vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-11 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: WA

Complaint narrative:
On XX/XX/XXXX2017 I went to XXXX and attempted to view my free credit reports. I was only able to view my XX/XX/XXXX report. XXXXXXXX gave me an unintelligible error. XXXXTransUnion said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for 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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Santander Consumer USA Holdings Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX SS # XXXX I would like an investigation for Santander Consumer USA a financial institution. Violation of Privacy Act and Anti-trust laws. Illegal violation of The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Plaintiff purchased XXXX XXXX XXXX and the car was financed by Malfeasance in office by Santander Consumer USA Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX  XXXX on XX/XX/XXXX. This information may be verified by : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX, TX XXXX Malfeasance in office by XXXX XXXX, Executive Manager and Sales Representative which caused economic damages, poor credit and destruction of automobile. This occurred after resigning from XXXX XXXX XXXX XXXX on XX/XX/XXXX. This information may be verified by : XXXX XXXX Sheriff Department XXXX XXXX XXXX XXXX, Louisiana XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LAXXXX Telephone : XXXX Fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, LA XXXX  Telephone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX This company and person conspirators worked secretly to destroy XXXX XXXX XXXX XXXX  immediate family members with negative credit and to harm life style.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted all of the companies that had an inquiry on my report as I did not initiate these and they told me I would have to dispute with the credit bureau. So I called the credit bureau Equifax and they told me I would have to call the company to dispute. I feel as though both companies are just passing the buck to one another. I asked the credit bureau where is the validation proof of my signature that I initiated these inquires and they have failed to provide any as well as the companies have failed to provide this as well. As a consumer I have rights under the FCRA and Federal Law mandates that I receive a response to my dispute letter within 30 days of receipt of my dispute letter which was sent on XX/XX/XXXX. Please remove the following inquiries from my report as pursuant to 15 U.S.C. 1681b section 604 ( c ) ( 3 ) of the Fair Credit reporting act whereby a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX *XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX Carmax Auto Finance received a letter from me disputing the information they are reporting on my credit report. They responded with a letter saying they verified the account, which does not serve as proof. I requested a signature that shows that I entered into an agreement to pay them. They have been unable to provide any contract validating the information they are reporting. They also failed to mark my credit report as disputed within 31 days of my initial dispute letter. I sent another letter on XX/XX/XXXX requesting again that they remove their inaccurate reporting. I still have not received a response and they have not deleted the account. They claim I had a vehicle loan that was charged off. It is very damaging to my credit report and I need this inaccurate and unfair information to be removed immediately. Please assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: ASTORIA BANK
State: NJ

Complaint narrative:
I had a foreclosure date schedule. I called the bank and I requested for a short sale being that my daughter was in hospital at that moment having XXXX. It was so stressful I did n't know what to do so they suggested that I can do a short sale. They send me the short sale documents and told me to complete the paper work and send it to them. Knowing that a foreclosure date was schedule for X/XX/2017 it was never cancelled and when they received the documents they told me that it was foreclosed already and it did n't matter. My daughter is very sick and I can not move at the moment. <P/>I have an XXXX XXXX by the name of XXXX XXXX XXXX banging our door down. My daughter have nurses and doctors coming to my home to help her and I am at work. XXXX XXXX bang our doors every sigle day and requesting to get into the house. XXXX XXXX phone number is XXXX Cell XXXX address is XXXX XXXX XXXX XXXX XXXX, XXXX NJ XXXX. XXXX XXXX is an Asset Management which is an investor and have absolutely no consideration for my daughter illness and our situation. <P/>I had a five year interest only loan and I try to modify three times and first they said my income was insufficient the second time my income was to high Astoria bank never tried to help with the modification and knowing that I was going through so much stress lost my job during that process because my daughter illness they just fine the right time to foreclose without my knowledge and the last was they will consider a short sale. <P/>
The servicing company is a Mortgage company by the of XXXX XXXX XXXX in XXXX XXXX, Illinois. That is the company that did not accept the short Sale waited for the date letting me know that it will postpone and foreclosed. The servicing Company XXXX XXXX told me it was to late the own the property and purchase it for {$100.00}. Last package was sent to XXXXXXXXXXXX Phone # XXXX Fax # XXXX toll free # XXXX Right now XXXX XXXX XXXX XXXX XXXX requested for my phone number in an aggressive way and my daughter with the home attendant did n't know what to do. My daughter XXXX XXXX XXXX and she under XXXX XXXX she had XXXX XXXX and right now she can not go through any stress. <P/>Can you please let me know what should I do. I just do n't know what to do. My information XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, NJ XXXX e-mail # XXXX XXXX XXXX Loan #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Movement Mortgage LLC
State: CA

Complaint narrative:
We are first time buyers. We had many many questions. Every time we asked her to explain something she seemed very irritated over the phone or would respond in a snarky type of attitude. She was very pushy. We 'd ask her to run figures and she would tell us not to worry we can afford it even if we told her no we could n't she would insist we could. Her calculations were constantly changing because she 's forget to change something. She would go ahead and order items such as a condo questionnaire that they charged me for even though we had decided to cancel that sale due to the inspection findings. Her reasoning was because she wanted to get ahead and order it asap because it takes a long time. They charged me without my knowledge. I had signed a document allowing for payments if applicable. I was n't aware the condo questionnaire would still be applicable considering we had cancelled the sale. We communicated regarding the pending charge that did ultimately get processed XX/XX/XXXX, 2017 for {$210.00} and she said she would refund me at the end of escrow. She had put the appraisal on hold since we cancelled. I said I did n't understand why we would still be charged for something we did n't authorize to be ordered, especially since canceling would n't make it " applicable ''. I tried getting information but se seemed affronted. I tried asking her about it via email and she ignored my email. We are now with another lending agency and our agency required information from them of which they refuse to provide because they said it belongs to the property. Since we are no longer clients of theirs they refuse to assist us in anyway even if they have failed to complete a job on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-11 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On   XX/XX/XXXX     I went to  XXXX  and attempted to view my free credit reports. I was only able to view my   XXXX   report.  <P/> Experian gave me an unintelligible error.  <P/>  XXXX  said it could n't confirm my identity after a series of follow up questions. The follow up questions were very vague. Some included no possible correct answers, and some included multiple possible correct answers. From this it is unclear if they have accurate information on file for 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 non-monetary relief
Consumer complaint received 2017-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I made a deposit into my chase high school checking account on Sunday XX/XX/XXXX for {$430.00} and the ATM machine did not give me a receipt or any information on my account. I tried using my debit card today XX/XX/XXXX and it was not working. I called my mom to check what was going on with my account. I was informed by my mom who checked through the online chase bank that my account had disappeared. I called chase with my mom on the phone and I was told that my high school checking account had been closed but my debit card was still active. No one ever notified us of the closed account. I am XXXX XXXX and need my money. I was told after making a claim and speaking with XXXX that it was going to take up to 10 days for the investigation and another 10 days for a check to be made and mailed to me. I do n't understand why this money can not be put into my mother 's checking account ( head account ) as she has access to add and take away money from my account. I also do n't understand why we where never notified of the closed account. In addition, I do n't understand how the ATM would take the money as a deposit when the account is closed? Furthermore, how does a debit card remain active when it does not work? I do not think this is fair practice as I need my money now and not in about a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: NY

Complaint narrative:
I was told numerous times by many different representatives I have 12 months of forbearance for my loans. I took a few months of it and then I needed to extend it for the remainder of the 12 months. I paid {$150.00} to make my loans current and then they would extend my forbearance. A month later they told me they wo n't approve my extra time that I was told previously would be. So now I have  two  sets of payments past due. Sallie Mae has never been straight forward with me and I get all these different answers. They refuse to hear me out on why I want my forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: WV

Complaint narrative:
XXXX aka Credit Bureau Systems has repeatedly placed several inaccurate invalid and disputed debt onto my report. I HAVENT RECEIVED THE FIRST BILL FROM THEM FOR ANY ACCOUNT. They have several amounts they claim I owe. I dispute the debt, I win the dispute, and then XXXX Credit Bureau Systems XXXX XXXX XXXX KY XXXX opens up several new accounts and changes the account number and places it back on my report as debt owed. I disputed XXXX XXXX ( 3 debts ) to XXXX and XXXX XX/XX/XXXX and XX/XX/XXXX. I called them early in XX/XX/XXXX, and sent a letter to them in XX/XX/XXXX regarding CBS. I won the dispute XX/XX/XXXX and it was deleted. I posted a letter I sent to XXXX about CBS. CBS placed it back on my report with a new account number after I disputed it and it looks like a new debt owed. I called XXXX Fraud Dept and the lady stated I would have to contact them, and that yes they were reporting old  disputed deleted debt making it appear to look new again by changing the account number and changing the amount owed slightly. This debt of XXXX XXXX went back onto my report as a debt of XXXX XXXX  in XX/XX/XXXX. So did 3 other debts of XXXX {$120.00} $ and XXXX XXXX They just make up new accounts and place it right back on the account, it does n't matter if they can validate it or not. Also they break HIPPA by giving out medical information to public about people. I 'm suing and I 'm asking for an investigation please! These people are criminals!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NM

Complaint narrative:
i a XXXX XXXX vet and with this i an entitle to a tax break from the state of new mexico this i received the first of XXXX. I receive a certificate from XXXX XXXX XXXX stating that i would received a tax break on my house Account number XXXX.
Now my compliant is that Wells Fargo has not shown this on my invoice if my tax status change then my escrow account should change this wound decrease my house payment. This has not happen yet and when i called Wells Fargo they informed me that my house payments were going to increase. I did not ask fro this but it was offer by the state of new mexico And i thank them for there help.
But why dose Wells Fargo not honor this tax break and help me out?

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 2017-07-11 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNTRUST BANKS, INC.
State: DE

Complaint narrative:
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX I have instructed Suntrust to stop calling me about my loan. Verbally 3 times they have been told to stop calling me at work. I also instructed them on how my loan is to be paid. It is paid in half every 2 weeks automatically.
<P/>
They continue to harass and need to stop.

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 2017-07-11 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: TN

Complaint narrative:
I was given custody of my grandchild after he was XXXX in the XXXX with a XXXX XXXX. Now that the XXXX Family have stolen my identity, through equifax. They are stealing my child support from social security. I was given custody on XX/XX/2011 of XXXX XXXX/aka XXXX XXXX XXXX. His DNA number is XXXX. His father DNA number is XXXX. XXXX XXXX XXXX stole my mail. Paid Attorney XXXX XXXX to conspire with her to take the child support. To say I was n't in court. Attorney XXXX overrule Honorable XXXX XXXX XXXX ruling. Docket number XXXX. XXXX XXXX never paid me child support. My child did n't pay me child support from social security. Because XXXX stole copies of my drivers linsenc, my social security card in XXXX XXXX XXXX. I 've changed my name to XXXX XXXX XXXX. My name have been spelled XXXX XXXX XXXX  & XXXX XXXX. I began using my maiden name when I learned the XXXX Family stole my identification. Attorney XXXX XXXX  placed a fraud alert on my report without my knowledge. A seven year alert. My mail was being stolen in XXXX. The United States Postal Service told me How To handle. I no longer submit a change of address. I send notices directly to who I Am contacting. I do not let any family know where I 'm living. The less any of them know about me, the safer I Am.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Equitable Acceptance Corp
State: GA

Complaint narrative:
They only gave a 3 day window to cancel. They also did not disclose that they were a private company and that I could consolidate my loans on my own. Should only be required to pay the {$150.00} which they have already deducted from my 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 2017-07-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
My mortgage was paid in full in 2013 and my mortgage company has failed to report this, my credit has suffered miserably as a result. I have reported my mortgage company a number of times to the Attorney General of my state, your organization, the US Comptroller and anyone who would listen with no results and no help.
<P/>
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 2017-07-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: McCalla Raymer Leibert Pierce, LLC
State: GA

Complaint narrative:
McCalla Raymer Liebert Pierce, LLC has engage in unlawful conduct in attempting to collect a consumers debt. prohibited by the FDCPA.
The law firm who is subject to the FDCPA has refused to discontinue its illegal debt collection activities.
A lawsuit has been filed against McCalla Raymer Liebert Pierce, LLC and other third party defendants for violating multiple provisions of the FDCPA.
A copy of the lawsuit is included with this complaint.
A partial list of the violation are as follows : Threatening action that the debt collector does not have the authority to pursue.
By initiating an illegal non-judicial foreclosure action.
Violation of 15 U.S.C. 1692f ( 6 ) a Falsely representing the character, amount, or legal status of the debt.
Violation of 15 U.S.C. 1692e Attempting to collect a debt that was discharge in Chapter XXXX  bankruptcy.
Violation of 15 U.S.C. 1692e Failing to verify disputed debt.
Violation of 15 U.S.C. 1692g ( b ) Falsely implied to ( CFPB ) in the consumer response this debt was sold on XXXX XXXX, 2017.
Violation of 15 U.S.C. 1692e ( 10 )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have purchased numerous items on my  XXXX   XXXX   XXXX   XXXX . Some items have been refunded, some delivered defective and Amazon.com has told me they will report to the company I have my  XXXX   XXXX   XXXX   XXXX  with Synchrony Bank that this is their error but they have not! I pay my Synchrony Bank  XXXX   XXXX   XXXX   XXXX  Account in full every single month timely and Synchrony Bank is not reflected that.

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 2017-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX

Complaint narrative:
I was checking my credit report when a company called  XXXX   XXXX   XXXX   XXXX   XXXX  PA showed up as a derogatory remark on my report. I contacted all  XXXX  credit bureaus to try to get information on what this account was and they told me to contact them. I did and they informed me it was from a previous visit from their hospital. I informed them I am not sure who they were and what the charges were in regards to and if they could submit information or proof, such as a form I signed or anything and nothing was sent. I contacted my credit bureaus to dispute the services and charges due to I never signed anything with this company and they removed themselves from my   XXXX   report but stayed on my  XXXX  and   XXXX  . I went through the dispute process again and asked to submit documentation of what i signed wi th ARS  showing I owed them and still nothing has been sent to me. This has been ongoing since  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