vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I have made multiple attempts to resolve a fraudulent inquiry made by someone with SunTrust Bank, However, SunTrust Bank has stated they are holding their position that this information is accurate and factually sound. 

Therefore, after receiving information from SunTrust Bank, they failed to provided me Definitive proof outside of the personal information they received from a unknown source which will verify they did not speak directly to me to obtain my private information. 

To simply resolve this situation, it is well known that all calls are recorded for training and verification purposes with SunTrust Bank breaches. I am requesting at this time, date, minutes of call in progress, and Audio of this call to be uploaded to the CFPB platform to be proof and verification and factually sound as stated by SunTrust Bank. 

Please provide this Audio immediately, if you are not able to display this level of proof, it is absolutely clear SunTrust Bank can not hold a position of this fraudulent inquiry being factually sound.

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 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I am filing this complaint based on Capital Ones refusal to provide any consumer assistance or programs on my account due to Hardship. I was injured in XX/XX/2019 and required XXXX XXXX in XXXX. I have been on medical leave since XXXX as well as being denied XXXX benefits of which I am still fighting. Upon reaching out to Capital One on multiple occasions seeking assistance with my account which is now falling drastically past due, Capital One has been unreasonable and unwilling to provide any programs or assistance. I have not worked, nor am I cleared to return to work until I am fully healed and am unable to manage payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
I made a complaint and told the company this is not my debt they insist on me paying for something I did not use. My auditor who was living in my household used my information to secure the debt and the police wouldnt help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
AWA Collections was enlisted by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX to collect charges of over {$500.00} for a root canal procedure. I was told I had to pay {$900.00} upfront to XXXX XXXX before they would perform a root canal procedure. This was performed by XXXX XXXX, XXXX. The office was to preauthorize this procedure which would have been covered by my dental insurance. They did not pre-authorize the procedure. After the procedure was done, XXXX XXXX sent me a bill, since the insurance company denied the claim because it was never preauthorized. The dentist had damaged over {$5000.00} of porcelain veneers on my front teeth when she smashed into my front tooth and broke off the bottom, then filed down the rest of my front teeth and she refused to take responsibility and admit she damaged the teeth. She put a yellowish/grey colored crown on the front tooth that didn't match the color of the other front teeth, after I told her she needed to use a lighter color. I went back at another appointment to have it replaced and after waiting 45 minutes, the receptionist told me the dentist wasn't there and I'd have to make another appointment. They have not contacted me to reschedule and have refused to replace the XXXX  with one that matched the other teeth. XXXX XXXX submitted bill of over {$500.00} to AWA collections, which it now over {$700.00} due to the collection agency continuously adding on fees every few weeks. XXXX XXXX should have written off any remaining amounts they claimed were owed, due to their error/incompetence of not pre-authorizing the procedure, and for the thousands of dollars of damage they did to my other teeth.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I called Experian credit reporting after I noticed an incorrect address in my file. They refused to remove the incorrect address. They said a creditor was reporting this address in which I never gave such information to this said creditor. 

I asked them to remove this false information and Experian would not comply and help me..So now I am contacting Your agency for help

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 2019-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I agreed to purchase tickets for a XXXX XXXX  XXXX hockey game from someone on XXXX. The scammer 's email on XXXX was XXXX. His " real '' email that he gave me was XXXX. The name used was XXXX XXXX. The cell phone number he used was XXXX. 
The price was agreed. I asked the person if they could send the tickets through XXXX XXXX on XXXX and they said they could. I asked if they had XXXX. They responded I could set one up and then I offered the use of XXXX and they agreed so I sent him {$370.00} and i received nothing in return. 
I called. My number was blocked on their end. They answered no messages from me. 
I called CapitalOne which is my bank and who processed the transaction on behalf of XXXX. They said they would investigate but I have to contact XXXX too. I called XXXX and a recorded message says if you use the app through a bank, call the bank. No offer of help or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-28 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2019-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
On XX/XX/2019. I received a notice from my credit monitoring company that a New Open collection was placed on my credit report. ( Southwest Credit Systems ) located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. They are claiming that I owe them {$410.00}. Yet, they have not proved that they are allowed to collect this debt, or that this debt actually belongs to me. This Company did follow proper FDCPA, laws and because they place this bogus collection on all three of my credit reports, this debt collector is unaware of my case ( through error or negligence ) without proper validation of this debt my day to day, life activities have been destroyed. FDCPA, law also states a collection company/debt collector must send you proof that it owns or has been assigned the debt by the original creditor. Verification that you owe the debt and the amount of the debt needs to include documentation from original creditor. This said collection account was also included in my bankruptcy, had they contacted me properly, and or my attorney they would know that a current Chapter XXXX, is currently in affect. Which, all collections activities are protected, and could off had immediately correct its action after learning of the bankruptcy case. I seek that this negative, bogus, information be deleted from my credit report immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an email from American Express regarding a promotional rate of 0 % on my account XX/XX/XXXX. The promo said the rate would be expiring in XX/XX/XXXX. I have only one Blue For Business card so I started to take advantage of that rate. I saw on my statement that the interest was not adjusted. I went back to the email to look closer to notice it was for a different account number. I called the Amex representative and she said the account represented in the email expired in XXXX. I told her I never activated a card with that account number and I am requesting they honor the rate for my actual card or remove the interest. She said neither would be possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: MD

Complaint narrative:
XX/XX/XXXX/XX/XX/XXXX I filed disputes with XXXX, XXXX and Equifax for a medical debt that was placed on my credit reports, which I learned was a result of the company, XXXX XXXX XXXX XXXX ( XXXX ) failing to file a claim with my health insurance providers ; I have both primary and secondary providers. 

XXXX and XXXX immediately removed the account ; Equifax did not. Not only have they not removed it, their website will not allow me to re-open the dispute to attach the documents I'm including in this complaint to show that not only do I dispute that I owe the account, the documents are proof that XXXX XXXX XXXX   XXXX have apparently been unwilling to bother filing a claim with my insurance providers even after I provided them with copies of both cards XXXX times throughout the past year and EVEN AFTER Maryland Attorney Generals Office provided them with copies of both cards. 

The fact that XXXX XXXX XXXX  XXXX failed apparently, intentionally, to file a claim with my insurance providers makes them accountable for the bill, not me. 

The fact that Equifax refuses to remove the account from my credit report and also refuses allow me to re-open the complaint through their dispute portal online is why I am filing this complaint with the CFPB. 

For reference, see CFPB Complaint Number XXXX against XXXX XXXX XXXX XXXX. 

Federal Law is clear that medical providers who do/did not, and in this case seemingly willingly refuse, to file a claim with a person 's health insurance carriers leaves the burden of the account on the medical provider not the consumer. 

Federal Law also requires Equifax (, XXXX and XXXX ) to remove medical debts from credit reports when the consumer provides evidence that the bill is an error ... and in this instance the error is the the medical provider 's unwillingness to file a claim even after Maryland Attorney General 's Office intervened, yet, XXXX XXXX XXXX XXXX still has not filed a claim with my insurance carriers. 

It is for that reason Equifax should have removed the account from my report nearly a year ago, and why I am filling this complaint against Equifax requesting they immediately remove it from my credit report and is also why I have initiated a complaint against Equifax with Maryland Attorney Generals Office of Consumer Protection for not following Federal and MD State laws dealing with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
submitted a dispute with XXXX in XX/XX/XXXX, nothing has been resolved.. error continues to show in my credit report ... the error is : XXXX XXXX XXXX XXXX/XXXX XXXX. XXXX XXXX XXXX tx, XXXX amount {$740.00} that account was included in bankruptcy filing case : XXXX discharge date XX/XX/XXXX please help me correct the record 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 non-monetary relief
Consumer complaint received 2019-12-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
on XX/XX/19 I was charged by XXXX XXXX on my Capital One platinum card for a purchase in the amount of {$100.00} that I did not make. I have never used this card with XXXX After 2 attempts to resolve the issue with Capital One I still have the charge on my account after I was told twice that the charge would be removed and that I would not have to pay anything on this fraudulent charge

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: OR

Complaint narrative:
RE : XXXX data breech ... .XXXX transferred the credit monitoring service over to Experian in XX/XX/2019 for a free one year period. That period has now expired and Experian has " automatically unfroze '' our Experian credit reports, without any option by us. Now, to refreeze our credit report, or unfreeze, we have to send in multiple documents and wait weeks before they process the freeze. The same process is involved to unfreeze. They discuss the option to do this online but it DOESN'T allow it, nor will they let you do this via phone. The only TIMELY way to essentially do this is to PAY for their monthly service of {$24.00} after the promo month. This is such a racket that I can not begin to digest how they justify doing this to the XXXX MILLION of us involved in the Equifax data breech. This is beyond acceptable and should be investigated and they should be FORCED to comply with FREE security freezes that are TIMELY!!!! Don't believe their XXXX about " online '' of " via phone '', they wont do it and insist on sending the paperwork in. Oh, and the info you have to send in via snail mail includes SS #, drivers license copy, etc. Seriously, if this info gets stolen in the mail, you have further exposed your sensitve data. Forget about talking to an actual human being from Experian, that is impossible. Try it..Does n't work..

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 2019-12-28 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: ID Analytics, Inc.
State: NJ

Complaint narrative:
I have called SageStream over 50 time and have never gotten through to speak to any one, no matter what time I call in the morning or in the morning, afternoon or in the evening. Sometimes I call and it tells me I've reached them when them after ours and it will be XXXX. I'm starting to wonder if there is anyone even answering the phone. I leave a detailed message about them sending a report and or file that they have on me and also to freeze my account with them due to some suspicious activity. I haven't received anything from them in over 2 months and have never gotten a response in the form of a letter or a phone call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: PA

Complaint narrative:
I am lodging a formal complaint against portfolio recovery. This debt collector has been reporting derogatory Information on my three credit reports for debts owed to XXXX XXXX. I have sent this company numerous letters for debt validation, not debt verification. And I have yet to receive anything. No contract with my signature etc .... In addition I have never received a dunning notice from this company portfolio just reported on my reports without giving me 30 days to dispute validity, which is a violation of the fdcpa/fcra. I am in the process of purchasing my very first home for my family and I. And these errounous accounts are holding my family and I back. XXXX, and attorney general complaints will be submitted if these accounts aren't deleted immediately. Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
They keep calling telling us we need to make a payment, and we keep telling them, we can't till be get our Social Security, then they call again. Today alone the have called all out phone 7 times before noon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I've been a Chase Bank Customer for nearly 20 years I'm coming back to America at the end of XXXX after living abroad in the XXXX  and tried to open up a Chase credit  card yesterday after spending several hours with the credit card team prior as there was technical issue applying. 

After hours of international calls, I applied yesterday for the Chase Freedom Card and received a digital letter today stating it was declined despite having a spotless account with Chase for nearly 20 years, previous Chase Credit Cards and an excellent credit score. The decision letter I received as generalised, unhelpful, and inaccurate but listed an excellent credit score. I called to discuss the decision, only to be passed around endlessly and told conflicting information about whether I could actually contact the team in charge of the decision. After hours on the phone, I'm no closer to understanding what happened.

I was transferred over 10 times, had to explain the issue several times and given  incorrect information by staff on multiple occasions. Several times I was asked for the credit card long number for the account that had been declined. Clearly, there was no number as the account was declined. This was indicative of the overall lack of understanding all staff members seemed to have. I asked to make a formal complaint, only to be told I was unable to make a true complaint that would be escalated and investigated but only rather give feedback that would be used internally. I would suspect banks are legally obliged to have a complaints procedure as XXXX banks are subject to this. However, both the phone customer service team and the XXXX  team told me there is no complaints procedure, only internal feedback. 

It is impossible to discuss the application with anyone, appeal, or make a complaint. I'm keen to understand the issue but have no means of doing so and am unable to escalate this with Chase Bank.

Company response to consumer: Closed with non-monetary relief