vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-04 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: IL

Complaint narrative:
Despite three written requests to TransUnion that they are reporting inaccurte information on my credit file, Transunion refuses to do a complete and accurate investigation. My last dispute to TransUnion was sent on XX/XX/2018. TransUnion sent me back the results to their investigation on XX/XX/2018 stating in writing that they verified the accounts are being reported correctly? TransUnion is reporting my XXXX XXXX account as a {$300.00} FHA loan included in a XXXX bankruptcy. This account should be a closed credit card in good standing. TransUnion is also reporting my XXXX XXXX XXXX auto account included in a Chapter XXXX bankruptcy. This account should be closed in good standings. I have never filed bankruptcy.

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 2018-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank has noticeably started gaming low balances again, like the " old days '' of predatory fee-charging of impoverished customer accounts. 

I had a transaction that was pending as a ~ {$15.00} debit on the XX/XX/XXXX, with {$22.00} available balance remaining. On XX/XX/XXXX, the following day, another {$50.00} debit appeared XXXX a recurring charge for XXXX services, not from Chase ). However, my XX/XX/XXXX charge that first posted as {$15.00} with sufficient coverage of {$22.00} in balance was rolled into XX/XX/XXXX. They escalated priority of the XX/XX/XXXX {$50.00} XXXX service charge, resulting in {$22.00} ( balance ) - {$50.00} = negative value, then applied the {$15.00} charge to duplicate NSF Fees. 

If they would have applied the charges in chronological order based on the amounts and dates first appearing as a debit, I would have only received one NSF charge. 

This is one example of many they have done in recent past, and the pattern is noticeable. I thought this practice was banned with Dodd Frank? It's just petty usury and poor service. If I were to go through the last 6 months history this would NOT be the first time, but frankly I'm too tired and broke to pursue any further than this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: GA

Complaint narrative:
I originally had multiple loans serviced by AES. I have always paid on time and have never been delinquent. In XX/XX/XXXX all but one of my loans serviced by AES were transferred to XXXX. 

My automatic payment was already processing to AES which included the payment to loans now serviced by XXXX. Before they were due in XXXX, I emailed AES on XX/XX/XXXX to request {$720.00} of the {$800.00} payment forwarded to XXXX to cover the loans they are now in charge of. I recieved the following confirmation from AES : " Thank you for contacting American Education Services ( AES ). A request has been submitted to have only {$720.00} of the {$800.00} payment forwarded to XXXX. Please allow up to ten business days for this request to be processed. '' As of XX/XX/XXXX, no payment has been forwarded from AES to XXXX, and we are well past the 10 business day timeline they committed to in XX/XX/XXXX. I have been in contact with Navient multiple times to explain the situation throughout XX/XX/XXXX and they have our conversations documented ( so do I ). I am now trying to pay just my XXXX loans for XX/XX/XXXX but they won't allow me to pay unless I pay both XXXX an XX/XX/XXXX, which is a substantial amount for me. I don't know what to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
In early XXXX my mortgage servicing company was transferred from XXXX to Freedom Mortgage. On XX/XX/XXXX I called and requested a payoff amount to pay off the remainder of my mortgage. Freedom Mortgage would not give me a payoff amount unless I agreed to pay a {$30.00} request for payoff. I explained to Freedom Mortgage that my loan has no prepayment penalty so {$30.00} request was not in terms of my agreement. I then ask if I just sent in the balance with an adjustment for interest would that be acceptable. The lady indicated that I still had to pay {$30.00}. I refused to pay the {$30.00} and sent in the balance of loan plus 7 days interest. 
I have called almost daily since my bank ( XXXX ) sent the check on XX/XX/XXXX to Freedom Mortgage to see when it will be posted. Freedom Mortgage continues to say they do not have the check and in the meantime I am accruing interest. Since XX/XX/XXXX, XXXX has post mark my check 2 to 3 days before the XX/XX/XXXXof each month and Freedom Mortgage has applied balance on XX/XX/XXXX of each month. Now they have conveniently misplace my check while I continue to accrue interest. Per my calculations, I now owe additional interest because they have lost my check.

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 2018-05-04 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: HI

Complaint narrative:
TransUnion placed a fraud alert on my credit report without my authorization. I called to have them remove it, they asked me 2 security  questions to verify my identity which I answered correctly. Their supposed system said I answered incorrectly and now I have to send in all this paperwork to verify its me. This is so ridiculous.I emphatically deny asking for a fraud alert.They should not be allowed to do this without my permission.Please tell them to remove this immediately and to stop XXXX  around with 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 non-monetary relief
Consumer complaint received 2018-05-04 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: TX

Complaint narrative:
Incorrect/ fraud information Identity theft XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX   XX/XX/2017 XXXX XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XX/XX/2017

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: CT

Complaint narrative:
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX  on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Radius Global Solutions LLC
State: CA

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX ( billing ) at XXXX at the end of XX/XX/2018. I informed the representative that I had made a payment of XXXX  $ via the Patient Billing Portal website and will pay XXXX $ monthly to pay the debt in full. She informed me that the collection agency would be informed of my payment. I tried to reach XXXX XXXX XXXX on XX/XX/2018, thru their email XXXX but no reply. Then, I reviewed my credit report on XX/XX/2018 and the balance in my credit report shows XXXX . The correct balance is XXXX   . I want the account balance to be updated.

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 2018-05-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( XXXX.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act

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 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: IL

Complaint narrative:
I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re :  Unpaid Toll Invoices from XXXX XXXX  XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
To Whom It May Concern, This letter is regarding an inaccuracy in my credit reporting. 
Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX on XX/XX/XXXX ) 2. ( XXXX on XX/XX/XXXX ) 3. ( XXXX on XX/XX/XXXX, XX/XX/XXXX ) 4. XXXX on XX/XX/XXXX, XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c )  and a serious breach of my privacy rights. 
I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
Loan Care is in violation of CA Homeowner Bill of Rights guidelines which require an answer to a workout request after 30 days of request submittal. At issue is a short sale request that was submitted almost a month ago and Loan Care has yet to even do any work on the file, advise as to any status, order an evaluation or anything.

This gross criminal negligence regarding a financial matter is unacceptable. Loan Care must either divest itself of too many loans or hire more people to handle the work load. There needs to be an investigation into how many guidelines are being violated by this company who is not doing what they're required by law to do.

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 2018-05-04 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax failed to maintain reasonable procedures to ensure the accuracy and validity of the information they are reporting on my credit report regarding four accounts related to XXXX  account numbers all beginning in XXXX.I submitted a dispute because the information reported is invalid and inaccurate. Equifax confirmed this information. I submitted formal request for method of verification to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this investigation and it was received ( I have confirmation receipt which can be submitted ) on XX/XX/18. In compliance with the FCRA, this information should have been provided to me within 15 days and it has not been produced. Further, during this time, the accounts were indeed removed from my credit report and have since been re-inserted. I received no notification of the re-insertion of negative information as per my legal rights. These inaccuracies are hurting my ability to obtain housing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA
State: CO

Complaint narrative:
Bank appears to have deliberately delayed processing a payment so as to put the account into default so that they could charge late fees and interest. I've gone back through account statements ( & checkbook ) and I have discovered a disturbing pattern. Most payments are processed on either the 2nd or 3rd day after the payment check is written, however, every third month ( i.e. quarterly ) payments are not processed until either the 6th or 7th day after the check is written. 

I normally make my payments early enough that I haven't been dinged for a late payment or interest charges until the payment that was due XX/XX/XXXX, check was written and mailed on XX/XX/XXXX, considering how efficient and consistent the USPS is, payment was delivered to the bank on XX/XX/XXXX, or at the very latest on the XX/XX/XXXX, however, the bank did not process the payment until XX/XX/XXXX. 

I sent a letter of complaint to FNB Omaha regarding the delayed posting and their response has a number of factual errors. First the response claims that they received my complaint on XX/XX/XXXX, the USPS certified mail receipt indicates that it was delivered on the XX/XX/XXXX. Second the response claims the payment was due on XX/XX/XXXX, the statement clearly shows that the due date was XX/XX/XXXX. 

If they are trying to cheat me by delaying processing payments, they are doing it to hundreds if not thousands of others. If I hadn't noticed that they delayed this one payment, I wouldn't have gone back through my records and established a consistent pattern of delayed payments. They are engaged in criminal activity and I can help you prove it. Documentation to support my allegations will be supplied on request.

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 2018-05-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2018, {$21.00} was charged on my credit card. I was interested in looking for a free credit score and found TransUnion advertising one free credit score. I signed up and gave my credit card info thinking it was for credit score report purposes since there was nothing saying that I would be charged. I was doing all of this on my  phone. I did not realize I was charged until my credit card company ( XXXX ) notified me via text. I immediately searched up why I was being charged and also got an email saying I had purchase a subscription which I clearly didn't. I immediately tried to cancel it. I also called TransUnion who refused to help me saying that I bought a service. I opened a dispute with my credit card company. 

They refused to refund me even though their service was falsely advertised as free. I've since cancelled my subscription but they would not delete my information. As you can see, https : //www.transunion.com/XXXX at the top it offers a free credit score. When I was signing up, there was no page that said I would be charged. I

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04 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: Rocket Mortgage, LLC
State: MI

Complaint narrative:
Quicken Loans. 
I was online looking at refinance rates and I filled in my name on their website, once I got to the following page where they wanted information from me to run my credit score I closed the window and didnt complete it. This was over a year ago and they have been doing hard inquiries on my credit 2-3 times a month ever since. 
Ive called them to stop but they keep asking me for important information that I dont want to give them and they simply refuse to do anything. On top of that I am bombarded with their sales calls which Im not sure how they got my number. There are thousands of stories about this when I search for it and I cant get them to delete me from their system even though I have no business with them whatsoever. 
I have had the credit companies remove some of the inquiries but I cant keep up with them. 

Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX   XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry TransUnion XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX Mor New Hard Inquiry XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX XX/XX/XXXX Quicken Loans Via XXXX XXXX Inquiry Removed Alert XXXX  XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation