vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-06 00:00:00
Product: Other financial service — Credit repair
Issue: Customer service/Customer relations — 
Company: Simple Solutions Credit & Debt Consulting Inc.
State: MD

Complaint narrative:
Previous [ Case number : XXXX ] XXXX XXXX lied and said I had the wrong company and I am getting all parties XXXX involved this woman lied to a federal agency and I want my money back. I am going to be in touch with President Obama 's office and the Consumer Protection Bureau to also follow up on my case. 
XXXX XXXX of Simple Credit Solutions, told me over the telephone that she could delete XXXX accounts for me for {$800.00} and she did not fulfill her obligation. Also on my previous complaint she lied to the Consumer Financial Protection Bureau and told your office she was not the creditor who they provided services for and she has also forged all documents and information about what she did for me on my credit report and no items as she promised go deleted. I am asking that the Consumer Financial Protection Burea make her pay me back my {$800.00} and impose a fine on this company for lying and falsify information saying I had the wrong company which is a complete lie. XXXX XXXX gave the same fasle information the the XXXX who does not regulate credit repair companies. Before I contact XXXX the President to get action done I want my money back. 
This company has lied to you a Federal Agency and this has gone on long enough. 
This is there information below : XXXX XXXX XXXX, XXXX Professional Speaker, Consumer Advocate and Author Simple Solutions Credit & XXXX Consulting Inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX 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 2016-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH
State: MI

Complaint narrative:
On XXXX XXXX, 2016, I checked my account I had deposited {$59.00}. First Merit has taken {$10.00} out of my account. I had set up a savings account with First merit a few months ago with the bank Vice President XXXX XXXX. She told me that if I set up a savings account that it would cover my checking in case my account was overdrawn. My account had been overdrawn a week before by {$9.00} I did not know otherwise I would have transferred the money my self into my checking account. First Merit was supposed to had sent texts to my phone when my account was low or overdrawn they have not done that yet. I saw XXXX XXXX about this matter and contacted First Merit and they still have not activated the texts to go to my phone. XXXX XXXX asked did I want to set a up a saving but she never specified that I would have to pay {$10.00} for the savings to checking transfer. I guess she was just interested in selling the banks products!! I called on XXXX XXXX and spoke with XXXX XXXX she stated that when I signed up for the savings that I had to pay for this fee. I told her that I wanted my money back she told me " no ''. I told her that she never stated anything about the fee. She then yelled at me saying, " well do you want me to refund the {$10.00} and charge you an overdraft fee of {$35.00}! '' I said, " no '' " I want you to refund my {$10.00} period! '' I said that I should go to another banking institution that is forthcoming and honest such as a credit union. She asked did I want to close my account and I told her that I will come up to the bank when I am ready. I said, " you ca n't tell me what to do. '' XXXX XXXX stated, " I can tell you what to do and in 30 days if you do not close your account with First Merit, I will close it for you! '' I then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Sortis Financial, Inc.
State: NY

Complaint narrative:
just last month I received a disturbing letter from clearspring stating I owed XXXX on my loan for past escrow balance and that my new monthly payment would rise XXXX dollars more this is not a new tactic I, ve just settled with XXXX XXXX XXXX and my new amount states XXXX all of the escrow has been figured in to this im up to date on all payments till XXXX but my account does not reflect this because there holding it just today XXXX refused to accept my payment of XXXX stating it, s not what the account calling for after explaining that I don, t owe anything on escrow as a matter of fact XXXX sent me another breakdown that stated that I owe only XXXX I, ve requested a QWR and no response as of yet now I, ve contacted my attorney who handled the previous case which has similar tactics I want a complete detailed breakdown and a stop to harassing calls constantly and they need to update payments quicker because XXXX person says they see it and the other has no clue this is XXXX XXXX XXXX tactics they are I believe XXXX and the same Sad I thought I was done with protecting my Home from this type of mishandling my loan is a fixed loan which all of the escrow was figured in too since I, m up to date it can, t be short all taxes and insurance are the same I, ve checked

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: LJ Ross Associates
State: MI

Complaint narrative:
There try to collect a debt from XXXX from XXXX XXXX in the amount of {$280.00} .In XXXX hired a attorney to represent me and they ( My attorney ) are trying to collect for the collection agency. This debt is clearly pass statutory of limitations, So it should n't have been on my record let alone shared with this attorney.This is a Fraudulent act on both parties, Reporting attorney to the attorney grievance XXXX currently in court about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Around the end of XXXX beginning of XXXX As all inquiries were removed from my TransUnion credit report. However upon rechecking my credit report I currently have multiple credit inquiries where there should only be XXXX that I recently acquired. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX - XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry 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 2015-04-28 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I recently checked my credit profile and discovered that " AD Astra recovery Services, Inc '', had put a negative trademark on my credit profile for over {$300.00}. I then sent a letter for verification to this collection company requesting verification of this debt. On XXXX XXXX, 2015 I received a letter containing a loan agreement with just a signature in my name. After further review I seen nothing in this agreement other than someone writing my name on a piece of paper. I did some investigation and found that a person whom get this type of loan must fill out an application and submit a blank check from their bank. Neither of this type of validation was submited by this collection agency. A fraud alert was put on my credit profiles sometime ago. I am requesting assistance in getting to the bottom of this fraud and attempt by this collection company to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX just now has notified me of a drop in my credit score due to a hard inquiry by XXXX on XX/XX/2016. I have not requested a credit card, or an increase in credit on my existing card, and there are no late payments associated with this card. This hard inquiry needs to be taken off of my credit report and credit score needs to be restored.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mark A. Kirkorsky, PC
State: HI

Complaint narrative:
A debt collection company in XXXX, Arizona sued me in the local court system over unpaid credit card debt. I called the debt collection company and spoke to a man named XXXX ( if my memory serves me correctly ), and told him that I can not pay the debt due to financial losses and other circumstances, and offered to pay the debt off at {$200.00} per month, stating that {$200.00} per month is as much as I can afford on my current budget. 

XXXX told me during that phone conversation that he would email me a copy of an agreement that would enable the loan to be paid off at that rate ( {$200.00} per month ). I told XXXX that I must see the contract before I can agree to it. I never received that document, and so the agreed arrangement was never initiated. 

Now, the debt collection company for which XXXX works is initiating garnishment of wages at the maximum allowed rate. If garnishment is initiated I will not be able to pay my bills and suppose I will have to file for bankruptcy - something I have not done because I have not even had the funds for the fees involved. 

This is the second time a debt collector has initiated garnishment of wages after agreeing verbally to accept monthly payments. The previous occasion was resolved through your assistance. 

Since the agreement to pay off the debt at {$200.00} per month, my rent has gone up by another {$120.00} per month. At the same time, there was no cost of living increase for me this year due to my employer 's business losses. I really do n't know what I will be able to afford for debt payments now - and my landlord can be expected to continue raising my rent yearly. 

Your assistance is much appreciated, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting a debt on my Transunion credit report as an " Open Account '' and as a " Factoring Company Account. '' A factoring company buys debt that is in good standing, not debt that is in default. In order for monies to be factored, the debt must be in good standing. The debt that XXXX XXXX is reporting was a closed Charge-off account. By the very action of purchasing " charged off '' bad debt it should prohibit XXXX XXXX reporting as a factoring company. XXXX XXXX is violating the Fair Credit Reporting Act at 623 ( a ) ( 1 ) ( A ) for knowingly reporting inaccurate information to a consumer reporting agency.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I dispute with Transunion and ask for specific information to help me settle my situations with creditors and they send me information that is computer generated. I need for them to check the information not get computer generated information, so I will be able to follow up on the dispute with the physical information they obtain. So I am attaching a letter to this complaint for Transunion, which is a request to investigate and provide me everything I need listed in the letter to help me settle my dispute.

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 2015-08-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XX/XX/XXXX had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XX/XX/XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for a {$9000.00} charged off account that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
My Husband and I have a joined account and I notice that we had a XXXX transaction that we did n't recognize. We both called Ally Bank and explain the issue. The representative took both of our information and said that she did see anything on our new banking cards, she ask if we had lost or a card stolen my husband replied yes last XX/XX/XXXX ( lost but found a day later in the house ) the same day he notice his card missing he call and had it cancelled then the next day he cut up the card. The rep told him that this account may have still been active because he had a automatic payment attach to the account. My husband told her that it was for waste management and that that was in correct because that card was cancelled and put on the new card. But some how we still have money coming out of our account that they refuse to give back. but it 's not coming from the ATM cards we have now. They offered to give us new cards but not set up a new account. What should I do and we are 15 day from XXXX? Note I called the address on my bank statement where the money was said to be spent and it 's a day care in XXXX XXXX OH. and the XXXX in XXXX NJ

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 2015-12-08 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted information that proves that fraud affected my account and have asked that the activity was removed. I got a response from XXXX and they removed the activity, but not from XXXX and TransUnion in a timely matter resulting to me not being able to get a house for my family. I 'm very disappointed and really need some results.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently saw an article about how the CFPB fined the XXXX major Credit Bureaus. The article encouraged consumers file complaints if they have any. 
I am writing this letter to file a complaint against XXXX regarding a request I made to investigate my consumer file. I believe that my Identity has been stolen because I am having a lot of issues retrieving any Credit information such has Credit Reports and Credit Score from all XXXX Credit Bureaus. 
When companies are processing my applications for a credit card or a loan they are informing me that no credit history exist for me or that I have delinquent accounts. When I log into XXXX XXXX a message appears that my credit information does not exist and that I have to mail or fax in copies of documents so that they can review it. I have submitted copies of the following documents ( Birth Certificate, Social Security Card, Birth Certificate, Florida Driver 's License, XXXX Statement ) to XXXX and to XXXX numerous times for their review and to this day still no response. 
XX/XX/2015 I was approved for a Car Loan and purchased a car which I have been faithfully paying on time. I also was approved for a XXXX XXXX and been faithfully paying that account on time as well. By now having those XXXX accounts should have helped restore my credit history and generate a Credit or FICO score 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 explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The name XXXX XXXX is not and never has been my name!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-05 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report shared with employer w/o consent
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.

Complaint narrative:
I did n't autorize XXXX, PR XXXX ( XXXX ) XXXXTo do a hard inquiry of my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
There are XXXX names listed on my report that are incorrect

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 2015-11-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I purchased a XX/XX/XXXX XXXX XXXX XX/XX/XXXX financed by Ally XXXX and directly setup auto pay through the website to ensure that not only was my payment on time, but I was paying extra every month with the intention of paying the principal down, and paying the loan off early. After 4 months I realized that my extra payments were n't being applied to the loans principle amount so I called. Then I was informed that this " could not be done automatically '' in any way, shape, or form. I was told that if I wanted the extra paid to principle then I would have to phone them every single month and literally demand that extra be applied to the principal. It is there policy to apply that payment " forward '' to a time that doesn'teven exist yet, so as to maintain the " status quo, '' and not lose a single penny in interest that would have accrued on the principle loan amount. This policy of forcing customers to call every single month to have that extra money applied to the principal is, in effect a firm of bullying and harassing their customers into just giving up and letting them charge interest on money that was already paid them! 
I can provide documents showing how my payments were paid in advance, and applied to periods of time that do n't even exist.. yet!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WAS NOT ABLE TO RECEIVE MY FREE CREDIT REPORT FROM TRANSUNION CREDIT BUREAU, THE SYSTEM TIME-OUT. HOW CAN I SEE THAT INFORMATION AGAIN, KNOWING THAT THERE IS ONLY XXXX ATTEMPT PER YEAR. HOW AND WHERE DO I SEE MY FREE CREDIT SCORE FROM ALL XXXX BUREAU : XXXX, TRANSUNION, AND XXXX. 
ALSO, THE NAME ON MY BIRTH CERTIFICATE DOES NOT MATCH MY SOCIAL, PASSPORT, ETC. HOW AND WHERE DO I CORRECT MY NAME? I HAVE XXXX CURRENT JOBS AND THEY BOTH NOT LISTED CORRECTLY ON MY CREDIT REPORT. I NEED MY JOBS TO BE CORRECT ON ALL XXXX CREDIT BUREAU.

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 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Financial, keeps calling more than 3 times a day everyday trying to collect payment. They have a 10 day grace period for the payment to be submitted and within 3- 5 days they are already calling and sending letters to both myself and co-signer. These calls and letters are very stressing and distracting. Even if I contact them and try to work the issue out with them I am still getting harassing phone calls throughout the whole day. The letters state that they are going to mark my account as delinquent.

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 2017-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX TransUnion, and XXXX keeps adding information to my credit report that is false, been deleted or not mine.

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 2015-09-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX is doing hard inquiry on my credit and I did not authorize nor give them permission to view my reports and XXXX do not have an account with them for anything. When I call them to have them remove the inquiry and stop running my credit my number is blocked and I ca n't speak to any human nor get them on the phone. The first time it was XXXX XXXX, 2015 and the XXXX time was XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation