vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
This complaint is against IQ Data International.

I called a week ago to settle an old debt and was immediately met with abusive language and tactics. I offered them several amounts to settle this debt and not one was agreed upon. For some reason they feel the need to be unreasonable and rude. I find this very odd since I was attempting to settle a debt on my own accord. I do realize they work on commission however. 

Since we could not come to an agreement on a settlement amount, the call was terminated. 

I called back several days later and attempted again to settle this debt and was met with even worse tactics and suggestive language. All of were very low class. I upped my offer amount to close to the full amount that was originally owed and still they would not accept. So once again the call was terminated. 

Today they called my work screaming at me and demanding payment in full or else they would report that I was absconding from my debt to the authorities. 

I called several hours later to report this abusive behavior. I was escalated to a manager at IQ Data International. I repeated to them again that they were to have no contact with me accept through mail and not to call me in any way shape or form. Of course they had no record of the call and demanded my work number. I told them I was not comfortable giving them the work number and she started yelling at me that she couldn't help me then!

You could hear the boiler room in the background and everyone was yelling and clapping with all the debt they had collected that day. You could hear {$21000.00}!!!!! Good Job!

Needles to say she hung up and there was no resolution to my complaint. This is kind of a Fox watching the Hen house situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
the inquiry listed below are not mine, some make no sense as it is obvious from my credit report that I am on bad terms with a few of these banks. I try to contact TransUnion for multiple issues including this one, they always respond that im wrong and then I always go back and have the creditor fix the problem because even they acknowledge I was right ( I.E the collection account with XXXX XXXX ). Transunion said I was wrong, but yet i got XXXX  to remove the account. 

Transunion Inquiry : XXXX XXXX XXXX via XXXX | XX/XX/XXXX XXXX XXXX  XXXX via XXXX | XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XXXX via XXXX XXXX| XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX| XX/XX/XXXX XXXX XXXX XXXX via XXXX   XXXX  XXXX | XX/XX/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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
M & T bank issued me a letter on XX/XX/XXXX specifying that my hazardous insurance has expired and that the bank plan to buy. Also, the bank ask that I should provide insurance evidence as soon as possible and fax or mail to the bank. 
So I called bank, roughly on XX/XX/XXXX, asking how many days that I have to buy the insurance ; bank rep. answered that I have 45 days before bank forcefully buys for me. 
I called insurance agent and purchased the insurance on XX/XX/XXXX ( within 45 days of bank notice ). The insurance I purchased covers from XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX M & T bank issued second letter that I need to provide evidence of insurance for the period of XX/XX/XXXX thru XX/XX/XXXX else they will charge me {$1300.00}. 
I called the bank and mentioned that I did not receive any notification about my insurance was going to expire on XX/XX/XXXX. The rep. also acknowledged that she does not see any notification issued to me from M & T prior to XX/XX/XXXX about getting insurance renewed. The only notification she sees about hazard insurance expiration from the bank was issued on XX/XX/XXXX. 
I followed bank instructions and did the due diligence to purchase the insurance for one year and provided evidence to them. The bank DID NOT state any timeframe or dates on the " first letter '' that I need to purchase or cover the insurance for. The bank DID NOT issue insurance expiration notification prior to XX/XX/XXXX. So after I acted on the bank instructions to purchase the insurance and provided the evidence, the bank now wrote specifying to show evidence of past dates coverage ( XX/XX/XXXX thru XX/XX/XXXX ) on the " second letter ''. 
To cap : bank did not issue any notification of insurance expiration prior to XX/XX/XXXX. The bank did not specify any date on their 'first notification letter that I get coverage ( XXXX ) on XX/XX/XXXX. After I purchased the insurance, the bank now releasing the dates. Their communication to me was vague or not clear. 
I respect our financial institutions but in my situation M & T did not provide notification early on insurance expiry, did not communicate clearly on its notifications that I get insurance for specific dates. We, the consumer rely, on our institutions for clear guidance to act fairly and in timely manner. 
I should not be charged for the period XXXX thru XX/XX/XXXX for the insurance. This is my issue and dispute with M & T bank.

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 2019-01-23 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: CA

Complaint narrative:
I applied to refinance the vehicle loan from wife to husband 's name on in XX/XX/2017. After speaking to XXXX from the application department/customer service, the loan was declined and cancelled over the phone due to XXXX does not provide 3rd party transfer vehicle loan. I need to transfer the title of the vehicle with the refinance as soon as possible due to divorce and finally complete the process by applying the loan with XXXX XXXX. 
Although the loan was declined and cancelled by XXXX, XXXX Account department sent out the payoff check to XXXX XXXX  on XX/XX/2017 which has wrongly payoff XXXX XXXX  loan and activated a loan account at XXXX XXXX  for a loan that I was told to be denied. 
Again, the loan is supposed to be cancelled as stated by the XXXX representative and I have successfully obtained a loan from XXXX XXXX. When XXXX XXXX sent payoff check to XXXX XXXX  to pay off the original XXXX XXXX Auto loan for the XXXX  XXXX. XXXX XXXX  returned the check from XXXX due to XXXX payment and sent title to XXXX. It created a huge issue with my vehicle title which did not allow me to renew my registration although it was past due and all the interest and late fee from XXXX. After all the phone calls and mails negotiation over 1 year with the help of our attorney, XXXX successfully submitted payment to Nationwide but the payoff amount from XXXX was different from the original loan amount or the payoff amount sent from XXXX at Customer Service Department for {$42000.00}. 
The credit history reported by XXXX on my credit report is incorrect! It shows that I have an account with XXXX bank that is closed by pay status as Collection/Chargeoff. There should not be any collection/chargeoff since the loan was originally cancelled by XXXX at XXXX and there should have no payoff to be sent from XXXX. I have never made payment to XXXX as the fact that I do not have a loan with XXXX. Now that my credit is all ruined because of XXXX mistake and this has to be removed from my credit report ASAP! 
XXXX is the worst bank with the worst customer service that I have ever experienced! I took my over 1 year and the issue is still not resolved. Every time I call to get this auto loan issue to be followed up, there is no response and no ownership for the mistake this bank made. All I received from XXXX is collection call and collection mail. 
I demand the XXXX bank reporting error on my credit report to be removed and the issue of this wrongful payoff has to be resolved immediately.

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 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I sent a certified letter to XXXX XXXX XXXX on each attempt dated XX/XX/18, and XX/XX/18 to XXXX XXXX XXXX for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX XXXX XXXX have been reporting alleged charged off debt to the credit bureaus as verified and I am asking that the alleged account be deleted 30 days has passed each attempt to retrieve the information. The account was never verified nor validated.

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 2019-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
XXXX XXXX 's student XXXX XXXX Washington XXXX XXXX College XXXX Instructor : XXXX XXXX Graduation completed Honor Roll G.P.A. XXXX XXXX No proof of deferment of Stafford loan through financial institutions Sallie Mae No proof of certification is available for transcripts of educational data or credits XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
I have called Freedom Mortgage several times on XX/XX/XXXX and XX/XX/2019 as well as today. I have asked them several times about my yearly escrow analysis which is done the first week of XX/XX/XXXX every year. The representative today said she does not see where they have started on my escrow analysis and that my mortgage payment will still be the same next month. I told her " that would not be fare because I have already did my own calculation of my yearly escrow analysis and my payment will go down as well as they would owe me a escrow refund check. She stated that, since she does not see where they have started on it all she can do is put in a request.

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 2019-01-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: OH

Complaint narrative:
WE HAVE SUBMITTED APPLICATION FOR MORTGAGE ASSISTANCE AND SUBMITTED EVERY DOCUMENT THAT IS REQUESTED FROM US HOWEVER WE CONTINUOUSLY GET REQUEST FOR PAY STUBS XXXX IS XXXX XXXX XXXX XXXX HE GETS DIRECT DEPOSIT OF HIS XXXX XXXX   INCOME WE HAVE WRITTEN A LETTER OF EXPLANATION AND PROVIDED A PROFIT AND LOSS STILL GET ASKED FOR PAY STUBS. THERE IS NO PAY STUBS I FEEL AVY EXTENSION # XXXX DOES NOT KNOW WHAT SHE IS LOOKING AT AND WOULD LIKE MY FILE TO BE REVIEWED BY ANOTHER PROCESSOR.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I disputed fraudulent information on my credit report beginning XX/XX/XXXX. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. Equifax has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed Equifax a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at Equifax. 

I did send the same to XXXX and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at XXXX. I have a copy of the return receipt for XXXX. 

XXXX  has removed it and has been good to work with. 

Equifax has been very difficult on every level.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Dear JP Morgan/Chase- Thank you for approving my application for the INK Business Cash Business account in XX/XX/XXXX. But, not so thankful for engaging in inconspicuous and shamefaced lending discrimination. 
The card was indiscriminately shut down without any immediate notice on XX/XX/XXXX. The letter states " unexpected activity ''. How embarrassing and humiliating. Right? When I pressed CS for more question they started bouncing me around as they were completely clueless to answer any questions and eventually pointing to the Executive Office. The returning theme : we don't see any unexpected activity on your account. Disclaimer : I was never late on payments and all payments were made in FULL. Moreover, I am a credit worthy individual and business owner with a credit score considered excellent by all 3 major credit bureaus. 
During the course of this inquiry I will demonstrate how JP Morgan/Chase engages in subtle lending discrimination and breaking federal and state banking laws every day. In theory, the company allegedly claims that all creditworthy customers have equal access credit. In practice, they approve and shut down accounts for customers whom they think wont fit into their internal algorithm ( i.e. not paying interest on balances because the balance is paid in full and just reaping cash or other rewards ). According to a bank employee, after a year, they review accounts and purge customers who are not profitable ( Not paying fees or interest charges and just reaping rewards ). This is  DIFFERENT from customers who are churners, reap wards and closing accounts. This would be a legitimate reason to close an account. My case is different and points to a serious, subtle lending discrimination issue. 
In addition, the non-profitable customers SSN is flagged. As a result he or she is unable to open any deposit accounts and new credit account will be shut down followed by a canned we are severing our relationship with you letter. Interestingly, my account was immediately shut down after I cashed in my yearly rewards. Very interesting, right? According to Chases algorithm : Why should we keep this customer that we are not making money off of and just reaping rewards? 
When they faced with pressing questions ( from the Executive office ) they just send out a canned response which is a blatant lie. See attached. 
My attorney general 's office and congressman have been notified and started their initial investigation. 
Honesty and a modicum of respect go a long way. Not, when it comes to the business practices of JP Morgan/Chase. I am hoping this and all subsequent complaints will be read by millions of potential customers and it should be cautionary tale before they think about starting a relationship with a company like Chase/JP Morgan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
my account had identity theft and chase XXXX closed yhe account and sent it to collections with notifing me of there action or the out come of the identitiy theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Dear CFPB Investigator, How are you? 

The report I like to make today is the concern of the potential criminal activity with my file at XXXX. 

1. XXXX XXXX XXXX open at 2018 closed 2. XXXX XXXX at 2018 open 3. XXXX XXXX XXXX XXXX at Houston 2018 still open 4. XXXX XXXX at Houston 2018 still open The suspect is the XXXX   Police Department officer name : XXXX XXXX.

Her potetial criminal activities are : Cyber Crime Law - Computer Criminals target people online for various financial scams, which have become so prevalent that many of these crimes go unreported - Harassment and Stalking - Activities relating to material constituting medical malpractice - Procedural laws refer to government agencies and their authority to get electronic data from internet providers, third parties and computing devices Crimes against property - Larceny - Embezzelment I am working on a report for FBI at XXXX, and if you need further assistance please contact 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 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I sent a certified letter o XXXX on each attempt dated XX/XX/18, and XX/XX/18 for proof of claim of the alleged debt that they claim I owe to their company and that is appearing as charged off on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX have been reporting an alleged charged off debt to the credit bureaus as verified after each letter was sent out and I am asking that the alleged account be deleted. 30 days has passed each attempt to retrieve the information and XXXX failed to adhere to the request of documentation but continue to report the alleged debt. The account was never verified nor validated. XXXX sent a alleged bill and followed up with a letter stating that they no longer have the alleged application on file due to a retention period passing and offered a cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I disputed fraudulent information on my credit report beginning XX/XX/2018. I have provided 2 police reports and numerous other information but still they are leaving on my report fraudulent accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX   XXXX. I have even provided an internal fraud report number for XXXX  after visiting a local office. I was not even in the country when this happened. I was XXXX XXXX military. XXXX  has done nothing but tell me that I have to provide more information. I am about to lose my home which will make my family homeless. I faxed XXXX  a police report on XX/XX/XXXX and they stated they required a different format which I faxed them on XX/XX/XXXX. I have fax confirmations. This is after several letters dating back to XX/XX/XXXX. Spoke to XXXX at XXXX. 

I did send the same to Transunion and they have removed it from my credit report while it is being investigated. They should have been done with their investigation as I started this in XX/XX/XXXX. Spoke to XXXX at Transunion. I have a copy of the return receipt for Transunion. 

XXXX  has removed it and has been good to work with. 

XXXX has been very difficult on every level.

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 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
I have already filed a complaint regarding a fraudulent account that was opened in my name at HSBC in XX/XX/XXXX. As detailed in my previous complaint, I made numerous attempts to contact someone at HSBC regarding this account but have yet to speak with anyone with knowledge of this incident. After I filed my complaint, HSBC provided a response acknowledging that the fraudulent account was opened, that they are investigating the matter, and that a freeze was placed on this account to prevent further activity. I responded that I was given insufficient information about how this happened and how HSBC intended to prevent this type of fraud from happening in the future. I have yet to hear from HSBC regarding my concerns or their alleged investigation. Yesterday I received another letter from HSBC indicating that the fraudulent account remains open and that further fraudulent activity occurred during the period XX/XX/XXXX, through XX/XX/XXXX. This indicates that the information that HSBC provided to me and to the Consumer Financial Protection Bureau is wrong and that no steps have been taken to stop this fraudulent activity. I have informed them that my personal information was stolen and that I did not open this account and I have filed a police report as well. HSBC is fully aware that this account was opened fraudulently and they knowingly have allowed the crime to continue.

Company response to consumer: Closed with explanation