XX/2018 XXXX XXXX called me and threatened to take my home and I told them I already had a lien on my home and I could pay them {$50.00} per month and they said that wasn't enough. On the same call I told XXXX XXXX to stop calling me two to three times a day almost every day and to stop calling me in the middle of the night, because I got a too many calls from them between XXXX XXXX and XXXX XXXX. After that the night time calls stopped but the day time calls increased from one or two every few days to 2-3 a day, sometimes two days in a row.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: RI

Complaint narrative:
i have sent experian more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX  and another of XXXX XXXX XXXX. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX XXXX the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. XXXX has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but experian and XXXX  wont see them???

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 2019-09-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I acquired a personal loan through Sallie Mae with a cosigner. I set up a payment arrangements with Sallie Mae through a direct debit and then I received a letter saying that Sallie Mae was now Navient and that they would be handling by private loan. Everything was fine for about a year and then I lost my job. Navient starts harassing my cosigner. My cosigner set up payment arrangements for credit worthiness purposes. Then all the sudden they would send letters and would start calling at XXXX XXXX about a payment that had cleared at the bank XXXX  days before it was due!!! Payments were misappropriated. The customer service representatives were like The Stepford Wives. I would ask to speak to a supervisor or someone in a higher position this person would take care of the situation reallocate the money the next month the same thing would happen and they would have no idea about my conversation with a supervisor the prior month ; even though the conversation was monitored and recorded for quality assurance purposes. This company is a joke!!! The XXXX XXXX XXXX says Navient has an A+ rating. I still owe {$1500.00} on a {$2800.00} loan I started paying on in 2011. Do I need to hire a Dream Team to take care of the situation?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
i have sent XXXX more than 8 letters since XX/XX/XXXX regarding this account on my credit report by the name of XXXX XXXX and another of XXXX  XXXX card. they continue to verified as accurate eventhough when i point oout all the inaccuracies and violation on this accounts, XXXX XXXX reports as open which is not, it has been closed since XXXX, i disputed with the creditor also and they did not place the " notice of dispute '' not the creditor nor the credit bureaus, XXXX XXXX card the same thing, this account reports a late payment every single month eventhough it has been closed since XXXX, the creditors ignores my request of disputes and the credit bureaus continue to verify inaccurate accounts in violation. Transunion has been the same exact issues. how can XXXX see the inaccuracies and violations and remove these accounts, but XXXX and transunion wont see them???

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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Offices of Marvin S. C. Dang, LLC
State: HI

Complaint narrative:
I wrote to Law office of Marvin Dang, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at XXXX XXXX for the same ( original bills ) no return calls or letter. Marvin Dang has stated in a letter that XXXX XXXX  is their client, however, XXXX XXXX is not involved and does not own the acct. since it been sold to Dang?? 

Also Dang office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If XXXX XXXX is his clients, let them pay his fees ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: KY

Complaint narrative:
Original Creditor Name- XXXX XXXX XXXX XXXX XXXX Opened XX/XX/2019 {$350.00} Creditor Information- ASSETCARE LLC  XXXX Texas XXXX XXXX XXXX ) XXXX This showed up on my XXXX   account as a debt collection. I have XXXX  the info and believe it is a scam debt collection agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I wrote to Law office of XXXX XXXX, 2 times to ask for original bill that they claiming I owe, this is after they send to my work papers of garnishment?? Left several messages at Synchrony Bank for the same ( original bills ) no return calls or letter. XXXX XXXX has stated in a letter that Synchrony Bank is their client, however, Synchrony bank is not involved and does not own the acct. since it been sold to XXXX?? 

Also XXXX office is charging me over {$1000.00} in fees, for garnishment that was not approved by the courts. If Synchrony Bank is his clients, let them pay his fees ...

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 2019-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I was told that someone would come to my place of employment and get arrested if full payment was not made over the phone at that moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Made XX/XX/XXXX Mortgage payment at Branch XXXX at XXXX XX/XX/XXXX cash payment received collection calls that afternoon, evening and Friday through out the day. I called bank escalated call to be told payment received but was not posted. Zero explanation provided advised that department had gone for the day. Was advised posting problems occurring within banking system. XX/XX/XXXX and the payment still shows on wellsfargo site as received and UNAPPLIED. 
Well Fargo sent me a statement and it also shows payment received XX/XX/XXXX and UNAPPLIED. Its now been 10days that Wells Fargo has FLOATED my funds as prt of their cash flow because theyve FAILED to apply my money to my mortgage. I dont care that Wells Fargo claims they will properly apply my payment and ensure its properly reported to credit bureaus. I care that Wells Fargo has BORROWED {$1400.00} of my money and most likely countless others to bolster their cash reserve numbers without permission nor compensation to those of us whose money WellsFargo has high jacked.

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 2019-09-07 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: Marlette Funding, LLC
State: MA

Complaint narrative:
I checked my credit report on XXXX XXXX and found a hard inquiry on my XXXX credit report from Marlette XXXX XXXX that I did not recognize or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07 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: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank XX/XX/2019 Unauthorized ACH withdrawal by XXXX XXXX in the amount of {$650.00} XX/XX/2019 Unauthorized ACH withdrawal by XXXX in the amount of {$650.00}. 

I immediately went to my local branch of TD Bank in XXXX MA. And filed a dispute for the fraudulent withdrawals. They told me it might be seven to ten days before the charges would be reversed. I then went back to the branch later in the day once it became clear this was tied to a known fraud incident regarding XXXX. They again stated they could do nothing and could not block the current pending withdrawal of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-07 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: IN

Complaint narrative:
I recently had to buy a new vehicle and I found out that TransUnion has not been reporting my payments on my used car loan that I have been paying on for nearly 5 years. I contacted my lender and they told me that they send the information to all 3 credit bureaus every month. I have never missed a payment and that is my oldest credit on file. Since I didnt have that credit showing and I have to get another vehicle I ended up with an insanely high interest rate. I used my credit union ( XXXX XXXX XXXX XXXX ) for the first loan that still isnt being reported through TransUnion and thats who I got my new loan through. Even though they new my situation they didnt seem to care about helping me figure out how to fix the reporting. I called TransUnions phone number and their number employees didnt understand what I was telling them and they kept getting disconnected from me. I asked my credit union if I could get everything fixed with TransUnion if they would let me refinance and they told me that they dont refinance just so people can have better interest rates.

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 2019-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX XXXX XXXX, Bank of America, XXXX, New Jersey branch, suggested I open a checking account! He said there was a promotion : I would be given {$300.00} after 3 direct deposits totaling {$5.00} ; XXXX, this as dine by my monthly Social Security checks! 

He NEVER told me that there can be up to 60 days for the {$300.00} to be deposited into my checking account! He scrolled quickly through dense arcane wording and provided me with nothing in writing! What mattered was the sale! 

But now I am told it can take up to 60 days for the {$300.00} to be deposited by the bank into my checking account! I objected. He said he was powerless to speed up payment. The matter was escalated to the branch manager who repeated the up to 60 days excuse! 

But this is not rocket science! There can be no rational excuse for such a long, long delay other than the bank does not want to part with the {$300.00}! 

The bank may not retaliate against me for filing this complaint! That would be obstruction of justice and interference with the administration of government-both felonies!

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 2019-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BB&T CORPORATION
State: WA

Complaint narrative:
I financed a XXXX XXXX the loan was for XXXX for 72 months at XXXX monthly payments. the interest 18 % first payment made XX/XX/XXXX it is now XX/XX/XXXX and we still owe XXXX we have paid XXXX. now per contract the loan is for 72 months the total loan with interest will be XXXX that in it self is crazy but my concern is that we still owe XXXX but if you take the XXXX minus the XXXX we have already paid thats XXXX so whats the extra XXXX from. also the way they applied the interest and principle is not accurate the car is not worth more then XXXX so I cant even try to trade it. also they said that in a year to come back to the dealership and they would refinace the car but when i tried they said they dont refinance.

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