vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-27 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: AR

Complaint narrative:
I submitted a dispute with all 3 credit bureaus on the XX/XX/XXXX adn also some weeks before that thorugh XXXX XXXX. I havent ' received anthing in writing from two of  the agencies which are Transuion and XXXX. I reached out to Transunion and was told by two fraud reps and a supervisor my investigation was completed on the XX/XX/XXXX. and it takes up to 7 business days to receive something in writing from them and they have 5 days from receiving the request to investigate to start their investigation. I called to advise them I have yet to receive anything from them in writing and demanded they remove the negative items off my report, the first guy hung up on me the second guy transferred me to a supervisor and she repeated what the other guys said, as if she was going by what they had noted in the account. My understanding is if they haven't respsoned they are to remove the items off, I even have an email from XXXX XXXX that was sent to me stating the investigation hasn't been complete and I need to reach out to the bureau personally about it. How are we to use the law in our favor if the the bureau won't budge to remove negative items off when they are the one 's at fault because they haven't responed in a timely mannor. How does it fall into their favor because in their system they show a completed date but it is past 30 days for you to reveive a response but they are given an extentsion because in their system the completion date is within the 30 days but no respone has been sent and the response can be sent after 30 days according to them because their completion date in their system is within the 30 day window, it isn't fair technically it is past the 30 days regardless of what's in the system. Can I get help with this one, pleae.

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 2019-09-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: STERLING BANCORP
State: NJ

Complaint narrative:
I opened a new 12-month CD account with XXXX ( Sterling National Bank ) and funded the account on XX/XX/2019. 

They emailed me saying the funds would be in my account latest by XX/XX/2019. 

I called them this morning, and on the phone they told me it takes 3-5 business days to fund the account. However, the funds ( {$25000.00} ) are missing and XXXX is unable to trace them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: KY

Complaint narrative:
One Main Financial has been calling my cell phone in attempts to speak to me about past due payments. They have left several messages and call 2 to 3 times a day. They obviously have my personal information and had an old work phone number on file. I work for a XXXX  XXXX and am an XXXX in the XXXX XXXX where we do not take any customer phone calls. 

One Main Financial called my place of employment and impersonated being a mortgagor needing to speak to me to obtain my new work number. They contacted the main branch located in XXXX, KY and spoke to XXXX XXXX, the front desk receptionist and advised that they were a XXXX names XXXX and needed to speak to me as I was handling their XXXX. She contacted me directly to see if I was expecting a direct call from a XXXX  and when I advised no, she said that they hung up. They then contacted the XXXX 800 number for Customer Service and impersonated again being a XXXX and advising that I was working on their XXXX ( which I do not do ) to try and obtain my information. Someone in Customer Service did in fact give them my work number in which they started calling several times for several days. I called and left a voicemail with them and advised that they did not have permission to contact my place of employment. 

One Main Financial used deceitful tactics to obtain information as well as harassing me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
I have a current loan with Fortiva. 
I am not in collections! 
I fell behind one month and this Hindu lady calls before XXXX 3 times during the week and today I had it. 
She also calls with an unknown number so she can hide her identity/whos calling. Then proceeds to threaten to damage my credit by reporting that I am late etc. 
I think she does gets a kick out of it. 
Fortiva really need to take responsibility for who they have working for them. This lady is not aware or perhaps dont care to follow the basic rules of engagement and that we have rights. Its Fortiva whom she represents! 

Plus they electrically present the amount due to my bank/my account to deduct money even when I unchecked the authorization box in the website causing return check fees against my account depleting my funds which can snowball into other financial issues. They present several times at random dates. This is serious predatory behavior. 
You dont go under someones bank account to draft money when your company is no longer authorized. 
Please help! I cant start my day like this morning. I lost it today. 


PS Here is the companys information ; Phone XXXX Mail Fortiva XXXX. XXXX XXXX XXXX, GA XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I signed up for a Loan with Nelnet. The terms were as follows. Total amount XXXX with four payments of approx. XXXX. They charged the first payment amount correctly, in XX/XX/2019 But then increased the amount due to a school error. They charged me XXXX and refuse to refund it. Even though the school has corrected their records. When I call them they say there is nothing they can do. Agreement Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Was told by rep that XXXX could be an option for loan forgiveness and when I called back for XXXX forms they took it back these folks are loan sharks, will not with you if offer to pay reasonable amount and not a mortgage payment they dont disclose the scam about taking all your expense in total to get fair is really credit bureau pull, this needs to be discolored the is deceptive trade practice

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
The following complaint was filled with the CFPB on XX/XX/2019. In response to the complaint XXXX  responded on XX/XX/2019 pledging to investigate the complaint and responding in 30 days. Since it has been over 30 days and the company has not responded to the complaint, the all the items must be immediately removed from my credit report. 

Similarly, a letter was received from Experian dated XX/XX/2019 pledging to investigate the items disputed and responded in 30 days. It has been well over 30 days and neither a response nor has the items been removed from my credit file. 

Letters was sent to XXXX, XXXX  and, Experian on XX/XX/2019 and XX/XX/2019 and requesting validation of debt and verification of unauthorized credit inquiries. In my request for validation, I reminded Experian that in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681g the consumer is entitled to said records from said company or agency, the requested records which prove/show that the debt is indeed mine that were given to The Credit Bureaus n to validate this debt. They must in accordance with their obligations under the Fair Credit Reporting Act 15 U.S.C. 1681i delete this information from my credit report or send me copies of the documents that they have in their files with verifiable proof. I also requested correspondence be in writing. As of today, XX/XX/2019, Experian has not provided me with verifiable proof or copies of the documents used to validate this debt or document showing permissible purpose for the credit inquiries The Credit Reporting Agencies are reporting incorrect information and refuses to produce record supporting documentation that any individual to whom gave the information or the documentation itself as requested. Consumer reporting agencies bear the responsibility to ensure the accuracy of the accounts they report and their responsibility must consist of more than merely parroting information received from other sources. An investigation that merely shifts the burden back to the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

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 2019-09-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i got a letter from citi bank regarding they need some documents from my side, if i failed to provide the documents my account will be blocked. 
But they didn't provide the listed documents. 

I called customer support, but they said it was system generated, and it is showing no documents listed. 

i called twice but didn't get any response from citi for the listed documnents. 

finally on XXXX of XXXX they blocked my account without providing any reason. 

As all my money was there to pay all my bills but unable to make any transactions. 

Here is the reference no : XXXX that Citi provided. 

Name : 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 2019-09-27 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: NV

Complaint narrative:
XXXX  and transunion have XXXX XXXX posted as negative.

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 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank 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 non-monetary relief
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security credit services account # XXXX have no knowledge of this account. Account is not mine. I have contacted them and XXXX and all credit Bureaus. None have contacted me back with any documentation proving the account is mine as of the fair credit act. I have asked in writing and online for proof of documents and still have not received anything. It has beem months of me going back and forth with XXXX  and other credit companies. I need this account off my credit. It has impacted my credit to have late payments and credit score is also impacted. XXXX keeps updating the account everytime i dispute it but they cant prove its mine and everytime i ask for documents proving its mine, they dont reply back with any information. I feel that this is neglegents from XXXX. The account needs to be deleted from my credit as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IA

Complaint narrative:
I received a letter in XXXX of XXXX .I replied back certified mail stating I wanted proof of debt. they sent me a letter stating they were going to initiate an investigation and take it off my credit report on XX/XX/XXXX. I never got any information back they continue to send letters I continue to send letters via certified mail and I have all the copies of letters from me and to me, and now they are suing me without giving me any of the pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2017 I settled a XXXX XXXX  account with a collection company, at that time the company asked me for a {$1800.00}, payment to consider the account paid in full, since that time I have contact Experian and XXXX XXXX to fix the reporting on my credit report. First, XXXX XXXX corporate they do not how to even know who handle situations like this, on the other hand, Experian is saying to go back with them after I got one more answer on my dispute, even though I submitted the letter from the collection company that this account is paid in full.

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 2019-09-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank introduced Flex Loans ( an installment plan using ones available credit on an existing credit card ) and advertised them heavily. I used one of the offers to finance an unexpected home repair. After the Flex Loan was in place their website offered me a 0 % APR balance transfer. Having used balance transfers before, Im reasonably confident in how they work and felt comfortable using this offer. After making two payments on my account now with two balances at different APRs, I learned that based on Citis payment allocation rules, its not possible to pay anything toward the 0 % balance until the Flex loan is paid in full. The 0 % offer expires about 2 months before the final Flex Payment is due. Thus, if I dont pay the Flex Loan early, I will get hit with the interest on the 0 % balance, making this offer  impossible to use in real life. The system that generates these offers should have been programmed with this understanding. I find it hugely deceptive to be presented an offer that I cant effectively use. 

On XX/XX/19 I spoke with XXXX via chat who confirmed for me this is the case. I then called and spoke to a person who didnt seem to understand what I was saying, so escalated to her supervisor at my request. The supervisor also confirmed for me that this is the case, but could only document my complaint as a resolution as there is no fix, other than for me to pay off this card and not look back.

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 2019-09-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CO

Complaint narrative:
Mr. Cooper ( Nationstar Mortgage ) held our mortgage. When we sold, Mr. Cooper sent solicitations for mew mortgage. 

Applied on XX/XX/19 for pre qualification letter. They sent me letter and checked my credit and employment history, charged me for appraisal. When inspection report came out furnace and outlets were defective, so withdrew offer. 

Put offer on another house on XX/XX/19. Sent Mr. Cooper documentation. Then, just as house was about to close, they started asking me for documentation they had received from me 30 days earlier. Acted like they couldn't find employer. Then said there was a gap in employment from 17 months earlier - this is after charging me again for an appraisal. Would not approve or deny the loan despite 20 emails and calls. Would not reply as deadline for earnest money deposit came and went. Repeated this approximately a week later. 
I had to liquidate my personal holdings to close on the house. 
Never received an answer. 
Did not respond to request to receive refund for 2 appraisals, or request to have regulatory officer return my call.

Did not respond for several weeks to multiple requests to reset my entry into loan tracker -- finally responded after I paid 2 appraisals and deadline for earnest money forfeiture had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on the file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that have been disputed. Please resolve this matter as soon as possible. Thank 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 2019-09-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Financial Management Solutions, LLC
State: MD

Complaint narrative:
This complaint is in regards to FMS Financial Solutions. They contacted me as a result of a former apartment sending an illegitimate debt directly to them without contacting me first because of " insufficient notice given ''. I did not receive any communication from the company about renewing the lease so I moved out the day my lease ended. In response to FMS 's first letter XXXX XX/XX/2019, received XX/XX/2019 ), I sent a certified letter telling them that I was disputing the debt as not valid and told them not to contact me further. They responded with a letter acknowledging my request that stated " this is not an attempt to collect '' but still stated the debt that was owed. I received another letter from them on XX/XX/2019 stating that it was an attempt to collect the debt with no acknowledgement of my previous written request or my dispute of the debt.

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 2019-09-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Main Street Personal Finance
State: OK

Complaint narrative:
The debt was paid and is closed in the state database but they are still calling me when i told them I remembered paying it and it is not open in the database she said no thats wrong i have called the state database they say it is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
XX/XX/2019, I was contacted by Freedom Mortgage, our current mortgage company. XXXX XXXX, loan officer, offered a refinance opportunity to drop our current rate by half a point, which would get us to 3.5 %. He let me know the benefits of refinancing with freedom mortgage and we agreed. 
My wife and I have signed several e-documents and we also submitted all requested documentation in a timely manner. 
In the middle of XX/XX/2019 I received a call from Freedom Mortgage collections asking us to pay for month of XX/XX/XXXX. I kindly let them know that we would be signing our new mortgage loan in that month. According to XXXX XXXX we would be have XXXX dollars when the signing was complete. 
Soon after I called XXXX, to find out what was taking so long. He let me know that we had to pay our sewage bill to our township. I immediately paid that bill, scanned and forwarded the receipt to XXXX. 
My wife also had a follow up call with XXXX and he let her know that all documentation was submitted and we were set to close. 
Unfortunately, XXXX XXXX, stated that we did not submit our proof of occupancy. I contacted my wife to verify and I found that she did submit all documents requested. 
We had a conference call with both XXXX XXXX and XXXX. XXXX stated he submitted all documents to XXXX, however XXXX stated that she never received them and failed to contact us so we could work the open issues. 
I have contacted both XXXX and XXXX supervisor and they have not contacted me yet. The billing cycle for XXXX will be over on the XX/XX/XXXX and will miss that payment. 

XXXX Manager XXXX XXXX XXXX XXXX Manager 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