vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-12 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: Credit Technologies, Inc.
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquiry that I never approved from Credit Technologies on XXXX XXXX. I attempted to reach creditor and was unable to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CA

Complaint narrative:
I recently tried to change my loan payment frequency from quarterly to monthly, in hopes of paying it off a bit faster. The servicer charges fees for almost all types of payments, except " reoccuring payments '' drawn directly from you account or checks. When I attempted to set up a reoccuring payment in order to avoid these fees, it says " your fixed monthly payment amount '' when my loan is in fact on a quarterly schedule. I do not have the money to pay the quarterly amount every month but would like to pay a bit more each month to help reduce the debt. The servicer will not change the payment frequency from quarterly to monthly and says its a policy of the university. I asked to see the policy and their response was " believe me ''. I asked them why the wording on the account says monthly if they will not change my loan to monthly and their response was " the wording is wrong but we can't change that ''. This is making me feel as though they would like to make more money off of the fees that they charge instead of allowing me to make a reoccuring monthly payment. I would like any help with this that the Department of Ed can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/2018 my ex-wife was scammed by an individual who deposited fraudulent cashiers checks to her accounts. One of these account was our only remaining joint account, our 18 month old daughter 's youth savings account. USAA wrongfully took funds from my savings and checking totalling {$3600.00} and applied these to my ex-wife 's defrauded accounts as a " right to offset ''. Upon further investigation and over 4 hours of total phone time between my ex-wife and myself, USAA admitted to their error and promised the funds applied to my ex-wife 's account would be put back in my accounts. It has been a week now and three phone calls later and I have yet to receive an update or response to this.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
In XXXX we got a personal loan from our credit union to pay off the loan at BBVA so we could have the title released to us for us to sale the car. On XXXX a check to pay off our auto loan was sent to BBVA so that we could close the loan and release the title to us. We were told the title would be mailed out XX/XX/XXXX, and it would be in our mailbox BEFORE XX/XX/XXXX. On XX/XX/XXXX, after not receiving the title, I called BBVA to confirm they had sent the title. I was told that the title had been delivered to our P.O. box but it had not. I called the post office to confirm that the title was not with them and they searched and did not have it. 
We called BBVA on Monday XX/XX/XXXX and they had told us that the title was actually showing in their system. XXXX and frustrated, I had a 45 minute conversation trying to get the person on the phone to allow me to speak to a manager, and overnight our title. With no luck my husband called back later that day and demanded to speak to a manager.  After being given the run around they finally allowed him to talk to a manager. She assured us that our title would be overnighted and gathered his information ( including the fedex account number at his place of employment and the name of the company and town ). On Tuesday XX/XX/XXXX, we got a phone call that they had NOT gotten the title in the mail because they neglected to gather the actual Address for the business. 
WE ARE STILL WITHOUT THE TITLE to our vehicle. It has been 2 months and they have neglected to keep their word or send our title in the mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12 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: KY

Complaint narrative:
On XX/XX/XXXX I call Transunion and their customer service would not help and take care of the negative inquires reporting on my credit report. They are as follows : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Card XX/XX/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 2018-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On XXXX XXXX Someone used my debit card info to transfer funds from my checking account through Western Union in amount of {$870.00}. Same day did same thing for {$910.00}, but the later was cancelled. It was supposedly sent to my son in another state. I know my son did not receive this money. Whoever did this also put another telephone # in place of mine, but had my sons info correct. ( from prior, legit transfers ) I'm assuming. I called my financial institution to report the fraud and currently their is a claim on file. I called Western union, by advise from my bank on XX/XX/18. They took my info and tracking # 's, gave me a case file # and told me to call proper authorities to get this investigated, with their full cooperation. W/U also told me {$910.00} was not taken, but {$870.00} was already picked up from receiver. Because of this, my acct. was overdrawn by over {$700.00}. However, by XX/XX/18. my account was back to the original amount, due to W/U denying the later transaction of {$870.00}. I have since gotten new debit card and changed my pin. I am afraid this can happen again, seemingly since it was so easy the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: VA

Complaint narrative:
Good day, I've reached out to Navient on different occasions on subsidizing my loans to something that is reasonable and I always back track them on my paperwork. They never receive it and its a constant battle to fix these issue. Every time I fill out the paperwork I get the same outcome.They have placed a large amount of interest on my payment for no reason and they keep placing me into forbearance each time that I tell them not to. I am becoming very upset and tired of constantly monitoring their decision making, this has become a full time job and becoming a hassle to keep up with how much they keep tagging on. I don't mind paying back the loan but please be clear about what I am paying and stop placing me into forbearance so more interest can be tact on my loan. I feel like I have an extra job

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I have a merchant account with Bank of America that is tied to my Business Checking Account with them. I just started a new business, a XXXX XXXX, and regularly take payments from customers through a credit card terminal. Bank of America 's Merchant Services keeps putting my transactions on hold for weeks at a time. When I talk to  customer service representatives, they say that the risk management team is reviewing the transactions and they can't do anything about it. I try to contact the risk management team but the XXXX line for them goes to voicemail every time and noone from that department has responded to the messages I sent. Last month, they hed funds from XX/XX/XXXX to XX/XX/XXXX before releasing them. They starting holding funds again since XX/XX/XXXX and, again, customer service claims they are unable to help and the risk management department is not answering or returning any phone calls. As a result of them holding my money for weeks on end without any reason or remedy, I am falling behind on bills for the business ( rent, car payments, employee payroll ) and personal bills as well.

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
I frequently check XXXX XXXX and I know its not 100 % accurate but a few months ago I checked and some of my medical bills that I accrued when I was XXXX ( now XXXX ) fell off but one came back and twice! Its for {$550.00} each and it says it ( now they ) was ( were ) reopened. I have no idea why, as I have no idea on how to even contact them. Ive moved to 2 different states by now, but thats crazy its reopened and the same amount TWICE. Its hurting my credit and Id really like to buy a house soon. Please help! : (

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a victim of identity theft.

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 2018-06-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
On XX/XX/XXXX I had an XXXX at XXXX XXXX XXXX XXXX. I was billed {$360.00}. Due to an issue with my insurance company I had to wait on my " in network '' out of pocket vs my " out of network '' out of pocket to get sorted before I could be sure that the billed amount was accurate. Unfortunately it took a long time to sort out and required me escalating the issue with my insurance company. 
Long story short, I did not get a full answer until XX/XX/XXXX ( ish ) of XXXX, I then paid XXXX XXXX right away, and in full for the {$360.00} that was due. 
At the same time I was contacted by Continental Credit Control regarding this payment. I explained it was paid in full and to not contact me again. 
They called me repeatedly and send my a letter this past spring. 
I just received another letter ( dated XX/XX/XXXX ) stating I still owe the money AND interest ( 10 % ), now saying I owe {$380.00}! 

I called Continental Credit Control and left a message with my account #, my phone #, etc for the case manager explaining ( yet again ) this was paid months ago and to stop contacting me! I said I would be filing a complaint with CFPB as well. 
Their # is XXXX ext XXXX ( XXXX XXXX is the case manager ), I am happy to provide the case # if needed as well. 

I'd very much like them to stop, and I am also afraid that this will effect my credit too! 
Please assist. 
Thank you!

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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LendUp Loans LLC
State: FL

Complaint narrative:
On XX/XX/2018 I was directed to a XXXX XXXX XXXX Application from XXXX XXXX. It sent me to the application page and as i started filling out the information it asked me to verify my email. When i received the verification email i discovered that there was a technical issue in their system because it was recognizing me from when i applied several years ago. I immediately called their customer support line which is really only an application support line and notified them about the problem. The girl kept telling me that i was denied and that nothing has changed in their decision. I kept trying to explain that i had NOT even completed the application and could not understand their logic. She just kept repeating herself that everything on their end is fine and that they can't extend me credit. I kept asking for someone else or a supervisor because i could not understand how i could be denied for something i haven't even applied for yet. I considered this to be discriminatory and nature and just ridiculous. I decided to try to continue the application on my own but because of my old account i had to put a different phone number. So i put my secondary phone number and completed the application. I was told that it was denied because they were unable to verify my information. I sent in copies of my social security card and driver 's license and now i come to find out that i have been " permanently restricted '' because i made a typo on my social security by 1 digit. I stated that they have proof of what my social security is and that they should just be able to merge the profiles, delete one of them or just fix the issue. They stated that they won't do anything about it and that i can never get a card with them. Honestly i just feel like they were discriminatory from the beginning and their objective was to deny me for the card before i even applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In previous disputes the credit reporting agency just investigated what was in their best interest, instead of what the consumer could prove, and they couldn't. On 15 separate occasions I have requested the name and address of the third party entity who provided the information to verify the listing of public record bankruptcies listed on my credit report, case no. XXXX, and XXXX, but in return never answered, instead just respond they investigated it and verified it, without answering the direct questions. In response to this scheme of the credit reporting agencies they added names that weren't mine, in order to support their reporting, while still not answering the questions asked. In furtherance of verifying that the items weren't mine, I contacted XXXX XXXX public records reporting agency, and they provided a letter verifying that the listed items weren't mine, but still ignored by Experian, just the typical response refusal of investigation based upon previous investigations, while still not willing to provide the name and address of the verifying agency, which they still refuse to provide whats authorized by law, the name and address of whom they said verified the existence of public records, but still refused or not provided. 

On XX/XX/18, in report no XXXX, the credit reporting agency, Experian finally did the lawful thing and removed all names that weren't mine, and in that performance, should have been obligated to remove all accounts associated with the names that weren't mine, but they didn't. In an explanation from XXXX XXXX, the name, and last four of the subjects social security number is placed within a computerized program for verification, and since all names that weren't mine, were removed, the accounts that associate with those inaccurate names should be removed as well. In complaint the credit reporting agency is violating the law by not providing the third party entity, the process of verification of such reporting doesn't adhere to the standards of the accurate credit reporting standards, in that last four, and last name isn't a true reflection of verification, and that in response to an inquiry with the us bankruptcy court, no record exist when considering the full social security number and my verified 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 2018-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 120 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
After reviewing my annual credit report I noticed a hard inquire that I never approved Pentagon FCU on XX/XX/2017. I attempted to reach creditor and was unable to

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 2018-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: NE

Complaint narrative:
ChexSystems report shows Certegy reporting a returned check, payee XXXX XXXX XXXX  written XX/XX/XXXX.  Check has been PAID IN FULL and should be removed from reporting.

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 2018-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America is reporting two credit accounts on my credit file that are included in bankruptcy. They are reporting a balance history that is inaccurate, a payment record that is inaccurate and as I am not legally liable for these accounts, i respectfully request that Bank of America REMOVE the two credit accounts that are reporting on my credit file. 

The following is an excerpt from an FTC notice regarding the reporting of these types of accounts. Bank of America subsequently removed all reporting for included in bankruptcy accounts and was sued in a class action lawsuit for this exact purpose. 

" Section 607 ( b ) of the FCRA requires credit bureaus " to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' In our view, it is not a reasonable procedure to label an account that has been discharged in bankruptcy as " charged off as bad debt '' if the account was open and not charged off when the consumer filed bankruptcy. Such a designation would be inaccurate or misleading, because it would indicate that the creditor had written off the account at the time of bankruptcy when it had not in fact done so. '' Because Bank of America had not actually written off the account ( I had not been sent a XXXX and they were still actively pursuing the recovery ), i request the removal of these tradelines.

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 2018-06-12 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
Still missing XX/XX/XXXX XXXX interest paid statement. I have been requesting by phone since XX/XX/XXXXXXXX. XXXX/Northstar advises that is being sent but nothing is ever received. They have supplied a XXXX XXXX but we are still missing the final XX/XX/XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I wrote the credit bureaus regarding an account that was reporting on my credit report that I settled some time ago, however they wrote to tell me that this account was verified as not been closed, yet on the credit report the status on all three ( 3 ) bureaus said " Closed ''. I voluntarily returned my motor vehicle back to Toyota Motor Company and we settled this account from XX/XX/2012 but this has still been affecting my credit report and I do not know what to do. I wrote Toyota financial about this issue and still waiting for a response. I would really like to settle this issue and have this account removed from my credit report.

Company response to consumer: Closed with explanation