vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent out the letter showing below : I have a copy of my credit report in my hand, and I just went through it because my lender told me that I could get one for free. So I took a chance and got my credit report since I have not reviewed it in such a long time. O-sorry, let me get back to the point. I like to talk a lot some times. I was looking at my report and noticed a problem.. Let me tell you the problem. 

Account Incorrectly Reporting open Account DELETE IT XXXX XXXX XXXX XXXX  Please fix, correct or delete these problems, because they are really hurting my credit score. Im not that good at writing letters and I thought if I wrote your company, you guys would help me. I will be grateful if you can fix this issue for me. 
When can I expect a response to my inquiry and a resolution to this issue? 
Thank you in advance for your help. 
Sincerely, 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
Consumer complaint received 2019-10-02 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: CITIBANK, N.A.
State: VA

Complaint narrative:
I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
Citi/Costco credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called Citi and they told me XXXX had to take care of the situation, so back and forth we went. Citi said they would credit one months interest back as I refused to accept their version. Citi  eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.

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 2019-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have XXXX credit cards with Elan through XXXX Bank. I call this fraud - you may call it something else. One is closed because Elan raised my credit line ( without my request ) increase of {$5000.00}, with an introductory 2.99 %. Once I used up the increase and was making payments on time, I received notice I was losing the 2.99 % due to a drop in my XXXX score and the new rate was 23.24 %. I have been paying on this account regularly but closed it because I felt taken advantage of. The second card is currently open and I continue to pay on this one. The problem is an unauthorized online scheduled payment of {$1100.00} was taken out of my checking account without my knowledge or permission. Elan has dropped my credit limit and claims they can not return the unauthorized payment because it would put me over my credit limit. My regular payment of {$450.00} was made by phone, on time, using the same checking account. I always pay credit card bills by phone and record the confirmation number and amount paid on the bill.

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 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
My dispute is with NewRez Financial regarding the cancellation of my PMI ( {$210.00} ) back on XX/XX/2019. 
Based on my property value, the PMI should be cancelled but unfortunately due to an error of the person who NewRez assigned to perform a BPO, the PMI still being charged on my mortgage. I've provided plenty of supporting documents to show the error in addition comparable sales around my property and almost 3 months later, NewRez has yet to provide me any feedback. I've called numerous times their Customer Service line and nobody seems to know what is going on and nobody returns my calls with any type of information. NewRez assumed my mortgage early this year and to say the least it's been a nightmare.

Ironically enough NewRez constantly sends me offers to refinance my mortgage with a cash-out option obviously fully aware there's plenty of equity in my property and yet they won't cancel my PMI. This is a total scam and I'm very frustrated with them.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I was a victim of identity theft and I've had multiple accounts opened in my name. I am working to get them removed from credit.

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 2019-10-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I received my credit report and I did not apply for this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
1. I closed my loan with Loandepot on XXXX XX/XX/2019. I had talked to XXXX XXXX about refinances and they gave me a better loan rate. I sent a e-mail to Loandepot on XX/XX/2019 telling them that I wanted to cancel my loan application by e-mail. I mailed the notice of right to cancel on XXXX XX/XX/2019, by US Mail, on XXXX XXXX I checked the tracking number and it had arrived before the midnight deadline. Loandepot claim they did not receive the e-mail or the letter, that the post office stated that it was had been delivered when I checked the tracking on XXXX XX/XX/2019. They claimed that they did not receive either. XXXX XXXX pnone XXXX, Was the one that started my loan, Lendind Officer wasXXXX XXXX XXXX account Mgr. XXXX XXXX XXXX Account Manager. The first time I found out that they had paid the balance of my account off was when I logged on to XXXX site.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
On XX/XX/2019 I went to the emergency room of XXXX Hospital  in XXXX, Ohio. Soon after that visit, I received an invoice for approximately {$600.00} for the emergency room fee, which was paid immediately. On XX/XX/2019 I received an invoice in the amount of {$240.00} from XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. ( XXXX ). The invoice had written on it " Final Notice. '' This was the very first invoice I received for this amount and the invoice did not reference what it was for, just said services at The XXXX Hospital. I called that company and asked them why their invoice says Final Notice when I hadn't received a first notice. They offered no explanation and asked if I wanted to pay the bill over the phone. I said " no, I need to investigate this charge. '' I then called XXXX Hospital and found out they use this billing company and the charge was for the doctor 's fee. On XX/XX/XXXX I sent this company {$100.00} toward the {$240.00}, as I wasn't even sure if it had been submitted to my insurance. Then, on XX/XX/19 I receive a call on my cell phone from HRRG ( whom I had never heard of ) and they asked for my date of birth, which I refused to give as I work for a XXXX  and am familiar with fraud. After arriving home on XXXX I see a letter from HRRG which indicated they were a debt collector and telling me I needed to pay {$240.00}. I then called HRRG and tried to explain the above events and they refused to acknowledge anything. They had no record of the {$100.00} payment I made, but I then paid the remaining {$140.00}. The person on the phone asked me to give her my address. I told her that the address on the letter they sent was my address and why did she need me to give it to her. The whole thing was a horrible experience and they used scare tactics to get paid.

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 2019-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Pendrick Capital Partners Holding, LLC
State: NY

Complaint narrative:
On XX/XX/2019 I got a phone call from a debt collection company called affiliate solutions past XXXX and told them to never contact me again. They said they will continue to make an attempt to try and collect on a debt that I know nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a check from an individual and that check was drawn against a bank of america checking account. There was uncertainty if the funds would be available to cover the check, so instead of depositing at my bank and risking a NSF draft fee I took the check to bank of america. Being it was there check it was my belief they would honor their own check and cash the check being drawn on their account. Bank of america charges {$8.00} fee to cash a personal check drawn on an account at their bank. As a federally insured financial institution it they should not be allowed to charge for cashing personal checks drawn on account at their bank. The only way to avoid the fee is open an account with bank of america which requires agreeing to a credit check.

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 2019-10-02 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: OH

Complaint narrative:
XXXX XXXX, not my account.

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 2019-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing this due to non-compliance with XXXX, XXXX  & Transunion. These companies have failed to remove information that was affiliated with personal details that were challenged in the past. Its my belief that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2019-10-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Rhode Island Student Loan Authority
State: NC

Complaint narrative:
I am the co-signer for the loan taken with Rhode Island Student Loan authority. The loan owner was making payments with the loan provider. The loan owner had some life changes with job and personal life and defaulted on the loan. I didn't know the loan defaulted. RISLA hired a collections lawyer ( XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX ) sending me collections notices and judgments letters demanding money. I spoke with them to ask them why haven't they tried to reach the loan owner and they said they can't reach her and we are going after you for the money. I told them I have her contact information but they said they didnt want it because they are going after me. I have hired a lawyer to help because I have to keep my credit clear to keep my employment and I just didn't know where to turn. The lawyer was not help at all, he put me right back to the same area I am now. I am currently in school getting my masters, after I finish I will have my federal loans to consider for myself. They would not give me an reason why they could not work out an agreement with the actul loan owner. If you can help me that would be wonderful. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
They pass constantly and abusively calling my work and I started to make the payments from the internet portal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: VA

Complaint narrative:
I noticed my credit score had dropped over 120points at the end of XX/XX/2019 so I did some further research to determine why. 
XXXX  credit card company automatically applied a XXXX dollar charge for membership renewal in XX/XX/2019. 
The issue is, the credit card charged was never activated by me and no bills of any kind were sent to me, e-mail, letter or otherwise. So XXXX, XXXX, XXXX, XXXX, XXXX and XXXX no communications of any sort were sent to me, all the while accumulating penalty 's and interest. 
I called XXXX and they told me XXXX had to take care of the situation, so back and forth we went. XXXX said they would credit one months interest back as I refused to accept their version. XXXX eventually refunded all monies due and I closed the account and requested all information supplied to the credit agency 's be rescinded. 
As of this date no such action has been taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
on XXXX XXXX, 2018, an inquiry showed up on my credit report. I never authorized nor lifted the freeze off my credit report for this inquiry. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) 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
Consumer complaint received 2019-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have been paying loans for almost XXXX years and am trying to get a better grasp on my debt. I have reached out a number of times to Navient to try to understand a few things that don't seem to make sense or aren't shown on the website, but their explanations are vague and sound like the customer service is making up explanations or just dodging the questions because they don't actually understand. The calculations for how my payments are going to the interest and principal don't make sense - the math as they show it on my account history doesn't align ( the way it appears, a portion of my payment is disappearing each month ), and they have not had an actual explanation for it. My account shows like it has been going in an out of overpayment and huge charges are being added but only the explanation I received was " we have had some changes in our system. '' I asked for detailed information about my loans and the interest accrued and projected, how my graduated payment plan works and how the interest is affected by it, but was told they do not give that information. I had to actually explain how loans work and what I understood about my payment plan because the woman I spoke with did not understand. She wasn't even familiar with most of the common loan terms I was using in trying to get information. I asked to speak with a specialist or someone who might have more knowledge and she put me on hold temporarily, but came back and told me she was going to send me a loan document that explained everything. I received it the next day and it contained none of the information I was trying to get - it showed only my initial balance and current balance. I legitimately felt like I was being taken advantage of and that there was something unfair going on which was why they were refusing to explain the things I was asking or provide the information. Given that they are managing such an important issue, it is unacceptable that there should be so little clarity with their customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 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: EQUIFAX, INC.
State: IA

Complaint narrative:
I was a victim of Identity Theft and placed freezes on all three credit reporting agencies. Equifax was the only company I had difficulty with, when attempting to remove the freeze so I can refinance my mortgage. 

When I called to remove the freeze, I had my code ready to key it in and prove my identity which is what the letter noted I had to do. I did not make it past the four questions. So I waited and was connected with XXXX in the XXXX. He would not tell me why I could not remove the freeze. To make this situation worse, I had difficulty understanding XXXX due to his accent. After a very long and difficult conversation, I sent in copies of six documents proving my identity - Drivers license, Social Security Card, legal paperwork showing my name change back in 2010, the letter confirming the initial freeze, and a XXXX bill. The documents were sent certified mail so I had a confirmation of receipt. 

When I called five days after the receipt of the documents, navigating the phone system to speak with an employee proved difficult, I had to call three times. Once I was connected, the person was difficult to understand. I had her repeat her words multiple times. I think her name was XXXX. She did not show the documents were received and asked for an Equifax confirmation number. I explained I sent the documents via mail and did not have an Equifax confirmation number. 

Please note I sent in my legal name change paperwork after my divorce in 2010 and my name is still not updated. There is a note on my credit report that specifically states I was divorced and changed my name. 

What I need is the freeze removed permanently and my legal name changed on my credit report to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citibank uses fraudulent techniques to induce customers to sign up for " Priority '' banking packages. 

One of the " perks '' listed is to be able to deposit checks via ATMs. 

Go to : https : //online.citi.com/US/ag/citibank-location-finder There is a specific filter for " Check Deposit ATMs '' There are NO " Check Deposit ATMs '' in the United States XXXX 

So either Citi has a tech bug or they are breaking the law. I contacted the executive office with this concern and after weeks of effort all I got was a " thank you for your feedback '' cut and paste without addressing the issue. My follow ups via encrypted e-mail, which Citi forces you to use, have gone unanswered. My e-mail to the VP of Customer Complaints went unanswered. 

Citi has not offered any solutions to my problems. Currently, my only option is to deposit checks of a certain value by mail. For an " Internet banking product '' this is completely unacceptable.

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