vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
The account was opened on XX/XX/2012. The debt collector states that i owe {$150.00}. I do not owe this debt. This has caused a negative mark on my report.I tried to contact the company numerous times to show me proof but no replies. Please remove this account immediately.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The problem is with CRA TransUnion For a long time, they were not updating a credit card I use primarily ( XXXX XXXX card ). I complained that they should update, so instead they just wiped out the reporting of the card altogether. 

I got tired of them not reporting my use/payment history of this primarily used card, so I went to their dispute center to tell them to put the card back on my record and properly update it, and I never got past one part of the reporting process. It just provided no form to enter the request. I thought it might be browser-dependent, so I tried going through the form process using another browser and I got stuck at the same point : no page showing a form to advance to the next step. 

I don't think this is a technical problem. I think this is intentional. Perhaps it's because I used the process before and they believe I should not use it a 2nd time. 

There is a new regime in the government now, one not favorable to the consumer and entirely favorable to those entities that run a business or make obscene profits. I suppose I am writing to an entity that will even discard this complaint into the bit bucket.

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 2018-08-29 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: OH

Complaint narrative:
I have previously sent my Identity Theft Report to Equifax on XX/XX/2018 to block fraudulent accounts and inquiries reporting on my consumer file. Equifax has ignored my previous disputes and have I have requested the help of the CFPB to make sure Equifax complies with Federal Law. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This account was opened on XX/XX/2017. It states that i owe {$320.00} which i do not. I tried to contact them to remove this account but no replies. I do not owe them anything. Theres no proof this is my account. Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2018, I disputed an account with XXXX XXXX XXXX that is on all of my credit reports. XXXX ( XXXX XXXX days later, XXXX XXXX authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

XXXXXXXX XXXX dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. XXXX XXXX also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that XXXX XXXX XXXX has violated the FCRA and FCRB and did not provide me within the XXXX- ( XXXX ) day time frame as required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I have received refunds from two companies but the credit card balance has not been updated one from XXXX XXXX XXXX and one from XXXX XXXX. American Express has a history of accepting payments or credits but not updating the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Performant Financial Corporation
State: CA

Complaint narrative:
Complaint number : XXXX, filed XXXX XXXX with the CFPB against this Collection company called XXXX. The company has ignored my complaint and is continuing to demand payments, calling both my XXXX & now my personal XXXX phone. And, how they got my access to my personal XXXX number remains a mystery because I did not list or add my XXXX or my XXXX to any information provided to the CFPB for sharing. I continue to received payment demand letters via XXXX. XXXX XXXX from this company, during and after I filed a claim and I received XXXX telephone calls today XX/XX/2018 from a XXXX calling XXXX XXXX XXXX. Caller ID tread XXXX. XXXX was intrusive, demanding, and I found XXXX tone hostile and negative. XXXX insisted on having me answer XXXX QUESTIONS. I asked XXXX a few confusing questions, ending with my reporting XXXX to the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Dear Staff, I am hoping that you can assist me with XXXX XXXX who continues to bill me and does not accept my payment following the end of a vehicle lease in early XX/XX/2018. I tried to pay this bill twice and am submitting evidence of the billing and my attempts of payment. I also called the company twice to resolve the bill, and they advised me during those calls that my account is in collection and that they needed to transfer me to that section, which they said was open for calls, yet when they transferred me the recording claimed they are closed for business. 

I have in the past leased twice from XXXX and made a third vehicle purchase, but I now understand that if a customer is not leasing or purchasing a vehicle, simply returning a lease, they use under-handed methods of incurring finance charges as a way of gaining money from the customer. I've worked very hard to have good credit, and their practices are now requiring me to seek your help and invest time in repairing my credit. I resent that they believe they can treat customers this way. Please assist me and let me know what further information you may need in addition to the documentation I'm attaching to this complaint. I greatly appreciate your assistance!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: OH

Complaint narrative:
On XX/XX/2017 I received an alert from TransUnion that a collection had been added to my credit report. The collection medical account reporting is XXXX XXXX , XXXX with account number # XXXX for the balance of {$250.00}. The numbers are partial because this is how TransUnion has it shown on my consumer file. I contacted the original creditor and asked them about this bill, the billing department told me that this bill had been paid by my health insurance and, is showing a XXXX balance. The original creditor sent me the billing summary showing the explanation of benefits. I have tried disputing this with TransUnion with no success. I have included a copy of the paid billing summary, copy of social security card, utility bill and TransUnion 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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
HUNTINGTON BANK CLOSED ALL SIX OF MY BANK ACCOUNTS, ONE SAVINGS AND FIVE CHECKING. THEY SENT US A REGISTERED LETTER WHICH WE RECEIVED ON XX/XX/XXXX. WE HAD UNTIL XX/XX/XXXX BEFORE THEY CLOSED ALL OUR ACCOUNTS. THE LETTER THEY SENT US STATED THEIR REASON AS " ACCOUNTS EXCEED OUR RISK TOLERANCE. '' THEY WILL NOT EXPLAIN RISK TOLERANCE AND WHEN WE TRIED TO PULL THE REST OF OUR MONEY TODAY, XX/XX/XXXX, THEY PUT A HOLD ON OUR ACCOUNTS AND NOW WE HAVE TO WAIT UNTIL THEY MAIL US A CHECK, WHICH MAY TAKE UP TO TWO WEEKS. WE NEED OUR MONEY NOW. OUR DIRECT DEPOSIT ACCOUNTS ARE NOW MESSED UP FOR TWO MONTHS. THEY NEVER GAVE US ENOUGH TIME TO SWITCH BANKS. THEY WOULDN'T RETURN PHONE CALLS FOR FIVE DAYS AND WOULDN'T GIVE US THEIR NAME EITHER, IT IS TOP SECRET TOO. WE HAVE BEEN DOING BUSINESS WITH THIS BANK SINCE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
My Citibank credit card is being reported inaccurately by the fact that each bureau is reporting different dates for the late payments also account name does not match on each bureau.

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank which claims themselves as Americas most convenient bank is in fact a XXXX company. The company falsely represents itself and has caused me and my company severe damage which can not be repaired. Their use of overdraft charges and lying has caused me great harm. The Company even  went as far as defaming me to a police officer making false accusations. I tried as hard as i could to get my overdraft monies back, but they wont pay, and i ended up taking them to court this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: WA

Complaint narrative:
I had a collection account with National Credit Adjusters for a account with XXXX XXXX. The amount owed was {$4000.00}. XXXX XXXX contacted me and said that they now owned the account so I settled the account with them. The account has been settled paid in full. NCA will not stop calling me even after disputing the account as paid. They are telling me that I still owe them on the account. I have a paid in full letter from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: TX

Complaint narrative:
I have been trying to get to get transaction history between the dates of XX/XX/XXXX thru XX/XX/XXXX to see all debits and credits on my XXXX XXXX XXXX which was issued in order to receive child support payments. I discovered after re-opening my child support case in XX/XX/XXXX that there were 2 deposits totaling {$4500.00} made on XX/XX/XXXX and 1 deposit in the amount of {$200.00} made on XX/XX/XXXX that were sent by the Texas Attorney General 's Disbursement Department to the XXXX XXXX XXXX and these monies were not credited to my account. I have spoken to representatives who have confirmed these amounts but, when I ask for copies of the transaction history, they tell me that they will mail them and never do. I made a total of 3 requests and I have not received one copy. I have requested to speak to a XXXX with the same request and he also promised to submit my request and have not received it. I have requested to go to their office and they will not give me an address. They have told me to access the information on their website and I have but, it used to have year XXXX option and since then, they have deleted this option. I have contact the Texas Attorney General 's office and I told them of my problem and they were not able to help me other than suggest to submit a complaint thru this website. I would like to get copies of all transactions while they managed my account so that I can see where these monies went. If and when I get this information, I want to get these monies sent to me as I am sure they were never credited to my card, which is now expired and they no longer handle my child support payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: MD

Complaint narrative:
On XX/XX/2018, I made an online payment for my mortgage from my checking account ending in XXXX. 
XX/XX/XXXX - The payment posted. 
XX/XX/XXXX - Received an email stated that an overdraft item fee was applied to a different checking account ( ending XXXX ). 
XX/XX/XXXX - Called BB & T, and customer service indicated that there was an automatic draft setup for the mortgage, but since I made a manual payment on XX/XX/XXXX the account was current. As a courtesy the overdraft fee of {$36.00} was refunded. Additionally, the representative assured me that she would remove all automatic payments ( because I wasn't aware of it/never used it since being a customer ) and would add a note on the account that the customer does not want any automatic drafts and that I would not incur any further issues related to this matter. 
XX/XX/XXXX - Another email was received that my account ending XXXX incurred a return item fee of {$36.00}, for another mortgage payment! 
XX/XX/XXXX - Called BBT after returning from vacation and was told that it was not a bank error after being passed from multiple representatives. The account shows that the mortgage was current as of XX/XX/XXXX, but BB & T stated that they could not do anything to stop their system from processing another payment!!!! So ultimately, I was charge 2 return item fees because of their faulty system. I was told that I am responsible ; that they could not assist me any further and will need to file a complaint. 
I am so frustrated because I could not get anyone to explain why I can't stop BBT from retrying a payment on an account that is not past due.

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 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: NV

Complaint narrative:
I fell behind on my mortgage after losing my job. I was forced to file bankruptcy, however I wanted to save my home. Loancare has evaded and blocked me from applying for assistance now since the beginning of 2016. I hired an attorney to help me deal with Loancare and they have been calling Loancare now for over two years. Loancare has told my attorney my loan had bankruptcy codes on it and they could not review me. This is even though my bankruptcy has been discharged almost two years ago. They then told my attorney the reason the bankruptcy codes are not removed was because they needed for my bankruptcy case to actually close. My bankruptcy attorney says there is no reason Loancare can not review and modify my loan. Loancare advised until the bankruptcy case was closed, which takes about a year they couldn't do anything. Finally my bankruptcy case was closed and my attorney applied for assistance. Loancare sent my attorney the attached letter denying the modification application with no reason. They claim the owner of this loan does not allow them to modify the loan. My attorney has a very experienced underwriter who actually deals with loan pool servicing issues often and he says this can not be true. Loancare should contact the investor and ask for permission. The constraints Loancare is talking about are old and those barriers are no longer in place. In addition, guidelines call for the servicer to make an attempt to contact the servicer to ask permission and Loancare has not attempted this. They simply have evaded review now for over two years and now want to foreclose my home after doing so.

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 2018-08-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is failing to properly provide me access to alternatives to foreclosure. Wells Fargo unjustly denied me a modification back in XX/XX/2012 and failed to complete another review of my loan for retention options. My loan is now in foreclosure with a sale date and I am scared that their unfair treatment will cost my family the home we have lived in for 17 years. We had an unfortunate financial setback at the beginning of XX/XX/2012 and missed a few payments. When we attempted to get caught up on our mortgage payments, Wells Fargo turned down our payment. We attempted to get a modification on our mortgage, but they quickly turned us down and then spent SIX YEARS continually finding one reason or another never to finish a complete review. They wanted so many documents and we gave them everything they wanted. However, they said we did not get the documents in on time and shut us down. We became professional document senders and we believe they jut want to take our home away based on the fact that we have equity in our home. We are very far behind and it is their fault of that we have so many payments in arrears. When we speak with them they say they want to help us and they send us letters all the time saying they can help, but when I contact them I get nowhere. I am gainfully employed and can afford a reasonable payment, my loan qualifies for the government assistance programs and I can not understand why they won't start the process of getting me back on track.

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 2018-08-29 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Today XX/XX/2018 Equifax added a personal statement to my consumer credit file without my consent. The statement they added was for as an explanation on a account I was disputing. This was not to be meant to be used as a personal statement on my credit report. Not only that but Equifax added my ex wifes name to the consumer statement. I want them to remove the consumer statement. I never gave them consent to use my dispute explanation as a consumer statement. I have included a screen shot of the consumer statement Equifax added to my credit report without my consent that violates my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: M&T BANK CORPORATION
State: MD

Complaint narrative:
I used my M & T Bank XXXXDebt card to purchase several baby shower gifts from XXXX. One of the gifts was a " gift card ''. When I gave the gifts, I discovered that the " gift card '' had no value ; the amount I stored on the card had been fraudulently used. I reported the issue to XXXX, their customer service informed me the way to handle it was to report the issue to my Bank. I sent M & T Bank the incident report and reply from XXXX requesting that they charge the transaction back to XXXX and return the funds to my checking account. XXXX XXXX XXXX first refused.. then required I send more documentation.. then applied a temporary credit.. then removed the temporary credit. And informed me they would not return my credit. ( this reversal also allowed M & T bank to create a overdrawn condition on my account and charge me a fee for the negative balance..

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