vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: TX

Complaint narrative:
I received a notice from one main financial asking me to go to a police station and have a paper signed in front of the police officer. I am XXXX, are they suggesting that I do not have a XXXX XXXX or XXXX  because other companies just remove the hard inquiry. I have not seen such resistance from a company that has violated my rights. Has no proof that I requested any type of services with that company. Has not been able to prove that I was at a branch location as listed on my XXXX and XXXX credit report. Are now stating through this letter that they have multiple lending partners and maybe I HAVE issues now with My MEMORY!!!!! WOW. This is harassment. I feel violated, This has cause a XXXX XXXX, With my medical condition and the external factor being presented with this letter. One main financial needs to either remove the hard inquiry of my credit report, or explain why there are not able to do so.I do not need to go to a police station or send in a statement after they have not been able to prove that the hard inquiry belongs to me. This is a deceptive Business Practice. How many consumers are being affected by companies that will not admit to their mistake. Please Assist Me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: REVERSE MORTGAGE INVESTMENT TR
State: WA

Complaint narrative:
The Reverse Mortgage Servicing department decided to advance my line off credit with out my permission or knowledge. The result is that the amount I will owe and pay interest on has been increase. Currently, I only know of one unauthorized cash advance, which has been added to the payoff amount. The I obtained the reverse mortgage, I needed around {$200000.00}. I told the company several times that my finances are stable. I want to be able to pay off the mortgage in the next year. But they have added draws from the line of credit that has increased the loan balance. I unsure how many times they have added draws, which I did not ask for. The latest draw they processed was for {$460.00}, which I did not request and have not received any payment for. I believe that they are trying to falsify the true balance of the mortgage by adding in draws that I neither requested or authorized. I believe my original loan balance has been increased by their unauthorized activity. Adding a draw, which is added at 4.175 % interest to the balance I owe seems illegal. I have never wanted to use the line of credit. The fixed amount of the original reverse mortgage amount was all I wanted. I informed the company, based in XXXX Mi, that I would never want to exercise my option to take draws. Nevertheless, the company appears to have taken draws from my account, illegally. The fate of the {$460.00} draw is a mystery. I have received NO payment from them in the amount of the draw. I believe that their actions are fraudulent. 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
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I submitted forms to XXXX XXXX ( divn of Webster Bank ) and XXXX XXXX for my account balance with HSA Bank to be transferred to XXXX XXXX in a trustee-to-trustee transfer. After waiting 8 weeks, I inquired with HSA bank why the transfer had not yet been executed, and was told the forms must have been lost. At that time, I re-submitted the forms to XXXX XXXX at XXXX XXXX, and was told the forms would be forwarded to the Operations Department for immediate processing of the transfer. 

As of XX/XX/XXXX, more than four months after originally requesting the transfer, XXXX XXXX has not yet transferred the funds to my HSA with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I opened an account online with XXXX XXXX on XX/XX/XXXX through a link they were promoting at the time to receive a {$150.00} sign up bonus. I opened the account through the link online and met the direct deposit requirements within 60 days as they acknowledged in their delayed response in their secure message response ( late XX/XX/XXXX),  after messaging them at least 1-2 weeks earlier. After having already waited beyond the expected timeframe of ~90 days following direct deposit for bonus to post, I still have not received my bonus. I then messaged them again and then they told me to wait 90-145 days after opening the account. I opened the account on XX/XX/XXXX. It is now XX/XX/XXXX, nearly 5 months later ( beyond 145 days ). Still no bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was paying my bill every month and I started to notice that the interested was not going down. I called and sent letters to try and get them to explain this to me and the kept telling me it's because of 31 days. The statements are confusing and customer service was no help

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 2018-06-16 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:
On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ref # XXXX, PORTFOLIO RECOVERY ACC # XXXX and XXXX XXXX   XXXX/XXXX ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a secured XXXX $ credit card with bank of America I was charged for an unknown item was not contacted about it paid the balance and never used the card again sometime later I checked my credit to see the had a collection for XXXX $ I don't know where this came from I never received a letter or any contact from bank of America.when I disputed it they said it was correct but provided no proof I called to do a pay to delete because they stated it was the only way to remove it being that it was so old. it was only XXXX $ even though i know I didn't owe them anything. after I paid that XXXX $ I waited for them to remove it nothing happened I had been tricked and lied to I've gone to the bank called on the phone and now nothing I would like validation and this account deleted from my credit report thank you

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 2018-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR

Complaint narrative:
It seems that they obtained my personal information and they are making inquiries in my credit and they opened a credit card account that is not mine of bank of america I put a blockade of the credit but it stops that it did not work.

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 2018-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I disputed PORTFOLIO RECOVERY ACC # XXXX last XX/XX/2018 through the credit bureaus and by sending Portfolio Recovery a validation request. More than 30 days have past and still, nothing happened. Did not receive any proper validation documents from Portfilio recovery. Moreover, upon checking my credit report, I found evidence of this companies violations which I elaborately explained on a separate document attached to this compalint. Violation such as missing/inaccurate informatio, misleading/incorrect creditor type etch. All of which violated both FCRA and FDCPA. This is the last I am giving you. I will not hesitate to bring to to court if nothing still happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation
State: CO

Complaint narrative:
During my enrollment at XXXX XXXX, I was informed by the school financial consultant and admissions counselors that my tuition would be covered under my federal and private student loans. Prior to dropping out, I began making payments on my student loans. Afterwards, I was under the impression that any sum or money owed to the school was covered under my loans, and I continue paying them on a monthly basis. Currently, I'm still paying off my federal and private student loans. Earlier this month ( XXXX ) I checked my credit reporting account and noticed that a sum of around {$2500.00} was sent to collections ( XXXX XXXX XXXX ) from the school back in XX/XX/2017. When the sum was transferred to the debt collector, I was not notified in any way that I owed this debt or that it was transferred at all. I have formally filed a dispute with 2 credit reporting agencies and I have also filed a borrower defense discharge application with the Department of Education. After the disputes were filed, I have finally received a notice about the debt today, XX/XX/XXXX, demanding the amount in full or to sign up for a 12 month payment plan. I find it very unprofessional that the school openly lied to me about their financial practices and that the debt collector didn't inform me until 6 months after the debt was transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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: Credit Karma, LLC
State: NC

Complaint narrative:
I recently viewed my credit report via Credit Karma as well as XXXX XXXX and noticed two credit cards that I did not apply for. The names of the credit card companies are XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX. I contacted both companies several times to let them know that these accounts are fraudulent and each time, they were unable to assist me. They continuously asked for my social security number, which I was uncomfortable providing them with, and an account number, which I don't have. I filed a dispute via Credit Karma and I was completely unhappy and confused with the results. They simply stated that the information was accurate and correct without even reaching out to me to verify anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16 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:
On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX XXXX # XXXX, XXXX XXXX ref #  XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX   XXXX/XXXX XXXX # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.

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 2018-06-16 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:
On my last correspondence to you last XX/XX/2018 I disputed several items which are incorrect, inaccurate and violating FCRA. After more than 30 days, I do not believe that proper investigation took place as there are several violations visible of how the items where reported. Information showing the account was re-aged and missing information from the report. I disputed XXXX ref # XXXX, XXXX XXXX ACC # XXXX and XXXX XXXX XXXX/XXXX  ACC # XXXX. All these account shows violation of FCRA. Some reports incorrect late payments, some have missing/incomplete information, others are re-aged and reporting misleading information such as creditor type and so on. This is my last resort before taking legal action. So I am giving you another 30 days to remove these items from my credit report. Attached with this complaint is a copy of the letter sent to you last XX/XX/XXXX and some info I found on my credit report that proves the violations.

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 2018-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am unable to check my credit score on things like XXXX XXXX and XXXX XXXX. WHen trying to create account I get a notification that my personal information is incorrect which it shouldnt be be.

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 2018-06-16 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: SC

Complaint narrative:
Transunion XXXX XXXX XXXX  XXXX XXXX, PA XX/XX/XXXX I am writing to challenge the misreporting mortgage 81 month account payment history and compliance on both accounts with XXXX XXXX that is being reported on my credit report with incorrect/missing info. The accounts are listed below : XXXX XXXX ACCT and XXXX XXXX Transunion Acct XXXX XXXX ACCT and XXXX XXXX Transunion Acct More specifically, I am referencing the fact that you are reporting an incorrect high balance, not applying my payments correctly, reporting old debt as new, an incorrect account number, an undated late pay, a missing field of [ 81 month account payment history ], the wrong account type, an incorrect credit limit, a late pay after account was closed, an inaccurate date of last activity, an inaccurate date of last update, an inaccurate reporting date ]. There is insufficient information about my mortgage accounts that are affecting my score. I have disputed this error over 6 times with Transunion and XXXX XXXX. Your improper procedures are highly damaging to my credit score, causing additional stress and preventing me from receiving the best home mortgage rates and credit cards. Please immediately update my 81 month account payment history on both XXXX XXXX Accounts and please correct the insufficient information about my mortgage accounts that are affecting my score. These accounts listed were never late and always paid as agreed from XX/XX/XXXX to present. Please update the NR on my 81 month payment history to reflect Pays As Agrees from XX/XX/XXXX to present on both XXXX XXXX Accounts. Attachments : XXXX XXXX payment history from XX/XX/XXXX- XX/XX/XXXX. The first mortgage account. This account is closed and never late payment from XX/XX/XXXX- XX/XX/XXXX. Attachments : XXXX XXXX payment history from XX/XX/XXXX- to present. The refinanced account. This account is open and never late payment from XX/XX/XXXX- to present. 

Your credit is based on your credit history and length of accounts that are paid as agreed on monthly basis. My 81 month mortgage account on both accounts does not reflect my excellent payment history from XX/XX/XXXX- XX/XX/XXXX first mortgage account in which this account is closed and XX/XX/XXXX-XX/XX/XXXX refinanced mortgage is currently open and never late. 
I am making my payments on time, however I do not have any credit history on both accounts from XX/XX/XXXX- present that reflects the excellent payment history. I also have insufficient information about my mortgage accounts that is damaging my credit history.

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 2018-06-16 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: CA

Complaint narrative:
There are two erroneous hard inquiries on my TransUnion credit report and the company refused to remove them when I contacted them. 

On XX/XX/2017, I applied for a credit card with XXXX XXXX and authorized an inquiry on my credit report. For some reason, XXXX pulled my report twice in error, one addressed XXXXXXXX XXXX and one XXXX XXXXXXXX XXXX. 

On XX/XX/2017, I applied for a card lease with XXXX XXXX and authorized an inquiry on my report. However, the dealership I was dealing with, XXXX XXXX, also pulled my credit report, without my knowledge and without my authorization. 

As these inquires are made in error / without my authorization, they should be dropped from my report. However, when I spoke with TransUnion on the phone, the representative is adamant that inquiries can not be dropped once made. I found that unacceptable.

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 2018-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I sent credit acceptance a debt validation letter ( letter attached ) asking for debt validation on XX/XX/XXXX. They received the debt validation letter on XX/XX/XXXX. On XX/XX/XXXX credit acceptance hired a repo company to seize my private automobile on my private property. I did not receive any notices in the mail from the repo company giving me rights to dispute the debt they was collecting on. I also did not receive any documents in the mail from credit acceptance saying the repo company was collecting on a debt and could arrive on my private property.Under the Fair Debt Collection Practices Act, I have the right to request a validation of this debt. I requested that they prove that I am indeed the interested party who is contractually obligated to pay this debt. While i was in dispute credit acceptance sent a repo company to seize my private automobile which is a violation and i highlighted on the debt validation letter attached to cease and desist until they provide proof of an alleged claim.They did not provide proof of their claim and I have attached the documents sent on XX/XX/XXXX ( letter attached ) which was after they seized my private automobile while in dispute. They did not send me copies of the original contract i asked for in the letter and did not provide A copy of the contract that shows that there was an offer made, mutual acceptance, terms and conditions, consideration and the two wet-ink signatures of both parties who have voluntarily entered into a legally binding contract. Also they need to provide proof to the cfpb they are allowed to collect in my state.This company is in violation of FDCPA 805,806,807,808,809.

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 2018-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, placed a collection on my credit report on XX/XX/2018 from a old XXXX XXXX debt. The account was already previously removed from my credit report and they some how were able to place it back on without sending me any written notices or letters. I have never received an official document from them. When I did dispute the collection they then threatened me on the report saying Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department. But I still have not actually received any official letters or documents from them.

Company response to consumer: Closed with non-monetary relief