vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
To date, I have called in one dispute and mailed four dispute letters to TransUnion starting in XX/XX/XXXX and to date, I have not received a written response from this company. On XX/XX/XXXX I was notified through my credit monitoring company that my FICO score had decreased by 10 points due to TransUnion reporting a delinquency on my report from a XXXX XXXX account I have been disputing with them. In my dispute of the XXXX XXXX accounts, I asked that they provide me with the documentation they used to verify the accuracy of the account. Not only did they not comply, they have made changes on my report since I started disputing the incorrect information on my account in XXXX and have not mailed me anything regarding the outcome of any of their investigations. When they reported on 13 XXXX XXXX accounts, they never validated that information, because had they done so, they would've known I had graduated college before some of those accounts were even opened and we all know, once you have finished college, or have stopped attending, the money becomes do, however, Transunion is reporting new loans opened after I finished school. I asked that they provide me with a promissory note showing that I was able to take out education loans AFTER I completed my education. XXXX XXXX is known for re-aging accounts and TransUnion is complicit in this illegal act by not doing due diligence in investigating consumers complaints. We all know TransUnion does not work for the consumer, but I have a legitimate argument, and I demand they delete all of the items they have not been able to validate and send me an updated credit report reflecting this. I am going on two and a half months with no correspondence from TransUnion, I now just rely on my credit monitoring company to alert me when changes are made to my reports. Delete those fraudulent XXXX XXXX Accounts, Delete all of the information I have disputed with you that you have failed to respond to within the 30 day time period.

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 2018-04-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: CT

Complaint narrative:
On XX/XX/2018 I received a letter from a debt collector called TRANSWORLD SYSTEMS INC.stating that i owed XXXX when I called a representative to find out what the bill was in regards to she stated that it was for apparently running 3 tolls that cost XXXX each. When asked why the bill was XXXX she stated it was for violation fees.I stated to the representative that this is the first letter that I have ever received otherwise the tolls would have been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Source Receivables Management LLC
State: MD

Complaint narrative:
XXXX and XXXX XXXX is reporting derogatory marks on credit reports. On XX/XX/2018 I sent full payment for the balance of my pass due accounts to : Source Receivable Management in the amount of {$380.00} and XXXX XXXX XXXX in the amount of {$110.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I just logged in to my Experian account and it is saying there are 5 new collection accounts and 3 new open accounts, and I have no unpaid accounts and haven't opened any new accounts and considering the ongoing battle with identity theft, I check my credit reports regularly. However, Experian is not showing what the new collections are for me to dispute or the new accounts AND their website will not allow me to get a current copy of my credit report so I can see the accounts to dispute them and I have their XXXX premium {$19.00} per month membership. How am I supposed to dispute accounts if I can't even see them on my credit 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 2018-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I have a credit card with XXXX XXXX and they track my credit score from Trans Union using XXXX XXXX. Between XX/XX/XXXX ( when my score was XXXX ) and XX/XX/XXXX, the score was downgraded to XXXX. 

I discovered this when I applied for a new car loan on XX/XX/ and was informed that my score was XXXX. 
I subsequently got a copy of my credit report from Trans Union and called to find out why my score had dropped. There is no indication as to why this happened on the report.

I called Trans Union and got nothing but a run around as to why they dropped the score. I asked repeatedly for a reason and all I got in reply is that " the computer generated the score '' or " there are many factors that COULD affect the score ''. I was never able to get a definitive answer as to why my score was reduced. I finally asked to speak to a supervisor and eventually was cut off. 

This agency ( as well as the others ) affects the entire population of our country and to get answers like that is disgusting. It seems that the credit reporting agencies are not held accountable for their actions to anyone and I feel that it is time that they are.

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 2018-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
I have been a customer on Nation Star mortgage since somewhere around XX/XX/XXXX, after they had bought the loan from XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX reported that the account was not current, and I was a month behind. I spent many hours with Nation Star rep 's about bringing my account up to date. It was understood that I needed to pay an additional sum of {$940.00} to bring the account up to date. I made additional payments to Nation Star with separate checks, paying the {$940.00}. At that time my wife and I decided to enroll in the auto pay program to avoid any problems in the future. The account had been set up and we were paying on a schedule. After a while we stopped opening the monthly Nation Star mail. It just confirmed the payment made. This process continued for a five year period. We did not get any phone calls, nor emails concerning a problem with the account. InXX/XX/XXXX we received an envelope from a business titled " Mr Cooper ''. being unaware of any business titled " Mr Cooper '' we opened the envelope. We learned that Nation Star was now Mr. Cooper. We had been paying {$3700.00} electronically for five years. Now with this letter from " Mr Cooper '' our monthly payment was {$5000.00}? There was no explanation provided. The difference in the payment was {$1200.00} which was listed on the ( total fees and charges ) line of the statement. We called the next day and learned that the payment we made to bring the account current was never applied? They did not have any records showing the payment. One of the reps stated that the extra funds could have been applied towards your principle instead of towards the shortage in the account. I attempted to resolve the problem and called the Mr. Cooper office numerous times with no results. One call was placed to a rep identified as " XXXX '' XXXX. She suggested that I call her back tomorrow, and she would connect me to the office where they can negotiate a payoff. I called her several times over the next 3 days, and never got a response. One rep stated, " don't worry about it, you wont be asked to pay until you sell your house! '' This lending institution is NOT willing to help no matter how hard you try! They refused to provide me with their cooperate number and suggested that I write a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Opened a credit line with XXXX XXXX XXXX and their XXXX card when I got XXXX XXXXXXXX in XX/XX/2015. I was pushed to sign up for paperless statements from their customer service team when I first called to get the details of my account ( when bill is due, min due, etc ). I signed up for the paperless statements, and call every so often to get status updates on my account. Nobody ever mentioned that the promotional time was coming up to have the bill paid off otherwise I would be hit with all the back due interest. I think it is crazy that they push people to sign up for paperless statements, but never actually give people the statements, they simply send an email that the statement is ready and you need to go jump through hoops of logging in and finding your statement on their website. They are pushing people to sign up to never actually receive a statement. They don't inform customers of important dates coming up. 

XXXX knowingly and fraudulently creates a system to make it more difficult to manage important dates and terms of your account, solely to maximize profit on the backs of unsuspecting consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: CT

Complaint narrative:
Recievd bill from debt collector ERC in regards XXXX XXXX for a bill of XXXX which is incorrect. My service was cancelled with XXXX due to having no service dropped calls and poor service.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC
State: SC

Complaint narrative:
Receivable Performance is reporting a collection for a debt I didn't authorize. The mark is negatively impacting my score in which I was recently denied credit. This account is causing me damages. I have disputed it with the credit bureaus and have filed a identity theft report through the FTC and had it forwarded to them as well as the credit bureaus. Im beyond upset about this and want it to be resolved 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 2018-04-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: PA

Complaint narrative:
After many attempts to coordinate billing efforts with XXXX XXXX Hospital I  have called in to ask repeatedly, multiple times per year - for MANY YEARS - to assure that I have paid ALL of my bills, as XXXX/XXXX Hospital ( they used to be separate but now the have merged ) - this entity has a lengthy history of NOT notifying Patients/Clients/Customers of their bills, providing incomplete statements, providing services from unauthorized individuals ( read : blacklisted 'doctors ' who should be barred ), and fragmenting accounts, making it virtually impossible for Patients/Clients/Customers to pay bills in a sincere, deterministic, and reliable manner. This is one of MANY instances where I received a past due, or in this specific case a COLLECTIONS letter on an account after repeatedly calling in and doing a full accounting, requesting clarity of accounts and any/all bills due for my wife, my children, and myself. 

I am so sick of this - its just plain wrong. This has been going on for years!!! I have near perfect credit and that takes hard work and mindful presence. The processes of these companies violate this on that level ... 

Specifically, for THIS complaint I was NEVER notified of ANY due/bill/charge for the service reflected in the attachment, [ XXXX XXXX HOSPITAL account number XXXX dated activity XX/XX/2017 balance {$10.00} ] - This was apparently provided for my daughter in XX/XX/2017, which also seem to be a very short period of time to go into a collections process ... I would have thought maybe 90 days after a KNOWN bill, or 6 months after something like this - but it has not even been that long, its just more random awkward incorrect unprofessionalism. 

I am confident that someone from the CFPB can look into this and apply a corrective action to prevent, or at least minimize this from happening in the future. 

In addition I will be opening another complaint specifically again XXXX   hospital for their inconsistent charges, whereas they provide services to Patients/Clients/Customers at one of their own 'owned/affiliated ' facilities for one price, and the same services at another, often for 3 to 4 times the cost - for the exact same service. 

Thank You.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: OH

Complaint narrative:
I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.

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 2018-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
Around XX/XX/2018 ( I do not remember the exact date ), the grace period for my Perkins loans ended. Upon logging into my XXXX XXXX account, the company that is contracted with XXXX University to service both their private loans and their Perkins loans, I noticed that they had charged me a few months worth of interest. As Perkins loans are subsidized, there should be 0 interest until the grace period has ended. I contacted their customer service, and they resolved the issue, getting rid of all the interest.

Ever since I began repayment of my Perkins loans, I have been overpaying, mostly because the website is very confusing and does not indicate how much one is supposed to pay every month. In two months, I paid ~ {$200.00} ( on a ten-year term, {$5000.00} principal, 5 % interest Perkins loan ) -- when really I only owed around {$100.00}. ( I don't know exactly how much I owed because the website does not tell you. The " amount due '' changes every day ). 

Then, yesterday, XX/XX/2018, I logged into the website to find that Heartland had marked me as past due by {$10.00} on my student loans. Because I have been overpaying, I believed this was a mistake, and after contacting them, they updated my account to no longer reflect past due. It is now current. 

However, I am still unclear on how much I owe every month. Customer Service has finally informed me that the answer is {$55.00}, which I have been paying, yet I was marked " past due '' when I paid that amount in XXXX. I have attached screenshots of my payment history, as well as the other information that Heartland provides me. As you can see, while their website states that I owe {$54.00}, it is unclear whether this is the amount I should be paying every month, or not. In the statement from yesterday, they stated that I owed {$68.00} ( {$10.00} past due ), while today, I owe {$54.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax has my name wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I have used XXXX  multiple times before for loans and refinancing of them, all of which were paid in full. 

After refinancing a loan as I had previously done, I contacted XXXX   on the XX/XX/XXXX because I could see TWO loans on my credit report and I was receiving emails regarding a past due balance when I only had ONE loan. 

The XXXX  customer service rep advised the following ; Looking further into your question regarding the two loans that are showing up on your credit report it is showing due to you refinancing your loan is the reason it's reporting that at this time as soon as your loan is paid off it should reflect as only one loan. I continued to make payments and paid the balance in full on XX/XX/XXXX. 

When I log into my account it shows no payments are due and that the loan is paid in full. ( I can not make any payments online because there is no outstanding balance ) I have now received a XXXX in the mail on ( XX/XX/XXXX ) for a cancellation of debt. XXXX  have reported to the IRS that they have canceled {$1200.00} of debt. I have contacted XXXX   multiple times to resolve and am having XXXX cooperation. They said they conducted a thorough investigation ( yet provided no details of such ) and have said that their records are correct. 

I complained via the XXXX ( complaint ID XXXX ) and they have pointed me in the direction of www.consumerfinance.gov.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30 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: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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