vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: ID

Complaint narrative:
Suntrust Mortgage refuses to recognize me as having the legal authority to conduct business and receive information regarding the status of the mortgage in the name of my mother, XXXX  XXXX. XXXX. 
My father, XXXX XXXX XXXX, passed away XXXX of XXXX. 
My mother, XXXX  XXXX. XXXX, passed away XXXX of XXXX. 
I am the surviving trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX family trust. As such, I am authorized to conduct all business financial and otherwise on their behalf. 
I provided to Suntrust Mortgage, per their request, on XX/XX/XXXX the following documentation : 1. Origintnal death certificates for both XXXX XXXX and XXXX  XXXX. XXXX 2. Notarized documentation of my appointment as Trustee of the XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX 3. A notarized copy of the Deed of Distribution of their personal home located at XXXX XXXX XXXX XXXX, XXXX ID XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
4. A XXXX XXXX Sales Verification Receipt verifying the deed transfer of the real property located at XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I call Suntrust Mortgage to discuss the status of this loan I am told that they can not speak to me because I am not authorized. I am told that when they look in the computer they do not see the documentation that I sent. However, I have documentation that they received the documents.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have asked many, many times to have them take me off their list... they just laugh at me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am a mother of three children. I had my last child on XX/XX/21. On XXXX Wells Fargo phone number called me to inform me there had been fraud on my account in the amount of XXXX. The transaction was pending so I called the bank to have them stop the transaction. They refused because it was done through XXXX and told me it would be a learning experience and they would not be refunding my XXXX. The fraudster had Wells Fargos phone number their hold music and I did not give them any information on my account but they had it all. I am now at a loss and unable to pay my mortgage.

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
A new practice has developed at Truist bank that is clearing checks in the middle of the night. I guess the Reserve transfers the check copies over to the banks at night and when Truist receives the check copies, the checks are cleared with the previous days date, although the day to me has been closed. The process to help people not bounce checks has been established the deposits credit first. In this way, if you see an amount pending, a deposit can be made and avoid overdrafts. This practice of clearing checks between normal business hours means that I can check my account at XXXX and have a positive balance, but get an alert at XXXX am that my account is overdrawn. Immediately, the bank charges a fee for NSF and dates the check cleared as the day previous. If the check were dated on the actual date of the XXXX am day, then I would get a notice that I have a PENDING NSF balance and would have a business day to make a deposit. In short, I feel like the bank has a notice with a time posting that specifically states that transactions after closing ( might be XXXX pm ) will be processed the following business day. It only seems to follow that also debits posting after the specified time should also post on the following business day.

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 2022-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
AMSHER COLLECTION SE was notified of their mistake in placing a debt on my credit report that was not mine. They did not provide proper notification per the FDRA before they placed this item on my credit. Had they done so they would have been notified that this debt is not mine and proper means to show proof would have been presented to them. AMSHER COLLECTION SE after being notified of their mistake ran my credit again and put the debt on my XXXX and XXXX reports twice on each report. This happened after my first complaint to the consumer finance department and my letter sent to them directly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX of 2020 I was notified that my US Bank Focus Card had a fraudulent charge and was deactivated. I was told a replacement card would arrive within 2 weeks. I waited until XX/XX/XXXX before calling the US Bank Focus Card hotline because I knew that the holidays would slow down the shipping. When I called I was notified my card hadn't even been sent but that a new one had been sent with expedited shipping and would arrive by XX/XX/XXXX. It is now XX/XX/XXXX and my card still hasn't arrived. I called the hotline again and was told the card hadn't even been mailed yet. It's now been a full month I haven't had any access to my funds and it is all due to the incompetence of this financial institution. I would very much appreciate it if something could be done to not only ensure I haven access to my funds but to also ensure those in charge of the US Bank Focus Card can't XXXX  over any other people.

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 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found XXXX credit cards opened fraudulently in my name. 
XXXX from XXXX Bank, XXXX from XXXX, and XXXX from USAA totaling {$25000.00}. 

When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. 

I contact the banks immediately, asked for the application - I was ignored. 
I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. 

My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Without my knowledge or consent, someone charged {$8800.00} to my XXXX XXXX XXXX XXXX Barclays credit card. When I called Barclays to file a dispute, XX/XX/XXXX immediately after discovering this, Barclays refused to open a dispute. They said they do not do this, first I have to wait 2 weeks and try to resolve my self. XX/XX/XXXX, I attempted to resolve with the business ( I do not know which employee committed the act. ). One manager initially acknowledged a mistake had been made and was going to refund my card. When I went in for credit, a different person was there and threatened me ( I have a witness ). XX/XX/XXXX I submitted a written dispute letter with a case number, to Barclays. Barclays never sent a letter acknowledging the total inn spite of repeated requests for one. XX/XX/XXXX I received a letter, but it had a different case number. In XXXX I did receive a partial credit ( {$3200.00} ) Barclays said there had been no response from the merchant. In XXXX I continued to call asking why a different case number but no one knew. A 3rd number was assigned in XXXX where the representative said she would attach the new file number to the original XX/XX/XXXX letter. I sent several written letters and have attached all evidence in section 3 with specifics and my original dispute letters, proof of on time notice ( Fax company ) and Barclays response.

Barclays assigned two more case numbers following the original assigned case number and dispute letter. In XXXX I received notice from Barclays that said I had not filed in time. During all the months I was told the " back office '' was investigating this, I called and checked in and believed Barclays was doing something. Please read my attached detailed chronological list of events. Worse now, is I have to pay interest on a fraudulent charge.

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 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer, a natural person and the original creditor of an open-end credit plan, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized. Certified Mail # : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
I am XXXX XXXX, and I'm submitting this complaint myself, and there is NO THIRD PARTY INVOLVED. 
I, XXXX XXXX, consumer, and natural person, have been a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand pursuant to 15 USC 1681c-2 ( c ) that you have the Authority to Decline or Rescind. I assure you the information that I am presenting to you was not blocked in error. No material misrepresentation of the fact has taken place. If you believe that I obtained possession of goods and services, I need a senior XXXX member of this company to put it on an affidavit signed under the penalty of perjury notarized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX I went to the Citibank branch on XXXX XXXX XXXX XXXX in XXXX CA to withdraw cash in the amount of {$8000.00}. 

I had previously been unable to update my pin number online due to maintenance. 

Also my security questions asking for my mothers maiden name could not be verified. 

Since the wire was recent, the teller informed me they could not process my request at the time and to call Citibank. 
I stepped outside and called Citibank to confirm my identity associated with this account I went back inside to continue my transaction and the manager was acting suspicious the whole time and immediately gave me a number to Citibank 's fraud department without offering any resolve. 

I now find out that my account is not accessible and the checking is under investigation.

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 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: I.C. System, Inc.
State: TN

Complaint narrative:
I am getting upset because I still can see these items from my report. You have failed to send any proof or documentation bearing my signature.

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 2022-01-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I submitted a certified dispute letter to XXXX Credit Bureau, XXXX and Experian. The letters were confirmed received on the following dates to Experian on XX/XX/2021, XXXX on XX/XX/2021, and XXXX on XX/XX/2021. I received an email as well as a letter that my dispute has been resolved in regards to bankruptcy on my report and has been verified as accurate via XXXX XXXX. I contacted the bankruptcy court via certified letter that they received on XX/XX/2021 and they stated via a response letter that they do not verify any information with 3rd parties. With that being the case there is no way that this could have been verified and I would like to have it removed.

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 2022-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2022, I opened a new checking and savings account. I created a customer log in, paid the credit union membership fee immediately, and began to set up deposits from my other financial institutions to fund my new checking and savings account. 
Suddenly, without warning, I was logged out and unable to access my new accounts. I immediately contacted my new bank and I was informed that I was accused of not having served in the United States armed forces. I was also accused of not being who I am ( identity ). I provided personal information to the phone banker in the security department. She began to attempt to persuade me to move on stating the Navy Federal Credit Union only accepts members who where XXXX XXXX! The website does not state anything of that alleged policy! She did not provide me my application ID, account number, or access number that is required on the security appeal form. 

I emailed the security department all requested documents. 
-appeal form -XXXX XXXX ( reason of my discharge are not required even though she demanded that ) -Drivers license copy -Proof of address ( county property tax bill ) I call to follow up and continue to be blow off and avoided

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Innovate Managed Holdings, LLC
State: NY

Complaint narrative:
This correspondence is in regard to application # XXXX submitted by SUNRISE AUTO SALES and decisioned by INNOVATE AUTO FINANCE which an adverse action letter was received in XX/XX/2021. My social security card is a credit card and use of it without benefit to me is a violation. INNOVATE AUTO FINANCE is dangerously close to malfeasance. The adverse action offer is here by rejected, a credit application is a financial asset ( 12 CFR 360.6 ( 2 ) ) as well as self-liquidating paper ( 17 CFR 260.11b-6 ) ). Said adverse action is in violation of the following : 15 U.S.C. 78j, 15 U.S.C 78ff, 15 U.S.C 1691 ( a ) ( 3 ), 18 U.S.C. 241, 18 U.S.C. 242. It is FACT, this complaint will serve as notice to correct all records regarding XXXX XXXX XXXX. It is FACT that INNOVATE AUTO FINANCE BANK is engaged in trust actions and has fiduciary duties to uphold. Every contract, combination in the form of trust or otherwise, or conspiracy, in restraint of trade or commerce among the several States, or with foreign nations, is declared to be illegal. I am willing to overlook the error if ALL records are corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.

Complaint narrative:
I had to file a Consumer Proposal ( XXXX XXXXXXXX XXXX  XXXX ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from XXXX Bank, 2 from Citibank, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

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 2022-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK
State: AL

Complaint narrative:
Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail DISCOVERBANK, XXXX, XXXX, and XXXX 5 different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I had to file a Consumer Proposal ( Orderly Payment of Debt ) under the bankruptcy act here in XXXX. When I did that, I found 5 credit cards opened fraudulently in my name. 2 from Chase Bank, 2 from XXXX, and 1 from XXXX totaling {$25000.00}. When I saw all that the Consumer Proposal was paying out ( from my credit report ), I realized that these were not mine- I never opened them, I never used them. I contact the banks immediately, asked for the application - I was ignored. I reported them to : https : //www.identitytheft.gov/ and have been following their program with the letter templates they provide- I was ignored. My Consumer Proposal paid them already. They don't care that I have paid {$25000.00} that I should not have had to. But they won't respond to me at all. I am the victim of a crime and no one seems to care. I don't know what to do. Identify Theft listed this as the next step.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: NV

Complaint narrative:
Inaccurate Information being reported. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am a victim of identity theft.

Company response to consumer: Closed with explanation