vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: SC

Complaint narrative:
On XXXX XXXX I received a direct deposit from my part-time employer and called in this morning to get the balance. My call was transfer to a representative and she told me my account was being closed due to Suntrust Regulations. It makes me upset that they close your account without warning and you cant ' get an explantation on your own money that your worked hard for. I also have a checking account with them and wrote a check and now my check is going to bounce because my account is on hold.

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 2019-04-12 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX/XXXX   and XXXX/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I paid off my loan held by TD Auto Finance on XX/XX/19. I had made a monthly principal and interest payment on XX/XX/19. My final payoff demand was not updated to include that P & I payment, and as a result I had overpaid. I have called TD auto finance once a week since my payoff to see when I would be receiving the {$740.00} over payment. Each time I have called, I have spoken with a new representative, who has informed me that the payment would be sent " next week ''. " Next week '' never comes and it does not appear TD Auto Finance has any intention on refunding my over payment. If I made a late payment they would be charging me default interest. Yet, they will not return my over payment, and I am not being compensated for that in any way whatsoever. I just want my money back and they have held it hostage. It has been 56 days since my final payoff. Where in their terms and conditions does it state this is acceptable? Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: FL

Complaint narrative:
I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. 

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile. 

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.

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 2019-04-12 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:
XXXXXXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2 and 3 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an XXXX. Please change the coding to XXXX. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
I ordered cable service with company and upon install my personal property ( television ) was damaged and cable service did not work. I immediately cancelled the service and returned the equipment. Service provider continues to attempt to collect on a debt that I do not owe, nor agreed to pay. Consequently, debt was reported to credit bureaus and I have disputed it with no favorable results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: American First Finance, Inc.
State: FL

Complaint narrative:
I applied for an account at XXXX XXXX for furniture. The store rep XXXX verified that they use XXXX to run any credit requests through American First Finance. My XXXX FICO is XXXX, my monthly gross is {$2900.00} ( {$2700.00} net ), my annual is {$38000.00} and my fianc makes $ XXXX/month. I have the credit and we have the income, yet I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: WY

Complaint narrative:
Repeated calls to cell phone and repeated letters after being notified of representation. 

All of my original creditors have been notified by phone and in writing that I am being represented by an attorney both by telephone and by letter. The fact that I am being represented by an attorney does not vanish because the debt is purchased or transferred. If this firm purchased my debt, or even if they are just managing my debt, then this firm also has access to the records of my debt and has knowledge of my attorney representation prior to taking ownership of my debt. 

This firm has also been individually notified that I am being represented by an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Called Wells Fargo XXXX to pay off XXXX XXXX 's equity line under name XXXX XXXX. I am his son-in-law, XXXX XXXX. His home number is XXXX. 
My complaint is based on the excessive premium that Wells Fargo placed on XXXX when he let his property insurance lapse. He is not savvy in finances and also XXXX is his second language, so he did not know what " forced Insurance '' is. 

I called to pay off the equity line today and they said they would have that number on Monday. They also said it would probably include the principle balance of {$620.00} and also the unpaid insurance balance which is {$5900.00}. 

As we know forced insurance only covers the banks exposure. I feel that Wells Fargo has charged excessively for the forced insurance and that a fairer price should be negotiated based on the exposure of {$620.00} balance with a line of credit for {$24000.00} max.

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 2019-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: GUARANTEED RATE INC.
State: MO

Complaint narrative:
I believe that I was discriminated because I am currently receiving public assistance ( Social Security ) or my age. I don't think it could be anything else because I have assets in excess of 1.5, not including my free and clear home that they were aware of. First of all they told me not problem, but then when they did some kind " formula '' and I needed more that the 20 % per cent down that was originally agreed to. Then a week before scheduled closing, I need more money at closing in the form of cashier 's check only. Then after I was told about the addition money, it was well after close of business yesterday, I had to scramble around this morning to get a cashier 's check to close. I went to closing signed all kinds of documents ( and presented my two checks ) only to find out that I would not receive my keys until Guaranteed Rate Affinity LLC " released my funds ''. 

I would ask how many people with credit scores over 800, over 20 % and a fairly large sum in investments get refused from a mortgage company somehow affiliated with my real estate firm. It really looks like Disparate impact to me and also I don't think they like that fast that I receive substantial payments monthly from Social Security. 
Again Guaranteed Rate XXXX  XXXX NMLS # XXXX. 
Please let me know what I need to do or if you can help me!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Reports on XXXX XXXX by Capital One Bank, reporting to XXXX   listing dark web information found on the credit report. Being denied employment through credit check processing indicating misleading and inaccurate personal behavior misstatements from non financial reporting. In 2018, reported dark web information found to FBI and filed a report as information is incorrect, improper use of email address, identity theft as email address. There are no billing statements, transaction of financials with the Capital One Bank or any other crediting bank. The email listed is registered on job boards, public websites such as XXXX  for employment. Currently, XXXX XXXX provided by XXXX is reporting as a Negative on the credit report on personal information found on a dark web search. I have taken the necessary steps in reporting to the authoritative agencies about this event and have filed claim to the FBI claiming Personal Identifiable Information, Defamation, and Identity Theft. 

The right to privacy is an element of various legal traditions to restrain governmental and private actions that threaten the privacy of individuals. No one shall be subjected to arbitrary interference with his/her privacy, family, home or correspondence, nor to attacks upon his honor and reputation. Everyone has the right to the protection of the law against such interference or attacks.The right to privacy is alluded to in the Fourth Amendment to the US Constitution, which states, " The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: GA

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

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 2019-04-12 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: FL

Complaint narrative:
I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records.

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile.

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.

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 2019-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
This debt was paid in full on the Midland Credit Management website on XX/XX/2019. I paid the full amount showing on my statement. After successful payment, I received a receipt screen showing that the debt was paid and had a XXXX  balance. When I went back into my account today XX/XX/2019. Mysterious extra charges have now been backdated and I am showing an additional {$510.00} balance. These charges are not valid and were not on my statement when I paid the account in full on XX/XX/2019. 

As back up I have screenshots of my paid in full receipt screen, my bank statement showing payment, their statement showing the new charges backdated before my payment, and my credit report showing the amount reported by MIdland. I feel that this is a scam and fraud to try to get more money out of me when i have duly paid my obligation to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: MN

Complaint narrative:
I Need to file a complaint on Experian I have asked them about 7 time to investigate accounts for me in which they failed to do I have account on my credit report that do not belong to me also i have sent in documents to them and they failure to delete these items! 
XXXX XXXX not my account Number please delete this negative info and send me a method of Physcial documents as to how this account was verified in your last invesigation! 

XXXX XXXX XXXX not my account number please delete this negative info and send me method of Physical documents as to how this account was verified I HAVE ENCLOSED PHYSICAL AND I DEMAND YOU TO DO THE SAME! 

delete ASAP

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 2019-04-12 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: OH

Complaint narrative:
I have no knowledge of this account being that I have been incarcerated for the last XXXX years. I want this information removed from my credit report it is a total fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Action Revenue Recovery, LLC
State: TX

Complaint narrative:
I received a credit alert of a collection item placed on my credit report by Action Revenue Recovery. It stated the collection item was opened on XX/XX/XXXX and was just now reported on XX/XX/XXXX. After researching the claimed debit it was for a bill with XXXX XXXX XXXX XXXX. After searching for this doctor I found an address of XXXX XXXX XXXX XXXX XXXX TX . I know that area and there has never been on office of a radiologist or a medical office in this location. Further research on XXXX shows the registered address as XXXX XXXX XXXX XXXX XXXX TX. Now this is unusual as i don't know of anyone practicing out of an Apartment or if that is even legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I keep getting calls all day long from XXXX, I have all my messages on " send '', but when they were leaving messages it was the following : " Customer Service is Busy but if you could please just take a few minutes to log in at XXXX forward slash City XXXX XXXX XXXX XXXX XXXX. To review your account status it would be appreciated. If you would prefer to call us please feel free to visit as always great to get a chance to speak with one of our valued clients. Our toll free number is XXXX. Once again thanks for being a valued City Bank customer. '' ( I copied this off the internet when I plugged their phone number into XXXX ) # # # I have investigated this number on the internet and people are saying it is City Bank trying to collect on a XXXX credit card, they say it is fraud, I do not have a XXXX credit card. I do have a Citibank card and contacted them and they said they would look into it, but so far, I am still receiving calls, I am in good standing with Citibank. I do not want to call the number given as I do not want to be involved in this. I sent a notice to the XXXX as well, hopefully you can do something, I also received a text from them " Citi Payment reminder : visit www.citi.com/XXXX or call XXXX to make a payment on your XXXX Account, to opt out of all texts reply " stop ''. I did not respond. 
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 2019-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: American First Finance, Inc.
State: AR

Complaint narrative:
On XX/XX/19, they called me 12 times. The phone would ring, and right before voicemail, it would re ring with same number, and did it twice more, making my phone ring constantly for 4 times while bypassing voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VT

Complaint narrative:
problem whit bayview loan servicing on my credit report about every 2 to 3 month show 30 60 90  days late on payment i alwais pay my paiment on time my credit is very lo because of them they add fee on my account for nothing they call us avery day 7 day a week for a year or more this month my payment go up over {$200.00} is t a nightmare whit them i think they XXXX people lef and right i try to fine a lawer to file a sue again them but no success yet

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see page 8 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation