vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: TX

Complaint narrative:
I was hit by a collection agency without any written notification of what it was in reference to. The Collection Bureau Hudson Valley is not a good corporate citizen and is trying to shake down Americans who owe nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-03 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: WI

Complaint narrative:
on XXXX XXXX 2017 I went online with Equifax and put a credit freeze on my credit file using their credit freeze page.
Part of the process was the printing of a PDF with the PIN number required to lift a credit freeze.
I am having two problems with this process : 1 ) The lifting of a credit freeze is an all-or-nothing process with Equifax. The other two credit bureaus allow for lenders to access a frozen file using a PIN that is provided by the credit bureau. Equifax only provides you the ability to lift or freeze the file ; the whole purpose of freezing the file is to help ensure that fraudulent accounts are not opened in the name of the person in the credit file using information that the credit bureaus have gathered - without my consent.
2 ) Part of the process of creating a credit freeze is the provision to print to a PDF the provided pin number to access the credit freeze and also to login to the Equifax system. Unfortunately - and I did not notice this at the time - the page with the pin number printed as a blank page in my XXXX XXXX system. Therefore the pin was lost - I relied on the printing of this file to capture the pin information instead of writing it down or having it emailed to me ( do not recall if emailing the PIN was provided as an option or not ).
Note, I was using XXXX XXXX browser to do this.
3 ) Once the pin is lost, Equifax does not provide an alternative method to allow the person whose file is frozen to contact Equifax to fix the problem. The issuance of the pin is a circular process ; to contact Equifax, you need the pin ; if its lost the person whose credit file is involved has no method to contact Equifax to fix this problem.
All provided phone numbers and contact methods are for individuals who are businesses or have an account with Equifax as an Equifax client. or are dedicated to other purposes which are unrelated to credit freezes.
The key webpage to demonstrate this problem is here : http : //www.equifax.comXXXX XXXX You have to login to the Member Center to gain access to Equifax support numbers which may or may not have information and contacts relating to fixing credit freeze problems such as mine. Without the PIN, you can not login to the Member Center, so you can not even see what resources and contacts are available.
Since I am not an Equifax client, and I am a consumer, I have no authorized contact method to reach Equifax to correct the problem mentioned above. I am essentially locked out of my credit file permanently and also locked out from even contacting Equifax to correct the problem.
All other phone numbers on the Equifax website that I found are dedicated for other purposes and are not associated with resolving credit freeze issues. Equifax does not provide much if any support for the credit freeze process outside of a page where you can lock & unlock your credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NJ

Complaint narrative:
I am NOT late on my mortgage, and always make my payments within the grace period, yet Seterus calls repeatedly to " collect a debt '', telling me my mortgage is " in jeopardy ''. I have told them in the past, that unless and until my payment is late, these calls to " collect a debt '' are harassment and I will file a complaint. Today is the XXXX of the month ( XXXX/XXXX/XXXX ). I have received two phone calls today ( interrupting a business meeting! ). The first call ( XXXX ) I could not answer and it went to voice mail ( they did not leave a message ). The second call came two hours later ( XXXX ). When I asked who it was, the representative said " this is an attempt to collect a debt '' and needs to speak to me about " my mortgage balance ''. She said my mortgage is " in jeopardy ''. I explained to her that my payment is n't late, it is n't due until the XXXX. She said " the system automatically makes calls after the XXXX of the month ''. I told her unless and until my payment is late, do not call me to " collect the balance '' or tell me that my " mortgage is in jeopardy ''. There is absolutely no reason to " collect the balance '', nor is there any justification to state and/or imply that an account is " in jeopardy '' on a mortgage that is paid timely.

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 2017-11-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: MO

Complaint narrative:
Our mortgage company is Planet Home. We had a fair amount of hail damage to our house in XXXX XXXX. This is now XXXX and we 're still trying to get Planet Home to endorse the insurance checks so we can pay our contractors. 

Every time we call, they want something else. In the beginning, they said they would have an inspector come out after each part of the repair was done -- roofing, gutters, siding, inside painting ( ceiling ) - at our cost. What? THEY want the inspection -- they should be paying for it. But of course, we have no choice. However, they said if we hired a general contractor, they would only inspect once. We did. Everything except the painting of the ceiling has been done for two weeks now. It will be done when we 're out of town later this month. The inspector came out. He said he has never heard of a mortgage company asking for any more than 90 % done, and we are over that, so we were expecting an endorsed check. We 've called and called, leaving messages for the genius who 's been 'our ' representative. Finally today she responded. Since the work is n't 98 % -- 98 %, mind you, done, they wo n't release the check. It is unconscionable to us that they expect our contractor to pay his subs -- or worse, for us to front the money - while Planet Home XXXX around holding our insurance check because the work is n't 98 % done. Additionally, now they want to ding us for another inspection when it 's finished. This is just the short story of what we have been through with this company. Every call was another adventure in the asylum. 

These people are so far out of industry standards, it 's scary. They get poor reviews on the BBB site and other blogs I 've found. We 're going to refinance as soon as this mess is over, but I want to know if there are federal rules that govern this sort of stuff, i.e. what can the mortgage company withhold and for how long, can they charge for inspections they require, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: OH

Complaint narrative:
I have been paying on a student loan from Great Lakes Higher Education for 28 years. I have records of all my payments which totals {$57000.00} The original loan was {$17000.00} on XXXX XXXX 1991. 
They say that I still owe {$38000.00}. 
They are going to take my tax refund and garnish my wages very soon if action is not taken. 
I have repeatedly written letters, applied for XXXX Forgiveness with no results. 
They have turned the loan over to a collection agency ; XXXX XXXX XXXX which I have also written and received the same reply, that I still owe the money in question. 
PLEASE HELP!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMCOL Systems, Inc.
State: OK

Complaint narrative:
I received an email alert that a new account was showing up on my Credit Report, XXXX XXXX XXXX as to a new collection Account. 

The Account is AMCOL SYSTEMS FOR A MEDICAL BILL OF {$890.00} AND THE ORIGINAL CREDITOR IS XXXX XXXX, THIS ACCOUNT HAS BEEN PASSED AROUND TO ABOUT 5 DIFFERENT COLLECTION AGENCIES, AND I HAVE TO DISPUTE WITH THE CREDIT BUREAUS EACH AND EVERY TIME, IT NEEDS TO STOP AS XXXX XXXX HAS EVEN SENT A LETTER TO CEASE COLLECTION ACTIVITIES AS POLICE REPORTS ARE ON FILE AS WELL AS NOTARIZED IDENTITY THEFT AFFIDAVIT. 

THIS NEEDS TO STOP IT HAS COST ME THOUSANDS OF DOLLARS TO ADDRESS IT EACH TIME IT POPULATES WITH A DIFFERENT COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I filed a bankruptcy chapter XXXX that was converted into in chapter XXXX. If there are assets I want to surrender or keep, The legal process requires me to file a bankruptcy form, I filed a request to reaffirm my debt for my vehicle, XXXX XXXX XXXX. and USAA denied the request. I then filed a request to surrender the vehicle which they also denied, I believe according to the Federal Bankruptcy Laws, I am entitled to one or the other, Why was I denied both request,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am submitting a complaint against Equifax because the company failed to correct the wrong information on my credit file despite the fact that submitting a police report that proves that I am a victim of identity theft. Unlike the other two credit bureaus, Equifax insists on keeping false information on my credit report which is not legal. Equifax is violating the rules and the regulations of the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.

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 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Company
State: PA

Complaint narrative:
XX/XX/XXXXI contacted XXXX XXXX XXXX concerning six accounts reported to the credit agencies without being submitted for remaining payment to secondary insurance. It is the responsibility of the provider to seek payment due from the insurance companies listed on file. They only reported to my PPO coverage with XXXX XXXX and was advised denied for no referral on file. The billing department at that time is supposed to reach out to obtain proper documentation to have claims Re filed and paid. Instead they never tried to get paid they immediately decided the balance owed is mine without submitting to other insurance on file. XX/XX/XXXX I contacted XXXX XXXX XXXX and my pcp at XXXX XXXX XXXX XXXX XXXX and XXXX XXXX. The claims are being resent for processing and the XXXX XXXX Representative contacted all parties and advised will take two weeks to process and another 30 days for claims to reprocess and then secondary insurance will need to be notified of remaining balance owed to be paid by secondary insurance then if a balance is left I will be responsible for that balance. Since this is going on XXXX XXXX XXXX still have all accounts listed in collections knowing they have to wait for all claims except two to be processed. Two claims will be sent to secondary insurance XXXX XXXX assured for payment. Which at that time they are not allowed to bill a balance due to XXXX and XXXX regulations they are under a fee schedule. This should be removed from my credit until all processing of all accounts are complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I open up a XXXX gold checking account back in the beginning of XX/XX/XXXXI had two check deposits which one of the deposits was my settlement for my attorney for XXXX + the second deposit that I had made into the account was XXXX the check was given by my employee supposedly the XXXX  check got returned back to my employee because of being a bad check so because of this matter citi Bank decides to close my account on XX/XX/XXXXhave to closure of this account till today I 'm not being able to access any my funds and the reason is they do n't have no reason they stayed that I have to wait about 60 days in order for me to have access to my funds, why I have to wait 60 days for no reason of the closure of the account and every time I 'm calling the representatives to the fraud department in going to the bank and nobody is giving me a decent answer I 'm getting run around and trying to understand why am I being held for my money for 60 days, i have XXXX  kids XXXX XXXX and XXXX XXXX XXXX i work hard for my money barely making with that paycheck week by week and the fun that I have in the account that I have to wait for 60 days which has nothing to do beeing my fault which now its going to be hard for me to support my XXXX kids not having access to those funds whoever 's going to read this message try to make things work because there 's no such a thing holding funds for 60 days without having any good reason if that was the case why did you guys end up opening up the account in order to take the customers money give it a bad reason and take their funds and make money off of the customers money for 60 days until the customers is your money you 're taking that money away from my kids and because of this matter somebody 's going to be responsible for the damages if I can not buy any nutrition my XXXX kids or come up with a good reason that you guys holding my money for 60 days cuz my money is making money to your Citibank

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 2017-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: SUNTRUST BANKS, INC.
State: AR

Complaint narrative:
I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..

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 2017-11-03 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.

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 2017-11-03 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: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
I ordered my credit report from chex systems and I disputed the things that I did n't authorized and they sent me a letter back on XXXX/XXXX/2017 stating that everything in my report was correct. I am so sick of these credit report people telling you what 's right and what 's wrong. Please show me where I applied for credit, or gave someone written permission to run my credit. This is why I have a fraud alert on my credit report. These companies are not doing there job and it ; s sad that anyone has to keep calling or writing them for them to remove this. What person you know would let a company run there credit 10 times knowing that there not going to be approved. This makes no since. I want these company 's removed from my report. Or send me proof in writing that I aloud them to pull my credit on my behave. These companies claim to have ran my credit on behave of someone else. Which is not true and how can anyone else run your credit on behave of someone else. I would think that I would have to give permission to both companies if this is true. I also know that hen these so called companies ran my report they used the name XXXX XXXX like everyone else has been doing that is not my name. Thee only reason Chex systems has my correct name is because I sent them a copy of my license and social security card to update my information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-11-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my Transunion Account : XXXX XXXX -XX/XX/XXXX, XX/XX/XXXXXXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX  XX/XX/XXXX,XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX -XX/XX/XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXXXXXX XXXX -XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX - XX/XX/XXXX, XX/XX/XXXXThe Following was not authorized on my XXXX or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX -XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX -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