vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Bank closed my   XXXX   and  XXXX  account on   XXXX   XXXX   against my wishes. They claimed my address was not a physical address and cited the PATRIOT ACT as the reason they had to close my account.      But I have a physical address on file with Ally and always have. At best, this was caused by a mistake in their physical address database. They refuse to acknowledge their error or re-open my account.     Although they eventually returned my funds, I suffered over {$200.00} in fees and penalties by having nearly {$8000.00} suddenly withdrawn from my account ( a day before I pay most of my bills  )  and distilled to a check that was not returned to me for several weeks.

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 2017-05-02 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
This is a follow-up to a prior complaint I filed with the CFPB - complaint #  XXXX . I filed that complaint on  XXXX   XXXX ,  XXXX .     In brief, I am th e administrator of t he estate of my late mother,  XXXX   XXXX . She took out a reverse mortgage in  XXXX  with Reverse Mortgage Solutions , Inc .     My mother passed away in  XXXX   XXXX , and I was name d administrator lat er in the year.     In  XXXX   XXXX , the estate paid off the reverse mortgage, and paid more than was actually owed because  Reverse  Mortgage Solutions di d not give us a final payoff statement until foreclosure was imminent ; given this, to avoid foreclosure, the estate purposefully paid more than we had been told  may  be owed. This worked ; the estate paid the loan in full ( and then some ), no foreclosure occurred, and I have received the cancellation of the security deed.     After the loan was paid, I contacted Reverse Mortgage Solutions several times, asking both for reimbursement of the overpayment amount and for an itemized explanation of some late-appearing charges on the eventual final payoff statement. The company ignored these requests, so I filed the  XXXX   XXXX  complaint.     On  XXXX   XXXX ,  XXXX ,  Reverse Mortgage Solutions  replied to that complaint, and separately sent me ( as  administrator f or my later mother 's estate  )  a check for {$6300.00}, which apparently is intended to cover the amount the estate overpaid to pay off the loan ( which was {$2400.00}  )  as well as the apparently changed calculation of costs and fees the company claims were owed.     But I have several remaining questions.     The company 's response now itemizes the costs allegedly incurred for 'corporate advances ' and 'outstanding fees and costs '. Initially, these charges are very different than those shown on the  XXXX   XXXX  payoff statement, yet are offered as dispositive now without any explanation for the changes.     Beyond this, the biggest line item under 'corporate advances ' is a charge for {$1700.00}, purportedly for taxes paid by RMS on behalf of the property owned now by the estate. Although the itemization does not specify what taxes were supposedly paid in this amount by  RMS  for the estate, it is the exact amount billed by  XXXX   XXXX , Georgia in  XXXX  for property taxes owed on the property, so presumably represents that amount.     But the estate paid that bill. See the attached check, showing a payment in that exact amount by the estate to  XXXX   XXXX  on  XXXX   XXXX ,  XXXX .     Thus,  RMS d id not pay that bill for the estate, and can not seek reimbursement for it from the estate.   RMS  owes that {$1700.00} to the estate.
Once RMS responds to this point, I can address the other questions. Thank you again for your assistanc  e in resolving this matter.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Integrated Recovery Services
State: AL

Complaint narrative:
I was contacted by a rep claiming I owe debt to a   Payday loan   company. Which I do not owe and have asked repeatedly for them to send me verification of original debt, they refused and told me to pay by credit or debit card. If I refuse they will have police arrest me.   A rep by the name of  XXXX   XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  have repeatly called my job with threats and cursing me when I refuse to give them my card info. My employer is threaten to relieve me due to constant calling from this company. I asked for address, and representative number and they refused.  XXXX   XXXX  stated I was stupid because I would not allow him to get my financial information. The collection practices of this company are far from practices of a legit collection company. I ask that something be done to alleviate this harassment and have this scam company be held accountable. Last contact was on  XXXX   XXXX  and I was contacted on my job 8 times with threat after threat by different reps and giving me different company names and amounts owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: IA

Complaint narrative:
XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  To Whom It  May  Concern : I received a copy of my credit report and am disputing some items that need to be deleted. I have highlighted and numbered these disputed items on the attached copy. The reasons why these items should be deleted are indicated below :  Item Reason for Deletion   XXXX   XXXX   &amp; Navient Loan  where turned over to  Navient a nd then the department of education.     According to the provisions of the Fair Credit Reporting Act 6 11 ( a )  [  15 USC   XXXX i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.     Please notify me that the above items have been deleted pursuant to  XXXX   ( a  ) (  6  ) [  15 USC     XXXX    j ( a  ) (  6 )  ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of  612 [ 15 USC  XXXX j ],   there should be no charge for this report.     If you have any questions or need additional information, please contact me at address noted below.     Sincerely,  XXXX   XXXX   XXXX   XXXX   XXXX    XXXX    XXXX , IA  XXXX  Social Security #  XXXX   XXXX  XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i disputed this with Equifax over a year ago and send documents to have them remove a collected agency from my report. which they did. on the   XXXX   XXXX   XXXX   l  i send another letter to  XXXX  the collection agency because it was still showing up on my   XXXX    report. well  XXXX  contacted Equifax and without verifying it, Equifax put it back on my report. it has been over a week and i still have n't received a letter from Equifax saying they added it back to my report. this is illegal and it goes against  XXXX  policy. forward to today. i called Equifax at  XXXX  and spoke with  XXXX  from the  XXXX , he would n't give me his last name. i updated my demographics and i spoke with him about some more errors on my report like a Bankruptcy which i asked where did he get that info from and he told me that the courts in my hometown provided it. so i told him that i send him a letter stating that the courts do n't provide that information to the agencies, then he proceeded to say that they only get their information from the original creditor and not third party companies, so i said collection agencies are third party companies and you just told me that  XXXX  gave you the information on that account. its has been too much going on with my account and i need Equifax to remove all info that i have verified on my report. attached is my supporting documents.. they refuse to update.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Piggy  Back on  Closed   File  :  XXXX  In response to your information : -I Called on   XXXX   to discuss the fraudulent credit inquiry on   XXXX    . After I called and gave private information to your Call Center, I got another hit on   XXXX   - from SYNC - I then again called on   XXXX   XXXX  o gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  X/XX/17    - from  XXXX  - I call again on     XXXX   XXXX  nd provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from  XXXX  I have called other places and provided my   XXXX   number via phone and no issue. But everytime I contact your contact center or  XXXX  bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  XXXX  times in a row, this provides me enough information to believe that somehow their is a breach between Transunion and  XXXX  transmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through   XXXX   bank has been processed either that day or the next day -  XXXX  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving   XXXX   bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls Transunion or  XXXX  and personal information/transmitted between  Trans  and  XXXX , that person private information is misused in another fraudelent inquiry from  XXXX  again.

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 2017-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BYL Collection Services
State: GA

Complaint narrative:
I was charged {$64.00} that was sent to collection. I called  BYL  collection agency over a month ago and paid the debt off. It needs to come off my credit immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I tried to clear debt up to remove negative report on my credit. Approx.  XXXX  weeks ago I received a billing statement carecredit I called them to verify, they told me they could give me no info. because the account had been sold to   XXXX   I called p.r.a. they show that I paid off an account with them on in  XXXX  of   XXXX  . I make multiple calls to carecredit they refer me to   XXXX  . I do have an account with carecredit the account is closed but not delinquent. I need some type of verification from them that the account is not late/delinquent .They refuse to send me a letter stating that I am not behind on the payments as erroneously reported on my credit report. There are  XXXX  phone numbers that I am referred # 1 refers me to 2 #, # 2 refers me to # 3, #  3  refers me to # 4, then # 4 refers me to # 1 .On and on it goes. Each one assures me that the next # is the one that can help me. I  n  the mean time I am being negatively effected financially. Carecredit/Synchrony bank are the worst companies I have ever dealt with it is like an episode out off The Office.

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 2017-05-02 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: TX

Complaint narrative:
The company which has still reporting the unauthorized inquiry in my credit report is Equifax.      XXXX   XXXX   XXXX  made the inquiry on  XXXX   XXXX ,   XXXX   by mistake and without my authorization. When I contacted  XXXX   XXXX   XXXX , they apologized and said file a dispute and when Equifax investigate it they will call us, we will tell them it was unauthorized and they will delete it.     Things did n't go that way, I filled the first dispute with Equifax Confirmation #  XXXX  on  XXXX   XXXX ,   XXXX   and Equifax came back to me with a letter stating that the inquiry is true and they wo n't delete it.     I called Equifax and they said first tell  XXXX   XXXX   XXXX  to send us electronically a note to delete the inquiry. I called more than  XXXX  different people in  XXXX  different departments at  XXXX   XXXX   XXXX  and no one said they were aware or know how to send such electronic note of deletion to Equifax, then I got an account  specialist  from  XXXX   XXXX   XXXX  on the line and we called Equifax to understand how to do it, but unfortunately, we found that even the outsourced call center reps in  XXXX  do n't know how to do it either! and they were unable to help or guide us to what to do next, and at the end, they said  ( Equifax ) h as no way to delete inquiries from credit reports!!     This is completely unacceptable, Equifax has no process in place for disputing or correcting such wrong info which impacting me personally. Equifax did not investigate anything, they did n't contact  XXXX   XXXX   XXXX  or me, they did nothing and wait about 30 days  (  as required by law ) and came back to me with a reply that this is true inquiry!     Equifax has a useless outsourced customer care call center overseas who has full access to our confidential info but no authority or knowledge to resolve any issue! they simply read from a paper of what they says.     I really urge or US consumer protection authorities and CFPB to take action and protect us from such companies as Equifax who are busy in selling our confidential and financial info to who pays more with out any fear or responsibility or our business losing, suffering or time wasting.     Today I filled another waste of time dispute with Equifax and spoke with them and they still repeating the same cassette, the  new Dispute  confirmation no.  XXXX .     Please help. and advise of how to convert this issue to a law sue?     Best regards,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: MO

Complaint narrative:
I sent out several dispute leeter stating to remove incorrect items the are reporting on my credit reports if u cant show me original documents stating the debt is mine or show me proof of what u verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: GA

Complaint narrative:
I am filing complaint against Equifax and  XXXX  for reporting inaccurate information regarding Bankruptcy that they are reporting on my credit file. I sent them letter regarding my dispute and I received the results stating verified. They did not verify anything. The information they pulled is from a third-party reporting and that I was told from the    Court Clerk they  do not report along with attached copy of the letter from the court saying they do not report therefore it needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
XXXX   XXXX    claimed that a credit card debt was mine, but neglected to provide documents to me proving that debt was mine, nothing with my signature, only documents showing statements and payments which I have never made  XXXX  took me to court and I was set to be able to provide my documentation, when I arrived for my court date I was told the case was vacated and it was found in  XXXX  favor based on the documentation the judge received from   XXXX   XXXX   never received the documentation even after requesting it through the courts and paying a fee to file the request I also was not even able to state my case at all, never got to stand before the judge The court documents I received showed that the the court notice was sent to  XXXX , but the box for " defendant '' was not checked, I wasted my time away from work to go to a court case that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Piggy Back on  Closed File  :  XXXX  In response to your information : -I Called on  XXXX / XXXX /  XXXX   to discuss the fraudulent credit inquiry on  XXXX / XXXX /  XXXX  . After I called and gave private information to your Call Center, I got another hit on  XXXX / XXXX /  XXXX   - from SYNC - I then again called on  XXXX / XXXX /  XXXX   to gather information again to place a extended freeze on the account and when call the same call center to discuss this information, I noticed another fraudulent inquiry on  XXXX / XXXX /  XXXX   - from SYNC - I call again on  XXXX / XXXX /  XXXX   and provide my personal information via phone again and it again I have a fraudulent inquiry on the same day from SYNC I have called other places and provided my SSI number via phone and no issue. But everytime I contact your contact center or SYNC bank directly per your advise to call the creditor to have them close out the fraudulent account, I get a wrongful inquiry on my account that same day or next day. Since it has happened  three tim es in a row, this provides me enough information to believe that somehow their is a breach between   XXXX   and  Syncs tra nsmission of personal and private information. You specifically provided the exact dates I called and if you review my credit report you will see an exact correlation of each time a call has been made and private information provided, a fraudulent inquiry through SYNC bank has been processed either that day or the next day -  Three  times with no gap between day of calling and the immediate result of a fraudelent act. This should be enough information for you to begin reviewing other open files involving SYNC bank and the fraudulent inquiries made and finding a pattern. It seems that everytime someone calls   XXXX   or SYNC and personal information/transmitted between  XXXX  an d Sync , that person private information is misused in another fraudelent inquiry from SYNC again.

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 2017-05-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I have a total of about {$50000.00} in private student loan debt with  Navient. Curre ntly, I have attempted to make manageable payment arrangements to no avail. I have provided them with bank statements, income statements, account information, debt breakdowns and just about any other type of information  one  would need to prove the need for more appropriate payment totals.    Navient  has continuously denied my requests, with most decisions taking them up to 45 days and I only find out about the decision when I call them more than a month after applying. Then, they inform me that it 's always up to the VP of the company and that nothing I could do will change the outcome.   Therefore, I am stuck with bill after bill that " demands '' I pay them over  2.5  times what my income is each month.   I have a family to support and a life to support aside from paying greedy loan sharks. I can not afford to give them all of my income each month while they continue to DESTROY my credit and any chance I might have to find someone to work with me to manage this debt better.     M y credit score has plummeted because of Navient , alone.

Company response to consumer: Closed with explanation