vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-20 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: CA

Complaint narrative:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

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 2019-03-20 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20 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: CA

Complaint narrative:
I am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
XXXX XXXX XXXX, I have requested from you and your alleged furnisher XXXX XXXX XXXX for documentation Proof of service my wet ink signature and you nor XXXX have furnished those documents I have asked for. a notice of fault is now presented to you, ten days to answer { AL } L the enclosed question, Not hearsay or copies actual documents my signature of service and the information of your company that I requested. The Hippa Violation need to be addressed also

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 2019-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX of America ( Chase Bank ) Auto Loan Account : REFUSAL TO REFUND EXCESS ACH PAYMENT On XX/XX/XXXX the final payment of {$560.00} for this loan was credited for a XXXX balance. Title has been released too. The money was taken from our checking on XX/XX/XXXX. On XX/XX/XXXX, 2 more payments were taken by Chase from our checking each for {$560.00} and only one was reversed that day, so we are still out {$560.00}. I have been trying since XX/XX/XXXX to get someone at Chase.com or the call center to act, resolve and refund. 

The standard answer is someone is reviewing and well get back to you. Its now almost 4 weeks since the error was made and many days since I was promised resolution and refund. Yet nothing from anyone Chase except a bunch of emails saying were sorry and a Chase email said dont write anymore -- we are not going to respond! 

Contacting to the call center is equally pointless. I made several calls : on XX/XX/XXXX XXXX, on XX/XX/XXXX XXXX, and on XXXX XXXX promised refund on XXXX. On XXXX XXXX XXXX XXXX ext XXXX called and she said it is being elevated and I should check Secure Message for updates. On XXXX the date XXXX told me I was getting the refund I called and XXXX said its still open and elevated but no refund. 

On XX/XX/XXXX I again checked with XXXX XXXX and was told again " Payment services is working on it, there were systems errors and they can't refund until resolved. '' Chase suggested it was my banks error but since the transactions originated at Chase.com how is that possible? I have checked with my bank and was told nothing pending from Chase. 

I mailed a written letter to Chase Auto loans with documentation on XX/XX/XXXX and again no one has called, emailed or responded Calls/emails to XXXX of America get pushed back to Chase auto loan. Calls/emails to the local XXXX dealer ( XXXX XXXX ) where it bought it are ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 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: AZ

Complaint narrative:
Experian failed to resolve dispute with XXXX XXXX XXXX they only have 3 reasons and three codes and none of these reasons fit they just picked one of the three and did not work because none of the three fit my situation. They did not file the dispute for the reason that I ask. They need to add more reasons. I have mailed Experian documentation supporting my dispute and they have not responded.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: VA

Complaint narrative:
Predatory lending : unfair, deceptive, or fraudulent lending practices, which imposes unlawful and abusive loan. 
Unlawfully foreclosure while on bankruptcy XXXX. Disallowing the property owners to get refinancing or lower the interest rate and mortgage payment after repeated request to Leander.

Adjustable rate mortgages, 8.0 % ( highest interest mortgages ), and balloon payment loans. Other predatory tactics include charging excessive and/or hidden fees in the amount financed,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: NH

Complaint narrative:
To whom it may concern, We sold XXXX XXXX XXXX XXXX ) and purchased a home ( XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2019. 
We were advised to not make a mortgage payment because it would cause the payoff amount to be incorrect. I have attached the closing documents for both homes showing that they were both completed on XX/XX/2019 and the loan ( XXXX ) was paid in full on this day. With that being said the loan was paid in full before XX/XX/XXXX and it was not 30 days late.

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 2019-03-20 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: Account Control Technology, Inc.
State: OH

Complaint narrative:
A company called Account Control Technology , Inc ( XXXX ) has been calling family members, acquaintances and friends saying they have " time sensitive information '' and must reach me right away. They are calling the children of family members as well. In many cases they are calling these family members at work. Yesterday they called my cousin at work and listed off by name every member of our family and said they would continue to call until they reached me. My contact information has not changed in 19 years. This is not a strategy to reach me directly this is merely a tactic to attempt to cause embarrassment and work related issues.

They refuse to give the name of the company. We found the name of the company by reversing the phone number. Many of these calls have been recorded because they are on work lines.

My attorney advised me to submit this complaint prior to taking any additional action.

This company DOES NOT have my permission to contact any family member, friend, or acquaintance by either phone, direct mail or electronic communication. Any additional attempts will result in legal action.

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 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Radius Global Solutions LLC
State: OH

Complaint narrative:
I would like all communication ceased on this account. I have retained counsel and will be filing bankruptcy. Cease and Desist.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I would like all communication ceased on this account. I have retained counsel and will be filing bankruptcy. Cease and Desist.

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 2019-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Bond And Collection Associates, Inc.
State: PA

Complaint narrative:
Debt Collector called my personal cellphone in violation of the Telephone Consumer Protection Act. The debt is not mine, but for another with a similar name. SSN does not match. I never gave permission to the Debt Collector or to the underlying creditor to contact me on my cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
In the past few months I have made many attempts to correct incorrect credit information. In XXXX, I decreased my credit card debt, removed 2 accounts that weren't mine and disputed another. The company that I disputed with updated the information as correct, however, TransUnion added the account as a new account, causing my score to drop XXXX points. This is per a representative at TransUnion. I called them again and have since noticed the account removed but they did not increase my score to where it was originally before they put the account on. I would like my XXXX points back. They are refusing to add them back.

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 2019-03-20 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: ACS Education Services
State: MA

Complaint narrative:
I am filing a formal complaint against a previous loan servicer, Conduent Education ( formerly ACS ), a company that acquired my Federal student loan in the late XXXX 's, early XXXX 's from XXXX XXXX ( I believe ). During my borrowing period, I feel I was subjected to ACS ' arbitrary and rampant fees, predatory lending practices and massive interest rate hikes. I had to defer my loan on a few occasions as I could not afford payments at the time. I continue to struggle today, as I've been repaying my school loans for 10+ years, and have another 19 years to go, as I've refinanced my loan to another servicer that is reputable. I also know that ACS was involved in several lawsuits due to bad lending practices, during the time I was a borrower of their services. I am living pay check to paycheck as my loan repayment has reached {$560.00} per month, trying to support a family of 5 along the way. I've tried to acquire my loan payment history with Conduent ( formerly ACS ), but I am experiencing tremendous road blocks as they won't publish a direct customer care phone number on the web, nor will the online account system recognize my registered account username or password. I am really tired and frustrated of their business practices.

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 2019-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
I have an issue with my current mortgage company, Ditech. 

We were one of the folks impacted by the XX/XX/XXXX Flood here in XXXX XXXX. We did and still have Insurance with XXXX through XXXX XXXX. 
We processed the Checks from XXXX and the money is being held by Ditech. They have been very slow in releasing the disbursements to me in which to restore my house. 

I found out Monday ( XXXX ) that Ditech maybe selling my mortgage to another Company, XXXX. 
My fears are confirmed, I have received Notice from Ditech on XX/XX/XXXX. 
It would appear there are many lawsuits against this company for the same issues I'm currently having with Ditech. I do not Trust Ditech!!!! 

I really feel like I've been taken advantage of by these loan company practices, and at XXXX years of age I feel like I should not have any issues with getting my money to restore my house! 

I've been an employee of XXXX for over 40 yrs. 

What I would like is some direction on how to proceed with getting my Insurance Claim Money so I may finish restoring my house. 

I am also fearful that my Insurance Money that is being Held by Ditech will get LOST in the Transfer to XXXX, or worse, that Ditect Maybe trying to Keep My Insurance Money. 
I have Tried Contacting Ditect Many times since the XX/XX/XXXX Flood. They will not Email me any information, all I have received from them are Form letters asking for the same thing over and over again, For Example : A Form to verify my address! Makes no sense to me since I have given them that form already! 
The Forms they send to me are at my Address, which they are asking me to provide to them! 

I would be happy to send any pictures of my house during the renovation or if anyone from any office or agency would like to come and inspect and take pictures, that would be welcomed. 

Respectfully, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have contacted XXXX to ask if this company can provide a valid document with my signature of consent to a unauthorized inquiry and unfortunately this company can not produce any such documents to prove their previous statements are factually sound. 

Their has been no application for credit with my name signed on it or any request for credit, employment, insurance, or any sort of financial assistance I consented to which is required to apply a inquiry on a consumer report. 

The documents presented on the CFPB  website is useless if this is their means of explaining their permissible purpose because unfortunately even with a purpose XXXX can not show one form of consent in writing or Electronically giving. 

I ask that this inquiry is immediately removed if XXXX can not provide the proper documentation/ and if they do not have it then XXXX need to ask the companies they sited in their reply for a copy to be once again factually sound. 

Or I will be force to sue XXXX for current inquiries and past inquiry violations they also can not show proof of. 

{$1000.00} per inquiry past and present.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Purchase a 1 year Service contract with a merchant in XX/XX/XXXX. Contract ends in XXXX, and merchant locks my account and disable me to get access to the service that I purchased. Submitted evidence to Chase to reopen my dispute. Yet, Chase ignore all the evidence that I submitted while provides NO EXPLANATION or FEEDBACK! They just closed my dispute case without any communication!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
Rating decision from the Veterans Administration dated XX/XX/XXXX showing that I was granted XXXX and XXXX disabled on XX/XX/XXXX. However between the 2 periods stated above I had a XXXX Loan coming due for my Parent Plus Loan for XXXX XXXX for XXXX College in ( VA ) and XXXX College in ( XXXX VA ). Keep in mind when I refinanced the XXXX Loan with XXXX XXXX  I had no idea that I was being found XXXX and XXXX Disabled. One I found out I went to XXXX and asked for a discharge of the loan bases on the XXXX  and XXXX decision. They told me that they would put me on a year forbearance while looking into the matter. Well not only did they charge me over {$4000.00} in interest, but they said I was denied due to my income which they never asked me for until after the year of forbearance, so they could had saved me money right off the bat with asking for income info! And they said that I am not XXXX. Well they do not know of any of my XXXX that are XXXX me at times and will continue to worsen the older I get. I am being penalized for not seeing in the past and that I would be awarded the Permanent and Total decision. I would had never refinanced with XXXX if I knew what XXXX would do for discharging the loans. This loan repayment will be a hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a promotional email from TD Bank offering a Savings account with 2.5 % interest rate guaranteed for 12 months if I open it online and deposit {$20000.00} or more before XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter from TD bank confirming 2.5 % rate. 
On XX/XX/XXXX, I received an email from TD bank confirming the rate of 2.5 %. 
I opened an account online and deposited more then {$20000.00} in XX/XX/XXXX. 
One of the other conditions was to link a checking account to my account which I did and to make at least 3 transactions per month which I did by transferring money from my checking account to my savings account. 
To my surprise, TD Bank only paid me 1.49 % for the month of XX/XX/XXXX and 1.49 % for the month of XX/XX/XXXX. 
I called TD Bank on XX/XX/XXXX at XXXX XXXX and spoke to XXXX. She looked into the account and informed me that I met all requirements and she was going to request to change the rate to 2.5 % and it will take 3 to 5 days. I requested that I am paid interest retroactively since I met all the requirements and she told me that she will put in a request. 
Today, XX/XX/XXXX, I checked my account through my app and it still shows 1.49 % interest rate. TD Bank did not credit me back for the interest owed. 
I put in a call to TD Bank on XX/XX/XXXX at XXXX XXXX  and spoke to another representative and she informed me that I won't be getting interest paid retroactively. 
This is bait and switch and I am appalled by this actions from TD bank. I demand that they pay me interest as advertised from day 1.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
XXXX Her name is XXXX XXXX and she hacked my account and sent herself XXXX. She is a fraud and I would like my refund! She even said it was for XXXX tickets and used my military husbands card!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have established an in-bound Credit ACH from PNC 's home banking platform. 
PNC sends the request via ACH to XXXX XXXX for a Debit of {$1700.00}. 
XXXX debits my checking account onXX/XX/2019. 
PNC does NOT reflect the deposit on XX/XX/XXXX nor XX/XX/XXXX, it is reflect on the third day as PENDING ( funds not available ), and will reflect the deposit on XX/XX/XXXX as available. 

If I were to make this local deposit ( Both Banks in the same Fed District ) at an ATM or Teller, the funds would be available overnight. If I use mobile deposit, the funds are available overnight. 

The external monthly reoccurring platform parameters/software/third party provider is preventing consumers access to their funds, potentially creating overdraft situations. 

While PNC states that external transfers could take 3-4 days (???!! ) to post, it is not consistent with their funds availability on other platforms ( ATM, Teller, or Mobile ). 

This is a problem.

Company response to consumer: Closed with explanation