vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/2018, I settled my debt with XXXX XXXX through its collection agent, XXXX XXXX XXXX. I have been trying to get TransUnion to fix that information since then. I have disputed the information more than once and provided them with WRITTEN PROOF of the settlement. Despite this, they keep saying that the information is being verified as accurate. I have a separate complaint filed against the original creditor and the collection agency regarding that. But how can TransUnion ignore my WRITTEN PROOF? What is the point of disputing inaccurate information if the reporting agency ignores written proof? I feel like this is a willful FCRA violation.

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 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I sent a validation letter back in XX/XX/XXXX to Ability Recovery Services LLC, and the debt was not validated. I disputed with the credit bureau and the account was deleted from my credit reports. Now when I pull my credit report again, Ability Recovery Services LLC is back on my credit report again. I sent another debt validation letter on XX/XX/XXXX and haven't heard anything again.

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 2018-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
When making a purchase using the card, I was promised 48 months to pay the balance at a 9.99 % APR. The first statement I received indicates that I was given 12 months at 0 %.

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 2018-05-29 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I had a credit card bill due on XX/XX/XXXX in the amount of {$75.00}. I paid the complete amount due on XX/XX/XXXX. My account is now XXXX. When I received my new bill, it said that I now owed {$1.00}. When I called to complain, I was told that it was due to Residual Interest. I told them that it is impossible. I paid the total amount due and before the due date. The operator agreed to take the {$1.00} off my account. I informed the operator that because I knew that I paid the account in full, I wasn't even going to open the new bill because in my eyes I did not have a bill. I thanked the representative for taken the {$1.00} off but imagine all the people that just pay the {$1.00} without dispute it. If she states that its considered Residual Interest then why did she agree to take it off? 
It's not the amount that I'm complaining about, it's the practice of the way they charged me. Is it legal?

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 2018-05-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/XXXX, I requested a student loan consolidation with NelNet XXXX XXXX XXXX. XX/XX/XXXX the consolidation was said to be updated and completed. This update reflected with XXXX and XXXX. However, XXXX reported my consolidated debt of {$47000.00} and also the accts that were to be consolidated, which also totaled {$47000.00}, to appear that I have a total of {$94000.00} in debt with NelNet/ XXXX XXXX XXXX . I began to reach out to both XXXX and Nelnet and both gave conflicting information. Nelnet would tell me that they have sent an update to XXXX to reflect that all individual accounts were consolidated but XXXX would state that they have not received any information from Nelnet. 

Now, XX/XX/XXXX all three bureaus are shows duplicate debts owed as the accounts that were once closed and consolidated are now showing open again. This process is costing my children and I shelter as we can NOT finding suitable housing to live because of this issue. 

Nelnet has made false promises over and over again to resolve issue but yet have done so. I have pleaded with them to correct this issue and have explained that because of their error my family and I are now XXXX. 

No one has helped and this is become emotionally unhealthy for me and my children. 

I am demanding that they remove all closed accounts permanently from all three credit bureaus as they have failed to properly update. 

WE ARE XXXX DUE TO THE NEGLIGENCE OF NELNET/XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

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 2018-05-29 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

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 2018-05-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Williston Financial Group
State: TX

Complaint narrative:
In XX/XX/XXXX we sold our home in California, we had received help beforehand from HUD in the form of a subordinate deed of trust, understanding that when sold the sub becomes primary and is paid out first before any monies are paid. 
The title company WFG Financial gave us written assurance that 1 ) they were now responsible for paying said Sub and 2 ) that the amount withheld was sufficient for the Sub and Prim deeds.

I refused to sign any paperwork until I was assured this was delt with and we were free and clear. We closed XX/XX/XXXX, XX/XX/XXXX I get notified that the US Treasury is going to garnish my wages due to the HUD subordinate deed of trust not being paid, I have spent a year now dealing with WFG Financial, The Escrow company, XXXX and XXXX XXXX  about this issue and have been threatened with lawsuits, ignored and denied service, this lein is still upon the property in XXXX California to this day, the sale was not recorded with HUD by title and has sold twice with a dirty title.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TN

Complaint narrative:
Hunter Warfield is showing a past due balance of {$2000.00} on my credit report. This company has not contacted me other than once back in XX/XX/XXXX ( before the debt was even reported ) as this occurred on XX/XX/XXXX. The original balance was {$1600.00} -- Hunter Warfield claims  that I owe this due to a cleaning fee & broken lease agreement. I verbally gave XXXX XXXX a 30 day move out notice on XX/XX/XXXX & was informed that no additional information was needed. I proceeded to move out XX/XX/XXXX and did not know any additional action was needed. XXXX XXXX XXXX ( no longer in business, closed in XX/XX/XXXX ) refused to supply me with a detailed statement and receipts of subcontractor fees. I was informed that the account would be sent to collections. I sent a letter requesting validation of debt as well as phone conversation requesting validation and Hunter Warfield representative stated they were not responsible for such things and I needed to just " pay it off ''. I will not acknowledge or own this debt until such validation is presented. Also it is showing a past due balance of {$2000.00}, the original starting balance was {$1600.00}, i have not been informed or attempted to be contacted regarding ANY interest rates or outstanding balance. I am unable to get in touch with original creditor due to them going out of business several years ago and i refuse to speak to Hunter Warfield due to the HORRIBLE experience i had while trying to discuss the balance back in XX/XX/XXXX. I have disputed through XXXX & XXXX more than once, and they continue to say account is valid. I will not own this debt until a detailed summary is sent to me with an explanation of charges. I do not want a confirmation of my mailing address, i want an itemized statement proving the charges. This company demonstrates HORRIBLE collection practices and is absolutely impossible to work with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NY

Complaint narrative:
XXXX home phone services indicated that I obtained home phone service from XX/XX/XXXX through XX/XX/XXXX which is untrue. My building is and has always been wired to only XXXX services since the opening of XXXX. I have contacted the XXXX in regards to this matter of this debt collection that is not mine and I provided bills within that time period indicating I have had XXXX   since XX/XX/XXXX and I have also provided ample documentation from my landlord stating XXXX is the only wired service in this building and no other providers are allowed. The end result was that the case was closed on XXXX 's end due to the findings and documents provided on my behalf. Now I receive a different collection of debt letter from another agency, with another amount that is less than the original debt, with the same client account number. I am being harassed after going through this a time before and this is causing a disruption in my life especially when I didn't sign up for any XXXX XXXX  services. XXXX couldn't even verify an installation of services and there was no account or payment activity on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
My father XXXX XXXX XXXX owned the property at XXXX XXXX XXXX XXXX, MA XXXX. He passed away on XX/XX/XXXX and left no will. I worked with a lawyer to get everything turned into my name and started to begin the process of dealing with the mortgage company Nationstar ( now Mr. Cooper ) I currently reside in the house with my niece age XXXX. I had no access to accounts for my father until after his death and in XX/XX/XXXX I contacted the mortgage company to get the ball rolling on paying back debt etc. I had my fathers insurance settlement and was able to pay the mortgage at this point including the back due amount. I was unable to speak to anyone directly as they stated that they didnt have the proper paperwork. I contacted my lawyer and had her send paperwork over. Lawyer is XXXX XXXX of XXXX, MA. I was still delayed for months and in XX/XX/XXXX got a check for past due amount and mailed this over to mortgage company as someone told me to pay it and they will talk to me. That check was never cashed. I cancelled that check in XX/XX/XXXX and on XX/XX/XXXX mailed another check with amount past due. I tried repeatedly to contact this company, on hold for hours on end. I was switched to multiple agents handling my account and any direct line to them left me to a voicemail which i got no call back, EVER. It was not until XX/XX/XXXX that I was finally able to speak to someone as they didnt realize that my fathers name and my name were the same- they had the proper documentation in front of them all along. I asked what I could do as I was willing to take over the loan and apply for a modification. I asked for information to be sent and by XX/XX/XXXX still had not received documents. I got a call from a collector and was finally able to get documents needed to apply for a modification in XX/XX/XXXX and faxed them out around XX/XX/XXXX. I heard nothing back. I have received no certified mail, I just get bills with my mortgage past due owed. I am now in foreclosure and am able to make the payments but no one will work with me. My foreclosure date is set for XX/XX/XXXX. I did not even get any notification in the mail that this was happening, but rather heard from family who saw it in the paper. This company has swooped down on a XXXX mans house and I am trying to protect myself and my niece ( who is entitled to 25 % of the house. ) I just want to pay my mortgage and get back to normal, but this has become crippling to me as I have been given the runaround for over a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Spoke with XXXX at equifax because they wiped my entire credit profile out, only leaving derogatory marks of 5 disputes, also they keep adding and removing addresses and information in good standing, now after XXXX XXXX reported and sent 3 Bureaus a letter about reporting incorrect information equifax added it back to bring my score lower, I am disputing derogatory items I was told would be removed along with inquires I didnt request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BOK FINANCIAL CORP
State: OK

Complaint narrative:
XX/XX/2018 {$200.00} plus a {$3.00}. fee was withdrawn from my account with XXXX XXXX XXXX, XXXX XXXX. The withdrawal was done at an ATM in XXXX, Ok. We live over 122 miles from XXXX and were no where near XXXX . The bank claims the withdrawal was done with my atm card and the person new the pin number. Impossible. In my XXXX years of living, I had NEVER allowed anyone to use my atm card or a credit card. There were additional purchases made with the card totaling just over {$300.00}. I nor my wife were responsible for these charges and the bank is refusing to return the money to my account Four days later, XX/XX/XXXX I had a XXXX XXXX and was flown to XXXX to XXXX XXXX hospital. On Wednesday, XX/XX/XXXX my wife and son were visiting me in the hospital when my wife indicated she was hungry. She had no cash nor did I. Therefore, for the first time in history I gave my debit card to our son and instructed him to go to the bank and get {$100.00} cash so they could eat. This was done with my approval and I received the receipt from him relative to the withdrawal. But this was seven days AFTER the initial withdrawal of {$200.00} from the ATM.

The bank is refusing to refund the money to my account, We are not liable for the expences and would like your assistance in retrieving the money for this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: MN

Complaint narrative:
The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.

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 2018-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS

Complaint narrative:
XX/XX/XXXX I opened an account with Bank Of America and I tried to take my money that I put in my checkings account out at the ATM and nothing came out so I filed a complaint and got my decision and the said they couldnt find an funds and that I took my money out but it isnt true or else I wouldnt have filed a complaint and now Im out of XXXX dollars this is unacceptable and I wanted to know can you help? Im thinking about a lawsuit because this is ridiculous.

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 2018-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: ME

Complaint narrative:
Mortgage through Ditech, closed XX/XX/2017, this month received an " escrow shortage '' in the amount of {$3000.00}. Contacted both city officials and mortgage company, it appears mortgage company using wrong tax information but clearly stated on the city website expected amount/assessed value. mortgage company blames city, city saying this is false. In the interim my monthly payments expected to increase {$500.00}, able to negotiate this down to increase of {$300.00} over next 36 months to make up for both shortage and rate increase. Will potentially have to sell, live on very tight, income.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I had re-occurring payments scheduled to be taken out from my account every XXXX of the month. Payments have been continuing to be withdrawn from my account, last payment amount was {$260.00} on XX/XX/XXXX. I received a notification on my credit that I am 60+ days delinquent and now I am unable to do anything with my credit. It appears that my application had never gone through for the renewal of the interest rate reduction plan I was on and the same re-occurring payments from my previous plan were being withdrawn from my account which were no longer covering my minimum balance. I never received a call, letter or email stating this up until yesterday XX/XX/XXXX saying that my account needed attention. It turns out that the rest of the balance for each month had been spilling over to the next month since XX/XX/XXXX! I am outraged and now have no idea what to do. My co-signer is unable to obtain financing on a car now and has no car to drive. I have always been diligent with my payments and anytime I had a rough month I would call to make sure the payments were taken out in time before they would report anything negative. Normally I would receive a call from Navient if something was wrong and when I called today, the rep even admitted fault that they never made one phone call since XX/XX/XXXX. Navient has promised to have this resolved by XX/XX/XXXX, but every time I call they say it is still being worked on. Meanwhile, the payments are still being taken out and not covering the minimum payment because they have not fixed it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with monetary relief