vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
2- Part Complaint- 1st : OPT-OUT Choice- Current XXXX XXXX have Been Charged " overdraft Fees '' so far as of today Total : {$140.00} Dates : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX Under the " OPT-OUT '' category states '' " ATM and everyday Debit Card transactions will " NOT '' be authorized when the account balance is insufficient at the time of the transaction. '' THIS DID NOT HAPPEN AS REQUIRED, UNDER MY OPT-OUT CHOICE '', AND I -AM- BEING CHARGED-OVERDRAFT FEE 'S, and my online banking " Does Not show that ( negative amount ) transactions ( cleared online banking ), and merchants at ( Time of purchases Cleared ). 

2nd part complaint : Regarding XXXX My Compensation Portion ) of Court Case XXXX *My Account was NOT Credited ( was Due XXXX ) .Enclosed is copy of my 'year-to-date-Statements-Proof '' for which I had to make a Personal Visit to TCF Branch Location to ( Obtain the statements for XXXX ) per Court Case for Compensation 's Years- for Credits to Account. * UNDER - Frequently asked questions shows : " More Information Contact TCF Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Phone # XXXX Email : XXXX XXXX I called twice same day two different people- I Informed them I have Not been Credit to my account as court ordered, and " They denied me credit to account under Court order '' **Describe the methodology for " effectively '' identifying and " providing restitution to " Affected Consumers '', AND " Identifying '' the " Dollar Amounts '' of Restitution for " EACH '' Affected Consumer ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: MI

Complaint narrative:
I sent my documentation to TransUnion and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that this my actual debt

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 2019-07-21 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: CITIBANK, N.A.
State: RI

Complaint narrative:
Trying to rebuild my credit score download of XXXX XXXX look at it everyday get alerts noticed on XX/XX/2019 cbna for the hard inquiry and I'm wondering how can that be since I don't know who they are where they are and I didn't apply for?

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 2019-07-21 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: American First Finance, Inc.
State: AZ

Complaint narrative:
I opened an installment loan with American First Financial on XX/XX/XXXX in the amount of {$450.00}. This account was paid in full on XX/XX/XXXX. Currently it is still showing up on my XXXX  report as being open with a balance of {$450.00} and no record of each month the item was paid on time. Approximately XX/XX/XXXX I called American First Financial to make them aware of the mistakes and to seek resolution. I was told at that time that they use a 3rd party to report to the credit bureau. They would email them and make them aware. I called back to AFF the  next day or two to make sure the 3rd party had received the request. I was told at that time by AFF that they could not give me any more information because the 3rd party doesn't have a phone number. All they could do was email them and they've already done that. I would have to wait 30-45 days to see if it had been updated on my credit report. Approximately 7 days later I followed up to AFF with another phone call. I asked if they had received any sort of response from the 3rd party at which time I was told they had no information from the 3rd party and again they could not follow up with them because they couldn't call them because they don't have a telephone number and all they can do is email them which they've already done. On approximately XX/XX/XXXX I visited American First Financial 's website where they have a section you can email them to report issues with your credit report. I wrote them an email outlining everything I am in this email. As of XX/XX/XXXX I have heard nothing from AFF and the inaccuracies are still on my Transunion report. 

I'm trying to purchase a home and I can not afford to have any inaccuracies on my credit report. I also made this clear to AFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents XXXX  from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free Annual Credit Report to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
For the past several years I have been unable to receive an credit report from any of the companies that participate in the XXXX program. 

Any attempt always results in " We're sorry, for your protection we are unable to deliver an XXXX Free Annual Credit Report over the Internet, '' " A condition exists that prevents Experian from being able to accept your request at this time, '' or " The system was unable to get enough information from the Free XXXX XXXX XXXX to complete this process. '' I used to be able to successfully obtain credit reports from the site but now I always have to call or mail the request. What is the point of having this site if it doesn't work?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
one day I realized I had around {$1000.00} missing from my checking account when I went to withdraw from the atm and noticed my balance was significantly down, I then realized from a period of 2 weeks I had close to {$1700.00} stolen from my account. 

I contacted bank of America the following business day and I received a letter from them about a week later telling me that it was not fraud. 

I received a letter stating that my claim was denied for fraudulent charges made between XX/XX/XXXX and XX/XX/XXXX for the amount of {$1700.00}. 

Bank of America believed these charges were legitimate and did not follow typical fraud patterns, I was given a few reasons. 

-Waited too long to stop transactions on the card -Fraud cases typically involve draining the account ( which did not happen in this case ) -Logged in multiple times while these transactions were taking place ( without noticing anything unusual or made any attempt to stop these transactions ) -No repeated attempts after I closed the account ( no declined transactions after i found out ) Most the reasons above are pretty faulty and can each have their own reasons. As a customer for almost 3 years, I feel that the above are not acceptable reasons for denying my claim. This is an unfair denial of my claim, Bank america is claiming that I should have noticed unusual activity on my account from the beginning, but I believe its difficult to notice $ XXXX transactions on your account when you have XXXX , I immediately noticed the charges when I seen there was {$1000.00} missing. bank of America claims fraudsters typically wipe out accounts, but this can not possibly be all cases. I just don't get that. 

the reason I am mainly writing this complaint is because bank of America has not even gave me any explanation on what these charges were for. its been over a month since I called them and they have not told me what these charges were for. its kind of scary. 

they were all international charges, starting in small amounts, of {$100.00} and gradually increasing to {$300.00} then the last charges were for {$500.00}. I was also charged for international fees. which totaled to {$1700.00} Furthermore, I was not provided any detail regarding the nature of these transactions. Did boa make an attempt to contact the merchant? Did the merchant contact them back explaining what the purchases were? There was literally zero information on what goods or services were purchased.

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 2019-07-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: WorldRemit Corp.
State: NY

Complaint narrative:
The money exchange company, WORLD REMIT are a big fraud in the industry! Ill surely report them to XXXX, CFTC and also expose them by posting a blog on XXXX and XXXX about how they mislead and fraudulently charge their innocent customers hidden fees without having a proper disclosure or prior notification!! I did a money transfer through them on XX/XX/2019 from USD to NPR for {$200.00}. I was basically trapped because of the low exchange fee offered by them i.e {$2.00}, but up on completion of transaction I was basically charged {$13.00} in total!! While processing transaction through their App, When I chose payment by CC, nowhere on their app it indicated or shown that the transaction will be treated as a bank wire transfer or cash advance neither it prompted me that there will be additional {$10.00} fee imposed by my CC company, just because they ran the transfer as bank wire transfer/cash advance and not that CC company was aware of it!!! I was happy that I paid a low currency exchange fee for transfer of funds and they ripped me off by processing it as wire transfer and not showing any additional fee at the time. It still kept showing a fee of {$2.00} till the end of the transaction. The funds transfer was actually a donation to build up the church and I was ripped off by these guys!! Its morally, ethically and legally a fraud to charge fee, post transaction, days after it was processed, by my CC in the statement. I was quite upset!! Ethically, they should have refunded the additional fee when I contacted back to resolve the issue but their Rep easily shrugged of their shoulders and put the blame on CC company, In fact, it was actually not their ( CC Comp ) fault!! It was the responsibility of World Remit to be transparent and show the total fee in advance or prior to the transaction as all other money transfer sites, XXXX, XXXX XXXX, and XXXX do and are obligated by the government policy but they failed to do so!! SHAME ON THEM!! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Ocwen Financial Corporation
State: AR

Complaint narrative:
XXXX, XXXX XXXX XXXX ORINATED AND SERVICED LOAN XXXX AND WAS FRAUDULENTLY SERVICING LOAN AND NOT APPLYING 9 MONTHS IN XXXX. TO COVER UP SOLD TO OCWEN AND DID THE SAME. 


XXXX, XXXX & XXXX OCWEN XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
The agency continuously called/harassed me by calling within and outside of normal calling hours. The agency then attempted to report information every day and every other week to the credit bureaus. I called the representatives failed to help remedy the 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 2019-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: OR

Complaint narrative:
Hello, I have received 15+ calls from this company Portfolio Recovery Associates and have payment plan set up with them but they have been consistently harassing my  phone and calling nonstop from different numbers. I have had it and am tempted to change my number. Please remedy this as this company is causing a big disruption in my life. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I normally receive statements from DiTech on or about the XXXX day of each month. As of XX/XX/2019 I had not received my normal monthly statement. I called the customer service number XXXX. This call took place on XX/XX/2019 at XXXX PDT. I spoke with XXXX. She transferred my call to another DiTech employee. I stated that I had not received my bill, I requested the date on which the bill had been placed in the mail, I requested where the bill had been placed in the mail. He could only reply that the bill had been prepared with XX/XX/2019 statement date. This did not answer the question as to when and where the statement had been placed in the post. He stated that he did not have this information. I requested for a replacement statement to be sent. 

That this basic information is not available to DiTech mortgage holders indicates the intentional act of management to keep its employees and its customers uninformed as to the operation of their MSR processes. From an operational perspective, DiTech is not able to provide any believable assertion that DiTech has either the staff or the financial resources with which to present the DiTech business offering to the public.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AES/PHEAA
State: NY

Complaint narrative:
My student loans are being repaid based on income and my payments are {$0.00}. It has been this way for the last three months, however my credit score dropped close to 100 points stating that a payment was missed which is inaccurate. I contacted Fed loans and they sent me a link to file a complaint here to have it corrected. I am currently homeless in a shelter and in order to get housing they look at my credit score. I need this corrected as its not only me depending on my housing application being approved I have XXXX children under the age of XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
I tried to contact this collection company, in reference to XXXX, XXXX asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$1300.00} is mine. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: FL

Complaint narrative:
I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21 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: Experian Information Solutions Inc.
State: FL

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 non-monetary relief
Consumer complaint received 2019-07-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: CT

Complaint narrative:
I have recently applied and have been approved for a debt consolidation through my student loan lender, FedLoan Servicing as I was having difficulties making the minimum monthly payment of approximately {$500.00}, and had determined that the consolidation would reduce my total monthly payment. The initial call I had made to FedLoan Servicing for help with my monthly payments was on or around XX/XX/2019, at which time the gentleman I spoke with said my past due debt with FedLoan Servicing, which was only 30 days past due and totaled about {$700.00} at that time, would be put into an emergency forbearance while the application was being processed and no further payments would be required until the application review was complete. Please note that the balance owned was considered past due despite my good faith efforts to make payments in XXXX and XXXX for {$100.00} and {$400.00}, respectively, which was as much as I can afford, albeit not the {$500.00} they were looking for. However, I had to call FedLoan Servicing back 4 additional times between the initial call on XX/XX/XXXX through early XXXX as I continued to receive collection notices for the outstanding balance. Each time I spoke with a rep they apologized and stated that the outstanding amounts should have been placed into forbearance but for some reason ( that they couldn't ever explain ), that was effective XX/XX/2019. Each time they would 'correct ' the issue to retroact back to my initial call in XXXX, and within a week I would receive another notice looking for payment and go through the whole process again. The consolidation was finally approved on XX/XX/2019. However, all of the individual student loans which are included in the consolidation were erroneously adversely reported to the credit reporting agencies by FedLoan Servicing as 'adverse accounts '. Each of these loan payments have been included in my consolidation, which is current. I have included an overview of my account with FedLoan Servicing for you to review. I need to have the erroneous multiple adverse entries for FedLoan Servicing removed from my credit report as this information is not correct. How can these be considered adverse if they are showing as 'paid in full ' and part of the consolidation per my FedLoan Servicing account overview? This 'error ' has caused my credit score to drop dramatically and I need to have this corrected as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-21 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I closed my region visa credit card XX/XX/2019 I wrote and called and spoke to loss mitigation Dept because I wanted to settle the credit card. Region keep reporting to the credit bureau I am late in lieu of me trying since XX/XX/2019 to pay off and settle this account. I have in writing from them stating they need my income tax returns in order to settle. They have also put my name In XXXX system trying to prevent me from using a checking account or write checks I found out thru another establishment that knows my checking account is in good standards. I want my name removed out of the XXXX system and I also would like to settle my credit card with regions to be done with them. They are not cooperating but are reporting 4 late payments on a closed account that I am trying to pay off and settle with them. They are sabotaging my credit file and putting incorrect information in the system to make it look like I am writing bad checks. My new bank advise me to report them because I am in good standing with my checking and credit account with them. Please please help in this matter

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