vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have had a XXXX XXXX  account reporting on my XXXX  Experian and XXXX   for a while now as a charge off status, Experian has reported it in XXXX and starting XX/XX/XXXX and has not updated since then, XXXX  has been reporting but has not been showing in payment history, XXXX last reported this account in XX/XX/XXXX collection. It is evident that XXXX XXXX is not only erroneously reporting this account on my personal credit profile but it is also not reporting information correctly. As a consumer I am aware that under the Fair Credit Reporting Act any information that is incorrect, inaccurate and unverifiable is sufficient for removal. This should not be reported negatively. The documents provided will represent as such.

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 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number. 
When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so. 
On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me. 
I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account. 
During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no. 
I asked her when I would get my money back from the account. She said around 20-25 days. 
After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX   Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again. 
In the meantime, I have received my debit card, emails with promotions as if Im still a customer. 
Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know. 
So why, SunTrust did you close my account. I believe I am entitled to know.

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 2019-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: RI

Complaint narrative:
My ex and I used to use his Venmo account. We separated about a month ago. When we separated I decided to use my own Venmo account. My parents sent me $ XXXX to help my buy a car independent of my ex. When I tried to transfer the money from my parents to my own bank account ( with only my name on it ) Venmo said that that account was linked to someone elses. I immediately initiated a chat with Venmo customer service and told them I was having trouble and I suspected my ex was using my card. The support person said his account had nothing to do with my account, then promptly said actually his account was effecting mine. Then I proved my identity and that I am not him. I also verified my bank was solely mine, with bank statements. I also got my ex to call them and verify his own identity and they we are in fact two separate people. Venmo then lifes MY acct hold and TOLD ME to do a standard transfer with the bank account Id proven belonged solely to me. Apparently, initiating the transfer that THEY TOLD ME TO DO, caused my account to be frozen. They said it was bc it seemed my exs account was also mine and he owes them $ XXXX. My account had just under $ XXXX stuck in it. I offered to cover whatever he owes with my own funds since they claimed I was responsible for BOTH accounts, however, they then said I couldnt use my actual verified account to cover the other accounts debt. So they said both accounts are mine and therefore my responsibility, but I couldnt use my actual account to pay off the debt owed on the other since the other account isnt mine. Does that make any sense??? 
Also, this brings me to my next point Venmo lets people link bank accounts that DO NOT BELONG TO THEM. How crazy is it that my attempt to prevent fraud lead Venmo to literally steal my money. They are holding $ XXXX more than what they claim I owe hostage ( even tho its my exs debt ) and not even letting me resolve it. Theyve essentially found a clever way to steal $ XXXX from me. I grew up in foster car ( spent 16 years moving from placement to placement ). Im trying to untangle from a really unhealthy marriage and Venmo has decided to use it as an opportunity to steal from me instead. Im at a complete loss at what to do. Please help and make sure they dont continue to do this to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 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: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I had four car dealers run my credit and now I've 39 hard inquiry on my report, some dealerships ran my credit 2 and 3 times which makes up a total of 39, this is pure nonsense that all of those car dealerships ran my credit like that, furthermore it has lowered my FICO score and it just is unbelievable at this point!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital one auto financing put inquiries on my credit report XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 i called and informed them that I did not consent. They said XXXX did it. I never gave XXXX my consent and asked XXXX for and documentation with my consented they couldn't provide me with anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My mother had a credit card with Bank of America and it was with my checking account with Bank of America. Two years ago, when my mother became ill, they charged off her card and took {$3500.00} from my checking account, affecting adversely my business operations. I agreed to pay them {$100.00} per month to pay for this. The monthly {$100.00} installments then stopped in late XX/XX/XXXX, so I assumed it was all paid off. Then on Friday, XX/XX/XXXX, Bank of America took {$5100.00} from my account, claiming it was for my mother 's card. This money was about to be wired to my business partner and I had already made the transfer request and without any notice, Bank of America took the money and the transfer did not go through. I just finished fixing the damage from the last time Bank of America did this and now they set me back again. I feel some action needs to be taken against Bank of America. They are way out of line and I want my money back! This is affecting a good partnership I've had for many years. I also plan to report them to the Board of Governors of  the Federal Reserve, and I would like to get the news media involved if possible.

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 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to Transunion in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to XXXX for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.

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 2019-08-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Hello. I have had a recurring problem with an XXXX store credit card issued through Comenity Bank. 

After one payment of {$35.00} I authorized, Comenity then issued a duplicated charge of {$35.00} that I had not authorized. As usual, I have complained to the said company and to my Credit Union. 

As this has occurred at least three times with this credit card, what are my options? Is there a way to contest the bill entirely as their faulty charges have increased my bill to the point of me not being able to pay it off even after the course of a year although the bill is under {$700.00}? 

I do not think the company is fair of abiding by the law. 

Sincerely : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: OH

Complaint narrative:
I had a open account with XXXX that was fraudulently opened by someone. I submitted the XXXX fraud packet and have not had a response from XXXX. I did not approve the account to be opened and I was charged with an account in my name that I did not open or approve of. I asked that this account be investigated and that it be erased from my record. I did not approve of this account nor did I know that it was open and that is unfair to me and my identity, I have not received a response from XXXX or the erc collection agency.

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 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF THE WEST
State: NE

Complaint narrative:
On XX/XX/XXXX a company deposited XXXX ( money order ) this was on a thursday afternoon. Friday XXXX there was XXXX in XXXX purchases from my account then friday afternoon the money order or aka deposit was taken back. After all was said and done there was a negative balance of ( XXXX ). I tried to call the bank after XXXX and was on hold for over 3 hours. I finally got someone on the line and he said i would have to go to the bank and talk to a banker. Sat XXXX there is only one Bank of the West open. I went there sat XXXX   and spoke with XXXX and was informed that there was a breach in the mobile/online banking. I was then informed that it would be 10 to 30 days to investigate what happened. It has been 28 days now and they are not refunding me the money. I see on several sites that if you go in 2 business days or less i would be responsible for XXXX not XXXX. This deposit should never even been ok 'd for use. I need this money back as now i basically went to work for XXXX for free and still have bills due. i have the copy of the statement, i have a copy of the money order that was deposited. Please advise what else i am supposed to do to retrieve my funds. When i banked at XXXX XXXX XXXX XXXX   they would have held that deposit for 5 days before the funds would have been available.

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 2019-08-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We have three Cd 's. all were selected with the option to have the interest credited monthly to my XXXX year old mothers checking account. It happened for a few months then stopped. 

I called and was told there was a problem with their program and the interest would have to be credited manually each month. They didit in XX/XX/XXXX but now nothing has happened in XX/XX/XXXX. I called this morning and was told someone would call me back. No one has called. My mother needs the money to live on. This isvery upsetting to her, at her age of XXXX. 

Citibank does not care

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 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Business Revenue Systems, Inc.
State: FL

Complaint narrative:
at XXXX on XX/XX/19 I called the collection company to offer to settle the debt for 50 % since I am unemployed and still recovering from XXXX. 

The man on the phone refused to work with me. 

I then told the man to cease and desist contacting me, that I would work with the original doctor 's office that I owed. 

The man then called my cell phone twice after I told him to cease and desist ( records available ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AUDIT SYSTEMS,INC
State: CA

Complaint narrative:
I have recently received a phone call from Audit systems at XXXX and they are saying that I have a outstanding debt from a company and they wont provide any information about the debt, they have some information but keeps asking me about more information about my personal life information that should never been asked. The debt was never verified by the reporting company as written off, and could not even provide statements of so called documents of charges that rendered service that was not covered by insurance. The debt collection agency would not issue any verification of the charges that she was trying to collect and repeatedly request and gave a 2 day call back retraction schedule for a sunday since the call was taken Friday. And I was told to call back if any ideas or suggestions about this debt and the call is outgoing only. So it sounds very much fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: Navient Solutions, LLC.
State: CA

Complaint narrative:
This student loan was for my daughter who requested a deferment because she graduated from college with her XXXX.XXXX  in XXXX  in XX/XX/XXXX. Moreover she was still in school in XX/XX/XXXX - shows 60 days late ... also XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ... she was still in school ... In XX/XX/XXXX it shows 120 days late ... could you please correct this ... thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 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: CA

Complaint narrative:
I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to Equifax for the debt of XXXX XXXX for {$51.00}. I also wrote letters to XXXX for the debts of XXXXXXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wrote letters to the credit agencies as well as the collections agencies to have them provide proof under federal law that the debts belong to me. They did not provide any proof whatsoever other then letters saying that the debt was verified as belonging to me. No physical proof was provided as these debts do not belong to me. I wrote letters to XXXX in regards to XXXX XXXX debt {$490.00}, and XXXX XXXX for {$2300.00}. I wrote letters to XXXX  for the debt of XXXX XXXX for {$51.00}. I also wrote letters to Experian for the debts of XXXX XXXX XXXX for {$2900.00}, XXXX XXXX for {$2300.00}, and XXXX XXXX for {$490.00}. I wrote multiple rounds of letters with no proof provided. I would like these removed from my records as soon as possible.

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 2019-08-09 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: CarMax, Inc.
State: MD

Complaint narrative:
I have inquiry from Carmax XXXX XXXX on XX/XX/2019 i never applied for a loan from carmax and never authorized anyone to inquire on my behalf. I called Carmax, asked for a supervisor. Asked for any proof of my authorization. they refused to give my anything also refused to remove from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I deposited a XXXX check into my checking account at Bank of America. The bank put an 8 business day hold on my deposit. They did not make at least XXXX dollars available after 3 business days. I believe this is a violation of the expedited funds availability act. The entire check is on hold for a total of 12 days including the weekends. I am in good standings with the 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 explanation
Consumer complaint received 2019-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
My mortgage company is refusing to close an escrow account that is not required by the loan agreement. 

After speaking with them by telephone three times and submitting a request on their website requesting clarification and documentation as to why my request to close my escrow account was denied, Caliber has provided no proof that an escrow account is required for my loan. In summary, in a letter dated XX/XX/XXXX, Caliber denied my request to close my escrow account due to the reason " Your loan has lender placed insurance or an outstanding lapse of insurance coverage. '' My loan does not have lender placed insurance ( although it previously had ) and has never had a lapse in coverage. Caliber agents advised by telephone that, despite the denial letter 's reference to the current status of the loan, the denial is based on XXXX XXXX 's requirement that any loan that has EVER had lender placed insurance or a lapse in coverage have an escrow account. This directly contradicts the reason given in the denial letter. When I asked the Caliber agents to provide written documentation of guidelines used to deny my request and which supports their contention regarding XXXX XXXX requirements, they were both unable to so, directing me instead to do my own research on the XXXX XXXX website. When I made a written request via Caliber 's website for clarification and documentation, I received only a one-line response ( " Our records indicate due to a lapse in insurance coverage in XX/XX/XXXX there was a lender place insurance policy opened for your property. Due to this having occurred your request to remove the escrow account was denied due to the lender requirements. " ). This response failed to provide an explanation for the discrepancy with respect to the denial letter or proof of lender requirements.

Company response to consumer: Closed with explanation