vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-15 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: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead. 

After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year. 

I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it. 

I will be happy to provide copies of letters from SunTrust or any other information upon request.

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 2018-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Account opened with Capital One in XX/XX/2018. XXXX XXXX and XXXX  DO NOT show ANY account history of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XX/XX/2018 {$830.00} ( {$740.00} + Tax {$92.00} ) This was a charge from a Dive/Snorkeling Company in XXXX that the trip was canceled by the Captain of the boat.

Tried disputing with American Express two times and they will not refund our money. They say ts a close case due to we signed a contract. 
See below for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Upon receiving my credit reports from XXXX, XXXX and XXXX on XX/XX/2018, I noticed a negative/derogatory line item from Portfolio Recovery Associates, LLC in the amount of {$6300.00}. I have sent two certified letters to Portfolio Recovery requesting validation of this debt, bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. They have not provided me with any documentation bearing my signature. Portfolio responded by saying that they verified the account. However, they have not shown proof of my signature. Portfolio went on to say ( in their most recent letter ) dated XX/XX/2018 " If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed ''. 
What is the next step in getting this removed from my credit reports?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I currently have an escrow account with Wells Fargo that was established after attempting to have my loan modified. I have documents from Wells Fargo during this process that stated that the escrow account would be removed if I did not qualify for the modification ( which never happened ). I was a victim of their predatory lending practices when they took over XXXX XXXX XXXX loans. I have submitted numerous complaints though CFPB regarding their lending practices, but they always find a loophole to wiggle their way out. This complaint is in regards to my property tax. I have made a formal request with Wells Fargo to pay my property tax independent from them. I am able to pay the first installment now, and will have the money to pay the second installment when it comes due. This is important to me since if Wells Fargo pays my property tax, it will increase my current mortgage payment which is already over {$5900.00} dollars a month ( at 7 % interest rate ). The representative I spoke to said that I would not qualify to pay the property tax on my own, and that they will pay it and my monthly payment will increase in XXXX. This is not fair! I feel that Wells Fargo is trying to push me out, and force me to loose my home. I'm mostly submitting this, just so it can go on record somewhere, because I'm sure like with other investigations by Wells Fargo, they will find a loophole to continue their unscrupulous practices.

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 2018-10-15 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: TX

Complaint narrative:
Requested written documentation with my original signature from collection agency by certified mail also informing them that they had 30 days to provide documentation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX C/O XXXX XXXX Partial Account # XXXX They failed to do so and I submitted a second letter demanding they remove debt from 3 major credit bureaus because they failed to provide requested documentation. Approximately 10 days after the 30 days passed I received a letter from Collection agency with documentation that had a signature not belonging to me and another individuals name not belonging to me. All letter disputes were mailed to credit bureaus. Trans Union did not remove debt but in turn sent me a letter stating the debt was valid. The letter Trans Union mailed to me has incorrect middle initial in my name, which makes me think they have wrong information or incorrect spelling of my name on my credit report. XXXX requesting more information to identify myself. I would like to submit a complaint regarding the signature and validity of this debt not belonging to me.

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
This complaint is a continuation of my initial complain ( complain # :XXXX ) about XXXX XXXX. The bank keeps sending me letters confirming that they approved my dispute but they do not want to allocate proper credits to my credit card. They issue credit in the disputed amount of approximately, {$1600.00} under the revolving transaction history but also, at the same time, they add debt in the same amount of approximately, {$1600.00}, which zeros out the deputed transaction. When I called and spoke with the account supervisor, XXXX, since the dispute department does not have phone number, she reviewed the account and confirmed that this was an oversight on XXXX XXXX / XXXX XXXX end and that it will be addressed within 72 hours on my statement. 72 hours passed and my credit card statement did not change. I called again on Thursday, XX/XX/11 and spoke with another account supervisor, XXXX, Employee ID # XXXX who was arguing with me over the phone for more than 20 minutes, very rude and condescending. When I asked for proof of receipts for the fraudulent debt referenced above, she was not able to answer my question. I told her that, initialy, after i returned unwanted items with XXXX XXXX, I should have received a credit for approximately {$1600.00} not only under revolving transactions but also the plan ( back then, plan # XXXX ) should have been closed. 

The plan was closed but they refusing give me proper credits to my credit card statement. I am the account holder, so they have no right close this case without providing explanation and additional information as to why they fraudulently, without my authorization, charging my card in the amount of, approximately, {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: IN

Complaint narrative:
Ive been working with a company called XXXX XXXX help, which a debt settlement company. Ive been working with them to consolidate my payday loan debt. They contacted Bridge Le dong Solutions as this is one of my lenders. They let them know that I was working with them and that any communication needed to go through them. The problem is, that they continue to call me, send me letters and have been contact my family. I contacted XXXX XXXX about this and they stated they have reached out to Bridge Lending Solutions and they agreed to settle my debt. They recommended for me to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I opened a Citizen 's Platinum checking account on XX/XX/2018 for a promotion of {$400.00}. I completed the requirements and was suppose to receive the bonus after 60 days. It has been more than 90 days and Citizen 's bank claimed the offer was not attached to the account and refusing to award the bonus. I clicked through the advertisement attached. I should not be punished because the website didn't include the promotion correctly. 
They are withholding the bonus until and charging me monthly fees in the meantime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XX/XX/18 I received a suspicious call from someone claiming to be Equifax at the number XXXX. They said they're was a dispute about whether a mortgage that was in my name had been closed and needed access to my mortgage account to confirm. They conference called me in with my bank who asked for private information and my account password. After speaking with the " Equifax '' representative I was disconnected. I contacted Equifax the next business day to confirm that they did in fact contact me ( I was concerned it a was a phishing scam ). I spoke with multiple representatives who each asked for my SSN, address and Birthdate and said there was nothing they could do to confirm I was contacted. They said I would need to send in a dispute form and a copy of my driver 's license and social security card. This call took 40 minutes and resolved nothing. They refused to look into the matter without me mailing in personal information. Meanwhile my identity could have been stolen. There needs to be more transparency into who is contacting me and a way to confirm contact with such personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
waypoint resources account does not belong to me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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: FL

Complaint narrative:
XXXX has sent correspondence that tradeline is deleted and it has been deleted from XXXX and XXXX but not from Equifax. It needs to be deleted from Equifax. 
Account # : XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC
State: MI

Complaint narrative:
This company has no validated this debt and I have not held a negative balance with this institution. This account with closed with a {$0.00} balance and company refuses to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account opened with XXXX XXXX in XX/XX/2018. Trans Union and XXXX DO NOT show ANY account history of this 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 2018-10-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BB&T CORPORATION
State: NY

Complaint narrative:
I have tried on numerous occasion to speak with company in regards to having debt removed from credit report but nothing has been done. Account is apart of bankruptcy and should be removed.

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 2018-10-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
The interest that has been charged while I was deployed and was being recalled to XXXX XXXX was around {$1300.00}. I tried to send them all of the sets of military orders to have help with the SCRA and they hang up on me every time and will not respond to me or give me an answer or help me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FCI Lender Services Inc.
State: CA

Complaint narrative:
XXXXXX/XX/XXXX is a collection agency for the XXXX XXXX and is trying to collect a debt that has been discharged through bankruptcy more than 9 years ago. In addition to the discharge on Chapter XXXX, the house was foreclosed on XX/XX/2018 completely clearing me of any debt that's owed. I continue receiving debt collection letters and threatening statements that they'll report to the three major credit agencies if I don't make new arrangements.

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 2018-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
End of XXXX, received Sychrony Email Statement and ntoice {$1300.00} promotional rate is expiring on XX/XX/2018. 

On XX/XX/XXXX, we sent a Check in the amount of {$1300.00} before traveling overseas, to pay off residual balance of a Sychrony Card due XX/XX/2018. 

During the XX/XX/XXXX, I notice {$4000.00} charges was posted to my account on XX/XX/XXXX. I've immediately called to inquire about the reason for the charges, and followed their instruction to fill out a Dispute Acknowledgement form with a carbon copy of the check and a letter to describe the incident. Priority Mail was sent on XX/XX/XXXX with Letter and Carbon Copy of the check as instructed. 

During XX/XX/XXXX, I called Sychorny bank to check the Dispute Status. They response was there were no updates ; they will call me if there are updates. 

On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX  requesting Payment documentation to complete their investigation. 

On XX/XX/XXXX, I sent out a certified mail with Carbon Copy of the check and another letter to describe the incident. 

On XX/XX/XXXX, I called XXXXXXXX XXXX to check dispute status but the response was " there is nothing they can do, since they never received the check. 

During the period above, I have Never received any telephone calls from XXXXXXXX XXXX to inform the status of dispute nor receipt of my documentation.

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 2018-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
TD Bank did not send funds from my escrow account to pay for my homeowners annual premium before the due date. Consequently, my homeowners insurance company cancelled my policy for " non-payment of premium '' on XX/XX/18. I received the cancellation notice on XX/XX/18 - after the insurance company & bank had closed. I was a nervous wreck all weekend worrying about not having insurance. My premium was due on XX/XX/18. TD Bank didn't mail the premium until XX/XX/18. Insurance Company didn't received payment until XX/XX/18. I have been re-instated after many stressful phone calls. This should never have happened. My insurance company sent out the original premium invoice in XXXX. I called TD bank on XX/XX/18. XXXX assured me that payment was pending, but it was too early to send it..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Applied Business Services, Inc.
State: SC

Complaint narrative:
This company keeps trying to say my identity was stolen. My identity was not stolen. There are many XXXX XXXX. I am just one of many. The address on file for this debt does not match my address and has never matched any of my addresses. I have never lived at this address. I sent proof to this company that I never lived at that address. Yet they are still trying to claim that my identity was stolen. My identity was not stolen. They have the wrong XXXX XXXX. 

There is a charge on my credit report that is not mine. It is an EMS charge with XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the EMS company and told them it was not mine. The EMS agency confirmed the address was not the one they had on file and removed the charge from my credit report. However, the charge has now reappeared. This time I contacted the Collection Agency ( Applied Business Services , Inc. Security Collection Agency ) and told them it was not my account, and I provided them with a copy of my XX/XX/XXXXand XX/XX/XXXX XXXX showing my address, showing that since XX/XX/XXXX I have never lived at the address that the EMS company had on file - it is in another town! I asked them to remove this from my credit report because it is not my account. The credit agency did not do that. They simply sent my current address to the EMS agency. The charge is still on my credit report. 

My identity was not stolen. This is the wrong XXXX XXXX. I do not need to fill out and stolen identity paperwork. I already sent proof via certified mail of my address. I sent a copy of my XXXX for XX/XX/XXXX and XX/XX/XXXX and a copy of my driver 's license. I have never had my identity stolen and I am not claiming that my identity has been stolen. They have the wrong XXXX XXXX. The address on file with the EMS company does not match my address. I don't know how many other ways I can say this so that this company will understand.

Company response to consumer: Closed with explanation