vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by XXXX/XXXX and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

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 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I had a mortgage with XXXX XXXX XXXX undergoing a modification and missed a number of payments. The mortgage was purchased by nationstar/mrcooper and successfully modified. The status is currently good/pays as agreed. XXXX XXXX persists in reporting this mortgages current status as delinquent when it is not, and hasn't been for years. I have disputed this with the credit reporting agencies with no success.

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 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: Optimum Outcomes, Inc.
State: NV

Complaint narrative:
They use an automated calling system that states they are calling to collect a debt, and use my full name. The message then says if you are not this person please hang up and do not listen to the message. They repeat my name. Where is the privacy? They also called me at XXXX on a SATURDAY. My name alone should be the biggest indicator that I am or could be XXXX and it's the XXXX. If they are truly calling for me, for a debt I owe, than regardless of my phone number, they should know I live on the west coast.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
did not authorize this charge sent all hacking info to all creditors and banks

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: CITIBANK, N.A.
State: TX

Complaint narrative:
I was late ONE TIME, by ONE DAY, and Citi has increased my interest rate from 14.49 to 29.99!! ONE DAY LATE! When I called in, they indicated that they wouldn't do a thing for me for six months. This is UNACCEPTABLE! This kind of financial terrorism should not be allowed by Banks. It's completely unreasonable and I want this adjusted back, immediately.

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 2018-06-09 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: IL

Complaint narrative:
I was told that I could get a free copy of my credit report every year, but TransUnion refuses to give me one. 

I noticed fraud on my XXXX and XXXX credit reports, so I called the loan company and the police. The police asked me to bring all three credit reports when filing a police report. I also wanted to see if the fraud was shown on my TransUnion credit report. When I tried to view my free TransUnion credit report, I was unable to do so. Instead, I was directed to a website that charged me {$20.00} for " credit monitoring '' ( not what I am complaining about ). I was on the phone with Trans Union until my cell phone battery died, but I was still unable to get my free credit report. I was told  that it would be 37-100 days ( at a minimum ) until the credit report would be available. 

I will also be asking the local law enforcement to contact TransUnion directly to see if they can get the information that I was denied.

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 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I am current client of XXXX cable and internet services. I pay my bill monthly, but they sent me a collection notice for {$360.00} to CREDIT MANAGEMENT LP. I can't get a straight answer from anyone I speak with. Customer service isn't proficient enough to handle my requests to have this removed. They say there was a change in plan ( without my authorization ) thus creating a termination fee resulting in the {$360.00} now due to the above-mentioned collection agency. I would like this to be removed from my credit report along with the balance due.

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 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
SW Credit System or Southwest Credit or XXXX XXXX or XXXX XXXX or Southwest Credit Systems or XXXXXXXX XXXX Or whoever they are calling themselves today. Has placed an item on my credit reports showing XXXX as original creditor with an open date of XX/XX/2017 in amount of {$300.00} I have no idea who this company is nor have I ever had any business relationship with them. I do recognize XXXX but most certainly did not have service with them a year ago. A quick search turns up many complaints and statements such as " One of Southwests favorite collection tactics is to furnish negative information on the alleged debtors consumer credit report. '' Apparently whether they actually have the debt or not. The debt is not mine has been plced by mistake or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: 77 Elite
State: IL

Complaint narrative:
I called a student loan company that said they would help me stop garnishment of my paycheck for student loans. I was told to make a upfront fee to them. I paid over {$1500.00} to this company as stated in my bank statement it shows XXXX in Florida for the amounts of {$280.00} and there are six payments made to this company. As you can see this company is the same as 77 Elite it is the same address and location. 77 Elite stated I never made any payments and that is a complete lie because as you can see they are in the same address. I think this might be a scam and they just changed names. I have for the past year sent all documents requested but yet this company has not helped stop my garnishment like they said they would. This company has done nothing but constantly say they are working on it and need more documents. How much do you need. They were quick to take my money but have done nothing to help me. They are a scam.

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 2018-06-09 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: OH

Complaint narrative:
Public Service Loan Forgiveness. I have been dealing with these people for a year. First I submitted all required forms in XX/XX/XXXX/XX/XX/XXXX. I should have been forgiven as of XX/XX/XXXX. They had me submit employment cert form at least 3 times which I did. They told me not to make further payments in XX/XX/XXXX because my app was on " appeal ''. I missed XX/XX/XXXX at their instruction. Later I was told that that information was erroneous.I timely paid XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX I was told to make 1 payment for XX/XX/XXXX and re-cert my employment. I re-certified my employment and called to make a payment. I was assured that it would be credited to XX/XX/XXXX. It was not. I have been told many contradictory things. I was told that the prior servicer informed them that I was in forebearance from XX/XX/XXXX-XX/XX/XXXX. That is not true. I uploaded bank statements and activity which show my student loan was being directly paid from my bank account during that time. I have requested a copy of my files ( FOIA ) and received nothing. I have received no word except that my loan, which was supposed to be forgiven in XX/XX/XXXX has now been reported delinquent to credit companies.I am still receiving bills for money that I do not, by law, owe. Because of this, my credit score went from XXXX to XXXX. I have been refused home improvement loans for a new roof. I did get one loan for a roof for which I have to pay exorbitant interest. I have complained via phone and email have have heard absolutely nothing. The government has completely ruined me and has not been following the law. I have been paying student loans on IBR at least since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
There is a discrepancy with the fees that are charged for mobile check deposits by Regions Bank. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$16.00}. On XX/XX/XXXX I deposited a check for {$400.00} ( requested immediate availability ) and was charged {$5.00}. On XX/XX/XXXX I deposited a check for {$550.00} ( requested immediate availability ) and was charged {$5.00}. 

Regions Mobile App reads " Available immediately - 1-4 % of the amount of each check, depending on check type and amount ( {$5.00} minimum fee applies ). 

The check type **PAYROLL qualifies for the 1 % Fee or {$5.00} ( whichever is greater ). For the past 32 months ( approximately ) I have deposited the same payroll check into my bank account weekly and have been assessed charges from {$12.00} - {$18.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I have no knowledge of these accounts and need to have them removed from my credit report. I am just starting to clean up my credit and I realized that there were accounts that are not even mine. I have filed complaints with XXXX  but have not been able to do the same with XXXX. Their site is garbage. I really need help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Credit Network Inc
State: CA

Complaint narrative:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX  as their site is garbage.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau of San Luis Obispo & Santa Barbara Counties
State: CA

Complaint narrative:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX but have not been able to do so with XXXX as their site is garbage.

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 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX  but have not been able to do so with XXXX  as their site is garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc.
State: CA

Complaint narrative:
I have no knowledge of this account and it needs to be removed from my credit report. I have filed a complaint with XXXX  but have not been able to do so with XXXX  as their site is garbage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
Debt Collector is a third party asset buyer. They are not the real party in interest to this debt. I did not receive and benefit from this debt collector involving this debt. I do not a contract with this debt collector to collect this debt. I do not have a duty to pay this debt collector for this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
**I have attached this complaint in .pdf format that is easier to read. ** Below is my account history since XX/XX/XXXX ( my account had a {$0.00} balance at that time ) : {$25.00} Pmt due XX/XX/XXXX Paid {$25.00} XX/XX/XXXX {$25.00} Pmt due XX/XX/XXXX Paid {$20.00} 03/30/18 Paid {$20.00} XX/XX/XXXX Charged {$25.00} late fee even though more than the minimum payment was made ( total {$40.00} ) {$27.00} Pmt due XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Paid {$20.00} XX/XX/XXXX Charged {$27.00} late fee even though more than the minimum payment was made ( total {$40.00} ) I called and spoke to XXXX, Account Manager, and she agreed to remove the late fee of {$27.00}, but refused to remove the prior late fee of {$25.00}. She explained that because I made my payment prior to the billing cycle the payments were not getting applied to the next payment. I have paid more than the minimum payment each month and should NOT be charged late fees. Please remove the {$25.00} fee charged on XX/XX/XXXX. 

I have a promotional balance that I am making payments on every two weeks to ensure that it is paid off by the end of the promotional period. XXXX XXXX XXXX XXXX is charging me late fees unfairly and I want this 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 monetary relief
Consumer complaint received 2018-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
About 7 or 8 months ago, I placed a temporary freeze on my credit report with Equifax. Three or four months ago, I attempted to have it lifted. They said I needed a10-digit PIN. I have asked repeatedly to have it sent to me, and they have not responded. Two weeks ago, I received a letter from Equifax dated XX/XX/XXXX in which they said they had permanently removed the security freeze. Today, I received TWO more letters from Equifax, both dated XX/XX/XXXX, in which they said they had placed a security freeze ( again ) on my credit file. It is impossible to reach this outfit by telephone and it is clear they do not respond to written letters. How in the world can I get them to remove a credit freeze that I no longer want? I have attached both the XX/XX/XXXX letter ( freeze removed ) and XX/XX/XXXX letter ( freeze placed ). HELP, PLEASE!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is still reporting a old debt that doesnt belong on my credit report. This is too old to be filed and needs to be removed. This dates back to 2009 and needs to be cleared ASAP Additionally the Wells Fargo Account is being posted twice on all my credit reports when it is only one account

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 2018-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I did not receive anything from this company about any debt owed but they are showing on my credit report without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09 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: WV

Complaint narrative:
There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill

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 2018-06-09 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: WV

Complaint narrative:
There is a bunch of hard inquiries that are fraudulent and after going through them only 2-3 are actually legitimately from me. Also in collections many of those accounts were placed on there by ex spouses and I should only have like 2 collections accounts be open and one of them was a medical bill

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 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MO

Complaint narrative:
Tried to deposit checks with cash back. Paychecks were to my roommate. He endorsed them over to me. Manager XXXX would not allow us to deposit, even though we were both present with ids. Been depositing these check for two years and he claims the bank doesnt allow checks to be endorsed to others. Extremely rude.

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 2018-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion will not respond to my dispute. I have been in contact with XXXX to remove these or provide validation that they do indeed belong to me. By showing a copy of a sign d contract. When I sent in a dispute for these things transunion sent me a copy of my credit report. Not even acknowledging that they will indeed open the dispute. When i call the representative does not see an open dispute. I do not think they have opened any of the disputes that I have placed. They just keep putting account verified. But they will not respond to any of my correspondence. 

My first dispute was on XX/XX/2017. I sent it certified mail and I got the letter notarized. They just said verified. I sent in another letter stating that the accounts were not validated. They said nothing. I sent in another letter and they sent me a credit report. I sent in a fax and have heard nothing.

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 2018-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
First of all I went to open and account and they told me that is was some check got deposited in my account which I had no idea that check was in my account cause I dont use check at all and they told me it was fraudulent on my account so then they told me to get and touch with yall my information have got stolen that why I have identity on my record so could you please help me

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 2018-06-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l.
State: NE

Complaint narrative:
A man with an XXXX ( country of XXXX ) accent called and asked for a name I do not know. When I finally was able to get him to tell me what he was trying to do, it became clear that he was trying to pressure me into paying someone else 's debt. He said I was this other person 's contact to pay it. He was lying and should be sent to prison for this tactic.

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