vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-06 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: LA

Complaint narrative:
On XX/XX/XXXX I requested that Transition investigate the XXXX XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. 

This a violation of the FCRA.

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 2019-08-06 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: VA

Complaint narrative:
I was closing on a refinance Va Loan on XX/XX/2019. The terms were that we can skip XXXX and XXXX payments. Mortgage co., XXXX XXXX XXXX XXXX up the closing and did not disclose to us to pay XXXX payment. We moved with the closing into XXXX, funding was not paid to XXXX mortgage. On XX/XX/2019, we were instructed to pay XXXX payment and the new terms were skip XXXX and XXXX payments. Even though XXXX mortgage received their money, they went to as far to report us 30 days late for XXXX payment. I in-turn called XXXX XXXX XXXX to report the problem. As of today neither XXXX XXXX XXXX or XXXX mortgage corrected XXXX 's late payment. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Date of event XXXX-Navient withdrew {$690.00} from account for payment, claimed that application was not signed. When submitted it was signed electronically. When called the services stated they would credit funds back to account. As of XX/XX/19 no sign of such has been indicated on the account. I am a XXXX employee and the deduction will leave me unable to pay my bills and purchase gas for my travel to work. This is an extreme hardship that I can not possibly afford. The worst part is my bills are on auto draft. This will equate overdraft fees of {$24.00} per draw. The last time I had an issue with Navient I was charged {$96.00} in overdraft fees that I was never reimbursed. As a XXXX   employee I have very little cushion outside my monthly expenses. Like most Americans I do not have a large saving that can sustain me past this debacle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: LA

Complaint narrative:
On XX/XX/XXXX I requested that Transunion investigate the XXXX XXXX XXXX account ( account numberXXXX ) that is reporting on my credit report. According to the results I received from Transunion and my Transunion credit report the account was last updated XX/XX/XXXX. This means that Transunion has never conducted an investigation when I disputed the account. On XX/XX/XXXX I sent another letter to Transunion about them not investigating this account when I requested and demanded them to delete it for failure to complete an investigation according to the FCRA guidelines, they still didn't delete the account or investigate. This a violation of the FCRA.

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 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: AR

Complaint narrative:
Franklin American Mortgage sold my loan to Citizens. I made the payment on XX/XX/19. They told me that they would forward my payment to Citizens. They saw I had made payment. I made my payment to Franklin American. I got a bill from Citizens saying it was not paid. I called Franklin American and they said they were only forwarding payments for 60 days. I was at 70 days. So they said they would forward the payment in 20 days. Or they would mail me a check Franklin said they showed the payment. I spoke to Citizens who said they wouldn't charge any fees. 20 days passed nothing. I called Franklin American who now says that they show I never made the payment. I had my bill pay provider call them, they won't talk to them. Then I sent ( email ) them confirmation of the electronic payment from the bill pay provider. XXXX, a supervisor from Franklin American said that he would look into it. Of course nothing. They no longer seem willing to help me and this will negatively impact my credit and cause difficulties with my home loan. Citizens has been trying but Franklin American doesn't care what they do, they lie and they could care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Sir or Ma'am, This is in regards to a Phishing scam conducted by Chase Sapphire Preferred team. On Friday, XX/XX/XXXX, I called Chase Sapphire Preferred customer service@XXXX. They refused to help address questions I had about a recent purchases, billing, reverse charges, etc - until I " authenticated myself ''. Pretty standard practices on the surface? However, the questions they are asking, are not personal to me ( mother 's maiden name, city you grew up in, etc ). Instead, they use their mobile app to access your phone contacts. Then their " qualifying questions '' become as follows : Chase : " Do you know anyone named 'XXXX XXXX? '' Me : " Yes, I know two XXXX 's, why do you ask. '' Chase : " Can you tell me her birth date please? '' Me : " No, I don't know it. '' ( I lied ). 
Chase : " Do you know anyone named 'XXXX  XXXX? '' Me : " Yes, of course, but I'm not giving PII ( Personal Identification Information ) to you for any of my friends or family. '' You should note that this rep was of XXXX descent. So they have people in foreign countries using our mobile app, to phish for PII on American citizens. This is how we end up having a major data breach with millions of consumers being affected and identities being stolen. While I was being passed to a 3rd person ( a supervisor ), to complain about their tactics, I also drove a block away to a Chase bank, I put their rep on speaker to allow the branch manager listen to what I was being told over the phone. He asked : Chase Manager : " Did you call us, or did we call you? '' Me : " I called you, to get assistance with my card. '' Chase Manager : " Then it's not phishing, because you called us ''. 
Me : " Other people 's PII has nothing to do with authenticating 'ME '. If you're asking questions about other people, you are identifying THEM, not me. '' Chase Manager : " All companies do this ''. 

Conclusion : When we add a contact into our phones, it often includes first|last name , street address, email address, etc. Now, Chase is allowing their offshore people to access that data, and then ask additional PII ( DOB ) that could allow them access to hijacking their identities. And, they refuse to help me until I give in. I had to speak to 3 people, then had to hang up and walk out of the bank, because I wouldn't give in. I still didn't get my questions answered. 

Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING FRAUDULENT STUDENT LOAN ACCOUNTS AND INQUIRIES FROM MY CONSUMER REPORT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-06 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: LA

Complaint narrative:
On XX/XX/19 I requested that Equifax investigate the XXXX account ( account number:XXXX ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/2019. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
Please see the attached statement of payment activity from Mr. Cooper. On XX/XX/XXXX, I received an email from Mr. Cooper stating that my payment had been posted. I checked to see if my XXXX payment had been posted correctly. It had. They showed that {$500.00} had been applied to principle along with the additional {$600.00} that I had sent. The principle balance showed as {$140000.00}. This morning, I received another email saying that my XXXX payment had been posted. Only, this time, this time, there are four new entries. They cancelled out the original posting, and lowered the principle payment to {$500.00} along my {$600.00} additional payment, but now, the principle balance is {$140000.00}. The balance is now {$860.00} higher than what it was before. JUST WHAT IS GOING ON!! As I said before, it is high time for Mr. Cooper to be audited. How many other people are they cheating out of their money?? 

Also, my original complaint against Mr. Cooper has not been resolved. My {$1200.00} additional principle payment from XXXX still has not been applied to my account. I have not received a reply from XXXX XXXX concerning the {$450.00} in legal fees that she claims that I owe, when the trustee of the bankrupty had already paid it. 

I made two attachments. I don't see where they are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Requested payoff amount for loan # 1 of 2 and subsequent adjustment to Auto Pay amount. Payment not allocated entirely to loan # 1 and Auto Pay for both loan payments cancelled resulting in removal of interest rate reduction of .25 %  meaning it will take longer to pay off loan # 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: VA

Complaint narrative:
I called Transunion to get an explanation of why my credit score have not recovered from month before last higher than normal balances reported from my credit card company. My credit score dropped 40 points because of it. Last month I paid down those balances bringing my Utilization down to 16 % but my credit score still remains at 40 points lower. I called to get answers and no one would answer my questions or explain to me why the score has not recovered. Transunion has outsourced their calls overseas to people who can't answer none of my questions. This is a major problem for consumers who need answers to their concerns about credit. As important as credit scores are to my livelihood I need people who can answer my questions and resolve my problems with my Transunion 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 non-monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
In XXXX, I had called to ask about the process for removing PMI from our mortgage. In response, they sent a letter stating we would need to meet the 80 % LTV - which we knew, just wanted the process. We still had half a year before getting to the 80 % mark,XX/XX/XXXX. 

I called PennyMac at the beginning of XX/XX/XXXX to request removal of the mortgage insurance ( MI ) from our loan. I was told, per the documents I signed that it wouldn't be removed until some year in the future ( I do not remember what year but something like XXXX ). It couldn't be removed because it was an investment property. I asked where they got this date and they said on the MI disclosure we signed - I asked for a copy of the MI disclosure. The copy they provided actually showed XX/XX/XXXX which is what we had signed at settlement. No idea where their XXXX? date came from. 

On XX/XX/XXXX I officially requested in writing ( via their secure messaging system XXXX removal of the PMI associated with our loan. I provided a copy of the MI disclosure document that specifically states the date MI can be removed and that states this was not a high risk mortgage and that the above guidance applied. There are no other loan documents that modify the MI disclosure document. Additionally, the ability to remove MI at the 80 % point was material in our decision on proceeding with the subject loan. We would likely have made very different loan decisions as it impacts our bottom line. 

The response we received from PennyMac was " Unfortunately, the MI disclosure is a generic disclosure for primary residence. In your case, your property is an Investment property based on your loan application. After receiving your request for information on PMI deletion, I submitted a request for PMI deletion based on original value. Unfortunately, your loan does not qualify at this time, as your LTV must be below 65 %. You will receive a letter in the mail that will recap the above information. Presently your LTV is 79.90 %. ... '' The document may be " generic '' but that should not relieve its applicability if used. If a different disclosure for investment properties should have been used, that is not our error. We went into the mortgage contract in good faith and we were not the writers of the documents.Additionally, we even requested confirmation of the MI removal when we received the initial loan documents for review prior to settlement. It was verbally confirmed the MI would be removed at the 80 % LTV point. 

The attached file is what we provided to PennyMac via their secure messaging center on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Vengroff Williams, Inc
State: IL

Complaint narrative:
I was contacted via mail by a collection company called XXXX XXXX ( XXXX XXXX XXXX XXXX fl XXXX ) on XX/XX/XXXX and XX/XX/XXXX. After the first letter I called the company ( XXXX ) and left a message stating this was the result of identity theft and I am not responsible for. The letter is for the amount of {$220.00} for a XXXX taken out fraudulently in my name on XX/XX/2019. The letter states that if I do not contact them within 30 days to dispute I acknowledge Im responsible. I did so but calling them as well as contacting XXXX for the second time and speaking with XXXX in the identify theft dept there, XXXX XXXX and the credit dept at XXXX. I send XXXX all the documents needed ( police report etc ). I even had the detective assigned to my case contact XXXX. I was told it would be handled. 
Now I get another letter dated XX/XX/XXXX from XXXX XXXX about the debt I do not owe. I called and left a message on XX/XX/XXXX. I received a call back from XXXX XXXX on XX/XX/XXXX and he stated he has no information from XXXX   that the acct was fraudulent. Ive done my due diligence with this and should not be contacted by XXXX XXXX. At this point its harassment and being the victim of identity theft makes it worse. 
I have also contacts XXXX for the fourth time about why they have not handled this case and I am still being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Automated Collection Services, Inc.
State: AL

Complaint narrative:
Automated Collection Services, P O Box XXXX, XXXX, TN XXXX XXXX Account # : XXXX has placed on my credit report a bill for {$680.00} that I do not owe. Bill was for XXXX I suffered committed by XXXX, Tennessee, XXXX Department XXXX on XX/XX/2018. I was XXXX, XXXX to contain, medicated, XXXX and taken to a local area hospital inside XXXX, Tennessee. At the onset of the XXXX these XXXX  ' services were unwanted and not needed. 

I do not owe this bill. The city of XXXX, Tennessee should be compensating me for injuries I sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: LA

Complaint narrative:
On XX/XX/XXXX I requested that Equifax investigate the XXXX XXXX ( account number:XXXX  ) that is reporting on my credit report. According to the results I received from Equifax and my Equifax credit report the account was last updated XX/XX/XXXX. This means that Equifax has never conducted an investigation when I disputed the account. This is a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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:
On XX/XX/2019, I received a call from a XXXX number. I was hesitant to answer but I had a gut feeling i should answer the call. Upon answering the call, an individual stated that they were calling from TD Bank ( HEREINAFTER, " TD '' ) and they want to go over some transactions that seemed irregular on my account. The individual went over two transactions that occurred in XXXX, FL and i vehemently denied all claims because I was physically in New Jersey at the time and I was in sole possession of my debit card. Because of the area i was in, the call kept dropping and the person kept calling back. I become a little concerned with the validity of the call and XXXX the number I was receiving the call from. I then XXXX the number, XXXX and the search came back as TD Fraud department hotline. This put my suspicion at rest. Once we finally got back on the phone, the agent proceeded to help me reset my online banking, issued me a new card, help set up my pin and blocked the transactions from hitting my account. The next day I walked into a TD store located at XXXX XXXX XXXX in XXXX, New Jersey. I met with a TD rep to get an understanding what happened with my account. The rep seemed hesitant to help me which made it even more difficult for me to understand what happened to my account. Once i explained to her that a TD fraud rep called me, she fully understood and told me that many of TD 's  customers have been dealing with that issue and that TD is slow to fix the problem. When she informed me of that, i questioned as to why TD wouldn't change their FRAUD hotline if they are well aware of the issue. Thats when she alerted me that transactions totally XXXX had occurred on my account. She also informed me that i couldn't put in a claim until the transaction finally posted the next day. On XX/XX/2019 I returned to the bank to report that fraud on my account. I voiced my concerns with TD bank on this lack of ability to take action. I personally have never made a withdrawal of over {$800.00} from a ATM but TD allowed someone else residing in another to state to make withdrawals totaling {$4500.00} and an additionally transaction in a store of {$500.00}. They didn't stop the transactions for irregular spending or even picked up on the fact that I wasn't in XXXX, FL. I had to go to the brand for 3-4 before work in my uniform using my vacations hours to clean up something i am entrusting TD to protect me and my money from all while being made to seem like I was committing the fraud myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
Pressler, Felt & Warshaw levied my bank account without me knowing or giving me an opportunity to pay these funds. I did my research and see that this debt is from 2003 which is past the statute of limitations. Supposedly this debt was being paid already when I worked at XXXX and now all of a sudden they just take my money from my account without any forewarning? How is this fair and even ethical? Docket number XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06 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: IL

Complaint narrative:
I AM A VICTIM OF ID THEFT. PLEASE REMOVE THE REMAINING INQUIRIES FROM MY CONSUMER 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 2019-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
Comenity bank reached out to a branch of the company I work for asking for me after they called me and I directed them not to call me at work. When I called I was told that by law they can.

Company response to consumer: Closed with explanation