vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-04 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: TCF NATIONAL BANK
State: MI

Complaint narrative:
My family moved from XXXX to XXXX XXXX Michigan and there was no TCF Bank / XXXX XXXX  in the town we moved to. We did a change of address because we still had a couple bank accounts open with TCF Bank / XXXX XXXX. They changed all of our accounts over however missed one. Somehow XXXX put some unauthorized charges through our account causing overdrafts and a negative balance. TCF Bank sent notices to our old address and there was no one living at that address so the mail did not get forwarded. By the time we knew about the account being negative TCF Bank had sent it to collections within a month. TCF Bank / XXXX XXXX never called us or anything, instead their rude obnoxious collections company was the first we heard of a {$260.00} negative balance. I called customer service and could have paid them right away, however they told me there was nothing they could do. They told me I could go through the collections company or I could go right to the bank branch and take care of it. Over our holiday break on XX/XX/XXXX, we drove 220 miles to  the closest TCF Bank / XXXX XXXX. We paid the balance and got a receipt. The employees at the branch treated us very well, they were very nice at the branch level. Two weeks later, on XX/XX/XXXX we received notification that the " unpaid '' balance had been put on both myself and my wife 's credit! I called the branch and they said they would take care of it right away and for some reason our payment had not been applied. About a week later we were still getting calls about this unpaid balance from the rude obnoxious collections company. I called the branch again and they said it has been taken care of however it is still on our credit! See also my complaint on XX/XX/XXXX # XXXX to the CFPB regarding TCF Bank / XXXX XXXX. Maybe they are just incompetent when it comes to customer service at their main office, maybe it's coincidence, maybe they are targeting me and my family. My wife is XXXX  and this is all very stressful! TCF Bank soon to be TCF Bank / XXXX XXXX  has horrible customer service, deceptive bank products and gouges their customers with high unnecessary fees. I want this taken off me and my wife 's credit or we are considering talking to a lawyer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
As of XX/XX/2018 a legal hold was placed on my XXXX bank account for {$4600.00} by the company LVNV Funding LLC. When inquiring about the origin of the hold, this company told me they do not have the information about the original debt but have the amount owed and the dates these purchases were made. The dates of the purchases are from when I was a teenager and the name on the account is not my correct name therefore is related to fraud/identity theft. When I contacted them about this they forwarded my call around what seemed like their entire company phone system and no one was able to help me file a claim for fraud. The hold has been on my account for almost a year and no resolution is in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
On XX/XX/2018, and XX/XX/2018 I certified mailed your company a letter to validate and confirm verification of this debt and its inaccurate reporting on my credit file, XXXX has failed to respond within 30 days. Under the Fair Credit Reporting Act, a credit reporting agency has to review and respond to every dispute it receives within 30 days. 

In addition, XXXX you are reporting Acct # XXXX on my credit file but then forward me letters with a different account number # XXXX. All are inaccurate. 

Despite two written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is 100 % correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly and belong to PRA, LLC. Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: FL

Complaint narrative:
2 bankruptcies were removed then added back causing my credit score to drop 21 points.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
A debt that I never had, has shown up in my credit report. A Capital One credit card ; showing over {$3000.00} worth of debt. I have Never had a Capital One Credit Card. They said this is from 2008 yet has just now showed up!!!! I want this off my credit report, now!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have had a CHASE card since XXXX. The account was closed years ago and a payment plan was set up. The payments are automatically taken form my bank account every month. 
After several years, I need to reduce the amount taken due to financial hardship. 
Every month the new reduced amount is taken. This has affected my credit score dramatically. Suddenly, my score dropped and the CHASE card is stating I defaulted on payments. 
This is unacceptable given that I pay every month. 
Additionally, They state that a " cash advance '' was taken on this card and can not tell me the amount, in XX/XX/XXXX! This is the reason they gave for putting my card into a default status. 
I have never taken a cash advance on any card. 
I have asked for details and an investigation is open with CHASE. This negative reporting has caused incredible hardship for my personal and business life. 
I need help to resolve this. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: TX

Complaint narrative:
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: TX

Complaint narrative:
I disputed by fax and through the CFPB, XXXX in there response state they do not need to show any documentation I requested, they fall under the FDCPA guide lines but state they above the law .Again I request the documentation enclosed { in detail for each question } I have not receivded any confirmation on how you have verified the alleged accounts as of XX/XX/2019 as you stated in your response, please send a copy of return receipt that you sent and I received any documentation you claim I have no right to.All documentation again enclosed for you to answer for my investigation If you refuse then this claim is frivolous and i demand it be removed at once there should be no reason for you not to give the information in detail .I may file a complaint with the state medical board on your client and the FTC. CFPB please read there response they have a lot of complaints filed against them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: NJ

Complaint narrative:
received e mail from TRUE ACCORD XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX ON XX/XX/2019 SEEKING COLLECTION OF A DEBT FROM XXXX A PAYDAY LOAN COMPANY. I INFORMED THEM THAT THESE LOANS WERE PROHIBITED IN NEW JERSEY AN GAVE THE NJ STATUTE ANN.tit. 17,1 et seq., NJ STAT ANN. 2C : 21-19., NJ STAT. ANN. 17 : 15A-47 I HAD BORROWED {$800.00} and Paid back {$960.00} and considered this matter closed I disputed the validity and amount they were attempting to collect which was {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA
State: NJ

Complaint narrative:
Someone from my loan company, American Education Services contacted me today, XX/XX/XXXX at XXXX. It was due on XX/XX/XXXX. She asked me about making a payment on the loan. I stated that I couldn't make a payment because my husband takes care of paying that loan every month. Speaking to him and finding out why the loan hadn't been paid would be the prudent thing to do first. She became what I felt was unnecessarily aggressive in her tone and said, " Well you need to find out what's going on. '' She was doing all of this without even having all of the information on account pulled up on her computer. She finally looks at my information and sees that there is a payment scheduled for today. It will hit their account tomorrow. I guess that wasn't good enough because she continued to push for me to make a payment TODAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
U.S. BANK STILL CONSTANTLY SHOWING DISHONEST STATEMENT TO US AND OUR ACCOUNT TRANSACTIION. DATE PRINTED OUT STATEMENT XX/XX/2019 BY XXXX. DEEMED TO BE HOLD ON TRANSACTIONS FOR MONTHS JUST TO DEDUCTED MONEY ILLICITLY SOMEHOW FROM OUR ACCOUNT PERHAPS. 
CHARGING FOR ATM PRINT-OUT IS RIDICULOUS & RIDICULE, WE WERE TOLD, THAT NO CHARGED OF ANY KIND WITH OUR ACCOUNT. BUT, TODAY XX/XX/2019 CHARGED A {$1.00} DOLLAR FOR A PRINT OUT AT U.S. BANK INSIDE XXXX XXXX. SOME OF THE WORKERS INSIDE STORE U.S. BANK DEEM TO BE CROOKED EMPLOYEES. MAJOR CONCERNS.

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 2019-02-04 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: NC

Complaint narrative:
Transunion is reporting 2 accounts with 2 late payments each and this information is incorrect. I have tried disputing it directly with them, to no avail.

1. XXXX XXXX shows 2 late payments - I have never paid this account late.

2. XXXX XXXX XXXX shows 2 late payments - I have never paid this account late.

These accounts need to be update and late payments removed.

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 2019-02-04 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: Navient Solutions, LLC.
State: WA

Complaint narrative:
Up until 2 years ago I was never shown an option for IDR. My loans were always in deferment, which was the only option aside from forbearance that was ever offered. So for 8 years I was continually being charged interest. I researched on my own and found the IDR. I applied and obviously was approved. I didn't start working until 3 years ago. So the first 7 years my income was {$0.00}. Now I owe around $ 2k MORE THAN my original loan, 10+years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am a XXXX Senior Citizen, and have been on XXXX since XX/XX/2002. I am disappointed in Experion 's methodology for Knee Jerk reactions to glitches in a XXXX XXXX XXXX XXXX, where the bank DOES NOT CLEAR TRANSACTIONS ELECTRONICALLY, NOR DO THEY SHOW PENDING TRANSACTIONS FOR ONE FULL MONTH. 
DUE TO THE KNEE JERK REACTION OF EXPERIAN ( I.E. DROPPING MY CREDIT SCORE BY 100 POINTS ), HAS TOTALLY CAUSED UNDUE STRESS AND DISTRACTED ME FROM RESOLVING THIS ERROR, BY HOSTILE " SLAMMING '' AND USING A COERCIVE/COMPELLANT STRATEGY TO USE HIGH PRESSURE TECHNIQUES TO PERSUADE ME TO APPLY FOR ANOTHER CREDIT CARD, WHICH THEY SENT IN AN EMAIL ALONG WITH THE SUDDEN DROP WITHOUT ANY EXPLANATION. JUST THE CREDIT CARD APPLICATION. 
THEY INFORMED ME THAT XXXX XXXX AND XXXX   ARE USING " OLDER '' REPORTING SYSTEMS, BUT EXPERION USES NEWER FICO SCORES. 
I THINK EXPERIAN AND XXXX  ARE DEMONSTRATING A MARXIST PHILOSOPHY ON SENIORS & XXXX PEOPLE, INSTEAD OF APPLYING THE AMERICAN 'S FOR DISABILITY ACT  FOR THOSE ON FIXED INCOME WITHOUT JOBS. 
I FEEL TARGETED, PULLED OFF COURSE, TOTALLY STRESSED, AND THIS IS CAUSING ADVERSE HEALTH REACTIONS REGARDING MY XXXX XXXX ( XXXX XXXX, XXXX, AND XXXX XXXX. ) EXPERIAN SAYS THEY TREAT " EVERYONE THE SAME '', AND INSIST THAT SENIORS & XXXX PATIENTS MUST OWN @ LEAST 4-5 CREDIT CARDS AND REAL ESTATE TO HAVE A CREDIT SCORE ABOVE 700. 
SO FAR, EVERY SINGLE CREDIT CARD I HAVE BEEN APPROVED FOR, HAS SOME TYPE OF HIDDEN ENTRAPMENT SCAM OR FEE OR GLITCH THAT WOULD CAUSE ANYONE TO RACK UP UNKNOWN FEES OR BALANCES IN EXCESS OF WHAT IS SHOWN ON THE ACTUAL STATEMENTS. 
FROM ALLOWING THE CREDIT BALANCE TO GO OVER THE LIMIT WITHOUT THE CONSUMER 'S KNOWLEDGE ... CONVERTING THE RELATIONSHIP TO A PREDITORY AND COERCIVE ONE, LEADING TO EXCESSIVE FEES AND UNECESSARY LOANS. 
AS I EXPLAINED TO THE EXPERIAN AGENT, I MIGHT DO BETTER TO ENLIST WITH A LOAN SHARK, SO I WOULD AT LEAST HAVE FULL DISCLOSURE OF HOW I AM BEING TAKEN ADVANTAGE OF.

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 2019-02-04 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: PA

Complaint narrative:
I logged into my XXXX account on XX/XX/2017 only to see accounts and a social security number that did not belong to me. I immediately contacted XXXX of this situation I sent in my social security card my driver license and a credit card bill. it was fixed and then for me too log back into my account to see this other social security number again associated with my information. I am more than willing to take further actions and go to court to get this matter resolved.

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 2019-02-04 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: FL

Complaint narrative:
I check my credit weekly and today XX/XX/19 I noticed that my credit score for all three Credit Reporting Agencies had DROPPED approx. 50 POINTS from the previous week. There was NO DEROGERTY Information since the previous week. As a matter of fact all the information change was POSITIVE. Transunion, XXXX  and XXXX  were all similar results. Additionally, I have never been late on anything ... 

I called Transunion and XXXX  and in both cases the customer service representative was NOT ABLE to make any sense of the issue. 

The gross and incorrect misrepresentation of my credit is a detriment to me in many ways. My occupation, My credit and other things as well. 

The bottom line is ; The credit reporting agencies are not accountable to anyone. Individuals harmed by these agencies can rarely recover anything, and there is nothing that can be done to correct information regardless of weather it is correct, incorrect, inaccurate unless they want to.. 

Transunion, XXXX and XXXX  appear not to care ... ...

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 2019-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
In XX/XX/2018 I tried to obtain my annual free credit report from the Experian website. To get my report, I was forced to pay {$1.00} and enter my credit card number. Recently, while preparing for 2018 taxes, I noticed that my XXXX card was being charged {$21.00} for an Experian Credit Report each month since XXXX. I tried to call the Experian number listed on my statement and could not get thru to an agent to discuss this issue. I then contacted XXXX to dispute the charges. They contacted Experian who told XXXX that I was being charged because I had checked a box which initially charged {$1.00}, but then resulted in an ongoing monthly membership fee of {$21.00} if not cancelled in 30 days. This is a completely deceptive business practice. 
I tried calling four different Experian Customer Service numbers ( XXXX, XXXX, XXXX and XXXX ) but could not get thru to an agent or cancel the service with any of them this is also a very unethical practice. 
Finally I dialed a number and selected an option to report Minor Credit Reporting fraud, and got through to an agent ( XXXX from the XXXX XXXX ) who was ultimately able to cancel the monthly charge, but refused to refund the {$130.00} that I have spent on this SCAM.

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 2019-02-04 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: TX

Complaint narrative:
I have twice made large payments. I called and made payments over phone to tell them specifically how to pay the loan once i verified payment amounts. Both times after i paid off loans there was overpayments that were redirected in a way beneficial only to the loan company. First there should have been no overpayment because i called and verified the amount i needed to pay. Second I was not asked how to direct any overpayment. The response from Navient was that there was a way ( well hidden on the website ) where you could select the options for overpayment. The links for this area to select options are impossible to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04 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: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have 2 accounts from Navient showing on my XXXX  credit report. I had a loan with Sallie Mae which they sold to Navient. These are personal student loans not federal which is why they are not consolidated with my other student loans. I had filed chapter XXXX bankruptcy in XX/XX/XXXX and discharged in XX/XX/XXXX. These loans were included in the bankruptcy but still show on my credit report. The Sallie Mae loans are gone but the Navient loan still show and it's hurting me getting a mortgage.

Company response to consumer: Closed with non-monetary relief