vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have been looking for a mortgage and have multiple inquiries, many within the 45 day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for 2 years until they are charged off. Please make them clean up my hard inquiries.

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 2017-11-09 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: NC

Complaint narrative:
I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.

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 2017-11-09 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: Westlake Services, LLC
State: CA

Complaint narrative:
XXXX reports incorrect information. I had an auto loan with Westlake Finance as of XXXX, XXXX and which was paid off in total as of XXXX, XXXX. Upon my complaint through CFPB, all the three credit reporting institutionsXXXX XXXX XXXX and XXXX did remove the incorrect information and showed that the loan was settled by pay off and account closed in XXXX, XXXX. However, on XXXX XXXX, XXXX, XXXX reports a late payment as on XXXX, XXXX yet that account was long closed in XXXX, XXXX moreso, that I had no finance and/or contractual obligation with Westlake Finance by that time having closed the account in XXXX, XXXX when Westlake accepted settlement in full from my insurers, warranty and gap which was duly paid as requested and agreed. Todate Westlake has never issued me a certificate of satisfaction even when requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: NC

Complaint narrative:
I have disputed this account with Experian again and again and their response is always the same Verified. I have disputed the accuracy in the reporting, I am not sure how you can say this this account was verified of being accurate just from a click of a button. I have asked in which ways did they verify this account and I am still waiting on a response from them. I understand now that verifying an account is a simple process of pressing a button and the company responding back with another click of the button through automation as verifying the account. Well that 's not verifying the accuracy of an account and by law the account must be reporting accurately and verified by law. I have n't received an accurate dispute on this account by law. I want this account removed from my credit report as a result of not fully investigating the accuracy of reporting.

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 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I applied for 3 credit cards from Barclay Bank after receiving many solicitation pieces from them. I was approved for 2 and the 3rd required me to call in for verify some information. I called in and based on their criteria they were unable to verify my information and they then placed a restriction on all of the accounts. They requested I send a copy of my social security card front/back, drivers license front/back and utility bill front/back. I told them I would not send my personal information by mail especially not a copy of my social security card and I requested to get it resolved in a different way. Representative told me at this time they could only verify by mail. I 've called at least 3 times to get this resolved and I get the same answers from them. Since I 've opened these accounts which I have not been able to use I received my first bill which I quickly paid online in full for the annual fee charge. I continue to receive their solicitation to my home address and letters requesting I call and verify my information before they will take the restrictions off all of my cards. I need your help to resolve this. 

Thank you.

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 2017-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I opened a " Premier Checking " account with Webster bank in XX/XX/XXXX with promo code " XX/XX/XXXXPremier {$350.00} '' for {$350.00} sign up bonus. 
Upon inquiring about the bonus status I was told on Date XX/XX/XXXX via Secure message " Thank you for your recent email to Webster Online Services regarding a promotional credit.We have reviewed your account and show that it was opened under our XX/XX/XXXX-XX/XX/XXXXPremier {$350.00}  promotion. We have confirmed that you have qualified for the promotional credit by maintaining an average balance of {$10000.00} or more during the month ending XX/XX/XXXX.Your account will be credited the {$350.00} promotional credit on XX/XX/XXXX, as long as the account is still a Premier Checking account at that time, and is in good standing on that date. This means that the account must have a positive balance and not in the process of being closed.If you have any additional questions or comments please contact us through www.websteronline.com or call us directly at XXXX, 24 hours a day, 7 days a week.Thanks again for your email and for allowing Webster to serve your banking needs.Sincerely, XXXX XXXX.Customer Service '' HOWEVER THE ACCOUNT WAS N'T CREDITED AS PROMISED. 

Upon second inquiry via secure message now I am being told that there is no estimated date for crediting the account. 

This is clearly in contrast with the first information via secure message. 

I would like to file a complaint for this misleading information and would like to request that my account is credited {$350.00} at the earliest as promised. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: FL

Complaint narrative:
Since, I believe, XXXX 2015, XXXX XXXX has been reporting a collection account on behalf of XXXX for {$1000.00}. When I switched carriers I was careful to make sure no balance was due. I never received a bill from XXXX, nor any collection notices from XXXX XXXX prior to seeing it on my credit reports, I am unaware of what this debt is for. I have attempted to dispute the collection as inaccurate through both the various bureaus AND E.R.C. directly. Each time they have verified the account as accurate. As of yet, I have not received any documents to validate or explain the debt, despite asking for them repeatedly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 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: DISCOVER BANK
State: NC

Complaint narrative:
I had noticed 2 hard inquires from XXXX XXXX on my credit reports and that a Discover credit card had been opened in my name with Discover during XXXX 2016, the exact time frame that the 2 hard  inquiries were put on my account. 

I have written to discover numerous times explaining that I did not apply for any credit with them ever and I did not authorize that card. I immediately closed it out and disputed the inquiries and the credit card on my report but the bureaus nor discover care to resolve this with me. 

I have reached a point of where I wanted to bring this to your attention before I proceed with legal action to have it removed from my report. 

I do n't want a discover card, never have, never will, and never applied for one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: OK

Complaint narrative:
I was not aware and do not know why I owe Midwest Recovery Systems money. I have not received any notice of debt and was not given any opportunity to dispute it. I just found out about it because I have a credit notification service that provides me with information that helps me monitor my credit report and score. And I do believe that XXXX XXXX XXXX has already been notified by the consumer financial protection bureau once on my behalf and they corrected this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have been looking for a mortgage and have multiple inquiries, many within the XXXX day time frame, but they are from different sources. Now I have a poor rating in hard inquiries. No one will correct this issue and I will have to put up with this lower score for XXXX years until they are charged off. Please make them clean up my hard inquiries.

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 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The address on my credit report for capital XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information 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 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC
State: TX

Complaint narrative:
I have made serval attempts to dispute a debt with XXXX XXXX through all XXXX credit agencies. I have advised them XXXX times in the past XXXX days that this debt was made by illegally due to identity theft. The collection company has yet to remove this debt from 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 2017-11-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was an XXXX card holder who paid for the debt protection service and credit monitoring service for ( 15 ) years or more ( gold card ). I loss my job and contacted XXXX to use the service until got a job. My request for was denied. During this time, I learned XXXX was being sued ( American express enforcement act ). The terms of the suit stated XXXX would credit accounts the monies. American express was to credit monies to the account of card holders or issue checks to individuals without accounts. I never received any monies from the settlement. Now XXXX is suing me for the outstanding balance on my account along interest, lawyers fees, and etc. I want like XXXX to to have deducts the monies owed me settlements. I need to know the amounts that should have been credited my account ; so I can have leverage when dealing with lawyers Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CO

Complaint narrative:
XXXX XXXX received phone call from XXXX, XXXX, XXXX, what ever from Portfolio Recovery XXXX opened XXXX to collect debt not owed through XXXX Bank for XXXX. 

We asked if they had a validation number and she did n't and we told them to stop calling and that we would report them to FTC, US Government and other XXXX agencies. 

This is an additional note to all the other complaints filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TX

Complaint narrative:
XXXX XXXX is trying to dispurya debt for XXXX XXXX and XXXX a hospital I have never visited. I have tried to dispute this error with all XXXX credit reporting agencies and they have yet to remove this account from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have attempted to contact this company and dispute this debt with the credit bureaus. This company will not provide me with a letter of validation that this debt belongs to me. I have asked for signed documents or the original documents for the debt. The credit bureaus XXXX XXXX, and XXXX continue to say that the debt is verified but they will not send me the validation method being used. This company also does not list an account number on the credit report. By law I am authorized to request a letter of validation with my signature or the debt has to be removed from my credit. I have not received anything from the company or the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I inherited a small Bank of America IRA from my mother ( {$730.00} ) when she XXXX XXXX earlier this year. I called Bank of America on XXXX/XXXX/XXXX at XXXX a.m. to inform the bank that due to extremely poor customer service in helping me settle my mother 's XXXX, that I had no intention of maintaining the inherited IRA with Bank of America. I was told by the bank of America representative that I had no choice, but to complete the bank 's paperwork before I transferred the IRA to another institution. I followed their instructions and completed a " Distribution Election '' form and mailed the form to the bank. I received a confirmation from Bank of America that the inherited IRA was set-up on XXXX/XXXX/XXXX. At that time I completed transfer paperwork to have the IRA transferred to another institution. When I received the confirmation from the new institution, I noticed that the value of my account was {$50.00} less than the {$730.00} from my XXXX/XXXX/XXXX Bank of America statement. I was told by the new institution that Bank of America charged a {$50.00} fee. I called bank of America and was told that the {$50.00} fee was an account closure fee. I explained to the representative that when I spoke with Bank of America on XXXX, that this fee was not disclosed. I checked the only paperwork I signed and there was no disclosure for an account closing fee. I asked the representative to refund my {$50.00}. He said he did not have the authority to do so. I asked to speak with his supervisor and was on hold for over 15 minutes. The supervisor never got on the phone line. Since the bank never disclosed the {$50.00} fee ( 7 % of the account value ), I feel they should refund the {$50.00}. Thank you.

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 monetary relief
Consumer complaint received 2017-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: World Acceptance Corporation
State: TX

Complaint narrative:
XXXX XXXX is stating that I was given a Loan of some sort. I have advised them on multiple disputes that this loan was a result of identity theft. They have refused to remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was notified of a return payment from my bank and resubmitted the payment to the card issuer. Then subsequently was notified by the bank that they did not submit the payment. After which a payment was made and satisfied the balance on the card. Shortly thereafter the card company closes the account without notice. When I contacted them they said it 's because there were two return payments. I let them know it was a bank error. The most disgusting thing is that they closed the account after it was paid in full thereby damaging my credit score and saying that it ca n't be reopened. All with no written notification.

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 2017-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address on my credit report for XXXX XXXX is incorrect. I disputed the inquiry and they said they verified it and for me to contact the company. When I sent the letter to the company it came back. This is n't the first time I had a letter to return because of the wrong address. I have attach another letter that was returned to show that they are reporting incorrect information 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 2017-11-09 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: Ocwen Financial Corporation
State: IA

Complaint narrative:
In XXXX XXXX we established a repayment plan with Ocwen, which included adding an additional $ XXXX/mo to our regular monthly mortgage. We paid the repayment plan ON TIMXXXX each month and they are still showing us as being delinquent since XXXX XXXX. We paid the past due amount and our regular monthly pay of {$3100.00} on XXXX XXXX, XXXX to end the repayment plan and we were told that they would report to the credit bureau on XXXX XXXX, XXXX and still as of XXXX/XXXX/XXXX there has not been any credit reporting. We have called in twice and filed a complaint on their website and they keep telling us it will be the first week of XXXX and then the 2nd week of XXXX We just got another notice saying it will be an additional 7-10 business days again before they will report our mortgage in good standing. Since we paid on time since XXXX it should reflect on our credit report. The very least they need to report our most recent payment correctly as it is really hurting our credit score.

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