vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-15 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: TX

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Transunion credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 

The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm Offer of Credit B. Insurance C. Employment D. Court Order The following inquiries do not belong to me. Also, they are not associated to any of my accounts. 
XXXX-entered twice XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2017-09-15 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I was an AUTHORIZED USER on a XXXX XXXX credit card. I never made a single charge on this account. I disputed it with the three bureaus but Equifax left it on my file. This is a violation of my rights under the Fair Credit Reporting Act. I do n't have the complete account number since I obviously never had a card. But the partial account number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am having trouble making my payments which is {$88.00} a month so I called Navient the servicer my previous company XXXX XXXX sold my loan to so I could ask for some kind of forbearance for a few months so it wo n't affect my credit and they refused to give me a forbearance unless I gave them a payment of {$50.00}. The point is that I did n't have the money and the reason I 'm called to ask for the forbearance because if I did I would have just made my regular payment. My payment was due yesterday XXXX and I tried reaching out to them today XXXX but kept getting the run around and was on hold for at least an hour and a half.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
XXXX XXXX Navient took over my student loan account from XXXX. My payment plan was XXXX dollars, when moved to Navient they state it 's XXXX dollars per month. They stated that my last plan with the XXXX expired. I never received any notice to this expiration. When explaining to Navient that I see options on the federal student aid site for XXXX /mo for XXXX months they say that while they are aligned with the federal government some options are not available with Navient. This is very confusing, and I believe that they are mishandling my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have multiple problems with the latest Equifax breach. 1 ) I was already the victim of the breach. Someone stole my credit card information. Fortunately, my bank is awesome and caught the fraud before I lost any money. 2 ) Why the XXXX did it take so long for Equifax to alert the public?! 3 ) Why do I have to shell out {$10.00} a piece to each agency to freeze my credit? I understand that that is an optional step ; however, I would rather be safe than sorry. I am in my XXXX with kids and have many needs still for a solid credit score. This is money that should come out of Equifaxs pocket-NOT MINE! 4 ) When I did go to each website to freeze my credit, only XXXX website was operational. The only thing I can deduce is that these multi-billion dollar companies are employing a bunch of teenagers to run their technology departments. First Equifax loses personal information on half of America, knows about it for 3 months without disclosing, THEN ( the cherry on top ) theyre not even prepared for the fallout. What a bunch of total IDIOTS!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
After the XXXX data breach, I have been trying all week to freeze my accounts/data at the three major credit agencies. I have spent HOURS and HOURS trying to do this, and have been partly successful at only one, TransUnion. However, they charged me a lot of money for things I never ordered. 

ISSUE : TransUnion. I went through the steps on their website to freeze my account. It all appeared to work -- until I received an email receipt showing they charged me {$19.00} for " TransUnion Report, Score, and 3-Bureau Credit Monitoring. '' I never ordered any of this while trying to simply freeze my account with them. I have spent OVER THREE HOURS since I saw the charge yesterday, trying to get in touch with them to remove these charges. I could never get through. Today, after a 47-minute wait  on hold, a rep finally picked up. As I was explaining my issue to him, the line was cut. Nobody ever called me back. Now Im 30 minutes into another hold on their line. 

I want my {$19.00} back from TransUnion plus a confirmation that they have actually placed a freeze on my account/data. 

The companies need to step up and make it much simpler and less time-consuming for Americans to freeze accounts -- of all our personal information, which we never agreed to give to these agencies in the first place.

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 2017-09-15 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: Bay Area Receivables, Inc
State: VA

Complaint narrative:
I received a letter dated XX/XX/XXXX from a company called Bay Area Receivables about a debt they claimed I owed to them in the amount of XXXX, forwarded to them by XXXX XXXX. On XX/XX/XXXX, I responded with a debt validation sent as certified mail with return receipt. The company received and signed for that letter on XX/XX/XXXX. Bay Area then responded with the necessary documents to support the validation of the debt. However, the debt had already been satisfied - over two years ago. I mailed in a copy of the money order receipt ( dated XX/XX/XXXX ) on XX/XX/XXXX ; certified mail return receipt. The company received that letter on XX/XX/XXXX. They failed to respond to that letter however, they proceeded with putting the inaccurate debt on my credit report AFTER this letter had been received and signed for. I sent a direct dispute against the company on XX/XX/XXXX which was received and signed for on XX/XX/XXXX. I have allowed the 30 days to investigate PLUS the five days to mail and have yet to receive a response. This company has failed to comply with the dispute period set forth in FCRA 623 ( a ) ( 8 ). This false information on my credit report needs to be removed.

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 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Capital Accounts, LLC
State: TX

Complaint narrative:
I contacted capital accounts about a medical collection that was on my credit report by an error. I provided statements where it showed the account was at a XXXX balance. I called them back to make sure they had received my documents and to make sure they will delete it off my credit. The agent was not able to help me and transferred me to a supervisor. The supervisor was very rude and condescending. I have never been treated and disrespected like this before. When I asked to speak with someone else he hung up the call. Please review the call and review the tone and language used to speak with me. He needs to be disciplined or terminated. Someone like him should not have any contact with consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TN

Complaint narrative:
There 's a {$160.00} debt on my credit report. I have not been to this doctor. I called and they say that it was my minor son 's debt. I did not sign a Financial Responsibility form so this is his debt. I did n't know he had even been to the doctor. This practice is illegal in Tennessee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Synchrony Bank XXXX only allows the following ways to make payments, by mail or by phone. When mailing in payment by USPS, it seems that the payments are not received to well over the payment due date. This could be due to the lack of response from their mail department or the payment processing center, as many other checks that I mail out for other vendors are received on time. They also do not allow a grace period for mailed payments. Thus causing payments that are sent well before the due date to accrue late fees. 

The big issue is however, how they display their late fees to the consumer. On the statements, since its a fixed monthly payment, the payment due still shows the fixed payment ( for example {$99.00} ), and the Fees & Charges on the statement show {$0.00}. However, the late fee is actually rolled into the principal and not shown as a Fee & Charge. This is easily looked over and missed. Thus causing the principal to go up and interest to accrue. Even though the payments still stay fixed at {$99.00}, I was told by one customer service rep that consumers do miss this a lot and that it was good that I caught it early, as most consumers are hit with a HIGH balloon payment at the end of the loan period. ( All accrued late fees & interest ) To me this is a very conniving towards the consumer, as the consumer does n't notice it and continues to pay their fixed payment without noticing that they are accruing late fees when mailing in 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 monetary relief
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
A check of whether my data and my husband 's data was taken in the XXXX breach resulted in a " your data may have been compromised '' response on the XXXX website. As a result I put freezes on our data with all 4 credit reporting agencies and then requested annual credit reports from all of them. The Experian report displayed a phone number that was not and never has been mine. I called experian on X/XX/17 to ask why an unknown phone number was on my credit report generated that day. They stated that it might have come from a creditor but could not provide the name of the creditor and the rep laughed at my concern when I asked for an investigation into what creditor sent them the data. I asked for a supervisor to get more information and he then hung up on me. I opened a dispute on the info within the online version of their credit report but their phone response was unsatisfactory, rude and unprofessional. Given the seriousness of this data breach none of these agencies should be treating these issues so carelessly. I have just received via email the results of their " dispute '' followup on the incorrect phone number. It just states that the phone number has been deleted from my report. This response does not explain how the incorrect phone number was added to my credit report in the first place. If they are that sloppy with my basic information he can we trust them with this critical data?

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 2017-09-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ). 

The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X

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 2017-09-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BB&T CORPORATION
State: NJ

Complaint narrative:
I was stunned once I reviewed my XXXX, XXXX and XXXX credit reports and discovered that I was reported as having a late payment on the date below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this happened, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

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 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Today, at XXXX, XXXX from XXXX XXXX XXXX XXXX of XXXX GA , called. I was unable to answer. She then called a third party and involved them in her collections attempt. 
XXXX called Lendmark financial and asked an employee named XXXX to call me regarding the $ XXXX XXXX XXXX XXXX claims is owed to them on purchase of my motorcycle from several months ago. XXXX then called me ( as a third party person ) at XXXX today, to discuss my obligation and responsibility to contact XXXX XXXX XXXX and pay off this debt. 

My account at Lendmark Finance is current, all payments have been on time or early. I dont have another payment due until XXXX XXXX with Lendmark. So a representative of Lendmark had no reason to call, most especially on behalf of another business. XXXX shared details of a debt with a third party and asked them to make a collection call on her behalf, and on behalf of XXXX XXXX XXXX XXXX. I feel both parties violated rules and regulations and would like to have this matter investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
There are many sides to this complaint. I will list them in numerical order. 

1. We proved to Kimball, Tirey and St. John Law Offices via pay stubs ( Military terms XXXX ) that the rent was paid in full, and in fact, was over paid for the month of XXXX 2011. We sent in proof, not only to them, but to the original creditors XXXX XXXX XXXX XXXXXXXX XXXX in XXXX XXXX, CA. 

2. We have spoken with the housing office for the military and they confirmed the rent was paid in full. They stated we should have XXXX XXXX XXXX XXXXXXXX XXXX contact them to confirm. The manager stated, when we told her this, ( numerous times ) that it was n't her job to call and that they had no proof of payment. She kept requesting a receipt or cancelled check, but that was impossible, since the military included our rent in our paycheck and it automatically went to them every month through XXXX. 

3. We have provided proof twice to Kimball, Tirey and St. John by providing official copies of the XXXX. ( XXXX XXXX XXXXXXXX XXXX ) provided to us by the military. We asked them for proof that it was n't paid, so we could submit that to the military, so they could pay for it out of our XXXX if for some reason our statement and their statement showed differently. The only thing they could provide for me was a signed piece of paper from XXXX XXXX XXXX XXXXXXXX XXXX by the manager stating that rent was due for the month of XXXX, 2011. They could not provide any official proof. 

4. The amount they are stating is owed is {$1800.00}. We have proven to them that they received the entire amount for the whole month of XXXX, 2011 in the amount of {$1900.00}. We overpaid and never got our check for the overpayment. 

5. We recently contacted XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXX and spoke with XXXX XXXX who confirmed this debt was paid and said he spoke with Kimball, Tirey and St. John Law Offices to tell them to remove the debt. 

6. Since then, I have filed with XXXX and XXXX ( working on XXXX ) to ask it to be removed and Kimball, Tirey and St. John Law Offices responded, saying debt was valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Since the announcement of the Equifax data breach on XX/XX/XXXX, I have been trying to freeze my account online with them. Every single day I try and I receive an error message through their website, I have tried different browsers, different times and different computers. When I finally called them on XX/XX/XXXX, I was given a number XXXX, when I call the automated number it request a pin which I have not been provided and have no idea how to get. When I press 2 for " no pin '' I am told to call back when I have this magical pin, then hung up on. This is not acceptable as per their website I was affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15 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: TN

Complaint narrative:
I paid my balance on my XXXX XXXX credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XX/XX/2016. I left the matter alone and was notified with my credit report later that the account had not been removed as promised. I 've disputed the claim with transunion and XXXX 4-5 times with each company. Each time the dispute comes back as 'verified as accurate '. This was not the agreement I had made when completing my payments and my credit reports need to reflect that accurately.

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 2017-09-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Statebridge Company
State: MI

Complaint narrative:
In XX/XX/XXXX, my mortgage was transferred to StateBridgeCompany. The summer property tax payment was due at the end of XXXX. They did not pay this on time. The city charged my account a late fee of 0.5 % of the amount owed, coming to XXXX. StateBridge finally made the property tax payment on XX/XX/XXXX, including the late fee and charged all of it to my escrow account. 

I called them at least 6 times in the past month to find out why they charged the late fee to my account, and they have yet to resolve the issue. More than once they promised to call me and have not. I sent them all the information they requested to their escrow department, I left messages for the supervisor to call me back, all to no avail.

Company response to consumer: Closed with explanation