vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX  XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.

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 2020-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX is an account holder of many services from USAA, but she has recently passed away. However XXXX has passed away as of XX/XX/XXXX. There are 2 insurances withdrawn from XXXX, there is an outstanding debt on a credit card, there is also a " subscribers '' account. I go on to her online portal and attempt to work with someone regarding her situation and they are not helpful.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I received a letter form Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank requesting money from me. I responded and sent Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank a Notice to Validate the debt claimed that I owe. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank ignored my requests to validate their account on XX/XX/2020. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and Goldman Sachs Bank received 3 notices to 3 different addresses via certified mail. 
Marcus By Goldman Sachs, Goldman Sachs Bank USA, and XXXX XXXX Bank failed to provide proof of contracts explaining why they feel like I owe them anything. 
This account has been updated each month with the 3 major bureaus and has not been validated This account has been charged off 28 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I made my first mortgage payment to guaranteed rate. The payment was for my first payment sue XX/XX/XXXX. I was made aware that the servicer of the loan ( guaranteed rate ) would be switching departments somewhere between the first and second payment. This would provide me a new account/loan number. This seemed fine and I was assured any payments made would be transferred to the new servicer. I made my second payment on XXXX XXXX for the second payment due on XXXX XXXX. Since then I have been receiving mail stating my account is overdue. When I followed up I was told there was likely a delay between the two servicers. After one or two follow up calls I requested a supervisor and that an investigation be started. After being told multiple times i would receive followups with updates, I receive none. However I continue to get calls from Reps asking for my payment ... All in all Ive spoken to about 10-15 different representatives. Each conversation nothing gets resolved. Ive provided multiple emails with loan info/documentation, bank statements, receipts, contact info for the reps Ive spoken to. Now my next payment is approaching ( which I confirmed that I have DD setup ) However I was just made aware, after numerous phone calls, that my DD will not go through unless my account is up to date. Which on guaranteed rates end it is not. So while the issue is still ongoing Im expected to either make 2 payments ( one of which is DD ) in 2 days, or make 0 payments while I await a resolution. Ive been in contact with my bank as well to obtain more information regarding the initial transaction. All in all, I felt as if I was doing the right thing making my payments ahead of time and following the payment recommendations of my loan officer/Cust service reps I spoke to. However this has been one of the most time consuming and frustrating experiences. I would not recommend using Guaranteed Rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have been a member of chase for a long time and this year alone they have taken over {$1800.00} in overdraft fees from my account. Recently I have changed my options for overdraft protection since I didn't want my bank to continuously go negative but payments are still being processed when funds are negative and im still being charged a fee for each item charged. I have also noticed my bank rearranges the way I spend so they can charge me more in overdraft fees. Just this month alone chase has taken {$230.00} in insufficient funds. In addition to the rearrangements, their site states I can deposit money before XXXX so I deposit the money to prevent more fees and whenever I am already negative they delay the deposit process to get the fees. The most recent occasion has been these past few days from XXXX-XXXX. On the XXXX they rearranged a charge so that I got 2 insufficient funds fees instead of just one. They also continuously allow my bank to go negative and charge me more fees, I initially thought overdraft protection was there to protect me from overdrafting my account but it only seems like another excuse to keep taking money so it doesn't seem like it matters whether I have overdraft protection or not. I believe this is malpractice and I can provide more information and evidence if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
The Company is XXXX XXXX  ( Comenity/XXXX  ) XXXX XXXX Tx XXXX I took out a loan in XXXX for dental work done. On XX/XX/XXXX, the balance was {$19000.00}. I received an email reminder of the same balance on XX/XX/20. I phoned the company customer service number XXXX XXXX XXXX to inquire how much do I owe to close this debt? The representative informed me that the amount on the statement if paid in full prior to the due date XXXX XX/XX/20 XXXX, I would not owe any additional money on this account. 
XX/XX/XXXX, I paid the balance of {$19000.00} in full. On XX/XX/XXXX I revisited their online statement for my account which showed " XXXX '' balance and no payment due. 

XX/XX/XXXX, I received an Online Credit Statement indicating I owe {$130.00}? 
The statement they sent out list Previous balance paid in full, other credits and purchases XXXX, other debts XXXX, fees charged XXXX followed by interest charge {$130.00}. 
When I asked how do I owe interest on a XXXX balance, they said you are paying the interest of the original amount and I had to pay it and I will receive penalties if I do not. 
This is unfair practice when a consumer pays off a debt, than this company decides to add an additional fee, that will never go away.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-28 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: TN

Complaint narrative:
Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: TN

Complaint narrative:
Since 2010, I have battled the credit bureaus to remove or correct statutorily expired accounts, incorrect information, or to remove personal data that I do not want on my credit report. Routinely, these agencies have failed to consistently monitor and correct my report as is required by the Fair Credit Reporting Act. 

This complaint is a continuing attempt to hold the credit bureaus to the law. Not following the consumer protection laws, such as the FCRA, causes unnecessary hardships, and lost time on problems that these agencies are responsible to resolve as part of their mandate as consumer credit bureaus. 

Specifically, I have two complaints : 1. Student loans that have long since expired ( over six years old ), are still listed on my account ; and some of these loans, still show balances. None, are active or have balances. And, even if they did, if they're over six years old, should be removed from my credit report. 

2. Personal information that should not be shown on my credit report. Including : a. date of birth b, addresses c. phone number ( s ) The only personal information that should show on my credit report include : 1. my name 2. mailing address : XXXX XXXX XXXX, XXXX, TN XXXX. Or, XXXX XXXX XXXX XXXX XXXX, # XXXX, XXXX, TN XXXX. 

Hence, I am requesting the afore listed changes be made immediately.

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 2020-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: KEYCORP
State: NJ

Complaint narrative:
I went to buy an new car XXXX XXXX  XXXX XXXX  from XXXX XXXX. I got the loan through key. It was an very busy holiday weekend. The sales rep XXXX had humus sitting around until 5 minutes before close of business. Was there for over 6 hours waiting. She made me go fill the car with gas. 
The next day I notice the car windshield was full of scratches. I left many message no respond. 
In the never got the plates in or the information about the loan. I called the Financial women many times no response. Decided to drive down there they give some number to call XXXX. That only for personal banking. Finally get the XXXX the Financial manager. She called the Vice President of the bank. He said we stopping auto loans in XX/XX/2020 we did away with the department. When I call I get some odd answers or no help at all. 
They way the bank is treating me is odd. It seems that that they treating me like I have had credit and got and an very high interest rate. They told I have to XXXX to pay for my car in person. I live in NJ and Im driving three hours one way to go make an car payment monthly. They also, told my checks are invalid. 
I had an nice women call from the bank she said to me something not right so, calling to get information from you. I told have gotten an statement and the contract doesnt say where make an payment to or an phone number or an loan number. She was going pull up the document She asked was my company hand written? I said no. It is an carbon copy that typed. She said that could he the problem. It this loan is void or not. She said was calling the dealership and to find out what happen. 
Fast forward did some research of my own. I learned in key website you have live in certain state to get an auto loan through key. NJ is not on the list for that. 
I did more research and learned not taking my check they think Im high risk and that why want to pay in person. 
Well, that clued me and realized I had an problem with M and T bank and reported reported me to XXXX. It was an mistake at the bank on XXXX, No. the Bank had it removed From XXXX. I found it wasnt removed. There an problem at XXXX. I tired calling but just telling to put in an dispute against the bank. The problem is that XXXX  did not remove it. I called the bank and on there end was removed XX/XX/2020. I asked them what I do with the loan. Guy just kept on repeating himself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: CT

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-28 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NJ

Complaint narrative:
In XXXX my husband applied for a modification through the hamp program, he was approved for the modification, even though PHH, is dening he was approved ( i have the original paper work ). as part of the modification agreement Ocwen ( this was the mortgage at that time ), we were suppose to receive a credit towards the mortgage every month for 5 years of {$83.00} or 1/2 off the mortgage, whichever 2 were the lesser, we were also to receive a {$60000.00} forgiveness off the total mortgage of the loan, we did finally received the forgiveness money, after I inquired about it. my husband passed away in XXXX, and after going through some of the paperwork, I realized some the incentives were never done, so after the PHH the incentive of {$60000.00} was given ( I have the payment history statements from XXXX-XXXX ). but he issue still remains with the {$83.00} a month incentive was never give. PHH complaint is that we were late om our mortgage payments, which is not true, so we were not entitled to the incentive, if this true we would never received the {$60000.00} incentive ( this was done in 3 equal payments ) .I have on several occassions wrote to the research department about this issue, and have been denied each time, so if I can not get this matter resolved through this complaint department, then i will have to seek an attorney, please be aware that I am now the owner of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MiraMed Revenue Group LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) failed failed to bill my health insurance for a boot and crutches ( " medical supplies '' ) I received ; instead, XXXX erroneously billed my hearing insurance for TWO clinic appointments. Under my health insurance, XXXX, medical supplies are fully covered, requiring no payment from me. However, because XXXX failed to submit the charges correctly, they are now trying to collect the debt from me. XXXX has admitted that the charges resulted from XXXX XXXX own billing error. Rather than taking action to correct its error, XXXX has continued to pursue collection efforts against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: AES/PHEAA
State: MN

Complaint narrative:
I got a notice on my XXXX XXXX on XX/XX/2020 of a late payment on a closed STUDENT LOAN account in which is no longer reporting on my XXXX credit REPORT because it has been REMOVED. This has caused my credit to go down 30 points. How can this account still be reporting payment history when it is closed and has been transferred to another company. REMOVE THIS ACCOUNT from my credit REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28 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: NY

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REOPRTING ON MY CREDIT REPOTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIONGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INTIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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