vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
My SunTrust Bank debit/ATM card was stolen on XX/XX/2019. I reported the theft of my card within hours of the theft on XX/XX/XXXX to the SunTrust Fraud Department. When I notified the SunTrust Fraud Department, I was told that my card had already been used on eight separate transactions totaling {$3200.00} on XX/XX/XXXX. SunTrust stated the bank would investigate this matter, and {$3200.00} would be deposited into my checking account within 10 working days from XX/XX/XXXX. However, I received a letter on XX/XX/2019 from SunTrust dated XX/XX/2019 denying my entire claim. The letter from SunTrust denying my claim is attached to this complaint. I was never contacted by SunTrust nor asked any questions before this final decision was reached to deny my claim. I was not informed why my claim was denied. At the time of the theft of my debit/ATM card, I had {$19000.00} in my checking account. The balance in my checking account had been over {$10000.00} for many months. I have been a SunTrust customer for many years with my payroll checks being deposited into my account every two weeks. I have been traumatized by the theft of my debit card, and now I feel I am being traumatized more by my own bank who refuses to stand by its fiduciary responsibility to protect my money on deposit with SunTrust. The Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) states that the maximum liability for unlawful transfers on  debit cards is {$50.00} OR the total amount of unauthorized transfers. SunTrust 's website gives customers assurances of the safety of their deposits with SunTrust. I have now discovered that SunTrust has many complaints filed with the Consumer Financial Protection Bureau. I hope this complaint aids other bank customers who may have experienced or are currently experiencing the same or similar problems with SunTrust 's broken promises to its customers and its failure of fiduciary responsibility.

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 monetary relief
Consumer complaint received 2019-10-07 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
For at least five years or so, my minimum payment was {$25.00} a month. All of a sudden, as of XX/XX/2019, my minimum payment has been increased by {$10.00} for a total of {$35.00}. This was done without explanation or notice. I would like my minimum payment to be set to {$25.00} like it was ; and if not, explain why the increase has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
All these inquires listed below were placed onto my XXXX  report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX  | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |

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 2019-10-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
sent to equifax, XXXX  and XXXX  they all taken more than 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
sent to XXXX, trans and XXXX  they all taken more than 30 days

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 2019-10-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
sent to XXXX, XXXX and exp they all taken more than 30 days

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 2019-10-07 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
We were supposed to close on the property on XX/XX/XXXX. Due to USAA erroneously closing out the paperwork regarding this sale in their system, closing on the property was delayed. We had to wait 2 weeks for USAA to assign a new person to our account, wait for that person to read and agree to the documentation to proceed to closing. We made every single payment on the mortgage on time and in the amount due since XX/XX/XXXX. The closing finally took place on XX/XX/XXXX. Due to the different departments at USAA not communicating, the sale wasn't known by the loan department who subsequently reported my now ex-husband and I as being late on one ( 1 ) payment in the entire 14 years we had the loan. I spoke with USAA on numerous occasions for them to fix their error. Finally, I received a letter in the mail dated XX/XX/XXXX stating that they corrected the dispute on our ( ex-husband and my ) account and notified the credit reporting agencies of their error so my credit report would be fixed. It is now 5 months later, I have reviewed XXXX, XXXX, and XXXX  and they all still show I was late on one ( 1 ) payment that I wasn't. 

When my ex-husband called USAA to have this same issue fixed on his credit reports and to receive a letter like the one they sent me, he was told they could not send him one in his name since they already generated a letter for me,  however, the letter I received does NOT reference XXXX 's name at all, nor did they go through the process to fix the error they caused on his credit report. This is so unacceptable. 

This is severely affecting my credit score and hindering my ability to buy a house for my son and me. I am recently  divorced and need to provide a home for him. I am a U.S XXXX XXXX veteran and want to use my VA certificate for the loan. Based on their rules, I will need to wait until the late payment falls off my credit report to use it. I close on my current house at the end of this month and am in the process of buying a new house and am now experiencing difficulty obtaining a mortgage. Please look into and assist in rectifying this matter. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: TX

Complaint narrative:
Equifax has not sent me anything about my credit if they fixed my issue or my FTC violation it's been more than 45 days nothing in the mail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 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 ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any 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 non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: LEXISNEXIS
State: MO

Complaint narrative:
Contacted lexus nexus about a reoprt that was given to XXXX XXXX and then contacted about the wrong the wrong info submitted. They also went against the federal DOT laws put down by the FSCSMA for commercal drivers to correct the problem along with with noot providing the consumer with the reports given out that individual provided to an insurance company along with not providing the consuner after verifying that person as so anlong with by there there own procedures and the rights of the individual for a copy of said reports. Formal request ade to lexus nexus of all reports given to be sent to individual ( recodered and company was notified in orcdance to statues and laws followedas heard in recordings of phone calls and non willingness to follow consumer rights to provide such info ) has lead me to this course of action. Lexus nexus that reports DMV records has not reported the corect info and also has not only caused significant increase in insurance costs due to improper reporting even by there own admission they continue to dereguard federal FMCSA and individual rights. This company needs to be investigated in false reporting and activtivley violating FMSCA rules and regulations for commercial trucking industries. The abuse of power and the fact they can violate federal laws put down by the FMCSA needs to be investigated and set right. They should not nor be tolerated to interfere with federal law and cost of higher pricers to the comercial driver and the inteterferiance of commence as put forth by the FMCSA and the laws put down by the federal goverment. This problem needs to be addressed and our rights as individuals need to be protected even if we drive the big rigs. We are not cash cows. We work long hours and do not deserve higher rates due to improper reports and disregard to federal regulations put forth by the FMCSA. Recordings avalible of conversation upon request. Yes company was notified about recordings about conversation being recrded to agent and that we were being recroded adout the call being recorded for training purposes. This means both parties have recrdings. My question is can a reporting company get away with false reports just to rip off the customers and when they are confronted they are still allowed to get away with it? Lexus nexus makes us jump through hoops however they seem ( and get away with reporting true motor vehicle reports ) and nothing is done even with there own rules and guide lines. Time for you all to step up to the plate. What lexus nexus is reporting to the insurance company 's needs to better regulated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
OPORTUN INC./PROGRESO FI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear XXXX XXXX Managing Vice President I disagree with the results of the Fraud investigation assessment that was sent XX/XX/XXXX. I previously notified you that Im a victim of identity theft and requested that you remove all fraudulent charges from my account and close the account. I am a victim of identity theft, due to your XX/XX/XXXX website Security breach. I am writing to dispute the following fraudulent charges on my account. I first notified Cap One XX/XX/XXXX of suspicious activity to your fraud agents, who stated the System issued a new duplicate card automatically ( card valid till XX/XX/XXXX ). I objected to replacement card being sent, but told it was already sent USPS, no signature needed. I complied to report Fraud on XX/XX/XXXX. Then XX/XX/XXXX I received email ( attached ) that fraudulent activity was declined for {$3400.00} against account, I immediately called Cap One was told a second charge was being was paid on Card # XXXX for {$2000.00} ( XXXX XXXX ) while I was waiting speaking to agent. I did not make these charges and I have. I request that you remove all fraudulent charges and any related fees from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information to credit reporting agencies ( CRAs ). I have enclosed a copy of my FTC Identity Theft Report and your own emails and phone records supporting my position. I spoke to Frauds manager ( Refused to state her name requested ) who claimed to be final decision maker. Please investigate this attached data and send me a written explanation and judgment of your findings. 

Sincerely, XXXX XXXX XXXX Enclosures : Fraud determination FTC Identity Theft Report Email chains from Capital One XX/XX/XXXX to XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 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: Nelnet, Inc.
State: IL

Complaint narrative:
This student loan does not belong to me Im a XXXX so this is not my debt its saying the account was paid in full but I need it removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Coastal Credit, LLC
State: MD

Complaint narrative:
All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 | Coastal Credit LLC | XX/XX/18 |

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
All these inquires listed below were placed onto my XXXX report without my knowledge and I did NOT authorize my name to be pulled for any of them. Please delete inquiries. 

XXXX XXXX XXXX | XX/XX/18 & XX/XX/18 & XX/XX/18 | Consumer Portfolio S | XX/XX/18 & XX/XX/18 | XXXX XXXX XXXX | XX/XX/18 |

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Thrivepoint Financial Holdings, Inc.
State: CA

Complaint narrative:
Complaint ID : XXXX. See original complaint filed XX/XX/2019 and replied by company ( XXXX XXXX and or Renovate America ) on XX/XX/2019 with a huge lie! They never sent me an explanation of my complaint. My personal information is in their database although they claim to be ignorant of their own database. 
Case should be re-opened since they refused to explain their predatory, abusive, and deceptive business practice. Also their elder abuse exploitation! 
Please review the original complaint XX/XX/19 and the company 's deceptive reply on XX/XX/2019. In the meantime,, they are assessing daily interest and hidden charges on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XX/XX/2019 several applications were run on my credit without my consent

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 2019-10-07 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: MO

Complaint narrative:
Equifax has not removed XXXX XXXX fraudulent account that was opened in my name after numerous disputes. Other 2 credit bureaus have investigated and found the account fraudulent and deleted from my profile after countless disputes and tiresome emails. Ex has been in prison so Ive only been able to get limited information. I filed a stolen of police report after failed attempts with XXXX XXXX to remove my name since I was not involved and provided all information to them and yet it took going to the credit bureaus to remove, again however Equifax has not and now they have stopped me from submitting further disputes on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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 ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any 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 2019-10-07 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 ve check my Credit And there are some fraudulent activity going on with someone using my name. they are opening accounts under my name. I did not authorize any one to use my Identity at any Time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
JJ Marshalls & Associates Reported XX/XX/2019 I spoke with Associate XXXX XXXX and provided him with valid police report and affidavit of identity theft to remove account and he still disregarded the claim and did not take my case serious. I also responded within 30 days of the first initial notice asking for evidence and disputing the status and they still put the fraudulent account on my credit report breaking rules of the Fair Debt Credit Collection Act.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Mid XX/XX/2019 my husband received a letter from our previous lender stating his mortgage loan was being transferred effective XX/XX/2019. By mid XX/XX/XXXX We received a letter from the new servicer dated XX/XX/2019 and I noticed my name on the mortgage letter which had never been previously. The month of XX/XX/XXXX a statement was mailed out and again my name was on it as well. This set off a red flag which caused me to look at my credit report. I did get a couple of emails that were not read earlier but I paid it no attention. ( Previously we tried to refi to combine an 80/20 but were told it failed though due to a high DTI ratio. ) I'm not into debt this high because it's very stressful. This is stress and hard for me to sleep knowing I have this to think about. I like keeping my financials under XXXX. I pulled my credit report and found out this company has taken it upon themselves to add me to a mortgage in the amount of {$140000.00}. Wow this is crazy. Mid XX/XX/XXXX I requested a copy of the original Note and it was emailed. ( See attached ) I later called the customer service department and the did not have a clue as to why my name was added.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: CA

Complaint narrative:
{$1900.00} Ncb Management Services XXXX XXXX XXXX  XXXX XXXX  Due to inaccuracies in these credit reports, ( XXXX  & XXXX ) i demand that the validation i hereby request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally. 
Please be advised that I am request competent evidence that I had some contractual obligation in relation to the tradeline. 
Within 30 days of this notice, either answer these demands or remove the associated negative tradeling notations from these credit reports. 
Continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for formal complaint being filed pursuant to federal statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: IL

Complaint narrative:
This student loan does not belong to me Im a JR so this is not my debt its saying the account was paid in full but I need it removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation