vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.

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 2018-11-02 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: LA

Complaint narrative:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!

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 2018-11-02 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Student loans are being reported 6 times, as charged off accounts 3 of them for XXXX 3 of them for XXXX. Totaling over 15,000.00 in charged off accounts that should not be appearing on my credit. I have tried for years between the XXXX XXXX XXXX, and XXXX to get this fixed, to no avail. Please help get this fixed I am desperate!

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 2018-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: ND

Complaint narrative:
I got restricted phone calls on XX/XX/ 3 times within half hour to call a number with a case number that someone was going to serve me from an account in XXXX with wells fargo. They also called on XXXX and left a voicemail to call a different number with same case number. I usually do not answer restricted called but they kept calling me repeatedly. The numbers are XXXX and XXXX and it's the same guy and refused to give me his name or any information. Threatening that I will be having court and getting served.

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 2018-11-02 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:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.

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 2018-11-02 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:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX accounts that appear on my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02 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: TX

Complaint narrative:
With an obvious regulatory Inclination, It is the presumption of this board that all facets of lawful writ regulations and the understood or should be understood standards of practice are to be acted upon in full undoubted accordance as dictated. This criterion in specification should be thought to incorporate the decrees within the metro 2 format compliance of reporting process as well. Further, this board takes note that Section 607 ( b ) of the FCRA requires CRAs to " follow reasonable procedures to assure maximum possible accuracy of information '' in their consumer reports. It is our view that a CRA that refuses to accept updated and corrected information from a furnisher on student loan accounts, if it still maintains that information in its database, does not have in place " reasonable procedures '' to comply with this section with respect to such accounts. An inadequacy of any regulation and or requisite standard gives credence to a injured consumer 's right to compel. The opinions set forth in this informal staff letter are not binding on the Commission. Please delete ALL XXXX XXXX XXXX  accounts that appear on my credit report immediately.

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 2018-11-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Weve had numerous issues with USBank on this loan modification. 

Most recently, USBank has refused to take additional income into consideration, even though both sources of additional income live in the home and contribute financially on a monthly basis. 

We have sent them this documentation on XX/XX/18 and XX/XX/18. On XX/XX/18 USBank denied the loan modification request. They claimed they had taken all provided income into account in the loan modification review THIS IS A LIE USBank did not take ANY additional income into consideration for this loan mod review. The net proceeds of XXXX and his wife is {$4400.00}. US Bank LIED to us on a recorded line, said that the wifes income was included but that they only made {$3100.00} ( see attached pay stubs. ) We were also dissuaded from filing an appeal with the person calling us telling us that only one appeal or complaint could be filed on a loan EVER. Once again. This is a BOLD FACED LIE and the true mark of an organization that has targeted minorities for foreclosure. We believe that the reason for telling us not to file an appeal was so that there would be no record in the file should this file be audited in the future. 

US Banks track record on this file is less than stellar. This file was started as a loan mod and someone at US Bank didnt think that a XXXX borrower was worthy enough to complete a loan mod review on the file and decided to move it into short sale on their own. Once moved back to loan mod there has been one delay after another. 

Now, we expect US Bank to deny everything on this. It is what you do. But for an added bonus we will also be submitting this complaint to Californias Attorney General. I really am sick and tired of every file we have with your company ends with US Bank attempting to commit a servicing violation or outright fraud. 

I want the loan modification to be reviewed with ALL of the income that was sent to USBank.

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 2018-11-02 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: Clarity Services
State: AZ

Complaint narrative:
After already submitting CFPB Complaint # XXXX Clarity Services Incorporated responded to my complaint with the following : " In response to this complaint, on XX/XX/2018, Clarity Services ( Clarity ) contacted the consumer to request the information necessary to assist with their concerns. On XX/XX/2018 and XX/XX/2018, Clarity followed up with the consumer to request the information necessary to assist with their concerns. As of XX/XX/2018, the consumer has been unresponsive to Claritys attempts to assist with their concerns. '' -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This is not true I attempted to call them back at the number I was given by the representative XXXX. When I call the number it was an automated system I waited on hold for 45 minutes but no one answered, so I left a voicemail. After I received a second voicemail message I decided to send them an email which was sent on XX/XX/XXXX requesting a response. 

They must not answer their phone, check their voicemail, or check their email, at Clarity services inc. 

I did respond to their voicemail and made several attempts to contact them. Their response to my cfpb complaint was not aligned with the facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My " Serve " them that I had received a referral from a Third party  which resulted in me being awarded the account, but that made no difference. 
I informed them that I had previously enjoyed the type of consideration which I was then requesting on the same account, to no avail. 
I finally informed Customer service that my " Serve " account was linked to my XXXX XXXX account without success The closing created a detriment to my XXXX XXXX  account. 
I mailed a letter by Certified mail to this affect to American Express Customer Relations Team in XXXX XXXX XXXX back on XX/XX/18 and they have issued no response, Notwithstanding the fact that my account was closed without any prior notice to me through mailings or through email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX {$100.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " Bills. '' On XX/XX/XXXX {$200.00} was sent to XXXX XXXX XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX XXXX. '' On XX/XX/XXXX {$200.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$400.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$500.00} was sent to XXXX for " XXXX. '' On XX/XX/XXXX {$300.00} was sent to XXXX for " XXXX & XXXX. '' On XX/XX/XXXX {$250.00} was sent XXXX for " late fee/registration fee. '' On XX/XX/XXXX {$300.00} was sent XXXX. 

All the transaction 's happened through my USAA account through XXXX the app that has a partnership with USAA happened, to move into a room in XXXX XXXX apartments in XXXX, California to move into a apartment with a XXXX XXXX and when i sent that last transaction on XX/XX/XXXX i was supposed to move into the address XXXX XXXX XXXX, XXXX, California XXXX and he stopped responding and disappeared and that's when i realized that i got scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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:
I CALLED ALL THREE CREDIT AGENCIES, EQUIFAX, XXXX, XXXX   AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
Three of us, myself and a married couple, purchased a home as Tenants in Common. All three of us are on the same mortgage note. The married couple are listed as the primary borrower and secondary borrow, myself listed as a co-borrower. 

The note was sold to Stearns Lending which indicates it provides an online portal for our loan management. I attempted to register with the portal ( XX/XX/XXXX ) and was denied access. I called the customer service number to find out why I couldn't register and was told that it was just a glitch in the system, that the support desk was notified and that I would have access soon. Then, end of day, I still did not have access. I filed a customer support ticket through the website and received a reply ( XX/XX/XXXX ) stating : " We are sorry you have been experiencing difficulty with the website. Our platform only allows for two   separate profiles per account. Therefore the person listed third on the loan will not have access under a separate profile of their own. 

Please feel free to contact us if you have any additional questions. '' I filed a secondary support request ( XX/XX/XXXX ) indicating that I needed access along with the primary borrow, while the third person would not need access. To which I received the reply ( XX/XX/XXXX ) : " We have received your recent inquiry regarding your mortgage account. Please have Mr. XXXX the primary mortgagor submit the request to have the names changed on the account. '' The person listed as the primary mortgagor called the support number and explained the situation as well as indicated the reference number to the last support request. He explained that as borrowers we all need the ability to manage our account and that we need to be able to make separate payments for tax filing purposes. The support representative put us on hold to check on it and returned saying that there was no way that access could be granted to me and the primary borrow and that we would have to switch primary and co-borrower. We told the representative that this is not an acceptable practice and asked to speak to a supervisor and were placed on hold. We never completed the call due to a very long hold time. 

As borrowers, we should all be able to access and manage our accounts and make payments individually. 

1. This arbitrary limit of 2 profiles per loan is unacceptable. This can't the first time that more than two borrowers have opened a mortgage.

2. We must have the ability to pay portions of the mortgage separately for tax filing purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Panorama Mortgage Group, LLC
State: NV

Complaint narrative:
Around XX/XX/2018 my daughter 's loan officer called me and wanted my bank statement with balance. He had read my bank statement. He was complaining that the print was too small even though he told me he read it. All of this is because I gave my daughter a small amount of money {$7500.00} to pay her closing costs.. Mind you I am not getting the loan to buy a house. My name will not be on the title of the house. He went on to tell me he needs to know that I am not selling drugs or participating in other illegal activities. Again this is not my loan. It is my daughter 's and her husband 's. Can you help me with this problem. He told me that he is denying my daughter a home loan. My name is XXXX XXXX XXXX I would like a call from the entity that can do something about this problem. And if they think this man was out of line. My daughter and her husband both work and are law abiding citizens. For such a small amount of money that I gave them I don't give them my personal information. If it was a large amount of money then it would be different.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

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 2018-11-03 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 CALLED ALL THREE CREDIT AGENCIES, XXXX, TRANSUNION, XXXX  AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

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 2018-11-03 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 CALLED ALL THREE CREDIT AGENCIES, XXXX, XXXX, EXPERIAN AND I EXPLAINED THAT THE INQUIRES WERE NOT MY INQUIRES. THEY FRAUDELANT INQUIRES. THEY STATED THAT THERE WAS NOTHING THEY COULD DO ABOUT IT. I HAD ALERTS SET UP ON ALL MY ACCOUNTS, BUT THAT IS ALL THEY SAY COULD DO AT THAT TIME.

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 2018-11-03 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:
Equifax continues to report a fraudulent XXXX XXXX account on my credit report. They have sent me a letter to express that the account can no longer be reported by them. This account is the result of identity theft and it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03 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: NJ

Complaint narrative:
After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file.

Company response to consumer: Closed with explanation