vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-28 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: MO

Complaint narrative:
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my XXXX report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. Transunion Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

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 2017-11-28 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Last year I found out that I had a lot of information on my credit bureaus that wasnt mine such as collection accounts, inquiries and personal information. I found out that my information was mixed was mixed up with a different name than mine with addresses that I never lived at in Alaska, phone numbers that werent mine and several inquiries that werent mine and collection accounts. I have had most of the info removed off my Experian report, I disputed with XXXX and they removed some personal info but not all of it, they didnt remove fraudulent accounts and or inquiries after the supervisor said they would if I added a fraud report to my bureau. I cant get online to redisoute with XXXX, it keeps saying the information Im entering to verify myself doesnt match their records thats because they might have some of the wrong info. XXXX Im having problems with the inquiries and again its impossibke to get ahold of any live representatives and or online with them. These issues have caused my scores to drop over 130 points in the past year.

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX charged my card with out any authorization from any part. He did not obtain a signature from anyone authorizing the transaction or any written consent to do so. A dispute was filed for services not provided and fraud in XXXX and now again in XXXX for fraud again. The banks the processed the transactions TD Bank, XXXX XXXX, and XXXX XXXX XXXX. Did not due there due diligence in investigating the claim. The never made a followup to allow me to address his false position and defend myself against XXXX XXXX defaming letter ( s ). They never even made any attempt to verify if the charges were indeed authorized which they were not. There is not any correspondence or signature to authorize the claim. In one letter to TD Bank the letter state the charge was " Called In '' and the receipt shows it was swiped. 

XXXX XXXX XXXX has {$13000.00} in unauthorized fraudulent charges and services not provided to my account which TD Bank failed to protect me for. XXXX Can not provide proof of authorization for these transactions in any facet. 

These banks failed to protect me as a consumer and this attorney has indeed committed fraud. 

I pray for you assistance in this matter. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX, XXXX, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

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 2017-11-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am currently {$100000.00} + in debt because XXXX College took out multiple loans under my name. For XX/XX/XXXX alone I have 5 loans taken out totaling {$20000.00}. XX/XX/XXXX I have 4 loans out for a total amount of {$18000.00}. I have tried contacting the collection agency where my account is in and no one will give me information other than the total loans I have. The current collection agency names, XXXX told me to contact Federal Student Aid, then I was asked to contact the collection agency for " better assistance ''. I do n't understand how you end up paying XXXX for a XXXX XXXX XXXX for a college that no longer exists. Where can you dispute this kind of problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
In the beginning of XXXX 2017, I opened an Advance Checking account with HSBC in order to meet their requirement for {$350.00} account opening ( {$10000.00} or more direct deposit ). After selecting the middle option on their application website I arranged for the direct deposit to commence. Subsequently I was welcomed by HSBC welcome messages referring to generic " HSBC product '' until XX/XX/XXXX when the first notification of Choice account was made followed by the paper statement. Since I did n't apply for Choice account I contacted the HSBC overseas call center CS center to find out why was the account switched without my previous permission or knowledge. After a long wait ( about 10 min ) the CSR for checking stated that the issue is with online dept and not theirs and then subsequently transferred me to the non-working extension. 
When I called again and spent again about 15 min on call I was told that it was me that selected the Choice checking despite meeting the conditions in regards of the Advance checking. I was also informed that any changes in account status will automatically disqualify the bonus leading me to the conclusion that the switch has been done on purpose. 
Questions : 1 ) Why any notifications sent out by HSBC prior to commencement of the wire deposit were referring to the generic HSBC product and not advance checking? 
2 ) Why the account representatives overseas are not authorized to address issues such as this as this is the basic customer service function?

3 ) If the HSBC is the ultimate decider of what product customers are allowed to choose why it did n't send out the notifications to that effect instead of arranging the account deposit and then downgrading it to the different product in order not to pay opening bonus ( it was confirmed by HSBC representative to that effect )?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL

Complaint narrative:
Ridiculous from Servicer and XXXX XXXX to keep paying services like Bayview for homeowner 's to keep loosing their properties and they are not doing their job. 

My Name is XXXX XXXX XXXX and I have submitted this modification on behalf of XXXX XXXX in the week of XX/XX/XXXX, I received a called from XXXX XXXX, to see if XXXX the Account Executive on this case has done anything with the documentation I had sent, he informed me that the documentation was just sitting there and that XXXX was not doing anything with it. You may reach XXXX at XXXX. 

He also suggested I should speak with XXXX supervisor. 
The letter that XXXX XXXX got today is a total violation of RESPA. 
since it does not implement any of the documentation that was need it to sent in. Either me or XXXX XXXX had received any documentation requesting additional information. Its Fraud and a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
yes my dad open a military star card in my name with out my promission I try to tell them it was my dad who did it but they are still trying to make me pay it they say I 'm reliable cause my dad used my social security number but the paper they sent me of the account show none of my signature it show my dad and his ex wife my ex step mother the bill keep going up and I not reliable for it cause I 'm not the one who open it and I never knew it was open until I check my credit I try to dispruting but they would n't let me when none of the signature are my that was use when using the card and I was told that if I do n't pay it they will take my tax return and I wont see a penny back from it this need to stop I should have to pay something that I did n't do and this is a military a government program for a shop on XXXX XXXX and XXXX bases so why is the government try to take money from me that I do n't owe them I did nothing wrong and this is unfair plz help me

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 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: First Data Corporation
State: CO

Complaint narrative:
On XXXX XXXX, XXXX I received a Notice of Unpaid Electronic Fund Transfer from XXXX XXXX XXXX stating that XXXX received a check in the amount of {$14.00} which was returned as account was closed. This check was issued by XXXX Bank, XXXX, Ohio. I have never had a bank account with XXXX nor have I purchased any item from XXXX. XXXX confirmed ( e-mail attached ) that I do not owe them any money nor do I have an account with them. I filed per XXXX XXXX request a forgery claim report on XXXX XXXX. I also filed a police report copy of which follows. I have followed all the steps listed on the police report. On XXXX XXXX a letter was sent to me by XXXX, XXXX XXXX. I have tried to contact the telephone number listed on their letter and a recording stated this number was no longer in effect. When I called the new telephone number, I could not speak to a person. I also called XXXX for the XXXX time today, XXXX XXXX, and was told they do have a bank account with the number listed by XXXX but it is NOT in my name. They refused to send me a letter stating that this is NOT my account even though the Federal Trade Commission indicated this to be one of the things I should obtain.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: F.H. Cann & Associates, Inc.
State: NC

Complaint narrative:
I received a letter from F. H. Conn & Associates informing me my student loan was in default and that I must repay them a balance of over {$60000.00}. I have never had any student loans. I informed F.H. Conn that I had no student loans, and after sever letters and months i received a copy of a XXXX XXXX XXXX XXXX XXXX and Promissory Note. The form they sent was hand written and full of errors. I explained to the representatives that I had never seen, nor signed the XXXX XXXX XXXX XXXX XXXX and Promissory Note they sent to me. There are several errors, it is hand written by someone other than me and with my alleged signature, something I would not do. It does not identify who filled out the form, and there is no witness or approval signature. The form has a date stamp of XXXX XXXX, XXXX across the top but the form notes its expiration date as XXXX/XXXX/XXXX. There are several other errors including using my Social Security # as my Drivers License #. I asked for a review of this loan, but have been threatened with wage and tax garnishment and seizure of my property to pay this loan. I have never had a loan. This is an error or a fake. I am not sure what good filing a complaint here will do but I do n't have a lot of other options. Thank you for any assistance you can offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
There was a check I received from XXXX XXXX XXXX, whom I assume was legit. I deposited into my Bank of America account. The check was never used nor was really deposited into the account. I soon fined out it was a scam and I tried to resolve the issue with them and they have not helped me I have been fighting this and have gotten no where. The check was a scam.

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 2017-11-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Vermont Student Assistance Corporation
State: VT

Complaint narrative:
We received a letter on XXXX XXXX from Vermont Student Assistance Corp. stating that my daughters loan was deferred to XXXX/XXXX/XXXX. we then a week later get a later stating that she is over due on paying that months payment. She is doing program ( that includes a masters in business management at the XXXX University XXXX XXXX with a company starting on XXXX. XXXX, XXXX. The documents alluding to this case are all attached. because of the email stating the loans were deferred to XXXX XXXX we stopped investigating a refinancing loan until after the Holidays. We have requested that they grant a forbearance until the end of XXXX XXXX on XXXX/XXXX/XXXX if they are not going to honor their letter dated XXXX and they have not responded. After contacting VSAC once we got another bill they said that the letter granting forbearance was a mistake and to disregard it.

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 2017-11-28 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: CA

Complaint narrative:
XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 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: CA

Complaint narrative:
XXXX XXXX, 2017, is the last date I wrote a letter to this credit repository to dispute how incorrectly and inaccurately several items have been reported. Particular incorrect and inaccurate payment history. I clearly informed this company what their 's and the creditor 's violations are and nothing happened. There are accounts that either shows no data or blank in the payment history. Moreover, they are reporting late payments of 60 or 90 days, but there are no prior lates?! This clearly is a violation of FCRA. Informing me that these items had been verified even though the incorrect and inaccurate information still shows. I kept copies of my previous credit report and a new and will not hesitate to get a legal counsel involve if these are not fixed.

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 2017-11-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
This is a continuation of XXXX " XXXX ''. CFPB closed that complaint. This matter is unresolved. Bank of America has provided NONE of the requested information or actions. I am attaching my response to their response on this complaint.

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 2017-11-28 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America Prepaid Credit Card. Closed my Account and took Prepaid Money to open the Prepaid Credit Card. I was told when I opened the Account with Bank of America after one year I would be issued the new Credit Card that wasnt Prepaid. They closed my account after the year and took the money I put down for the Prepaid Credit Card

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 2017-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I tried to apply for a card at 0 % interest for 18 months from my bank, Wells Fargo in order to set up a new office for my business. I got the run-around for weeks because they insisted the address on my account did not match the address with the XXXX. Finally, they offered to resolve this by giving me {$10000.00} XXXX XXXX at 0 % on my already-established WF credit card for 18 months. This seemed to solve my need so I agreed. For the past 2 months I have noticed significant interest charges on this card ( over $ XXXX for a total now of over {$600.00}. ) While I had been making additional purchases with the card ( beyond the {$10000.00} @ 0 % ) I had also been making large payments to cover the new charges, along with the minimum payment for the {$10000.00} cash advance. I could n't understand why I was getting charged so much interest so I contacted their customer service. According to them, and unbeknowst to me, they had been dividing my monthly payments ( somehow?! ) towards both my new charges AND the {$10000.00} ( which was supposed to be @ 0 % for 18 mo ) rather than applying my monthly towards the higher interest ( new ) charges as well as the minimum payment on the {$10000.00} cash advance. Essentially, now, four months into my 18 months of 0 % interest, they are claiming that I have paid off close to {$9000.00} of the balance that was at 0 %, while meanwhile my accruing new charges in the amount of close to {$15000.00}. It seems incredibly unethical and deceptive for a bank to take it upon themselves to apply portions of payments to a lower-interest-rate-balance when there are higher-interest-rate charges to be paid. This was not disclosed to me and to this day I do now know how they are calculating which percentage of my payments are being applied towards the 0 % cash advance. When I spoke with them on Monday, they insisted there was nothing that could be done.

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