vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: WA

Complaint narrative:
M & T Bank is the servicer for a VA  Loan I have for a property located at XXXX XXXX XXXX ; XXXX XXXX, MN XXXX. They assumed this mortgage from XXXX XXXX and have been generally horrible, especially for escrow   related issues. They performed an escrow analysis shortly after assuming this mortgage upon my request, which found a deficit and they subsequently raised my minimum monthly payment, BUT they have refused all of my attempts to try to pay this deficit to try to reduce this payment amount again. I literally sent them {$300.00}, which essentially is the amount of the deficit to try to get them to reverse the payment increase and after being on a phone call today for over 2 hours, and it being escalated all the way from a general employee, to a supervisor, to a manager, I was told there was nothing they could to because their policy does not ever permit customers ( including VA Loan customers ) to pay the amount of a deficit. I am so angry about this policy because XXXX XXXX never did this. Also, M & T Bank actually told me on phone calls on XX/XX/XXXX and XX/XX/XXXX that they they would get it done. I was concerned that I had not received the new analysis and so I called again today and was told that there was nothing they could do. 

I separately contacted the SCRA division of M & T Bank to try to get their help and they refused to do anything. Please make them stop doing this practice. 

A secondary issue is also that they make it very difficult to set up automatic payments to have the mortgage pay early. This is a huge problem for veterans  and their dependents because they can be out of the country on XXXX and so they are taught that it is important to try to be early on your mortgage just to avoid any problems. I have tried so hard to do that with them, and I think it is now in the process of being resolved. First I was told that it was not possible, then I was sent a form to try to make it possible, then I was told that the form was actually the wrong form that I filled out and that a new form would be sent. All of this is extremely antiquated and unacceptable, because it should be something that can easily be done via the website or over the phone like XXXX XXXX would do. Honestly, I think M & T Bank 's ability to assume VA Loan 's should be blocked until they can show that they have the ability to treat veterans and their families properly like other banks already do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NE

Complaint narrative:
Account:XXXX XXXX XXXX XXXX XXXX  or XXXX, When I signed on Ionly wanted basic .For XXXX a month. I wrote on the bill it was not to go any higher.Through the years (? dont know how many ) I ordered pay preveiew movies. Lets say I had XXXX  for six yrs, I might have ordered 7 movies. Now since the beginnig I got the DVR recorder but my contract prohibited me ffrom recording. for the past two or three yrs I paid them XXXX. $ a month. Look at the record of my history. So they HAVE recovered any money. Besides this, when the tech came to get theDVR he said it should be cleared up because alot of times all they care about is getting the unit back. 
XXXX now has this acc. turned over to Sunrise Credit Services for some reason SCS acc. # XXXX Thanks XXXX. 
I will not pay them. If I should show my bank acc., I will.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
TD BANK USA/TARGETCRED is the creditor Ive been having issues with. There is a 30 day late pay that stems back from XX/XX/XXXX that is the cause of my complaint. I have had my account with them on autopay since my account begain in XX/XX/XXXX. Target says there was an issue with my autopay account yet my account has not changed since I first opened the card. I was told my autopay didnt go through yet I received no notification on that and to this day I have been using the same form of payment for auto pay. I have been contacting Target for 3 years no with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: MO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi decided to closed my account AGAIN today XX/XX/2019, it happened twice in 2 months already that they decided to closed my account. the first time it was an error but they had my account and my money hold for 2 weeks and reopened them again after 2 weeks and today they decided to closed my account again due to my relationship with citi. they told me because there's return check, but I had double checked with citi, every check i saved into my citi checking or saving account it never got return, the only return checked fee citi costs from my saving which it's there are multiple unauthorized transaction XXXX was trying to charged me off from my saving but it's because my saving account don't have enough funds to cover it so citi keep charged me a return check fee everytime XXXX unauthorized charge me the money off from my saving and second, yesterday I opened another saving account with citi but I didn't pay attention that I accidentally opened the same saving account with citi and i was about to called customer service but they were closed already and when i am ready to called them this morning i figured out that they are decided to closde my both checking and saving.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZenResolve, LLC
State: IN

Complaint narrative:
Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target out in XXXX XXXX someone charge my car out there charge {$1100.00} in my name Target trying to put the charge on me my information was hacked I am not paying for a XXXX. I'm going to fight this and make the world knows

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Dear Team, I have received lot of pre approved/ pre selected offers from below companies in Mail over Last 2 years. but when i applied to them i was denied and it caused me accumulating Inquiries on my Credit report. 

- OneMain Financial XXXXXXXX  XXXX XXXX XXXX- - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX with a third party company called " XXXX XXXX XXXX ''. He stated that I owed a debt in the amount of {$710.00} ( original debt amount was {$500.00} ). This was a debt to the original creditor of " Bank of America '' from XXXX. This is the first time I have ever been contacted regarding this debt. They verified that they had my correct SSN, however this was never reported on my credit. I have updated my contact information with the credit bureau 's with every move. During this call they did not update any of my current information but stated that I either pay or face a civil court judgement due to refusal to comply. XXXX also stated that if I refused I would be ordered to pay three times the amount of the debt. They also contacted my family advising that legal papers were being filed against me tomorrow at my residence. I am concerned about the legal action and this reporting to my credit after 12 years. I am also uneasy that they are contacting my family and stating that there are legal proceedings against me. I have not acknowledged the debt, made any payment or arrangements and have not updated any of my personal information with this company. There are no previous judgements or collection efforts ever made to my knowledge and I think that this is unfair and very stressful. I believe that the statute of limitations on collection of any amount allegedly owed has expired and these efforts to obtain this debt are not appropriate. I asked XXXX to provide me with any type of documents to validate this debt and he stated that the only thing he had to validate the debt was my personal information and contact information from 12 years ago. Please help me resolve this issue to prevent negative impact on both my credit and personal life and finances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CA

Complaint narrative:
It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called XXXX  and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: CA

Complaint narrative:
It has been nine ( 9 ) years since I had disputes with creditors. All negatives at this point should be removed. I called Experian and spoke to a representative. I asked him if all negatives have been removed from my credit report. He said no it takes ten years. I told him that is incorrect. It is seven years. I confirmed that with the Federal Trade Commission. That is hurtful to consumers, please remove all negatives from my Credit Report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: GA

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX Sallie Mae are calling people outside of who I listed on my loan, giving out personal information regarding my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
We put a security freeze on all three credit bureaus XX/XX/XXXX. Today, XX/XX/XXXX, I tried to unfreeze our credit with Experian so that we could co-sign for our son to get an apartment. I had all the original information with the PIN that I originally created. After clicking on " Remove or lift a security freeze '' and entering my PIN, it said that the information was wrong and I could go no further. I tried both my husband 's and my PIN. It is just about impossible to talk to a real person. After calling every Experian number I could find, I finally spoke with XXXX in Client Support Dept and she put me on hold for five minutes. I spoke with XXXX and she said I had to get another number by clicking on " Retrieve my PIN ''. She said she would mail me a PIN that I could give to the apartment management company but it was much faster to do it online. I told her I would try again online and she said she was mailing the PIN to me. I tried the " Retrieve my PIN '', and entered my information and that wouldn't go through either. My son is probably going to miss out on this apartment and may lose his application fee because we have to wait on Experian to mail us a PIN. I'm not confident that the new PIN that we are to give to the apartment manager will work either. Experian advertises that it is so easy to unfreeze your credit when needed as long as you have your PIN. This is not true because I saved my PIN and all the original information from when I first froze our credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
Illegal interest rate being charged/collected. Bulk of original pricipal paid before being send to collections. 

At collections at XXXX - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX Original creditor acct - XXXX XXXX XXXX Acct - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
The servicer of my loan is Specialized Loan Servicing LLC. I have been trying to get a loan modification from SLS since XX/XX/XXXX. SLS denied our application outright. On XX/XX/XXXX, SLS recorded a Notice of Default. I applied again for a loan modification with updated income information. 
On XX/XX/XXXX, SLS offered me a loan modification at 9.45 % interest with payments of {$2100.00} a month. This is a second loan on top of my first loan, so there is no way I can make these payments. On XX/XX/XXXX, I sent SLS a letter saying the payments they proposed were impossible, but I could make payments of around {$500.00} a month. I have not heard back from them. I am worried they are going to foreclose on my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Financial Services reported that I was 30 days late on my credit card to the credit bureaus. We only discovered this late report approximately a month ago when applying for a loan for a new home. In the last few weeks we have spoken with USAA 5 times on the phone including most recently today for over one hour. On every single phone call we've had with them they state that it was an error on their part and that they'll fix the error. Last week they mailed out a statement letting us know that they found no issue with their reporting and that we should file an appeal in order to correct this issue. Today, as previously mentioned they were extremely apologetic but said that we should be fixing their reporting issues with the credit bureaus rather than them. We are extremely frustrated with this issue. Their negative reporting is going to cost our family thousands of dollars a year in interest costs on our new mortgage as a result of their negligence in reporting and incompetence in fixing the issue. Unfortunately, the 3 times we've had them tell us we'd get a statement in writing that they were incorrect in their reporting they've failed to produce one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Dear Team, I have received lot of pre approved/ pre selected offers from below companies in email from Experian. but when i applied to them i was denied and it caused me accumulating Inquiries on my report -XXXX XXXX ( Secured Credit Card ) - XXXX XXXX Dear Team , I  had a credit Card with XXXX XXXX for which i was Late for XXXX  payment in about 2 years they closed my account and Marked my account for Late Payment when i was out of country. which badly hurt my Credit Report. i request XXXX XXXX  to remove the Late Payment as it was not deliberately done. the Customer service representatives from XXXX XXXX put me on run around for couple of months and asked me to apply for new account etc which caused me to add Hard inquiries on my account. 

- XXXX XXXX Credit Card

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Despite asking on a recorded line and then having them write they would stop, American Express has continued to call my work jeopardizing my job. I have filed this before and they sent a letter in my last complaint stating that this would stop however it has gotten worse and they are now even calling when the payment is not even due yet. They continue to call us on a recorded line so each of these outreaches are recorded and records have been kept of the outreaches. I have also used this site before and they responded stating it would not happen again. It is blatant harassment at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX U.S. Bank took an automatic draft from our checking account ( no longer with U.S. Bank ). We did not receive any text or email alerts stating they were taking this amount. On our bank statement it shows an automatic payment of {$580.00} was withdrawn. It stated it was for a credit card ending with XXXX, In checking we found that we don't have a credit card with U.S. Bank that has that ending number of XXXX nor have we ever signed an automatic withdrawal authorization. withdrawal on XX/XX/XXXX and stated it was a credit card ending in XXXX. It was withdrawn from our new account XXXX XXXX ( Florida ). When we moved from XXXX  to XXXX  and closed our U.S. Bank account we experienced numerous overdraft fees etc. This new error of {$580.00} has put us in great financial stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear Team, I was out of country when my 1 payment was Late and XXXX XXXX Credit card reported a Late payment on my account and closed my account without informing me. which i found out couple of weeks Later. kindly remove my Late payment reported and open the closed account. thank you

Company response to consumer: Closed with explanation