vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-26 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: GA

Complaint narrative:
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 2017-10-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I had gotten XXXX XXXX satellite services on XXXX XXXX, XXXX, after being installed I had lots of problems receiving signal ; I called them to cancel my services on XXXX XXXX, XXXX. I cancelled because within a 3 month time period, I had to call them in reference to lost signal/no service, a total of XXXX or 7 times. Whenever I called a representative would walk me through detailed steps to correct the problem in which this did not work. I would be asked to check the satellite to be sure nothing was blocking it or nothing was on it, which I did go outside and check it out ... ... it was all okay. Around the middle part of XXXX XXXX, a technician came by to fix the problem, it worked only for awhile. The last week of XXXX XXXX, a technician came to the house to fix the problem, which it worked only for a little over a week ; so I called back and was told that a technician would have to come out and fix it, but it would be 3 days before one could get by here. I was tired of calling XXXX XXXX every month about no signal/lost service, so I requested them to cancel out my services and not charge me for services I was unable to use and let me out of the 2 year contract agreement. I was informed that it is required for a technician to come out at least 4 times before letting me out of the agreement. After doing some very serious thinking and talking with neighbors who also had gotten XXXX XXXX and they did not have any problems with their services working correctly ; I called to cancel because this was not right at all.

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 2017-10-26 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: Credit Plus Inc
State: GA

Complaint narrative:
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I have noticed several inquires being processed by the name of XXXX XXXX XXXX in which is affecting my credit. I feel as if i am a victim of identity theft but i am still getting letters back stating that the inquiries are factual in which they are not. The inquiries are Ally Financial XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX GA XXXX/XXXX/XXXX, XXXX XXXX submitted a inquiry on XXXX/XXXX/XXXX and i never authorized this they sent me an application with my information and my ssn did not match and they told me that it was me in which it was not. I am highly upset because credit is very important to me and with all of these security breeches how can i confirm anything when my identity has been stolen.

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 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Equifax indicates that my credit information MAY have bee compromised with the XXXX XXXX stolen credit records. 
I have been trying to enroll in their credit monitoring system since the hack was reported. 
I attempted to enroll in their online system on XXXX, and multiple times since then, only to be told " the system is unavailable-try again ''. 
After weeks of this response, I called their customer service number and I was told on XXXX/XXXX/XXXX that " we will escalate this to our technical support team-they will respond within XXXX business days. 
Equifax advertises that consumers are offered free credit monitoring services as a result of their security breaches, but a consumer can not take advantage of this offer if they can not enroll in the service. 
Equifax should be held accountable for their breach and provide this service immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Hi. I 'm lodging a formal complaint against m & t bank. I made XXXX mobile deposits. XXXX for {$480.00}, and another for {$490.00}. The next day M & t puts a hold on my deposit, no problem. The problem is I had {$120.00} available which they held also. That money was for my son daycare now I 'm losing money at work because I have to stay at home and watch my son. I am requesting m & t close my account immediately and mail me my funds! I do not want to do business with a bank that will jeopardize my family because they XXXX XXXX  put a hold on my entire account instead of just holding the deposited funds.

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 2017-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I noticed unauthorized charges of over {$4000.00} taken out on my checking acct after returning from a 4 day stay in XXXX, NV. i reported them quickly to XXXX XXXX. 
I filed claims and was checking on the status daily for close to XXXX weeks. Several times i was told by superiors that the following day my funds would be credited back in my account. I dont believe that the bank would even allow that amount to be taken out of my acct.in one evening. I had to get authorization from them to once withdraw {$400.00} in one day at an atm. But yet they allowed over {$4000.00} to be taken. 
What happened to exceeding the daily limit to protect me. This is clearly an error on their part. But B of A is denying my claim. They have never reached out to me. I know this from getting updates from calling them, daily. They XXXX XXXX my pin and XXXX werent stolen, im responsible because the chip was used at every transaction. I explained how the card and pin were left in my vehicles glove dept. I valet parked at least 6 times that evening. 
I took out a car title loan to help us through our hard times. Now i have no electricity for over 10 days now. All my food spoiled. My water is getting shut off today, all because i cant pay my bills because my funds were taken. No credit was ever issued back to my acct. I did not take that money from my acct and regret ever depositing it. XXXX are my rights. I know im being taken advantage of. 
Sincerely, XXXX XXXX https : XXXX I filed two complaints on the XXXX & XXXX of 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 monetary relief
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I submitted all required documents to place a fraud alert, fraud account block on my report and equifax refuses to comply with the FCRA and/or FTC laws and placing this account block, every piece of information they requested was faxed and done twice, and this case is a refusal by this company, equifax to comply, and was told it was there policy, this is not a normal dispute, this is a serious matter that they are breaking laws and will face suit in XXXX XXXX, Mississippi within 15 days if they are not made to comply with the laws to protect consumers as which they are simply ignoring and are not made to abide by. I want this file blocked per ; The Fair Credit Reporting Act, 15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. [ 1 ] Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, [ 2 ] and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Key 2 Recovery, Inc.
State: NJ

Complaint narrative:
I receive calls from a " XXXX '' representing " Keys to '' or " 2 '' looking for a XXXX XXXX who I am not. I have explained to this " XXXX '' several times over several phone calls that I do not know who this XXXX XXXX nor do I know how to reach him. 
I asked repeatedly told her to stop calling me as this is harassment. She previously stated that she would take me off her list but she obviously has not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I secured a loan with Santander in XXXX for {$22000.00} and have been paying {$550.00} which, total payments over {$28000.00} and was advised by the XXXX that I still owe over {$18000.00}. This company has been applying my payments toward interest stating it depends on what day the payment is posted that determine what will be applied to principle. I 've requested all payments and signed application and as of today, still have not received any correspondences from the lender. This is a very negative impact on my credit report and I 'm paying {$14000.00} more for a vehicle that is only appraising at {$6500.00}. I stuck paying back loan for additional year because of the hidden fees and misapplied payments. Unable to trade in vehicle because of the negative balance of {$14000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX I made a principal reduction payment in the amount of {$200000.00} to my mortgage being serviced by PHH. An initial letter received from PHH indicated that my new monthly payment would adjust to the lower amount with the XX/XX/XXXX payment. However, on a bout XX/XX/XXXX a representative from PHH stated orally by telephone that my monthly payment would be adjusted to the lower amount for XX/XX/XXXX if my principal reduction payment was received before XX/XX/XXXX. It is outrageous that PHH is allowed to hold my funds for 75 days before affecting my monthly payments and overcharging related interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
when making a online payment they require the routing number from either checking or savings, they will not allow any other method when making a payment by phone they charge {$10.00} per payment as a fee per payment. I refuse to give my routing number to anyone for obvious reasons and charging {$10.00} per payment via phone seems steep

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 2017-10-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
In XXXX, XXXX, I entered a written dispute with ACCOUNT RESOLUTION SERVICES reference account number XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which did not belong to me. Moreover, said account appears twice on my consumer credit profile notwithstanding the allegation of a single debt owed. ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of antiquated credit reporting. As such, my credit worthiness has been negatively impacted by the erroneous reporting of this account. A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. Several phone calls to ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim that the account did not belong to me. At this point the call was terminated. My written dispute remains outstanding. Said account remains on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of false reporting.

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 2017-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
The mortgage was paid off in full on XXXX/XXXX/XXXX and Bank of America submitted the Deed of Release to XXXX XXXX, XXXX XXXX XXXX of Deeds. The instrument number that Bank of America submitted was voided due to missing an e-file certification page. Bank of America never resubmitted the release of deed. I am currently trying to sell the house and I am having issues trying to get this from Bank of America. I have contacted them over XXXX times and feel that nothing has been accomplished. I do not know what steps I need to take next in order to obtain this release of deeds from them. I am attaching the instrument number that Bank of America initially submitted that was voided.

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 2017-10-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NJ

Complaint narrative:
I have never attended college. I have a loan that surprised me for {$100000.00} with XXXX. When I call they can not tell me where this loan originated from, which school the money was dispersed to, or which student the money is linked to. 

When I call the XXXX XXXX XXXX XXXX they state that this loan was one loan for {$75000.00}. There is no master promissory note or documentation assigned to this loan. They also can not tell me where the money was dispersed to, which student it is linked to, or where the loan originated from.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26 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: IL

Complaint narrative:
I have contacted Transunion on several different dates to have fraudulent inquires removed. I have mailed in all the required documents on two separate occasions, by certified mail. On two of the phone calls I spoke with someone who said they received the documentation and would remove them, but before I received the conformation number the phone was disconnected. I called back twice after that and they are now saying they do not have the documentation and they can not remove the inquiries. The last phone call I made was on XXXX XXXX, XXXX at XXXX am and I spoke with a supervisor name XXXX XXXX and he stated that they do have any documentation from me stating that these inquiries are fraudulent. He informed that they could not remove them.

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 2017-10-26 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: CA

Complaint narrative:
On XXXX/XXXX/XXXX I contacted Direct Express at XXXX XXXX and spoke with customer service to dispute a transaction on XXXX/XXXX/XXXX of {$92.00} with XXXX XXXX They said they were transferring me to Dispute Department but I was redirected by the voice system to a recorded message telling me to call back and hund up. On my second attempt the same thing happened. i want to open a dispute for this transaction. I never checked in to this hotel or check out. There is no camera footage of me doing so. A family member was delayed getting into town. The hotel would not allow me to make adjustments well in advance. I want this transaction reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
No contractual obligation/agreement Pass 30 days and not in dispute NO RESPONSE delivered XXXX Inaccuracies : Incomplete account number Inaccurate date open/placed for collection Estimated month/year removal date is Inaccurate & Incomplete Missing monthly payment Missing past due amount Missing date of last payment Due to these inaccuracies this account was removed from other bureaus ( XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There is a so-called builder in Texas name XXXX XXXX who has been fraudulently opening accounts in my name for an entire year. He is not acting alone, he has employed the services of various car lots and bank reps. For example, he was able to purchase ( 2 ) $ XXXX worth of XXXX XXXX in Texas, under my personal and business credentials, without my knowledge or consent. For an entire year, I have at least disputed this fraud with Equifax at least 8 times, all of the fraudulent accounts that have posted to my credit file, along with several police reports and an FTC report.. Since XXXX XXXX, XXXX, I have again filed XXXX fraud disputes with Equifax. They ( Equifax XXXX never investigated my fraud claims. Equifax has yet to send me any evidence that a fraud claim was ever investigated. They keep updating my credit report with the same negative status. I am uploading documents to support my claim. This is my last effort of pleading with Equifax to remove and block the fraudulent accounts, and to properly restore my credit., prior to filing a lawsuit for damages against Equifax XXXX

Company response to consumer: Closed with explanation