vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a deposited check into my checking account for the amount of {$14000.00}. This deposit was made by a known friend of mine and cleared the bank. On XX/XX/XXXX, my account showed the new deposit was available. 
Beginning XX/XX/XXXX, I began using a portion of the deposited funds to make purchases and payments. On XX/XX/XXXX I noticed that my debit card for the account was no longer working. I tried to access my account online and was not able to log in. I first got in touch with a customer service representative at SunTrust Bank " Now Truist '' on XX/XX/XXXX. They informed me that all 3 of my personal checking accounts were frozen and being investigated by their prevention & loss fraud team. 
As of that date, I was told that they would be looking into the matter for 5 business days and would determine after this point if they were closing the accounts. They informed me that the investigation could last 5 business days, the closing of the accounts would be 10 business days and that I would ultimately receive my funds, if they owed me any, at 7 to 10 business days after the first two processes were complete. 

It has been 17 days since this began and I have still not been given a specific reason as to why this is happening. I have spoken with countless customer service representatives at SunTrust Bank and they all tell me that it is being investigated by their internal fraud department. I have also spoken with the Branch Manager, XXXX XXXX, at the XXXX, GA location. ( XXXX XXXX XXXX XXXX, XXXX GA XXXX ) She has attempted to escalate this up with no solution. 

I have been a customer of Suntrust myself for almost 10 years and one of the accounts has been in our family since XXXX. I understand that they say this is their policy and can freeze accounts without warning, but I have yet to see any letter informing me of this. I have been given no answers specifically to what caused the freeze. I can only assume it is the check that was deposited on XX/XX/XXXX. I have also had the endorser of the check and their bank confirm that it cleared. 

I have searched online and this seems to be common practice from SunTrust Bank and it is an unfair practice to not give any information to the customer.

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 2020-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ARC Management Group, LLC
State: CA

Complaint narrative:
I owed about {$1000.00} to a credit card company. The discharged this debt to ARC ( I can not remember their actual name. Just the acronym. Whenever i question them about who they are, they refuse to give me information about their company, won't tell me their full company name, contact information, or anything like that ). 

Their website is here : https : //www.arccollects.com/ I would give you names, but it seems like they are using fake names, because when I have called back to speak to the last person, even if 30 seconds later, they are always " at lunch '' or something. 

They called me a few months ago, were extremely rude, and refused to tell me who they are or what they wanted. I told them not to call me, and to send me written correspondence if they really wanted to talk to me, and that my current address has been the same since before I owed the money to the credit card company. They never sent anything. 

Last week they called my XXXX year old grandmother, lied to her saying that I gave them her number if they need to get in contact with me, which is not true. My phone number has not changed in almost 10 years, so they could have called me directly, but didn't, instead calling my grandmother as a scare tactic. I subsequently called them back and the gentleman I spoke to the first time picked up, played the same game of not telling me who they were, and of course, the person that spoke with my grandmother was not there, so they transferred me to someone else. 

I told this lady that there was not excuse for them to contact my grandmother in an attempt to get me to pay, that I am out of work, and can not pay now. She continued to tell me " that's how collection works '' ... I told her that harassment is against the FDCPA, she basically just said the same thing until I told her to not contact me or my grandmother or anyone in my family again. That was last week ( XX/XX/2020, from XXXX ). They also use numbers from MY area code to get me to pick up. They are from Georgia if I am not mistaken, and have no offices out here. 

This morning, I received a call from a XXXX area code, and when I picked up, they hung up. I called back, and sure as heck, it was the same guy that I spoke to the 2 times earlier. I asked if they were ARC, and he ignored the question, asking me for MY information. 

This company has already violated multiple aspects of the FDCPA, ignored my requests for a cease of further contact, and have tried to harass me multiple ways, so far the worst of which, is calling my grandmother and lying to her. I will do whatever I have to do, even if I have to sue them, for them to realize what they are doing is not cool and illegal.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My complaint is about Regions Bank. I had been a customer of Regions for over a decade when I inquired about a home mortgage loan in XXXX. The loan officer explained to me that because of my outstanding student loan debt, I would not qualify for a mortgage but could have an installment loan from Regions. She said once I showed a year of faithful payments on that loan, my credit score would be high enough to qualify for a home loan. But that is not what happened - the hard inquiry lowered my score, I did use the funds to pay down other loans but then had an unreasonably high monthly amount that I was unable to meet due to XXXX XXXXXXXX and related expenses. On XX/XX/XXXX, I called my loan officer to see if we could lower the monthly payments from {$350.00} to {$270.00} for three months. She said she would check and get back to me, but at no point explained that Regions would conduct a hard inquiry on my credit score, which lowered my score even more. Regions denied me for a lower monthly payment even short-term, and therefore I had no choice but to file bankruptcy in XXXX, XXXX. Now my bankruptcy is over a year old, but the hard inquiry placed by Regions without my knowledge or consent remains on my credit report and I remain a renter with disposable income that I would like to spend on a mortgage. 

I assert that Regions Bank operates in poor faith and engages in predatory lending practices. I would like that hard inquiry removed from my account and some type of oversight and enforcement over the bank so this does not happen to anyone else.

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 2020-08-10 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i filed disputed on XXXX XXXX and still have yet received anything documents back

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 2020-08-10 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-10 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX {$260.00} XXXX XXXX {$75.00} XXXX XXXX XXXX {$140.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANRUPTCY DISMISSED XXXX {$0.00}

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 2020-08-10 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: FL

Complaint narrative:
I have requested XXXX XXXX XXXX to provide proof that they are licensed to collect in my state of Florida, but instead they only sent me generic claim that they validated the 2 disputed accounts. 

Also, Equifax failed to comply with FCRA and investigate my dispute claiming ( in my earlier CFPB complaint ) that they " didn't receive my authorization '', even though I provided them with my last 4 digits of SSN,  name and date of birth. To prevent them from doing it again I attach a copy of Equifax credit report showing the disputed accounts. 

Please investigate and delete these false disputed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX ( XXXX XXXX   XXXX ) from XXXX of XXXX to XXXX of XXXX. The lease stated that a visual inspection of the home would be performed at the conclusion of my lease and stated that it would be performed using a blacklight since I have pets. As such, when I moved into the apartment, I performed an inspection including using a blacklight. I did not on the move in form that there were several stains on the carpet which they said they would resolve. 

When I went to move out, they brought in a carpet crew to lift the carpet and review the underside. This was NOT stated in the lease that this would be a means of inspection or I would have demanded the same prior to moving in. They identified a stain that could not have been caused by my dog since I moved my furniture into the home before I brought my dog and the stain was always covered by furniture the entire time my dog lived there. She died only 2 months into the lease. 

After my lease was terminated, at the end of XXXX, I was contacted from the apartment complex front desk staff saying that they had mailed me an invoice and that it was due. I had never received an invoice nor do I feel that I am liable for a stain that was not caused by me, nor was I ever given adequate ability to inspect. They told me they were promptly turning my debt over to collections. 

On XX/XX/XXXX, I was contacted by Genesis and told they were hired by XXXX XXXX ( the owners of the apartments ) and that they were collecting {$1300.00}. I promptly contacted them and told them I was disputing this as I don't believe I owe as XXXX violated the terms of their lease agreement. 

I had my attorney reach out to them. On XX/XX/XXXX, XXXX XXXX of XXXX XXXX XXXX sent a request for records and a formal dispute. The collections company did not reply. My attorney subsequently sent in supporting documentation and again got nothing. 

A collections appeared on my credit report in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX XXXX XXXX {$64000.00}

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 2020-08-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX/XXXX   XXXX {$5800.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX {$14000.00} XXXX  XXXX XXXX {$64000.00}

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 2020-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I called in XX/XX/2020, Quicken Loans/ Rocket Mortgage for forbearance during the COVID shutdown in CA. Although my remaining loan had 10 years left to be completely paid off, my employment hours was cut in half, I needed assistance. They offered forbearance on my loan to put 3 months of payments onto the end of the loan. I accepted. 3 months later I applied for an additional 3 months due to the recent 2nd shutdown and was granted by letter, an additional 3 months by Quicken Loans. 
However, when I called Quicken Loans to confirm this, I was transferred to a loan modification representative. The representative said I was eligible for a loan modification that would lower my payments, but refused to tell me the terms, saying I could review the terms on their website. I asked again about putting the payments onto the end of the loan, but was told this new payment would lower my monthly payments. She asked for my account number and routing number to " lock-in '' the lower rate. I gave her the information thinking I was going to get a lower payment overall with no change in the life of the loan. 
The next day, I looked on the Rocket Mortgage website and found they had doubled my loan amount owed and changed the terms to 40 years. 
I called Monday morning to Quicken Loans to cancel this loan modification but was repeatedly told by a scripted representative I had agreed to the loan modification by providing my account number and routing number. I asked to cancel the loan modification, stating the terms were repeatedly refused to be disclosed until after I had agreed to the modification. Again, a scripted response, I had agreed to the loan modification. 
I believe this is fraudulent misrepresentation of forbearance offered to me originally. The representative of Quicken Loans misled me to believe I was getting a lower payment plan without any change in the length of the term. 
I was not allowed to cancel the loan modification in my conversation with a loan representative, being told repeatedly by scripted employees, I had agreed to the loan modification. 
I believe Quicken Loans is taking advantage of Americans in COVID forbearance to get them to agree to loan modifications, advantageous only to Quicken Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 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: FL

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

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 2020-08-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Experian is terrible to work with in trying to resolve a Freeze. I know at one point I froze my accounts. I am trying to unfreeze to qualify for a mortgage. I have spent the last hour trying to reach someone at Experian. I believe I incorrectly pushed a button and it froze my account. It is not possible to speak with a person. The one time I was able to reach a person she immediately hung up on me. It shouldn't be a multi-day complex process requiring numerous hours to be able to unfreeze my credit report. Someone should be available to help and this should be a requirement by the government after all of the pain the credit reporting services have caused the American Public. These companies are absolutely miserable to deal with.

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 2020-08-10 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: TN

Complaint narrative:
I had a HORRIBLE experience with Experian customer service this morning. It's been 40 days since they received my dispute on XX/XX/XXXX ( I have attached proof of tracking AGAIN ). Their investigation has taken over 30 days and they have not removed the unverified items. Instead of removing, they want to start an entirely new investigation. NO, just remove the unverified items! It's been 40 days an they have yet to verify ANYTHING.

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 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I have finance my vehicle with GM FINANCIAL for over a year almost a year and a half and have had trouble getting it reported to XXXX even though they say its being reported. I have called numerous times to GM AND XXXX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX  and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with XXXX. I have offered to send my payment information my loan information and XXXX refuses to take it from me stating it has to come from GM Financial. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my XXXX   report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have finance my vehicle with XXXX XXXX for over a year almost a year and a half and have had trouble getting it reported to equifax even though they say its being reported. I have called numerous times to XXXX AND EQUIFAX only to be told an investigation will be opened to correct the matter its been almost 2 years and its still not showing even though it reports to XXXX and XXXX. This is not helping my credit when I have a car loan that Im paying on time every month and have not gotten credit for it and it looks like I dont even have a car loan with equifax. I have offered to send my payment information my loan information and equifax refuses to take it from me stating it has to come from XXXX XXXX. When I reach out to them they say they have sent the information and up until now I have gotten nowhere. Please help me get my loan reported accurately on my equifax report.

Company response to consumer: Closed with explanation