vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
On XXXX XXXX, 2017. I called Ideal Collection Services in XXXX, XXXX after I had received a letter from them. They were collecting for an outstanding repair fee for an apartment I used to rent over a year ago. They were apparently going after me for some fees that remained even though I paid and signed off on everything. They hired this third party I guess to try and collect. Never ever have I ever experienced such an incredibly rude and demeaning company as this. I went along with all they wanted in order to resolve it, I asked for 1 more day to do it! They told me they could n't do it and told me when I call back I would need to pay the full amount. That if this were not done the account would be reported to the credit bureaus would and hung up. I called again and asked to speak with someone else and they told me I could n't I explained that I wanted to pay it but wanted to speak with someone else, again they told me to call back when I was ready to pay and hung up again. I again called and wanted to speak to someone different and again was told I could not. I could n't believe this was an allowable practice. I was willing to pay and resolve the issue yet it almost seemed like they did n't want me to! All I can think was how incredibly evil this person was. Not sure how she sleeps at night. And shame on this company for having people like this on their staff. I do not want this to reflect on my credit and I am willing to pay it. I was so cooperative and soft spoken and they completely belittled me and did not want to help me at all. They now do not even pick up when I call. I just want to deal with another person as I refuse to be treated that way. At one point I told her I was going to report them and complain in which she responded, who are you going to complain to? '' in a totally condescending way. Like there was no one who I could complain to. I literally was sick after this incident.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I responded to a marketing offer for XXXX XXXX XXXX miles if I opened a credit card account with Citibank. I had to make {$3000.00} in purchases within the first 3 months of opening the account. After I fulfilled this requirement, I never received the promised XXXX miles. When I called to complain, XXXX at the XXXX Florida call center told me I was not eligible for the offer because I had a similar account open within the last 24 months. However, he would not tell me when the past account was opened and closed. 

Two points 1 ) I believe it was more than 24 months between my closing the previous account and opening the new one. 
2 ) If Citibank had no intention of fulfilling their part of the deal ( ie. XXXX miles ), they should have notified me of that fact when I applied. The fact that they did n't means they made a deceptive offer to me and knew they were deceiving 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 2017-10-09 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: NY

Complaint narrative:
Equifax has consistently been informed and sent documentation regarding their mixed information with my sisters file and mine. The excuse has been that since we lived in the same address ( as kids ), and have Similar first names this has happened. My sister name is XXXX middle name XXXX XXXX. My name is XXXX XXXX, different fathers. I dont understand how she has her business transactions under her social security number and dob, and still I get her information linked to mine. My current situation is that my sisters married name has been attached to my credit file in equifax. I paid XXXX XXXX to remove my sisters accounts from my file, but equifax still is negligent in removing her marriage name from mine. She is now divorced by the way. I have sent my Id documents to equifax including my birth certificate, License and social security number repeatedly and I still nothing has been corrected. My last dispute # XXXX report still has XXXX as my middle name. This is my sisters married name! Its their mistake.. XXXX XXXX asked them to show any accounts under that name and my social and they proven wrong. Help me please! Its been almost a year with the same issue. They keep merging our accounts which are totally different and in different states. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi, I had a " hard inquiry '' placed on my Transunion credit report due to an inquiry I inadvertently made through XXXX XXXX. This inquiry was with XXXX XXXX who I do business with as I have XXXX XXXX XXXX with them. Outside of my error of making an inquiry, I already do business with XXXX XXXX so this mistaken inquiry should not be a hard inquiry damaging my credit. I spent a lot of time on the Transunion website and they do not allow disputes for hard inquiries. 
Can you please help me? 
Thank you.

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 2017-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX XXXX Property Address ) to M & T Bank. 
In my correspondence ( please see attachment ), I informed M & T Bank that I was making a qualified written request under Section XXXX of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX XXXX : XXXX ) Appraisal XXXX ) Copy of Contract for Deed XXXX ) Copies of Property Inspections XXXX ) Escrow Statements / Annual Accounting Statements XXXX ) Homeowner Insurance Payments Paid by Loan Servicer XXXX ) XXXX Dues and Special Assessments Paid by Loan Servicer XXXX ) Loan Assignments, Loan Servicing Documents, etc. 
XXXX XXXX Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. 
I informed M & T Bank that under Section XXXX of RESPA they were required to acknowledge my request within XXXX business days and that they must try to resolve my issue within XXXX business days. However, I still have not received any type of response.

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 2017-10-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
IN REGARDS TO : CONNS CREDIT CORP : XXXX XXXX XXXX XXXX, TEXAS XXXX ; I SENT A CERTIFIED LETTER RECEIVED XXXX XXXX 2017 BY AGENT XXXX XXXX THROUGH USPS. I REQUESTED THE VALIDITY OF THE 2 ACCOUNT DEBTS THAT APPEAR AS DUPLICATE ACCOUNTS. I KNOW NOTHING OF AS THEY ARE REPORTING. INFORMED THEM THAT IF ANY NEGATIVE MARK IS FOUND ON ANY OF MY CREDIT REPORTS BY THEIR COMPANY DURING THE IVESTAGATION OF VALIDATION WOULD BE A VIOLATION OF THE FAIR REDIT REPORTING ACT. IN WHICH THEY REPORTED A FEW DAYS AFTER RECEIVING MY REQUEST OF VALIDATION TO VERIFY MY PROOF OF BURDEN. I HAVE NOT RECEIVED ANY CORRESONDENCE LETTERS FROM CONNS CREDIT CORP YET. I 'VE GROWN TIRED AND VERY ANGRY WITH THE WAY I 'VE HAVE BEEN TREATED BY CONNS CREDIT CORP. THEY HAVE VIOLATED ALL FAIR CREDIT REPORTING PRACTICES. MY NEXT STEP IS TO FILE WITH BBB, FTC, ATTORNEY GENERALS OFFICE, TEXAS COMPTROLLERS OFFICES AND SO UNTIL THE MATTER IS RESOLVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I am a XXXX year checking account customer of BB & T Bank . On XXXX XXXX XXXX, BB & T changed my checking account to some sort " XXXX '' status without my consent and began churning my account for an excessive {$30.00} per month Junk Fee. I receive no benefit at all in exchange for this excessive Junk Fee. 

My account will continue to be churned by BB & T for an additional {$30.00} Junk Fee every month until I close this account. 

The attached picture shows that BB & T has already charged a {$30.00} fee, while paying only XXXX cents of interest.

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 2017-10-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We formed XXXX corporations for the purchase of a dental practice and its building. The first corporation is XXXX XXXX XXXX XXXX XXXX and the second corporation is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX was to buy the dental practice through a practice loan and a line of credit, while XXXX XXXX XXXX was to buy the real estate/building through a real estate loan. TD Bank requested that XXXX XXXX XXXX XXXX XXXX pay {$4000.00} for a good faith deposit on the practice loan and {$250.00} for the line of credit. TD Bank did NOT request XXXX XXXX XXXX to put a deposit for the real estate/building loan. The purchase of the practice did NOT go through and we ( XXXX XXXX XXXX XXXX XXXX XXXX requested our good faith deposit back. XXXX TXXXX XXXX XXXX XXXX did not incur any fees during the process, but yet TD Bank felt that since XXXX XXXX XXXX ( a whole different corporation that we own ) incur fees from third parties, that they would transfer the money from XXXX XXXX XXXX XXXX XXXX 's deposit to pay the third parties fees without our consent. We talked to TD Bank about this, but the person in charge, XXXX XXXX XXXX TD Bank XXXX XXXX, does not care that he was taking money from XXXX corporation to pay the other. 

Instead of XXXX XXXX XXXX XXXX XXXX getting the full {$4200.00} deposit back, they will only give us {$760.00} back. 

We tried to contacting them, but they have been ignoring us. 

Once again XXXX XXXX XXXX XXXX XXXX DID NOT INCUR ANY FEES DURING THE PROCESS

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
This company is repeatedly contacting me " on behalf '' of an acquaintance and claiming I am a " reference '' and need to call back. This is untrue. I am ignoring their calls and have no business with them, yet they keep harassing 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 2017-10-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have sent over XXXX letters to XXXX and Transunion requesting a proper and Complete Investigation of an account listed as XXXX XXXX, Account number XXXX, and amount reporting of {$540.00}. They have failed on all instances to do so just merely sending back verified and not sending proof. Just stating it was electronically verified. This is not sufficient at all. They do not legally have the right to keep this apart if my file. I have never in my entire life done business with this company that is reporting adversely to my credit report.

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 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX XXXX wanted to bill me full month dues oXXXX XXXX  for my final month upon cancelling my contract, but only wanted to grant me access for 10 days rather than full 30 days " in order to prevent me from being billed again ''. Upon reviewing my contract, there was no such clause. The prorated amount owed to XXXX XXXX for 10 day access for XXXX 2017 is calculated at XXXX. I am willing to pay the legally owed amount.
I contacted XXXX XXXX in writing to dispute the amount and offered to settle, but they ignored my letter and have continued to have third-party collection agencies try to collect this invalid debt.

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 2017-10-09 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: IL

Complaint narrative:
I went to Experian website and tried to freeze my credit info approximately 4 weeks ago. I received an email back from them with a PIN number to be used to access my account online. The day after I froze my account I tried to access my account to verify that it was in fact frozen. I could not access my account, I kept getting messages that my email address or PIN was incorrect. I started calling the phone number listed on their website for help that day, and I have tried at least 8 different times at various times of the day and waited on hold each time anywhere between 35 minutes to 75 minutes. I WAS NEVER, EVER ABLE TO REACH ANYONE. The company obviously does not wish to assist consumers or they would employ more people to answer the phones. They have no email address to file complaints or to seek help listed on their website.. Their on line freeze program obviously has a design flaw as even when I enter my email and social security number I get an error message that they can not find me ... .. but yet they were able to charge me for supposedly freezing my account.
Why ca n't Congress and Federal Agencies such as yours hold these companies to standard business ethics?? Is everyone in D.C. controlled by the criminal LOBBYISTS??
I am very disappointed in the way these companies are allowed to operate. They should be held to a much higher standard in protecting our financial data. The recent Congressional hearings aired on TV were a complete joke and I 'm sure no true consumer protection will be forthcoming.
A VERY DISAPPOINTED TAXPAYER

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 2017-10-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I first saw an address on my credit report that I did not recognize as well as XXXX XXXX ( whom I had no business with ). I contacted this property and was advised there was a broken lease ans an amount due. I advised them of not having and kmowledge of this and I was dismissed and advised me they could not give me any info even though they had ALL of my info. I had lived at XXXX XXXX XXXX XXXX XXXX XXXX for several years even at the time this lease was done and broken. I filed a police report and provided this info to XXXX XXXX via email XX/XX/2016 to XXXX XXXX ad XXXX XXXX. I have also fled complaints with CFPB, FTC, etc and currenty have my attorneys involved. I have XXXX XXXX and this is upsetting me. I applied for another apartmentand was advised to contact XXXX XXXX where I advised that XXXX XXXX have a Civil Judgment against me on Experian, that I WAS NEVER SERVED ON AND THAT THEIR info was removed from XXXX and XXXX after the police report ( that names XXXX XXXX ) was provided. There were other addresses on mh credit report ( places in XXXX and other States ) that were removed by XXXX and XXXX.This has been ongoing and XXXX XXXX filed a Civil Judgement on me and could have NEVER served ME and tjey did n't have the correct email when I spoke them. So who did they serve? Who receivedthe info? Why did they tell me they would handle this and then file an eviction om ME after I provided info that supports me being a victim of Identity Theft. XXXX and XXXX have already removed this

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 2017-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coin base is holding almost {$4000.00} of my money. Multiple times Ive tried to access my account and their website is not functioning properly in order for me to be able to do so. Ive contacted their support to bring this issue up with them and theyve only advised methods in which I do not have access to. Ive contacted support multiple times to address this concern considering the circumstances, with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: OH

Complaint narrative:
For years I 've have had multiple issues with the loans now being serviced by American Education Services. Initially, the loans were taken out by my mother but she used my personal information and forged my my signature. I did not find out about the loans until after I graduated in XX/XX/XXXX. Since then I have made over {$13000.00} in payments to different service companies, only to see my outstanding balance increase by {$14000.00}. In the past, they have told me the interest and late fees has accrued so much that any payments I 've made get applied there only.
Just recently, I completed my XXXX XXXX  program and the loans came off deferment. I have made {$2700.00} in payments since XX/XX/XXXX all of which were applied to interest and fees. I called and tried to make payments in the past, but they told me they could not accept my routing number and required I mail checks and then charged me a late fee. 

My husband is not receiving a paycheck now and the burden of these, combined with the misinformation and shark lending practices makes me feel as if I 'll never be able to get from out of debt. To have paid as much money as I have paid over the years only to have the balance greater than when I first found out about loans that were n't even signed by me has called significant stress. However, when I have inquired about the fact that I never signed for these loans I was told the only way to resolve the issue was to prosecute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: CA

Complaint narrative:
After obtaining my credit report I mailed a certified letter on XX/XX/XXXX to all 3 credit bureau 's. Also, after obtaining my report, I updated information that I found to be inaccurate and disputed a collection account. The collection account was from Diversified Consultants for the amount of {$220.00}, claiming the dates to be from XX/XX/XXXX-XX/XX/XXXX. On XX/XX/XXXX I sent a certified letter to Diversified Consultants asking them to verify and validate the debt that they have listed on my credit report. Validated debt shows an original contract with my signature on it. I also included in my dispute a hand written letter asking Diversified Consultants if they were legally able to attempt to collect the debt they claimed I owed. The reason I asked is because the address that was listed on my credit report was not listed on Florida 's Secretary of State website. As a consumer, I have rights and if Diversified Consultants can not validate this debt and if their business is inactive ; I want this debt deleted from my credit report ( all 3 bureaus ) or else I will pursue legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
XXXX did a back ground check on me and it showed up something that was not mine. I have never been convicted of a crime and i have never lived in XXXX AZ. I am XXXX year old and have never been in any kind of trouble. The case # is XXXX and is says it was a XXXX. 
Can you please get this fixed for me? 
Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
This company is reporting a negative account on my credit report, and we do n't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. 

I tried resolving the issue with XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. Also, I sent the company a letter on XXXX/XXXX/XXXX asking for a legal contract and there was no response.

Company response to consumer: Closed with explanation