vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Per my credit report, XX/XX/XXXX This collection was placed on behalf of my former employer  XXXX XXXX for XXXX XXXX XXXX at XXXX XXXX XXXX. 

However this was supposed to come out of my pay checks. I have attached a pay check stub for XX/XX/XXXX where I had paid a total of {$100.00} YTD ( Year to Date ) for " Lodging '' and {$220.00} for Student Loan per my signed contract. However on XX/XX/XXXX my YTD resets to {$75.00} for Student loan and {$25.00} for lodging. XX/XX/XXXX it ads the {$25.00} and {$75.00} again for $ XXXX/XXXX Why? I have no Idea I just worked for them. So far I am missing {$320.00} credit that I paid towards the loan. On XX/XX/XXXX My {$50.00} and {$150.00} disappear again! now I am missing {$520.00} that was deducted from my check and they also did not deduct the student loan per contract. same thing happens on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX then on XX/XX/XXXX I had another {$75.00} for students loan removed, and {$23.00} and my year to date starts all over again. 

You can also see now Tuition Rebate where they give me back {$37.00} Fast forward, XX/XX/XXXX I get a check for {$8.00}, they take out {$44.00} for student loan and rebate me my full rebate to get some of the money back. Proving that even when you didn't make enough XXXX made sure they got their money. 

XX/XX/XXXX shows it more as they take out twice as much for lodging because prior check didn't cover it. 

XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX they take out {$37.00} and paid me back {$37.00} this is also a {$0.00} pay check. 
XX/XX/XXXX I get {$50.00} taken out. 
XX/XX/XXXX I am paid {$32.00} Net pay and no student loan deducted, no rebate XX/XX/XXXX I get {$16.00} Net pay check no student loan removed, no rebate XX/XX/XXXX I get {$29.00} Net pay check again no loan removed. 

XX/XX/XXXX I get {$24.00} Net pay check again no loan removed. 
XX/XX/XXXX, XX/XX/XXXX or on my Final check of {$330.00} I also had no loan removed. 

Why? Because the loan according to pay roll was paid in full. This collection effecting my TransUnion credit score that I have been asking for almost 3 years to be deleted. 
I see this as fraud, I had also received harassing phone calls back in XXXX that they was going to take my drivers license away which is illegal. This has effected me from getting a mortgage, made me pay 2 % more on a car loan.

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 2019-05-29 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax ; XXXX and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: FL

Complaint narrative:
On Wednesday XX/XX/XXXX I called Transunion and asked to speak with the special handling department, before being transferred i was interrogated by a representative as to why I wanted to speak to someone from that department, I felt as though I needed to give her a good enough reason or else she would deny my request. After I stated politely that someone in that department could only help me she questioned me again, got silent after I didn't reply and she just transferred me rudely. At that time I began to speak to someone by the name of XXXX. I let her know that my call was in regards to a Transunion error and that I noticed newly re-inserted inquiries on my report in which I was not given prior written notification and that I wanted the hard inquiries permanently removed. I told her that the following inquiries needed to be removed because they've caused damaging affects to my credit report and score : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX The representative constantly went back and forth with me stating that I have to make a dispute with the creditor when I assured her that it was an issue/error on Transunions behalf and that they violated Sec 611 of the FCRA. She refused to remove the inquiries.

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 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/19 I disputed the XXXX account with Transunion. Transunion provided results only saying the account was valid. I reached out to XXXX and requested they provide me with the proper validation of the debt. I also asked Transunion to provide me with the information they used to confirm the debt was valid. 

XXXX did not provide me with validation. Transunion did not provide me with their method of verification. This is a violation of the FCRA. 

Since XXXX can not provide me with proper validation how did Transunion validate the debt. Clearly XXXX did not provide Transunion with validation of the debt.

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 2019-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc.
State: OH

Complaint narrative:
Caliber Mortgage reported my payment late for 2 months. 
My payment was short by a small amount due to an increase in property taxes. Caliber accepted the entire payment rather than rejecting it. My taxes are not due for another 6 months. This should not be reported as a 30 day late payment on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: FL

Complaint narrative:
There was no contract with Capio Partners. However theyve reported a collection for {$390.00} despite requesting {$270.00} then {$240.00} from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I ported my phone number out of XXXX and moved to XXXX XXXX XXXX. I did this the day of my bill being due for the next months cycle. When I called to dispute the {$94.00} bill, a polite female representative from XXXX told me I had a {$94.00} bill due for next month, but she decided she was going to wipe that since It's the day it was due and my number had already been ported out, and in her words said something along the lines of " I'll give you a break ''. I was very thankful. 

That day of I lost access to my XXXX online account, the area where I'd see my bills, pay bills and manage anything I had to do with XXXX. 

4 months later I see a derogatory remark on my credit report that this bill was actually not removed like the XXXX representative, but in fact kept secret from me and sold to a debt collection agency. XXXX made no effort whatsoever to reach out to me to try and charge me for this bill and instead went straight to debt collections, all while I assumed it didn't exist. 

I disputed with XXXX, 2 days later it was removed from my credit report. 
I disputed with XXXX, 4 days later it was removed from my credit report. 
I disputed with XXXX, 14 days later they concluded that the debt was legitimate and will not remove it. 

I've been on calls with Amsher debt collection, XXXX and XXXX wasting hours and hours of time trying to resolve this to no avail at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: AZ

Complaint narrative:
On Wednesday XX/XX/2019 at approximately XXXX XXXX, XXXX XXXX of " IC System, '' called me to collect a debt ( {$50.00} from XXXX XXXX XXXX ). At that time, I informed him that I would pay XXXX directly because that way they will be able to restart my pet 's health insurance which I was unaware had lapsed. 

At that time, XXXX told me that " XXXX would prefer that I pay IC systems '' when I asked why that was, he stated that " XXXX may not have my file any longer. '' When pushed, he admitted that he was entirely unaware of whether XXXX had my file. Accordingly, XXXX was attempting to collect this debt by making misleading statements ( a statement as fact, that he had no factual premise for ). 

Moreover, he proceed to call me a " piddly little person. ''

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 2019-05-29 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX ; Experian and XXXX are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Automatic Data Processing, Inc.
State: GA

Complaint narrative:
Call back in XX/XX/XXXX account had fraud activity and it is now XX/XX/XXXX and i  still have not received a card, Called on XX/XX/XXXX to get a check authenticated but i found out today that they put the wrong check number in the system. While i had the rep on the phone i asked could they send me another card and they are telling me now i have to send in paperwork in order to get my address changed which i didn't have to do the first time i got it changed. This company is giving me the runaround for my own money and i have bills to pay i have been more then patient with this company i just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
I was on a XXXX XXXX flight from XXXX to XXXX on Tuesday, XX/XX/2019 when the flight attendants distributed applications for a XXXX XXXX Mastercard on board. The crew member announced over the loud speaker that anyone who opened a new account would automatically earn XXXX points redeemable towards future travel, and that the card carried no annual fee. I took an application and filled it out, returning it to a crew member before the end of the flight. Upon arrival of my new card a couple of days ago, and after setting up online account access and reviewing my " XXXX XXXX '' points, it became clear that you had to spend {$1000.00} in the first 90 days of opening your account before you would earn the XXXX points. I submitted a complaint to XXXX XXXX / Barclays Bank through the " manage your accounts '' question form online and received a response stating that I would the earn the points upon spending {$1000.00} in 90 days and after my annual fee posted to my account. I then called a customer service rep for XXXX XXXX/Barclays who clarified that my card did not carry an annual fee but that I indeed had to spend {$1000.00} in 90 days to earn the XXXX points. I feel this is an egregious example of false advertising on XXXX XXXX 's part because at no time on the plane did they state you had to spend {$1000.00} to earn the points. I was travelling with my husband who can verify that, and in addition, a co-worker who traveled XXXX XXXX around the same time said she heard the same offer and also did NOT hear they say you had to spend {$1000.00} in 90 days to get the points.

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 2019-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX ; XXXX  and Transunion are reporting an incorrect charge-off on the XXXX partial account number XXXX, in the amount of {$10000.00}. ( Please see pages 9 and 10 of the attached credit report. ) This account was in my deceased husbands name. I was not a co-signer on the loan. After my husbands passing, I never received any bills/notices or letters regarding this outstanding debt. There was no Estate to inherit and no Estate to cover any outstanding debts. This incorrect reporting on my credit report is harming my credit score.

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 2019-05-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: AR

Complaint narrative:
Someone just used my name, SS number to open a account wth XXXX just a few mins ago Please help me this has happen a lot for me .. 
Thanks very much, 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 2019-05-29 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: NY

Complaint narrative:
TD Bank Is Charging me alot of Money On My Cheeking Account:XXXX Am Getting Charge For Overdraft Fees - {$70.00} and Am Getting Charge for a Provisional Credit Reverse on My TD Checking Account Please Help me With This Problem TD is Charging Me A Total : - {$730.00} on My Checking Account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: NJ

Complaint narrative:
I constantly receive Collection Notice ( s ) from XXXX XXXX XXXX , XXXX a company that is attempting to collect a debt owed for parking tickets owed to the XXXX XXXX Municipal Court in XXXX XXXX, New Jersey i never owned a motor vehicle nor do i have a New Jersey Drivers License or any Drivers License in any other state! 
I written the XXXX XXXX Municipal Court about this error and i didn't receive any responses by mail or in written from XX/XX/2018. 

I also written and made phone calls to the XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: MD

Complaint narrative:
Alliant Credit Union locked me out of my account on XX/XX/19 after they called me inquiring about a recent transaction which I politely informed them that that's none of their business and hung up the phone. I've already filed a XXXX complaint a week ago but they don't seem to be taking that very seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 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: AES/PHEAA
State: WA

Complaint narrative:
Hello, My accounts with Fedloan servicing were under forbearance and deferement and yet they refuse to update my credit reporting to reflect this. Going against both Sec. 463 ( C ) ( 4 ) ( A ) of the HEA and section 623 A ) ( 2 of the FCRA. This is literally ruining my life. It accounts for 95 % of my negative credit reporting and again.. these accounts were under approved forbearance and I had no reason to make payments.

FTC advisory opinion related to this can be found at. 
https : //www.ftc.govXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Data Corporation
State: OH

Complaint narrative:
To Whom It May Concern, The reason for my dispute is TRS RECOVERY SERVICES XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, TRS RECOVERY SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) TRS RECOVERY SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation TRS RECOVERY SERVICES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where TRS RECOVERY SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. TRS RECOVERY SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection 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 2019-05-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
PRIOR TO WRONGFUL FORCLOSURE WAS WORKING WITH HUD AS REFERRING. ONCE PRIMARY BORROWER PASSED IMMEDIATE DENIAL FOR HARDSHIP & WAS FORCE TO VACATE PRIMARY HOME. THE LENDER HAS YET TO ASSIT WITH COMPLETE UNDERSTAING OF PROFIT AND LOSS. CO BORROWER MYSELF WAS AWARDED XXXX SSI SINCE XX/XX/2006. PRIOR TO INSURED BORROWER PASSING FOR WRONGFUL DEATH. LIVING ADDRESS WAS NOT A BUSINESS. INCOME WAS EXEMPT FOR BOTH

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 2019-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
They keep reporting as a collection on my credit reports and can't provide accurate data such as correct amount owed, correct balances or the accurate age of this account, which by the way is over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: White Jacobs & Associates
State: CA

Complaint narrative:
We received a letter from XXXX XXXX XXXX XXXX XXXX. threatening to sue our office. The fax number listed on the letter is for White, Jacobs & Associates. The letter stated that the attorney was  licensed in Texas, Colorado, Georgia and Washington, DC. Our research revealed that the attorney is suspended in Texas, Colorado and DC. We called the phone number for the attorney found on the Georgia XXXX XXXX and spoke with the attorney, who stated he is no longer practicing law and that the letter is a forgery. I called the telephone number for White, Jacobs & Associates found on their website and, using the dial by name directory, was connected to the extension for the attorney, XXXX XXXX XXXX. The recording stated that his law practice is permanently closed. I then transferred to an agent, who acknowledged that they sent the letter and then, after placing me on hold, came back and said that he spoke to the attorney, who said that we need to communicate only in writing. Clearly this is not true. This company, a credit repair organization, is committing interstate fraud.

Company response to consumer: Closed with explanation