vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 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: FL

Complaint narrative:
As a consumer, I feel like I'm being pushed down the road. I have tried over the past 2 yrs to have the 3 major CRA 's correct items on my credit reports through dispute letters. I decided now to take things further because I am not happy with the results. I recently sent my dispute letter to Experian on XX/XX/2019, today I received my dispute results. I was so disappointed. In fact, my formal written request, I specifically asked if they would investigate these " Unverified '' accounts listed. I also asked Experian to do so through " physical verification '' of the original signed contract, all accounts posted on my report to assure accuracy, according to FCRA statue in which they are required to do. 

Well, they never sent me what I specifically asked for, like the original contract that they are supposed to have on file according to the FCRA 611 ( a ) ( 1 ) ( a ). The following accounts I listed for them to verify or remove immediately. 
1. XXXX XXXX XXXX  - XXXX ... 
2. XXXX XXXX XXXX - XXXX 3. XXXX XXXX XXXX - XXXX Here is Experian 's response : ( " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. '' ) Why are they conferring with a creditor? The law specifically states they ( CRA 's ) should have this information in their own file.

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 2019-03-11 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: GA

Complaint narrative:
I had a vehicle loan with XXXX XXXX Dealer Services XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX Dealer services to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Transunion and they have not provided ANY verification. I have no proof they have even tried to fix this issue.

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 2019-03-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
Last year when i requested my report from Equifax they had incorrect information on me and they were confusing me with someone else with the same name. I just tried to order my yearly report and the questions they asked to confirm my identity had nothing to do with me at all and now i have to be extremely inconvenienced and make copies of documents, gather information and use a stamp because i have to order it by mail. Why is Equifax the only agency that does this to me? I thought i had this problem resolved but they obviously are doing the same XXXX thing. They are not careful with information and that affects peoples lives in a negative way. There should be huge fines for each instance they are careless with peoples information and the people affected by their carelessness should be paid too. On my teport last uear they had a XXXX address for me and were associating me with another person of the same name and it looks like theyre still doing it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Greater Collection Agency Bureau, LLC
State: MI

Complaint narrative:
I have received NUMEROUS calls from ( XXXX ) XXXX that threaten legal action with no information regarding who I owe, what the debt is, what the amount is, etc. They have also contacted my son, my employer, and my daughter 's place of employment. This is harassment, plain and simple. I tried to call them back and received a recording that I did leave a message on requesting information via US mail and to cease and desist with the phone calls. In the recording they list their company as GCAB. An internet search for that company pulls up a very sketchy looking website.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
suntrust shows XXXX % utilization when its not been that way for a long time

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 2019-03-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: F&M Capital LLC
State: NE

Complaint narrative:
On XX/XX/XXXX I was contacted by a company called F & M Capital who said I owed money to a payday loan company from XX/XX/XXXX. The name of the Payday Loan Company was  through an XXXX XXXX named XXXX XXXX XXXX. I was going through a divorce in XX/XX/XXXX, and needed money to pay for my attorney to keep the custody of my children. I thought I had paid all of my debts, and transferred them when I moved, but I somehow missed this one. I was threatened by someone named XXXX with legal repercussions to include my not being allowed to open bank accounts in the future and said I committed fraud. I did not know the amount I borrowed, and he said I had made payments at first, but stopped. I explained that I moved, and did not know all of the debts did not move with me. I asked how much I owed and he said {$1500.00} was the original loan amount. I asked if I could pay that amount, and he said no- that I now had to pay {$7800.00}. I asked him to mail me paperwork showing me this loan, and he said he couldn't. I told him I was willing to pay them the entire amount in full, as I was unaware of the debt, but needed to see how much I borrowed. He said he couldn't but he would settle with me for {$3100.00}, as he " understood my situation ''. Again I asked for paperwork. I received an email in which they told me I needed to call the loan company directly to get the paperwork through a " chain of title ''. I don't have a record of this loan. It doesn't show up on my credit report, and I feel like they are illegally threatening me. I also don't know how they could possibly charge me now so much more money even after I offered to pay the amount of the original loan. Can you please help me? He calls a few times a week and has reached out to my family members as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This collection was recently removed from my account and then a few days ago equifax added it back. I have contacted the creditor and the creditor states that they no longer have this record it was deleted but somehow Equifax decided to added it again the company even sent me paperwork claiming that the file has been removed. Attached is the erroneous document reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I received a payout from my title company due to an ongoing legal issue. I am not in agreement with the amount of the payout and have not accepted their offer. The money was being held in a suspense account until a final agreement was reached. My mortgage was with XXXX XXXX which changed their name to XXXX XXXX. They held the money for me until my mortgage was sold to Wells Fargo. When this happened the money was applied without my knowledge. I called and had it backed out numerous times. Finally they have applied the money and won't back it out, against my wishes. I have contacted the multiple times since they took over my mortgage. Most recent contact information follows : XX/XX/19 - I spoke with XXXX XXXX - she suggested that they send me a check for the amount so I could hold it until an agreement was reached. No check ever came. 

XX/XX/19 - XXXX XXXX - following up on check to see why it isn't being processed. 

XX/XX/19 - XXXX XXXX - opened a case in the XXXX XXXX to try and help me. 

XX/XX/19 - XXXX XXXX - will research the issue and get back to me. 

XX/XX/19 - I left message for XXXX XXXX following up. No response. 

XX/XX/19 - I received a letter from XXXX XXXX - saying my issued had been researched and there is nothing that can be done. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I left a message for XXXX XXXX - no response. 

XX/XX/19 - I spoke with XXXX XXXX and requested to speak to a manager. I was told that XXXX XXXX would call me back in 24 hours. No response. 

XX/XX/19 - I spoke with XXXX XXXX regarding the lack of response from XXXX XXXX and was told he is out on PTO and there is nothing they can do to resolve my issue.

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 2019-03-11 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
The following financial companies pulled my information and conducted hard inquiries on my account without my consent : Chase Bank : XX/XX/2018 XXXX XXXX : XX/XX/2018 XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I requested a discharge due to my XXXX. I was informed of what papers i needed to send them from the SSA to receive a determination. I received the papers and emailed them in XX/XX/XXXX. I also mailed them. I received a email saying they received them. In XX/XX/XXXX i get a notice that they needed the papers from SSA. I called and the customer service agent was very rude. Saying i had to send in the papers, would not let me explain that i sent them. So i emailed them again. I received a notice that they received them. I also sent copies by mail and sent them by certified mail. I have the receipt signed. Today i get a notice saying my request was denied bcz they never received the papers. What do i do?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I opened the checking account with HSBC and was approved on XX/XX/2018 under the promotion that I would receive a bonus of {$350.00} for depositing and keeping {$10000.00} for 90 days. I deposited the money on XX/XX/18 and have kept the money in it. I have fulfilled the terms and the bank didn't pay out the bonus even 4 months after meeting the terms and requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: GA

Complaint narrative:
I had a vehicle loan with XXXX XXXX XXXX XXXX XX/XX/XXXX. I traded the vehicle in. Apparently the dealership and XXXX XXXX got their wires crossed but the payment for the payoff did not post at a decent time. This caused XXXX XXXX XXXX XXXX to mark my account as 30days late. When I handed over the keys and signed for a new vehicle at the dealership, the XXXX XXXX then became that dealerships property. My credit report should not reflect a 30day late payment. I did not miss a single payment before then. Ive disputed this account many times with no success. I called XXXX XX/XX/XXXX in hopes to resolve the issues still no success. I disputed with Experian and they have not provided ANY verification. I have no proof they have even tried to fix this issue.

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 2019-03-11 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sherloq Group, Inc
State: NC

Complaint narrative:
I'm a XXXX patient and am getting daily calls from this debt collector for medical bills. I explained to them that I'm still unable to work, am not collecting XXXX and have no income at this time. 

I also told them that I was willing to honor the debt as soon as I get well and back to work. 

I get a call from this company every day even through I have blocked their number on my phone they leave a message EVERY DAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MD

Complaint narrative:
On XX/XX/XXXX, I created my account with XXXX   Servicing, and I uploaded all of my Employment Certification forms for the Public Service Student Loan Forgiveness program. I received notice that all of my forms were received on XX/XX/XXXX. I called the customer support line shortly after my account was set up to check in that all of my Employment Certification forms  were correctly received and to see how long the review normally takes. At first, I was told it may be 6 months, but no communication was sent to me telling me that the review of my student loans was in process or any timeline for how long I can typically expect to wait. I called again in XXXX of XXXX to see if the review was starting and if I would see an update on my qualifying payments anytime soon. I wasn't told anything specific, just that the review hadn't started and that I would get some kind of written communication if anything else was required. I called again in XX/XX/XXXX, and again, I was told to call back in 30 days to see if the review had started. I called again in XX/XX/XXXX and was told that nowhere was there any written guideline of how long the review takes. I was told it could take up to a year, but that there was no timeline. I asked to have my case escalated, because I thought this was pretty poor customer service, but I suspect I was then just put back into holding queue because the person I spoke to next was another customer service rep who told me there was no timeline for their review. 

I believe XXXX servicing should be more transparent with their process and where loan forgiveness applicants are in the process. These are not petty annoyances that I'm not getting answers about. Whether I get this loan forgiveness determines if I can afford to buy a house in three years. It determines whether I look for another job outside of the non-profit sector in a year. Whether I get loan forgiveness also determines my personal professional development budget, how much I can afford to save for my wedding, and what kind of career opportunities I will entertain because I have to stay in the non-profit sector. Conversely, if I'm denied PSLF, I need to know now if I should pursue a different career and how I need to alter my budgets/plans and take on additional jobs so that I can continue building towards my financial goals. 

What I've witnessed in XXXX Servicing customer service is a lack of any clarity in policies and procedures, which cascades to uncertainty about my participation in the economy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
First let me say that this dispute is still currently in process as an investigation. I have an account with American Express Serve. I have been with them for over 3 years. On XX/XX/2019 around XXXX, my account was hacked by a person named XXXX XXXX twice in the middle of the night for {$500.00} and {$370.00} totaling {$870.00}. I was only able to pay one of my bills, XXXX, on this day due to my funds being cyphered as I was looking at my account on my phone.I actually receive an email at this hour stating that I sent this person the money as I am on the phone with the customer service representative. They gave me an invalid number to what was supposed to be the dispute department, which turned out to be a cruise line sweepstakes number ( XXXX ). In order to get back into my account, I had to call the CSR around XXXX as I was on my way to work because my account was locked due to numerous attempts to get back into my account after I had changed all my security measures after I got off the phone with CSR last the morning before. My account was opened only to be locked again later on that morning. My account had already been depleted to {$0.00}, but the person was still trying to access my account. Therefore, as I was on the phone with a supervisor, he changed my username so that my account would not be locked again. I still do not have any of my money because they insist on investigating the case more. I told them I would call back everyday until I have my money back. My account should have been FDIC insured, which means my money should have been returned to my account that day. I also filed a police report on XX/XX/XXXX19 and had to report that to them. I pulled up the unauthorized debit form and fax everything you see to them. By the way, I had to look up the dispute department number as well as the form and send it to them. They really did not help me through this entire process. I feel that this was done internally because of how this situation was pushed only by me. I am highly upset and hurt by this company. Every call is recorded supposedly, someone should listen to how well their customer service reps and supervisors ensure the happiness of their customers when it comes to people loosing their money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
A few months after closing my 2018 mortgage with Fifth Third Bank, the bank sent me a forced flood insurance policy and added the monthly premium to my escrow. The forced flood insurance policy is for {$3000.00}. A similar policy is less than {$250.00}. I received the first higher payment in XXXX 2018 and immediately contacted the bank. I explained to them that I live on a second floor condo and was not requiered to have flood insurance. This info was also in the closing docs and was never requested as manadatory by the bank for closing. Since XXXX the bank has been forwarded the flood zone docs for my property. A few weeks after sending the flood docs to the bank, they claim to have never received them. They were sent a second time. On XXXX XXXX, 2018 they sent me a letter cancelling the insurance. The letter shows a prorated amount, still charging me for XXXX months. I have made several attempts since XXXX for a refund and credit to my monthly escrow and have been unsuccessful. The bank is non-responsive and I have tried several times to visit a local branch. These visits have been unsuccessful as the bank claims they can not handle this issue from a local branch. There seems to be a general lack of care from the bank and a designed business practice to force flood insurance on their clients. This is placing me in a financial hardship and no end to a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: DISCOVER BANK
State: NJ

Complaint narrative:
discover card limit is incorrect on all 3 bureaus my limit is XXXX, not XXXX this difference helps my FICO score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I signed up for TransUnion a month ago to check my credit score. Once I was able to sign up, I ended up having a result that I don't have credit history which is actually true because I never signed up to any credit cards or whatsoever. Eventually, I decided that I will just cancel the account since there is no point of reviewing anything if I don't have a credit score. I signed up for their free trial services and eventually got multiple charges on my account. A month later, which is today ( XX/XX/19 ) I got charged for a monthly fee again. I called them and was finally able to speak to someone to cancel the account. I accidentally gave my SSN over the phone. I'm terrified now that I may be a victim of identity theft/fraud. The amounts that were taken were two charges of {$27.00} on XX/XX/19 and XX/XX/19.

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