vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing because Equifax is listing erroneous and fraudulent information on my credit report. Be advised that this is not a refusal to pay a debt, but a notice was not sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) hence the debt claims are disputed as validation was never sent to me. 
I am NOT requesting for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligations to pay these accounts : XXXX  XXXX/XXXX/XXXX I do not even know which one is the company, I have 3 different names on this alleged account that claims {$2100.00}. This account is unknown and was not validated. 
XXXX XXXX XXXX ( XXXX ) claims {$170.00} account is unknown, and was not validated Please provide me with the following as an investigation by Equifax to validate these claims : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed including MY SIGNATURE to pay what you say I owe on these accounts ; Provide a verification or copy of any judgment if applicable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report

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 2019-08-28 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: NY

Complaint narrative:
I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: NY

Complaint narrative:
I need all credit cards prior 2012 removed from all credit reports. 

Also, i have a repossessed vehicle and the car wasnt mine. It was apart of ex-wife name but for some reason its on my report

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 2019-08-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I " graduated '' from the now defunct XXXX XXXX XXXX XXXX in 2007. I received an XXXX of XXXX XXXX in XXXX and XXXX. This degree had not helped develop my career one bit and now the degree itself is useless because of the non-accreditation. 

Not only did I use/lose my GI Bill ( it wasn't enough to cover costs ), I had to take out several private loans to offset the cost. It has been 12 years and I still owe just under {$30000.00} as of today. The school does not exist any longer, it lost its accreditation and the degree has no value.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a saving account with Bank of America ( BOA ) since XX/XX/XXXX. Basically, I don't need to pay the maintenance fee for this account if I set up auto transfer between my BoA accounts for at least {$25.00}. And in past 7 years, I didn't receive any maintenance fee charge for this account. But when I checked my statement yesterday, I found I had been charged { {$5.00} } maintenance fee since XX/XX/XXXX, and had been charged 21 times, { {$100.00} } in total. So I called the customer service to figure out what happened, on XX/XX/XXXX. Then both the agent and his manager told me, in XXXX XXXX, BOA changed the fee waiver criteria, and customers would be charged for { {$5.00} } maintenance fee unless they meet certain new criteria. They can not refund me the charged fees and closed my account. I asked when the notice sent out to the customers because I didn't receive any notice of this change ( I confirmed this by checking through my email inbox as I never received any paper mails regarding this change ). Then I was told the policy change was listed in one of the regular quarterly statements, online only, the one in XXXX XXXX. This is totally reckless, misleading, and arbitrary. If the bank decides to do the change, which will potentially damage customers benefits it should notify customers in a more direct and transparent way. It's hard for me to find the information from one of many statements, especially given the fact that this information is attached after a blank page which is usually the ending page of the lengthy monthly statements. The agent told me all the savings customers were notified this way- through one of the monthly online statements. So not only me, many other customers were treated unfairly by BoA during this fee change.

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 2019-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
I have an account with TD bank. On XX/XX/2019 my debit card went missing after I made a purchase at a restaurant. The server left after I made the purchase, and I couldn't find my card. My friend that was with me took me home after the incident. I called TD, and reported my card stolen. They informed me that several withdraws had been made. I did not authorize my card, and I didn't give permission for anyone to use my card. It was later found that morning when TD opened by my friends apartment, and not where the withdraws were made. I believe that my friend was the one who took my card. She was with me when I made a purchase, and I think she saw my code when I didn't know she was looking. The total amount was {$760.00}. 

I went to the bank as soon as the bank opened in the morning to make a claim, and they said I needed to get a police report. I made a police report, and then they wanted me to get a subpoena. I got the subpoena, and it was faxed in on XX/XX/2019. I have been jumping through hoops, and doing everything I can to get this footage of the person using my debit card at the ATM, and I would like to know who it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Since my other mortgage company transfer our account to this new Shell Point Mortgage has been only travel and issues with them and they are a big lairs, they are not honest at all every month for the last 6 of then i been having issue and we are tired, I hope so we transfer all my account to a new mortgage company soon or sooner

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: BMW Financial Services NA, LLC
State: MA

Complaint narrative:
I currently lease two XXXX  cars and during my almost 3-year term all goes smooth. On month # 30, end of XXXX I get hospitalized and I miss a payment. After 5 days I realized I had to pay and I went ahead to bring my account current, with penalties. Mid XXXX my credit score dropped 65 points! I called BMW finance and explain the situation, I am told they can't discuss or resolve over the phone but to email/fax documentation as medical would be an exception to look into and adjust my credit back. I sent pages of medical documentation ( E.R, family doctor etc. ) Three weeks after I received a letter from BMW finance saying " documentation is NOT sufficient '' and credit will not be adjusted back. They did not provide any reasons nor they included what needs to be provided to be " excused ''. How can human beings not be sick and not ruining their financial life. This is absurd. I will pursue this to any extent of the law it allows citizens to do so. Never mind, I have leased 7 cars and been a good customers, never late payment etc. you get seriously sick and now can't get a business loan, refinance etc. What's the reason documents from hospital and doctors were not accepted, why this credit can't be adjusted back, why they refuse to speak over the phone and they have the unilaterl right to report consumers and ruin people life to the credit bureaus? Absolutely illegal! and I have leased two cars so the reports hit me twice!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was an authorized card user on 2 individuals Kohl 's account. I requested to be removed as an authorized card user ; however, for some reason the accounts are still being reported in my credit bureau reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: American Credit Acceptance, LLC
State: VA

Complaint narrative:
Repossession of auto from Amrican credit accetance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I just received a bill from Synchrony Bank, regarding my tires I bought with credit from discount tire. They are charging me 29.99  interest rate, but they don't tell there customers that the interest rate is from the original amount. I was on a promotional deal for 9 months, and then the interest rate started as of XX/XX/2019 for my next payment. How is a person suppose to catch up on the bill, when they lie to there customers? They are charging me over {$290.00}, and my previous bill was {$750.00}.

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 2019-08-28 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: CA

Complaint narrative:
I have student loans that were previously serviced by XXXX XXXX from XXXX-XXXX. The servicer changed from XXXX XXXX to FedLoan. Fed loans only documented my payments with them but not XXXX XXXX, leading 2 years worth of qualifying payments for PublicServiceLoanForgiveness program, being lost to the record. 

I have contacted XXXX XXXX, which did not provide me with those records after several months of effort. 
I have also contacted FedLoans (XX/XX/XXXX ), who says they will do a manual count of the documents, but it has been 5 months now. I have tried to follow up several times, with automated replies. 

I have complained about XXXX XXXX before, in an attempt to obtain my record but have not been successful. If this attempt is unsuccessful, I will start writing to my representatives and senators and complained about the ineffectiveness of the Consumer Financial Protection Bureau to confront these companies and obtain accurate records of my payment history. I am approaching 9 years of service in the XXXX and I would like that to reflect in the PSLF qualifying payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Revenue Assurance Professionals LLC
State: TN

Complaint narrative:
I don't know this company at all and do not owe them any debt as I have NEVER done business with them. They aren't even licensed to collect in the state of Tennessee. They should have never contacted me at all trying to get my social for verification of debt they should be able to prove without a doubt if I allegedly " owe '' them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TX

Complaint narrative:
Transunion and XXXX are incorrectly reporting information on my credit report and I want it fixed now. I have personally spoken with the company I got my loan from and they went above and beyond to correct their side and now because both XXXX and Transunion are incorrectly reporting information it is doing way beyond damage to my 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 2019-08-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: TN

Complaint narrative:
I told the customer service representative about my current situation, as I had my son XXXX which completely changed our financial situation for the worst. After numerous calls, I talked to one representative who brought me to tears because she hounded me about getting a payment in even though I repeated that I don't have the means. She then told me to ask my parents. Then she asked me did I have any coworkers, friends, or neighbors that would pay off the ENTIRE {$7000.00} balance for me. She told me that people have neighbors and friends who do pay for people 's loans all the time, which is obviously a lie and a tactic to try to get the money by any unethical means. THIS IS HARASSMENT! 

Not only that how can you change a total balance from {$7000.00} to {$2000.00} to help, if I could produce the amount, but because I can't because I don't work to take care of my ill child, you inflate the amount at your leisure? 

This company has completely failed me and many other borrowers with their predatory tactics for borrowing and repayment and it should be illegal! This is a harmful company! 

They say every call may be recorded so I hope they have this one as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I am writing to dispute the reporting by HMF to XXXX of my liability for a late payment from XX/XX/2019. I will simultaneously be reporting this to the HMF and XXXX for further review. Grievance. 

1. I allege my ex-wife fraudulently processed a chargeback on prior payments made on my lease to HMF. Upon learning this, HMF indicated that their systems had me requesting the chargeback, to which I replied with the allegation. I further asked that they respond to the chargeback dispute inquiry with XXXX to affirm the payment was legitimate. They refused. I was unsuccessful in convincing my ex-wife to make the payments and so they were two months behind with no warning. 

2. When I began receiving calls from collections, I also offered to furnish evidence of the fraudulent chargeback. On XX/XX/XXXX, HMF collections called me with indicating that if I didn't make a payment that day, there would be negative reporting on my credit because we were " at the 40-day mark. I went ahead and MADE A PAYMENT THAT SAME DAY, XX/XX/XXXX. Because I was told this payment would avoid negative reporting, I am here alleging erroneous late payment reporting by HMF inconsistent with their own internal procedures and external communications to me. 

If they are exempt from disputing the chargeback, they most certainly should be held accountable for the communication regarding credit. There is more context to the situation that HMF is aware of and avoided answering the substantive issues above in complaint XXXX. Simply reviewing the payment record without listening to the recording of the collections conversation misses this vital communication, even if claimed as agent error ex post facto. It costs you nothing, HMF, to correct this error in your reporting. It most definitely costs you a customer if you refuse to correct the error. It shouldn't be my credit, in the meantime, that is the only thing impacted. There is an easy and just fix to this well within your power to redress. 

The software below is not processing attachments. HMF has relevant payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: OH

Complaint narrative:
I am in received some letters from XXXX XXXX  XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX****, XXXX  # XXXX****, informing me that they are handling the collection of the account mentioned above. However after reviewing my records, I am unable to find any documentation of any contractual relationship between FFCC and myself, XXXX A XXXX, which makes you a person entitled to enforce a commercial claim against me. This is not a request for any verification or validation. 
This is a request for proof of contract, to substantiate your claim. Therefore, provide me a certified copy of the original contract, with my signature, specifically naming your company as a person entitled to enforce a commercial claim against me. Certification can be done through the presence of a notary public who duly swear the copy made is in fact a copy of the original paper contract in question.

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 2019-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
The company ( CLLCN BUREAU OF THE HU ) has falsely reported me to the credit agency and made up a fake payment history to hurts my credit and force to me pay something doesnt belong to me they reported without having my fall information just a mix up name I already called them and explained to them I dont owe them and that was a mixed up identity And the address they have in file I never lived at but they was so rude and said they dont care I have to send them a paper with all my personal information such my SSN and my health insurance policy and copy of my ID sent Aslo i explained to them I never open the account they come after me for and I tried to dispute it but they never disputed for me and still showing in my credit report please let them remove it out my credit report I never open that account or lived in the address the account was linked to

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
In XX/XX/2019, PNC mortgage broker XXXX XXXX ( Mortgage Loan Officer NMLS XXXX ) informed me a rate ( 3.125 % ) that is 0.125 % lower than the true rate ( 3.125 % ) in effect upon closing. She later admitted the mistake but said there was nothing that she can do. When I learned the true rate, it was too late for me to switch to another mortgage company because there was not enough time before the school year starts in XXXX. She also informed me of a lender 's credit in the amount of around {$1900.00} in early XXXX as a compensation, but that credit was later withdrawn by PNC without notice. She also informed me of a number for funds needed for closing which turned out to be deficient by {$12000.00}, which caused me great inconvenience in preparing for the closing funds on a short notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: TIDEWATER FINANCE COMPANY, INC.
State: GA

Complaint narrative:
In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28 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: Porania, LLC
State: GA

Complaint narrative:
In the process of applying for a home loan and sending out several, several letters correcting various errors with the 3 credit bureaus. There arise another problem we were told by the lender there was a foreclosure on the hard credit, which we were unaware of.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation