vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
In XX/XX/XXXX, M & T Bank assumed the responsibility of a mortgage loan I had with XXXX. The effective date of the transfer was XX/XX/XXXX. In my 10-plus years as a homeowner, I have made on-time monthly mortgage payments. 

Although the due date is the XXXX of every month, I typically pay within the 15-day grace period for mortgage loans. Thus, no late fees are incurred. 

However, since the transfer, M & T Bank has made recurring calls asking when payment is going to be made ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. ). The representative begins my asking to confirm personal information ( last four SSN ). This practice would seem suspicious. 

During the most recent exchange with an operator ( XX/XX/XXXX ), he asked when payment would be made. My reply : The same time frame as the previous month. Later, I wondered if the bank could see a record of my last payment. The representative said no since it was made online. Subsequently, he noted my response in my account. 

However, to my dismay, I received a phone call seven days later ( XX/XX/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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: GA

Complaint narrative:
That account is fraudulent! XXXX XXXX XXXX is attacking me with vengeance, and revenge against me for threatening to file a complaint and letting other consumers know about their duplicitous business practice. This is unacceptable and unenforceable, and this is an unscrupulous attempt by XXXX XXXX XXXX against me. They are disturbed at me. They are only worrying about saving their brand, and not helping the consumer. My Social Security number, birth date, address, driver 's license information is in the hands of criminals, or by XXXX XXXX XXXX employees, this must be an inside job. This is precisely the category of data criminals can use to mimic victims to banks, credit card companies, insurance companies, and other businesses defenseless to deception.

XXXX XXXX XXXX retaliated against me for saying I will file a complaint against them through the  C.F.P.B. This retribution came instant within days after I mention it. As a Veteran who fought for his country, and a Gold Star Family Member. They dont care who they XXXX over to save their brand. I learned this the hard way after they were XXXX on destroying my credit so I can not get my V. A. loan They are creating havoc in my life. XXXX XXXX XXXX has a strong dislike toward Veterans. They are strongly aware that nothing will happen to them since they believe they are too big to fail. Sen. XXXX, please prove them wrong. Please help this Veteran   and this Gold Star Family member. Please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: SIMM Associates, Inc.
State: MO

Complaint narrative:
I live in Missouri. XXXX XXXX XXXX have contacted me, they know my phone number and address and XXXX XXXX XXXX recently contacted an ex-brother-in-law living in Florida. He knew it was a debt collector and reported that the lady, XXXX, was rude. She also contacted the ex-brother-in-law on his cell phone, so I have no idea how she got that number. I have spoken with XXXX XXXX XXXX, they have contacted me while I am working and I have told them I would call them back when I wasn't at work. As I said, they have contact information for me so there is no reason they should be looking up possible relatives, or random people with the same last name as me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
They are reporting a bankruptcy on my credit of XX/XX/2014 that does not belong to me and belongs to someone with a similar name as me. They are also reporting inaccurate telephone numbers and saying they verified with the person who gave them the information when the courts are the only ones who can verify this information as they have them down as the fernisher that reported the information. I have asked for documentation and names of the person who verified the information as it is the law that they provide that to me after saying they have verified the information. They are reporting a telephone number of XXXX which does not belong to the XXXX XXXX bankruptcy court and is not in service. I went to the court about the information being reported incorrectly and they informed me that this belongs to someone that lives on XXXX XXXX in XXXX mi and I have lived at my address for 14 years now. I also received a letter from them stating that they do not give information to third parties or credit bureaus and they do not update information either. I also filed a police report and I gave them both and they still are saying they have verified the information and that its mines but its not. Please help

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 2018-04-13 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I own a small trucking company. One of my trucks needed a repair. I hired a mechanic to do the repair on XX/XX/XXXX. He told us he installed new batteries and a new starter on the truck. The mechanic stated his work was guaranteed and I paid him with my TD Bank XXXX credit card {$2300.00} for this repair. When my driver went to start the truck for work the next day, the truck did not work/start again. We tried calling/texting mechanic to let him know the truck was not working even though the previous day he said he fixed the truck. I have the texts and phone records showing we were reaching out to the mechanic with no response from him. I had to hire another mechanic to fix truck again and found out the parts put in my truck by the first mechanic were wrong. I filed a dispute on XX/XX/XXXX for the above transaction with my TD Bank XXXX credit card. Even though I paid the first mechanic {$2300.00}, my dispute amount was for only {$1300.00} because that amount is for the wrong parts. The credit card company requested proof of records and a second estimate for work done on truck. I overnighted a package on XX/XX/XXXX to the credit card company. Within a day or two that is when the dispute department requested a second estimate. The dispute department stated I had only until XX/XX/XXXX to submit the second estimate documentation. So I faxed the second estimate on XX/XX/XXXX which was the same date the dispute department received my overnight package. When I called to followup on Tuesday, XX/XX/XXXX the dispute department stated they never received second estimate needed for dispute, even though I had a fax confirmation transmission stating the fax was sent. So I sent fax again onXX/XX/XXXX ( which was the deadline for this documentation ) and received fax confirmation sheet stating the fax was sent. TD Bank XXXX credit card stated they never received second estimate in time and they closed my dispute. So even though I did everything they requested in the time they wanted because of the failure on their end with not receiving fax ( even though I have proof ), my company lost when I should be protected by the " XXXX '' logo.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
XXXX XXXX XXXX PORTFOLIO RECOVERY, I HAVE BEEN HARRESSED BY THIS PORTFOLIO RECOVERY SINCE XXXX-XXXX WEEKLY THEY SEND OUT MAILINGS DEMANDING XXXX DOLLARS FOR XXXX XXXX THAT WENT OUT OF BUSINESS. THE SAME GIRL USING DIFFERENT NAMES CALLS AND DEMANDS PAYMENT. THIS WAS DISCHARGED IN BANKRUPTCY, MY ATTORNEY XXXX XXXX HAD CALLED AND NOTIFIED THEM CONSTANT. TO NO AVAIL, I AM CONSTANTLY HARRESSED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On my job for employment is wrong. The company they have for my current employment I haven't work there in 13 yrs. Iam currently employed by XXXX XXXX where I've been since XX/XX/2008.

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 2018-04-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I attempted to get a personal loan through an online lender called XXXX XXXX. The lender told me I was approved for XXXX and that they would deposit the funds into my bank account and that they needed my verbal password I provided them with the password and they stated that they were going to put a portion of the funds into my amount and that I had the return it in order to get the full amount of the loan. In actuality they called my bank impersonating me and requested credits on my account in the amount of XXXX. When I started to discover this I contacted the banks to stop the credits and was told I would not be liable. And later I contacted Bank of Americas fraud team and they informed me because the verbal password was given I was responsible for paying but the credits they were reversed. Since that time my son s SSI which he receives from his fathers XXXX was taken twice to cover the debt. And we lost our apartment because we use they additional income to help cover our bills. We had to sleep in our car and stay in motels and homeless shelter do to this. This has been devastating for me and my children and now my bank account has been force closed I filed a police and nothing has happened.

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 2018-04-13 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: AR

Complaint narrative:
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.

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 2018-04-13 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 — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On approximately five occasion I have opened up billing disputes with Amex regarding a {$110.00} charge that was mistakenly applied to my account. The charge originates from XXXX and XXXX XXXX XXXX. I did not make the reservation. I did not stay at the hotel. I should not have been billed. Amex refuses to refund my money without explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
This is in reply to Company 's Response for Complaint # IDXXXX. At the time I responded to the company 's answer, I didn't notice the discrepancy in payment. I was told by the company that in order to pay off the car, I needed to send {$16000.00}. This was sent to them on XX/XX/XXXX -- a week before the end of the lease. According to the company 's response, quoted below, I was only required to pay {$15000.00}. The company owes me the difference - {$450.00}. 



>> '' Thank you for bringing your concerns to our attention. Our records reflect that on XX/XX/XXXX, you executed a 36-month lease for a XXXX XXXX. The lease discloses the agreed upon value of the vehicle at lease inception XXXX {$31000.00} XXXX as well as the residual ( or price to purchase the vehicle ) ( {$15000.00} XXXX at lease end. We confirmed that beginning on XX/XX/XXXX, we provided you payoff quotes and payoff instructions on multiple occasions via our website and Integrated Voice Recognition ( IVR ) system. " <<

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/2018 I disputed incorrect information from XXXX XXXX on my early warning services report. I disputed that the account is reporting incorrectly and to please the delete the account from my record. I also asked for method of verification of how it was verified. The company verified the bank details as accurate and complete when I know I never handled the account in such a manner. They also never sent the method of verification. Now I still have items on my report that are not correct and I really need them removed. This is stopping me from opening a new business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
My loan was sold from XXXX XXXX XXXX to Carrington Mortgage. Carrington Mortgage raised my mortgage by XXXX dollars per month for escrow. The escrow balance is positive and they would have had a 1/6 cushion as allowed by law. The property taxes are XXXX dollars and the home owners insurance XXXX. So the escrow total is about XXXX. Carrington is now charging me XXXX per month for escort, which comes out to XXXX per year. This is nearly one hundred percent of what is allowed by law. I tried to work with Carrington to resolve the issue but they did not work with me. Name of mortgagor is XXXX XXXX and the loan number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Credit Adjustments Inc
State: MD

Complaint narrative:
I have submitted the Loan Rehabilitation : Income and Expense Information Document to Credit Adjustments , Inc. 5 TIMES via fax beginning XX/XX/2018. Each time I submit there was an excuse on their end to may paperwork ( didnt receive it, wrong document, spouse info should be on there, spouse info shouldnt be on there, the fax came through too faint ). Failed correspondence is why I am in default and now on the verge of garnishment Credit Adjustments , Inc. are playing games with my paperwork!!!!!! I have dealt with at least 5 different representatives including XXXX, XXXX and some guy named XXXX, I believe. 

I had no issues getting my rehab setup on my XXXX XXXX XXXX debt and that bill is for more than the Department of Education debt Credit Adjustments , Inc. is servicing! Why is that??? I believe Credit Adjustments, Inc. is trying to sabotage me and get my pay check garnished.

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 2018-04-13 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On numerous occasions I have submitted billing disputes regarding a {$250.00} hotel charge in XXXX. The hotel was moldy and unclean. The pool was dangerous and unsupervised - a girl nearly drowned resulting in pool closure during most of our stay - and the staff incompetent. We complained fastidiously and were assured by the XXXX that the room would be refunded. Nevertheless, no refund took place. I raised numerous disputes with Amex to no avail. They refuse to issue a refund without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 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: AR

Complaint narrative:
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX  XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX  XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: TMX Finance LLC
State: AL

Complaint narrative:
I originally had a title loan with XXXX XXXX of XXXX, AL in XX/XX/XXXX. On XX/XX/XXXX, when I made my payment to the store where I originally received the loan, I was told the next month my payment would be due at a different location, XXXX. When I started getting calls, I did not recognize the number and out of 7-10 received between XX/XX/XXXX and XX/XX/XXXX, I was left two messages that simply said " XXXX, please give me a call at XXXX '' with no other identifying information. On XX/XX/XXXX, I called the number back at XXXX, found out who it was, explained that I was leaving to go out of town, that I would be back on XX/XX/XXXX and I would be in as soon as I returned home. On, XX/XX/XXXX, my mother called me to tell me the title place was looking for me, I needed to call them, etc.. I called XXXX again at XXXX, explained I was still out of town, I had already made a payment arrangement, etc. I offered to make the payment while on the phone with my credit card and was told they could only take debit card payments over the phone. On XX/XX/XXXX, I received another phone call around XXXX, again I explained that I was out of town, that I had already spoken to two other people, and ask that they have their manager call me. On XX/XX/XXXX, at XXXX, the store manager XXXX called to tell me I was getting repeated calls because my account was late, her employees weren't authorized to make payment arrangements after an account was 5 days late, she didn't know who I spoke with because their were no notes on my account, I gave her the dates and times of when I had spoken to someone, and she said ( quote ), " okay, well there's no notes on your account so I don't know who you talked to but they can't make payment arrangements over the phone after your account is five days late. '' She proceeded to tell me that she didn't know how XXXX operated but her store didn't work that way, I needed to come in to make sure I understood how they operated, and again, I offered to make the payment over the phone, and she told me she didn't do phone payments at all, but to make sure I didn't break my payment arrangement. I have proof of dates and times when I spoke with their employees and first, they continue to call five times after my initial arrangemnt, they call my reference after my initial arrangement, and the manager basically calls me a liar when I tell who I spoke with and when.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CO

Complaint narrative:
My brother XXXX XXXX has been stealing my identity for over 10 years. He has used my identity to receive medical services and anytime he was arrested. This has caused a great amount of stress, as each time it has happened I have to file a police report, take time off of work to go to court to prove that it was not me that committed a crime and having to call each debt collector to fix these issues. 

XXXX received services from XXXX XXXX using my name and SSN and I got a collection letter 3 years later for this. I have called Argon to explain this and mailed a letter to them with my filed and they have yet to provide me with the medical bill or any further proof that it was indeed 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 2018-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
I received a call from a person claiming to be from XXXX XXXX. This person confirmed they were calling about debt, but refused to identify the debt. I have a right to know what they are calling about. The person hung up when I called back, she kept hanging up on me. She was told to never call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX keeps taking money from my bank without my permission. I asked them multiple times to remove my bank account information from their website and even removed recurring payments. When I logged in today XX/XX/2018 I saw that recurring payments were turned off and my bank information was not there so how have they been able to take money from my bank without my permission for the past 4 months?!! There were no legal order for them to do so and i expressed clearly that I am having financial difficult now because of this. I want to know my rights and what legal actions I can take against XXXX because this is absolutely ridiculous. I would like legal advice immediately.

Company response to consumer: Closed with explanation