vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-09 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Ive been requesting my free credit report from XXXX, Equifax, and XXXX  since last year i havent been able to receive them or no response!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account XX/XX/2018 and they said my money is blocked for 180 days. 

After 180 days i cant get my money back. It is only XXXX euros but its my money and they are no responding mails. By phone everytime they invent somthing. Amazing!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
i have paid off my XXXX XXXX XXXX XXXX XXXX  ( XXXX ) visa credit card in full and yet transunion is showing a balance of over {$7000.00}. they had it correct last month ( less than {$600.00} ), but this information seems to be from XXXX or XXXX of XXXX please update your files and report to transunion the correct XXXX balance.

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 2019-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Applied for free credit check. Entered discrepancies and never heard back from them. XXXX fixed it. But have heard nothing from other company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RAS LaVrar, LLC
State: FL

Complaint narrative:
CASE XXXX XXXX SOUTH DAKOTA XXXX, XXXX JUDGEMENT XX/XX/2009 -- - PAID VIA WAGE GARNISHMENT IN XXXX THROUGH XX/XX/2009 see attachment SATISFACTION FILED DEBT was PAID in full and fully released from debt XXXX GARNISHMENT ISSUED DIRECTLY TO XXXX XXXX XXXX NO NOTIFICATION SUBMITTED TO MYSELF PAID IN FULL SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/2019 I am a XXXX and a long time customer that recently deposited a commission check issued by a well established escrow company in the amount of XXXX. When I deposited the check, I was informed by a teller named XXXX that the funds would be available after XXXX that evening. In reliance on the XXXX release of the funds, a check was made out for XXXX to my partner for his share of the commission which was promptly deposited into his account. 

XXXX XXXX I received an email stating that the check was returned for insufficient funds. Upon arriving at the bank to clear the matter up, I was directed to the branch manager XXXX who informed me that contrary to the information given by XXXX, the bank elected to put a hold on the check until XXXX XXXX, without the courtesy of at least notifying me. Furthermore, I was informed that my account is being force closed. XXXX explained that the hold would expire on XX/XX/2019 and that I could return on XXXX XXXX to pick up the check. That afternoon, I confirmed with the escrow company that my check had indeed cleared. 

XX/XX/2019 Per XXXX request, I returned to pick up my check to once again find that I was misinformed by the bank staff. 

As of today, XX/XX/2019, my check still hasnt arrived.

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 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I ask on XX/XX/2019 to make a later payment like at the end of the year, but I was never told if I could now they are asking for a payment that I dont have right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C.
State: WI

Complaint narrative:
The company ( Trident Asset Management ) has failed in multiple occasions to provide me with account validation documents that I have requested. I reviewed my credit report and noticed a collection account for {$720.00} from Trident Asset Management. I sent them a letter for validation of the account on XX/XX/2019 requesting the original signed documents for this alleged account. I received a letter back which was just an bill print out, which is not a legal form of validation. I sent another letter onXX/XX/2019 stating that a printout is not a legal form of validation that the company received on the XX/XX/XXXXand they have not responded at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I sent this company a validation letter and they signed for it on XX/XX/19 although I didn't get the receipt for some odd reason, but the tacking # is XXXX about an alleged debt they claim I owe. What I received in return was a bill/statement. They have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately and that I have a legally binding contractual obligation to pay them the alleged amount, Furthermore The whole entry on my credit file of this account is completely inaccurate. They claim I owe XXXX but what shows on my credit report is {$900.00}. Now I am no credit expert but I do believe this kind of information needs to be completely accurate. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.

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 2019-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Atlantic Recovery Solutions LLC
State: IN

Complaint narrative:
On XX/XX/2019 a voicemail had been left on my phone by a Mr. XXXX  telling me he was with ARS I was sent documentation 3 weeks ago, and either I, or my attorney, needed to call him immediately. I had never received any information from ARS or anyone like them. Within a few minutes, I received a message from my dad that he was contacted by the same person. Then my brother. Then my wife. Then my grandpa. Mr. XXXX  called and left voicemails for me and 4 family members within, literally, 5 minutes. This is without any notice provided or even giving me a chance to respond to them.

After trying to reach out and figure out what this was about, I finally heard back from Mr. XXXX  on XX/XX/2019. He gave a very brief, quick rundown of the debt he was trying to collect and said that if this was not taken care of immediately, litigation would proceed. I let him know that I had still not seen any documentation about the claim. Mr. XXXX said the debt was around {$500.00}, but I could pay 65 % of that today, or break it into 3 payments of {$160.00}. I told Mr. XXXX  that I would not decide until I see documentation about this debt. Mr. XXXX  hung up on me. A few hours later, Mr. XXXX  called back and said it was emailed. I never received an email. Mr. XXXX  said, What do you want to do? I informed Mr. XXXX that I would not discuss this debt until I see documentation and verification about it. Again, Mr. XXXX hung up on me.

For a company/person that was so enthusiastic to call anybody that shared my last name, Mr. XXXX and ARS ( Atlantic Recovery Solutions ) did not have everything in order, and completed what was equivalent to a smear campaign against me with my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southern Management Systems Inc.
State: FL

Complaint narrative:
I have spoken to over 4 different representatives at this company. Explaining that I was a victim of identity fraud. I had numerous account including this one. I have disputed issue directly with rental company. They then referred me to Southern Management Systems. I explained issue and that I did not owe any balance and Southern Management Systems refused to help me saying I would need to dispute with Credit Agencies. I disputed with all three Credit Agencies XXXX, XXXX, and XXXX all disputes where denied because Southern Management Systems refused to accept my identity theft explanation. It has been over 6 years now and still no positive results after disputing every year. Balance said to be owed as of XX/XX/2019 is XXXX. This balance is inaccurate as it should be removed due to fraudulent account open initially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I had initially submitted a complaint because this company had never contacted me at all, especially with a debt that I do not owe. The account was closed and paid off completely. I received a response stating they have sent me numerous communications, however, I never received anything, even a phone call. My address has been verified and accurate, but nothing. I received their response stating they would send something, and after 30 days, I just received this unbelievably fake note as a supposed validation letter! I dont know how they would believe that I would think its real. There is no debt, no balance, and now I am forced to hire an attorney due to this fraudulent collection.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery claims that I owe them a debt. I politely ask the guy on the phone to validate the debt and the guy started yelling at me. I continued to get harassing calls from Portfolio. I have blocked them but they call 5 or 6 times a day from a different numbers every time.I work nights and I have not been able to sleep during the day because of the numerous calls. I do not have any association with Portfolio Recovery or owe them any debts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: MN

Complaint narrative:
Harassing phone calls everyday until i pay.

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 2019-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
On XX/XX/XXXX I found that {$330.00} had been taken out of my Huntington Bank Checking Account opened at the XXXX XXXX in XXXX Michigan, without my permission. Customer representatives at the XXXX XXXX are investigating and will get back to me. I researched and called Huntington Bank Corporate office in XXXX Ohio, explained unauthorized {$330.00} debited from my checking account. I have no credit card, mortgage or loan account with Huntington. My safety deposit fee is {$77.00} annually. Mr. XXXX a Corporate Executive received my voicemail. I was contacted by Ms. XXXX XXXX, who informed me that she was assigned to find out who and why Huntington Bank took the {$330.00} from my checking account. Weeks later Ms. XXXX told me she sent a letter USPS explaining what happened. Her explanation was that I had 4 years of unpaid safety deposit fees owed to Huntington. I was  assigned a safety deposit box in XXXX. I paid the year 1 rental fee or would not have received the 2 keys.I have not received any letter from Ms. XXXX XXXX, however I did a screenshot of her voice message and I have found 1 check that shows safety deposit payment. I am a Senior, who is tech savvy. I want my {$330.00} placed back into my checking account. My savings account with Huntington as of XX/XX/XXXX has the correct balance. My IRA with Huntington is FIDIC and SIPC insured and as of XX/XX/XXXX has the correct mutual fund shares and correct balance. I now moniter my Huntinton Accounts Weekly.! I can upload a copy of the check for {$77.00} and a screen shot of the voicemail from Ms. XXXX XXXX Corporate Huntington Executive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
This involves complaint XXXX which was closed prior to proper resolution.

I applied for XXXX Annual Recertification on XX/XX/XXXX. On XX/XX/XXXX, my XXXX application was denied. Yesterday, XX/XX/XXXX, complaint XXXX was closed incorrectly based on the company 's response.

My wife 's XXXX application was approved on XX/XX/XXXX. My wife is not employed. How can her XXXX be approved and mine be denied when we are married filing jointly?

The only thing that changed in terms of income in the last year was the Trump tax bill. My income at XXXX XXXX only increased moderately due to working full time at XXXX XXXX and XXXX for two months due the necessity of replacing the engine, alternator and rack and pinion on our 2008 XXXX XXXX, a {$7300.00} expense. I remain a XXXX XXXX XXXX XXXX at XXXX. I will be in a similar position next year as I worked full time at XXXX XXXX during the Trump federal government shutdown. My wife remains XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ

Complaint narrative:
We are currently paying Mortgage insurance. We have had the loan for over 6 years. The loan originated sometime in XX/XX/XXXX/XX/XX/2013. According to everything I have read, the MIP can be eliminated after 5 years if the LTV is less than 78 %. The appraised value of our home, as noted on the loan, was {$530000.00}. I originally tried to have it discontinued after after 5 years as that is what I was told when i got the loan and the house appraised at $ XXXX. I was told the law changed and it was now 10 years. I recently looked up the law myself and discovered it was still 5 years for loans that originated beforeXX/XX/2013. I applied to have it discontinued and was told the LTV is greater than 78 %. We currently owe {$340000.00}. By my calculation, that makes the LTV 66.84 %. When I called the company, they told me it was becasue you have to wait 10 years. I cited the law. They said, " Owe, sorry, our mistake ''. Then they said it was because I had late payments. I have not had a single late payment although there is a line on my history of payments that says " fees for late payment '' but the line is {$0.00}. I printed the report. Then they told me it was the LTV again. But when I ask them the value of the home and the payoff, they say that there is a clause or something that they won't share that make the LTV greater than 78 %. I have called several times, every time we go through the same process of them claiming the three different reasons and when I accurately refute them all, they tell me that someone will get back to me. At this point, we have paid well over {$4000.00} in MIP that we should not be paying. I don't know how to get rid of this without hiring an attorney that would just cost more money.

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 2019-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Received call from AR Resources INC. without identifying who they are first. Representative stated is this XXXX XXXX and I asked who is asking and the person did not want to identify his/herself. On XX/XX/19, I noticed this account was submitted to credit bureau without given me the opportunity to pay. I called the company and paid my debt. Payment confirmation # XXXX and AR Resources stated the account would be deleted from the credit bureau. Please have company expedite this request because I need them to take this account out of my report. 

Account # XXXX Paid in Full {$500.00} on XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: CA

Complaint narrative:
On XX/XX/2019, AFNI filed a claim with the credit reporting agencies for a debt of XXXX $ associated with an XXXX XXXX XXXX account. This debt is invalid. I have sent them a letter via certified mail requesting proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: TX

Complaint narrative:
1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing. 

2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account. 

This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?

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 2019-07-09 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: FL

Complaint narrative:
Equifax : ( multiple complaint ) 1-a PAID/CLOSED account keeps 'reappearing ' on my EQUIFAX report. 

2- the amount belongs to another creditor. 
wrong entry : XXXX XXXX XXXX  = {$200.00} correct info is : {$200.00} XXXX XXXX XXXX XXXX XXXX  paid years ago. 

3-Equifax sent an email link that claim it couldnt verify my information, BECAUSE they had the INCORRECT INFORMATION. 

Name spelled incorrectly/ Occupation-incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09 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: NC

Complaint narrative:
ACTION : Experian Reinserted deleted items from my credit report without notification in writing within 5 business days, which is a deliberate violation under Fair Credit Reporting Act Part ( A ) ( 5 ) ( B ) ( ii ) Purpose : I ( XXXX XXXX XXXX ) demand an immediate permanent deletion of all items reinserted. 

See Attachment EXHIBITS 1-4

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