vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-29 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: FL

Complaint narrative:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XXXX, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

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 2019-10-29 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: EQUIFAX, INC.
State: FL

Complaint narrative:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The company has still failed to address 2 major issues. 1 ) falsifying credit bureaus reporting the amount of actual debt owed ( real debt amount current equals {$12000.00}, Reported to credit bureaus {$28000.00} ) 2 ) They have not taken off {$290.00} interest charge made entirely in their fault and a breech of contract on a 0 % APR card, due to them tripling my debt. Quite frankly dealing with this company has caused me immeasurably grief, and financial hardships, I am now unable to do balance transfers to any other card, because of them lying to the credit bureaus about how much debt I have, which has also lowered my credit score by over 20 points. I demand them to immediately remove the {$290.00} interest charge, send an immediate letter to all credit reporting bureau with EVERY single error made on their part, and send me a copy so I can make sure my credit gets repaired. The last part should be checked by a 3rd party arbitrator, since XXXX has made dozens of mistakes over the last 6 months. Here are all of the mistakes I see since getting this account : Falsly claimed an interest charge of XXXX-XX/XX/19, falsely added {$14000.00} in debt XX/XX/20, Falsey added {$290.00} in debt with interest charge.

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 2019-10-29 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: VA

Complaint narrative:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX  it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my XXXX   and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
I have contacted XXXX XXXX XXXX the lender that has my loan through my university about late reporting they have done on my credit. In XXXX I contacted the company and they advised that I had a late payment I needed to make. I made the payment and specifically asked the rep numerous times if it would be reported as late. He advised that it would not. My goal of the call was to bring any outstanding payments current including my XXXX payment which was also due. I also set up a payment arrangement because I want to buy a house next year and I wanted to ensure that no late payments would be made ever again. The rep set it up for XX/XX/XXXX knowing that this would make my XXXX payment late as well! I was not aware of this until the derogatory mark hit my credit. I happened to call UAS Accounting when I found out and even changed my payment date to the XXXX because I never wanted the payment to be late in the first place! If I was setting up payments in order to avoid being late why would the representative advise me incorrectly????? I have asked the company to pull the calls and listen to the representative and my conversation and they will not do so. I have also contacted XXXX  but UAS Accounting is refusing to help me. I am asking that this company remove these negative marks from my credit as this was an error in their representatives communication to me that has caused all of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Current Paypal Credit Account Balance {$450.00} 1 ) XXXX - Monthly payment due and completed with no problem - {$49.00} 2 ) XXXX - Submitted a minimum payment of {$28.00}. 
3 ) XXXX - Minimum payment returned of XXXX {$28.00} ) 4 )  XXXX - Returned payment fee charged to my account {$27.00} 5 ) XXXX - Minimum payment 2nd try of {$28.00} 6 ) XXXX - Minimum payment returned of ( {$28.00} ) 7 ) XXXX - XXXX purchase through paypal linked to my XXXX XXXX account {$410.00} 8 ) XXXX - Spoke with payapl customer service about what was going on with my monthly payments being returned and the returned fee to be refunded ( never refunded ). Another payment was made for {$65.00} to cover balance. 
9 ) XXXX - payment returned ( {$65.00} ) This is very frustrating due to the fact this is the second time I have had a low balance credit account with Synchrony Bank that I have had this issue with returned payments. My bank account is correct and was confirmed over the phone via the last 4 digits on the account. This is also frustrating because this is effecting my credit score which XXXX doesn't care anything about just wants to cancel my payments so it looks like I am not making my payments. This needs to be acknowledged and fixed with XXXX before it escalates any further.

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland funding is attempting to collect a debt that's satisfied. Made several attempts to resolve issue and company failed to comply according to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation
State: SC

Complaint narrative:
I disputed the debt online with XXXX  XX/XX/2019. 

I checked my credit today and reported it again through XXXX. I have no acknowledgment of this debt. Ive never received any information about it. Ive never opened an account through this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SCA Collections, Inc.
State: TN

Complaint narrative:
I have received several letters from SCA Collections. Each time I have responded with a written letter informing them that I do not owe the debt. I have included with each correspondence a copy of my billing statement from XXXX XXXX of XXXX XXXX showing a XXXX balance. I logged into the XXXX XXXX  website this morning and verified once again that I do not owe them any money. My insurance has paid their portion and I have paid my portions. I am mailing my 4th letter to them today asking them to stop contacting.

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 2019-10-29 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: C.Tech Collections, Inc.
State: PA

Complaint narrative:
C tech collections to furnish incorrect information on credit file. This also is a HIPPA Violation. I continue to reach out to company, however ; non-complainant according to FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MoneyLion Inc.
State: OH

Complaint narrative:
The collections agency for this company has called numerous times, often leaving threatening messages regarding a debt I owe to them. The messages were in such gross violation of the fair debt collection practices act, that I didnt even give them a second thought as being an actual debt collection agency until last week. They have called representing themselves as attorneys and law enforcement, they have used terminology that would lead an ordinary person to believe they were going to arrest me for not paying the debt, and insinuated that I had committed some serious crimes by not paying the debt. They also created the illusion that they were going to seize my assets, which the contract provides them no right to, and they somehow have information about one of the vehicles I own. They brought up this information during the only conversation Ive had with them, presumably as a scare tactic to make me believe they were going to seize my car. In addition to these violations of the law, they are also very rude and disrespectful

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from XXXX on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at XXXX, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from Transunion it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

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 2019-10-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Tuesday XX/XX/2019 Two weeks ago I filed an application to obtain my free annual credit report from the three credit reporting bureaus and included my driver 's license, social security card, banking statement, and insurance statement. I received a letter from Experian on XX/XX/2019 instructing me to file these same documents again and that I could use the online filing method at experian.com/upload, which I did. They asked for verification documents and the Report # which was on the letter they sent me. After logging in and trying to view my credit report, when I pulled it up it is just a blank page. When I went back to XXXX and tried to view my free credit report request from XXXX it said I already received my report which is not true. I have just recently been released from federal prison after serving 10 years and am finding out that loans, school loans, home equity loans and more have been done in my name during my incarceration and am trying to obtain my credit report because that is the first step in figuring out what I will need to do to make sure my credit report is accurate. These credit bureau websites are not helpful, nor when I call the numbers will they let me speak to a live human being to explainmy situation.

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 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
CHASE STOPPED MY REOCURRING RENT CHECK THEN HAD ME WITHDRAW AND BUY CASHIERS CHECK THEN RETURNED MY STOPPED CHECK TO PAYEE AND SHE ADDED NEW SIGNER AND GOT PAYMENT TWICE AND ON STOPPED CHECK. CHASE IS MESSED UP. SINCE I PAID TWICE AND CHASE CAUSED THIS-I WOULD LIKE PAYMENT FROM CHASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had XXXX until yesterday and made several purchases thursday to sunday which showed in my account and were deducted and account was positive in good standing balance XXXX. Monday i made some checks to some people on which funds were deposited to the other persons account on Tuesday. Today ( tueday ) I checked my business account and is showing an overdraft fee of {$720.00} i also had other deposits coming. The overdraft fees were comimg from transactions that were done on the weekend which at the time the account was POSITIVE and still is ( the account has not been on negative, or they were not showing it ) Today its showing an excessive fee and the way the bank put the transactions were as they were done after the  checks were paid so they could charge me an excessive amount of fees. Is not the first time they have done this to my account. Regions

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 2019-10-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America is still under investigation with XXXX and XXXX. 
I am updating you with more proof this account does not belong to me and should not have been re-inserted on to my credit without giving me 5 day notice and without actually providing proof of verification. The case ( BANK OF AMERICA, N.A. vs XXXX XXXX ) has been denied IN THE STATE OF XXXX XXXX STATE OF GEORGIA. PLEASE REMOVE THIS ACCOUNT until you provide the proof requested in my previous letters sent to you to VERIFY this account. If you verify this account, PROVIDE the method of Verification. I do not consent to E-Oscar and would like for a REAL response with RESULTS. Remove Both Bank of America accounts immediately! The investigation is set to be done by XX/XX/2019. I ask that you include this in your investigation now!

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 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
I got one phone call about a debt owed. No formal notification of the debt from the company or the company that we supposedly owed the debt to. Next thing I learned was that it was added to my credit report without any type of formal communication or the ability to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MA

Complaint narrative:
I have three student loans through Navient. I was told that by placing my loans on auto pay so that the company takes my payment right from my bank account, I would get a 0.5 % deduction on my interest rate for all of my loans. I have been paying regularly in that manner and they have not been crediting me the 0.5 % deduction I should have been getting. Therefore, I am paying more in interest each month, leaving less going to my principle balance. When I called to try to ask why this was happening, the customer service representative gave me wrong information again stating that two of my loans were getting the deducted rate but the third was not despite it also being on auto pay. The interest rates that he quoted my two loans that were supposedly getting the discount are different rates than what shows on my statement sent to me by mail every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Franklin Collection Service, Inc.
State: MI

Complaint narrative:
Franklin Collection Service called me at work, caller 's name was XXXX XXXX. When XXXX identified herself and told me that she was calling from a debt collection agency, I told her that I can not accept these calls at work and that she needs to call my cell phone. XXXX then yelled at me and told me that she can call me anywhere that she wants. I then got very upset, and I told XXXX that she is under no circumstances allowed to call me at work, as my employer does not allow it. XXXX then yelled at me again and said " then why don't you pay your bills? Maybe if you'd just pay your bills, I wouldn't have to call you at work. '' I told XXXX that if she did not quit harassing me, that I would be speaking to my lawyer. XXXX said " you go right ahead and get your lawyer, ma'am, he ain't gon na help you. You need to pay your bills. '' I then asked for XXXX 's full name, she said " XXXX, but I already told you that, you don't listen. '' I said " What is your last name XXXX? '' She said " XXXX. '' I said " What is your phone number where I can reach you at? '' She gave me the phone number. Then I asked to speak with her supervisor. XXXX said " you can speak with my supervisor, ma'am, but he ain't going to do nothing for you. '' The supervisor was a male, and he was just about as rude as XXXX. He got very offended when I asked for proof of my debt through XXXX, and he again told me that I just needed to pay the bill. I told him that I will not be paying any bills, as I do not believe that the amount is correct, and I am disputing the balance. Supervisor still pushed to have me " take care of my bills '' after being told I was disputing it. I told the supervisor if they wish to see any payment, they need to have less attitude and treat people with respect. I said " I have already told you that I am disputing this charge, and if you do not quit harassing me, you can follow me around for the next 7 years until it falls off. '' At this point the supervisor stated to me " I see that you know your rights. You have a good day, XXXX XXXX. ''

Company response to consumer: Closed with explanation