vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-28 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: Navient Solutions, LLC.
State: PA

Complaint narrative:
There are 3 accounts on my credit file being reported by Navient # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX reports 60 days XX/XX/XXXX XXXX reports XX/XX/XXXX XXXX reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation.

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file.

XXXX  v XXXX XXXX, XXXX provides a cause of action for individuals against furnishers of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2016 I recieved an unlawful detainer it was for a no money judgement it was only for posession of the property. That being said the property was recieved on XX/XX/2016. This matter is still showing up on my credit report even though there is no debt amount i have exausted all measures to try and dispute it with the credit beauro and the credit reporting agency i have also reached out for legal help and no one is able to resolve this issue. The legal aid i did reach out to does not understand why it is showing up on my credit report at all seeing as there is no debt amount. This matter is preventing me from getting housing and i am currently homless

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 2018-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MI

Complaint narrative:
Complaint is on Money Gram service, where I tried to send {$1100.00} to my sister due to an emergency. I used my charge card and the transaction is pending, and Money Gram notified me that the money was ready for pick up. When my sister, XXXX XXXX tried to pick up the money, she was told to have me call Money Gram. They transferred me on the phone, around and around until I finally got someone to say that they were cancelling the transaction, due to suspicious circumstances, whatever that means. I gave them all my information, including my license number to no avail. Each person I was transferred to was more and more frustrating to deal with. Eventually I used another service agency with no problems at all. The problem that I have now is that they cancelled the transfer, yet did not reverse the transfer with my charge company, so the transfer still shows pending, and I have my available money with my visa held up in this pending situation. All of the details are on the attachment enclosed. I will never be using this company again. Although I have used this company many times in the past, never have I had such a problem, with them offering no real reason for what they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There are 3 accounts on my credit file being reported by XXXX  # XXXX the date of 1st delinquecy is being reported differently across the 3 credit bureaus XXXX   reports 60 days XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports 30 days XX/XX/XXXX Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ) and 16 CFR 660.4,, you have the duty to review all of the information I have provided to you, to complete your investigation of this Direct Dispute within 30-days of my Notice of Direct Dispute, and report directly back to me the results of your investigation within 5-days of your completion of your investigation. 

Should you find the disputed information to be inaccurate or incomplete, or if you can not verify the accuracy or completeness of the disputed information, you are additionally required, under FCRA 623 ( ( 1 ) ( E ), to also promptly notify the credit reporting agencies of deletion of this information from my credit file. 

XXXX v XXXX XXXX, XX/XX/XXXX provides a cause of action for individuals against furnishers of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIZENS FINANCIAL GROUP, INC.
State: IA

Complaint narrative:
Company reported me 30d late when I was not. My XXXX report indicates the delinquency on the month of XX/XX/XXXX reporting which indicates that the XX/XX/XXXX payment was delinquent ( due to 1 month in arrears reporting ). I made my payment, which was drafted from my bank account on XX/XX/XXXX. I attempted to dispute the delinquency of both XX/XX/XXXX and XX/XX/2018. The company sent me a generic letter advising that they were reporting accurately. THE LETTER GAVE ZERO DETAILS. what month did they research. What was the date of payment receipt? Date of phone pay? I reiterate that I was told by the representative whom confirmed with their manager that I would not be reported delinquent on either my XX/XX/XXXX or XX/XX/XXXX payment ( not sure now that the report is saying XX/XX/XXXX late ) There is recording of my conversation and my multiple reassurances that there wouldn't be any negative reporting when I spoke to them in XX/XX/XXXX. I also believe that they took an alternative ( manager approved exception ) payment method of credit card as opposed to their standard check/bank account transaction. 

Responsible Servicing- inaccurate information provided multiple times which caused me financial harm FCRA- previous response did not address specific items disputed, credit report was not suppressed for 60d after the dispute, & request for the CBR research department to remove the XB dispute notation not fulfilled ( on recorded call when I initiated the CBR dispute )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX an unauthorized person made a total of 4 withdraws and took the sum of XXXX dollars from our account with Bank of America. We contacted Bank of America and submitted a claim that this withdraw was unauthorized and that our account had been compromised. After notifying Bank of America of the incident they denied our claim filed on or around XX/XX/2018 and closed the claim on XX/XX/18. We then Submitted a rebuttal to Bank of America on XX/XX/2018 stating our objections and questions as to why they denied our claim and requested that they provide us with evidence to show their cause for the decision they made and to refund our account with the monies we lost.

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 2018-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
To whom it may concern : COMMONWEALTH FINANCE with an address of XXXX XXXX XXXX XXXX, PA XXXX is trying to collect in the state of TEXAS where they legally do not have the right to do so at this time according to : Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

source : XXXX XXXX XXXX I would like to report that the 3 surety bonds they did obtain, were canceled in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and that they are currently in violation as they have been trying to collect on 3 accounts for myself since XX/XX/XXXX, ( 5 months ).

Furthermore, I would like the following accounts deleted and removed from my credit report on all 3 bureaus.

XXXX XXXX XXXX - {$1200.00} XXXX XXXX XXXX - {$360.00} XXXX XXXX XXXX - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Guglielmo and Associates
State: AZ

Complaint narrative:
XX/XX/XXXX I was notified by the XXXX XXXX XXXX  courts and Guglielmo & Associates that my wages are going to be garnished through my employer. On XX/XX/XXXX Guglielmo & Associates and XXXX XXXX XXXX Courts sent a letter of garnishment starting XX/XX/XXXX. Garnishments were taking out of my pay from my employer of {$510.00} totaling {$1200.00}. all payments were made.

Guglielmo & Associates and XXXX XXXXt XXXX  Courts sent another notification of yet more garnishment of {$240.00} and again on XX/XX/XXXXfor {$240.00}.

I contacted Guglielmo & Associates and the stated that they never received the money from my garnishment.

When looking into my credit report the debt is still listing on my record as unpaid resulting in a low credit score and causing any loan at a higher rate due to this old debt.

My employer contacted XXXX  who handles our payroll and they have copies of the cashed checks proof that Guglielmo & Associates cared the check and never informed XXXX XXXX and creditor, credit one that the payment was made. Im still receiving the upsetting legal notices from Guglielmo & Associates and XXXX XXXX XXXX and my credit score is still being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
They constantly call asking for XXXX XXXX, I have told them for years that this is not her number anymore and they still call. This one today was from TRANS WORLD SYSTEMS calling from XXXX. They change their number frequently so I cant block them. I am not the person they are seeking and I have no idea who she is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I cosigned for a car XX/XX/XXXX from Santander Consumer USA. I found out the person who I cosigned the car for wasn't paying the note so I put the car up for voluntary repossession approximately XX/XX/XXXX. The person ended up skipping town with the car and on XX/XX/XXXX he was arrested for XXXX XXXX XXXX in New Mexico. The crime happened in XXXX, Arizona so the car and the young man were transferred there.  The car was involved in the crime thats why they took the car as well. I've been in constant contact with Santander to try and get this issue resolved. I've also been in contact with the XXXX  County police department in regards to the car. They had told me they couldn't release the car until the trial was over. The trial ended sometime in XX/XX/XXXX and I was able to get the location of the car and a case number for Santander to pick it up. I also spoke with the detective who has been waiting for Santander to pick it up. During these past few years Santander has not sent me any mail regarding the car, no bills nothing. Ive had someone work on my credit and Santander was supposed to send a letter back within thirty days and I never got anything from them. I get no type of communication from them. I called Santander today just to get my account number. They explained to me they have been trying to get in touch with the officer who has the car and that they had been calling him when I asked when they called they hung up on me ( XX/XX/XXXX). I I had told them once they get the car back we could work out something because im trying to buy a home and this is the only thing stopping me. in the year XX/XX/XXXX they reported me late on this car payment three times which makes no sense because it hasnt been paid at all. It should be late 12 months. Im trying my hardest with them but I never get anywhere. They dont seem to want to pick up the car and they dont seem to want to communicate with me about it.  The situation is pretty unfair and im trying to resolve it but i keep coming up short with these people. I have no documentation except police reports and a few bills from when I first got the car but other than that they have not sent out any correspondence in regards to the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: IL

Complaint narrative:
I have paid over {$4000.00} in overdraft fees in 2018 thus far. Although many have been my fault many times the bank will put a check through that causes my account to go negative and they will charge me fees for purchases I have made while my account was still in good standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
i purchased a XXXX XXXX XXXX from XXXX XXXX and got the vehicle financed through santander corporation. all through the duration of my auto loan i was assessed all sorts of fees monthly from the start of this loan until i was able to getting credit from another lender. my vehicle was re-posessed and pulled in by company and i had to pay an astonomical amount of money in fees to get my car back. i constantly was on the phone with santnader trying to understand where all the excess fees were being billed to me and no matter how and when i made my monthly agreed upon payments, i was always asessed all the extra fees. i tried escalationg to a manager to no avail. i wrote letters and made weekly phone calls trying to get my account current. santander is an unreputable company and with questionable practices of blling, fees and no customer service. Please make a call to their this company yourself and see the response that you get.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been told by US Bank that my account is pending closure and that my direct deposits will not be available to me until XX/XX/2019. I explained to the bank manager that my direct deposits are used to pay my financial bills, so immediate access to my funds was necessary to avoid late charges and utilities stopping services.

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 2018-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
I sent XXXX XXXX XXXX a request to validate debt. Today I received a letter back, but from XXXX XXXX XXXX sending just a copy of an old XXXX XXXX bill as validation. I also requested the information regarding who owned the debt ( no answer ), to provide a copy of their agreement with the original creditor ( no copy ), all statements for the account while it was open ( none sent ), I feel they did not provide sufficient validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I logged into my XXXX XXXX. And its been forever. And i see there is chase bank credit card in my name saying its paid. I never had no chase. ACCOUNT no card nothing i want to put a freeze on my credit. I feel they are still using my credit line!!! Please contact me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
This company called threatening to arrest me and that they would garnish my wages on XX/XX/2018. Ms. XXXX stated that I owed a loan agency {$3000.00} and explained that she knows it is excessive but she wouldn't be able to do anything about that. She asked me for my credit card number and if I refused they would go forward with pressing charges and to garnish wages. I let her know that I did not have any income at the time. She called me the next week on XX/XX/2018 asking for me to call her back. On XX/XX/2018 at XXXX she called asking for me to give her my credit card info. I explained to her that I have not received proper notification regarding this situation. She explain she did not have my address and asked for me to give it to her. I again declined and let her know that if she did not have that information there would be no way she could press charges on me or garnish my wages, She then became irate and told me she would call my employer and start the garnishing process then disconnected the line. She called again at XXXX  on XX/XX/2018. I asked her to stop calling me she in returned screamed stating that she spoke to my employer by the name of " XXXX  '' ( never once said my employers name ) I continued to tell her to please do not contact me this was beginning to be harassment she continued ranting and screaming with threats then again disconnected the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have tried calling multiple numbers at Experian without avail. The phone tree menu narrows until you have run out of options, or they direct you online. I can't even reach a human in their billing department. 

I noticed this month that Experian double charged my account {$25.00}. I reviewed prior months statements, and noticed this has been going on for months and months. 

It is literally impossible to reach a human at this company. 

I have emailed them at XXXX. I'm currently on hold for over 30 minutes just to try to reach customer service!

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 2018-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: RateGenius Loan Services Inc
State: MT

Complaint narrative:
Hi, i am in the process of trying to refinance my auto loan. i currently have a loan with XXXX XXXX and i noticed that on my XXXX XXXX account they list my loan and showed that they thought i could get a better rate if i refinanced. the XXXX XXXX  site showed several loan refinancing provider options. the first option they showed me was the lowest rate and monthly payment through a company called Rate Genius. i currently pay XXXX per month on a loan with 9.5 % interest. the Rate genius site offered me a loan at 6 % with a monthly payment of XXXX dollars, so naturally i went with that. i went to the site and filled out the application and i got an email back saying i had been approved and would be contacted by a representative. the next day i got an email from a company rep that again said i had been approved, but when i looked at the loan details, it was for a loan with 7.7 % interest, for 66 months, and a XXXX monthly payment. i wrote back saying that this was not the loan RateGenius said i was approved for and that i want the original loan i was approved for. they now have written me back again trying to get me to accept this not so great loan. it seems to me that maybe they are offering loans that people qualify for but then trying to switch the loan details to maximize their profit by trying to get people to accept loan offers that are not as good as they qualify for. even they are just offering me a revised loan based on my qualifications, the fact still remains that they led me to believe i was approved for a specific loan being offered and then tried to get me to accept a different loan. it seems pretty deceptive and kind of seems like false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28 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: MO

Complaint narrative:
On my report via XXXX XXXX XXXX whereas I'm an authorized user the remarks says consumer disputes, reinvestigation in process, please remove remark, I did not dispute this account, XXXX XXXX XXXX, open XX/XX/2001, balance XXXX. Please remove remark.

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