vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: COMMERCE BANK
State: KS

Complaint narrative:
This complaint was originally submitted to FDIC as Case # XXXX. XXXX ( XXXX ) explained the complaint was not listed in the CFPB database because it was forwarded to CFPB. 

I'm re-submitting my complaint because some of the information was re-arranged and cut-out when it was forwarded by FDIC. I also want to ensure this complaint is listed in the CFPB database. 

I want to report potential fraudulent activity by Commerce Bank in connection with a promotional offer to receive {$300.00} for opening a CommerceRelationship Checking Account. I discovered the offer after viewing an online advertisement. The URL for the offer was XXXX XXXX XXXX XXXX XXXX XXXX .... This page was likely removed because a search indicates " Page not found ''.

One case of potential fraud involves an invalid promotion code issued by a Commerce Bank representative. After viewing the advertisement, I contacted a Commerce Bank representative at XXXX and requested the promo code mentioned in the advertisement. The representative gave me the code, XXXX. I read the code back to the representative for confirmation. 

I entered my personal information in an online application. Next, I received a signature card with account number XXXX. I visited a local branch at XXXX and XXXX in XXXX XXXX to fund the account. After I provided the code to a branch representative, he informed me the code was not valid. 

I'm concerned the representative knowingly provided an invalid code. The representative may have been motivated by an incentive similar to the XXXX XXXX scandal. I'm also concerned the code was given to me in order for Commerce Bank to collect my personal information for their use. 

Another case of potential fraud may involve Commerce Bank efforts to target consumers who are unable to maintain minimum balance requirements to avoid a $ XXXX monthly fees. I suggest bank regulators investigate the target audience for this promotion and determine if they are likely candidates for being assessed fees. 

Commerce Bank responded to my complaint, however I believe their response is inaccurate and misleading. In their response, they noted the account was closed, however I continue receiving email correspondence from Commerce Bank to provide information and to fund the account. 

Since the complaint information forwarded by FDIC appears to be dis-organized, CFPB may want to re-open this inquiry open and re-submit the correct information to Commerce Bank. 

Attachments include : 1 ) Image of the online advertisement. 2 ) Commerce Bank Contact information. 3 ) PC Browsing history. 4 ) Email Correspondence from Commerce Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: GA

Complaint narrative:
On my TransUnion Credit Report, I have three hard inquiries listed ; however, two of these inquiries are for the same home loan. " XXXX '' inquired on XX/XX/18 and " XXXX XXXX XXXX '' inquired on XX/XX/18. These are just about within a week of one another and were for shopping for a good rate for a home loan. From TransUnion 's own website on " Credit Score Myths '' they state " If youre shopping for a loan and concerned about harm to your score, know that multiple loan inquiries within a period of a few weeks are usually treated as a single inquiry to minimize impact. '' That is exactly what was done here, yet my score has been impacted negatively for this.

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 2019-06-25 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: Waypoint Resource Group, LLC
State: GA

Complaint narrative:
On my XXXX Credit Report, a derogatory mark is listed for " Waypoint Resource Gr - Original creditor : XXXX XXXX XXXX '' for {$100.00}. This company has been trying to collect this " debt '' from me for years. I have not had a XXXX account since XXXX ; however, this debt is listed as being opened on XX/XX/XXXX. 

When I switched internet services in XXXX from XXXX to XXXX, a final bill was sent to me and I was to return the company 's equipment. I returned the equipment to one of their locations and paid my final bill at that time. I do not even have the checking account I used to pay for this final bill anymore as I closed that a few years ago. 

I have previously had this debt removed successfully from my credit report, and now it has magically shown back up as apparently a brand new debt. The debt should not be there at all, but it should certainly not, under any circumstances, be listed as having been opened in XXXX of XXXX. That seems particularly fraudulent and as if Waypoint is trying to get around the previous removal of the debt from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I supplied all the necessary documentation to capital one proving the vet killed my puppy. They refuse to credit back these charges and I refuse to pay for them. I have tried settling the account and they are rude and obnoxious. They continue to charge interest, late fees and reporting my account as written off but still shows a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation
State: VA

Complaint narrative:
Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. I would like this company removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had made a purchase of multiple items from Amazon on  XX/XX/19 which I thought were suppose to be for zero percent for 6 months. I get my statement and there is sometime at the beginning of XXXX. I notice the charges are not under promotional terms. I call at that time I'm told that it will be move to one and to wait 48 hours to see it online. I log into my account on XX/XX/19 and see the charges are not under promotional terms. I call speak with agent ID XXXX and I'm told the same thing again. I asked for confirmation email and was told they would not provide that. I would like for

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 2019-06-25 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: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
My business debit card was used fraudulently several times on XX/XX/2019. Twelve points of sale transactions were made back to back from XXXX XXXX IL in amounts between {$85.00} and {$110.00}. ATM cash withdrawals of {$500.00} and {$300.00} were made from what I believe to be the location of XXXX XXXX. The possible transaction numbers were XXXX & XXXX. 
No stops were placed on the account during this time. The fraudulent activity contact number is only available Monday- Friday. I called Monday morning to report the issue. The account was originally credited the amount after over a week without access to funds. 
The claim was then denied based on inconsistencies during the interview process which occurred over the phone and that no error occurred. Date of denial was XX/XX/2019. My claim did not change. Everything I told the representative was that my card/information was stolen and that I did not authorize any of the transactions which were identified upon reporting the original claim. 
The bottom of the denial notification letter stated that I ... have the right to request a copy of any documents that were used in decisioning your claim. I reached out to the bank on several occasions to try and better understand the meaning of this denial. Each time met with faulty information and false assurances that more information would be sent via paper mail. I have yet to receive any documents which they claim to have used to decide the outcome. 
I filed a rebuttal. Listing the same information/facts as I knew them. Date of submission was XX/XX/2019. The rebuttal was met with the same results and lack of clarification/information. 
It became apparent that the decision to deny this claim came down to one person. That person apparently has no accountability, can not be questioned/contacted, and is not required to provide information/clarification of their decision. Feels like the bank is taking advantage and is NOT there to protect my interests and account security/well being.

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 2019-06-25 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: MO

Complaint narrative:
On XX/XX/XXXX I sent a dispute to Experian to ensure compliance on 4 items on my credit report. On XX/XX/XXXX I received a response stating the items were updated or remains. On XX/XX/XXXX I mailed a request to Experian asserting my rights under the FCRA section 611 for a method of verification and from FCRA 611 ( a ) ( 7 ) for a description of the procedure used by Experian in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ). 
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). 
Today XXXX XX/XX/XXXX ) I received new " dispute results '' from Experian just stating the items remain or were updated so the actual request was ignored and they just opened a new dispute instead of providing the information under FCRA 611. Since Experian did not comply with this request within the time frame allotted they need to delete the disputed accounts.

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 2019-06-25 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:
XXXX HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXXXXXNOT MINE XXXX XXXX   XXXXNOT MINE XXXX XXXX  XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX   XXXXNOT MINE

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 2019-06-25 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: FL

Complaint narrative:
EXPERIAN HAS SOME ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE AND IN VIOLATION OF THE FCRA. 
ACCOUNTS- XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX   XXXXNOT MINE XXXX XXXX XXXXNOT MINE XXXX XXXX  XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX XXXX XXXXNOT MINE XXXX XXXX XXXX0NOT MINE XXXX XXXX XXXXNOT MINE XXXX  XXXX  XXXX  XXXXNOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: TN

Complaint narrative:
On XX/XX/XXXX, received a Notice of Collection Placement from EOS CCA, XXXX. XXXX XXXX, XXXX, MA XXXX that I owed XXXX {$51.00}. I had closed my XXXX account in XX/XX/XXXX and the company ended up sending me back a refund, which I received in XX/XX/XXXX. I called EOS CCA and they told me I owed the money and I told them that was incorrect because XXXX owed me money when I closed the account and they paid me the amount of {$51.00}. The lady told me to call XXXX and gave me my XXXX account number ( XXXX ). I called XXXX, was on hold for over 45 minutes until XXXX, the XXXX account representative answered the phone. XXXX was very helpful. He told me that the account was closed and that there was a XXXX balance. He could find no instance where my account was sent to a collection agency. 
But just to be safe, he sent me to XXXX 's Finance Department, which I had to wait on the phone another 30 minutes, but XXXX waited with me, before anyone answered. My call was answered by XXXX, who told me my account was closed and that XXXX had sent me my refund of {$51.00} when my account closed in XX/XX/XXXX and the check sent to me in XX/XX/XXXX. XXXX told me that XXXX never sent my account to a collection agency and that EOS CCA 's Notice was fraudulent and not to give them any personal information because they were trying to steal my identity. I called EOS CCA back and told them that XXXX told me their letter was fraudulent and they they never sent my account to a collection agency and a manager told me if I didn't pay they would ruin my credit. I felt like I was being threatened to pay this collection agency or they would intentionally ruin my credit. 

I called back XXXX after this to get someone to help me and waited on hold again for 45 minutes before XXXX picked up the phone. He was very rude and told me I had a XXXX balance and if I wanted to clear up the issue I had to file a dispute claim with XXXX or no one would help me. I got off the phone with XXXX and I sent a dispute letter to XXXX asking them to clear up the matter of the collection Notice ( I also sent them a copy of the collection notice ). 

I am afraid this collection agency is trying to get money out of me that I don't owe and steal my identity. Even though I sent a dispute notice to XXXX, I am not sure they will do anything because they said they never put me into collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
After looking at my credit report, I found late payments that are not accurate. Please remove these errors as it is impeding my ability to do business and grow. I address this in the past with a rep regarding the billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Linebarger Goggan Blair & Sampson LLP
State: NY

Complaint narrative:
*On XX/XX/XXXX I received a collection notice from Linebarger Goggan Blair and Simpson LLP ( LGBS ) in an attempt to collect a debt on behalf of XXXX XXXX. The notice was dated XX/XX/XXXX and the account number on the notice is # XXXX. The debit is in the amount of {$46.00} ; *On XX/XX/XXXX I contacted LGBS by telephone to explain that the transponder was returned to XXXX XXXX   XXXX in XX/XX/XXXX when I sold my vehicle ( and did not purchase a replacement vehicle so I had no need for a transponder ). I explained that the transponder was returned and did not owe any fees related to it. The individual I spoke with stated that I needed to dispute the debt in writing by sending a letter to LGBS which I did on XX/XX/XXXX ( letter uploaded ). In that letter I indicated I was disputing the claim as the transponder had already been returned and I requested a transaction history showing the charges that were assessed after the return of the transponder. 

*I was never provided with any information about the disputed debt by LGBS or XXXX XXXX however, I received an invoice from XXXX XXXX dated XX/XX/XXXX. On XX/XX/XXXX I wrote yet another letter to LGBS ( also attached ) that I disputed the debt and I was again disputing the debt until I was provided with irrefutable documentation to support the collection claim ( which would not exist as I returned the transponder in XX/XX/XXXX ). In that letter I stated that if the matter was not resolved in accordance with the Fair Debt Collection Practices Act I would escalate this issue to a regulatory agency. Again, I never received a response to my letter disputing the debt for a second time. 

*Yesterday ( XX/XX/XXXX ) I received a SECOND NOTICE from LGBS regarding the debt. Ironically, the Notice states, " You have failed to respond to our correspondence and we are assuming this debit is valid ''. In actuality, I responded three times to dispute the debt ; a telephone call on XX/XX/XXXX followed by a letter date that same day as well as another letter dated XX/XX/XXXX. 

*I strongly believe that LGBS should be fined for non-compliance with the FDCPA due to their careless disregard of the Act and my rights under the Act. If they are doing this to me, they are obviously taking the same tactics with other consumers many of whom may not know their rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
COMMINWEALTH IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT. THATS NOT MINE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I had a security freeze put onto my account with Experian, however Experian it is impossible for me or anyone to remove a credit reporting freeze with Experian as the phone information provided is impossible to use and upon giving about 15 instructions in a period of two minutes, then the built-in AI hangs up immediately. 

This appears to have been done so to cut costs at this credit bureau at the expense of the consumer.

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 2019-06-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I C SYSTEMS IS IN VIOLATION OF THE ( FCRA ) AND ( HIPPA ) THEY HAV AN ACCOUNT ON MY CREDIT REPORT.

ACCOUNT # XXXX ACCOUNT # 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 2019-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello. I went into the US Bank in XXXX XXXX at the End of XXXX (  Tuesday after XXXX XXXX ). My sister lost the Atm ( yes her name is on the account, but does not have her own ATM. I was so called helped By XXXX the manager of the Branch who was very loud and rude. he acccussed me of trying to pull some kind of scam. ( Yes we have lost many cards we are flakey and freak out and cancel them, we always find them after we cancel them. I went home and the XXXX number was called and they said the manager was out of line it DID NOT matter how many cards we had. they gave me the Number to to the district manager. XXXX XXXX who was on vacation according to XXXX XXXX who called me. she was Nice until she found out I was a XXXX XXXX survivor ( XXXX looked a lot like the man who attacked me, being very tall no hair and loud voice ) and I suffered from XXXX. I got 2 emails one from her and one from XXXX XXXX explaining things, never once saying why he acted like he did and cover ups and lies. I tried calling them XXXX XXXX and she never called me back or played phone tag. Then On XX/XX/2019 I got a letter saying my account will be closed ( the letter was written on XX/XX/XXXX XXXX the letter was addressed only to me and not my sister, indicating or appearing to me like they were discriminating against me because of my trauma or retaiklation because I complained and called them on their lies. XXXX and XXXX said my accounts that I reported lost were still open, then when I asked them to close them they said oh soame body already did, how can they be open and closed in minutes??? They said the assistant Manager XXXX could not help me, according to XXXX she was helping some one else, and XXXX she offered and I said no. The truth was she was coming back from lunch or something. Iasked if she could help me and XXXX said NO I am the the Bank manager and only I could help you. XXXX aslo shook her head No. It happened at the XXXX XXXX  Branch XXXX XXXX XXXX  XXXX XXXX California XXXX the people I am complaining about are. XXXX XXXX or XXXX, XXXX XXXX and XXXX XXXX and XXXX the bank amanger

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