vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-07 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: MD

Complaint narrative:
This is my SECOND COMPLAINT. I received no response to the original. My name is XXXX XXXX. My mother 's name is XXXX XXXX. We lived at the same address for some time. Her social security number has 3 digits different from mine. I submitted a dispute to the credit bureaus to have her information removed from my file. I sent them a detailed cover page with the name differences and her addresses vs. mine ( attached ). I also sent a copy of her bankruptcy filing, schedules and listing of credit items that were HERS and in HER bankruptcy. They did absolutely nothing with it. I understand there is some rule used by the bureaus that if an address is on more than one or two items, they do n't remove it..the same with names that are on the file. But this is MY MOTHER 'S  information. I would like for CFPB to use this in your published articles. Credit Bureaus should not be allowed to simply say : " These companies say this is yours so tough ''. The Bankruptcy and the following accounts were included. XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX. I have included her bankruptcy schedules showing these items discharged in HER BANKRUPTCY ... but I also sent this to the bureaus and they ignored it. This would be a very good issue to publish as it details the problems with information getting mixed up on family files.

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 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
TCF repeatedly sent me promotions like this that said I was going to be given XXXX for opening an account. This happened to me once with a XXXX promotion and once with a XXXX promotion. Can you please beg them to give me the promotions that I am owed for XXXX with compensation for the discrimination linked to my Aunt and Mom's XXXX.
----- Forwarded Message -----
From: TCF New Accounts 
To: "XXXX" 
Sent: Sunday, XX/XX/XXXX, 2012, XXXX XXXX CDT
Subject: Don't miss out: Your $XXXX cash is waiting


		Open an Account 	
			
	
Don't miss out:
Your $XXXX cash is waiting

Hi XXXX,

We know how busy life can get but we hope you haven't forgotten us. Did you know that when you apply for a TCF account online your information is completely protected and it only takes eight short minutes to get approval?

Time is Running Out:
We'll put $XXXX cash in your account.

Come back today and we'll give you $XXXX cash when you open an eligible TCF checking account and make 15 qualifying transactions1. What's a qualifying transaction you ask? It's simple, really. See below for all the details.

Plus, opening your account online is not only faster than going to a branch, it's just as safe and secure. So rest easy and come back to see us today.



	
Sign up in 8 short minutes

    We keep your private information completely safe
    Hundreds of branches, open 7 days a week with extended hours

Open an Account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: LA

Complaint narrative:
I have filed numerous disputes with Equifax regarding inquiries and a collection on my account. They have an address listed on my file that does not belong to me. I call the companies and they say they have not received any correspondence from Equifax regarding the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I was informed by Credit Acceptance of a late payment being 30 days late, now past 60. I payed off my loan last month. They neglected to tell me, that a payment was returned in XXXX of 2015, until now. They now reported it to the credit bureaus with out ever letting me know, or giving me a chance to fix it. I called them to clear it up, but they wo n't take it off my credit report, nor help me in anyway. I also never missed any other payment.

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 2017-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
On XXXX XXXX 2017 at XXXX, I deposited {$1200.00} into the ATM machine of Flagstar bank in XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX , MI XXXX - in an effort to make a deposit into my account.
The machine said there was an error and returned my card and none of my cash back to me.
The machine was then placed unavailable and the screen said it was down.
I went into the branch office and told them what happened, they said they would call me at some point when the ATM technicians arrive to fix the problem.
I got no official paperwork verifying this complaint.
My account shows no deposit into my account in reference to this attempt to deposit cash at the ATM machine.
My checking account number is XXXX In a phone call where I complained about this to Flagstar bank the customer service agent gave me Reference number of XXXX  with respect to the phone call.
I made 4 deposits, XXXX XXXX dollar bills XXXX XXXX dollar bills XXXX XXXX dollar bills and then : XXXX XXXX  hundred bill, XXXX XXXX dollar bills, XXXX XXXX dollar bills, XXXX XXXX dollar bill It 's when I made that 4th deposit that the machine seemed to get stuck.
When I went into the branch office, one employee said, the machine says bill is jammed.

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 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
FedLoan Servicing has me for a balance of {$200000.00}. I have tried numerous times to get Loan forgiveness as I have been XXXX for the past six years in XXXX XXXX XXXX that are eligible for the loan forgiveness program. I have tried to get my payments reduced based on my income also and each time I get a much higher payment than before. I have both a mortgage and rental expense at this time in order to move closer to work to make a living. I am also a single mother trying to take care of my child. They have now put things on my credit report. I do not know what else to do while I am trying to get it reduced. Can someone help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: FL

Complaint narrative:
FedLoan Servicing keeps sending default notices to me as " endorser ; '' but I have no record of endorsing any student loans. My daughter will not talk to us about it ; so I 've had my attorney send letters ( only allowed to fax ) to FedLoan Servicing asking for proof of endorsement, i.e., copies of signed endorsements of the loan documents. We just get more newly printed summaries ; but no proof of endorsements. To add insult to injury, FedLoan Servicing has reported late payments on the loans to the major credit agencies, which has ruined our credit. We 've tried talking to FedLoan Servicing ; but they say that they will only talk to the student borrower. We 've sent letters to FedLoan Servicing begging them to call us ; but to no avail. Short of legal action, what is one to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
I was rejected from a car loan by SageStream. XXXX, XXXX were all high scores except. Sagstream. I ca n't understand why Sagestream is still allowed to moniter our credit, there are many other complaints about them also ' XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK
State: NY

Complaint narrative:
An account was opened in my name fraudulently. I was contacted and informed that because I did n't know who open the account, I had to pay the account regardless of it being fraudulent. Otherwise It will ruined my credit. Out of concern I paid the card. The person who open the account in my name confessed, I filled a police report and informed the credit card company. I also provided them with the police report. They stated that because I paid it, they can not do anything about it. I want the information off my credit report as I did not apply for the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NY

Complaint narrative:
Issue : Lab tests ordered by a doctor ( XXXX XXXX, XXXX XXXX at XXXX ) I did not even recognize nor have visited. I did not authorized the tests ordered.
Action taken : Called the debt collector and was advised to speak the doctor 's office directly. Then tried calling the clinic several times and was on hold for hours with no personnel helping me clarifying the situation.
Dates : various in XXXX  2017 Amount : 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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
M & T Bank has stolen payment of {$89.00}, XXXX from me as they have received a lump sum payment and is in violation of many laws including pyramiding late fees, escrow violations and misapplied payments. M & T Bank 's refusal to correct their records since spring of XX/XX/XXXX has resulted in my credit suffering and my land being auctioned in a tax foreclosure sale for M & T Bank 's failure to pay the property taxes. I received a mortgage bill as recent as XX/XX/XXXX that billed for taxes and insurance, etc and for what? There was a home fire in XX/XX/XXXX and no insurance has been needed for that vacant lot that has remained since XX/XX/XXXX. Why have I been billed for insurance that is not possible to obtain? Why am I billed for property taxes they failed to pay and now my land is foreclosed upon? Why do I get offers to modify my loan, yet no simple correction and return of my funds. Why does M & T Bank bill for maintenance when the lot was maintained by the City of XXXX? Per the attached records, not only was the property foreclosed on by XXXX XXXX in XX/XX/XXXX for UNPAID taxes I received a mortgage statement in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and so on ... None of these statements have removed taxes and insurance from them.

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 2017-08-07 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: MO

Complaint narrative:
Equifax was asked by myself and XXXX card to remove XXXX hard inquiries off my credit report. I sent the letters I recieved from XXXX verifying this request. There are two letters from XXXX. From this date X/X/17 they have not been removed. We started this process in XXXX of 2017. I am demanding the removal of these items on the forms attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC
State: AZ

Complaint narrative:
Forward Movement Recovery continues to call my number asking for a woman I do n't know on a phone number I have had for nearly 8 years now. They have attempted to call from several numbers, the latest being XXXX calling me at work today. Do n't know how they got this number. SOOOO sick and tired of receiving calls from this company for a debt I never incurred and do not owe ... much less for a person I 've never met and do n't know. In addition, my and my family 's phone numbers have been listed on the Federal Do Not Call Registry for telemarketers for YEARS. Whatever happened to folks respecting this and actually leaving folks like me who want to be left alone left alone as we 've requested?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP
State: TN

Complaint narrative:
On X/XX/2017, US Bank charged me with two or more {$36.00} dollar overdraft fees when I DID NOT overdraft. I also opt out of having US Bank cover non-sufficient transactions in XXXX of 2017 but they allege that I did not. I will attach screen shots of my account up to and after they 've assessed their unlawful fees. You will see that my account remained current until they charged me with their fees. I 've also asked for a paper statement and they 've refused to submit one. When I called about this discrepancy, the allege that my online access and tracking to my account that they provide to their customers is not accurate. I find that to fall under deceptive practices seeing that I know basic math, and its insulting to me when they attempt to justify stealing my money as if I ca n't add and subtract.

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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I paid for XXXX XXXX credit repair service to provide ways of removing old or incorrect data from my credit reports.
Some items were removed except Navient who first reported that I was on default for 90 days during the timeframe of XX/XX/XXXX-XX/XX/XXXX. I had submitted application for forebearance because I had returned to grad school.
As you would assume, these items, incorrect or not should have been removed from my credit reports because these items are over 10 years old.
XXXX XXXX supposedly contacted them requesting a response but not only did they not respond to me Navient has yet to remove these items of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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: TN

Complaint narrative:
To whom this may concern, I have asked Experian and XXXX to verify there means of the account XXXX XXXX has on me, all the keep telling me that the information is accurate. I need to see proof of my signature and also there means of verfication thanks in advance.

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 2017-08-07 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My mother is trying to get my Credit Reports online. She has a XXXX  computer XXXX XXXX XXXX and she used XXXX XXXX. All XXXX  credit reporting agencies stated can not get this online right now! I live a house with XXXX room mates and do not want this sent by mail for that reason. How can all XXXX agencies claim UNAVAILABLE at the exact same time, unless they do n't work with XXXX computers, which would be discriminatory.
Because of XXXX XXXX from a XXXX XXXX, off on XXXX since XXXX XXXX, 2017 ( which had stopped twice so far ) she thinks it a good idea to keep an eye on my credit reports.
HOW CAN I?
Can you PLEASE make these tax payor agencies serve EVERYONE in a manner that is best protecting THEIR identity?
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 2017-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: John C. Heath, Attorney at Law, PLLC
State: NC

Complaint narrative:
For the past 3 months I have received the WORST customer service ever from any financial institution that I have delt with. Dealing with XXXX XXXX XXXX from X/XX/17-XX/XX/2017. I was giving misleading information. Her customer service to me was tasteless, classless and very disgusting! Ive sent her over 10 emails not one Time has she replied back to my emails. She had me pulling information that wasnt apart of the issue I was having. I felt racially descrimated when I met with her in person and after that we spoke on the phone several times. I was rudely cut off and her tone wasnt pleasant. I dont understand how someone with such a high position in a bank lack basic customer service skills. I was treated as if I was a criminal!! I will be taking legal matters. Anyone who banks with XXXX XXXX XXXX XXXX should leave before this happens to you! UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: ME

Complaint narrative:
Received a phone call, then was placed on hold. I was informed this is in regards to an alleged debt I am not responsible for. Also, the alleged original creditor is NOT listed on any of my credit reporting files. Note : the address mentioned in the attached letter has been updated to my current address. Current address has been in effect since 2014. Also, my credit reports are frozen, which prevents unauthorized parties from viewing my credit files without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07 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 — Problem with personal statement of dispute
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid off a Macy 's credit card in XXXX of 2014 and received a paid-in-full letter thereafter from Macy 's  attorney. It was a settlement that Macy 's agreed to and signed to in front of the judge when i fell on hard financial times. I have proof that I paid every red cent agreed to. Since then, 3 years later, Macy 's in conjunction with XXXX ( they merged ) have reported to all XXXX credit bureaus that I am late every month to this day. I am constantly disputing this fact with PROOF to the XXXX credit bureaus, Macy 's credit and XXXX, however I am told that internally, Macy 's and XXXX do not communicate with each other. When the credit bureaus try to question them, they claim I owe {$380.00} to this day. As a result, I have been denied credit, or charged on average, 4 % more interest rate to lease or purchase anything. I have written letters and made calls with escalations for 3 months now and Macy 's constantly denies THEIR OWN paid in full letter. I spoke to Macy 's attorney who claims, they must accept the proof I submitted to them. They do n't. Various people at XXXX as claim they had an internal problem with account numbers ; another told me the 2 company computers do not communicate ; yet another told me, this is happening frequently and yet another said, this amount of {$380.00} was supposed to be written off by Macy's/XXXX but was not ; an internal mistake that is costing me thousands and lots of heartache. Please 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 monetary relief