vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America will not stop harassing me with phone calls, even though I have told them to stop and they can see we 've made the payment on our travel trailer. These are robocalls. You say hello and no one is be replies for a few seconds. We scheduled our payment ON THEIR WEBSITE for a future date. They STILL call. This month, they called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Several of these days, they called 4 and 5 times a day. If I answer, and I 've grown weary and tired of explaining the same thing over and over, they still can not get it through their heads that we scheduled the payment. There was one female who was very nice and even offered to credit a late fee they had charged this month, which tells me the calls should have stopped then, but they did not. They restarted the next day! I suspect this is a hired outside company, because they say they have no access to BOA systems? This makes it all the more egregious. It is upsetting and stressful. They 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 2017-06-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: KEYCORP
State: OH

Complaint narrative:
I am attempting to use a third party app called " XXXX XXXX '' that loans you money from you next paycheck without fees! However my financial institute " Key Bank '' does n't convey my transactions to " active hours '' in a timely manner. I have attempted to contact key bank through phone and social media to no avail. If " key Bank '' would just release my transactions history to this one app, I would be ecstatic.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: HW Holding, Inc
State: TX

Complaint narrative:
Hunter Warfield is reporting an inaccurate collection account which they have no proof of. They claim they are collecting on behalf of XXXX XXXX for carpet replacement due to damages they said I made to the carpet when I lived there but they have no proof. Last year, I contacted Hunter Warfield to  dispute the debt and to inform them I had no knowledge of such damages and asked them for before and after pictures of the carpet showing the condition when I moved in and pictures of the carpet when I moved out, as well as a copy of the receipt showing the amount XXXX XXXX paid to supposedly replace the carpet which they are charging me for. I also informed them that the carpet was old and had stains when I moved in and that I had included that on my move-in inspection list which I turned in to XXXX XXXX. After 30 days of my dispute to Hunter Warfield, they sent me a letter notifying me they were not able to obtain the proof so they agreed to remove from my credit. Which they did. This year, Hunter Warfield sent me a letter they obtained from XXXX XXXX saying I owed for carpet repairs as their proof. That is not proof. Pictures and receipts are proof. Anyone can just type up a statement saying I owe them money but that does not mean it is true. XXXX is just trying to get me to pay for new carpet because it was already old and needed replacing. Also the move in check list I gave XXXX XXXX when I moved in is my proof that the carpet was already stained.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called JP Morgan and  chase  on  XXXX / XXXX / 2017  where they mysteriously told me that my account is closed and they can do it anytime at their discretion which is true but if they had closed the account I called in on  XXXX / XXXX / 2017  to send in a wire of {$220000.00} as I work for an international company and it 's on record they gave the account details including the  XXXX   code  and all whereas they could 've simply told me the account is closed. They have even blocked my funds amounting to {$9300.00} without my approval. I would request urgent assistance as these are the only funds I have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: WI

Complaint narrative:
Trying to use XXXX XXXX and on there app it is showing that my account in still in the negative. I spoke to my bank and they remove what has had my account in the negative. And on the app it is still show nothing changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a request to this company to remove unverified accounts that are on my credit report in violation of 15 U.S.C. 1681. They have not done so. The Fair Credit Reporting Act requires every agency that reports credit events ( including TransUnion, NOT JUST THE ORIGINAL CREDITOR ) to keep in their OWN files VERIFIABLE PROOF of everything they report. BY LAW, this proof should come from TRANSUNION, as well as the original creditor. This burden lies of proof lies with them and they ignored it themselves and passed it off to the original creditor. TRANSUNION did NOT send me, from their own files, documents used to verify these accounts. Nor did they send me the name/contact information of the person in their company who " verified '' the information. Them stating that they have reached out to the original creditors for information about the account tells all of us, they have not maintained verifiable information in their own ( TransUnion 's ) personal files. They HAVE NOT produced the copy of the ORIGINAL CREDITORS DOCUMENTATION with my SIGNATURE that should be in their records AT ALL TIMES. I AM DEMANDING THAT TRANSUNION DELETE THESE UNVERIFIED ACCOUNTS IMMEDIATELY : -XXXX XXXX- Acct # XXXX XXXX  Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX -XXXX Acct # XXXX ... XXXX XXXX  Acct # XXXX ... XXXX I will gladly hire a lawyer as the law is not being upheld, and I will also go to Social Media Outlets to express my dissatisfaction.

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 2017-06-23 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: FL

Complaint narrative:
victim on credit inquiry and negative information reported on credit report.. I called the credit companies filed complains with them not solved i have negative information on my credit report from XXXX that was reported a payment was sent then returned back into my account because the bank could not match info when i checked i found out later with out notice that payment was sent back. account is settled and paid for XXXX XXXX is still reported negative info on my credit file .. Inquiries on my credit report from XXXX XXXX recently they requested my file on XXXX XXXX XXXX which resulted in a hard inquiry and from XXXX inquiry when i called i found it was from an auto loan place on XXXX XXXX XXXX inquiry. XXXX XXXX which i never authorized a copy of my report which results in a the inquires and negative info report on all XXXX bureas and this is really hurting 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 2017-06-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Im trying to unlock my credit report from Experian. I was unable to answer the question correctly. I 've called Experian trying to correct the issue. But they are unable to help. They did send my personal PIN to the incorrect address, so someone else other then my self has my PIN. I told Experian about this and they said mistake happen and they we not concerned they sent my PIN to another person.

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 2017-06-23 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Both American Express and   XXXX   XXXX    XXXX  " charged-off '' and " written-off '' my debt. According to the definition of the above it states that both companie s Charge of f means that the credit grantor wrote your account off of their receivables as a loss.   They have both gotten judgements and put a lien on the title of my home. I am verified  XXXX   XXXX  and this has been communicated to both parties before and during legal action in the courts was taken. I have written  XXXX   County Superior Court to no avail. Although I do still owe the money, these compa nies are breaking the law by double dipping. Why the courts protect the big banks over   XXXX    XXXX  persons is a serious injustice and I would like to see accountability in this matter. Part of being  XXXX  is to say that I am no longer able to work, notwithstanding money is in short supply. As such, hiring an attorney to get these liens off of my title is not an option. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: CA

Complaint narrative:
I have sent 2 multiple inquiry letters to Transunion within these 60 days. I also had a fraud alert placed on my credit file on XXXX XXXX, 2017 that indicates anyone who runs my credit needs to call me verify my personal information and that was n't done and that violates my rights as a consumer. I explained to multiple CSR that their are multiples of certain places of inquiries that definitely indicate fraudulent activity but they do n't care. I reached out to the Transunion on more than one occasion to advise of my credit being pulled without my permission. They keep telling me there 's nothing they can do and inquiries are factual and no real foot work has been done to help me the consumer resolve this issue.

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 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: FL

Complaint narrative:
OnXX/XX/XXXX2015, I took out three phones from XXXX with a family plan. A week later, I returned all three phones on the store, located at XXXX, XXXX County, Florida because the phone connections do not meet our expectations. Since I returned my phones to XXXX because the expected signals did not meet our family expectations, and I paid the appropriate fees for that transaction, and I am not obligated to pay anything to this company. However, XXXX has tried to collect a debt of {$830.00} with different collection companies. They have hurt my credit inappropriately and despite my phone is placed in " Do not call list '' they are continuing calling me looking for the " supposed '' debt. Despite, I have sent several letters requesting a Video recorded analysis in the store in which the supposed transaction was done, they have omitted this fact and they just send me bills with no signatures with my name at the top. Please, investigate this complaint and have them to remove it record from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
My account is now handled by the Equifax Consumer Affairs and I would like for it to be REMOVED. They are rude, inconsiderate and just blatantly hang up on you because I ca n't pull m info anymore. This is N OT HOW you t reat consumers!! I would like for my account to be removed ASAP! I ca n't pull my score for free or reports anymore something has happened and this was months after they started handling my account. I should be able to monitor my report and not call a rude  XXXX  department

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
I submitted a complete modification packet on XXXX/2017. Which were 37 days before my sale date. However Nationstar refuses to review my loan for any workout option. I have a increase of income I am making {$4800.00} per month. On XXXX/2017 I spoke with Agent XXXX XXXX he stated even if I was to show a income of one million. I still wont be eligible for a modification.
<P/>
I am doing everything I can to show Nationstar my intentions are to keep my home, I know most of the government modifications programs are over. However ; I can still be offer a in house modification. or something from my private investor. Because my home is under water. I was told by Agent XXXX id # XXXX Nationstar takes into consideration the estimated market value, delinquency of the loan and the pending principle balance to offer an affordable payment.
<P/>
Nationstar is using as an excused my active sale date for XXXX2017. Even though my packet was fax 37 days before the sale date. I follow the guidelines and still Nationstar refuses to work with me. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
CRA ... TRANSUNION AND XXXX ... REPORTING INCORRECT " XXXX '' DATA INFOR AND NOT MY ACCOUNTS, NEVER HAD ANY PUBLIC RECORDS, REMOVE BANKRUPTCY FROM FILE, SAME DATA REPORTED 2X ON FILE, OUTDATED INFOR ON FILE, VIOLATES FCRA PROVISION 604,605,607,611 AND 623

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 2017-06-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education
State: VA

Complaint narrative:
I am a XXXX XXXX at the XXXX XXXX XXXX XXXX  ( XXXX ). I have a Direct Consolidation Loan that is serviced by XXXX XXXX XXXX XXXX. My employer, the XXXX, has a student loan repayment program ( SLRP ). As part of the annual application process for its SLRP, the XXXX gives me a loan data verification form that I am required to forward to XXXX, so that XXXX can confirm certain details about my student loan. This XXXX form, together with the XXXX XXXX cover letter, asks XXXX to return the completed forms directly to the XXXX, either by mail, email, or fax. I submitted this XXXX form to XXXX  on XX/XX/XXXX, using their " File Upload '' feature on my account portal. Three weeks later, XXXX still has not supplied this information to the XXXX. I have contacted XXXX  multiple times, both by email and over the phone, and they keep telling me that it can take them 30 business days or longer to process such a request. I do not believe it is acceptable for XXXX to take so long to process such a simple request for information. In fact, last year, in XX/XX/XXXX, XXXX faxed the completed form to the XXXX the very next day after I submitted the request to XXXX. They are now either incapable of providing a minimum level of customer service to the borrowers whose loans they service, or they are deliberately trying to impede my ability to accelerate repayment of my loan through the XXXX XXXX SLRP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I became XXXX on XX/XX/XXXX, and lost my job due to said XXXX in XX/XX/XXXX. I contacted Navient about my private student loan ( or Signature Student Loan, as it is referred to on my account ). They told me I have no more forbearance and it would go to collections. They will offer me no lower payment. Since that time, I have been receiving 8 collection calls/day. When I called Navient, they said that they know how many times a day they can call, and that number is 8. They said they have their own internal collections. They do call between the specified times, but eight times per day. They said they are not harassing me, but trying to collect on a debt. Although I have been paying on this debt since XX/XX/XXXX, the principal alone is above the principal amount of the original loan. The original principal amount was {$29000.00}, and the payoff amount today is {$29000.00}. This has caused me to look at the history of my payments. I see that I was charged a {$920.00} " repayment fee '' at the inception of the loan. I have no idea what that is, or if it is legit. Additionally, I do n't see a total of how much I have actually paid already on the payment history. It sure seems like they would end up receiving a lot more than the principal amount than a person should have to pay. Especially for a student loan. <P/>They said they will send me paperwork to complete, and if they find that I am permanently XXXX, the loan can be forgiven. The calls will stop for seven days. I asked once before for them to stop calling me because I am XXXX and have no job, and they told me I have to request that every 7 days, or the calls will continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 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: AL

Complaint narrative:
I have sent multiple requests to have all NONE ACCOUNT HOLDING INQUIRIES taken off of my credit report, to Equifax, XXXX, and XXXX. These have been in separate letters roughly every 30 -45 days dating as far back asXX/XX/XXXX I have not received any sort of confirmation that this has been taken care of, and they refuse to give my any kind of explanation as to why I have over XXXX inquiries on my report and yet i only have very few accounts open. I do believe it is my right to have only an accurate description of my character displayed on my credit report and by these excessive inquiries, it hinders me from being able to obtain not only personal credit, but credit for my business and livelihood as well. I will supply you with all of the inquiries that are NONE ACCOUNT HOLDING below. Please let me know what can be done in regards to this. Again i have made several attempts to work with the credit reporting agencies and have them remove these, and they have made no attempts to comply with my request or even acknowledge my requests.
<P/>
Iquiries and dates : XXXX XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX-XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX XXXX XXXX # XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXXXXXX-XX/XX/XXXXXXXX XXXX- XX/XX/XXXX equifax mortgage services-XX/XX/XXXXAs you can clearly see, there is an excessive amount of inquiries that are none account holding, these are damaging my credit report and the Credit Reporting Agencies REFUSE to remove them. This is a violation of my rights and I demand they be removed from my credit file or in accordance to the FCRA i will file a motion for damages. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX/XXXX/2017 XXXX never received any bill to pay, no notice so i could validate as per fcra. Item just posted to my credit file

Company response to consumer: Closed with non-monetary relief