vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANCO POPULAR DE PUERTO RICO
State: VA

Complaint narrative:
My checking account with Banco Popular de Puerto Rico was closed due to inactivity for 6 months which I understand. I called XX/XX/19 to reactivate it, they sent me a form called Account Reactivation Request which I filled and sent to them the same day. I have been calling multiple times during the last months and they keep telling me it is in progress and will be reactivated the next day. Today is XX/XX/2019 and I still can't access my account. I left this account open in order to be able to transfer money easily to my family in Puerto Rico in case of an emergency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX  ) in XXXX. My first payment due to XXXX  was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.

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 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My loan was sold by XXXX XXXX XXXX XXXX to XXXX XXXX XXXX ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My loan was sold by XXXX XXXX XXXXXXXX XXXX  to XXXX XXXX XXXX  ( XXXX ) in XXXX. My first payment due to XXXX was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted XXXX to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.

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 2019-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
Loan for business vehicle was secured on XX/XX/2018. Each month the invoice for the payment on the loan is received with the incorrect name of the business on the payment remittance slip and the 'TO ' address that shows through the loan payment window. I have sent certified mail return receipt documents to the correct business address of the Loan company ( Citizens One ) to have the information correct and have received three letters and the initial loan paperwork that had the business name correct. I have called and talked with a supervisor and back area supervisor regarding the incorrect business name and each time the invoice is changed for one month and then it reverts to the incorrect business name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: FL

Complaint narrative:
This is potentially a giant scandal. 

After the XXXX  hack, I took the liberty of freezing my credit on all three reporting agencies. 

This past week, I attempted to open a new line of credit with XXXX but was informed that my credit was frozen and to call TransUnion, because they have a relationship with them to expedite the process. 

I called TransUnion and they asked for my PIN number to unfreeze my credit. I do have my PIN on hand, but just to see what would happen, I informed them that I lost my PIN, is there anything I can do? 

To my huge surprise, they said yes, and by answering a few security questions on my credit report, they can unfreeze my credit. 

THIS. IS. NOT. GOOD. 

What is the point of freezing your credit with a PIN if it can be accessed anyway without a PIN? The answers to those security questions on that credit report can easily be found with enough XXXX. 

THIS MEANS that the whole illusion of securing your credit with a PIN is FALSE. 
And this illusion of security will only lead us down the same path as it did with XXXX, with a data breach and the answers to those security questions. 

THIS MUST BE FIXED! 
I am considering reporting this to major news outlets. 

Let 's talk as soon as possible.

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 2019-03-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: MS

Complaint narrative:
My mother consigned with me. We are both out of work right now and we both told the company that we needed to temporarily stop payments until we both get jobs. They have stopped calling my mother but I get at least 3 phone calls a day from them saying I need to make a payment or face a delinquency mark on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 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: TX

Complaint narrative:
I have contacted Transunion and XXXX by phone two months in a row to discuss the fact that my credit report has not changed at least since XX/XX/2018. I was told that it automatically change when my creditors report to the bureaus. I was told by Transunion that they'll look into it but there has been no change. I've been dealing with this same issue for months. Although the same things are on my credit report and somethings has dropped off and others has decreased in balance, nothing, absolutely nothing has changed from XXXX or Transunion. If you look at my overall debt transunion has me at least {$86.00} more than either credit reporting agency, and this does affect my score. I've disputed some company called XXXX XXXX and XXXX XXXX credit which I've never heard of and Transunion and XXXX refuse to give the papers of validation. They told me that it was valid and I still have yet to receive any documentation of it.

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 2019-03-13 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: Transfinancial Companies, Inc
State: LA

Complaint narrative:
I have tried several times to dispute inaccurate information from Transfinancial Companies. They have listed two accounts one in the amount of {$940.00} and the other in the amount of {$6600.00} placed on my credit report which I have tried to dispute with the company through the credit bureaus. The company has said the information is correct without any documentation to support the statement. They have not provided any validation of the debt to me. They company has placed this inaccurate information on my report and does not want to follow the proper guidelines for credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX Ive never been seen at this place before. I never received any information nor phone calls that I owed a debt. I called to see what it was for because it got placed in collections and added to my credit report. I talked to someone that stated they werent sure but it happened in 2015. With no attempts to let me know this was even active. The credit agency is Midwest Recovery Systems who Ive never heard of. For {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Io, Inc.
State: PA

Complaint narrative:
XX/XX/19 TO WHOM IT MAY CONCERN : RE : XXXX XXXX XXXX, XXXX XXXX XXXX, Phone : XXXX/ XXXX XXXX, XXXX XXXX XXXX , XXXX , PA . Phone : XXXX I am writing this letter to seek help in a matter involving XXXX XXXX XXXX. I received a letter in the mail around XX/XX/XXXX, stating that I owed {$70.00} for services rendered through XXXX XXXX in XXXX, Pa. 
I should not have received this notice nor bill because I have co-insurance which pays all my out-patient co-pay. I had used XXXX XXXX XXXX several times in the past and not received a bill. This time someone must have made a mistake in not billing the co-insurance under my secondary insurance. 
In contacting XXXX XXXX XXXX, I told them that and the representative was not compassionate to real facts. The bill was originally {$30.00}, with the collection fees it remains to be {$70.00}. 
I then requested to speak to a supervisor concerning the matter, I was then, transferred to a supervisor name Ms./Mrs. XXXX, she was least concerned with the facts and so very unprofessional. Though I had explained the situation to her. She made no sense in being a professional, so I told her I would handle the matter and call and talk to patient first. 
I spoke to a rep at patient first and she told me that they did not have my co-insurance at that time of the billing. I ask why not it was on record all the other times that I used their services for emergency care. She then, asked for my co-insurance and told me that she would decrease the bill. Since then Ive called Ms./Mrs. XXXX leaving several messages on her voice mail and she would call one time and one time only and if I am at work, she I tried to call her on my break she would not answer. 
I rather not deal with XXXX XXXX XXXX because of the unprofessionalism on their part. So, I am writing to get help. XXXX XXXX XXXX are threatening to put this {$70.00} bill on my credit file. 
Truly, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX . # XXXX XXXX, Pa XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I need to have my credit report reviewed by someone that knows what they are doing! 
I have been in OHIO for over 10 years I have addresses on file that I never lived at. My name is XXXX XXXX XXXX not XXXX XXXX XXXX. Please correct. I live at XXXX XXXX XXXX XXXX, OH XXXX : please delete XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX XXXX XXXX XXXX CT XXXX. The following companies and account I do not recogize as doing business with these companies : XXXX XXXX XXXX TES55228** XXXX XXXX XXXX 522126000023**** XXXX XXXX XXXX XXXX XXXX XXXX 26781** XXXX XXXX XXXX 3000017425527**** XXXX XXXX XXXX 8147**** There is plenty of case law and provision to protect my credit from inaccurate information XXXX vs. TransUnion , XXXX vs. TRW ( XXXX ), and XXXX vs. XXXX , XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable.

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 2019-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have an old account closed by XXXX XXXX and sold to a third party debt collector Midland Funding LLC who has forwarded the account to their legal department. 

This company has violated my rights under the FDPCA. I was informed by a friend that someone impersonating either law enforcement or some sort of legal entity came to their home at XXXX XXXX XXXX XXXX in XXXX GA with papers threatening to arrest me, harassing the individual as to whether I live in the home ( which I do not and never have ) and divulged that they were doing this to collect a debt. The friend called me immediately to tell me about the situation. He stated they badgered him accusing that I did indeed live there and he needed to give them more information on my where abouts, place of work and what time Id be home for someone to return. 

At no point and time since this account has been sold from XXXX XXXX to this third party collector, have they tried to contact me. And their methods have directly violated my rights and several issues with following compliance laws under debt collection practices. 

Initially I was even unaware that it was not a XXXX XXXX, and filed my original grievance against them. XXXX XXXX emailed me to state that they no longer own the account and were not responsible for the actions stated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: KY

Complaint narrative:
About 14 years ago, I deposited {$600.00} for a secured credit card with US Bank. I have been using this card ever since until XX/XX/XXXX when I called the bank and informed them I wanted the account closed and my deposit refunded. To my surprise the bank informed me that my card wasn't secured anymore and was operating as a normal credit card. US Bank claimed to have refunded me the money back in XX/XX/XXXX. I am adamant that no refunds were ever received from US Bank. I then requested documentary evidence or a paper trail that clearly shows a check from US Bank or funds were deposited in my account. 

The bank is unable to provide any evidence citing an obscure law that allowed them to destroy banking records after 7 years. They request that I take them at their word and they got no reason to lie to me. I find this very insulting. Its a brazen attack on my intelligence! I called the bank again today XX/XX/XXXX to no avail and spoke with XXXX in Underwriting. 

I also left a message for a manager called XXXX and she called me back stating her agreement with what previous employees had advised me. They stated my only other hope is to write a letter to their US Bank President or send fax. The President cant be reached by email or phone. Their goal is to make it harder for consumers like me to get their issues addressed

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 2019-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
I purchased a vehicle with Citizens One XXXX XXXX. 
1. My first " statement '' did not have loan amount.

2. Letter did not come with a coupon book.

3. Interest rate is not stated or principal / interest broken down 4. Called numerous times to resolve items and get transferred around to different depts.

5. Fuzzy copied letter does not appear " real ''

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have previously made payment arrangements with Discover. Discover continues to make multiple harassing telephone calls to me at my telephone number as dated in detail below : XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 
XX/XX/19 XXXX XXXX 

As you can see, this far exceeds the once daily telephone calls & is considered to be harassing at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bonneville Billing and Collections
State: UT

Complaint narrative:
The company claimed I owe Bonneville Billing and Collections Inc for medical services rendered to my wife which I have no knowledge of any such services. They claim that since I am married to her the debt is joint but in fact the state of utah is not a common property state and I signed no document that I will pay for the said services. The debt is not joint but they filed falsely claiming I owe them and am responsible for it. My wage is currently being garnished unlawfully by them armed with the knowledge that I was never treated by them nor did i sign any documents that i will take responsibility for the debt. they are frauds and they think I don't know the law. I am also filing a complaint with AG 's office in Utah. they need to cease their illegal activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Express Recovery Services, Inc.
State: FL

Complaint narrative:
NOTE : I checked the option that showed " Attempt to collect the wrong amount '' because that was the best option. Not the real problem. 
The real problem was that I negotiated a " Pay for Delete '' with this company, and they didn't hold up their end of the bargain and delete the information from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I AM GETTING SICK AND TIRED OF THIS COMPANY TREATING ME SO WRONG THEIR CREDIT DEPARTMENT IS HORRIBLE WITH ME EVERYTIME I APPLY FOR MY BLOOMINGDALES CARD ONLINE OR IN STORE THEY DELCINE ME DUE TO A TEXT MESSAGE THEY TELL ME TO STOP APPLYING ONLINE AND GO TO THE ACTUAL STORE WITH ME ID I WENT THIS MONTH ON FRIDAY AND THEY REFUSE TO PROCESS MY APPLICTIONS WHEN THEY TOLD ME TO GO AFTER 30 DAYS WHICH I DID AND THE SAME THING HAPPENS THEY DONT TRY ITS LIKE THEY DONT WANT ME UNFAIR WITH ME XXXX XXXX HAS BEEN UNSUCCESUL IN GETTING THIS RESOLVED THEIR ARE DIFFERENT METHODS TO COMPLETE VERIFICATION BUT THEY CHOOSE NOT TO HELP ME AND SAY THAT TEXT MESSAGE IS THE ONLY WAY THIS IS RIDISICLOUS AND I WENT TO THE STORE I HATE THEM THEY GIVE ME A HARD TIME FOR NO REASON

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