vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: LA

Complaint narrative:
Portfolio Recovery Associates has claimed I owe three different debts that their company owns. This account was disputed the first time with XXXX, XXXX, and XXXX on XXXX XXXX, XXXX. I received correspondence from Portfolio Recovery Associates in the form of a statement. I clearly asked for VALIDATION and it was not validated at all. I sent a second XXXX XXXX, XXXX round of disputes to all three credit bureaus again asking for validation ; I, again, received a old statement from Portfolio Recovery Associates. I disputed a third time on XXXX XXXX, XXXX and I received the same old statement that I received the first and second time. I recently was turned down for a mortgage because of it. I am due to welcome in a XXXX XXXX XXXX very soon and this has greatly depressed me. Please investigate this matter for me. I thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion- I called on or about XX/XX/XXXX after obtaining my credit report. I noticed several unauthorized inquiries on my report. They are as followed : XXXX ( XXXX XXXX ) XXXX, XXXX XXXX, XXXX XXXX  XXXXand XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. I asked them to remove them because I did n't authorize these companies to check my credit but they refused.

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 2017-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MI

Complaint narrative:
XXXX XXXX. Someone from XXXX hacked into my western union account and sent from my bank XXXX. By the time I got email about it person picked up money. Then I get a receipt sent to me from someone who used western union to send me XXXX back from XXXX, unfortunately western union has no record with that tracking number. I immediately after each incident called western union and or my bank. 
Western union response was to send them documentation of both transactions to start investigating. 
Unfortunately because stolen money was picked up I could n't cancel transaction for refund and other transaction nothing but apology. 
My bank on first fraudulent transaction could n't stop payment because used my card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: CA

Complaint narrative:
Beginning on XXXX XXXX XXXX and through XXXX XXXX XXXX, I have been trying to lift the security freeze from my credit file with Equifax via calling them around the clock, literally every 20 minutes during their business hours. Everytime I speak with an agent over the phone, they are unsuccessful in lifting the freeze and would tell me to call back in 30 minutes due to the fact that they are unable to access my file and that their system is going through an upgrade. I have also tried their online website to unfreeze my credit file, but that was also unsuccessful and again I tried logging on and submitting the request every 20 minutes but to no avail. 
I have asked if there is a supervisor or manager that I could escalate my case to because it is a very urgent and serious matter. I have applied for a loan on a home purchase and my lender is requiring to see my credit scores from all 3 credit unions. I was able to lift my security freeze with XXXX and XXXX successfully. However, Equifax has been giving me a lot of trouble with it and my loan can not be processed unless my lender sees my credit score from Equifax. If Equifax does not lift the security freeze by Wednesday XXXX XXXX, XXXX, I will be losing my deposit on the house, which amounts to {$38000.00}, a big sum of money I can not afford to lose. At this point, I have sent two written requests to Equifax at the office in XXXX Georgia via USPS Overnight Service on both XXXX XXXX, XXXX and XXXX XXXX, XXXX. I have tracking numbers to confirm when they would have received my request. I believe by law, the credit reporting agency Equifax has only 3 business days after receiving my written request to lift the security freeze on my credit file. I do understand that at this time of filing the complaint with CFPB, it has not been exactly 3 business days yet since Equifax will have received my request, but I am informing CFPB right now in the anticipation that Equifax will not be able to resolve my issue in time. They have been extremely unhelpful on the phone and their website is n't very useful at all. I actually do not even feel confident, at this point, that they would be able to lift my freeze in time. I am filing this complaint in the hopes that CFPB can help me investigate and escalate this issue further with Equifax since this is a very urgent and serious matter and a lot of money is at stake here. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
My father paid off TD Auto Financing on XX/XX/XXXX. There was an auto draft on the bank account for a monthly sum of {$880.00}. My father was hospitalized a few days later and did not have a chance to cancel the withdrawal. TD Auto continued to draw the {$880.00} every month for the last 5 months. I became the POA and called the company. They refused to talk to me until they had my POA, in the meantime my parents account was over drawn. They sent a check in XXXX for 2 of the overpayments and continued to draw the payments on an already paid off vehicle. Again, they sent another check for 2 more payments and we still have not received the last payment. I called the company the last of XXXX and talked to a supervisor. He said that if there is an overpayment the company returns the money and cuts a check on the 24th day after the overpayment. I asked why did we receive 2 payments at one time if that was the case? He could not explain that. It is now XXXX XXXX and a check was suppose to be cut on XXXX XXXX. I called and the check is suppose to have been cut on XXXX XXXX ( we still do not have it ) which is much longer than 24 days per their policy yet again. After I looked at the printed out check for a payment ( on a truck that was paid off ) from my parents bank I noticed that TD Auto wrote the check themselves and cashed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX XXXX : IQ Data. XXXX XXXX XXXX, XXXX, wa XXXX XXXX XXXX XXXX, Mgr Acct # XXXX Original Debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX refused credit and to sign lease based upon insufficient credit. 
roommate signed as leaseholder and I moved into XXXX XXXX per XXXX XXXX policy : in consideration of holding a set of extra keys : signed the lease. 

rent was paid for the 3 months lived there on time and in full. 

XXXX XXXX : notified XXXX XXXX of vacating premises, moved out, returned my set of keys to XXXX XXXX XXXX thus ending my lease commitment, which was based upon the contractual consideration of holding a set of keys, XXXX XXXX : XXXX XXXX XXXX evicted my roommate. they had knowledge I no longer lived on the premises and no longer had keys to the apartment, they therefore knew that an eviction was moot, and also that I could not be served at the address of the apartment I had vacated, facts : my entire income : social security and long term XXXX, are exempt from judgement per California XXXX procedure statutes, ccp 704.130 & ccp 704.080 facts : 1 ) I repeatedly called Iq data AND XXXX XXXX apartments asking for : proof of debt. copies of all documents I had signed, and to give them ALL the facts I report here, XXXX ) XXXX XXXX XXXX, and XXXX him XXXX XXXX XXXX actually hung up on me as did another iqdata rep when I asked for those documents, said they could not and would not provide written proof of debt, and ... during a recorded conversation tried to start stating " facts '' that were simply not true. 

I spoke to XXXX XXXX XXXX, XXXX XXXX XXXX mgr, XXXX, another XXXX, and various others over the space of several months, My calls were returned twice out of those many contacts, I have yet to receive ANY written correspondence or serious attempt in writing to provide the documents I have asked for. 

I am asking for the following resolution : XXXX XXXX IQ Data and XXXX XXXX XXXX will remove any reporting of this debt on my credit reports. 
XXXX ) notify me in writing that this has been done,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX filed a state tax lien ( s ) which was reported by all three credit reporting companies. The lien ( s ) have been released properly under Cert # XXXX for XXXX XXXX reported as Release of Lien by XXXX and XXXX, However, Experian is still reporting the lien filed with the XXXX XXXX County Recorder as being an open and active lien not as RELEASE OF LIEN like XXXX or XXXX have already updated their report the reflect RELEASE OF LIEN as noted below for Experian : Experian Court / Docket Number Plaintiff Ownership Filing Date Balance Amount XXXX XXXX XXXX XXXX Individual XX/XX/2016 State tax lien

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 2017-11-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I have an XXXX XXXX account for my XXXX school loans with XXXX. The servicer has very poor response to customer inquiries, does n't allow for easy repayment of the full loan amount, does n't allow for online setup of recurring payments, sets up substantial barriers to telephone customer service with long wait times. I have multiple loan accounts and XXXX doesnt allow me to setup recurring bill payment through online account because I have " multiple accounts '' .I have personally been on hold for 4 hours without reaching a customer service representative. 

I believe a lot of these barriers are placed intentionally by this servicer. I am including a picture of the screenshot from the phone call that illustrates the extraordinarily long wait times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I received an alert on my credit file that a collection account had been added to my XXXX  credit report. I did not and still do not have any knowledge of any collections. A debt collection letter was never received and I did not have any pending bills or collections in XX/XX/XXXX (  which is what the collection agency ( XXXX XXXX ) is reporting. I immediately disputed the account and collection upon notice to the only reporting agency at the time, XXXX, and they deleted the unknown account and updated my credit report file on XX/XX/XXXX. After XXXX deleted the account, the creditor began reporting the account with Experian. The account with Experian was disputed and they refuse to delete it, even though XXXX agrees it is an unknown account, and it was never being reported on Experian until after the XX/XX/XXXX. I want the collection removed from my credit reports, because I never opened an account, paid any monies to, or began any agreement with a collection agency. The information is inaccurate.

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 2017-11-04 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: WA

Complaint narrative:
Several months ago, I tried to set up direct debit for a significant over-payment on my student loan amount ( to help pay the loans down faster and avoid interest ). When I tried to set up this direct debit on your website, the website returned an error message that said " Please correct the following 1 error ( s ). Additional Amount can not exceed 1,000.00. '' I contacted customer support, and they told me that this is a " known glitch '' that their IT had been trying to fix for over six months. They instructed me to write a letter to XXXX XXXX asking to set up direct debit for the over-payment amount. 

I just tried to increase my over-payment, and I encountered the same problem again. The website still gives that same error. I contacted customer support and spoke with XXXX, employee ID XXXX, and got the same answer : I have to send a letter requesting the over-payment. 

I find it very difficult to believe that this error message is a mere computer " glitch. '' Computer glitches do no explain themselves in plain English. A human had to have entered that function, and the error message explaining it, pursuant to some internal policy. 

Assuming this is true, I find that policy profoundly unfair, bordering on deceptive and dishonest. It places a completely unnecessary procedural hurdle in the way of borrows trying to pay down their loans as quickly as possible. I can see no reasonable justification for this. And, even if it is a simple " glitch, '' it should not take a major loan servicer more than eight months to fix it. 

I am writing the necessary letter tonight, so my immediate problems are solved. But I want XXXX  to fix this " glitch '' as soon as possible, to make it easier for students to pay down their loans as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I got a letter from the bank saying they ran a hard credit inquiry on my credit which turned out fraudlent. 

They have asked Equifax to remove the hard credit enquiry and thats the content of the letter there is no response from bank of a follow up nor has equifax taken any action

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: GREAT LAKES
State: MI

Complaint narrative:
I have had a loan in forbearance with Great Lakes Higher Education for about a year or more now. I am at a point where I can start making payments as I have recently become steadily employed and want to start paying these loans off. I have reached out to the servicer on multiple occasions to make a payment as I have a high amount of interest that has already accrued on the account I have. They keep asking me for my personal bank account information or telling me to go open a checking account somewhere as they will not accept credit card payments. I have a valid credit card I can pay with and I 'm not comfortable giving anyone direct access to my savings account ( I do n't have a checking account ). I have no other method of paying my student loans other than through a credit card. All I want to do is make a payments until the loan balance is paid off. There seems to be no flexibility at all on this and if I knew there were stipulations to getting my student loan that it can only be paid off with a direct link to some kind of a bank account at this point I would have just foregone my education entirely because now its likely going to ruin my credit and keep piling on interest. Any and all help would be greatly appreciated! 
Thanks so much!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian- On or about XXXX XXXX I called Experian after receiving my credit report and noticed the extreme amount of inquiries on there. I asked them to remove them because I did n't give these companies authorization to run my credit. I was told they would n't remove them. The inquiries are as followed : XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX and XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX, XXXX 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 2017-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I bank with JP morgan with Chase and for the have been charging me {$25.00} service fee for no reason. As you can see below, I had all the charges reversed by either making a trip to one of their location or by making a phone call. Each time I was told it was an linkage error and it would never happen again. In XXXX I wanted to be proactive and went to their location and spoke with a lady by the name XXXX XXXX. She told me everything looked fine and I should n't see any charge. As you can see below, I was charged for the 7th time on XXXX XXXX and I will go tomorrow and close the account and move my money to a different bank, but in the mean time, I think this is stealing and that 's why I decided tfile a complaint. 
Please see below. 
DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION CREDIT XXXX/XXXX/XXXX SERVICE FEE REVERSAL XXXX REFUND_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION DEBIT XXXX/XXXX/XXXX MONTHLY SERVICE FEE ( XXXX ) FEE_TRANSACTION

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I wrote to Equifax, notarized and certified mail. Stating that there are inquiries that I do n't recognize and I did n't authorize or signed any documents. Therefore I want them deleted, they wrote back stating that a third party may access your Equifax credit file to assist in the underwriting of your request for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-04 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, {$8.00} was charged to my Chase account for a recurring monthly XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX XXXX ) which was terminated by the club and chase inXX/XX/XXXX. I contacted Chase to advise them that I disputed that charge by telephone and letter. My account was credited for the full disputed amount. I have again received a bill from Chase for the exact same amount dated XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I wrote and mailed a dispute letter to Transunion delivered per US Certified Mail ( attached ) XXXX XXXX, XXXX. XXXX XXXX after waiting more than 30 days as instructed I had not received a response and reached out to Transunion customer service. I was advised that my dispute had been complete, that all accounts in question had been verified by the creditors but provided no documentation or evidence. I advised the representative that per my dispute and rights afforded to me by FRCA I was due copies of the original contracts to verify the accounts added to my credit reports or the information was to be deleted. The representative advised that they had heard that before but the companies were not required to provide them the information and they would not delete the records based on FCRA information i had provided. The representative said they mailed out my results on XXXX and i had to wait until XXXX before they could re-send another copy. I reached out to Transunion again after XXXX only to be told again they would not delete the records again and that i they would send me a copy as promised before and i would need to wait another 14 days for it to arrive. After attempting to work with Transunion on several occasions, being denied on multiple occasions, my next step is to start litigation against 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