vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I sent a letter to TransUnion requesting that they delete the duplicate inquiries on my credit report. I explained that under the provisions of the fair Credit Reporting Act 15 USC Section 1681i they must reinvestigate and delete the disputed Items. The told me that I have to contact the creditors that made the inquiry and have them write a letter of deletion. I went to the creditors and they explain to me because I am not a customer of theirs that they will not write the letter. I explain this to TransUnion and also mentioned again the Fair Credit Reporting Act and they told me that they would not delete the duplicate items. So now I am bringing the complaint to the CFPB.

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 2017-04-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
SOLD MY HOME XX/XX/2016, PAID OFF XXXX AND XXXX EQUITY LINE OF CREDIT. TRANS UNION CONTINUES TO INCORRECTLY REPORT A $ XXXX + BALANCE ON MY CREDIT REPORT. FILED A DISPUTE THROUGH XXXX XX/XX/2016, TRANS UNION IGNORED IT. XXXX LAST REPORT, PAY OFF DOCS, TO THEM WAS XX/XX/2016. STILL SHOWS ON MY CREDIT REPORT & HAS AFFECTED THE COST OF CAR INSURANCE AND OBTAINING A NEW MORTGAGE. PROOF OF PAYOFF UPLOADED HEREIN. TRANS UNION UTILIZED FOREIGN CUSTOMER SERVICE. I WANT THIS CORRECTED ASAP. 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 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This company XXXX is reporting on my transunion in collections and I spoke with XXXX, this is an broken lease or owed money to a rent office or something of that matter the address on this is never been an address of mines so I disputed it once I found out. Transunion claimed to have verified it, however they did not prove it with any of my correct information this is not my account and never has been. Transunion had 30 days to prove it and they only said that it is valid. They did n't provide or have any proof. This is why I have fraud alert on my credit files

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 2017-04-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Penn Credit Corporation
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a debt from XX/XX/2013. It is not my debt. The original creditor refuses to furnish written proof that it 's my account. They have stated that all correspondences were returned, but Penn Credit is saying no mail was returned. I was never contacted regarding this debt before it was placed on my credit report. Other bureaus have removed the account XXXX refuses to remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
The complain is for an non-authorized credit card payment on XXXX of {$1700.00}. 

At the end of XX/XX/XXXX I called XXXX to see how much money I needed to pay, in order to pay off an old purchase I had with them under special financing ( 1 year without interest ). On my conversation with their agent I was told I had to pay {$550.00} in order to avoid paying interest for my purchase. The agent himself suggested to make this payment online ( web system ) as it is usually faster ; then he asked me based on their standard procedure if I wanted to make that payment of {$550.00} over the phone that I clearly rejected. 

I proceeded to an online payment of {$550.00} ; few days later I noticed that XXXX not only charged me the {$550.00} as expected, but on top of that they had another transaction of {$1700.00} ( not authorized ). The irrational of the story is that I paid in total more than my overall balance, leaving with me with an extra {$500.00} credit! 

I called them and reported the non-authorized transaction ; they were able to see that I did the {$550.00} online and said that the {$1700.00} were authorized over the phone. They also saw the irrationality on the payments ( paying more than I owe ), but they said they need 5-10 business days to return my funds. 

Then I called my bank ( XXXX ) trying to straight this out, as I did n't had these money and i was left with a negative balance ; my bank said that they payment will be rejected as I did n't have enough money on the account ; this happend and I was able to see the transaction cancelled. Few days later though XXXX charged me again the {$1700.00} which are now taken off my bank account. In continue to my conversations with XXXX, they said they will need again 5-10 business days to resolve this and there was nothing they could do to speed up the process, even if they realize that I did not authorized the payment! When I asked them to listen to my conversation over the phone that is supposed to have the authorization, they claimed that I need a court order for that. 

The outcome of the whole story is that they can charge people uncontrolled, and even if they admit to be wrong, they will still refund in irrational time-frames ( half a month ). I think this is unethical and suspicious ; I strongly believe that it is illegal to take someone 's money without an authorization and on top of that use those money up to 15 days without offering at least a compensation for their own mistakes.

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 monetary relief
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
So I signed up for the care credit account when my dog required XXXX, the amount was roughly XXXX. I set the account up for automatic withdrawal and after 2 yrs thought I must be done. I called synchronity put in my social and the message informed me my account was paid and up to date. I then cancelled the automatic withdrawal from my account. Within a few weeks I was sent a letter my account was overdue, I called and spoke with a representative who informed me that after 2 years of payments, I actually owe XXXX more than the original because I did not pay in time. What?????? OK so how will you work with me for payments considering that is unjustified. We will not, I refused to pay and now I 'm receiving collection letters. Help please unfair and unjust!!!!!!

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 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Solutions
State: IL

Complaint narrative:
Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global, that 's it ''. They stated they owned the dept and called XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capitol Credit Services, Inc
State: OR

Complaint narrative:
I would like to pay debt owed. I ca n't find contact information to send payment. I would like to pay all collections owed. How do I pay, contact me @ XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
Received a collection notice from American Medical Collection Agency regarding a bill from XXXX XXXX. We are unfamiliar with this bill and reviewing out records we have never received a statement from XXXX XXXX regarding this account. We contacted XXXX XXXX but they have no record of this account or the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO RECOVERY ACCOUNT NUMBERs : XXXX and XXXX and XXXX FAX NUMBER : XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO RECOVERY XXXX and XXXX and XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # *********** DOB XXXX/XXXX CURRENT ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
The tv stop working and they would not give us a new one

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: MANN FINANCIAL INC.
State: CA

Complaint narrative:
Broker, after getting my paperwork, told me the loan was doable. He then completely went dark. When I would ask him, he would say he is waiting for the underwriting department to give him an answer. This continued for 10 days until it was too late for me to close on time. I still do not have an answer from the underwriting department and at this stage, I would not be able to get a loan for the house my family fell in love with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore, this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).

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 2017-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Diversified Recovery Services Inc.
State: TN

Complaint narrative:
I recently obtained a copy of my credit report and noticed a collection account from Diversified Recovery Service and I have no idea what it is.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I contacted XXXX concerning a Judgement that was placed on my credit profile. Upon doing so, I requested the letter informing of a lawsuit, Service letter, Date of first delinquency, the debt collector l number and bond number. They have very limited information and XXXX who was the person assisting me was very limited on information and was not willing to disclosed certain information.

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 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: OH

Complaint narrative:
As with most creditors, Sallie Mae pushes to promote paperless billing. Their online solution to manage payment is particularly frustrating as it provides little useful information and makes it difficult to understand how much you owe for a given pay period. The " due balance '' only relates to what is due that day, so shows {$0.00} until your payment is due, meaning once you respond to this you payment is late. Any reputable creditor shows what is due for your next payment and provides easy access to your statements. 

I believe the Sallie Mae method of operation is knowingly unclear with the intention of confusing customers to be forced to pay late charges which exceed the normal monthly finance charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA
State: WV

Complaint narrative:
Fedloan servicing reported XXXX of my unsubsidized loans as " paid in full '' and removed them from my credit report following a loan payoff. Recently, they " reopened '' them with a balance of several cents and put them into " repayment '' status, with no explanation. I am currently in school full time. They have not responded to my inquiry. I wish to have these loans closed again since they were paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: PA

Complaint narrative:
We got into a XXXX loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. 
They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS.

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 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Business Bureau
State: IL

Complaint narrative:
This company is continuing to report this debt negatively. The account was paid to the original creditor by my insurance company. There has been no verification to me regarding this debt. They have not provided any documentation to reflect what the services are that they allege were not covered by my insurance. The only information they have provided is a balance and the creditor, I do n't have an account number for this creditor. I do not have an account with this creditor and I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: United Recovery Worldwide LLC
State: CA

Complaint narrative:
United Recovery Systems called my land line at XXXX on Wednesday XX/XX/2017 looking for a XXXX XXXX. I told them that he did not live at this residents and I did make the mistake of telling the collection agent that he is my father. At this time the agent try get me to take their information down and I refused twice. I then told the agent what they were doing was unlawful and the need to contact XXXX about his debt and not me. The agent 's reply was that he had left my land line number as an alternative contact number. I then informed said agent that I have only had the number a little over a week and not even XXXX has the number. At this point the call ended.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: GENERAL BUSINESS RECOVERIES, INC.
State: AZ

Complaint narrative:
I have a debt collector that has called my place of business, and threatened to call my HR department to get inforamtion about me. It is against my company policy for these typoes of calls to happen. I told her to not to call my p [ lace of business again, and hung up. She continues to harass me and I need for this to stop..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group
State: GA

Complaint narrative:
The company had what they called " locators '' call me non stop, these people demanded personal information such as address. They told me that if I did not call a certain number, they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans, they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card, so when they went to process the second debit, it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this, The exact words were " Good Luck '' They have called my job, and harassed my boss over this XXXX. This ca n't be legal!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: MD

Complaint narrative:
Seterus has kept providing more and more roadblocks to me being able to call in and do business with them. Now, they will not speak with me and will only transfer me to a XXXX. I do not have a call back phone number and XXXX has never answered her phone when I 've called or been transferred to her. 

In addition, a supervisor named XXXX said that she intends on locking down my account so that I ca n't call in and make payments anymore. She said it 's because I filed a CFPB complaint against their company, which I do n't believe retaliatory behavior is lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I had XXXX hard inquiries on my credit report that were not authorized by me. I had similar inquiries on my XXXX report, ended up filing a police report, and those inquiries were purged. After that process, I checked my Equifax report, noted similar inquiries and filed a dispute. Equifax claims to have mailed the results on two of those disputes, but I never received any correspondence by mail. The other dispute is showing as " open '' with an expected resolution of XXXX. It 's now a month later, and all XXXX incorrect entries are still on my report.

Company response to consumer: Closed with explanation