vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
After reviewing my credit file I have come across information reported from the XXXX XXXX XXXX/XXXX  that is incorrect. On XX/XX/XXXX and again on XX/XX/XXXX I spoke with XXXX and XXXX at XXXX XXXX XXXX XXXX   and was informed that all my accounts were current in the amount, however, an account in the amount XXXX and XXXX has never been late because it does not exist. XXXX also stated that XXXX has not reported anything to either credit agency yet I have negative incorrect possible fraud accounts from there company listed. XXXX also informed me that it would be updated within 24 hours. On XX/XX/XXXX I spoke with XXXX and they both informed me that these 2 accounts don't exist however the ones that I do have are current and never been late. Yet your credit reporting agency is still reporting this inaccurate fraud and based on XXXX its non-existing info. I myself have never known about an account in the of XXXX and neither have I known of one in the amount {$6600.00} and I also know I HAVE NEVER EVER BEEN LATE ON ANY ACCOUNT THAT I MAY HAD. Please remove these accounts from my credit file immediately. As I have never ever been late on a student loan the loans I have are being paid on time and these loans mentioned above do not exist or could be a result of identity theft as I have been a victim of. I will be forced to sue Transunion id these accounts that are a result of identity theft continue to be reported onto my file.

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 2018-08-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH
State: LA

Complaint narrative:
I filed a complaint bbagainst IBERIABANK for using a false debt to income ratio to deny my application for a home equity line of credit.The response letter is further evidence of what I experienced. This bank will not explain what their criteria is concerning debt to income ratio, and how it is calculated.They have now changed the reason for the loan denial to lack of verifiable income.This is also false. My XXXX per month income was verified by a signed IRS form XXXX ( request for transcript of tax return ) signed by my wife and myself. And the monthly debt payments of less than XXXX was verified by the credit report.There are no inconsistenciesregarding the hand written tax return. Banks use form XXXX to verify that all information on tax returns are accurate. Finally a bank can not consider income on forms XXXX as unusual, And refuse to count it as actual income. All of these falsehoods ; and changing the original reason for denial ; to lack of verifiable income, is more evidence of my original thoughts. I believe the real reason for denial was age discrimination.

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 2018-08-29 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: PA

Complaint narrative:
I have been paying XXXX XXXX for almost a year. None of this money has gone to my student loans. They offered me forgiveness of my loan by paying them XXXX a month. My student loans increased, and XXXX just keeps taking money from me each month. It really seems like a scam. Please contact me about this matter. XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Adjustment Service, Inc.
State: TX

Complaint narrative:
The company keeps calling me after I've told them on several occasion the debt was paid, and equipment was sent back. The debt collection agency is Diversified and the debtor was XXXX. They are probably the worse wireless provider in the business. They perform Deceptive Business Practices, False advertising, horrible customer service, can never speak with anyone in the U.S. They say they are giving phones as gifts for promotions and it turns out to be a lie. There are horrible. I've tried to explain this to the collection agency Diversified but they are aggressive and they don't listen to reason, so it causes people to become irate, due to their unprofessional methods. I plan to file a criminal complaint. They call 4 to 7 times a day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: Consumer Portfolio Services, Inc.
State: GA

Complaint narrative:
Today I received a notification that Consumer Portfolio Services , Inc added an unauthorized inquiry on my credit report. I would like the inquiry removed Immediately. I did not authorize them to run my credit. I also do not want any phone calls from the company. I only authorize communication by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
My debit card was lost/stolen when I was in XXXX XXXX, Nevada and was charged many times without my consent. I reported it stolen within 6 hours when I realized it happened. I talked to my bank and they had already shut my card off due to the amount it was used and said the dispute would be settled in 7-10 days. It was not settled within that time frame. I subsequently was charged over draft fees on top of the money that was charged even after I reported it stolen. I reported it stolen XX/XX/XXXX and talked to them on XX/XX/XXXX when my issue was still not resolved. They proceeded to tell me the dispute could take up to 90 days. I talked to another person on XX/XX/XXXX and they said my money would be returned by XX/XX/XXXX. My account was not corrected on that day and I received a letter on XX/XX/XXXX stating that based on their evidence that I authorized those charged which I did not. The bank letter is dated XX/XX/XXXX but I did not receive it until the XXXX. At my local branch my mom talked to the bank manager on XX/XX/XXXX and that I was not getting my money back and I would be getting a letter. I never received a phone call this entire time from the bank when they said they would be contacting me for further questions or information. Even with the letter I received stating the charges I was disputing was incorrect also. They only had maybe half of the charges. 


I have 24 unauthorized charges to XXXX XXXX in XXXX XXXX, Nevada totaling {$980.00}. I have another 4 XXXX charges in XXXX XXXX, Nevada totaling {$91.00}. One charge to XXXX XXXX at {$13.00} and another to XXXX XXXX at $ XXXX.Due to all of these unauthorized charges I have 9 overdraft fees totaled at {$260.00}. I am disputing a total of 30 charges for the amount of {$1100.00}. Also I am disputing {$260.00} in overdraft fees. That would be a total of {$1300.00} that I am disputing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: IL

Complaint narrative:
The bank is denying me access to my online account. They also refused to allow me to make a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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 — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I sent for my credit repot & saw ir was low, so contacted XXXX, got the report and from there XXXX file # XXXX & 547 days later, the negative is NOT ME as I reported Identity/cyber theft how/why isn't it fixed after 547 days??? 
I called XXXX on Wednesday, XX/XX/2018 inquiring to the status and the lady filed yet another ( 4th ) dispute??? I followed every direction and I thought it would be corrected by now?!

I put fraud alerts on/with XXXX yet places i.e. XXXX XXXX still using my name? They l XXXX it seems did not provide other credit agencies that I am victim of cyber/identity theft so my credit is so low for my paying everything like a responsible person and no-one contacted me to ask if it is me taking out school loans when I paid mine off earning XXXX XXXX XXXX and paying it ...! 
My HELOC is now over {$100000.00} and I did not use any $ $ yet XXXX put fraud alert and money was directly being withdrawn as agent there should be {$1000.00} in that account insttera I owe all of that and got a phone call saying I can eaxgtend my HELOC although XXXX said it was closed but could not tell me why over seven ( 7 ) years ago????? What is going on because XXXX 's just giving me the run-around and I want my {$10000.00}!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic. 

I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue. 

XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Monterey Financial Services LLC
State: CO

Complaint narrative:
I changed the amount of my payment in XX/XX/XXXX. I increased the auto pay so that I could pay off the loan early. I asked while on the phone that the extra money was to be applied to the principle. I paid a larger payment in XX/XX/XXXX and figured that the final payment would be taken the next month XX/XX/XXXX. The lender never applied any of the extra payments to the principle ever. Loan is paid off and the lender collected an extra XXXX in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
It shows that this account was opened on XX/XX/2017. 
Collection company states that i owe {$1100.00} to them which i do not owe them nothing. 
I tried to contact them numerous times but they have not responded. This is not my dept. 
I asked to show me proof but i have not received a reply. Please remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
PayPal payments to international persons not fully provided as indicated by receipt. Recipient get deducted an amount that is not what I paid. XXXX instances, first : sent XXXX XXXX XXXX in XXXX but recipient was not given full XXXX XXXX, instead recipient received XXXX XXXX. I was charged the full exchange rate and had to make up the difference to the recipient. Today, I sent XXXX XXXX to recipient for a receipt showing a total of XXXX XXXX XXXX ( which is what I wanted to send ) at today 's exchange rate. The recipient did not receive XXXX but instead was given XXXX XXXX XXXX. I was charged fee for exchange rate and the recipient was shorted approx XXXX XXXX that I now have to again send. PayPal says they paid the full amounts each time to recipient. Not sure what is really going on but something is not right.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: IN

Complaint narrative:
I first had my loan serviced through XXXX XXXX, and when I found out about XXXX, I was employed through the XXXX Department XXXX XXXX XXXX. I was hired on XX/XX/2016, and made about a year of qualifying payments since the hire date. I then applied for XXXX, and was advised my loan servicer will be changed to XXXX, but was advised that the qualifying payments I had made being employed by XXXX to the XXXX XXXX-serviced loans would qualify towards my total. 

However, the story has changed. Now I'm being told the year+ I had made qualifying XXXX payments would not count towards the total, and for some reason my qualifying payment total keeps being reset to XXXX. I have made about XXXX payments thus far while being under XXXX, yet my number of payments is still XXXX. It seems like I have not made any progress towards XXXX at all, even after making payments while being employed under XXXX for more than XXXX years now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/2018, I disputed an account with TD Bank NA that is on all of my credit reports. Thirty-three ( 33 ) days later, TD Bank authored a letter in response to my dispute, which they received and stamped received XX/XX/2018. 

TD Bank dated their letter on XX/XX/2018, acknowledging the written dispute that I sent in and informed me to fill out an ID Theft Affidavit and send it to them. TD Bank also included paperwork with a Primary Social Security Number which is not mine, it belongs to a business. 

On XX/XX/2018, I sent another letter disputing their findings again with their evidence requesting to have the account removed. 

I am also including a copy of my credit reports showing that the account is still listed as my account. 

On XX/XX/2018, I sent another certified letter requesting the following : The nature of the debt ( e.g., credit card, consumer loan, medical bill, etc. ) ; A current balance owed on the debt ; A complete payment history on this account ; A complete itemization of all charges ( e.g., principal, fees, interest ) ; Copies of all documents reflecting an agreement to pay the alleged debt ; Copies of all invoices, bills, and notices concerning this alleged debt ; A copy of the first written communication attempting to collect this debt ; A copy of any judgment obtained with respect to the alleged debt ; Proof that the statute of limitations has not already expired ; Evidence that you are authorized and licensed to receive payment of this debt ; Copies of all reports or notices provided to any credit bureaus ; Identification of the original creditor ; Identification of all successors in interest to the original creditor ; If this debt has been purchased or assigned, a copy of all related agreements. 

The XX/XX/2018 letter was ignored and I did not receive any response, nor was the information removed from any of the credit reporting agencies. 

I am providing evidence to corroborate my statement that TD Bank NA has violated the FCRA and FCRB and did not provide me within the thirty- ( 30 ) day time frame as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: GA

Complaint narrative:
Back in XX/XX/2017 I was approved for a loan modification, and shortly after I was approved I lost my job. At that time, I was driving trucks for a local trucking company. In trying to avoid filing for bankruptcy, I have tried to work things out with my mortgage company, and I finally came to the realization that I needed to list the property for sale. 
I have received a good offer from a buyer who is ready and willing to purchase the property, even with the repairs that need to be made to the property. Once I submitted the documentation to the mortgage company, they held onto it for weeks before they came back and said that they did not have enough time to review the file for the short sale. Now, if you ask me they would have had enough time had they not held on to the file for week and not given it to a processor. I am not asking for a handout, I am just asking for the bank to be fair and review the offer. I need your assistance in getting the bank to do what is right, and what is required by the government to assist homeowners when they are in financial trouble and can not afford to pay the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have previously sent my Identity Theft Report to TransUnion by certified mail on XX/XX/2018 to block the fraudulent accounts and inquiries reporting on my consumer file. TransUnion has ignored my previous disputes and have I have requested the help of the CFPB to make sure TransUnion complies by XXXX XXXX. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my TransUnion credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Premier Holdings
State: FL

Complaint narrative:
Good evening on XX/XX/XXXX I received a call from Premier Holdings phone number XXXX falsely impersonating a lawyer and threatening to sue me for old debt. 

I asked if it was a debt collector, and they stated a law firm. 

They claim that this was for an unpaid XXXX XXXX Credit Card, that they claim it dates back to XXXX. 

Despite the apparent incredibility of the caller, the date they claim suggest that this would not be a collective debt due to its age. 

I explained to her that this potential debt would be no longer collectible. 

I want to report this issue for various reasons : 1. False representation 2. Lying about ability to collect a potential debt based on age.

3. Making me feel harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have contacted Transunion on several occasions regarding inaccuracies to my credit report and I have received constant push back. I wrote letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX also have spoken to representatives via phone about the inaccurate information. Transunion has yet to remove the items that are on my credit report. Despite my multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? Transunion still have not identified who in their company verified the accuracy of these accounts or how they verified them? Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted within 10 days. 

I dont know if this error is intentional or not, created by your system, or by the entity who reported this to you, but this is affecting my credit & my score. This is an important issue for me, this affects my finances & it has come to a point where I cant even sleep well at night. As you can see, this list is detailed and quite self-explanatory, I demand you to put as much effort as needed to resolve this issue as soon as possible. 

Items : TO BE REMOVED 1.XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 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