vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and TransUnion LLC, XXXX and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2018-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
On XX/XX/2018 and XX/XX/2018, I requested proper validation from Choice Recovery stating I wanted some type of contract between myself and the debt collector stating that I am legally liable for this debt and they have the legal right to collect from me. I haven't received any type of documentation from this debt collector. It has been long past the 30 day period this debt collector has to furnish such information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: CA

Complaint narrative:
I was given misinformation about my repayment options and directed into forbearance even when there were other options available to me and going into forbearance would have hurt me on my path toward public service loan forgiveness. Also, the loan servicer I spoke with was not up to date on her knowledge about new programs ( temporary public service loan forgiveness ) and told me I was incorrect and wouldnt transfer me to a different servicer when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
My lender at the present time is SPS and my loan was serviced transferred to them in XX/XX/XXXX and before that was XXXX. Either lender has REFUSED TO OFFER ME ANY MORTGAGE ASSISTANCE AT ALL. My interest rate is 8.5 % that is so high for these days and asking for help over and over again but to give me a outrageous repayment plan I can not afford. Below is what they gave to me and this will not even take me out of foreclosure. I want something more affordable and at the going rate today of 4.25 % to 4.75 % and this home would be affordable for me to keep. 


SALE DATE XX/XX/XXXX APPROVED FOR REPAYMENT ONLY OFFER AND LAST OFFER NEW PAYMENT WILL START XX/XX/XXXX FOR 12 MONTH RE PAYMENT PLAN NEW PAYMENT WILL BE {$7200.00} THERE IS NO GRACE PERIOD AT ALL HE IS P/D 110 MONTHS TOTALING OVER XXXX THIS WILL NOT BRING HIM CURRENT AFTER THE 12 MONTHS HE WILL HAVE TO RE APPLY AGAIN SALE DATE HAS BEEN SET FOR XX/XX/XXXX NOW IF THIS OFFER IS NOT TAKEN THEY WILL NOT OFFER ANY OTHER OPTIONS FOR HER AT ALL Even with my first lender was XXXX they did not offer me nothing. I have been trying and struggling to keep my home and get back on track with my lender SPS but they have made it so difficult for me to even get on track with such a large payment and nothing is a guarantee either they wont take my home after i would agree to anything. 
So it all comes down to one thing, not XXXX TO SPS have given me one modification at all since i have obtained the loan in XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened an a new savings account ( a check for {$2400.00} ) at Citibank with the branch manager - XXXX XXXX on XX/XX/XXXX. The branch is located at XXXX XXXX XXXX, XXXX XXXX, NY. ( I have a copy of the deposit slip and cancelled check. ) I have other accounts with Citibank for many years. In XX/XX/XXXX, I realized I had not gotten any statements from the bank on this account and I went to see Mr. XXXX. He said he had no record of the account and said he would investigate it. In XX/XX/XXXX I  stopped in the bank, and Mr. XXXX said I should have gotten correspondence saying it was being investigated. I never received correspondence. On XX/XX/XXXX, I went to the Citibank branch on XXXX XXXX XXXX and was told that I should speak to the branch manager at XXXX XXXX XXXX. I have made numerous calls to Citibank and get transferred to various people who do not help me. On XX/XX/XXXX, I was told that a case research XXXX XXXX ( Executive Response Unit at Citibank ) was going to investigate and to call in a week to 10 days. I called on Monday XX/XX/XXXX and today XX/XX/XXXX and left messages. He does not return my calls. I went to the XXXX XXXX XXXX Citibank today and was told that my funds must have been turned over as unclaimed property, but they have no record of this. I called today and spoke to Client Relations at  Citibank and they finally opened a case ( # XXXX ).  Client Relations said that the Executive Response Unit had  closed the case without any explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-23 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-10-23 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I opened a citi checking and a savings account on XX/XX/18 in a branch at XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. The banker who opened the accounts for me is XXXX XXXX. There was a promotion of {$400.00} bonus if I keep more than {$15000.00} deposit into the account ( combined ) for 60 days. It has been almost 6 months past and I have NOT received the bonus. I have contacted the banker several times through email, call ( left voice mails asking to call back ) and walked into the branch ( he was off on that day ) I have never received his reply. I would have no other choice but to file a complaint against it. I was hoping Mr XXXX would take a close look and escalate to see why I haven't received the bonus. 

My checking account no is 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 monetary relief
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: United Student Aid (USA) Funds
State: FL

Complaint narrative:
I was under the assumption that my student loans were paid off. I have contacted the US dept of education ( which have been very helpful ). Because they service my loan now. Which should be at a XXXX balance. The problem I am having is United States Aide funds will not send me a transaction history now. I am disputing my balance that they sent the US dept of education that I supposedly still owe. I have recorded phone calls of representatives hanging up on me and supervisors avoiding my calls. I have two voicemails currently waiting to be answered. On a second note I tried to rehibilatate my loan early in the loans life. I made the required payments and faxed them the contract they sent me only to be told I had to go through the rehibilitation program again. I told them I would not be dealing with them and they can take it out of my taxes. Keep in mind this was as far back as XX/XX/2008. Now I am running into the same runaround as back then. They refuse to give me any information on getting a transaction history from them. 
They keep forwarding me to the Us dept of education since they are now my ( should be paid off ) loans servicer. USAfunds is a joke with customer service and am also sure they are/or have violated many federal collection laws during the terms of my loans with them. My loans should be paid off and I can't get them to send me any info concerning my account. Please help me!!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: TX

Complaint narrative:
They call me every single day begining at XXXX XXXX all the way until after XXXX XXXX i receive about 6 calls a day for almost 2 months now. i have already told them to stop callimg me because my phone number they are calling to belongs to my XXXX year old son. So instead they will put a vocie machine to talk for me to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
As of XX/XX/2018 my mortgage was sold from XXXX XXXX to Rushmore LC company. I was out of state made my payment by logging in to system ( XXXX ) and paid XXXX on XX/XX/18. I started to get collection calls from XXXX telling me its a attempt to collect a debit. This Is when I realized My mortgage had been sold. I was told not a problem it will sort itself out all payments will be wired over with my loan information. I returned to GeorgiaXX/XX/XXXX tried to set up and log into Rushmore new lender to make my XX/XX/XXXX payment. System reflected I still owed for XX/XX/XXXX. So I called in was told just make my XX/XX/XXXX payment I did not feel comfortable with that so I went to my XXXX XXXX and mailed money orders writing in the XX/XX/XXXX month in memo. So it was clear what month I was paying for. I continued to do this to date XX/XX/2018 calling in, sending in e mails to be told over and over by Rushmore people or it will fixed it self our research team is on it / I have just escalated your account. Blah blah blah ... .. It is XX/XX/XXXX and I go to log in to pay for XX/XX/2018 payment to see it has still not been fixed. I have sent in my XXXX XXXX statements as proof from my bank in the mean time I have been getting harassing collection calls. I believe it is reporting late payments on my credit reports. I need help on getting this situation fixed. I do not know who to reach out to for help they say they see the payment and yet no one has fixed my account. I also had a homeowners insurance overpayment from XXXX during this time that could have been refunded to me but instead I asked XXXX to go ahead and send it back to my Mortgage lender as a escrow credit. Which I don't believe has been applied properly either in the amount of {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: OK

Complaint narrative:
i have been trying to get a resolution with the lender and we keep going back in forth with mixed updated. When I call they advise my file was under review but they later advised that it was removed due to missing documents. 

I am just getting the run around when i am trying to save my home. They even advised me to file a complaint and don't care about their customers Please help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, XXXX  and Equifax are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: TN

Complaint narrative:
I am a victim of Identity Theft. I was advised by the FTC as to my rights as an Identity Theft victim. I sent in an affidavit and a valid police report. I was careful to include all fraudulent accounts and addresses which needed to be removed from my account. I was informed that the bureaus after receiving proper Identity Theft affidavit and police reports should according to FCRA laws, block these fraudulent accounts within 4 days. It has been several months and XXXX XXXX, Experian and XXXX are still reporting these fraudulent accounts on my profile. The law is very clear as to the civil liability and the remedy available to me ( section 616 and 617 ) if the Bureaus fail to comply with federal law. The bureaus have failed to comply with the FCRA laws and they have not blocked or removed these fraudulent accounts which were opened by a thief and not me. Please contact these bureaus about their illegal behavior and have then comply with federal law and respect the rights of Identity Theft victims, such as myself.

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 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have had an account with Capital One for a long time I was late on my payments a lot but have for a while now been doing better and paying on time every month because I am about to purchase a house. I sent an email to the CEO to request that they forgive me of two late payments for XX/XX/XXXX and XX/XX/2018 and I express that this was the only thing holding me back from home ownership. I had some financial difficulties at the beginning of the year it was really hard as I am a single mother. But I have bounced back and I am doing really well and paying my bills on time. I have seen Capital one give forgiveness with other members and they denied me saying they don't forgive late payments which would be untrue. I also have a credit card with Capital One that has been in good standing from the start and I have never been late. I would like to know why I wouldn't be eligible for this process and others are?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
XX/XX/2018 I won the AARP daily deal for a Walmart gift card for {$10.00} and they wouldnt let me have it. Its a bait and switch FRAUD scam there running!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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: IN

Complaint narrative:
I recently seen there was unauthorized credit inquiries on my credit file which I had not authorized, they were all ran on the same day as if my credit report was ran multiple times by multiple lenders. I haven't been running my credit or gave authorization to anyone to run it. I'm hoping to get this resolved in a timely manner. 

Transunion has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   has the following unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has the same inquiries as transunion.

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 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting an incorrect account status remarks from XXXX XXXX. 
XXXX XXXX should be reporting the following account status remarks " Closed by credit Grantor '' TransUnion is currently reporting account status remarks Chapter XXXX Bankruptcy. 
As of XX/XX/2018 i do not have a chapter XXXX Bankruptcy on file in my TransUnion Public Records. 

Please see copy attachment from my latest XXXX  credit report to see the correct reporting status from XXXX 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 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OR

Complaint narrative:
US bank is harassing me for collection of over {$1000.00} in nsf and late fees and is having a collection agency from Texas call me and harass me for over {$3000.00}. This collection agency has left me voicemails saying they are coming to my home or workplace to serve me with a summons on behalf of US Bank. These tactics are entirely unacceptable. I called the collection agency who failed to identify themselves ( phone  number is XXXX ) and I asked them what their voicemail is about. The account in question is over 10 years old and I disputed the claim then, originally an nsf item which overdrew me less than {$10.00}. To think that I am being assessed over {$3000.00} for this is absolutely unethical and unconscionable. This issue is not on my credit report and I refuse to be bullied by US Bank or its collection agency. The collection agency said they were going to garnish my wages and said that I mismanaged my account and attempted to defraud the bank!! They are defrauding me! I told the collection agency that I disputed the validity of the claim then and now, and I refuse to pay this. I will continue to report this behavior and I do not want to be bothered with this anymore. This problem was entirely created by US Bank. Please help. 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