vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-27 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: PA

Complaint narrative:
Multiple fraudulent accounts were opened in my name, XXXX and XXXX. I was able to close the XXXX but not the XXXX one right away. Person spent XXXX on the XXXX  card. Person apparently has all my information including social security number. Every time i try to report to transunion or XXXX, it says that it can not process my request. It is so difficult to solve these problems but so easy for other people to create them. My credit score has went down 30+ points due to this. Inquiries i did not authorize went through. I use the credit karma app and thought it would be easier, but this makes it more difficult. All companies are giving me the run around.

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 2019-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
CareCredit credit card XX/XX/2019 due upcoming dental work I opened a CareCredit credit card account suggested by my dentist. This was done via the CareCredit Internet site. 

XX/XX/2019 After finishing all pending dental work, the dentists office made a charge to the account. 

XX/XX/2019 Having neither heard any word from CareCredit regarding the charge nor receiving any paperwork regarding the charge, credit cards, or correspondence, I called XXXX. I spoke with XXXX who stated all information was sent out on XX/XX/2019 to wrong address due to a typo. He stated he couldnt ( wouldnt ) tell me more but did tell me that all my payments were due on or before the XXXX of each month and transferred me. I spoke with XXXX who stated all information including the card had been sent to a wrong address and that a new card had been sent. End of conversations. 
Since neither my wife nor I wanted to fall behind on any payments and take advantage of CareCredits no interest offer, a payment was sent per instructions show on the CareCredit web site. A letter was included with the payment expressing our concern about the situation and the possibility of identity theft. 

XX/XX/2019 I checked status of the payment sent to CareCredit. After following directions, the automated system stated that my account was closed. I then spoke with XXXX who stated the account had not been closed but transferred to a new number and that the payment had been applied. I asked for information on the typo that had sent the information to an incorrect address. She stated that I need to contact the Post Office since it was not the fault of CareCredit. I asked to speak to someone else and ( after about 10 minutes ) was transferred to XXXX in the Fraud Department. I explained to XXXX that no of what I was being told made any sense. I had received a statement with the old account number on XX/XX/2019. That statement was date XX/XX/2019 and was addressed correctly. I had received the new credit card on XX/XX/2019. XXXX stated for security reasons he could not discuss any of this unless CareCredit received a request in writing.

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 2019-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Social Finance, Inc.
State: CA

Complaint narrative:
My daughter is refinancing and existing loan with SOFI which I am a consigner. However in the final loan discloser will not sent be sent to me as a consigner for approval. Two service agents told me the consigning application in essence says that that the cosigner agree to whatever term the primary borrow chooses. They also said say that final disclosed term will only be sent the borrow for approval. This does not seem right. The consigner should always be notified and required to approve the final loan terms. Does the law allow bypassing the consigner? If so, the law should be changed to required consigner 's approval of the loan terms. Also, both agents said that they have received many other complaints about this. It only reasonable the consigner to know and approve of exactly what they are responsible for. Attached is copy of the loan appilication.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I just wanted to correct a dollar amount from my 1st complaint I filed in XXXX that I mentioned in the new XX/XX/XXXX account number XXXX I said that est {$4000.00} was returned to me but it was est {$400.00} sorry for the mistake

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: IL

Complaint narrative:
Since XX/XX/XXXX, I have been trying to modify my loan with Flagstar Bank. I have sent them THOUSANDS of documents. On my last call in XX/XX/XXXX, I mailed and faxed EVERYTHING the gentleman XXXX  instructed. 
When I called him back, he tells me FILE INCOMPLETE. I said WHY? And he said I must explain all deposits over 500.00. I asked him, WHY DID YOU NOT ASK ME THIS THE LAST TIME? He admitted that he was in error. 
I then sent them those bank statements. I call today to follow up and he says FILE CLOSED. I do not want to work with him any longer. I have sent them insane requests that they have asked for, and they are doing NOTHING to try and help me. 
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 explanation
Consumer complaint received 2019-03-27 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: AL

Complaint narrative:
TransUnion continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. This account has never been paid late and I have requested on multiple occasions ( in writing ) that TransUnion make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Today I was charged an overdraft fee of {$36.00}. Prior to the overdraft my account had {$170.00} after I received a direct deposit and the negative balance was paid. I withdrew {$160.00} from the ATM and was told that this withdrawal caused the overdraft fee, however my account was not in the negative at the time or even today before the fee was applied. In addition to this I was told conflicting information that the fee was due to a transaction from XXXX that went through on XX/XX/XXXX when at that time it was also in the positive. I spoke to a representative and even requested a supervisor to look at my account and reverse the fee but they both affirmed that the fee was not a bank error even though their records cant justify why the fee was charged. 
Lastly I had verbally opted out of overdraft protection a month ago when I spoke to a customer service rep, when I was made aware of their fees and process yet this was not done and they continued to process transactions.

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 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: OH

Complaint narrative:
Here is the e mail sent to me, it is a XXXX XXXX portraying as XXXX XXXX who only looks for lender. He asked me for XXXX dollars to be taken out of my bank to give me a XXXX dollar loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   XXXX To : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX Hello, Congratulations!! 

Your Loan Application has been successfully approved for {$10000.00} By Our Company XXXX XXXX. To get this Loan, You do not pay any Upfront Payment. Fund would be credited into 45 minutes and your loan Approval ID, XXXX Total Loan Approval : {$10000.00} Your First Payment will be debited on the next month of your loan staring month. 

Once the Loan proceeds are available in your Bank Account, You can also begin making manual loan payments. There is no fee or penalty for making early payment on your loan, and you may make payment at any time. 

Complete Your Verification Part so we can be sure that Fund is going to Right hand and you are correct person to get this loan. Your loan Manager is available on Direct Line Number ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
This debt was paid off via bill consolidation with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc.
State: TX

Complaint narrative:
This is about website and app " MoneyLion '' https : //www.moneylion.com. The app claims to be a financial app that allows you to create an " investment account '' to save/invest starting with small sums of money, however, once the account reaches {$150.00}, there is no way to retrieve the deposit of {$150.00}. There are many other questionable " membership '' practices involving applying for a receiving a loan that seem non-standard practice at best, requiring XXXX XXXX monthly membership fee to access *repaying* the loan. There are no clear indications anywhere on the website nor app that show {$150.00} of your deposited funds will be restricted from withdrawal. When MoneyLion was repeatedly contacted by phone, there are no humans answering, through a vague and redirecting automated menu. Contacted by email has led to no response, and online " chat help '' redirected to the XXXX number ( XXXX-XXXX-XXXX ). Also, I am unable to access anywhere my actual account number on the " Investment Account. '' I can only provide the associated " Checking Account '' number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
XXXX XXXX called and left a voicemail message on my cell phone XX/XX/19 threatening to come to my job with legal documents, it was a very threatening message, the woman stated that I should " clear my calendar, I would be seeing her soon '' this is a very old card, it is time barred from any legal action. The callback number for the company is XXXX. I attached a WAV recording of the VM message I received.

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 2019-03-27 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: FL

Complaint narrative:
My wife and I were XXXX from our chapter XXXX bankruptcy which included a reaffirmation agreement for our home mortgage in XXXX of XXXX. We noticed that in XXXX of XXXX, our mortgage company XXXX XXXX stopped reporting our payments to all 3 credit bureaus so we questioned our Bankruptcy XXXX. They told us that yes, our bankruptcy was XXXX in XX/XX/XXXX but our Trustee was still dispersing our tax money to creditors at that time so our file was still open but he had just finished so it was closing and XXXX XXXX would need to begin reporting and backdate. Well by XX/XX/XXXX, XXXX XXXX still wasnt reporting and I had already filed disputes with the credit bureaus about it on XX/XX/XXXX given case number XXXX with XXXX and XXXX with Equifax ( XX/XX/XXXX. ) On XX/XX/XXXX, they came back saying it was accurate information being supplied by XXXX XXXX ( XXXX XXXX was reporting that my account was reporting our account as closed and XXXX in chapter XXXX. ) I disputed a second time and attached a copy of our reaffirmation agreement explaining that it was NOT included in the bankruptcy and that it needed to be updated as open and current. XXXX  promptly deleted the entire account from my credit report. Equifax eventually updated the status to reflect our account as open and current, but doesn't show any payments made in XXXX. I emailed XXXX XXXX on XX/XX/XXXX with a copy of our reaffirmation agreement demanding they update our credit reports to reflect open and current as it has almost been a year and they are in violation of the Fair Credit Reporting Act. On XX/XX/XXXX, I spoke to XXXX from XXXX XXXX who assured me it would be fixed within a week and to call back on that following Friday. She marked our file Urgent. I called back a week later and spoke to XXXX, who told me marking it urgent meant nothing and that they would get to it when they get to it. Everytime I call them or email them, they extend the waiting period an extra 30 days. I called XXXX and questioned them deleting XXXX XXXX from my credit report instead of fixing it. They said that's their policy and they won't fix it until XXXX XXXX tells them to. XXXX XXXX keeps giving me the run around. I have a reaffirmation agreement that should have allowed it to remain on my credit report with payments being updated!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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 and XXXX are reporting incorrectly that I am 120 days past due on the XXXX - ( Please see page 4 and 5 of  the attached credit report. ) These accounts reflect a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. It is impossible to be late on accounts that have a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: AL

Complaint narrative:
Experian continues to report a late payment for XXXX XXXX XXXX Acct : XXXX from XX/XX/2016 that never happened. My payment date was changed with XXXX XXXX in XX/XX/2016, but Experian never updated the payment date on their side to reflect the new payment date. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Experian make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.

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 2019-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
My manger at work texted me and said she had someone call for an employment verification on me today, from a man named XXXX at XXXX XXXX at XXXX. 

Since Ive had identity theft before and worked hard to get my credit in order, I called XXXX XXXX XXXX to see what this was about. 

They informed me that they were hired by XXXX, but wouldnt give me a company name, and just gave me their number to call for details, at XXXX. 

I called the XXXX number and Midland Credit company is who the number belongs to. I spoke with XXXX XXXX and this woman said I owed XXXX XXXX XXXX XXXX, XXXX XXXX, and that thisbis an attempt to collect a debt. I explained my debts had been paid off over 15 years ago and above that, this is past Virginias Statute of Limitations which is 6 years. Midland Credit hired XXXX XXXX XXXX to call my employer. 

She said she could see that these judgements ( which I already paid over 15 years ago before judgements were made ), were expired and they would send them back to XXXX XXXX company, but that she saw two more accounts and needed to transfer me to a manager. 

She transferred me to a supervisor named XXXX ( with a XXXX XXXX  ). 
XXXX stated that there was a judgement for me for a XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These were also paid off around XX/XX/XXXX XXXX and the statute of limitations have expired. I should not have any judgements on me. 

I have worked hard to pay off my creditors back then and over 15 years later, multiple calls are being made to my employer. 

I believe this to be harassment, and the statute of limitations for Virginia has expired. 

While I was on the phone with XXXX, I was disconnected, so I called back and talked to XXXX. She big up on me. I called back again, and spoke with a man. He put a cease calling on my account, which is good, but I dont think it was legal for them to hire XXXX XXXX XXXX to call my employer. 

I am up for a promotion, and now this looks very badly on me with the multiple calls. 

Please have them cease and desist. Also, how do I ensure my credit is not ruined because of them?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC
State: TX

Complaint narrative:
A student loan servicer named XXXX XXXX XXXX , XXXX has reported a student loan under my name to XXXX XXXX. I have no knowledge of this student loan. I did not take out a XXXX  loan XX/XX/XXXX. I have been in contact with the company they insist that the loan is mine. The loan is not listed on the national student loan database. The company explained that is was because the school didn't do there part to enter the loan in the database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I recently received an insurance claim settlement from XXXX Hurricane Irma. During the long 18 months of claim denial from XXXX XXXX XXXX XXXX XXXX XXXX, I was tasked with replacing my entire roof total cost {$44000.00}. The roof damage was destroying the cedar ceiling thus creating additional problems that were not covered in my original hurricane claim. A s a last result, the roof had to be replaced at my expense and I was forces to sue the homeowner 's insurance. The full roof was replaced in XX/XX/XXXX by a licensed roofing company, XXXX XXXX roofing. At this time, during XXXX Hurricane Irma and the XXXX roof replacement, PennyMac WAS NOT my mortgage lender. My loan was transferred to PennyMac in XX/XX/XXXX. At the time that PennyMac acquired my VA mortgage there was no outstanding insurance claims, as teh previous XXXX Hurricane Irma was denied. After months of litigation via the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, I was granted a settlement in XX/XX/XXXX. The check was payable to myself, PennyMac and the claims adjuster. After endorsement from the claims adjuster on XX/XX/XXXX, I contacted the insurance claim department A PennyMac was given these instructions : please mail the settlement check with a letter of exception to PennyMac insurance claim dept. In the letter of exception please request a endorse and release of the settlement check based on the roof repairs are completed. Include the settlement paperwork from the law firm, all paid receipts, and the roofing company invoice. PennyMac has received ALL required documents, ALL paid receipts, ALL invoices, a FINAL inspection was completed on XX/XX/XXXX and I have yet to receive a phone call with a status on the release of the funds. I continue to call PennyMac insurance claim dept. several times per week and each conversation is with a different representative that NEVER seems to be knowledgeable of their process. Please investigate this company and the way their claims dept. operate. They should not be an approved VA lender. All reviews and/or complaints regarding PennyMac are similar and warrants an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
I just pulled my free Experian credit report from XXXX today ( XX/XX/XXXX ) and there is a foreclosure on my credit report that is NOT mine. 
XXXX XXXX reported this foreclosure XX/XX/XXXX. 
The XXXX account number showing on my report is XXXX with a balance of {$140000.00} and date opened XX/XX/XXXX. 
The Experian Credit Report is saying this foreclosure will be on record until XX/XX/XXXX. 
I really need some help with this. Please advise.

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