vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-11 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: CA

Complaint narrative:
XXXX XXXX ( a.k.a. XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, Ca. XXXX Phone : XXXX Fax : XXXX Email : XXXX XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Phone : XXXX Dear CFPB, Several times during the past three ( 3 ) years I have written Equifax, XXXX and XXXX, about the lack of a credit score, and inaccurately listed and/or missing information in my credit reports that should have been verified and corrected. For example, there is no mention of a 3-year vehicle lease made on XXXX of XXXX through XXXX XXXX/XXXX, and no mention of a personal loan I made on XXXX of XXXX through XXXX XXXX XXXX ( XXXX ). 

I have sent four ( 4 ) requests to Equifax, XXXX and XXXX to provide me with a credit score, and correct, verify and make sure that the information listed in my credit reports are accurate and according to the credit reporting laws of California, but no action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: OH

Complaint narrative:
From XX/XX/XXXX to present. I send Transunion several letters in accordance with FCRA under Section 609 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 1 ) ( A ) under Section 611 ( 5 ) ( A ) to provide any original documentation with my signature as required. 

Transunion never provide such documents when investigating the matter when it alleging came back " verified ''. If it was reported correctly as they mention who verified it? 

Iamalsorequestingthe METHODOFVERIFICATION accordingto FCRAsection611 ( a ) ( 7 ). For the ( 12 ) Twelve accounts in question ( a ) The name of the creditor ( b ) The persons name and title showing that they verified the dispute with ( c ) The address ( d ) The telephone number and ( e ) The documentation used to verify the dispute. 

If Transunion reply it would show clearing that they did not provide no evidence to me thus in violation of FCRA. The overall risk to me and my credit rating could be damage greatly all because of Transunion non-compliance. 

Anyone paying for Transunion services could fax, mail, or email in a fraudulent account. 

Since it still reporting on my credit report I'm sure that Transunion could easily provide it to CFPB. If not, look at the long-term damages its doing to me and potential lenders I would like to do business with, but unable to due to this error. 

In addition to validation of account 1 specifically. XXXX not even the original creditor but before called XXXX XXXX etc ... sold the account to XXXX. XXXX sue me in court and the final outcome was a mutal dismissal with prejudice. At this time dating back in XX/XX/XXXXtwo the same accounts were reporting under different names. Once I called the original creditor they said that I would have to contact XXXX regarding the account info. Ok I did to reminder them of their breach of contract regarding settling the account in question and complete removal of the account off my credit report. They complied, but the so-called original creditor still posted the account under their name. Is that legal? or lawful to report the same account twice sell it on penny on the dollars to a third party with their proof of evidence presented in court against me. The third party sues me, and lost. Do CFPB think if XXXX would have won they would of paid the other again after buying the debt? Since I hold trans union fully responsible with their non-compliance of the law have not fact checking all the information presented to them for removal of all 12 accounts in question.

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 2019-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
Upon the request for the cancellation of my familys auto insurance with XXXX insurance company, they initially told us that we were supposed to get a partial refund for the years of service with them which is customary among most insurance companies. And yet all of a sudden they changed their story by falsely claiming that my sister and I allegedly owed an unpaid debt through the use of a collections agency by the name of Credit Collection Services.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
I opened an account with TD bank at XXXX XXXX XXXX, XXXX, MA XXXX on XX/XX/2018. During which time they were running an online promotion for {$300.00} bonus if you open a new account with the bank. So I opened an account and met all the requirement to receive the bonus, confirmed by the corporate representative and TD Bank branch manager XXXX. However, to this date, I still havent received my bonus. I have called the branch throughout last year to raise my complaint, I have spoken with XXXX and XXXX, numerous times who promised would have this matter resolve. Nevertheless, every time I called, all they call tell me is they're working on it. They couldnt tell me how long the process will take, or when will this issue be resolved ( which has been over a year ). All they can tell me is to wait. And one time they told me they have no records of the promotion, so I provided them a copy of their promotion that I was eligible for in 2018 on their TD bank official website. I havent heard back from them ever since. I have made numerous calls to TD bank corporate and the TD bank branch in XXXX, but all they can tell me is to be patient. I was supposed to receive what they promised a year a go and I still havent. The behavior of the bank is extremely unethical and they're false advertising the promotion so the customers would open bank accounts with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tenaglia & Hunt, PA
State: MO

Complaint narrative:
In XX/XX/XXXX, I received 2 small loans from XXXX, totaling about {$1000.00}. After 12 successful payments made on my account, I began to miss payments which caused my account to become delinquent. 

On XX/XX/XXXX XXXX emailed me via the email XXXX stating as much. I immediately reached out to find out what was going on. I was informed & verified by logging into my account that I did owe a balance of {$450.00} which I paid in full over the phone via credit card. 

The woman I spoke with assured me she was an employee of XXXX. 

When a charge to my card showed up on my bank statement on XX/XX/XXXX ( and cleared on XX/XX/XXXX ) it was not from XXXX but from a law office -- XXXX XXXX XXXX. 

I again reached out to XXXX to see what was going on, at this time I was informed that my account had been transferred to XXXX XXXX XXXX for collections and they had the {$450.00}, not XXXX. 

I was informed, in writing, that XXXX would consider my account current contingent on XXXX XXXX XXXX remitting my payment back to XXXX though was given no timeline as to when that would happen. 

In the meantime, I continue to receive calls from XXXX XXXX XXXX as well as a second collections agency -- XXXX -- both attempting to collect on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
As a victim of hurricane Harvey ( XX/XX/XXXX ),  SunTrust bank granted me a forbearance. A letter dated XX/XX/XXXX set out the terms of the loan modification. At which time, I followed all of the terms of the agreement which was to begin paying my loan back at an amount of {$780.00} beginning XX/XX/XXXX. According to my payment record from SunTrust which I can provide, my payments were applied on time and were never late. Now Suntrust is reporting 6 months late on my credit as if XX/XX/XXXX. Ive tried numerous times to explained to untrained associates that this was not correct and that a glitch in their system caused all of my payments to be refunded, which I promptly returned along with the current payment due. I have provided dates of my payments and of letters I received outlining the terms of the agreement. All to no avail. Ive disputed through the credit reporting agencies, To which SunTrust responds with dispute resolved and a comment that is irrelevant, such as fixed rate. Their negligence is affecting my ability to financially and emotionally recover from this tragic storm. I do not want to see anyone else become a victim of their inefficient and ineffective processes.

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 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NC

Complaint narrative:
I am currently enrolled in Public Service Loan Forgiveness Program via FedLoans and I have been trying for over 2 years to get an accurate count of my payments that count toward forgiveness and have been unable to achieve this with the company. I have been unable to get consistent answers on what payments they are counting and why the payments that should count are not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem extending the lease
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I returned my car back to Nissan yet it seems they are reporting a late payment for me in XX/XX/2018. The car was returned prior to that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX confirmation XXXX I paid off a balance of {$32.00} to my Comenity - Ultamate Rewards Credit card The due date was XX/XX/XXXX and a payment was made on that day. The following month I received a charge on my card for {$29.00} Fee Charge ( XXXX late pay and XXXX min interest charge ). 
I called to speak to a supervisor and explained I made a payment on XX/XX/XXXX and gave the confirmation number. They claimed I made it at XXXX my time which was XXXX their time ... 15 minutes after their cut off time. This was knew news to me, I was unaware of a " time '' cut off. I only knew of a " date ''. I ask for them to wave it, since I had been great credit with them and I was unaware of a time cut off on the due date. They said they waved my original late fee when I first signed up with them and they would not wave this one. 
I explained my first late charge was due to me never receiving my first statement after initially signing up with Comenity, so I had no idea when my payment was due. 

I closed this account XX/XX/2019. This company is continuing to charge late fee on top of late fee even after the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
In an effort to validate a debt collection account that is being reported on my credit report, I asked the collection agency to validate the debt by sending them a letter via certified mail to the address provided on my report. The letter was mailed on XX/XX/2019 and I have not received a response. They have failed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I just needed to change my address. The bill says to call customer service or go online to change it. I called the number on the statement, XXXX-XXXX-XXXX-XXXX. I was required to listen to 5 minutes of automated advertisements asking me if I had a cell phone provider, TV provider, and a host of other topics requiring me to answer yes or know by hitting a number or pound. I finally got to a recording that says I can hold for a representative. The recording then immediately went into asking me cell phone questions if I have one yes or no. I didn't answer so it disconnected the call. How can I reach customer service? 

I then went to the website. I tried the forgot password link and it would not go on without my social security number. I don't want to enter than on the internet. Then, I tried to set up another account and it again requires a social security number and date of birth. I already have a card. These excessive processes put my identity at risk. I still can not reach customer service to change my address and have lost confidence in this company. It all feels like an advertising scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I have recently just checked my credit report and see that the bureaus are reporting some inaccurate information about some late payments. I reached out to Experian, XXXX and XXXX  and disputed the late payments on my credit report. I simply ask that the CRA 's remove the late payments because I have never been late paying my bill. The account and late payment date are as follows : Account : XXXX XXXX XXXX Account # XXXX Dates Claimed Missed Payment : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

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 2019-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
I purchased a 2017 XXXX XXXX. In XX/XX/2018 my car was reported stolen. I was told by my insurance company " XXXX '' to not pay my monthly bill because they would pay my remaining balance. Because of that I have three/four months of " mispayed '' monthly bills from my stolen XXXX. My insurance ended up paying the value of the car off, and I'm currently working with GAP to cover the remaining costs. However, Nissan Motor Acceptance has  no records of files that I need to proceed with paying the remaining costs of my vehicle. GAP and I have contacted Nissan to obtain Vehicle service contracts that employees are not able to find. Because of length in time my remaining balance has gone into collections. Without the forms of Nissan I am not able to process my GAP claim.

I also paid for a Vehicle theft protection to First Automotive by southwestRE but when I called them to cancel it for my GAP claim the company said Nissan never submitted their paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
Radius Global Solutions has contacted me multiple times a day, from multiple phone numbers. They have contacted my personal phone number, my work number and my parents. I sent the company a certified letter that was delivered yesterday. I have confirmed receipt of the letter by USPS. Today, the agent at the XXXX phone number 5 times between XXXX and XXXX, contacted my work line at least once and my mother on cell phone. Not only was this the second time they called my mother, they discussed what type of debt that I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
We have been trying to sell our home in a short sale since XXXX. We received an offer and our negotiator submitted it to the lender. They came back with an extremely high counter offer. The buyer and our negotiator submitted a value dispute. Several times the lender confirmed receiving it but never had an update to provide. The pipes burst in the property in XXXX creating a huge water damage and creating a lot of mold to grow in the property. This information was sent to the lender but they lied and said they had just been in the property a week ago and the property was in perfect condition ( a different representative later told my negotiator that they had not been inside the property since last year ). We finally just received a response today ( after 2 months!!! ) and they lowered the value just a little bit. The buyer revised their offer to a slightly higher offer but we're concerned the lender will not look at it since they took 2 months to respond to the value dispute and gave several inaccurate updates and all out lies to us and our negotiator. Please help us to postpone the auction so that we can sell the property on our own terms and avoid foreclosure. The buyer is a cash buyer and can close immediately if and when approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Security Credit Services, LLC
State: NC

Complaint narrative:
I sent a letter to Security Credit Services that they validate NOT verify a debt they are attempting to collect from me. I specifically asked for a signed agreement and other supporting documentation. They provided me with an unsigned agremeent which does not prove that I am obligated to pay them anything. They have reported unvalidated and deliquent information to the credit bureaus and I am asking that this account be deleted from all 3 of my credit bureau reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2019, I purchase a home at the foreclosure sale that was located at XXXX XXXX in XXXX XXXX Texas. I paid {$140000.00} for this home. One day later I received a call from the owner of the home asking to rescind the sale of this home because one of the family member was XXXX  and the owner was an elderly man. I agreed to rescind the sale. The original owner has done a loan modification with Wells Fargo and paid Wells Fargo. Today in XX/XX/2019 and Wells Fargo has not refunded my money. 

The only person I can speak with regarding this matter is a lawyer that Wells Fargo appointed that does not answer the phone. I must get my funds back as I have borred these funds from a lender. 

The lawyer for Wells Fargo name is XXXX XXXX XXXX-XXXX-XXXX. this lawyer keeps saying he is wiring the funds today and they never come.

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 2019-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation
State: NJ

Complaint narrative:
TeleCheck , Inc., along with its associated debt-collection entity, TRS Recovery Services , Inc., agreed to pay {$3.00} XXXX to settle charges of violating the Fair Credit Reporting Act, the FTC announced Thursday. 

trs is hounding me for {$100.00} dollars been cashing checks at my local supermarket stop and shop XXXX nj for over 10 yrs no problems then check was rejected and im being hounded for money

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 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: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
An account that was previously removed from my credit reports after an investigation was opened and completed, was reinserted back on my credit report and also re-aged. The Credit Bureau agency did not notify me in writing within 5 business days. I was not notified at all that this account would be reinserted. The account was removed due to inaccurate information and they did not validate the debt. Also the statute of limitation has passed on it from the original creditor. ( 2012 ) I also notice that the collection agency " re-aged '' the account by updating the date of last activity my credit report to keep the negative information on my report longer Account - Commonwealth Financial {$490.00} I am in the process of buying a home and this is interfering.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: KY

Complaint narrative:
I have been making qualifying payments regarding public service loan forgiveness since XX/XX/XXXX. The initial lender was XXXX XXXX   XXXX  XXXX. The lender was changed to XXXX XXXX in XX/XX/XXXX. The final change to the current public service loan forgiveness through the federal government was in XX/XX/XXXX. In that time they have been unable to correctly quantify/acknowledge the number of qualifying payments towards the public service loan forgiveness, despite having the account under review for over a year and a half. 
They currently have 61 payments accounted for, this does not account for the first three years of loan payments through the direct loan servicing center ( XXXX )

Company response to consumer: Closed with explanation