vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-05 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: AZ

Complaint narrative:
I have contacted TranUnion on a few occasion about inquiries made on my account. I did not authorization any of these inquires list below. My first communication with you office was on XX/XX/XXXX via letter, and my second letter to your office was on XX/XX/XXXX. <P/>1 ) XXXX/XXXX XXXX/XXXX/XXXX 2 ) XXXX XXXX 3 ) XXXX/XXXX XX/XX/XXXX 4 ) XXXX/XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX XX/XX/XXXX 10 ) XXXX XXXX XX/XX/XXXX I have reached out to all the above companies as well letting them know I have not authorize any of these inquiries and these are fraud. I have file a police report as requested by TransUnion and these companies. This is false reporting on your behalf and I am preparing to file a small claims lawsuit against your company due to the FCRA section 61. <P/>I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. Trans Union Corp., No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking : {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX SSN :  XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues

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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My account balance with  XXXX    XXXX   was  discharged in a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX  a nd converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . T o date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 2017-07-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: DC

Complaint narrative:
I have contacted IQ Collections numerous times stating the debt amount owed is incorrect. They ignored my requests to correct the amount of the debt owed. I filed complaints regarding this on numerous occasions Including ( XXXX and XXXX ). I also called the company on XXXX. I then sent an email directly to XXXX ( supervisor within the company ) on XXXX, XXXX, XXXX, andXX/XX/XXXX. All my emails have gone unanswered.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: LA

Complaint narrative:
I 've tried numerous times to get this inquires off my credit file that I did n't authorize. I have no account with these companies. The companies told me to contact Equifax & Equifax telling me to call them. This is very frustrating. The inquires are as follows : 1. XXXX/XXXX XXXX ( XX/XX/XXXX ) 2. XXXX XXXX XXXX ( XX/XX/XXXX ) 3. XXXX ( XXXXXX/XX/XXXX ) 4. XXXX ( XX/XX/XXXX ) 5. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 6. XXXX XXXX XXXX XXXX ( XXXX XXXX ) 7. XXXX XXXX ( XXXX XXXX, XXXX ) 8. XXXX XXXX ( XXXX XXXX, XXXX ) 9. XXXX XXXX XXXX XXXX ( XXXX XXXX, XXXX ) 10. XXXX XXXX XXXX ( XX/XX/XXXX ) 11. XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 12. XXXX XXXX ( XX/XX/XXXX ) 13. XXXX XXXX ( XX/XX/XXXX ) 14. XXXX XXXX ( XX/XX/XXXX ) 15. XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
1 ) My husband and I fell behind with mortgage payment, XX/XX/XXXX. Matters became worse, XX/XX/XXXX, when my husband suffered from XXXX and XXXX ( Medical care - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX ) and was forced to stop working. Although, we are pursuing my husband 's XXXX ( payments ), we have fallen further behind. To date, XXXX XXXX. has never provide us with a monthly mortgage statement. We have requested several times for a statement. <P/>
2 ) We attempted to settle past due amount {$3000.00} ( account # XXXX )XX/XX/XXXX. Mortgage company ( Caliber Home Loans , Inc., XXXX XXXX XXXX, XXXX XXXX, OK XXXX ) refused our letter / offer to settle. The subject mortgage company, XX/XX/XXXX, pursuing foreclosure via their legal representation ; XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ( phone # XXXX ) 3 ) We have reviewed our situation with local Legal Aid Society of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, NY XXXX. ( phone # XXXX XXXX contact XXXX XXXX XXXX, XXXX. ) 4 ) Our hope and request is we to save our home ( value - {$130000.00} -  estimated, loan balance - {$30000.00} - estimated. We would like re-payment plan or re-finance ( conventional or possible VA loan. Please review above matter for any assistance you may be able to provide. <P/>Thank you, XXXX and XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My account balanc e was discharged in a Cha  pter  XXXX  Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX . To  date the financial institution has continued to report my account negative to   XXXX   XXXX  . I was granted relief from this debt and I want the account removed from   XXXX   XXXX   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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My account balance with   XXXX   XXXX   XXXX   was discharged in a Chapter  XXXX  Case #  XXXX  filed  XX/XX/XXXX  and converted to a Chapter   XXXX   XXXX   filed XX/XX/XXXX . To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
The problem involves the Bank of America checking account holders contact line. I realize that consumers bring more serious problems to you, but I think this problem should be documented as well.
I manage the finances of my former husband, who has a XXXX XXXX My name has been added to his checking account. A new fee has shown up on his statement this month, and today on the morning of XXXX XXXX, 2017 I 'm trying to find out what it 's for. I spent 25 minutes on hold and finally had to hang up. I 'm in a location where my cell does n't work, and I had to make calls for work. I 'm back on this landline now, waiting for them to pick up, and it 's been another 20 minutes of waiting so far.
<P/>
Their answering message notes that this is the day after a holiday and there may be long waits on this line. Why, with a company with as much money as BOA, did they not then add staff to handle expected excess calls? People need work. They could fill extra positions with OT, per diem, or regular part time help, if that is the flexibility the bank feels it needs.
<P/>
Today is not particularly unusual. I routinely wait at least 15 minutes for anyone at BOA to pick up.
<P/>
It 's frankly abusive that a huge multinational corporation refuses to staff adequately in order to be minimally responsive to depositors. I have work responsibilities. I am also a XXXX XXXX. I started my work day two hours early today ( and what a blessing, that my current job allows me this flexibility ), in order to be available to take my former husband to two medical appointments later this afternoon. And yet BOA thinks it 's just fine to keep their staff numbers low and leave it to me, the consumer, to pay with MY time in order to ask them a question that is specific to our account and is not answered in their online FAQs.
<P/>
30 minutes and counting.
<P/>
Thank you for all that you do.

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 2017-07-05 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: Santander Consumer USA Holdings Inc.
State: MN

Complaint narrative:
Good Morning, I writing to state my concerns. I had a car loan and it was repo and the car was picked up and sold I never hear from them again after that. I checked my credit and showing balance and charged off and still reporting past due and two different balancing on credit and it was charged off in 2013 they are reporting on my credit. I sent three cert letters and they sent nothing back helping the to support and things that I put on letters. Satander is the company I writing about. So I wondering what my next step is if it is charged off then why is it still showing on y credit as late payments and past due. If they charged it off and they told me in my dispute they charged it off in 2013. balance with satander is XXXX and some change. or the other balance XXXX I do n't have balances in from of me right now but I have to them someone contacts me. This account is showing activity when its was to be charged off in 2013. I have the three letters that I have sent to them and nothing as been resolved at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: MI

Complaint narrative:
On XX/XX/XXXX, my wife received a request from fedloan servicing asking her to recertify for the income-based repayment plan ( IBR ). The recertification application was due by XX/XX/XXXX. We completed the IBR recertification application and uploaded it via fedloan servicing 's online portal onXX/XX/XXXX. We received confirmation that it was received on XX/XX/XXXX.
<P/>
I followed up with a call to fedloan servicing and spoke to a customer service representative. They assured me that the application was complete and that the newly calculated payment ( that would last for a period of 12 months : XX/XX/XXXX - XX/XX/XXXX ) would begin without interruption on XX/XX/XXXX. We later received a communication re : a " hold '' on the account. Again, we called to ensure that the application had been processed correctly and that the new payment would be recalculated and applied to the XX/XX/XXXXdue date. We were once again assured that the new payment would be calculated after theXX/XX/XXXX payment ( i.e., the 12th payment of the cycle ) was applied and that the XX/XX/XXXX payment would reflect this new amount.
<P/>
However, today, on XX/XX/XXXXwe reviewed our payment due on XX/XX/XXXX and noticed that the IBR recertification application had not been processed correctly/timely, as the XX/XX/XXXX payment was reflecting as unchanged ( it should have gone down as my wife 's income decreased substantially ). I called and spoke with XXXX and XXXX. XXXX indicated that she would submit an " expedited request '' to have the payment recalculated and applied for XXXX. She said that this would be completed by Friday, XX/XX/XXXX and reflected on the XXXX  statement. I asked that it be reflected on the XXXX statement and she indicated that my wife would have to make this request. I tried to explain that this is not a new request as this should have been done in the ordinary course of things had the paperwork been processed correctly back when we submitted it in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
My account balance w as discharged i n  a Chapter   XXXX   Case  #  XXXX  filed   XX/XX/XXXX   and converted to a Chapter  XXXX   XXXX  file d  XX/XX/XXXX .  To date the financial institution has continued to report my account negative to    XXXX   XXXX  . I w as granted relief from this debt and I want the account removed from   XXXX   XXXX   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 non-monetary relief
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My account balance with  XXXX   XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  an d converted to a Chapter  XXXX   XXXX  filed   XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 2017-07-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
<P/>
Tired of being harassed and having credit take a hit for something i already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account balance was discharged in a Chapter XXXX Case # XXXX filed XX/XX/XXXX and converted to a Chapter XXXX XXXX filedXX/XX/XXXX. To date the financial institution has continued to report my account negative to XXXX XXXX. I was granted relief from this debt and I want the account removed from XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 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: MicroBilt / PRBC (formerly CL Verify)
State: FL

Complaint narrative:
I found XXXX hard inquiries on my credit reports from Microbilt.com that were NOT AUTHORIZED - I contacted their compliance dept, they told me that both inquiries were done by XXXX XXXX in XXXX, FL - I DO NOT know this company, I have no dealings with this company.
<P/>
Microbilt gave me a phone number to contact XXXX XXXX at XXXX but it goes to a cell phone voice mail. I have left messages but have not heard back from them.
<P/>
I filed a dispute via mail with Microbilt to remove these unauthorized hard inquiries but no response yet. I do not want a company like Microbilt to have my credit information or allow companies like XXXX XXXX to access my credit reports WITHOUT MY APPROVAL.
<P/>
This is an invasion of my privacy - how do we block Microbilt and XXXX XXXX from these fraudulent activities??

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
I had a checking account at Bank of America. On XX/XX/XXXX XXXX XXXX the bank issued a check with {$560.00}, that was my balance on my account. When I tried to collect the money, the bank returned the check back on XX/XX/XXXX with the stamp unpaid. The reason : refer to maker. I called check department from Bank of America and they told me that no check on my bank account was issued ever and my account is closed. This means that somebody in the Bank of America has falsified this check!
Please, help me to collect my money from the bank.

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 2017-07-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: TX

Complaint narrative:
Projected County Tax Due : Current year - {$5400.00} Prior Year - {$6000.00} On at least two occasions ( XXXX XXXX ; XXXX XXXX ), I spoke to Money Source and indicated to them that the estimated county taxes for the account were incorrect. The county had reduced the estimated taxes based on my homestead exemption. This exemption was not available to me at closing because I had not owned/lived in the property for a whole year. The adjustment to the county taxes after the first year of ownership is not unusual, because of the change in ownership. Money Source based their estimation on the prior years taxes ; on the ownership/residency status of the prior owner. I provided Money Source with an estimated tax bill from my county appraisal district. Money Source called my countys appraisal district prior to XXXX XXXX and the county confirmed that the estimate taxes had been adjusted based on my homestead exemption. On XXXX XXXX, I again spoke to Money Source and requested the adjustment in the estimated taxes. While on the phone with Money Source, we visited my county appraisal districts website and confirmed the reduction in the estimated taxes. Money Source said that they could not reduce the escrow payment to reflect the reduced county taxes. <P/>Underestimating the Escrow Account Balance : In correlation with overestimating the county taxes on the escrow account, Money Source is underestimating the projected escrow balance. Together, this in turn produces a shortage that is high and artificial. Since the establishment of the escrow account, I have paid {$10000.00} into the account. Out of this amount, {$7900.00} was paid for taxes and insurance, leaving a balance of {$2100.00}. By Money Sources own account, the balance in the escrow account is {$2300.00}. To supposedly meet projected payments, Money Source raised the escrow payment from {$510.00} to {$760.00} for XXXX thru XXXX, 2017. On XXXX XXXX, it is projected to be raised to {$840.00}. This represents a 63 % rise in the monthly escrow, even though the account has never had a zero balance. The only shortage has been in the cushion. The new escrow rate of {$840.00} will aggregate to {$10000.00} over a twelve-month period. This represents an overage of {$1500.00} over that time period. The account should only accrue {$8500.00} ( {$5400.00} for taxes ; {$1900.00} for insurance ; {$1200.00} for escrow cushion ) over a 12-month period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
My account balance with  XXXX  was  discharged in a Chapter   XXXX  Case #  XXXX  filed   XX/XX/XXXX  and  converted to a Chapter  XXXX   XXXX  filed  XX/XX/XXXX .  To date Chex Systems has continued to report my account negative. I was granted relief from this debt and I want the account removed from Chex Systems 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 2017-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a checking account with Santander Bank, XXXX XXXX XXXX, XXXX New Jersey XXXX ( XXXX ). I also have a debit card which is attached to the checking account. When using the debit card with another Banking or ATM vendor, I 'm given the opportunity to accept the charges for their services and if I agree a fee is charged by the company where I 'm completing the transaction. Santander Bank then charges me a {$3.00} fee for not using one of the ATM at one of their branches. I 've spoken to management at that branch and I 've filed a small claims complaint in XXXX County Superior Court. A default judgement was awarded against Santander Bank, but I never received any further documentation from the court. On occasions as recently as XXXX XXXX, 2017, one of the {$3.00} fees was withdrawn from a negative balance and the bank charged me an addition {$35.00}. I have never authorized Santander Bank to withdraw the addition fees from my checking account or from any account which I have with Santander.

Company response to consumer: Closed with explanation