vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Mortgage currently services my home loan, which includes the escrow of taxes and homeowner 's insurance. This is the second year in a row that Suntrust has not issued payment to renew my insurance policy in a timely fashion. As a result, I have had to come out of pocket, in addition to my escrow funds paid throughout the year to pay for the policy ( since Suntrust failed to issue payment ontime ) and am now seeking reimbursement from the servicer. 

More specifically, my insurance policy renewed XX/XX/XXXX. Prior to the renewal, we changed the agent of record to a local office, XXXX XXXX XXXX, to avoid issues that we had the prior year with Suntrust and the previous agent on record, XXXX. The Agent of Record change took place on XX/XX/XXXX with a copy being sent directly to Suntrust from XXXX XXXX XXXX. Once it was time to renew, I received a copy of the renewal bill and I personally sent a copy via fax to Suntrust on XX/XX/XXXX. 

Note, payment needed to be issued on or before the renewal to avoid possible cancellation. I also asked XXXX XXXX to fax a copy of the bill the same day. I received confirmation the following day, XX/XX/XXXX that the information had been sent to Suntrust by the agency. Then, my insurance agent suggested I call Suntrust just to verify they received the bill and the balance was being processed. I called Suntrust on XX/XX/XXXX at XXXX. I connected with an agent who confirmed that they received the bill and payment was scheduled to be released XX/XX/XXXX, the date of the renewal. I updated my insurance office with this information the same day and have record of that correspondence. 

XX/XX/XXXX. I received a call from my insurance agency 's office. The payment still hadn't been processed/received by Suntrust. I placed another phone call to Suntrust at XXXX, XX/XX/XXXX. I connected with a representative who advised they never received any copies of my bill, agent of record change and they had no records of my previous calls. Therefore no payment was made and that if they did not receive proof of payment they would place forced-placed insurance. 

Maybe there would have been some confusion - however, given I had been through this exact same fiasco in XXXX with Suntrust, I was adamant it wouldn't happen again and made multiple efforts to deliver this information to Suntrust. Now, I have had to come out of pocket AGAIN to fund the policy and am going to seek reimbursement from Suntrust. 

Disappointing is an understatement. I understand how frustrating CFPB complaints must be for Suntrust to have to respond to, but the lack of diligence from the escrow department is challenging to understand. Had I not had the extra funds to pay the insurance policy this would have been an even worse scenario.

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 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been disputing this account for a while it does not belong to me. It has affected my ability to properly care for myself and my family. Please remove this account. I have attached my identity theft report below.

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 2019-05-30 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: DISCOVER BANK
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX   {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} XXXX XXXX {$2200.00} Discover {$2200.00} XXXX 's {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I paid this account in full. Please remove this account from my credit report as it is no longer a reflection of my creditworthiness. I was young and XXXX and made a mistake. That I will not make again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: COMMERCE BANK
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} XXXX XXXX {$2200.00} Commerce Bank {$2200.00} XXXX   {$2200.00} XXXX XXXX {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: CITIZENS FINANCIAL GROUP, INC.
State: IL

Complaint narrative:
My personal information was stolen on XX/XX/2016. I received reports from the credit reporting agencies that I had several accounts that were late. Upon checking the report I discovered numerous accounts that were never opened by myself or authorized by me. These accounts were opened using my personal information and ss number. I have reached out to these companies on several occasions and they are still contacting me and still showing up on my credit report. These are not my accounts. I have also mailed in or faxed my police report. Below is the information on the companies and amounts XXXX {$400.00} XXXX XXXX XXXX {$9200.00} Citizens Bank {$2200.00} XXXX XXXX  {$2200.00} XXXX  {$2200.00} XXXX XXXX   {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equfax has violated the Fair Credit Reporting Act by keeping a creditor, XXXX XXXX on my credit when I have provided evidence XXXX XXXX has provided inaccurate information on my credit when has been removed three times. 

This account was removed from my credit due to violation of the Fair credit report since XX/XX/XXXX. XXXX XXXX has violated the Fair Credit Reporting Act and the Magnuson-Moss Act and the Truth in Lending Act by the following : under 1692f by acting as a debt collector and and creditor on a warranty attached to a service loan, 1666c prompt and fair credit payments, and 1681c requirement relating to information contained in the credit report. 

XXXX XXXX has presented 2 original loan balances in the amount of XXXX and XXXX and both showing a past due balance. 

In XX/XX/XXXX I contacted Equifax by phone in verifying if XXXX XXXX was on my credit and was told it was removed. I found out by pulling my credit XXXX XXXX is still on my credit. XXXX XXXX balance is inaccurate because the warranty that was attached to the property was non delivered and the dispute is in pending litigation in the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MA

Complaint narrative:
This company claims that I have a balance of {$240.00} with them, I don't know who they are or what it is that this company does. I searched online for some information on them and it says that they collect debts. I sent a letter to the credit bureau ( XXXX  ) asking them to validate this debt because I do not recognize where this debt came from and all that this company sent me is a copy of my credit report saying that the debt was verified as accurate. I asked for documents that would show an original contract with my signature or something that binds me to this debt but up to this day I have not received anything like that from them. This company placed this debt on my credit report as in collections and it is affecting my credit worthiness really bad. I know that by law they have to provide me with a contract that has my signature on it. On my credit report it shows charter communications as the original creditor but I never had an account or a contract with them. I want this debt validated and I also want the original contract with my signature on it sent to me by XXXX mail, if there is an agreement to pay between me and this company I also want to see the original document. This account has also been re aged which is also a violation of the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX   XXXX ; XXXX XXXX XXXX XXXX XXXX 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 2019-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am filing a CFPB Complaint against Santander Bank for {$3600.00} of unauthorized fraudulent transactions from my bank account. My card has been lost and there were 4 transactions of {$680.00}, {$1300.00}, {$1100.00} from XXXX and {$420.00} from XXXX XXXX. I have contacted Santander Bank immediately when noticed of these unauthorized charges and have filed a fraudulent claim. On XX/XX/XXXX, I was informed the claim has been denied and my account has been blocked. I have refiled the claim multiple times and on XX/XX/XXXX, I was told it was denied again. These transactions occurred as I was out of country and were not authorized by me. I was in XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. Santander Bank has sent me a new card around early XXXX but I was not able to access it since I was out of the country. Around late XXXX, there were 4 transactions that went through - Since I was out of the country, there was no way for me to get a hold of my card or access it. Santander Bank has failed to properly investigate and recover my funds. I have reached out to the merchant XXXX and XXXX XXXX  I was informed by both merchants that fraudulent activity occurred so therefore I would need to contact my bank. Due to fraud, I was informed that this must be handled through the bank but Santander Bank has denied my CLAIM ( # XXXX ) again. Santander Bank has not contacted the merchant to resolve this claim and both merchants confirmed they have NOT been contacted to resolve this matter and are still waiting to hear from them. Santander Bank has failed to investigate this serious matter and has closed off my account which I no longer have access to. 

On XX/XX/XXXX, my claim was denied again so I have contacted the merchants to resolve this matter on my own BUT they have noted because Santander Bank has closed down my account, the funds will not go through. They have both stated I must go through the bank for the unauthorized charges but Santander Bank has DENIED my claim and also CLOSED DOWN MY ACCOUNT without my consent or no prior communication. 

Santander Bank has closed down my account, failed to protect and is liable for these charges.

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 2019-05-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I had a modification and I signed in XX/XX/XXXX. I had made a complaint before that they were reporting me late and they had put a note on my mortgage. When I spoke with them on a recorded line, In XX/XX/XXXX, the lady said it would in no way effect my report. I called the mortgage company. Nationstar Mortgage dba Mr. Cooper and they listened to the tapes and confirmed she said this and they would put it in dispute with the credit reporting department and they refused to remove it. I made a complaint to you, CFPB and it was removed finally. 
Now they have put the note back on the credit report and they have not reported my mortgage as paid on time for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I feel like they are doing this to harm my credit. 

When I first started the modification they said I couldn't get it because I wasn't behind on my bills. But they did offer to do a refinance for me. They wouldn't even transfer me to the modification department. I finally got through to them and they said I wasn't a candidate. I had to call Hud department and they helped. Even during this process they kept saying they didn't get my paperwork and would deny me. XXXX from Hud had to send in the paperwork for them to acknowledge it. Finally I got it and I haven't been late. I was never late I was just in " imminent danger '' of going into foreclosure an that is how I got the mortgage. 

I am asking the remove the negative comment and they start reporting all my payments every month in the past and continuing in the future. I know they report but they are doing this as a punishment. It does effect my score because it would help my credit if they reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: AR

Complaint narrative:
I purchased a NetSpend card in 2015 I made a purchase use an online casino games and I also have been trying to use the car to get my government benefits which is social security my social is XXXX several counts has been in my name and I think there are still active and I asked them why I can't activate a card and they do not tell me anything they tell me I just can't open a car anymore I never did nothing to make them not accept me for having a car I filed a identity theft I'm with the city of XXXX XXXX Police Department on XXXX XXXX and when I got my report it came back identity theft was Financial off to NetSpend cards and I was the victim

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 2019-05-30 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: AL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX ; ( Original Creditor : XXXX XXXX ) XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have closed this account, repeatedly, I've e-mailed, called, even went into the branch and spoke to a person and was assured the account was closed, and yet it still shows up as open.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I WENT OUT OF TOWN AND I ORDER SOMETHING ONLINE ON SOMEONES COMPUTER THAT WAS HACKED. ALSO I WAS ALERTED BY THE IRS ABOUT MY IDENTITY BEING COMPROMISED.

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 2019-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation
State: AL

Complaint narrative:
I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30 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: VA

Complaint narrative:
I filed and faxed the ftc report over to experian and they took some stuff off of my report i called in to dispute the rest as they should have the ftc report and delete the items some smart lady who was nasty told me sorry i cant help u u just have to deal with it. Your ftc doesnt meet the requirements and then hung up on me. Now there are serval collection account that dont belong to me and 13 inquires and 3 closed accounts that i have no aware of this is crazy im XXXX yrs old woman not computer savy and some one has been living as me getting loans and all in my name.

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 2019-05-30 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I am harassed with phone calls every hour throughout the day. When I pick up the phone, no one is on the other line to answer. Naviant calls from several different phone numbers in several different area codes. Today ( XX/XX/19 ), for example, I received calls at XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. I answered the call at XXXX and no one ever came to the line. I also declined permission for automated calls from this company. 

My payment was going to be XXXX ( ish ) and an INTEREST only payment was XXXX ( ish ). My government loans are consolidated and my monthly payment is {$55.00} due to an income-based repayment plan. Naviant will not help me with an affordable payment and employees never seem to have the same answer.

Company response to consumer: Closed with explanation