vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
IQ data international has been calling me from dozens of numbers over the last 3 years in an attempt to collect a debt I supposedly owe. In that time they have not been able to provide a single shred of paper evidence that I actually owe the debt or to where I should send my payment, despite my providing them with a valid and current address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
The problem that worries me, in these moments is my credit record, I explain. 
On XX/XX/XXXX, I applied for my first credit card with Bank of America, it is one of the cards that you deposit XXXX dollars to start making your credit. On XX/XX/XXXX I applied for a new credit card and the representative who assisted me in the america bank designed me that later I can join the credit of the two cards, I return to the bank on XXXX XX/XX/XXXX and the representative who is the same person who attended all visits suggests me to join the credits. My question to him was that if joining the two credits of the cards would affect my credit and he says no, he designed me that I close the card if it affects my credit, but that was not close just join both credits and stay with a single card. Now after one year I apply for a loan in another bank and when reviewing my record it appears that I closed my credit card in XX/XX/XXXX which was not so and this has affected my credit in a considerable way, I have called customer service Bank of America credit cards and your response has been ... we regret your situation but we can not do anything to help you, I think it is not an appropriate response when I have been all this time without knowledge of what was happening, the address of the location of bank of america that perform all the procedure this located in the following direction XXXX XXXX XXXX XXXX, XXXX  XXXX, ks XXXX, in attention to the client of bank of america of the credit card I attended XXXX  of the state of california. This is my problem I hope you help me to solve, since there has been lack of information on the part of the representatives. I apologize for some spelling error, because English is my second language ... 
thanks for your help

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 2018-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This Bank of America 2nd mortgage account # XXXX has been paid. XXXX   CRA is still showing the account as " Open ''.

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 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and  received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. I have also been charged a XXXX account fee for 7 months while said account was locked.

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 monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
To whom it may concern, I am writing to bring attention to service outages and issues facing students with loans serviced by XXXX XXXX XXXX ( XXXX ), XXXX XXXX, WI. XXXX  services loans made by Universities to students in financial need. Though multiple years of corresponding, interacting and being a customer of XXXX  I have great concern with their ability to handle my personal financial information. This most recent issue has given me incentive to inform you of their systematic issues. 

Beginning XX/XX/18 I was contacted by XXXX that my reoccurring student loan payment was being deactivated pending an upgrade to their systems. Additional correspondences provided a plan of service changes that gave a timeline of dates that their new systems would be available. Though multiple contacts with customer service representatives XXXX continued to reference their new website being available on XX/XX/18 and at that point I would be able to access my data. The date of the planned service upgrade passed and still no correspondence on the new XXXX website or any access to my information. Their new website provides me no information outside of my name and address at login. All my information on loans, payments, tax documents or reoccurring payments is inaccessible. As of today it my personal loan, direct deposit, banking and payment information has been unavailable for more than 15 days ( XX/XX/18 to XX/XX/18 ). 

This is completely inexcusable for any lending services company or any company handling sensitive personal financial information. I have ongoing concerns with the ability of XXXX and its employees to protect and service my financial obligations to my lender. In addition I would also like to bring to your attention several disconcerting complaints on the XXXX XXXX XXXX ( XXXX ) website with customers experiencing similar issues. 

I look forward to your response in this matter. Please feel free to contact me at XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im writing in regards to XXXX XXXX XXXX XXXX account # XXXX Under the laws of the State of Illinois UCC ( 810ILCS5/ ) UCC code, and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies.

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 2018-07-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Comerica
State: OR

Complaint narrative:
On XX/XX/2018, I was notified a credit of {$34.00} was posted to my account due to a fraudulent charge. I never received the credit. I have contacted XXXX XXXX six times and they put out trackers to check why it hasn't posted. To date 6 trackers have gone out for this one issue. Customer service states they can't give me any timeframe and I can't speak with any other supervisor. They state that is policy and I must wait until whenever. I know it's not muchone but I am on a fixed income. I didn't budget for this type of error. It has put a financial burden on me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-14 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: TN

Complaint narrative:
This XXXX XXXX XXXX 2nd mortgage account # XXXX has been paid. Experian CRA is still showing the account as " Open ''.

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 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX and received the cash bonus of XXXX on XX/XX/XXXX. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock 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 monetary relief
Consumer complaint received 2018-07-14 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: PA

Complaint narrative:
I have spoken to Transunion multiple times in reference to unauthorized inquiries that are listed on my credit report. I spoke to a US Rep by the name of XXXX and she informed me she would be removing all unauthorized accounts from my report. Two months have passed, and nothing was deleted. I called Transunion again, spoke to a Rep named XXXX and he was rude and hung up on me when I questioned about the inquiries never being deleted. I am requesting that all inquiries that I have not authorized be deleted from my account. 

Inquiries are as followed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  I am requesting these inquiries be removed from 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 2018-07-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
This Bank of America mortgage account # XXXX has been paid and transferred to another lender. XXXX  CRA is still showing the account as " Open ''.

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 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BUDGET CONTROL SERVICES, INC.
State: CO

Complaint narrative:
I received a phone call on my cell from Budget Control Services and did not answer because I was at work. I then received a phone call and voicemail on my recorded work line from the same person, XXXX XXXX, asking me to call back regarding an account. Thinking it was regarding an account that I work with, I called her back from my work number and then she proceeded to tell me about the debt that I owe for {$460.00}. Since the line is recorded, I hung up immediately because I did not want my employer to know my personal business. She then called back my work number twice, and both times I didnt answer. Sometime the week of XX/XX/XXXX she called my cell phone, which I answered, and she said that shes been trying to reach me and I hung up on her. I explained that she was calling my place of employment and to remove the number and never call it again. She proceeded to say that I had called her back from that number so she called it again. I again told her to remove the number and stop calling. She was unprofessional so I hung up again. She then called my husband and threatened to put his name on the account and start credit reporting if he didnt make a payment. He set up one payment with her, which was made on XX/XX/XXXX. On XX/XX/XXXX, the receptionist called me on my work line and said that a XXXX XXXX was asking for me. Irritated because I asked her to stop calling, I said transfer it to my work voicemail, which she did. She then called the receptionist back and said she got my voicemail and that she wanted to talk with me. The receptionist explained that I was either on the phone or in a meeting. XXXX XXXX then proceeded to say she didnt realize she called my place of employment and wound just call my husband for payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: TN

Complaint narrative:
This XXXX  XXXX XXXX mortgage account # XXXX has been paid and transferred to another lender. Experian CRA is still showing the account as " Open ''.

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 2018-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: CA

Complaint narrative:
XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX   was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXX placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XXXX XXXX I received yet another letter from Pendricks regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX   hospital and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX  collection. links to show XXXX XXXX XXXX and XXXX are in fact the same hospital. 


I understand mistakes can be made., Pendricks forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further. 
I woke up one morning and saw my score dropped 85 points due to this inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XXXX, XXXX XXXX Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: OK

Complaint narrative:
Opened an account with M & T using a code to receive a cash bonus if I direct deposited to the account, completed the XXXX direct deposit on XX/XX/XXXX. Never received the cash bonus. Since this time, my account has been locked due to " fraud '' with no explanation given. They requested my social security card and a recent credit card or bill statement sent in to them at email address : XXXX. Sent in this information XX/XX/XXXX, was advised account would be unlocked within 24 hours so that I could withdrawal my money and close my account. My accounts are still locked and M & T is unwilling to cooperate or unlock my account. Also charged XXXX for 7 months just for having an account with them, that I was unable to withdrawal from.

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 monetary relief
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
CAPITAL ONE 360/XXXX XXXX XXXX WHY DID THEY FREEZE MY ACCOUNT XXXX XXXX XXXX? WHY DID HE DEFRAUD ME? WHY ARE YOU LETTING THIS MAN COMMIT ACTS OF FELONY ON THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS IT BECAUSE I DIDN'T GO AND SIGNED MY FILE WITH THAT HIM AND HIS OTHER BANKER XXXX XXXX XXXX CEO, Chairman & Director, XXXX XXXX XXXX XXXX XXXX XXXX , Massachusetts XXXX Phone : XXXX AND XXXX XXXX CEO WHAT ARE YOU AGENCY GOING TO DO ABOUT THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 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: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank N A is an unauthorized inquiry. Please remove within 30 days.

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 2018-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have had nothing but problems with Ditech. I had a loan modification while I was injured and not working. Which was in it self a very taxing experience.they lowered it XXXX dollars for a while and then without notifying me raised it back to original payment and turned it into a new 30 year loan without my concent. I was already 20 years into my loan.also they stated I was short in my escrow account and raised my payments. And now they have notified me again Im short and I need to pay them again. In 20 years of my loan this never happened with other mortgage companies until Ditech took over. Please help me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
I received a Fifth Third Bank promotion to open a checking or savings account with the following rules to qualify on the offer I received for the checking account : 1. To  receive the {$250.00} promotion, customer must open a new 5/3 checking account, reach a balance of {$250.00} within 45 days of the account opening and maintain the balance for 45 days from the date of the balance required is reached. 

When I took my son in this morning to open his first checking account ( XX/XX/XXXX ) the personal banker told me that I also have to sustain a {$1500.00} balance between checking and savings. Nowhere on the promotional card I have does it say this. When I pointed that out to the banker and said this is a lure to get people in the door, she said yes it is! 

I still have the promotion card with the offer code XXXX

Company response to consumer: Closed with explanation