vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XX/XX/XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to bbb.org. I have been getting the run around since XX/XX/XXXX and no one seems to not know what to do. FInally in early XX/XX/XXXX,  someone responds to the bbb complaint and says they re loaded my account information in e-Oscar and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in e-Oscar,  and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and tranunion is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in e Oscar, and I will attach a screenshot of the notification of the account being deleted.

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 2017-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed an incorrect date on XXXX XXXX with Transunion for the XXXX XXXX account listed on my credit report, and a month later XXXX XXXX sent me an notification that the XXXX XXXX account has been deleted off my credit. This dropped my score 117 points. I contacted Transunion and they said they sent a letter to XXXX XXXX on XXXX XXXX and due to no reply back after 30 days the account was deleted. I 've contacted XXXX XXXX numerous of times and even reported this problem to XXXX. I have been getting the run around since XXXX and no one seems to not know what to do. FInally in early XXXX, someone responds to the bbb complaint and says they re loaded my account information in XXXX and the credit companies should see it. I contacted Transunion only for them to tell me that they ca n't see the account in XXXX, and I need to tell XXXX XXXX to complete an re insertion by contacting Transunion marketing services. I was told this by a male rep. I contacted XXXX XXXX to relay the information and they tell me they contacted marketing services of Transunion and XXXX is telling her that XXXX XXXX was never an account on my credit. This is so frustrating, for 2 months I have been on hold to accomplish some life goals, because my credit is holding me back all because of XXXX XXXX. Please help me. I will attach the reply from an XXXX XXXX manager on bbb and I will attach the payment history in XXXX XXXX, and I will attach a screenshot of the notification of the account being deleted.

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 2017-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Credit Service, Inc.
State: MO

Complaint narrative:
I received a phone call from the company on XX/XX/XXXX. The caller left a voice mail message with a case number XXXX and a number to call back. When I returned the call the agent said that they had sent out a letter and were prepared to file suit and place a lien against my home. When I asked about the debt, they stated that it was for a credit card that I had in XX/XX/XXXX. The person then hung up the phone when I stated that the debt was to old to be collected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XXXX XXXX XXXX I requested a balance transfer of {$14000.00} out one of my account to be transferred to a personal checking account with XXXX XXXX XXXX, after repeated calls to follow up on the status without any answers, I was informed today that the check was returned to Capital One and will take up to 2 billing cycles to be credited into my credit card account. XXXX XXXX informed me that it is very common for Capital One checks to be returned when transferring to a checking account, but can not explain why they must hold my money for up to more than 60 days before I can access it again. In the mean time, my credit score is taking a dent on the extra credit utilization and I 'll need to draw on my savings to make sure all expenditures and credit accounts are up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
1. ) What is this complaint about? Illegal and Unlawful foreclosure 2. ) What type of problem are you having? I am having problems having authorities look into the procedures that were used to dispossess me from my property. It is my belief that the participants are debt collectors who do not possess the standing nor are real parties in interest and have conducted fraud against me and the court. 
3. ) What happened? My real property interest was wrested from my in what I believe was an illegal and unlawful manner resulting in me being dispossessed from my home. 
4. ) What company is this complaint about? XXXX XXXX XXXX 5. ) Who are the people involved? XXXX, XXXX, XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX 


On or about XXXX XXXX, 2012 a foreclosure action was executed against my property in what I know to be an unlawful foreclosure by a third party debt collector. The foreclosure was initiated by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX through their agent ; a Law Firm by the name of XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are NOT a Creditor/Lender or A Mortgagor of mine, nor have I applied for or either received any services or credit with the aforementioned.XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX are debt collectors who do not possess the requisite standing or real interest to sue for possession of my real property in a court of law. The collection of this debt was attempted in violation of the FDCPA 15 USC 1692 ( g ) and all corresponding consumer protection laws. 

The aforesaid entities have only provided copies of documents that are available through the public records that are easily accessible to anyone. I assert that those documents are forgeries and I am demanding that the debt be verified under penalty of perjury pursuant to the Fair Debt Collections Practices Act. 

The above named entities have not, nor have ever cooperated in the verification of the debt, nor have have not presented unimpeachable evidence that they are truly a creditor with standing to sue in a court of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I tried to contact Transunion to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Transunion did n't respond to me. Please lock and place a freeze on my credit report and 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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.

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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XXXX XXXX 2017 XXXX XXXX re-inserted an old debt onto my credit report and failed to notify me within 5 business days afterwards and wo n't remove this previously Deleted item.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
On Monday XX/XX/XXXX, I contacted Alliance One by phone in regards to an account that was issued to them from XXXX XXXX Municipal Court ( XXXX ) in XX/XX/XXXX for {$470.00} which they said had now accumulated to well past {$1000.00} due to interest fees. I notified them that I was totally unaware of the existence of this debt and that I would like to settle the account out or make payments and asked how much they would be willing to settle for. I was then told that there are other accounts in the office and that the total amount was well over {$5000.00} and that they would only speak to me about the entire amount. I notified them that I dispute any other amounts that they claim I owe and that I would like to speak to a supervisor to make payments for this specific account from XXXX XXXX Municipal Court only. I was then told in regards to me paying that the whole amount ( $ 5000.00+ ) or no amount would be accepted or negotiated therefore they were denying to receive my payment. I asked to speak to a supervisor and was placed on hold and then without warning, was transferred to a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I tried to contact Equifax to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any credit or any person or entity to be able to check my credit report or credit score. Equifax did n't respond to me. Please lock and place a freeze on my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
Since the closing of my business, in 2009, which created for me much financial difficulty, I have been granted 2 separate loan modifications. First with XXXX which during this time became Ocwen. My first complaint would be the prolonging of the application process. The first took several months of a trial period payment which I paid on time each month but undenounced to me was reported as being 30 days late each month, making my once XXXX credit score to substantially lower, even though they assured me my credit would not be affected. In addition, before the first modification was granted my principal balance was {$150000.00}. and now after the second {$280000.00}. Understanding that I did not pay my mortgage periodically and that would of course be added in, and not being able to afford legal counsel, I never got straight answers or supplied factual documentation to answer my questions of how the figures added up, and then time would run out and I felt forced to sign or my house would be taken. I understand I am still in my house and I am grateful but I am upside down on my house and my credit is now damaged. After paying on my house for 15 years, I owe almost double of what I financed it for! How is this even legal, never mind fair! How is that helping??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My data was affected as part of the Equifax data breach. I signed up for TrustedID from Equifax on XXXX. Today is XXXX and I received the sign-up email from Equifax last week, but their website has been down/broken. The sign-up email says " You have already signed up for TrustedID and this link is no longer valid. '' However I never signed up for this service - the link never worked for me. The website www.trustedID.com is down and has been for days. In the random moments the website goes live, I try to request my password ( I never created one, but it says I have an account, so I figured I could try it?! ) and the website just times out and then crashes. 

This is wholly inadequate. Equifax should be fined and censured for their callous attention to basic security practices which can affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
To whom it may concern ; I do some banking with US Bank in XXXX XXXXXXXX XXXX. I usually use it to pay some bills online. Today I went online to discover that my checking account had {$700.00} in it that I had not deposited. I then saw that there was a monthly maintenance fee which is always put on and then waived that same day. I really do n't know why they bother since it 's not a real charge. I noticed that this " fake '' charge had put my checking account {$1.00} in the red. I then saw that the {$700.00} had been taken from my XXXX XXXX credit card as a credit charge against my card. This was termed " overdraft protection from card ending in XXXX ''. This was NEVER authorized by me, nor was I informed about it. Also, I had already deposited {$100.00} on XX/XX/XXXX and this {$700.00} was n't posted until XX/XX/XXXX, over two weeks after the 'on paper only overdraft ' had been posted on XX/XX/XXXX. I feel that not only is invoking overdraft for a 'technical ' charge unfair but the amount is absurdly excessive. I also had more than enough in my savings account with them if the felt they had to cover it. I called their branch office to tell them to take the charge off of my account and was told only the manager had authority to do this. I am very upset about this business practice. I was never told when I was encouraged to sign up for overdraft protection that they would do this to me. On a personal note I am dealing with a serious health crises which will put me in the hospital for several days this week. This is the last thing I need to deal with. I do n't want this to happen to me or anyone else again. 

Thank you for your attention to this matter, XXXX XXXX ( XXXX ) ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I tried to contact Experian to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any creditor or any person or entity to be able to check my credit report or credit score. Experian did n't respond to me. Please lock and place a freeze on my credit report and 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 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
First I am a Identity Theft Victim. Not just a plain victim. My profile was stolen and IRS is working on this to help get a new social security number. 
XXXX XXXX stated they sent info., to you to be checked. I did not authorize that. You should have looked for the authorization. But, you should have immediately known I was a Identity Theft Victim. Then you come out and give them some bogus score number, after I have had my car financed with XXXX XXXX and have a perfect account. This seems to be a pattern where the finance co. can approve the loan but charge a higher interest rate. My loan with XXXX today is at XXXX XXXX 
I can see from the multiple complaints that this is going to turn into a mass litigation lawsuit! 
I tried to get my credit report from you and have not received it. I just called you again, but will not call anymore. I am requesting a full investigation of your company, to include employees-where and how you obtain your information-length of time in business and the number of complaints filed against you.

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 2017-09-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I have trying to callall three reporting agencies and i the recording line to deputes some incorrect information information. 

XXXX XXXX XXXX XXXX XXXX I never received a bill and they sent me to the Collection agency i had called to day and make a payment. 
XXXX cl REV App This one they sent the bill to the previous address. How ever the account has XXXX balance when they called me I pay the amount i own. 
XXXX XXXX open App. 
I did talked to a lady at XXXX she is going to send you a letter saying that is paying in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-25 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 received a letter from XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX indicating that I was required to reapply for Income-Based Repayment. The letter stated " We must receive your application by XXXX/XXXX/XXXX. If we do not receive your application within 10 days of this date, payment will increase.... '' The letter does not specify whether the 10-day period includes weekends. 

I resubmitted my application for Income-Based Repayment on XXXX XXXX, XXXX, within 10 days of XXXX/XXXX/XXXX ( including a weekend period ). However, XXXX informed me by phone on XXXX/XXXX/XXXX that it would not honor the terms of its prior letter and was increasing my payment for XXXX XXXX. The company explained that it had received my application and recalculated my payments but that it would not apply the income-based repayment amount to the month of XXXX. It further informed me that the only method of relief from the substantially higher XXXX payment was to apply for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC
State: MD

Complaint narrative:
I 'm XXXX XXXX XXXX I noticed Enhanced Recovery re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Today on XXXX/2018 my XXXX XXXX account was frizen without any notifaction!! No rmail no call. When i called i find out that because if early warning systems there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling early warning I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a XXXX XXXX who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Today on XX/XX/2018 my navy federal account was frizen without any notifaction!! No rmail no call. When i called i find out that because if XXXX XXXX XXXX  there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling XXXX XXXX I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a single mother who is already struggling! This was not the correct way to go about buisness for neither 3 companies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation