vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I ordered 120 checks from Bank of America delivered to my address. The tracking information indicated that the checks were delivered to my address on XX/XX/XXXX. The checks never came. On XX/XX/XXXX, I contacted Bank of America to void the checks. The representative declined, stating that they could only issue a 12-month stop payment on the checks, after which they could be used by anyone who had access to them. I would then be able to issue another 12-month stop  payment ( assuming that I remembered in a year that I had these checks floating in the ether through no fault of my own ) for a {$30.00} fee ( again for a problem that occurred through no fault of my own ). I said that I wanted the checks voided. They declined. I asked for the situation to be escalated to someone higher up. The representative declined, and instead offered that I could also close the account and reopen a new one -- which would mean that I 'd have to reprogram any automatic payments associated with the account and routing numbers. This is preposterous, because it is common sense that banks should have a way to void checks they failed to deliver to paying customers.

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 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I call several week ago trying to get a copy of my report and score from. Transunion. I ways told previous that I would have it in 14 days Ike the Monitoring contract said. However, I call back to XXXX XXXX XXXX AL timeask again for my report. I talk to XXXX. She told me it will be 30 days. I want my score and report because they been taking out the money each month. The contract stated 7 to 14 business day. It been over 14 days. I do not know whether they send and someone else have it or if they have not because the employees are hard to understand what I am asking and IIt hard for me to understand what they are saying. My user isXXXX. I paid for both and I want them both.

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 2017-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SUNTRUST BANKS, INC.
State: IL

Complaint narrative:
SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX. 
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX. 
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country. 
SunTrust had used my Social Security number and personal information. 
I have never asked or gave permission to open any types of accounts at SunTrust Bank. 
Would you please help me to solve Identity Taft by the SunTrust Bank. 
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone 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 2017-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Back in XX/XX/XXXX, Chase notified us that our escrow account was about {$2300.00} short and that they were going to spread this amount out over a period of months raising our monthly payment by about {$30.00} per month. I contacted them and asked for an explanation, and the information I got from them did not explain this sudden shortage. I then reviewed the tax bills and homeowner 's insurance costs for the last two or three years and the amounts that we were billed by the tax authority and XXXX XXXX appeared to match the amounts that was being deducted from our mortgage payment each month. This past year the taxes and homeowners insurance were totaled about {$130.00} more than the 12 months of escrow deductions. The deductions were not all the same, but most of them were in the vicinity of {$850.00} out of {$2900.00} monthly payment. 
I would just like a plausible explanation for this shortage. Our X/XX/2017 statement says {$980.00} was paid to escrow. If that amount was paid for 12 months, that would exceed the annual taxes and homeowners insurance by almost {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.

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 2017-11-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services
State: CA

Complaint narrative:
My lXXXX school loan was serviced by ACS for four years and the website now directs me to login to Conduent, the new servicer. On XX/XX/XXXX, I received an email from ACS/ Conduent, which I attached below, indicating there would be no changes in how I login or make payments. However, I have been unable to login for weeks. The " new '' Conduent website recognizes my username and password but has been giving me an error message that the " service [ I ] just requested is unavailable '' so I am unable to login and make a payment on time. While Conduent seems to recognize my account ( because it recognizes my username and password AND when I tried to make a new account to see if that was the problem, it said my account already existed ), it also does not recognize my social security number and claims there is no account associated with that number. 
Conduent purchased my loan and is not allowing me to make a payment at all, let alone on time. I can not email them a question because it requires an account number, which they do not recognize, and I have been unable to reach an actual person on the phone ever since I first tried on XX/XX/XXXX and have called everyday since ( now XX/XX/XXXX ). 
I have seen numerous recent complaints about this online with people having the exact same problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am uploading additional information pertaining to a previous problem I had with information on my credit reports that were showing a bankruptcy. The upload letter is from the bank stating there was no bankruptcy and that Information is to be deleted. However I still have an issue with this credit union because I did not have 2 loans with them. All loans were combined previous loans were paid off in full. This letter states there are 2 separate loans that is completely incorrect. I only had one loan with them that is supposed to be deleted off my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

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 2017-11-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of 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 explanation
Consumer complaint received 2017-11-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has proven their incompetence several times. Now again they did n't correct an error on a XXXX account showing closed by credit grantor, which I contested it that it was closed by consumer, although they acknowledged proof I have sent they still not correcting it. They forcing me to start litigation! this company is not complying with FCRA guidelines.

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 2017-11-19 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 two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. XXXX from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

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 2017-11-19 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: CA

Complaint narrative:
I have sent two sets of letters to have inquiries removed that I did not authorize. XXXX inquiries are concerning property rentals which I didnt authorize and live in a house and wasnt looking to move. One from a credit card I didnt solicit and declined their credit offer and they closed the account when I contacted the creditor and lastly a inquiry for a car purchase when I had my financing in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: MA

Complaint narrative:
got sick in 2016 and i have no place to go i am a edley man and it is very cold side

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.

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 2017-11-19 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: TX

Complaint narrative:
I received a request for feedback and I was unable to sign in to provide that feedback. In my opinion the Complaints that I have filed with CFPB are being sent to the reporting agencies and the agencies spins the Complaint are offer incorrect information without the proper investigation and provide the same erroneous responses. Again, I request an indept investigation into the issues surrounding my Complaints. Also under the Freedom Of Information Acts I be provided a copy of all the Records and communications that are in my Credit History File. If the CFPB is not genuinely willing to assist with getting to the bottom of the improper behavior by these reporting agencies please provide me with the government agencies who would have oversight of this type of 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 explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Someone using Bank of America Credit Card Services signed up for E-Statements using my Email address instead of theirs. 

I contacted Bank of America by phone and email several times to alert them to the obvious privacy issues. The instead treated me like a criminal and no corrective actions were taken. 

I am still receiving someone else 's E-Statements. There is no unsubscribe link. 

If someone was getting my E-Statements they alerted my bank to this blatant issue, I would hope that my bank would try to correct 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 2017-11-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX {$9000.00}

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 2017-11-19 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: Clarity Services
State: CA

Complaint narrative:
I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and XXXX XXXX XXXX XXXX have ignored my request for proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Kohls/CapOne XXXX The basis for my dispute is ALLEGED - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after Kohls/CapOnefailed to notify  me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, Kohls/CapOne '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Kohls/CapOne failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Kohls/CapOne is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.AppXXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation