vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID

Complaint narrative:
With the XXXX data breach, my wife and I spent hours trying to 1 ) get our credit reports from Transunion, XXXX and XXXX, and 2 ) trying to freeze our accounts. I have finally received my credit reports from Transunion and XXXX on line but XXXX is requiring me to send them a letter with all kinds of documentation. I do not have time for this XXXX. My wife had to call Transunion to get a freeze on her credit and spent an hour on hold. Once connected the representative she could not understand the person due to a heavy accent. Why are these agencies permitted to hire non-American to deal with our sensitive information? How do we know they are n't selling it? I have disputed several mistakes on my credit reports ( wrong addresses ) without resolution. I have a very good credit score - I have never missed a payment or defaulted on a loan so my score should be perfect yet it is n't because I " do n't have the right kind of loans and I do n't keep a balance on my credit cards. '' What? I am a superb credit risk yet they judge me because I do n't take risks. Finally when we put freezes on our accounts we had to pay a {$6.00} fee to Transunion and XXXX for a total of {$24.00}. XXXX should be paying this not us as they made the XXXX up. This entire process needs to be shut down.

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 2017-09-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I signed up for equifax 's trustedid product. I went through the steps to active my account and then their website froze without me completing. I went back in to continue to process and the website said an account already exists and to call XXXX. I called that number. The first time I was told I would be transferred to the person to help me and was hung up. I called back and this time was told that there was nothing they could do at that number and I would have to call another number and they could not transfer me. I was given a new number to call XXXX which just rings busy. 

So now, I have an account activated with my personal information on a site that freezes and fails that I ca n't access. I ca n't get in touch with anyone to fix it and I am not sure where to go. 

I have attached a print out of the website giving me the direction to call XXXX. After calling and sitting on hold for XXXX minutes twice, I was told two different things by the reps and neither solved my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Within the last several days, a collection agency named Diversified Consultants started reporting a debt on my credit report. I have no outstanding, unpaid debts ; and this listing is a mistake. Furthermore, I received no notice of this account from Diversified Consultants INC, and would have certainly contested it, if given the opportunity. The Fair Debt Collection Practices Act states that a collection agency is required to give a 30 day notice to dispute BEFORE they report the account on one 's credit report. I was not afforded this opportunity, and this is a violation of my federal rights. This account just showed up on my report, without any notice at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: OH

Complaint narrative:
My ATM card was stolen and several unauthorized transactions appeared on my account. XXXX XXXX has denied my claim. They have n't even investigated. If they had, they would know that I did n't make these transactions. Also, they did n't even include all of the unauthorized transactions in my claim. They only included 2 ATM transactions and one debit card transaction. There were several others.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
The original member of Suntrust bank, XXXX XXXX, retired and in her place XXXX XXXX XXXX took over her assignments. He was unprofessional. Upon his first contact, he called on a Saturday to introduce himself. He proceeded by assuming that what I needed was down payment assistance when in reality I needed financing. When I stepped in to correct him the stated for me to let him " finish '' and that the call was simply a " courtesy call '' as he did not work weekends. I was unable to give him much more information since he appeared not to care. 

Given the horrible call, I still held faith in Suntrust to move forward with my financing. I had received conflicting information between the lender and the county and asked for his help, which he did not provide. He never pre-approved me even when I had sent him all of my documents. He insisted that I send him a copy of my social security card via an unsecured email server, he would not move forward after multiple emails granting him authorization to proceed and run my credit given that there is still funding in the program. The last straw was that he asked me to call the county and see if there was funding. 

He was literally going in circles and stringing me along. Given that this program is for people who do not make a lot of money and do not have any other previous homes, he took advantage of me and my situation. This is unacceptable and now I do not have a financing and I lost my chance at owning the property I liked because this was going for more than a month!

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 2017-09-21 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: PA

Complaint narrative:
I am receiving letters and email from American Educational Service about how much I owe on a student loan. I am unsure who and how much to pay. I receive letters from American Educational Service, and XXXX XXXX XXXX. 

I am unclearer how much i owe. I attended XXXX in XXXX and borrowed $ 30-38, 00. However, American Educational Services is sending me letters saying I owe over {$100.00}, 000.00. I am disputing this amount. I have verbally requested, when talking to the representative, to send me the original papers with my signature, on all my student loan. They have not responded to my request. They keep sending me information about how much i owe. I recently came out of default, and was paying XXXX. They added on {$13.00}, 000 to the loan. I payed the {$5.00} for 18 months to get out of default. 

This whole process has been confusing. You receive letters from various companies who say you owe the money for the school loan. No one wants to verify and information. There is a lot of fraud going on. This is why I am asking for verification with my signature, indicating that i applied for the school loan. 

Thank you,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: GA

Complaint narrative:
XXXX has called me several times over the years regarding a student loan ; initially I thought the loan was mine. As of late I am questioning the validity and merit of this loan as me being the true applicant. I am unable to speak about the loan with customer service because 1. The date of birth associated with the account is not MY date of birth, so I can never get passed their security questions. 

2. They asked me to send a photo ID showing my date of birth, which I did XXXX XXXX/XXXX/XXXX ) and they STILL refuse to speak with me about the loan. The date of birth on my drivers license is not the date of birth on their account. 

I do not believe this is my loan and have filed a complaint with credit bureau as well but have not been able to get any closure due to the fact that I do not know the persons date of birth on this loan. Please advise. Thank you kindly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meade & Associates, Inc.
State: MI

Complaint narrative:
I became aware of a debt for a returned check that is reported on my credit reports. I reached out to the company for information and when I received this I sent payment for the account as well as a request for the account to be deleted ( I sent this via certified mail in XXXX and am satisfied they received it ). I attempted to follow up with this account and asked if they would please respond to me in writing as to why they have refused to cash this payment. They responded by calling me. I once again reached out via mail ( certified ) to ask that they refrain from phone contact and to please send to me in writing why they will not cash this payment and update my account. They continue to report this as an unpaid debt to the credit bureaus and refuse to provide me with an explanation as to why they will not update this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WESTERN CONTROL SERVICES, INC.
State: CO

Complaint narrative:
recieved a recorded message on XXXX XXXX 2017 from a XXXX XXXX from Western Control Services stating " this is a call from a debt collector and read the mini-mirana " This communication is a attempt to collect a debt by a debt collector and any nformation obtain will be used for that purpose ''. left a number of XXXX XXXX XXXX i was entertainng some my family and they heard the message. according to the FDCP 805 ( a1 ) Commuincaton in connection with a debt should not be left on a recorder for anyone to hear. only name co name and phone numbr.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX Shoals BLF XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am the executor of my XXXX brother ... ..I set up an account with my local Chase bank to manage the account ... ..I recently received a check from the US Treasury Dept that has my name & my XXXX brothers name on the check ... .I tried to deposit that check into the established estate account ... .and my local Chase agent would not let me deposit that check into the established estate account ... ..!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I placed an order online with my American Express serve card. I mismatched the billing and shipping addresses and placed the order however the order never went through the money was still put on hold. It 's really important to me that I can correctly place this order as soon as possible but there is absolutely no customer support for the American Express serve card to help relieve the hold. If there was someone I could explain the situation to then I know they would be able to take care of the situation but there 's nobody but a menu to greet you when you call or get transferred for customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I noticed a significant drop in my credit score and because of the hack with XXXX I wanted to check on the issue. I tried to log into Experian numerous times and even though I reset my password, it 's still showing up as no account found. Like XXXX the site ask for you to enter your personal information including your social. The website just continues to loop around. Comments have been going around that hackers with personal information may try to freeze an account before the actual consumer have the chance to freeze it themselves. ( Please do n't say it 's not true, because we trusted the Credit agencies to keep out information secure and they failed also trying to get them to clear errors on a report is like pulling teeth XXXX Tried to log into the XXXX thru free annual credit report was kicked out. Tried to dispute errors for a {$710.00} amount on the Experian website from the breach they recently had, but I 'm constantly getting kicked out. It also list my spouse name is XXXX, I 'm not married. They need to stop hiding and start helping this is their mess. I 've already reached out to the Attorney General for the State of MA, my next move is to file legal action. 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 2017-09-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I HAVE A SAVING ACCOUNT WITH ALLY BANK. BANK CLOSE STATEMENT XXXX XXXX OF EVERY MONTH. TODAY, XXXX. I DID NOT RECEIVE MY STATEMENT BY XXXX. I CALLED THEIR CUSTOMER SERVICE BUT THEY NEVER CO OPERATE WITH CUSTOMER. THIS BANK HAD A VERY BAD CUSTOMER SERVICE. I CLOSED MY OTHER ACCOUNT IN XXXX XXXX BECAUSE OF THEIR HORRIBLE CUSTOMER SERVICE.

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 2017-09-21 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: GA

Complaint narrative:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with the credit agencies but they have not removed this inaccurate information from my credit file. I have address information that is incorrect on my credit file. This is a result of identity theft or they are reporting in error the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with Experian and XXXX. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

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 2017-09-21 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I received notification from Equifax that there was a security breach and that my information - including my social security number, date of birth, and contact info was potentially exposed. Equifax has been completely unresponsive in helping me deal with this matter. Here are the steps I have tried to take to find out more information : 1 ) they stated they would enroll me in TrustedID product to monitor my credit to see if there are any breaches ; the problem is that the enrollment email they sent indicates that I am already enrolled ( i have not ) and provides a dead link / a website that does n't load. 

2 ) I have tried contact the Equifax call center to resolve this and they have no one who can assist me. After a long period of time waiting for a response, I was provided another number that I can not seem to get ahold of someone who can help me ( I have been put on hold with no response for a week now ). 

Equifax is completely unresponsive to me at this time ; they have not been able to provide any information about the security breach, how I am actually affected, or even provide the security service they said they would in order to make sure I am not further victimized. I have had no luck in working with them - they are completely unresponsive in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with XXXX and Equifax. I have notified them that the XXXX XXXX account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: Optimum Outcomes, Inc.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with Optimum Outcomes. I have notified Optimum Outcomes account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have made several attempts to rectify this matter with XXXX XXXX XXXX   and Equifax. I have notified XXXX XXXX XXXX and Equifax that this account do not belong to me. This account was opened as a result of identity theft. I have asked them to send me proof of my signature and they have not. I need your assistance in getting this account removed from my credit file. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-21 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: Ditech Financial LLC
State: NJ

Complaint narrative:
Hello, I attempted to make a payment online to Ditech on XXXX XXXX, XXXX. The online system had an error which stated Please enter a valid routing number. I tried to make the payment through the XXXX, phone, computer, and XXXX to no avail. The automated system was also stating the same information, therefore the payment could not be made without speaking to an actual representative. I called the next morning, XXXX XXXX, at XXXX XXXX  when the company opened and explained the situation. The representative I spoke to on a recorded line stated there was a computer error with their systems the day before. She took my payment over the phone and explained there would be no reporting late due to this information and it was only 9 hours past the due date. I went to refinance on XXXX and was advised that Ditech put a 30 day late on my credit report due to their error. I called the company immediately and ask for them to remove it as a one time courtesy. I emailed and sent a letter with the same request and I received a response stating I would have an answer within 3 business days. I then called back and asked for a supervisor and was denied the name and opportunity to speak with one. This has been a constant occurrence with this lender. You can not speak to anyone regarding your concerns and get very generic answers to questions that come at the end of the mandatory time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation