vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX   that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money 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 2019-02-13 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 — Problem with personal statement of dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
During the XXXX XXXX XXXX, I called the 53 bank ( www.53.com ) about my loan and said I will be unable to make payment. They agreed that it will be taking care of. But the second month into the XXXX XXXX, I got an alert from all major credit report bureaus about a 30 delinquency. 
I call 53 bank and they told me that they can't do anything about it and I should file a complaint to FTC ( www.ftc.gov ). As I tried to make my complaint to FTC, I was directed to CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
I have been writing to Discover about their fraudulent credit reporting on my for more than a year, and have gotten nothing but Fair Debt Collection Practices Act and Fair Credit Reporting Act violations from them in return. First, Discover continues to report fraudulent charges on my credit report. Second, at the same time as this fraudulent reporting on my credit, Discover sent the IRS a notice of " debt forgiveness '' and a 1099, both of which are clearly sanctionable FDCPA violations. A debt can not be " forgiven '' and simultaneously contrarily reported on credit ; and this debt was not forgiven, it was proven not to belong to me in any way and barred by limitations.

Third, as the attachments will show the vast majority of the allegedly owed {$15000.00} was accrued more than 7 years ago, and thus must come off of my credit entirely regardless of any dispute. Fourth, as the attachments show, the last usage of the card in question was XXXX, yet Discover Card is pretending that the last usage of this fraudulent card was XXXX or some later date when they finally got around to cancelling the fraudulent card. Discover must legally reveal the proper date of removal of all references to this card on my credit ... and that date must as a matter of be in XXXX. Discover refused to reveal this date in writing. And, fifth and finally, the charges from XXXX are revealing in that they are all from states all over America, where I've never lived nor in some cases ever even been ( please see attachments ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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 — Problem with personal statement of dispute
Company: RFNA, LP
State: SC

Complaint narrative:
My wife and I separated in XXXX of 2018. I found out in the following months after that she had set up an account with XXXX XXXX which I had no knowledge of and didn't give any permission. I contacted XXXX XXXX about this and the only information I was given is that a " live check '' was sent to the address and was deposited into a joint account which was was closed the day or so afterwards. I asked them how an account with my information was opened without my consent or any signature, and the only comment I received was that they didn't have to have one.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-13 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello! 

5 years ago I asked for a {$3000.00} credit limit increase to my personal credit card ( which had I believe, a {$500.00} or perhaps {$1000.00} limit at the time. ) I received a new ( separate ) credit card with a limit of {$3000.00} shortly thereafter. 
( Note : This was in the era of duplicate account creation which XXXX XXXX was ultimately held to account for - still, I didn't think much of it at the time. ) Since then, despite a near-XXXX balance on the card, I've received two credit facility reductions without notice or consent ... the first being over two years ago ( From {$3000.00} to {$2200.00} ) and another today, with a reduction from {$2200.00} down to {$500.00}. 

There was no consent sought, nor notice delivered, nor reason to reduce this credit facility by TWO THIRDS overnight. ( my credit score has steadily improved over the last two years - though I've barely touched this card. ) ... All of this for an account that should never have been opened in the first place. 

I believe this falls in violation of a number of regulatory statues. ( Please correct me if I am mistaken. ) ... Either way - myself and my family are negatively affected in the extreme, and US Bank 's lack of notice has resulted in a scenario where if we had an emergency - we'd be unable to manage the situation. 

I have multiple accounts with them ... where was the letter? Where was the push notification? Where was the phone call? This bank has more contact information ( and other PII ) about me than my own mother ... How are they incapable of providing sufficient notice to their clients about actions that have major impacts? 

What check and or balance is in place to ensure a degree of accountability?

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 2019-02-13 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: CA

Complaint narrative:
I am very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXXXXXX XXXX XXXX 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 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Since XX/XX/XXXX I have diligently remain consistent disputing a medical collection agency by the name of : XXXX XXXX XXXX that have made every attempt to attach me to a unverifiable account. On XX/XX/XXXX I filed my first CFPB complaint on this company for the refusal to answer a certified mail letter within 30 days to my request for validation that was very specific in detail to show proof that I am the person this debt belong to. 
complaint # XXXX On XX/XX/XXXX XXXX XXXX XXXX Replied with an Erroneous acquisition about a phone call with attempts to resolve the debt with statements that I admitted to the debt, when the only purpose that call was initiated was to simple request validation after over a year of disputes being advised by the responses from each credit bureau to contact the funisher of this negative reporting which is what I did. 

I also contacted the original creditor for the same reason in XX/XX/XXXX and was told to contact the owner of the debt XXXX XXXX XXXX ... .so on XX/XX/XXXX I filed a second CFPB complaint on XXXX XXXX XXXX # XXXX CFPB replies XX/XX/XXXX that the complaint was sent to the FTC ... .Ive never heard from the complaint since that reply. 

On XX/XX/XXXX I filed a CFPB complaint # XXXX for XXXX   verifying this account that was never verified with me through the collection Agency as required by Law. 

XXXX v. XXXX  XXXX XXXX , XXXX, XXXX XXXX XXXX ( S.O.N.Y. XXXX ) ( citing XXXX XXXX. XXXX ). This includes informing the debtor of his or her right to ask the collection agency to 'Validate ' the debt. 

I repeated disputed with Transunion to re-investigate the collection account only to receive that they verified the debt accurately reporting without revealing method of verification as requested. So on XX/XX/XXXX I filed a CFPB complaint # XXXX. 

All correspondents are within these complaints numbers above to show that I have done what is required from a consumer to resolve a unverified collection on my credit report. 

XXXX then deleted the collection account from my credit file.

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 2019-02-13 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: LEXISNEXIS
State: LA

Complaint narrative:
On or about the XX/XX/XXXX 2019 I sent in a letter asking XXXX for validation of a few inquiries on my report. I received an email on XXXX XXXX 2019 I received an email from XXXX stating they received my letter and issued me a dispute # of XXXX. On XX/XX/ 2019 I received a email stating my dispute was complete. Upon review of my credit report I found the results of their investigation had nothing to do with the inquiries in the letter they received on the XX/XX/XXXX 2019. I called to explain this to them but was given several vague security question. Unfortunately i was unable to get help from the representative. 

I also noticed that the investigation they conducted was a bankruptcy in which they obtained according to them validated information threw a third party. The third party in which they validated the information with has an active suppression on my file dated XX/XX/XXXX 2019. this means that they were able to obtain information without my consent in writing and while my file was suppressed with the company verifying it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Transunion but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX/XXXX 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 2019-02-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MT

Complaint narrative:
No reason any Collection Agency should contact me. THis seems to be a scam. Company calls me everyday. They use different numbers. Want me to call another number. Claim they are ERC. want info to collect a debt. I can not help them, see my reasons below. They give a Ref number XXXX. I have a credit rating of 834 + with 2 of the credit Bureaus. I have Zero late payments on my credit record with any of the 3 Credit Bureaus in over 30 years and more. Phone numbers they use to call me on are ( XXXX, XX/XX/2019 XXXX ; XX/XX/2019, and XX/XX/XXXX, XXXX, at XXXX. I have never received any debt letters from anyone. I blocked these calls but they show up in my voice mail. This is my 2nd complaint with you to no avail. 

I have no documents as I am paid up on any credit cards. My Identity was stolen by the XXXX years ago via Federal Govt. I now have ID protection given to me free from the Federal Govt. I can provide a copy of their investagation report on my good credit with ZERO late payments, ZERO collections, ZERO bankruptcys. 

I have NEVER received a statement from this company. I do not have an account with this company. Thus provided their Ref number in the account box. 2nd Complaint and they never contacted me via email on prior complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I have submitted a previous complaint about this company, XXXX XXXX XXXX, and never heard back. During that time, my husband suffered a XXXX XXXX and I was focused on other things, so when I finally checked on the status of the complaint, they had closed it. Their response stated that my name was not on the loan and so they couldnt talk to me, even though I had submitted a P.O.A. previously. 

I had called them dozens of times trying to resolve this matter to no avail. We had MORE THAN repaid the loan, but with interest being raised to 90 %, I could never catch up. I ended up giving them back our car rather than have to deal with these people. 
I basically let it drop, but decided to contact them again about 4 weeks ago. I got an email response again saying they couldnt talk to me. I immediately emailed them a copy of my P.O.A. for my husband and have not heard back from them. I have emailed them about 4 times, never hearing back. 

What they did was unconscionable at a time when all I wanted to do was resolve the situation and my husband could not talk due to his XXXX. The details were in my original complaint that I have attached. 

I really hope you can help, not just for us, but for others in the same situation. Very sad to be so taken but what seemed like a reputable company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I XXXX XXXX purchased a XXXX XXXX XXXX. On XX/XX/XXXX I financed it through XXXX XXXX I made all payments on time. On XX/XX/XXXX I refinanced this loan with Bank of America. Made all Payments on time.In early XX/XX/XXXX, My car was stolen and then recovered. It was a total loss, I continued making payments though out this process. The payoff check from the insurance was processed XXXX XXXX. Which left a balance of XXXX on the acc. 
After this I heard nothing from BOA and could access the current Balance on my Online mobile banking. So XXXX 's Payment went though, XXXX 's payment went though, and XXXX 's payment went through. My Payment Date for this loan is XXXX of each month. So then on XXXX XXXX I get a notification that a Charge off was placed on my Credit files with all Three Bureaus from BOA. Stating that {$210.00} was charged off??? and isn't due till XXXX XXXX which would be my last payment. This is crazy I Made all Payments. 
I Spoke with XXXX XXXX and she was not helpful, and for a week I got no repose. Then they fabricated a whole Story about how i was suppose to Pay off that Balance of {$850.00} with in 60days, then they said i had no GAP which I do.. when I said had " no notice '' of this arbitrary 60 policy, she stated they wouldn't remove it. Even though they were auto-debting the acc every month. Bank Of america is blatantly trying to save face and not fixing this false Charge off. I am inclosing a full payment history which shows on time payments. I had to get a print out from the a bank Employee because they where told not to give to it to me, But Lucky there own employee saw how wrong they where treating me and printed it off for me anyway.The cover up of this false Charge OFF is sicking!! ACC of this loan as it was deleted off my online Banking for this reason. But i have the evidence. My Previous Credit Score Was XXXX This Damaged my Score over 75 points. All of this for no reason!! And they refuse to fix it. 
And also the XXXX XXXX Lady had the audacity to try and collect the {$210.00} that never should of been charged off in the first and still not fix the charge off on my credit!!!! I will Pursue legal Action If this isn't fixed. And to think all these idiots had to do was wait till the auto-debt on the XXXX of XXXX the payment would be done!!! even on the credit report the BOA states Charge Off Never Late How smart is that? Again This XXXX lady couldn't answer why the charge off was placed on my acc even though they still where getting payment.

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 2019-02-13 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: CA

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX  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 2019-02-13 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: SC

Complaint narrative:
Called and submitted documents via fax and certified mail. I've asked how were these documents verified to be mine and reported correctly. The rep said it wad done electronically with short codes, and there is no such thing as a manually investigation, on top of that the representative wasn't even located in the USA. I'm not understanding how this could be, for one there  are so many breaches and hack on the regular, and come to find out, someone outside the country whose not even a citizen has all of my personal information. I received a notice in XX/XX/2017 from one the credit reporting agencies that all of my personal information that they had on me was exposed to XXXX knows how. I am not at the point of trying to seek legal assistance, I am a check to check employee, working for a XXXX, i take my finances serious and can't afford to have my credit scores drop along with a lower income. I'd like for this information to be removed from my profile.

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 2019-02-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio recovery you keep sending letters stating no response you can not finish investigation But you state to the CRA 's that you validated the alleged account strange omission to guilt right. making false statements on credit reports, { fraud } in fact it's stated on your letter head. you also refuse any legal documents to come forward to support your claim the reason this is being report to the CFPB is for evidence that there has been response to you every time by return fax .there 's nothing for you but dispute

Company response to consumer: Closed with explanation