vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Around  XX/XX/XXXX  I sent an dispute letters to  XXXX ,  XXXX , and Transunion disputing about the following inaccurate information : 1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   3.   XXXX    Around  XX/XX/XXXX , I called all credit bureaus for updated investigation status. I was told by  XXXX  that they had received the letters, but has not gotten to investigating  XXXX  yet, but was behind in the mail so they were still investigating  XXXX . Under the Fair Reporting Act, the investigation should be done in 30 days. That did not happen due to the Holidays. I sent another letter asking them to investigate. I thought this matter was resolved until I applied for an apartment on XX/XX/XXXX .I was told by the apartment complex that this same information disputed in   XXXX   was impeding me from getting approved to have a roof over my head. Will you please provide me a description of the procedure used to determine the accuracy and completeness of the information, including the business, name, address, phone number and documentation submitted to credit bureaus to validate the debt? I am requesting this information for all  XXXX  credit bureaus.
<P/>
In addition, I want you all to investigate the credit bureaus refusal to supply an updated credit report when items have been disputed, deleted and changed. Each time I call to ask for the disputed results in writing, I was told I had to subscribe to a paid monthly service to get credit reports. I had to ask for the manager to get an updated credit report for free. The credit bureaus are more concerned with selling you credit reports or scores than they are about doing their job, to report accurate information. How can they become more user friendly, accurate, and provide the service mandated by the government. Please help.
<P/>
Thanks   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 2017-05-16 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: AES/PHEAA
State: MD

Complaint narrative:
In  XXXX    XXXX   my loans were transferred to Fe d Loan Servicing. At t hat time, I was already approved for a revised pay as you earn for  XXXX  through  XXXX . Fed  Loan Servicing did n ot transfer over my paper work and placed me on a traditional repayment schedule. I have called them 5 times to resolve this issue and give them the correct paper work to show them I was already approved for  XXXX . I have also already made a payment for the  XXXX    XXXX   payment cycle, as a revised pay as you earn candidate.     Fed  Loan Servicing is no w telling me in order to remedy the situation my account will go delinquent for 90 days until they can get an override to make sure that my account goes back to revised pay as you earn and have that payment count towards the  XXXX    XXXX   payment.     My account ( and credit most importan tly ) should n ot be penalized for a mistake they made. Additionally, I already made the qualifying payment of  XXXX , therefore I should not be penalized against my PSLF program.     Fed loan has mishandled this situation, is negligent, has caused me severe emotional distress and this is my first, but not my last, recourse of action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I am a XXXX.ilive in XXXX i have a checking account and a saveing account in HSBC bank. I remited {$300000.00} to an XXXX account for investment in XX/XX/XXXX. But some mistakes occurred. 1 this is the fist time to use HSBC wire transfer, I already selected usd as currency as transfer currency. But the money remited to XXXX is XXXX. I thik it is caused by the internet seting. I finish fist step click the next step.the page automatically turn back and the currency changed to XXXX. And mean while there some other thing not crrect or not finished framed by red line. But the currency selection changed automatically and had no red line frame. 2 after almost 2 weeks my HSBC bank manager call me to confirm the transfer, I already told her the currency is USD, but HSBC did not mention me is XXXX. 3. The money reach The account transfer to. At XX/XX/XXXX. HSBC told me .HSBC told me the money stay the third bank ( in XXXX ) more than 10days. the transfer let me lost more then {$4300.00} in currency exchange, and cause me ca n't finish my contacts in time.I also have to compensate the investment. I am a XXXX ( XXXX XXXX ) My phone NO is XXXX. My email is XXXXXXXXXXXX. Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I have a line of credit with TD bank. I pay the balance via online pay at  onlinebanking.tdbank.com usually 2 wee ks early.   I paid the entire balance that displayed on the website of {$4000.00} on  XXXX / XXXX / XXXX . On  XXXX / XXXX / XXXX , I noted that there was a {$20.00} charge on the line of credit. I presumed that this was an interest charge. I paid the {$20.00} and there was an immediate {$5.00}. I called  TD Ba nk and spoke to  XXXX , then her supervisor  XXXX   XXXX  (  XXXX  ) at  TD B ank explained that there is no way to see the entire balance. As a consequence, my balance accrued interest in the amount of {$20.00}.   Once I paid this balance, there was anther accrued interest of {$5.00}.   The only way that customers must call to find out the true balance is call.   This, I believe, is deceptive practice, as I have accrued interest on a balance I did not know existed. This is a hidden fee that is unfair. I do not think I owe them any interest and have asked that they refund the {$25.00}.    TD B ank should be required to show the entire balance owed to ensure that are not deceptively charging customers for hidden balances.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On  XXXX   XXXX  I mailed a check in the amount of {$2700.00} to  Macy 's   XXXX   XXXX  , to be paid towards my credit card balance. For  3  weeks I waited and they told me they never received it. On  XXXX   XXXX    XXXX   I called my bank and they said  Macy 's  cashed the check on  XXXX   XXXX    XXXX  . It still did not reflect on my account. So I called Macy 's to ask where my money went and they said they 'll need a form faxed from the bank to confirm payment. The bank faxed the form and I called  Macy ' s back to see if they received it. They said they 'll need to investigate and it could take up to  2  billing cycles  ( 2 months )  to get it corrected. I severely needed this check to go through to  Macy ' s as soon as possible and now they are at fault and not taking proper measures to ensure customer satisfaction.     I JUST FILED A COMPLAINT THROUGH THE CFPB AND WAITED AND WAITED UNTIL I FINALLY HEAR BACK FROM  MACY ' S AND THE CFPB REFERENCED THE WRONG ACCOUNT!!!! MY ACCOUNT NUMBER ENDS IN  XXXX .     NOT  XXXX !!     CORREC T MACY  'S ACCT NUMBER -  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 2017-05-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I made a previous complaint abo ut Navient not workin g with me not combining my " private smart option loans '' or discussing options about lowering my payment. I finally reached a nice gentleman which helped me get on a payment plan for {$120.00} per month which is electronically debited. He explained to me that the interest rate, which skyrocketed would lower in the month of  XXXX . I am still getting calls at l east six times   per day and when I log into my account, they have me listed as delinquent. This problem was supposed to be solved in  XXXX  when I agreed to pay the set amount each month. This is ruining my credit and I need help as soon as possible. I think I am going to be forced to hire an attorney if this problem is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion posts m y credit score but the credit factors they use say information unavailable. How can TransUnion give me a credit score if they have no information to go by?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: QC HOLDINGS INC
State: MT

Complaint narrative:
My ex sister in law received a call telling me that the person on the phone was trying to contact me. I called them back and left a message. I received a call today at XXXX XXXX onXX/XX/XXXX. I was trying to get information about this debt l owe. They stated that I owe {$1900.00} and they would take XXXX if I paid today. I told them to send me the paperwork about this debt. The person on the phone got really upset with me. I also told her that I do n't have a checking account and have n't sinceXX/XX/XXXX. She was very belligerent towards me because of my response to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Brelvis Consulting, LLC
State: IA

Complaint narrative:
I have been scammed by a company called " The Student Loan Help Center '', based in Florida. This company offered to consolidate my federal student loans for a {$990.00} fee, promising that I would be eligible for loan forgiveness after consolidation through a program implemented by the Obama administration. Unfortunately, I was unaware that federal student loan consolidation i s FREE. This was the second company that offered me the same solution, so I thought it had to be  legitimate. The other company offering a similar scam is called "  XXXX   XXXX    XXXX   '', based in California. Unfortunately, I gave " The Student Loan Help Center '' {$160.00} to consolidate my student loans. When I found out it was a scam, I cancelled my loan consolidation and credit card so they can not take any more money from me. But so far, I am unable to get a refund. Every time I call I get held for hours or transferred to a voicemail. These companies need to be stopped! They are preying on burdened graduates who struggle to pay their student loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE
State: OH

Complaint narrative:
AvanteUSA,  XXXX , TX offered to settle a debt from  XXXX   XXXX   XXXX  in  XXXX  PA and sent a letter implying I would be subject to further action if I did n't pay AvanteUSA. I have never been to  XXXX   XXXX   XXXX  nor do I live anywhere near  XXXX  PA. I have seen other complaints about Avante since researching this scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: MD

Complaint narrative:
My story began when I was placed on a trial payment plan back in   XX/XX/XXXX   with my lender. I made all three payments on time and continued paying my mortgage until it was transferred to another lender. When I made my payment to the new lender, it was returned, and they told me I had to apply for a new modification and then they could accept my payments. The new lender gave me the run around for almost four years, and they attempted to foreclose on my home. When I inquired about my mortgage payments that I had made from   XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX , th ey attempted to foreclose on my house, and my attorney advised me to sign the modification because I had no other alternatives and the banks can do what they want to do. I have an email stating these facts. I signed the modification knowing that my mortgage payments were not applied. After I had signed the modification, the lender told me that they could no longer speak to me because I was in bankruptcy. They would not discuss anything on the phone with me after that time. I have the email. I went to the state of Maryland, and an investigation was conducted, into my foreclosure case and it was discovered that my mortgage payments were not applied. I can provide those documents at CFPB request. Also, a judge in my bankruptcy filing in  XX/XX/XXXX  was provided with the trial payments, and email from  XXXX  in regards to not speaking with me after the ratification of the modification. The  Judge  allowed me to go back to paying my original mortgage until things were sorted out. My attorney disappeared, and my case was dismissed, and Fay started foreclosure proceedings on my home. This was the 5th foreclosure and keep in mind ; no other lender attempted to assist me with a modificat ion. Fay was  provided with all of this information, and yet they are now trying to foreclose for {$580000.00}. An adversary was filed  on Fay Servicing  during my  XX/XX/XXXX  bankruptcy filing, so they are aware of what is going on with my loan. I have notified the  Fay Servicing 's foreclosing attorney on many occasions to let them know that th e accounting information is incorrect, but they still push forward with foreclosure. There should be rules that foreclosing attorneys must adhere to before foreclosing on someone 's home. They should verify ownership and accounting before filing documents in the court system. If it were us as regular citizens, we could go to jail. Please investigate this company and help keep homeowners in their houses.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
Hi!     I have a complaint abo ut Navient,  a student loan collection comp any (  scam ). They call at all hours of the day and from multiple phone numbers. They say that I have a student loan from University  XXXX   XXXX  from  XXXX . That is impossible as I started University  XXXX   XXXX  in  XXXX . I am currently paying my   XXXX   student loans through  XXXX   XXXX . When i have spoken to them, they cant tell me ANYTHING, just that I owe {$11000.00} to them. They have reported this to my credit and now my credit is shot. This is unacceptable that a company can send fraudulent info to the credit bureau that I owe them money and when i call them, they can not even tell me anything about where it 's from! I said, " What school is this from? '' She paused and did not have an answer. I said the only school I went to was University  XXXX   XXXX  in  XXXX  and i 'm now graduated. She said, " Oh, then it has to be University  XXXX   XXXX . '' Please help me with this. They need to remove this from my credit. I am paying my TRUE student loans through  XXXX   XXXX .     Thank you in advance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am in the process of trying to modify my mortgage with  Select Portfolio . I was given a so called single point of contact but the contact never returns my call. I am forced to talk to someone new every time I call them for clarification on what documents they want to see. The representatives tell me I need a document and then when I give to them they say I need something else. I was told at least twice I have given them all the documents needed and my loan was in underwriting only to be told again I need something else.      Select Portfolio h as also placed multiple fraudulent insurance claims on my property. I never needed to file an insurance claim as the house was always occupied. As a result I am having problems obtaining affordable insurance for my primary residence.     This property was also included in a bankruptcy and  Select Portfolio has  ignored the proper disclosures and acknowledgement of the fact that the loan was in bankruptcy. As a result the loan has a some point been reported incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I submitted the attached police report to all  XXXX  credit bureaus notifying them that I was a victim of identity theft and that the Bank of America account ending in  XXXX  that was reported as a charge off on my credit report with a balance of {$1500.00} was the result of a stolen credit card. I asked that this account be immediately removed from my credit file ; however, both  XXXX  and  XXXX  have refused to remove stating that Bank of America has confirmed that the charges are correct. I have attempted to follow up with Bank of America directly but every time I call in I am given the run around. Numerous agents have confirmed that not only are the charges fraudulent but nearly 75 % of the balance that is being reported is the result of their own late fees and interest charges assessed after I initially alerted them to the fraud on my account back in  XXXX   XXXX . It is my very strong belief that this balance is an attempt by Bank of America to extort money from its customers and that the resulting charge off was an act of retaliation by Bank of America as I have refused to pay any and all of this {$1500.00} balance. As evidence of this fact, since closing the account in  XXXX   XXXX , Bank of America has refused to further investigate the fraud claims made on this account, even porting the account balance ( without the actual transaction h istory ) to another acco unt number in order to mask the poor account management that has taken place here and continue to report this account to my credit report after I provided documentation with the credit reporting agencies as proof of the fraudulent activity on this account. Further, through the end of  XXXX  Bank of America management refused to answer any of my numerous inquiries and attempts to remove this account from my credit report. Again as evidence of this fact, I filed a Better Business Bureau complaint in  XXXX   XXXX , which also went unanswered.

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 monetary relief
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA

Complaint narrative:
Company has reported  XXXX  separate charge- offs, instead of the single falied charge off t hat occured. Compan  y has failed to delete tradelinre in its entirety upon sale to collection agency, in violation of double and multiple jeopardy provisions of applicble law, including the FCRA and other state and federal law. Reporting has obstructed payment of this and other accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
There is some inaccurate names, addresses and phone numbers.

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