vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FC HoldCo LLC
State: AL

Complaint narrative:
On XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

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 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
On Friday, XX/XX/2019, my primary checking account reflected a balance of {$1100.00}. Over the weekend I spent money. Some transactions, were items I did not even authorize. XXXX XXXX XXXX XXXX XXXX already made the credit for 4 items today. On Monday, at XXXX my balance was {$690.00} and XXXX XXXX took out XXXX for an order. They were suppose to wait until Tuesday at XXXX. Ive explained to Suntrust, that there was 9 transitions and 9 fees. I begged the branch manager, corporate office and local business banker to assist me. I bring in XXXX a month to this bank and no one would help me. The money that came in, was to order carpet for a Friday installation. I want to continue business with Suntrust but not with a bank that doesnt want to work with me. I would never use my card purposely without funds on it. Now, I could face a backcharge from 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 explanation
Consumer complaint received 2019-09-19 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: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
This is my fourth time asking for an investigation of a PORTFOLIO RECOVERY ASSOCIATES Collections ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted Portfolio Recovery Associates with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX deleted the account because they could not verify or provide me with proof. XXXX, and XXXX have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. XXXX even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. XXXX, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show XXXX   and XXXX that this account was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: GA

Complaint narrative:
This is my fourth time asking for an investigation of a XXXX XXXX XXXX   XXXX ( XXXX ) reporting on my credit report. I asked in each of the four letters who verified this information and could they provide me with an original contract with my signature. I also contacted XXXX XXXX XXXX with several letters for proof of verfication and an original document with my signature and they also couldnt provide me with anything. After my second letter XXXX  deleted the account because they could not verify or provide me with proof. XXXX, and Experian have refused to delete this information and even though they say the information is verified even though they have not provided me with proof. Experian even went as far as saying that they will not re-investigate this matter after blatantly lying about their re-investigation. Experian, and XXXX   always claim they are re-investigating and each outcome on my credit results have either been stated that it is verfired or updated. Im still waiting for proof of verification along with original documentation with my signature. I even went as far as sending in a copy of my XXXX report to show Experian and XXXX  that this account was deleted.

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 2019-09-19 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: Absolute Resolutions Corp.
State: NY

Complaint narrative:
Credit reports show that the account is charged off yet this account is settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Full Circle Financial Services, LLC
State: NY

Complaint narrative:
Credit reports show that the account is charged off yet this account is settled and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: TX

Complaint narrative:
I have contact Equifax and have informed you that I am a victim of identity theft and that XXXX XXXX   in the amount of {$640.00} account is a result of identity theft YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE YOUR CREDIT REPORTING COMPANY. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before. I have never dealt with this company or the company XXXX that they represent. There is no contract bearing my signature and XXXX has never contacted me regarding this fraudulent account either. So if they never contacted me how could I inform them that the account is indeed not mine. After contacting both companies neither can provide legal binding contracts so how in the heck are they reporting this fraud account to you and you are verifying. What exactly are you looking at Equifax to verify this account because there is definitely no contract bearing my signature with any agreement with XXXX or XXXX. Please remove this account immediately. Not only that I have informed you also that this account could be a result of identity theft therefore you are not following the law by leaving this on my credit file a deletion is needed until a full investigation is properly done.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I have contacted USAA multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a USAA member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. USAA has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Radius Global Solutions LLC
State: NV

Complaint narrative:
On XXXX XXXX, a company named Radius Global Solution placed an account under collection on my credit report. The company failed to properly verified the debt or abide by the FDCPA. This account does not belong to me or I lack enough info to claim ownership of the account. For then underlying reasons, I would like the company to remove the account from my report and contact me at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: IL

Complaint narrative:
Hi There are two sperate collection agencies that trying to collect on same debt. 

Afni Inc and XXXX XXXX. I never heard of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I checked my personal credit report, which I acquired from your Experian on XX/XX/XXXX and I noticed that these unauthorized inquiries had been made : 1. XXXX/XXXX XXXX- inquiry date XXXX 2. XXXX XXXX XXXX inquiry date XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX 3. XXXX  XXXX- inquiry date XX/XX/XXXX 4. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXXXX/XX/XXXX,XX/XX/XXXXXXXX,XX/XX/XXXX 6.  XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, 7. XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 8. XXXX XXXX XXXX- inquiry date XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, 9. XXXX XXXX- inquiry date XX/XX/XXXX 10. XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 11. XXXX XXXX inquiry date XX/XX/XXXX 12.  XXXX/XXXX  inquiry date XX/XX/XXXX 13. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 14. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 15. XXXX XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX 16.  XXXX/XXXX/XXXX XXXX  inquiry date XX/XX/XXXX 17.  XXXX XXXX XXXX inquiry date XX/XX/XXXX 18. XXXX XXXX XXXX XXXX inquiry date XX/XX/XXXX 19. XXXX XXXX XXXX inquiry date XX/XX/XXXX 20. XXXX XXXX inquiry date XX/XX/XXXX, 21. XXXX XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX,XX/XX/XXXX 22. XXXX XXXX/XXXX XXXX inquiry date XX/XX/XXXX I contacted ALL creditors listed, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance.

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 2019-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

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 2019-09-19 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: FL

Complaint narrative:
I have contacted XXXX multiple times within the last seven or so years pertaining to my inability to make any transfers. Being that I have been a XXXX member for twelve or so years, I was confused and until tonight XX/XX/19 I never received any information pertaining to why. I applied for a loan and I was denied, one of the reasons for denial was unacceptable banking behavior. XXXX has repeatedly told me to call back in ten days and the report will generate with answers and every time I call back during said timeframe its either not generated or closed out. In the near future, Im applying for a mortgage and this marking on my credit file is hindering. Its been way over seven years and I never was contacted about fraud activity nor participated in any fraudulent activity.

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 2019-09-19 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCORPSOUTH BANK
State: AR

Complaint narrative:
I had XXXX XXXX dollars taken from my savings account front my bank and I didnt receive a bank statement for almost 4 months notifying me of the withdrawal after contacting them they said my son withdrew the money witch was impossible because he didnt know about the account or know the account number it was bankcorp south in XXXX ar.XXXX they also know that my son didnt take the money out of my account and whenever its brought up they play like it really happened? and are very defensive and it good liars

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
looking over XXXX credit report and their are two collection agencies thats trying to collection on the same account which I have to knowledge of and never contacted about this debt.

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 2019-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IN

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed a lawsuit against me. My address on the complaint was listed correctly in XXXX IN. 
On XX/XX/XXXX, after sitting inactive for several months, the court on its own petition filed for a Trial Rule XXXX XXXX hearing for failure to prosecute. 
On XX/XX/XXXXXXXX XXXX XXXX  by way of Attorney XXXX XXXX, refiled the case. 
On XX/XX/XXXX, XXXX XXXX, by way of Attorney XXXX XXXX, filed to a Motion to Vacate the Trial Rule XXXX XXXX hearing stating the had located a new address as just cause for not prosecuting the case. 
The refile on XX/XX/XXXX and the Motion to Vacate the hearing had the exact same address as the original filing on XX/XX/XXXX. There was never a new address by their own admission on their filings. The Attorney perjured herself on the court affidavits saying that there was. This is not a victimless crime. I am the victim here of an Attorney that has alright lied. 
After this letter to you, I will be filing complaints with the Indiana XXXX XXXX, the Indiana XXXX   XXXX XXXX, and the Consumer Credit Bureau for perjury and violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a check from business and deposited it into my Wells Fargo account on Monday. I was told by a manager at the branch that there would be a hold placed on the check ( normally 7 days ) but  that she would fully release the check on Wednesday, in only two days. 

At first, everything happened as promised and the check was released. Later on, after I had made a significant withdrawal, I was alarmed to find that my account was XXXX overdrawn with 15 pending withdrawals plus possible fees. I was told that this is because the check was had not cleared. I was warned if I didnt settle the balance, that my account would be closed as well. With this information, I proceeded to contact the mediator residing over the settlement and the business who issued the check. This resulted in the company offering to ach funds into my bank account, after they figure out why the payment didnt post. The issue was that the payment DID post to their account and the check cleared the same day that I deposited it. They even sent me an emailed copy of the check with my signature and a bank record. 

So I immediately contacted Wells Fargo who told me a number of things. 1. Business must not have had funds when they tried to collect but that they must have called other bank and resubmitted the check. 2. Business bank states that the check looked suspect and that they were concerned about fraud. 3. That because I have had overdrafts in my account, they had to put an additional 7 day hold on my account, or until the funds are deposited in my account. 4. They couldnt accept an online bank record showing the xxxx debited/check image so I should contact business bank for a copy of endorsed check on bank letterhead? 
None of this made any sense, especially because everyone has proof that they check cleared. 
Later, I was told by the manager at the local branch that she would call xxxx bank tomorrow to try and verbally verify that the check cleared and then she would release the funds ... .after she saw the copy of the cleared check with my signature. 
So I contacted customers service and spent 4 hours in total being put on hold, sometime spoken to condescendingly, lied to and patronized by various telephone bankers. 

The end result-Ultimately the money is still in limbo and I will continue to be overdrawn, until they fix this. I have a dd coming in a day or two that will be completely eaten up due to this.. if it is not immediately fixed. I have been humiliated due to their misinformation, and in addition to an immediate release of the check funds, I have asked for an apology letter/bank error letter that I can send to both the EEOC and the settlement company.

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