vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX, Transunion and XXXX all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX XXXX. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX for this debt. Also XXXX XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

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 2019-06-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX, XXXX and Experian all have and account originally owned by XXXX XXXX the account was bought by XXXX XXXX company. I started a complaint in XX/XX/XXXX to have this account removed first it was reaged by the company stating the account was delinquent the day they purchased it from XXXX which was in XXXX now showing XXXX on my credit report all this is incorrect the account was closed with XXXX XX/XX/XXXX and was actually paid out with my state tax in filing year XXXX but this company is pursuing a collection from me, for money that was paid Direct from my tax return to XXXX so this should be removed all together for the illegal reaging and the fact that funds were sent to XXXX  for this debt. Also XXXX  XXXX XXXX is another account that went delinquent in XXXX as reported by XXXX in a dispute I file with them about the collection agency that purchased the account this agency was allowed to alter the dates as well to show a more recent delinquency and collection date to hinder my credit XXXX purchased this account XXXX and was allowed to alter the dates to show that date not the XXXX date that the original creditor reported to the 3 credit bureaus the 3 credit bureaus have continued to uphold the creditors side of this issue totally ignoring FCRA standards and the illegal practices of creditors to continue to change dates on old debts monthly or yearly to make them appear as if they are newer debts so they are able to remain on your credit longer the allotted time. I was unable to dispute this with a agent because I failed XXXX XXXX  which is a questionnaire formed by information provided by creditors this information is all incorrect I failed it each time because the info they have have a job listed I havent worked at for 19 years they have credit card loans I never had and personal loans I never had. They deny me access to dispute based on information from someone who is not me who provided it to them on my behalf that is the most unprofessional practice I have ever experienced in my life you dont verify the creditor but you double triple verify the person who is going to be affected by this incorrect illegal information providing process

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 2019-06-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/2019, I used my American Express bluebird pre-paid card to purchase an item. After not receiving the item in mail, I filed a dispute with Amex on XX/XX/2019. After 10 days of the investigation passed, Amex did not contact me nor did they grant me provisional credit. On XX/XX/XXXX they sent me an email that said they are in receipt of my dispute and that they will contact me if they need any more information from me. Today is now XX/XX/XXXX. I called them and they have no further information for me. I don't believe that they are adhering to federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been fighting with B of A for years about this debt that was fraudulently made. I filed several complaints with CFPB and BofA was unable to find my account. Please see attached, yet this debt is still on all my reports and damaging my credit. BofA attempted to sue me and did not notify me of the lawsuit and the case was dismissed. I've contacted the creditor several times and they can not find my account information. THis needs to be removed immediately.

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 2019-06-04 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My bankruptcy should be off my credit report been 7 years now XX/XX/12 now its 7 years please help me get this off my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX. Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to Seturs in XXXX and was foreclosed on XX/XX/XXXX. Seterus Inc. has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
I had a problem in my basement and got sump pump installed in my basement and waterproofing use XXXX XXXX to give me and my husband a loan and told us that it would be 365 days with out no interest and the first 6 month we didnt have to pay well the month XX/XX/2019 we new we had pay but never got a due date and any paper work from XXXX XXXX so we went by are contract that we got from waterproofing specialist when we sign for the loan that it was 365 no interest we got only one call in XXXX never stated in the call who was calling call was drop and never got a call into I called in XXXX to discuss different situation And at that time I was never told anything bout when payment was due at anythime and not even if we didnt make payment. By due date that 365 days would be canceled and wen we took are contract to XXXX that we sign he said it wasnt valid that what he had was valid but never showed us what they had in document and I said I never sign anything with them manger stated he must took my arm off my body and sign very disrespectful And I didnt appreciate that at all the front desk XXXX try explain that we never got welcome letter till that day we went into office well both manger as really rude and didnt want here anything we had to say

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 2019-06-05 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: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
I have contacted the company for the information to be removed from the XXXX since it was inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: SC

Complaint narrative:
Someone using my information to take out loans and the location where its done I dont even live there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I transferred XXXX from my Fifth Third Early Access Account into my personal checking account. The funds were credited immediately. I went to my local branch on XXXX XXXX in XXXX, Fl and withdrew {$550.00}. I wrote out a check to myself for the amount.The teller, XXXX verified the funds were in the account before handing me {$550.00} cash. I returned on XX/XX/XXXX and made a cash deposit into the ATM at the same branch. I paid several bills when the account was liquid. However, on XX/XX/19 XXXX withdrew {$1300.00} which created an overdraft, Instead of returning the check for insufficient funds, XXXX XXXX paid it by mistake. To cover their error they changed all the dates for all the deposits I made. Next, they reversed all the check payments that were made when the account was liquid and charged me overdraft fees. They also added a fake check # XXXX for another {$550.00}, and they claimed that check was never debited either. XXXX is the real guilty party by creating a document with fake deposit dates. My deposits were made with cash. XXXX XXXX is alleging I owe them {$1100.00}. I spoke with two bank representatives who analyzed the transaction record and admitted the mistake. She told me {$550.00} would be returned to my account within two working days. The funds have never been returned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I became unemployed and applied for unemployment benefits. On XX/XX/XXXX I receive an email from unemployment telling me that I had funds on the card already. I never received the card, so I was surprised that funds were put in it. I waited a few days and when I didn't get the card, I called the bank. It's Bank of America. She told me the card " had left on XX/XX/XXXX '' and that I would receive it, first she said XX/XX/XXXX, then corrected herself to XX/XX/XXXX, when I answered surprised at the delay. She then proceeded to tell me that for a {$10.00} fee, she could expedite it. 

First of all, how do you " expedite '' something that is allegedly already in the mail? Second, why were funds placed on the card before I even received it? Does the bank retain the card purposely so they can charge desperate unemployed people {$10.00}? I didn't need the money urgently but was inquiring as to the status of the card, but some people do. As a matter of fact, I got the card the following day, XX/XX/XXXX, so had I been desperate enough to pay the {$10.00}, it would have been in vain. 

Some people can not wait, and will pay {$10.00}. I find it abusive business practice to prey on unemployed people when it's THEIR card and THEIR money, and they need it to survive. If unemployment had already put funds in it, that means the bank delayed it purposely to charge this fee, and also knew I would get it anyway soon, but tried to charge me for this. Plus, what kind of mail takes 10 days to receive? Again, the clue is that unemployment thought I had the card, which is why they put funds in it. 

Please investigate this predatory business practice on a vulnerable population. They shouldn't be doing this, and I hope they don't have access to the funds and they're not racking up interests on unemployed people 's money because that would be a whole different and larger scam. 

I got my job back. I want to report this for others who fall victim of this practice. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: IL

Complaint narrative:
I am pursuing the public service loan forgiveness program for my school loans through XXXX XXXX and they have not counted years of payments. I continue to call to verify the payment recount but they can not provide any update or estimate. In order to complete the program they must count all the appropriate payments made to verify the number of remaining payments. 

I was informed there are terms when more information is needed to count payments and it will be in review again. 

XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX-XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: WA

Complaint narrative:
I bought a car on the XX/XX/XXXX from a dealer. The dealer sent off requesting credit from multiple creditors. All of the creditors received a response of a " XXXX '' that is XXXX credit score or it read N/A. I was forced to buy a car as my only transportation broke down. I am disabled and need transportation to doctors. I am paying 28 percent interest and should be paying 7. The company is Equifax and I have contacted them by phone three times and they ask questions that I would only know if I had a credit report, the one they refuse to give me. The latest attempt was today XX/XX/2019 and same results. This has and will cause me financial hardship. This company is holding my life XXXX and I want to file charges if I can. I have read a lot of complaints about this company on the internet and can not believe I am the first to complain. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called Titlemax after seeing their commercial stating " Get a title loan with Titlemax. '' I wanted to know how it worked and I was told that my car would be used as collateral so I scheduled a time to come in. I brought in the title to my car and explained I needed a small loan. After they inspected my car and took pictures and sent to the corporate office for approval I was told I was approved for approximately {$3000.00}. I only needed {$500.00} so that was what I borrowed. I was told the due date and amount I would need to pay the following month. So I made the monthly payments and as time went on I was enticed to borrow more and since I'm on Social Security Disability ( SSDI ) I often needed it. The problems began when I actually had to borrow money to pay the current payment. I had no idea or understanding that my payments were actually interest only payments and none of it was going to the principal balance. Once I called and told them my payment would be late because I only get my SSDI once a month they charged me a daily late fee plus additional interest. I once asked if I could change my payment date so it would be close to the time of my SSDI payment so I wouldn't be late on my payments again but I was informed that they could not change the due date. For someone on a fixed income/low income I was drowning in this title loan debt. There were so many fees, interest charges that always got higher and daily late fees that I could no longer understand or keep up with. Rolling over the title loan from month to month and never being able to bring down the balance I actually owed forced me to file chapter XXXX bankruptcy on XX/XX/XXXX as I needed some help with a more manageable payment plan that I could afford to pay based on my income. I would later find out that Titlemax didn't have to participate in bankruptcy proceedings due to a ruling by the US Court of Appeals for the XXXX Circuit Court. I find it appalling that they refuse to negotiate a more reasonable payment plan and would rather repossess my car than get paid even through a Bankruptcy payment plan. I am not trying to get out of paying what I owe but I think a more feasible plan is needed under the circumstances. It would be more cost effective to settle this outside of a bankruptcy court but if Titlemax  is not willing to lower my payments so I can reasonably pay off my loan then I will have no recourse but to fight them in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have about {$44000.00} in federal student loans from Navient, who somehow found me a suitable debtor at the age of XXXX. This is between two loans, at 9.25 % and 9.75 % interest. At such a rate, I have a lot of difficulty making monthly payments that will actually take care of the principal, even when I am working and making a decent amount of money. The monthly payments came to about {$300.00} a month. Keep in mind, that is just the amount of private student loans ... I also have {$64000.00} in federal student loans I need to take care of. It's a long story but essentially I was ill-informed when I was taking out these loans, and I made a mistake in getting them. 
Well, back in XXXX I lost my job, but still kept making payments for two months like I was supposed to. However, in XXXX, I realized I would have trouble making future payments, and so I contacted Navient on XX/XX/XXXX. I told her that I was driving for XXXX, a XXXX-style company in  XXXX, and that I was barely making enough to afford rent, gas, and groceries. Seriously, I was hardly making anything, and could not get any help from my parents ( who owe about as much as I do ). 
And yet, when I call the woman at Navient, she raises my payments to {$310.00} a month. I'm making way less money, so she wants *more* money. Makes sense, right? 
I ask to forebear them for a month or two while I look for work, but she tells me that that would make the amount come due, and capitalize the interest. I didn't want that to happen, as it would make my situation even worse, but I couldn't even afford the XXXX payments. With absolutely zero sympathy in her voice, she asks if I want to connect a debit account. I told her yes, but I was unable to cover the XXXX payment, and might barely be able to cover it in time to be late for the XXXX payment. 
They really need to work with me on this. Either lower my interest rate to a manageable degree ( something like 3.8 %, which my car loan was ), or let me forebear them for another 30 or 60 days until I get another job. 
I need help, and Navient is simply unwilling to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
I deposited a large check on XX/XX/2019 and repeatedly asked four branches when the check will clear! I got several answers! 

All of it on XX/XX/XXXX! 

{$200.00} on XX/XX/XXXX! 

{$5000.00} on XX/XX/XXXX! 

Several more days after XX/XX/XXXX because it is a large check! 

Seems like XX/XX/XXXX! 

Dont know! 

It is not in the system yet. Call back tomorrow. 
Call our XXXX number! 

Incompetence all round! 

This is a bank? 

Time was of the essence because of an emergency need for the money! 

I was caused much distress and loss of hours of my time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation