vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON XXXX , XXXX AND TRANSUNION REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

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 2018-07-10 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:
XXXX XXXX XXXX, ACCT NO.XXXX IS FRAUDULENTLY APPEARING ON EQUIFAX , XXXX  AND XXXX REPORTS. 

XXXX XXXX IS THE THIRD COLLECTOR IN A ROW FOR THE SAME XXXX DEBT, THE ORIGINAL CREDITOR. 
THE PREVIOUS TWO COLLECTORS XXXX XXXX AND XXXX XXXX   WERE DISPOSED OF PREVIOUSLY BY CFPB COMPLAINT AGAINST ALL 3 BUREAUS.I HAVE ATTACHED XXXX CFPB COMPLAINTS BUT ALL 3 BUREAUS RECEIVED THE SAME COMPLAINT AT THE SAME TIME AND ALL 3 BUREAUS DELETED

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This complaint is in reference to the XXXX Account Number : XXXX listed on my Experian credit report. I have contacted Experian several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to resp satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the absence of any such documentation I formally request that this information be immediately deleted from my credit file.

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 2018-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
Charged for forced place insurance when private insurance was active. 

The property has been insured by the same insurance company, XXXX, for twenty-five years without lapse of coverage. 
XX/XX/XXXX - Seterus  Incorporated received a policy renewal notice XX/XX/XXXX - Seterus Incorporated paid {$2900.00} for policy renewal XX/XX/XXXX, XXXX Effective date of policy XX/XX/XXXX - Policy changes after review XX/XX/XXXX - XXXX forwarded new policy to Seterus Incorporated, documentation available XX/XX/XXXX - XXXX issued Seterus Incorporated an adjustment of {$600.00} XX/XX/XXXX - Seterus Incorporated posts adjustment XX/XX/XXXX - Seterus Incorporated writes letter stating insurance has expired XX/XX/XXXX - I faxed Seterus Incorporation the policy information again, documentation available. 
XX/XX/XXXX FORCED-PLACE insurance activated Seterus Incorporated is in violation of Title 12 chapter 27 2605 ( k ). Seterus Incorporated had documentation, supplied by myself and the insurance company, that should have brought into question Seterus Incorporations ASSUMPTION that property insurance was not in force. 

Additionally, though this would take some thought, a yearly policy that cost {$2900.00} canceled forty-five days after activation should warrant a refund of about {$2500.00} NOT {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CrossCountry Mortgage LLC
State: LA

Complaint narrative:
XX/XX/2018 I was trying to pay my mortgage and was told that my mortgage payment had increased by {$800.00} I immediately called the mortgage company and was told that someone would get back to me, I have called almost weekly to this date I have asked for the Manager and was told that they were researching it but no one will return my calls or answer the line Im having to leave messages and the rep is having to email. I am currently behind on my mortgage because they will not except my payment unless it is {$2500.00} which I don't have, I am receiving collections calls, people are coming to my home leaving foreclosure pamphlets in my door and today I received a letter from a collections agency demanding payment in 30 days or foreclosure processing will start. Can you please help me I am a normal person trying to make it I can not afford for my mortgage payment to increase in this magnitude and I can not loose my home because someone did not do what there suppose to do as I have been doing everything I was asked to do and have not been late on my mortgage prior to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I had a savings, checking, auto insurance and investment accounts with USAA since XXXX. I cancelled my auto insurance policy and moved it to XXXX for a better rate. Despite the cancellation of my policy, USAA continued to attempt to debit my checking account for the USAA insurance. I sent documentation on 4 ( four ) occasions to prove that the policy had been cancelled-USAA refuses to correct their error and has now frozen my access to my banking accounts and my investment accounts. They also refuse to timely process any investment transactions I request. My last transaction was not only late in processing, but they also sold the wrong stock ( requested the sale of XXXX XXXX but XXXX XXXX XXXX was sold ) and they witheld extra fees. I have had a XXXX on file since the inception of my investment account, no change has been authorized by me since XX/XX/XXXX. In XX/XX/XXXX, more than {$320.00} in backup withholdings were held from a sale of stock ; my social security number has not changed and has not been questioned in prior sales. Currently, USAA is holding my accounts XXXX by blocking online access to my accounts. This is causing me much distress because I have no other means of accessing my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have some collection accounts from 3rd party companies from accounts that either dont belong to me or just plain inaccurate or fraudulent. First, XXXX XXXX XXXX with a balance of {$640.00}, opened on XX/XX/XXXX. Next, debt collection company by the name of XXXX XXXX XXXX with a balance of {$1500.00}, opened on XX/XX/XXXX. Next, XXXX XXXX XXXX with a balance of {$1400.00} opened on XX/XX/XXXX. Then, XXXX XXXX XXXX with a balance of {$87.00} opened on XX/XX/XXXX, Finally, XXXX collection with a balance of {$58.00}

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 2018-07-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: UT

Complaint narrative:
I have several loans out and I'm starting this week to work with a credit consultant agency but everyday and night I walk out of my house and there is at least and not at the same time a car parked in front of my house and it's the same ones I have photos to prove it they come all hours sometimes as late as XXXX XXXX they are scaring me and making me literally sick it's from checks smart, in XXXX ut and XXXX XXXX in XXXX UT, XXXX XXXX in XXXX UT, XXXX XXXX in XXXX, UT obviously I realize I owe these companies because I'm struggling they call me constantly at least 40 calls a day from XXXX XXXX until XXXX and also at work they threaten me with law suits constantly they try and take money out of my account which I have them all locked out they are very rude to deal with and I feel threatened day and night it's affected my health they all tell my co workers that I need to call them back and they all ask for my works hr department which my co-workers will not give them any information they have made me literally sick to were I have had to miss work cause of my health please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 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: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This complaint is in reference to the XXXX Account XXXX entry listed on my Experian credit report. I have contacted Experian regarding this entry as well as others requesting viable evidence bearing my signature and how they verified this alleged account without providing the requested proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter form Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and the reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

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 2018-07-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
Navient student loan said I took out a loan in XXXX. I am XXXX yrs old and never had a student loan in XXXX. I did have a loan with the United States XXXX XXXX XXXX. This school was in XXXX Colorado back in XXXX. I got this loan paper from Navient that said I took a student loan out in XXXX, but I have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I made a payment in full on XX/XX/XXXX to Capital One for the Amount of {$2300.00} for a payment I had due on XX/XX/XXXX via my checking account. After doing so, I set up autopay using that same account. I got an email from them on the XXXX that there was another payment scheduled for the same amount, which I was not able to cancel online. I called customer service who was unable to do anything that same day and they asked me to contact my bank on next business day XX/XX/XXXX to see if they could reverse one of the transactions. I did so, but my bank charged me a fee of {$20.00}. I called Capital One that same day. The first representative was unhelpful and said that since it was a bank fee he would not reimburse me for that. I asked who a supervisor who also basically blamed me for the problem and was adamant they would not credit the account {$20.00} for their error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-10 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC

Complaint narrative:
Late payments showing up on my credit report and these guys are predatory lenders. Interest paid off the entire loan and 8 years later they are still billing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
The collection agency XXXX XXXX  XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX   XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.

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 2018-07-10 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: DC

Complaint narrative:
This complaint is in reference to the entry XXXX Account : XXXX entry listed on my Transunion credit report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from XXXX. XXXX XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to E-Oscar or any means of automated verification. 
Failure to respond within 30 days of receipt of this notification may result in a small claims actions. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

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 2018-07-10 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: United Student Aid (USA) Funds
State: GA

Complaint narrative:
The collection agency XXXX XXXX XXXX, is harassing me, and refuses to work with me in order to stop the wage garnishment that they are taking from each paycheck. XXXX XXXX XXXX has taken over my student loans from XXXX XXXX XXXX XXXX. 

When I have called them to discuss options for stopping the wage garnishment, I am always given different information, and different amounts I will need to pay before the garnishment can stop. 

I was told that as part of their loan rehabilitation program, if I made 5 consecutive monthly payments, they would stop the garnishment. I was told, based on my income, that I qualified for the minimum monthly payment, {$5.00}. I was not asked about my husband 's income, if we filed our income taxes together or separate, or any of that. I was only asked for MY annual income. 

About a month later, I was told that based on my family 's income, I did not qualify for the minimum monthly payment, so in addition to the wage garnishment, I would have to make monthly payments of around {$90.00}. I told them I could not afford that, and I ended the phone call. 

I continued to make the {$5.00} payments that I had originally agreed to. 

About 5 months later, I called asking them to stop the garnishment, since I had been making the {$5.00} payments every month. I was told that the loan rehabilitation program had not been officially agreed to, because they were unable to send me the required paperwork, since I had previously told them not to contact me, as it was borderline harassment. In addition, they told me I could restart with that program, but I would need to pay {$31.00} a month, while they continued to garnish my salary. 

I told them that I could not afford this, as the cost of my health insurance for myself and my family had gone up. I told them I was willing to pay $ XXXX month, as long as the garnishment stopped. They would not accept this, and I ended the call. 

The company is not willing to work with me, when I have told them that my cost of living has gone up. With my hourly rate of $ XXXX/hour, I can not afford to have 10 % taken from each of my paychecks. I have told them, and shown that I am willing to make monthly payments, but they are not willing to assist me or work with me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2017 my Paypal account was limited by PayPal and I have been unable to withdraw my {$360.00} balance to my checking account. I tried to resolve the issue but have been unsuccessful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-10 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: DC

Complaint narrative:
This complaint is in reference to the XXXX XXXX Account Number : XXXX entry listed on my Transunion report. I have contacted Transunion several times requesting viable evidence bearing my signature and how they verified this alleged account without providing me any proof that this account is in fact belongs to me i.e. something with my signature. 
As per FTC opinion letter from Atty. XXXX XXXX XXXX you should be aware that a printout of a bill or itemized document does not constitute verification. I am challenging the accuracy, compliance, and reportability of the listing. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this notification may result in a small claims action. In the abscence of any such documentation I formally request that this information be immediatedly deleted from my credit file.

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 2018-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There was a fraudulent charge with my debit card. I did not make a purchase and someone charged XXXX dollars in equator. I informed the bank within 2 business days and filed a fraud claim. The bank denied the claim and said they would take my funds.

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 2018-07-10 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: GA

Complaint narrative:
Incorrect information reporting on credit report, i need these items removed as soon as possible.

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