vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 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: WV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX XXXX my last four of my ss # XXXX Date : XX/XX/XXXXConsumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, Iowa XXXX To whom it may concern, I have been having a problem with TransUnion credit reporting. I have been working very hard to rebuild my credit score and my XXXX credit card is  a secured one they are looking at my credit for many things to turn my secured card into an unsecured card. This problem that has been happening with my one credit card XXXX XXXX XXXX. For the 1st three months everything has been correct XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX. Than I have been paying attention to my monthly updates and all of the sudden they stopped updating XX/XX/XXXXand XX/XX/XXXX and started a dispute with TransUnion as they said XXXX XXXX stopped sending them report monthly onXX/XX/XXXX. I had a printout from them showing myXX/XX/XXXX balance of XXXX which was correct. All of the sudden onXX/XX/XXXX I found out the balance changed to XXXX after many phones call many difference people who kept saying XXXX XXXX reported to them the balance of XXXX. Which was false finally I reached 2 supervisors one did fix my balance her name was XXXX and the other that was going to help before XXXX took over was XXXX. She fixed my balance to XXXX on XX/XX/XXXX. I only found out FridayXX/XX/XXXXagain the balance went back up to XXXX. TransUnion has been claiming XXXX XXXX is not reporting and XXXX XXXX resend my full history to them on XX/XX/XXXX plus they said they never got the disbute from TransUnion done onXX/XX/XXXX even as of today (XX/XX/XXXX ). TransUnion today told me they were fixing the balance again to XXXX. But the last time XXXX told me she had to get there IT dept. to fix this. Today also now TransUnion is saying to tell XXXX XXXX to contact their marketing dept. to have them fix this issue. But XXXX XXXX said that is not the problem. The following documents are attached : My letter to TransUnion Dated XX/XX/XXXX ; My credit report page from TransUnion from XX/XX/XXXX( which shows my balance of XXXX and 3 months of history ) andXX/XX/XXXX showing again the balance of XXXX inXX/XX/XXXX. My XXXX XXXX page showing my balance XX/XX/XXXXwith XXXX. My Statement with XXXX XXXX XX/XX/XXXXandXX/XX/XXXXwhich shows opening balance of XXXX fromXX/XX/XXXX. <P/>Sincerely 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 non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I receive wires into my account that are missing funds. The missing amount varies and there is no line item on my bank statement to account for it. I asked Citibank and they responded saying it is a valid fee due to intermediary bank fees. If it is a valid fee where is the transparency? How can I know when they will take these intermediary fees and how much they will be for? And how can I account for them when there is no line-item on my bank statement? Please show me proof of how you can literally debit money from an incoming wire with zero transparency. Where is this in my terms and conditions?

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 2017-07-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
<P/>
Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: UT

Complaint narrative:
I have been contacting XXXX XXXX sine XX/XX/XXXX I was final advised that an older will had been provided by one of my siblings. This plus the proof a appointment as personal representative. As of XX/XX/XXXX they still have not accepted the court forms from the Utah State First District Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I recently opened up a PayPal account. I received notification shortly after the account was opened saying that my account had been limited because it was associated with other paypal accounts that had negative balances. Upon calling PayPal I informed them that I have never been associated with the accounts that were opened in my name and that I could provide them with documentation to that point. My account limitation was appealed and the appeal was denied stating they had to evidence of identity theft. I asked on numerous occasions on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to send in documentation of the idenity theft. Today, XX/XX/XXXX, I was told by PayPal to go to XXXX to upload my documents. Every time I did that I was prompted to sign into the website and then told me account was restricted and at no point was I given an opportunity to upload my documents. I am uploading the original driver 's license with the home address where I lived when the identity theft first happened, along with letters from the bank that caused the identity theft as well as letters from other creditors that have done their own investigations and found me not liable for these fraudulent accounts. I processed these disputes with the other creditors through this consumer protection portal which can be verified as all correspondence done through the portal is saved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
Since XXXX XXXX, 2017 I have asked Santander Consumer USA and the credit bureaus that they formally substantiate all account history data Santander Consumer Usa transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Santander Consumer USA and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
Since XXXX XXXX, 2017 I have asked XXXX XXXX XXXX and the credit bureaus that they formally substantiate all account history data XXXX XXXX XXXX transmitted to credit reporting agencies for me, regarding the suspicious account. My letters have largely been ignored by each credit reporting agency. I have not received an answer. They have all failed to provide a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX XXXX and the credit reporting agencies are being willfully non-compliant in my request for verification of debt. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
Since XX/XX/XXXX I disputed erroneous trade-lines reported by XXXX XXXX to the credit bureaus. XXXX XXXX said they sold the account to XXXX XXXX because it was charged off on XX/XX/XXXX for {$310.00}. However, I paid XXXX XXXX on XX/XX/XXXX to delete the debt from my credit reports which they granted. Despite that, XXXX XXXX refuses to remove the negative information off my credit reports.

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 2017-07-05 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: AL

Complaint narrative:
RE : Re-Aging Credit Account FTC Compliant ( FCRA ), 15 U.S.C. 1681 et  seq.   XXXX  I disputed the account below as a re-aged account and received a reply from the  XXXX  credit reporting agencies stating that the account had been verified and is accurate.   The account was removed from my credit report in   XX/XX/XXXX , Seven 7-years after the date of first date of first delinquency. The collection agency updated the account on  XX/XX/XXXX , showing, the collection agency re-aged the account after the original creditors date of first delinquency in  XX/XX/XXXX . The re-ag ed debt is past the statute of limitations.   Please delete this re-aged account immediately.

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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
My uncle has been a Fifth Third Bank member for many years. He has kept about {$500.00} in his checking account and over {$12000.00} in savings as of XX/XX/XXXX. The bank has a so-called courtesy transfer so that his checking account is kept current in order to pay any checks when his balance goes below zero. He has been paying his bills through the checking account. His income comes from Social Security ( {$660.00} ) and is deposited in his savings account. He has paid hundreds of dollars in these courtesy transfers. They are {$12.00} for each occurrence. By the beginning of this year he started running low in his savings. The first few months of XX/XX/XXXX he accumulated about {$110.00} in overdraft fees. From the XX/XX/XXXX. statement to the XX/XX/XXXX statement he had accumulated over {$1300.00} in return item and overdraft fees. I did not find out until XX/XX/XXXX that he was ( {$500.00} ) in  arrears because of all the excessive fees. We started managing the account from then on to help pay for his bills. The bank did not help rectify this problem. My uncle was hospitalized during this time. Documents show he has XXXX XXXX XXXX and has XXXX XXXX XXXX. The bank has charged over {$2000.00} in fees over the last several years. I realize that the bank has rules, however considering the circumstances I feel that the bank had made my uncle whole through the courtesy fees and in his frame of mind felt that the savings would always cover his bills. In 2 months he was charged over {$1000.00} in overdraft fees. All I want is a fair evaluation of his situation. With the use of modern technology I feel the bank is being unfair to charge this excessive amount in fees. My uncle has no more resources other than Social Security to live on. Fifth Third is advertising about no ATM fees. The courtesy fees and overdraft fees from my uncle are allowing the bank this gimmick.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello, My name is XXXX XXXX and I have inaccurate information listed on my credit report. This inaccurate information is currently being reported to Equifax and XXXX. I reached out to both the company reporting the inaccurate information and the two credit agencies listed above several times ; and nothing has been done to remedy this false information. Ive requested this information be removed when I first found out about it XX/XX/XXXX, and again XX/XX/XXXX. FYI, I waited a year to do the second dispute because I was under the impression this was corrected and removed after my first dispute in XX/XX/XXXX. The company reporting the incorrect information to the credit bureau is XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX, and their phone number is XXXX. Based on the information listed on my credit report this is a collection for {$160.00} from XXXX XXXX Hospital. I dont owe either one of these companys money, this collection states its from XX/XX/XXXX, so I dont remember specifics since it was so long ago, but I pay all of my bills and have excellent credit outside of this false information. Please advise me of my options to get this information removed. Im also concerned my personal medical information has been shared without my consent. <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
For sometime know whenever I 've tried to access my Credit Report they keep asking questions that has nothing to do with me.For Example : Mortgage Company that I have been with.I have never own or cosign for a home in my lifetime. This is one of the prescreen questions that has prevented me from accessing my credit report for the past 3 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: DC

Complaint narrative:
Specialized Loan Servicing services our mortgage. We pay a monthly escrow fee to SLS for " taxes and insurance, '' but SLS has failed to pay the taxes. We were required to pay the taxes ourselves, as well as the late fee incurred due to SLS 's failure to pay the taxes. I called to speka to SLS, thinking that it would agree to reimburse me for the costs I incurred. SLS says that is not how its does business -- instead, it will reduce the escrow amount that we would ordinarily pay. I asked to speak directly to the tax department and, once I got there, the tax person promptly dropped my call. <P/>In seeking to resolve this with SLS, I was pressured to not handle the call on speaker phone, and asked to identify anybody who was on the call. ( Nobody was in my office. ) I found this request to be odd. <P/>I am concerned that SLS has no intent on reimbursing me for the several thousand dollars that I was required to pay to the tax authorities. I am also concerned that SLS has a recording about this practice for people who call in, as if this is a routine practice for SLS.

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 2017-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
Sometime in 2016, I was contacted by a collection company via telephone regarding the debt. I explained that I had a disputed account by their client, and that I needed validation of this debt. I provided a current address, and requested that the documentation be sent to me so that I could verify the alleged debt and handle a dispute accordingly, if necessary. I requested not to be contacted by phone because it was during work and inconvenient. I never received verification documents or correspondence regarding my dispute. However, Portfolio Recovery Associates, LLC is now reporting 'Dispute resolved-consumer disagrees '. I did not know any investigation had been conducted because I was never sent the verification of debt I requested. No letter advising me of any results of my dispute was sent to the address I provided nor to a current address on my credit bureau reports. I have never received any verification or dispute documents regarding this account, yet Portfolio Recovery continues to pursue me for this unverified/disputed debt and reports that a was dispute resolved. My right to verify and/or dispute this debt according to federal laws has been compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I filed a dispute on XX/XX/2017 with TransUnion. They did not complete the investigation within 30 days and still did not delete some of the items disputed. Under the XX/XX/XXXX rule the items which were two bankruptcies were supposed to come off my report. Not only because of the ruling but also for the fact they have taken over 30 days to complete the investigation. I have previously done investigations and they have taken as long as 60 days and still kept the items on my 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 2017-07-05 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: Nelnet, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I started making additional payments to my student loan with the intention of paying it off faster, but did n't realize that they were just prepaying payments. I discussed it with them when I first started to suspect that the additional payments were not being made to the principle balance and the customer service representative kept going in circles and would n't answer my questions directly. <P/>I have attempted to aggressively pay this loan off by trying to get Nelnet to set these additional payments to the principle, but everything to-date has gone to principle. I made an additional {$1500.00} electronic payment thinking it would credit the principle only, but it paid over {$50.00} to interest. <P/>I sent Nelnet a formal letter explaining what I wanted to do on XX/XX/XXXX, but I have to-date never received a written response. I started to converse with them over email on their website and they finally responded. After two sets of emails, I finally got them to state in writing that there is no way for them to credit/apply additional payments solely to the principle balance. <P/>It is my understanding, after reviewing several online sources including CFPB, that they should be able to credit/apply additional payments to principle when directed to do so. However, I have stopped making any additional payments as of XX/XX/XXXX until I am confident that they will do so. <P/>On a side note, I am an avid listener to a well known national radio financial show and many other listeners have called in complaining about the same problem and some have their loans with the same company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I received a letter from the Transworld systems inc. collection agency for the amount of {$120.00}, for medication delivered to me at by address. I phoned XXXX XXXX at XXXX XXXX, They said the medication was delivered to XXXX XXXX at my address .They said the medication was ordered by a Physician not servicing my care and medication that I do not take or my private physician for over 20 yrs, has never ordered for me. Now they have put my name in collection.How can they order me medication that my primary physician did not prescribe, that is dangerous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: FL

Complaint narrative:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

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 2017-07-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed XXXX disputed Experian disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

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