vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am reopening a previous complaint with Transworld ( XXXX XXXX XXXX XXXX XXXX XXXX ). I am now seeing discrepancies between parties XXXX XXXX and Transworld.  I recently reached an agreement to pay a lump sum with said company XXXX XXXX XXXX XXXX XXXX XXXX ( Transworld ) through the XXXX XXXX as stated in their closing. They stated they saw no XXXX XXXX. I will be attaching my DD214 ( Social Security Number blackout for Confidentiality ). Also, i see on the loan it is at {$9900.00}. However, XXXX XXXX states nearly {$16000.00} the total loan has come up too. Our agreement of the lump sum payment. Where are all these extra funds coming from. Also, the transaction history starts in the year XXXX  however the disbursement date was effective XXXX. Where are the 5 lost years of information? i will also be reaching out to my mother to find documentation on her trying to talk to XXXX XXXX XXXX XXXX XXXX XXXX. I know Transworld, XXXX, and several other comapnies. Where are the other 5 years. I will also attach the previous letter as well. I need answers everything seems very very fishy. if you waited 5 years to buy this loan or missing 5 years of documentation. how is that possible? Also I am adding the transaction history of the loan to show of where it starts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I bought a mattress last year. At the time of purchase, I agreed to pay 0 % interest for 12 months. At no time did the representative explain to me that if I didn't pay the full amount in 12 months, the company would charge me the interest rate for the entire 12 months. I am on a limited budget and tried to pay the full amount. The agreement was over XX/XX/XXXX. I have never missed a payment and had a balance of {$290.00}. When I received last months bill, the bank added {$190.00} in interest charges. I called the bank twice to see if they could work with me since I am on a limited budget and did not understand that I would be charged all this interest. They refused. I feel this is unlawful. First no one properly explained this to me at the time of purchase. In all good faith, I tried to fulfill the agreement, I asked if they could forgive the interest if I paid the bill in full. My sister said she would help me. They refused. Why do you keep letting these banks charge 29.99   % interest to begin with and then charge a ridiculous amount when a balance is almost paid of? 
I am writing to Congress. These banks have to stop their unfair business practices at the expense of the elderly. I want the bank to know this is unfair and they should be willing to work with someone who has a limited income.

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 2019-11-07 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: KEYCORP
State: PA

Complaint narrative:
Key bank keeps hitting my credit profile. Ive alerted them and been ignored. 
I pay on time and it clears on time. No idea why its ruining my credit. 
Ive had issues w key bank before. And dealt w XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: WI

Complaint narrative:
I have submitted multiple disputes for collection accounts and I don't believe that any of the credit reporting agencies are performing actually investigations. Results are returned far too quickly and nothing changes. 

Secondly, I want to complain about the formulas the agencies use to calculate credit scores. Multiple times I have had a credit score decrease after paying off a loan. How can my score decrease by paying OFF debt? They all seem like scams that give lenders an excuse to charge higher interest rates on loans and lines of 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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp
State: MT

Complaint narrative:
I currently have a LENDING CLUB Loan & I have called on numerous ocasions to inform them that my loan is not being shown on my XXXX, XXXX, & XXXX Credit Report. I keep getting the run araund and I've decided not to continue trying to resolve this with XXXX anymore since it's not going anywhere, Note : I was told by LENDING CLUB that once I was approved for the loan that they REPORT to XXXX, XXXX, & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CT

Complaint narrative:
HI.I just discovered that my balance, after 14 months of payment is incorrect. 
I borow {$180000.00} as mortgage.My monthly principal is $ XXXX 14 months this is total $ XXXXDownpayment was 3.5 % =total $ XXXXIf you add $ XXXX $ XXXX= total {$10000.00}. 
If you subtract {$10000.00} from loan amount this is {$170000.00}, this should be my outstanding balance on XXXX.But my balance on XX/XX/2019 is $ XXXXThis is difference by {$4000.00}. 
I would like to ask LakeView loan servicing company, what happen to my {$4000.00} in difference. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2019 at approximately XXXX I went to the Capital One branch in XXXX, LA and attempted to make a cash payment on my wife 's credit card, which I am an authorized person, in cash for {$140.00}. The bank teller refused to accept the payment unless I provided him with my state id. I then spoke with the branch Ambassador, XXXX XXXX XXXX, who also refused to accept the cash. I advised both that the account is closed. He stated an ID is still required and then returned the cash. I provided both the teller and the ambassador the payment stub provided by Capital One. 

I then contacted Capital One credit via telephone on a recorded line and a senior account manager stated payments can be made in cash at local branches. She also stated that the payment would not be accepted without an ID to prevent fraud on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Federated Student Loan Services
State: MA

Complaint narrative:
I was in touch with XXXX XXXX because I am part of the Public Loan Forgiveness program and I was wondering why my bill was going up and come to find out that my income driven repayment plan was being submitted saying I have XXXX kids because I was using a company called Federated Student Loan Advisors who would send me only page 4 of the request every year and I'd submit my pay stub information and they'd submit it to XXXX XXXX for me. XXXX XXXX alerted me to the scam and made a note on my account and I cancelled my services with Federated Student Loan Advisors but they ask you to sign this the below email which feels kind of suspect as well. I alerted my bank as well so that they will stop any further payments and will now just submit directly with XXXX XXXX each year on my own. 

Waiver of Liability Whereas Federated Student Loan Advisors is performing financial, processing, consolidation, servicing, monitoring, annual loan re-consolidation re-filing services. 

To client mentioned no longer wishes to have these services. Client wishes to forfeit, discontinue, and cancel clients monthly fee credits and the completed all services. 

The client also hereby chooses to pick a course that causes a lot of services to stop and loan re-payments to go up monthly.

The client wishes Federated Student Loan Advisors to secure files of all client information including security pin.

Client will hold Federated Student Loan Advisors FREE from harm or liability in this client initiated action by signing below.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 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: CA

Complaint narrative:
I have sent TransUnion multiple letters with my concerns about four inaccurate accounts on my credit report. I have asked them to verify the four accounts. After doing so, I received a letter from them saying the accounts were verified, but they failed to provide any information or documentation showing how the accounts were  verified or belonged to me. I then sent them another letter asking them to provide documentation showing that they in fact did a thorough investigation of their own. They still failed to provide that information. Meanwhile, I have received a letter from XXXX stating that after their investigation, they could not verify that the accounts were mine. So they deleted them from my credit report. I have also sent TransUnion a copy of the XXXX letter and they still refused to delete the accounts. I am getting very frustrated with TransUnions lack of cooperation and inability to follow the laws set fourth by the FCRA and the Supreme Court. If this issue can not be resolved with this complaint, I will have no choice but to get the courts involved seeing as though TransUnion is breaking multiple laws. I have provided all documentation that I have sent to TransUnion down below.

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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This was a few years ago when I was a XXXX or so in the XXXX. I had fell for a loan scam where the scammer asked for my banking info to input funds. like a dummy I fell for it and who ever the guy was deposited fake checks in my account and my account ended up restricted or whatever. I called navy fed then to solve the issue, they did conduct a investigation and said I was at fault for depositing the checks. In which I DID not the scammer did. They never went into detail about anything. Im disappointed in how they treated the manner. Even though I didn't deposit the checks I figured I pay the amount of what it was, to see if I can get my account back. So I called the bank and talked with the charge off department, and the representative told me as long as I paid the amount I can open a new account in which I was really happy about, because I love navy federal. So I paid them the amount only for the security team to tell me I can't open a account, which made me upset. So I get  scammed from some XXXX on the phone ( which I take full blame for ). For a check that I guess went through ( my access was restricted so I couldn't see ) and I can't open a account/account restricted? What happened to protecting the MEMBER? Did y'all even verify my signature?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: FL

Complaint narrative:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

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 2019-11-07 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:
The problems started on XXXX XXXX with XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX. XXXX, CT XXXX made a hard inquiry on my credit report. I have never used or heard of XXXX XXXX. 

On XX/XX/XXXX XXXX/XXXX, XXXX XXXX XXXX, XXXX, GA XXXX made a hard inquiry on my credit report. I have never used or heard of this company. 

These hard inquiries have adversely affected my credit score, which I would like to have corrected.

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R & B Corporation of Virginia
State: KS

Complaint narrative:
Thank you for your recent contact dated :XX/XX/2019. 

I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
A collection agency has put derogatory information on my credit report. 

I have never had credit with this agency, how is it they are allowed to make a derogatory mark on there? 

In addition, the creditor they are representing never reported me to the bureaus when I was current, how is it they can do it now when I am behind? 

This is false and misleading. It does not give a true picture of my credit history with this company. They are using this as a tool to get paid, plain and simple. 

If the positive has never been reported, how can the negative be reported?

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 2019-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Self Lender Inc
State: CA

Complaint narrative:
This action taken by the scam company has dropped my credit by 120 points for the malfunction of their app and the non-disclosure of huge extra fees In the process of trying to make payments and the app telling me that everything was fine I was unable to update the account and the payment went through the prior account even after nearly 100 times of trying to fix it there is no readily rail above phone number to call for such problems like this in a huge. Few making it impossible for consumers to know what theyre supposed to pay

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Received initial contact by mail XX/XX/2019 from Resurgent Capital Services, L.P.

Mailed a Cease and Desist letter XX/XX/2019. 
Received second contact by mail XX/XX/2019. 
Mailed a second Cease and Desist letter XX/XX/2019 with tracking/delivery/signature information for the original Cease and Desist letter from XX/XX/2019 demonstrating that they received the previous Cease and Desist letter and to once again, cease and desist all communications with me. 
Received third correspondence by mail XX/XX/2019. 
Will be mailing another Cease and Desist letter informing them of their violation of ignoring my previous Cease and Desist letters and include the tracking info for both prior letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
Law firm charged debit card for hourly services that were completed out of malpractice. The hours billed were hours spend incorrectly filing paperwork and for many mistakes that were made by the fault of the law firm and ineffective counsel. Bank or America has started a dispute and investigation, but the time frame has gone past the 45 day window and now the bank is telling me that I will never receive the funds if the merchant does not respond. The merchant has no intention of responding and has no proof that the charge was made with my permission. I have plenty of documentation to show the missteps made by the firm and evidence to back malpractice claims. The bank will not offer a temp credit and now says that I will not receive the funds even though the merchant has not responded and the 45 day window has closed.

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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PACIFIC WESTERN BANK
State: IL

Complaint narrative:
I never got {$89.00} credit for health insurance from XX/XX/17 that was cancelled before the start date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America will not do anything. I had a XXXX credit line. I paid my bills on time. I get an email today they cutting my line down to XXXX that is not right. i called to ask and they couldnt tell me anything. i have good great credit and this is not right. i have a car loan from XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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 have unknown names and information on my credit report, The accounts that are unknown to me I will list them below, I have inaccurate employment information its keeping me from getting a job and housing. The utilization amounts are incorrect. I would like a review of this information. XXXX and XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX CLOSED )

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