vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Good Afternoon, I 've made numerous attempts to have this information removed from my report. I 've submitted numerous letters for verification and each time they have returned false information.     I received my most recent follow up from   XXXX   and they removed the bankruptcies, I have attached this for your viewing.     Transunion and  XXXX  have yet to respond.   Please assist and ask that they provide actually proof of validation of the bankruptcies showing. As I have yet to be provided.     Both Transunion and   XXXX   stated that  XXXX   XXXX  provide this information I contacted them personally and this was advise to be inaccurate.     Secondly, they advised they contact the  Court  office and I spoke with the court house and the clerk explained they do n't release private information.     I advise them of possibly litigation and they have yet to respond both Transunion and  XXXX .     Please assist with removal of items. Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I was trying to resolve a delinquent debt of {$350.00} through the   XXXX    XXXX   XXXX   XXXX  . I was not comfortable giving my debit card information and offered to send a check, but was told that the debt holders stipulated that they would only accept debit card information and no other form of payment. I requested documents via mail so I could verify the authenticity of the institution that was calling me and I was refused. I requested the name, mailing address, and professional license number of the debt collection agency and was also refused. The paralegal,  XXXX   XXXX , sent an email with a locked document containing the debt information that required my social security number to view, but I expressed unease of providing that information to a company that did not willing verify their full identity. I asked for a physical validation notice instead via mail with the amount of debt and name of the creditor, but was refused. The paralegal then threatened to send a currier to serve me papers and sue me if I did not offer them my debit card information to them on the phone. I agreed to meet with the currier and the paralegal got angry and defensive and told me to never call their office again and hung up. I am would like to resolve this debt but am unsure if this is a legitimate debt collection agency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Greetings, I pay Equifax for a monthly service to investigate and manage my credit. This service allows me to request my Equifax credit score at any time without a credit score penalty and to occasionally request results from the other  XXXX  reporting agencies.     Recently, at  XXXX / XXXX /  XXXX    XXXX    XXXX   XXXX   XXXX   requested my credit score form Equifax and it was reported as  XXXX . When I learned of this today, I immediately went into my Equifax account and looked at my credit score and it was reported as  XXXX . I then requested scores from the other  XXXX  agencies and they were :   XXXX    XXXX   XXXX   XXXX  So even an average of these scores would be  XXXX  and yet Equifax reported my credit score to  XXXX  as  XXXX . When I called Equifax, they explained that the bank can specify it 's own " scoring model '' over which they had no control, despite the fact that the report comes directly from Equifax. When I asked if I could change t he " scoring model '' used for  my reports from Equifax, I was told I can not, thus preventing me from exercising my legal right to my credit score, free or otherwise.     Clearly, this represents behavior bordering on the fraudulent and Equifax  ( an d presumably other reporting agencies ) need to be brought to task or Americans will never have en effective way to navigate this ridiculous  XXXX  system of credit scoring.     I look forward to some kind of resolution. I 'm happy to provide documentation but it has my name on it which you 've suggested I should not include. Let me know if I can get it to you.   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: NC

Complaint narrative:
On  XXXX  2017,  I reported to Equifax that there were accounts reporting inaccurately on my credit report, and requested them to be removed due to them not belonging to me. There are   XXXX   accounts the remain on my credit report that are reporting and do not belong to me, nor had the  Credit  reporting agency provided me with information pertaining to validation such as a name and contact information with whom they validated this information with. The following accounts are reporting incorrect on my account :   XXXX   XXXX  - Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX   XXXX  Acct #  XXXX   XXXX - Acct #  XXXX  To date, Equifax has not provided me with any proof of a contract, nor proof of validation from whom these incorrect accounts were validated with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The Company,  XXXX   XXXX   XXXX , has begun garnishment before sending me a copy of this loan, which is not my loan. I demanded over and over for months the copy of the note, and all other information of the loan and me, they had. After, they started garnishment they finally sent me the note only. Which turns out is not my note. The signature is obviously not my signature, and I was living in  XXXX , with the  XXXX   XXXX  at the time. They should have sent me the copy of the note, so I could know what they were talking about, and distpute the note. I believe, they knew the note was fraudulent and waited to start the garnishment, so I could not distpute the loan. This deniad me the right to distpute the note. When ever I talk to the  XXXX   XXXX  operators, I go in circles with them. This is every single time I talk with them. I am certain, they sent me the note, not until, after they started garnishment deliberately, because they know it is not my note ; some how. I was deliberately denied, by  XXXX , the right to distpute this note, by them refusing to sending my information and the copy of the fraudulent note. I can proof this is not my note, by the obviously fraudulent signature and the date the note was signed. This is not my note. Is n't this illegal?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: LA

Complaint narrative:
I had a student loan being serviced by FedLoan Servicing  XXXX   XXXX   XXXX , that was paid in full  XXXX   XXXX ,  XXXX . A " Paid in Full '' notification letter was issued by FedLoan Servicing confirming the account had a {$0.00} balanc e ( n otification letter attached ). Previous to that, the account was paid via direct debit directly from my bank account.     Then, on  XXXX   XXXX ,  XXXX  , ( six  months later ) FedLoan Servicing issued a notification that a balance of {$62.00} existed on the account, and that the account was delinquent since  XXXX   XXXX ,  XXXX   (  delinquency letter attached ). This issue was automatically reported to the credit agencies which dropped my  credit score  from  XXXX   ( excellent )  to  XXXX   ( b ad ) overnigh t. FedLoan Agency ha s acknowledged that this reporting was a mistake, and that the account was not delinquent. I have repeatedly contacte d FedLoan Agency si nce  XXXX   XXXX ,  XXXX  to get them to issue a correction to the credit agencies ; but my score is still at  XXXX  as of  XXXX   XXXX . They are not responsive. They have n't even provided me with documentation of the steps they have made to fix the error, nor even sent me a letter so that I could provide documentation myself to  XXXX ,  XXXX , and  XXXX .     I need  FedLoan Agency to provide me a document stating that my account was not delinquent, that FedLoan Agency issued  the delinquency notice in error, and that the loan is paid in full ; so that I can file directly with  XXXX ,  XXXX ,  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On  XXXX   XXXX ,  2017 , I deposited several checks into my checking account, one of which was in excess of {$5000.00}. The branch manager put a hold on this check thereby making these funds unavailable to me for the purpose to which they were intended, even though the check cleared on the day of the deposit, or at the latest, the next day. The person who wrote the check received a notification that the funds had been removed from their account  one  day after the deposit, on  XXXX   XXXX ,  2017 .  Trust  mark continued to hold the funds from my account for 8 more days, until I personally visited the main Trustmark office and spoke directly with the President of the bank. There was no reason given, nor a reasonable criterion for the funds to be held at the time of the deposit, much less for eight more day, according the Federal Re serve  Guidelines 229.13 Exceptions ( under the section of Availability of Funds ). I have done business with Trustmark for almost thirty ye ars. These funds were not being deposited into a new account, and I have never had an overdraft or a redeposited check. There was " no reasonable cause to doubt collectibility. '' None of the other exceptions under this paragraph or its subsections apply, and the President of the bank could not give a reason for the hold having taken place. I not only was inconvenienced twice, but was also unable to pay off my mortgage with the funds I deposited without having to make a trip to the main branch and speak directly to the  President of the bank. And, for eight days, Trustmark profited from my money. If I had not taken off work for a second day to resolve this issue, I have no idea how long they would have held my money hostage .     I think that I have resolved the issue ; although, I have not seen my final bank statement, nor my mortgage statement. I plan to close  my Trustmark account as soon as my pending transactions have been paid. Be forewarned. This is not the first problem I have had with Trustmark. On more than one o ccasion I have had funds misapplied or " lost. '' With these other small issues, I have resolved the problems and moved on without filing a complaint or changing banks, because changing banking institutions is quite inconvenient, but at some point, the consumer has to stand up and make a statement. If you have had a similar experience with Trustmark, I urge you to file a complaint. Please, keep a very close watch on your statements and deposit slips.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SUNTRUST BANKS, INC.
State: NV

Complaint narrative:
There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all.     I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC.  See  attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Call on  XXXX   XXXX ,    2017  and told Transunion about inquiries on my report that are not mine. They told me that there was nothing that they could do and that I ca n't dispute them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MD

Complaint narrative:
FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685.      In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited  to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments o n weekends. The text of operative legal language is included below. Note that the law requires that borrowers be given to the prepay the debt AT ANY TIME. Therefore, FedLoan limitations are illegal . 685.211  Miscellaneous repayment provisions. ( a ) Payment application and prepayment.  ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary  applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal.  ( 2 ) A borrower may pr epay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the amount due, the excess amount is a prepayment.   XXXX   XXXX     XXXX  Very truly yours, /s/  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 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: SD

Complaint narrative:
I have sent  XXXX  letters requesting removal of the account "  XXXX   XXXX   XXXX  '' from my credit report between all three CBs due to this account NOT being mine.   XXXX   and  XXXX  admitted that they could not verify the account belonged to me, and promptly removed it from reporting. However, even after  XXXX  separate noticed to Equifax, they refuse to remove it. I sent a demand requesting that they disclose ALL information regarding how they verified that this debt was mine, including the name and number of the individual working for Equifax, the name number and title of the person who furnished the information to that person, and all supporting documents. Equifax has continued to ignore my requests. Since they are reporting still to this day, we can assume they claim it 's verified.  XXXX   XXXX   XXXX ,  XXXX  Edition,   XXXX  , defines  Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. What this means is that   Equifax must be willing and able to produce a document in their files that proves the account in dispute belongs to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against them. Someone in their company must authenticate the documents in their files that were used to verify the disputed account and to do this they must have   1st hand knowledge of the alleged account and all that has ever transpired for the alleged account, under oath and under the penalty of perjury. Verification MUST consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). My request is THE LAW. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
I demand that this account be removed from my credit file as two other CBs have already accepted that this account is NOT mine and should have never been reported as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Made p romises it could n't or would n't deliver and I was harmed {$370.00} at this time.     Direct Deposit form given to  XXXX   XXXX , Banker at  JPMorgan Chase  on  XXXX   XXXX  on  XXXX / XXXX / 2017 . The direct deposit never arrived on  XXXX   XXXX ,  2017  or  XXXX   XXXX ,  2017  as promised and I lost my benefits which remained with old checking account at  XXXX    XXXX   as well as the promised Bonus of {$300.00} and had accumulated {$74.00} in interest fee because I could n't pay off my  XXXX  Charge Card in  XXXX   2017  and in    XXXX    2017   .     Intentional Interference came from Banker  XXXX   XXXX  who held control of the form knowing it would not be handled within 60 days.     On  XXXX   XXXX ,    2017  I updated " My Social Security '' and directed the direct deposit to be deposited with Chase on  XXXX   2017 .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Hello, I would like to put in a complaint agains t Portfolio Recovery Associates LLC.   I was unaware when they sent me a letter dated  XXXX / XXXX /   2015  that a check was enclosed in the amount of {$200.00} in which the letter stated the following : " On  XXXX   XXXX ,  2015 ,  Portfolio Recovery Associates LLC entered into a Consent Order with the Consumer Financial Protection Bureau regar ding out Litigation Department collections calling practices. Enclosed with this letter, please find a check from  Portfolio Recovery Associates LLC ( PRA ) whi ch is a refund check made in accordance with the terms of the Consent Order. '' I have contacted  Portfolio Recovery Associates twice tod ay at  XXXX  and was told by both associates that there is no way that I would be able to get a new check issued or have the check amount applied to my balance of {$500.00} that I still have with them over my debt with my credit card (  XXXX   XXXX   ) a nd I stated to them that I did not understand if the check was not cashed that the money should have gone to the Unclaimed Property for either my state or the state the check was written in, however, they just both said that I was out of luck in the trying to recover the check amount, therefore, I contacted you since you company 's name was mentioned in the letter.

Company response to consumer: Closed with non-monetary relief