vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This is my third complaint filed in the last 5 days. The previous ones can be referenced as numbers XXXX and XXXX filed on XX/XX/XXXX and XX/XX/XXXX respectively. Since the second complaint was filed and after two emails sent to SunTrust 's senior Vice President, XXXX XXXX, I was finally contacted by a person in the Executive Services Department trying to resolve the issue created by the bank arbitrarily holding a {$10000.00} check for ten days as of today. I also contacted the SunTrust regional manager over their branches. Both offered to help but after three days, each contacted me to say that they had reached out to the SunTrust fraud department " back office '' only to find that the folks in charge there are steadfastly refusing to release my funds until XX/XX/XXXX - twelve days after they were deposited. This in spite of the fact that the issuing bank has confirmed that they funded their check on XX/XX/XXXX. Seeking contact information with the fraud department, everyone I could talk to has made it clear that the fraud staff are " not client facing '' which means they are unreachable for an appeal. Likewise, the executive offices are hiding behind a stone wall. Lower level employees have all maintained that the executive offices have no phone numbers. That's obviously not true! 

I complained that the only fraud being committed in this case was being perpetrated by SunTrust 's fraud department. They have had my money for nearly a week and still won't clear the deposit check into my account. At this late date, nothing more can be done to hasten the process. But still I want the complaints I have filed to be made public and to have the government send notice to the bank that their behavior is being observed. 

I have been with SunTrust for 35 years and have never had a check held before. The entire staff whom I have been able to contact have been unmoved by my dilemma, and unhelpful in finding a solution. Incompetency in doubling the hold by withdrawing not {$10000.00} but {$20000.00} from my account and then using the automatic " overdraft protection '' to overdraw a second account by nearly {$7500.00} only added insult to injury. Those steps effectively deprived us of access to all our cash in the bank for a couple of days. This has been maddening. 

When we get our cash on XX/XX/XXXX, we will immediately open new accounts with a competitor so that SunTrust can not bully us again in the future. Ironically, the merger with BB & T seems to have emboldened SunTrust to run roughshod over even longstanding customers. The new name, Truist, is a complete joke. These folks are proving to be dishonest and unethical in the extreme. My advice is to stay away from this 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 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Victim Fraud Assistance Department, XXXX  Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to Experian, XXXX  and XXXX  as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to Experian, XXXX and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2020-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Sent dispute letter XX/XX/XXXX and investigation was not done within 30 days - so the negative items must be deleted. Thank you. 

P.S. I have proof attached.

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 2020-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Opened checking account with Ally around XX/XX/2019. Took months an correcting my address 3 times to finally receive my debit card and checks. After a few pay cycles, was given a bad check for a job. Charged {$7.00} for the returned check, my account was frozen and I was told my money would be accessible when I made a police report for the unpaid bill issue which was done that day so I was told I would be good to go in a few days. Fast forward about 3 weeks, and about 7 direct deposits later. All of my Bill 's have been declined causing late fees, card has been declined so my kids are currently living without groceries and diapers and toothpaste and shampoo. After hours of being on hold, I am finally alerted that my account has been closed and I STILL have not been given my own money which means I can't open another account and my direct deposits are still going to their company. I have been robbed, plain and simple.

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 2020-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In XX/XX/2017, the Consumer Finance Protection Bureau filed a lawsuit against XXXX. The CFPB accused XXXX of failing to act in its customers best interests. Among other things, the CFPB charged that XXXX :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am having problems with experian reporting my XXXX XXXX credit card on their report. Ive call them 15 times been on hold for 30mins, hung up on 5 times. Told something different every time. XXXX XXXX reports to all 3 agencys its on my XXXX and XXXX XXXX but not Experian. Experien tells me to call XXXX XXXX, XXXX XXXX tells me to call Experian. This has been since XX/XX/2019 with no resolve. Experien tells me to have XXXX XXXX call them directly but there is NO department that does this. I cant file a dispute because there is not option for this. XXXX XXXX told me to write a dispute letter to them and state they arent reporting but the is NO where to write the letter too. Im at a standstill loss here. I have no idea what to do next.

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I have tried to contact this apartment complex to have them show my signature on any signed documents. I have never stayed in an apartment within the last 25 years. 
File Number : * XXXX Amount Owed : * {$240.00} Collection Date : *XX/XX/2019 Original Creditor : * XXXX XXXX Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: CITIBANK, N.A.
State: KS

Complaint narrative:
This is regarding the following billing disputes with Citibank : XXXX XXXX XXXX Purchase Price {$9.00} Purchase Date XX/XX/XXXX Dispute Date XX/XX/XXXX Withdrawn XX/XX/XXXX : XXXX XXXX XXXX Purchase Price {$10.00} Purchase Date XX/XX/XXXX Dispute date XX/XX/XXXX Withdrawn XX/XX/XXXX : I was issued permanent credits with no additional documentation required. Recently, I was informed by Citibanks executive office, XXXX and XXXX, that they have been issuing me permanent credits, but when a merchant disagrees with my dispute, they have still been paying them as well. Then, they have been taking the amounts and charging them off on their P & L sheets. Then, they have been coding my disputes as misrepresented despite failing to ask me for my own supporting documentation. 
I have discussed the problems with refunds over the last 12 months with the XXXX store manager, I have written an online complaint to their corporate office ( they still have no responded ), I have filed a XXXX   complaint against their corporate office ( they still have not responded ). The XXXX store manager apologized for the problems and has issued me in-store comps for three meals. I have received two so far. I have withdrawn both of the disputes despite not knowing whether Citibank paid this merchant or not, because they have failed to provide me with a complete list of the so-called misrepresented disputes. Despite withdrawing both, the only one that has been rebilled is XXXX. In addition, despite asking for full dispute paperwork and the merchants response in writing to their billing department, they have failed to provide me with the documents to date. In addition, Citibanks Notices and Letters page isnt showing any of the dispute paperwork. The majority of my dispute paperwork has either never been uploaded or has mysteriously vanished. They have also not sent paperwork to my mailing address regarding these disputes. 

I am including screen prints of the dispute summary, copies of the comped receipts, copies of e-mails sent to billing disputes, a copy of the transaction rebill, a copy of how to calculate sales tax for XXXX, and a copy of this letter in PDF format.

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 2020-02-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I returned the Car that I had a lease with US Bank. The monthly payments were {$950.00} done on the XX/XX/XXXX every month automatically by my bank, the XX/XX/XXXX of the month was the due date ( as seen on US Bank statements attached ). 
On XX/XX/XXXX US Bank fraudulently sent a statement with a due lease payment by XX/XX/XXXX ( The lease had finished by then ). My Bank on XX/XX/XXXX paid the due amount of {$950.00} for the period of XX/XX/XXXX to XX/XX/XXXX. This payment was a wrong charge as the Lease ended on XX/XX/XXXX, so the last payment should have been on XX/XX/XXXX, covering the period on XX/XX/XXXX through XX/XX/XXXX. 
I called US Bank and they told me the money would be refunded, I called again on XXXX and was told the same thing and today XX/XX/XXXX ( two months after ) I was told the same story.

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 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
FTC Report Number : XXXX Victim Fraud Assistance Department, XXXX Breach Victim I have included all pages with the official police report from the XXXX Police Department. Also, you have a notarized FTC Federal Identity Theft Victim 's Complaint and Affidavit. Under FCRA 605B ( 15 U.S.C. 1681c-2 ) you are to block any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I sent you clear legible copies of my credit report, FTC Identity Theft report, Official copy of the Identity Theft Police Report signed and notarized. I previously notified you in recent certified letters and affidavits that I am a victim of identity theft, and requested that you do the following : Close the unauthorized accounts and credit inquires Remove any charges on the unauthorized account, and Take steps to remove closed account information about this account from my credit files I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used fraudulently. I did not open or authorize these accounts and inquiries, and I request that it be closed immediately. I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to XXXX, Transunion and XXXX as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the F.T.C 's Identity Theft Affidavit, which explains your responsibilities when reporting information to XXXX, Transunion and XXXX. Please stop reporting this fraudulent information and delete these items attached to my complaint as soon as possible. If you do not otherwise block my consumer information on my credit reports I will be left with no choice but to file a lawsuit that you volatile the F.C.R.A 605B law and how Its affecting my ability to work and buy a home.

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 2020-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX  XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
I took out a registration loan in 2015 with cash time loan center and made several payments, however I fell behind and tried to make a partial payment and they refused. I lost my job and vehicle and have not heard from the company till I was served with small claims in pursuit to a statue that is for implied warranties. Which the amount borrowed was less than {$500.00} which the law caps the interest rate. However in the lawsuit they are requesting 202.29 % in interest. I have made several calls to company left voice mail with no response. The company waited 5 years to accrue interest on an a predatory loan. several payments were made to this company as balance was no where near the {$660.00} they are suing for outside of statue of limitations law and filing under false statue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: GA

Complaint narrative:
I was a XXXX  in XXXX XXXX. I was injured during football practice on XXXX XXXX County School District. I also had Florida XXXX ( XXXX XXXX ) and XXXX XXXX! My mother called the office of XXXX XXXX  informing them of this information. The biller at the office refused to listen or bill either of the insurance companies. Im not responsible by law for this bill. They need to bill XXXX XXXX, than bill XXXX and if a balance is left they are to bill the XXXX XXXX County School District.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 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: Midwest Recovery Systems
State: TX

Complaint narrative:
I just checked my credit report today, XX/XX/2020. There is a new " delinquent account '' listed from Midwest Recovery Systems. It states that the account with them was opened on XX/XX/2020 and that I have a debt of {$1500.00}. I have never received any communication from this company whatsoever, not by email, phone or mail. When I tried to phone the company, I was placed on hold for several minutes and then the call was disconnected. I have no idea who this company is and I would like them reported and removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WINN LAW GROUP, APC
State: CA

Complaint narrative:
Hello, First off, I was never served. I did however, receive notice of a wage garnishment so I made arrangements with all documentation of my personal debts to appear in court. I sat in a courtroom which was noted where my case would be heard, then not realizing I was given the wrong court room number until court hearings were completed. When asked, bailiff directed me to court room office to inquire. Come to find out, I was in he wrong court room number and when I reported to correct courtroom, I was told my case had been heard and there was nothing I could do about it but that my garnishment was lowered to Winn Law Group, XXXX, Ca. I just feel as though I was unjustifiable taken advantage of without any evidence provided to me of debt amount and due to the financial hardship, I had no choice but to sell my home of 20 years before I could lose out on equity of home. 
In addition, I experienced unethical situations with hired real-estate agent from XXXX XXXX, unsure ( possibly XXXX or XXXX ), Ca. Started off as I hired him and as the 6-month time-frame came to closing, he unethically acted as though he was hired by buyers and did not communicate with me. Instead had wife participate in communication. Was asked by her to sign disclosures but I never did sign, so if on file, would be forgery. 
As well as escrow officer, at first was told, she could not assist with any assistance in signing or advise but then as closing approached and I arranged to meet up with her to present notarized documents, she was quick to assist me with completing FIRPTA, Real Estate Transfer Disclosure Statement and other documents at XXXX XXXX in XXXX, Ca. Whom also asked to sign off on XX/XX/XXXX Real Estate Withholding Statement because I was previously presented and signed off on the wrong one for XX/XX/XXXX. I never signed anything, therefore, if on file, would be forgery. 
I thank you in advance and can present any documents required. Please feel free to contact me if needed ( XXXX ) XXXX. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation