vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Thaxton Investment Corporation
State: TX

Complaint narrative:
I continue to receive calls from this debt collector to me, all persons listed as references, my employer, colleagues, as well as my family and friends not listed as references, even after sending 2 letters to stop such calls and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2019 I spoke with TransUnion about disputing the hard inquiries applied on my report unauthorized. I was advised by both CSR and Supervisor that I can not dispute my inquiries with them unless I have my FTC information or police report. I submitted my FTC information to them on XX/XX/2019 as well as my report has fraud alert added and a security freeze. Also, when I was redirected and discouraged to dispute the inquiries and the concern, TransUnion told me to contact the creditors to dispute the unauthorized inquiries. However, Ive contacted only Five creditors so far and they redirected me to dispute it with the CRA. And some of the inquiries does not have an address and phone number to reach them for TransUnion to state that the inquiries are considered factual. Under FCRA section 604, Information regarding inquiries, Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insur- ance transaction that is not initiated by a consumer. My rights are being violated and want these unauthorized/fraudulent inquiries REMOVED.

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX-No phone number 3 ) XXXX XXXX XXXX 4 )  XXXX XXXX-on report 2x 5 ) XXXX XXXX XXXX-No phone number 6 ) XXXX XXXX XXXX 7 ) XXXX 8 ) XXXX 9 ) XXXX XXXX XXXX 10 ) XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX 14 ) XXXXs 15 ) XXXX XXXX XXXX-No phone number 16 ) XXXX  XXXX XXXX  These hard inquiries are hindering my ability to apply for credit. When I spoke with XXXX from XXXX XXXX XXXX, she stayed that the request was submitted by man at XXXX. Again, theres no number provided. I even XXXX the number and called had no response. I am demanding that TransUnion to stop violating people rights as a consumer and fix the problem and remove these items presented and they are suppose to investigate.

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 2019-04-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I qualify for a unsecured personal line of credit and because of insufficient credit history they said that they denied me. I have 11 years of credit history and a qualifying credit score. I determined based off of the systems algorithm that they use that I was denied based off of race. Im a business owner and I make sufficient profits enough to pay back the line of credit monthly. I just wanted to establish more credit. I feel that this is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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: GREAT LAKES
State: WI

Complaint narrative:
I pulled a Parent Plus Loan so my son could attend college in XX/XX/XXXX. At the time of repayment which began around XX/XX/XXXXish I was told if we set it up for autopay we would get a .5 % reduction on the interest rate. We set it up for auto pay. The loan was in my name but my son is helping repay this loan. When my son go into some financial issues they encouraged us to put the loan in forbearance. When he got back on track we started paying loan again. I was told because we put the loan in forbearance that we lost the .5 % rate reduction which was never explained prior to this. At this point we have been paying this loan for years. To date not XXXX XXXX has been deducted from the original loan. I called to inquire what was going on and was told that unless we pay additional money each month over and above what set payment is, the loan would never reduce. Again this was never explained. So why would they set the loan payment at the rate that will never pay off the loan. This is a complete crime and should be against the law. There is not one program out there that is of any help to us regarding this loan and it will NEVER get repaid unless we win the lottery. How can this be legal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
Tried disputing a car loan that is marked at " charge off/ write off '' on my credit report- the man said he wouldn't do it and hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have respectfully requested for XXXX, TXXXX and Equifax to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX has not sent me a verification of bankruptcy removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: MA

Complaint narrative:
XX/XX/XXXX I received a letter from my mortgage services DiTech financial stating, Ditech has conducted a review of your mortgage loan ... ... the review determined that you previously paid  {$360.00} in excess post-petition payments ... .these amounts will remain on your account ... please consult your next monthly statement for detailed information regarding your mortgage loan, as this remediation May have changed your unpaid principal balance and/or the date when your next payment is due. I carefully checked the next two statements and went online and viewed my account in particular the transactions page which shows all money going in or going out of the account. This overpayment never showed up anywhere. I called Ditech several times since XXXX the second time I was told that an investigation team was going to track down where that money went. I heard nothing back each time. I checked every statement since that letter and never saw my money applied anywhere. Ive had two escrow analysis done since that letter both indicating a shortage hence my monthly payment increased each time. I carefully checked both of these analyses and that money was never applied to principle, interest, held in suspension, escrow or anything else. The last time I called I was on the phone for 2hrs and 44min. This woman XXXX ext. XXXX Bankruptcy customer service, looked everywhere for this money. She even went back prior to the letter to see if they lumped it into some other amount. It just wasnt there. She spoke with her supervisor XXXX twice and checked a few other places it may have been that ( she ) I didnt know about. Still couldnt find it. A concerning fact is that she told me that there were NO other notes on my account about previous calls or investigations or research of this matter! XXXX was doing her best but it appears that money was received by Ditech, it belonged to me, they acknowledged it belonged to me, they have the money and have not returned it to me. XXXX attached the letter to an order to elevate the matter to the bankruptcy team. She swore she would call me back later that day or the next day ( call was made XX/XX/XXXX ). Big surprise they never called.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The receptionist at said facility assured me that they were in my insurance network and that there would be no copay during my visit but 6 months later I recieved a bill for {$210.00} my lawyers have sent all supporting documents to the medical facility and they agreed the debit was settled. Please remove this from my credit report it is affecting my ability to get a job and other financial products.

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 2019-04-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
Collection was removed from report multiple times but re-opened multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
When reviewing my credit report from all 3 major bureaus I noticed collection accounts for medical bills that I had no knowledge of. I asked all 3 bureaus to remove them, and collection agency to send me proof and HIPPA consent The bureau said the information was investigated but never provided proof or statements neither has the company. I am in the process of applying for a mortgage and this is a problem in being approved by a lender. The collection Agency information is listed below. I have contacted XXXX XXXX, XXXX and XXXX along with the collection company asking for proof and also this is a violation of HIPPA because I never granted permission for them to have my information. I did not obtain any information on this alleged debt and all I get is a piece of paper with 3 to me with no detailed information As you can see I have asked for information regarding these debts which are not my numerous times. They should be removed from my credit reports. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
I called to get information on my loan because I refinanced and could no longer see my account. The two individual could not tell me so with the first one I asked to speak with a supervisor or a manager and she told me there were none. I told her I was not born yesterday and the she told me the supervisor went on break so I hung up. I called back and then another person who was a loan officer had no clue of what was going on either so then he connected me to servicing department. This person was able to help me I think. This is not the only problem I have had with his company this is why I call to check on things. I think they are taking people for their money and this is why I refinanced. I am reporting NewRez Mortgage because I do not want this to happen to others that may not pay close attention or that do not know much about mortgage loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
I called Navient to change the repayment plan to extended ; instead, Navient told me to sign for auto-debiting. Additionally, this loan was sold//transfered from SallieMae XXXX  to NAVIENT XXXX XXXX XXXX. The replies from Sallie Mae XXXXXXXX and Navient were misleading. Interest rate was increased from 6 % to 11 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: NY

Complaint narrative:
On XX/XX/XXXX, I called regarding myXX/XX/XXXX loan payment because my loan forgiveness eligibility was approved. I inquired about another income based payment that would keep me eligible for the Public Loan Forgiveness Program ( PLFP ), but would allow me to make lower monthly payments. I was told about another income based program that would lower my monthly payment. Once I verified that I would still be eligible under the same loan forgiveness program, I requested to switch. I was told once I was deemed eligible, I would have to make a {$5.00} payment on the exact date, so that month would go towards my 120 month payment requirement. Today, the took the payment ( over {$850.00} ) out of my account under the plan I am trying to change. I called and I was told the {$5.00} fee applies to next month ( XX/XX/XXXX ) not this month. I explained that is not what I was told. They offered to refund the money ; however, it would look like I didnt make a payment towards my 120 month payment requirement. I dont understand why I would be eligible for one income based program and not the other. Additionally, I am being penalized for their mistake and their inability to process my request in a timely manner. I am also writing this complaint just in case at a later date they tell me I am ineligible for the PLFP because I switched payment plans. I made sure I asked about it several times. Unfortunately, I can not trust XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Investigation took more than 30 days
Company: BB&T CORPORATION
State: MD

Complaint narrative:
I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. 

I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.

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 2019-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I WAS AWARDED XXXX DOLLARS FROM AN CAREER ENDING ACCIDENT WITH XXXX  XXXX AND XXXX AND XXXX. 
I PUT THE MONEY IN CITIBANK IN A VARIABLE ANNUITY. 
THAY THE BANK REMOVED XXXX DOLLARS AND IT RUINED MY RETIREMENT ACCT AND MY XXXX PENSION FOR THE LAST 15 YRS IN 2004. 
I HAVE CALLED AND REPORTED IT TO CITI BANK AND WRITEN SEVERAL TIMES TO THEM ALSO TRIED TO CONTACT ATTORNEYS TO NO AVAIL.

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 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: Consumer Financial Services
State: FL

Complaint narrative:
XXXX  OF XXXX FLORIDA IS TAKING ADVANTAGE OF THEIR ABILITY TO REPORT TO THE CREDIT AGENCIES AND IS REPORTING NEGATIVE INFORMATION TO MY XXXX REPORT AFTER I CONVERT MY XXXX XXXX TO A XXXX XXXX BACK IN XX/XX/XXXX, I MY CASE WAS DISCHARGE XX/XX/XXXX AND I RECEIVED THE FINAL DECRED XX/XX/XXXX BUT XXXX   OF XXXX FLORIDA REPORTED LATE PAYMENTS IN XX/XX/XXXX AND XX/XX/XXXX ALSO REPORT FULL BALANCE IN THE ACCOUNT WHEN THEY REPOSSESSED THE CAR IN XX/XX/XXXX AND THE CAR WAS SOLD IN A AUCTION IN XX/XX/XXXX, XXXX XXXX AND THEY ARE ABUSING THE SYSTEM

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MOHELA
State: VA

Complaint narrative:
XXXX, XXXX and XXXX  and not reporting accurate information regarding account with MOHELA as current and open. 

The account is being reported as closed with MOHELA which is inaccurate information regarding the CRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied International Credit Corp., (US)
State: FL

Complaint narrative:
ALLIED INTERNATIONAL CREDIT CORP, ( us ) reference number XXXX {$5000.00} is trying to collect on a debt not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I purchased a vehicle from a local car dealer in XX/XX/XXXX. I immediately had issues with this vehicle and worked with the dealer to remedy the malfunctions. I purchased a warranty that I had a number of issues trying to use. The transmission went out in the vehicle and I was unable to get the repairs made from the dealer nor by using the warranty I purchased. This created major problems for me financially and emotionally. The vehicle was repossessed in XX/XX/XXXX and no payments were made after the vehicle malfunctions. This item is being reported on my credit report as a charge off transaction as of XX/XX/XXXX, this information is inaccurate, the vehicle was charged off 1 year prior in XX/XX/XXXX after the repossession. I have tried to provide documentation to support my position in the dispute process but the credit reporting agency nor the creditor has produced documents to show that this debt is not over the 7 year statue of limitations. I am formalizing this complaint on the basis that the debt is well over 7 years old and should not appear on my credit report. 

I contacted the credit bureau in XX/XX/XXXX, XX/XX/XXXX, and most recently today using the online tools they provide. I have also written letters to the company disputing the timeliness of the reporting to the credit bureau.

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 2019-04-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
Everytime I go to sent a moneygram to my son XXXX XXXX they keep stopping the transactions. This has happened quite a few times and then they take 3 days to put it back into my account. I send the money on line as I thought it would be faster, but the on going problems of them not letting me send it is frustrating. And they don ; t tell you if it did not go through as I had ended up also alot of times sent it twice without even knowing that I had did.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have respectfully requested for XXXX, Transunion and XXXX to remove bankruptcy on my credit report. 

It appears that XXXX has removed Bankruptcy from my credit Report. XXXX  has not sent me a verification of bankruptcy removal.

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 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have respectfully requested for Experian, XXXX and XXXX to remove bankruptcy on my credit report. 

It appears that Experian has removed Bankruptcy from my credit Report. Experian has not sent me a verification of bankruptcy removal.

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