vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have been targeted by SunTrust and have been put through extraneous procedures when trying to open basic checking accounts. I have been a customer since 2012 and have had a credit card in good status since 2012. I just requested a replacement card and have been using it when they sent a notice that they were closing the account for inactive use. This is not true as I had recent activity on the account. SunTrust also froze a checking account of mine for no apparent reason when in fact I had a previous account with them for several years and they have all my identifying information on file. I believe Suntrust has flagged my information within their system and are systematically denying me access to their products. Also I have suspicions on where the bias is coming from ( based on the person whom viewed my XXXX profile a few years back when I opened a vehicle loan being acquaintances of an ex-friend ). It is unfortunate that SunTrust would allow these type of practices to be practiced within their organization but am surprised they would fabricate that the account is inactive when in fact I was using it to close my account.

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 2019-12-08 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: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/XXXX i filed for chapter XXXX bankruptcy and have included my Macy 's account that was originally opened in XX/XX/XXXX. In XXXX of XXXX, i had sent all 3 credit reports a dispute regarding this account, due to the original delinquency date being incorrect. The original delinquency date was in late XXXX, not XXXX. I filed for bankruptcy in XX/XX/XXXX. This account is due to fall off of my report.Anyways, after the dispute was complete, i noticed that the original delinquency date was changed to XX/XX/XXXX which was the date of my last dispute! They deleted all the previous dates of all payments made in XXXX, and XXXX, and put a new date of XX/XX/XXXX as the new date of delinquency which is totally illegal! They are trying to re-age this debt for another 7 years when this account is due to fall off this year! They can not due this!!! According to the law, they can not change the date of first delinquency, this account was discharged through a chapter XXXX bankruptcy in XXXX which makes what they did a crime! I am enclosing the discharge papers for the bankruptcy in XXXX, and a copy of my account on my credit report.According to FTC, if there are any inaccuracies that can not be verified, it must be deleted from my credit report! This is a copy from my XXXX  credit report which shows the error.

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 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: NJ

Complaint narrative:
RADIUSGLOBAL XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( XXXX ) XXXX, Date Opened : XX/XX/2019 Rate/Status : Collection High Credit : {$680.00} Comments on Account : COLLECTION ACCOUNT ORIGINAL CREDITOR : XXXX XXXX XXXX AS COLLECTION ACCOUNT i subscribe to XXXX  to monitor my credit report. That appeared on my report above. 
They called me and offered a settlement amount of XXXX to pay off the XXXX, i paid the XXXX and when given a confirmation number to verify it was paid was asked for social security number. upon giving the number they all of sudden stated there is other debts that they have in their agency that were not being reported on the credit report. I was not told any other debts existed till i paid the XXXX, i feel fraud as i was under impression debt from company completely paid off with XXXX only to be told other debts might now appear on my report that i did not know existed. is that lawful?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revenue Assistance Corporation dba Revenue Group
State: FL

Complaint narrative:
I underwent a medical procedure and was told my responsibility was {$1800.00} unless there were complications. I paid {$1800.00} the morning of the procedure and there were no complications. Several weeks later I received an exorbitant bill for additional fees and I immediately sent an email disputing the bill. I never heard back from them via email. I also called and recorded the call, where someone assured me they would investigate and get back to me. They never did. Instead, I received a notice from this collection agency. This hospital is predatory in its pricing and collection practices and I do not owe them another penny.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
I was never mailed anything that stated I could dispute my credit. The company only sent me letters that stated what I owed them without showing proof that I owed the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

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 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
i monitor my credit with XXXX and the following appears on my credit report.CREDIT ACCEPTANCE XXXX XXXX XXXX XXXX, MI XXXX as an open account. I called them up on phone asking who and what they are and what owed if anything. They asked social security number and then stated they do not have anything with me on their files. who? what? why are they appearing as open account if not knowing who i am? i told them remove your name from my report and was told they do not have to, for me to call reporting agency and do it. 
is that lawful?

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 2019-12-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Counsel, Inc.
State: FL

Complaint narrative:
I underwent XXXX and paid out of pocket. Before the procedure I inquired about the price and was given a price ( in writing ). The morning of the procedure I was asked to pay {$420.00} more than I was told. Under duress, I paid, but told them I disputed the difference and they told me to contact my doctor 's office, who had given me the pricing. I contacted them after the XXXX and they said I needed to speak with the XXXX  center, who sent me back to my doctor. I disputed the amount of {$420.00} with my credit card company because I was told the procedure pricing well in advance and it's not my fault they were wrong. I've spoken with the person who gave me the original quote in writing and they said they've contacted the XXXX  center to remove this debt but that was months ago, and the debt is now on my credit report.

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 2019-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I have purchase my vehicle back in XX/XX/XXXX. End of XX/XX/XXXX I tried to get a refinance with my vehicle an I have been denied due to capital one not reporting my payment history from XX/XX/XXXX to XX/XX/XXXX. This has affected me from getting my refinance. Filed a Dispute with them once got a completion an no fix. Tried another Dispute was put down for completion again with no fix. Im sick an tired of getting pulled around with a issue that has nothing to do with me. Its affecting my life because of them. What can I do to fix that ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAC Financial Corp
State: NJ

Complaint narrative:
CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Integrated Asset Recovery LLC
State: FL

Complaint narrative:
I have been sending letters to XXXX XXXX since I found out about the opened credit line with them. I did NOT authorize this credit line to be opened. My identification was stolen along with my social security card. I dont live on the address from those statements. Additionally, my name is XXXX XXXX XXXX NOT XXXX XXXX. Nevertheless, I recommend that you remove the fraudulent account from my credit report!!!! If I dont get the account removed ... .Im gon na take legal actions against Portfolio Recovery for harrasing me and attempting to collect a debt that DOES NOT BELONGS TO ME. Lastly, XXXX XXXX broke the contract by selling the debt to a third party ; therefore account is not valid and not contract was made with Portfolio Recovery.

Company response to consumer: Untimely response
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX   or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: CA

Complaint narrative:
I have tried several times today to find out what the status of my credit freeze is on Experian 's website but am unable to go anywhere. 

It points me to this page to call Experian but there is no way to get to a human to resolve my issue. 

And I feel they are making getting a freeze / unfreeze process in place intentionally hard and pointing me to their paid service. I have no interest in that. 

I need to unfreeze and check my report as well as potentially apply for new credit TODAY. 

How can I get help since Experian is not able to help?

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 2019-12-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Arete Financial Group
State: AZ

Complaint narrative:
XX/XX/XXXX I received an email from Arete financial stating my student loan consolidation was declined. I called the XXXX  billing number to update my information and made six additional calls leaving voicemails and sending emails during this time frame with no response back. I received a message not delivered email from both email addresses I tried

Company response to consumer: Untimely response
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
THE MORTGAGE WAS WITH XXXX XXXX XXXX, THE XXXX, THEN GREEN TREE, THEN DITECH FINANCIAL ( DITECH IS NOT RESPONDING ). 
DITECH IS THE LAST LENDER WE HAVE HERD FROM AND THAT HAS BEEN. 

THEIR WEBSITE DON'T WORK, THEY DON'T ANSWER THE PHONE. 
WE HAVE TRIED TO REACH OUT THE FC ATTORNEY WITH NO RESPONSE YET. 
COMMUNICATION HAS BEEN LACKING, AND WE HAVE FUNDS TO MAKE OUR MTG CURRENT. I WANT TO MAKE MY MTG CURRENT, BUT HOME NO ONE TO TALK TO. 

IT HAS BEEN 3+ MONTHS SINCE WE HAVE HERD FROM ANY ONE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rock Holdings Inc.
State: VA

Complaint narrative:
I did a cash out refinance with XXXX XXXX in XXXX. At the time I had a standard loan with XXXX XXXX and an equity line of credit with XXXX XXXX. Both were contracted and required to be paid off to allow XXXX XXXX to be in the first position. XXXX XXXX only paid the XXXX XXXX. After three months of not paying XXXX XXXX, I was receiving some very bad letters. I paid late fees and setup automatic payments to XXXX XXXX. I found that XXXX XXXX had used the wrong contract to issue payments. I also found that Title Source knew of the leans and changed it to only the XXXX XXXX had a lean. As I found on their own paper work. 
I have spoken to a professional title insurance representative about the problem. He stated the title insurance should cover it. 
I contacted Title Source via phone and they side that they would pay it but I would need to also pay. I agreed and said it would take time, as my cash payout was used to purchase a business and did not know they did not pay off XXXX XXXX. Some time later I contacted them again trying to get it paid and was told it was my problem now and they were not going to do anything. Found out they were able to sell my loan to XXXX XXXX  and were no longer worried because they got their money from XXXX XXXX. 
XXXX -Now with a moment to do more learning, I have found that XXXX XXXX is invested in my loan and one of the requirements for them to be invested is to have the first position on the home. After speaking to an agent at XXXX XXXX, they advised to hold Title Source accountable. As you may know, Title Source and XXXX XXXX XXXX  are sister companies. They are not going to take me seriously. I found this web site today and hopefully a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AK

Complaint narrative:
American Express is incorrectly categorizing spend at a grocery store ( XXXX ) to fuel. Before XX/XX/2019, XXXX purchases coded correctly and earned 6 % cash back when reported as XXXX XXXX. Since XX/XX/2019, purchases have coded as XXXX XXXX which earns less. XXXX XXXX is primarily a supermarket and as such should be coding and earning as such. While some locations feature an external gas station, Amex should be able to recognize this and differentiate between purchases. Neither Visa, MC, or XXXX XXXX have changed their categorization or coding of XXXX XXXX. This is an Amex issue and they should rectify it. Amex states the business selects its primary merchant code and claims it has no power to adjust purchases on an individual basis or permanently. In contrast, I have had other purchases code incorrectly in the past on a Visa where the card issuer immediately issued the correct point earning upon my request. I see this as an Amex issue, not a XXXX XXXX issue and as such they should rectify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX  or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: CommonBond, Inc.
State: CO

Complaint narrative:
I have been shopping around to refinance my Student Loans. I found an advertised rate for the company " Common Bond '' of 1.85 % on a variable rate 5 year loan. You can see this same rate if you navigate to their main company page now. I applied for this loan, but was only approved for their fixed 5 year loan at their lowest offered rate of 3.21 %. I have absolutely perfect financials, XXXX credit score and superb debt/income ratio. When I asked them what they would offer for a variable rate loan, they only replied they would do a variable rate at 3.21 %. I thought that was odd, since most variable rate loans are lower than their fixed rate counterparts. I asked them to look again, and they said, yes this is the best rate they could offer me.

It seems to me that the advertising on the offered rates is very misleading by this company. Every other company I have applied to refinance through has offered me their lowest rate for either fixed of variable rate loans. Now this company has a great deal of my personal financial information as a result of my application, plus made a hard pull on my credit, so the result of their false advertising I do not feel is harmless.

Thank you for your time in considering this harmful practice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is with respect to Equifax. I have a security freeze on my file and wanted to lift it temporarily to access my file. 

These credit bureaus are making it extremely difficult to work with their websites. Equifax for example keeps locking my account out. I have spent 2 hours today trying to get hold of someone to unlock my login credentials and the person on the other end claims he did it.

I tried to log in again and it is still locked. I am not going to waste another 2 hours trying to get this fixed.

How can I get this resolved?

Company response to consumer: Closed with explanation