vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
TD bank has not sent me the agreement and statements of my checking account. Tonight one of the agent on phone said, " we stop sending mails because the post office said it was not deliverable. " And an agent acknowledged that I had no internet account with them. They changed my checking status without my knowledge. They said it was done over the phone. But I had no knowledge of it. It is called XXXX. If there were not sufficient fund, the bank will advance with the fees of XXXX dollars for each transaction. I do not link my saving and checking. Recently, I was fined 5 {$35.00} ( total of {$170.00} in 2 days. ) overdraft charge. They say I can dispute with a bakery which I purchased {$7.00}. I asked the bank, " why do I need you to pay {$7.00} with the bank charge of {$35.00}. I could have used my credit card? ". I received 2 courtesy refunds from 2 different agents as of tonight XX/XX/XXXX. However, 3 more overdraft charge were pending. 1 ) I agreeded to pay one time overdraft charge of {$35.00} : 2 ) I asked to stop XXXX program on my checking account. 3 ) I asked why the bank make decisions of not sending the statements according to the post office, not asking me when I visited at the bank. I found these even fraudulent because mails from other banking institutions reach me. To change the status of checking account without customer knowledge is unaccessible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-21 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX stated that I owe Student loans that I can't recall signing for. The student loans are definite a hardship to my credit report. XXXX XXXX XXXX XXXX Practices are illegal and unfair. They garnished my wages without a court order in which is illegal on the Fair Debt Collection Practices Act 15 USC 1692e 807 ( a ) ( 4 ) .They also did not validate the date by sending any written information which violated 15 USC 1692f 809 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ).

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 2018-04-21 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: IL

Complaint narrative:
I have been dealing with Navient for years and have many issues. Most recently, I submitted my annual renewal for my income based payment plan on XX/XX/XXXX. Since then it has been denied with the reason of needing my ex-husband 's signature due to a loan consolidation back in XXXX. I have explained multiple times on the phone with different customer service providers through Navient as well as through email exchanges. I have explained I have been divorced since XXXX and have rare contact with my ex husband, but Navient continues to demand I obtain a signature from him. They have also continued to charge me late fees on top of a monthly payment of XXXX. If I could afford such a payment I would not need the income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: OH

Complaint narrative:
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Transunion to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Transunion maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Transunion. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Transunion about. I'm confused, how can Transunion say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit 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 2018-04-21 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: OH

Complaint narrative:
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Equifax to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Equifax maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Equifax. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Equifax about. I'm confused, how can Equifax say they've verified information with XXXX that is not at all on XXXX to begin with? 

I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: OH

Complaint narrative:
On several occasions in XXXXand as recent as recent as XX/XX/XXXX I contacted Experian to dispute bankruptcy and requested them to provide where they're verifying said bankruptcy or delete because their source isn't reporting a bankruptcy. I was told they got their information from XXXX. I contacted XXXX on two occasions to verify said bankruptcy. Most recently, XX/XX/XXXX I received a copy of my XXXX report once again. Experian maintains they're verifying and validating the bankruptcy they're reporting from XXXX. I received 3 reports that stated this from Experian. My XXXX report does not have the Bankruptcy I disputed as well as sent a letter of validation, verify or delete to Experian about. I'm confused, how can Experian say they've verified information with XXXX that is not at all on XXXX to begin with? I would like this public record of Bankruptcy removed from my report immediately. I was lied to, and it is a violation of my FCRA rights for inaccurate information to be on my credit 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 2018-04-21 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: Advanced Resolution Services Inc.
State: NY

Complaint narrative:
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 Advanced Resolution Services ( ARS ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said ARS was the credit bureau that was involved. 

They failed to provide my ARS report. 


- They also failed to provide a proper phone # for ARS. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Management Group, Inc. (GA)
State: GA

Complaint narrative:
i wasn't aware of this debt or this company appeared on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: SC

Complaint narrative:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX  and TransUnion to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2018-04-21 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: SC

Complaint narrative:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, Experian and XXXX  to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. 
Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2018-04-21 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: LEXISNEXIS
State: SC

Complaint narrative:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: GA

Complaint narrative:
Hello I have been trying to work with equifax but they refuse to help. They have 2 state tax liens that are to old to be on my acct. Both have been there since XX/XX/XXXX. I believe they are the same lien just filed twice. Also I have disputed a bankruptcy that is not mine and they refuse to remove or provide proof. Also there are inquiries that are not from me they are XXXX XXXX XX/XX/XXXX and XX/XX/XXXX innovative funding on XX/XX/XXXX XXXX XXXX XX/XX/XXXX auto approve XX/XX/XXXX equifax mortgage service XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX I have contacted them and they refuse to help in any way. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
pop up on credit wasn't aware it or this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I AM HAVING MAJOR DIFFICULTY AS WELL AS MY ATTORNEY, AS GETTING AN ANSWER FROM CIT BANK FOR EITHER AN APPROVAL OR DISAPPROVAL ON THE STATUS OF A RE-MODIFICATION APPLICATION OF MY PRIMARY RESIDENCE!! THE PROBLEM IS, CIT BANK, NEEDS TO MAKE AN IMMEDIATE DECISION AS APPROVED OR DISAPPROVED ON THE RE-MODIFICATION, AS THEY ALREADY HAVE AN UPCOMING SALE DATE SET FOR XX/XX/XXXX, WHICH IS LESS THAN 30 DAYS FROM NOW!! I AM CURRENTLY IN A FORECLOSURE THAT HAS BEEN ON GOING SINCE XX/XX/XXXX AND HAS FILLED OUT MANY OF AN APPLICATION, WITH MANY OF THE BANKS, THROUGHOUT THE YEARS, AND RECENTLY HAVE SUBMITTED 3 NEW APPLICATION TO CIT BANK SINCE THE BEGINNING OF THIS YEAR. INITIALLY, THE MORTGAGE NOTE WAS HELD WITH THE FORMER XXXX XXXX XXXX TRANSFERRED TO XXXX XXXX XXXX AND AGAIN TRANSFERRED TO CIT BANK, WHO CURRENTLY IS SERVICING THE MORTGAGE LOAN FOR THE LAST 2 YEARS. 
I AM A XXXX, WHO CURRENTLY HAS THE MEANS TO PAY A MORTGAGE, AND MEET ALL CIT BANKS CRITERIA FOR A MODIFICATION, BUT, KEEP GETTING STONED WALLED WITH NO FINAL ANSWER ON THE STATUS OF THIS RECENTLY SUBMITTED APPLICATION!! THEY HAVE MORE THAN 5 YEARS OF BANK STATEMENTS AND HAVE THE LAST 8 YEARS OF MY FILED FEDERAL INCOME TAX ON FILE!! I NEED THE CFPB TO STEP IN AND INQUIRE WHY THERE IS NO DECISION ON THIS RE-MODIFICATION INLITE OF THE DOOMING SALE DATE WHICH WILL HAPPEN WITHIN THE NEXT 30 DAYS. 
IN XXXX XXXX XXXX, THE JUDGE OVERSEEING THIS CASE, IN AGREEMENT WITH THE CIT BANK ATTORNEYS, ALLOWED FOR THIS APPLICATION TO BE SUBMITTED AS THE JUDGE AGREES THAT I WOULD MEET THE CRITERIA FOR APPROVAL AND NOT HAVE THE BANK TAKE MY HOME. ANY FURTHER DOCUMENTATION NEEDED PLEASE LET ME KNOW!! YOU CAN REACH ME VIA E MAIL XXXX or call XXXX XXXX XXXX CIT BANK- PHONE- XXXX LOAN NUMBER-XXXX PROPERTY ADDRESS- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
Appeared on credit wasn't aware this or this company

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 2018-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: COLLECTION SERVICES OF ATHENS, INC.
State: GA

Complaint narrative:
pop on credit i wasn't aware of it or this company

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 2018-04-21 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: Advanced Resolution Services Inc.
State: SC

Complaint narrative:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XXXX, XXXX and XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21 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: ID Analytics, Inc.
State: SC

Complaint narrative:
Chapter XXXX bankruptcy being reported I have no accounts in bankruptcy this was error. I have spoken with creditors ask this to be removed Violating my consumer rights Public Record Credit Reporting Standards to Begin XX/XX/XXXX Civil Judgments and some Tax Liens to be removed from many credit reports New standards for how tax liens and civil judgments are included in credit reports will go into effect on XX/XX/XXXX. These changes are part of the National Consumer Assistance Plan ( NCAP ), an initiative of the three nationwide consumer reporting agencies ( CRAs ) XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to enhance the accuracy of credit report information and to improve the experience consumers have when interacting with the CRAs about their credit report. Beginning XX/XX/XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals as follows : Minimum reporting of : ( 1 ) Name,

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 2018-04-21 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: U.S. BANCORP
State: NY

Complaint narrative:
Dear CFPB - 3 Companies involved! 


1 XXXX 2 XXXX 3 XXXX  XXXX XXXX ( XXXX ) I applied for a Credit Card that was branded by XXXX. They said the card was largely issued by XXXX. They said XXXX was the credit bureau that was involved. 

They failed to provide my XXXX report. 


- They also failed to provide a proper phone # for XXXX. The # that was provided had a serious problem. 

- The last 3 digits of that # were the short code for dialing a swat team in an emergency! 

- If people were to use that number - in some cases - it would accidentally call the police! It would accidentally start a false emergency alarm. 

- It would accidentally lead to SWAT Teams being deployed! 


- A lot of safety problems with that! 

- I consent to writing about this problem. U can use my real name - XXXX XXXX - or u can use a code name - or u can use no name & just keep it anonymous. I consent to any 1 of those. 

Please send reply to my paper mail address! 

- XXXX XXXX XXXX XXXX XXXX XXXX, NY 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