vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX, I mobile deposited a cashier 's check in the amount of {$2400.00} to my SunTrust Checking Account. I later recieved a Notice of Hold letter with the available date of XX/XX/XXXX. On XX/XX/XXXX, the funds weren't available, I called customer service and was told my account was closed and further review of the check was necessary with no timeframe given. I called again in XXXX and XXXX of XXXX and was told no information was available other than the check is still being reviewed and to try calling back in 30 - 60 days. I called in XX/XX/XXXX and was told I needed to contact the issuing bank and request they send SunTrust a Hold Harmless Letter, verifying the check was indeed issued to me, in order for the funds to be released. I contacted the issuing bank on XX/XX/XXXX who informed me that the funds were in fact collected from SunTrust for that cashier 's check on XX/XX/XXXX. I was also told that, the process for requesting a Hold Harmless is to be initiated by the requesting institution. So, in this case, Suntrust would need to directly contact the issuing bank to request further verification, which there is no record of any attempts being made by SunTrust to do so. I've tried to relay this information to SunTrust but the representatives aren't knowledgeable enough to help and I'm told there's no way for me to speak with an actual banker to resolve this issue. Again, this was a cashier 's check, which are guaranteed funds, that could easily be verified with a simple phone call to the issuing bank. Its been almost a year since I made this deposit and the funds have long since cleared. SunTrust has violated my rights as a consumer with this 'indefinite ' hold, even after the check has been paid with no evidence or probability of reversal.

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 2020-01-20 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: GA

Complaint narrative:
I have made several attempts to dispute with XXXX, Equifax, and XXXX under Identity Theft ( FCRA Section 605b ), yet to no avail. As a victim of a security breach I have presented the necessary Law Enforcement documents and Personal Identification documents and yet no response or movement towards resolving the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity was houses XXXX store credit card called my dad on his cell phone today. That phone number 1 ) was never given to them and 2 ) does not belong to me. Why did they call it and NEVER CALL IT AGAIN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-20 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I did not recieve credit for fraudulent charges from XX/XX/XXXX I stopped monthly payments XXXX until XXXX which has not happen yet USAA reported me deliquient They refused to resolve fraud I reported beginning XX/XX/XXXX Executive Resolutions reviewed account responded " You did not report fraud until XX/XX/XXXX '' Enclosed XX/XX/XXXX Statements has 6 Reversed Credits each reference begins F for fraud XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Clearly fraud was reported PRIOR to XX/XX/XXXX for reversed credits to appear already posted on XXXX Statement 1 ) WHAT WERE THESE NEW CHARGES OF REVERSED CREDIT FOR? ( Security of ) 2 ) * How can there be reversed credits IF NO FRAUD REPORTED BEFORE XX/XX/XXXX?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I disputed a charge and chase refused to contract the merchant on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20 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: CA

Complaint narrative:
I contacted Experian to have my social security number fixed since they have a wrong social security number on file under my name. I was told to send a copy of my social security card, a photo ID and proof of address through their online system or by mail. I tried submitting them online and everytime it had a new requirements I must meet ( pdf or jpeg, black and white only, certain size file ) once I completed all the requirements I still got an error message but without any description this time. I tried again a few weeks later thinking something was wrong with the system but I had the same result. 

I sent the documents my mail at the end of XX/XX/2019 with tracking and got confirmation that they were delivered to their PO box in Texas a week later. 
I have called twice since and both times, I was told to wait another week. I called again today and my call was dropped multiple times. I have waited on hold for a total of 6 hours and still do not have a solution. This is ruining my life, I have not been able to start building my credit because it is always been denied, i was turned down for an auto loan because of this issue.

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 2020-01-21 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:
Hello there is an open XXXX account for XXXX $ on my credit. I called XXXX and they say it was opened before I even turned XXXX. Its been in my credit since the day I turned XXXX XXXX XXXX. And this isnt something I wouldve or shouldve been able to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Purchased appliances at Best Buy and was offered the store credit card with a promotional offer of 10 % rewards on the purchase being made that day. At the time of the transaction the employee told me that the rewards could be used to pay the balance of the credit card which turned out to be false. I didn't find this out until I received the statement from the company and called to inquire how I could use my points for the payment. My intention when purchasing the appliances was to pay cash through a debit card and would have never signed up for the credit card if I hadn't been mislead. When bringing the issue up to the credit card company they said that nothing could be done.

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 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
Called on a federal holiday. XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I signed up for the XXXX XXXX card last XXXX, when I signed, the offer is spend XXXX  dollars within 3 months get XXXX  XXXX points. 
So I got the card and fulfilled the spending requirements within the time limit. American Express did not give me bonus points. I called them they said its because I closed my XXXX card within 6 months. But in the XXXX XXXX sign up page, it didnt say someone could disqualify if they closed XXXX card. If I knew it, I wouldnt sign up for my XXXX XXXX card. Its not fair for plain customer. Card number is XXXX. My name is XXXX XXXX, XXXX XXXX number related the card is XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: SD

Complaint narrative:
Credit bureaus have now decided to place accounts on my credit report that dont belong to me and never have. I previously indicated that I have Never had an account with XXXX XXXX XXXX as they have verified that as well on the two occasions I contacted that because a few months ago, the bureaus had these on my credit report, in duplicates with different account numbers so that it look like I have multiple trade lines. A few months ago, the erroneous/fraudulent account was on my credit report twice now, the account has been reported three additional times with three different account numbers. I Never had an account with XXXX XXXX XXXX. If the credit bureaus actually took the contact info they provided on the credit report when they did their so call investigation and called XXXX, they would verify just like they did for me that no such account ever existed in my name. Account number XXXX, XXXX, and XXXX as listed on the credit report are Not mine. Equifax, XXXX, and XXXX XXXX have set up the online account process so that I can not even dispute their errors and XXXX XXXX has been playing that game for years. The sites dont even allow me to reset passwords and after experians site gives me my username, it tells me no such user name exists when I try to reset that password. Equifaxs automated system will take all of your info including your PIN number and after you verify, it will tell you you could not be verified you have to spend ages on the phone trying to get an actual person on the line and when you do, they want you to re-verify all over again and experience phone system is worse good look trying to get an actual person. Last time I called experience, I called a corporate number because none of the other consumer numbers work they just re-route you to the same automated system over and over again and when you get an actual person from corporate on the line, they have a horrible attitude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XX/XX/XXXX of 2019 The Bank put a decline on my account. This was an late payment issue and the bank recognized this on their end because they closed the account then kept it closed when I disputed the issue with a clerk over the phone. They sent me a letter saying their willing to reopen the account but it never removed inquiry revolving in the same issue. It just popped up in the two other bureaus and has greatly lowered my score.

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 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
In XX/XX/2019 my residence was sold and I had to relocate. I gave Kohls a change of address and have not received statements for payment. I went to the store a few times to make payments in person and to get my balance and was not given the correct balance as employees told me they did not have that information for me, so payments made in sotore to Kohls were not sufficient to amount owed, Therefore leading to late payments and insufficient payments being made at each time. I called to dispute this and paid my balance off in full, but was told they could not expunge this from my credit report. Now I am at jeopardy of loosing the loan I applied for purchasing a house for m and my family. I tried several attempts with Kohls via phone, in store and online to resolve this and no one seems to be able to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
QWR NOTICE OF ERROR SETTLEMENT OFFER ENCLOSED WITH SUPPORTING DOCUMENTS SHOWING XXXX 'S STAFF COMMITTING FRAUD AND TRYING TO COLLECT DISCHARGED DEBT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: USI Solutions Inc.
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 Several cease and desist letter sent depending that this debt does not belong and to me and if this supposedly belongs to me please provide a signature of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: MD

Complaint narrative:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

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 2020-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/2019 XX/XX/2019 Several cease and desist letter sent depending that this debt does not belong and to me and if this supposedly belongs to me please provide a signature of validation.

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 2020-01-21 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: CarMax, Inc.
State: OH

Complaint narrative:
I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: MD

Complaint narrative:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

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 2020-01-21 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: MD

Complaint narrative:
Have asked for this information to be verified by mail. As of XX/XX/20, I have not received any information by mail. It have been removed from certain bureaus. Remove from All per FCRA and HIPAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 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: DISCOVER BANK
State: MD

Complaint narrative:
Hello, Ordered glasses from XXXX Order # XXXX. They were not packaged properly and arrived broken. Photo attached. Filed a chargeback with Discover and won. 2 months later, Discover charges me again for the order saying the merchant challenged the chargeback. Discover wanted a tracking number for the return. During the complaint process, neither the merchant nor Discover mentioned returning the broken glasses, since theyre broken. The merchant never even sent a return label for them. So after I won the chargeback, I threw them away. Why would I keep around broken glasses? Where is proof of the merchant asking for the broken glasses back before I won the dispute? 

In a XXXX XXXX XXXX complaint against the merchant, the merchant said they approved the chargeback. I asked for a refund via check from the merchant since Discover isnt refunding me, and they said they could only refund via the method I paid which is with Discover. Both the merchant and Discover are giving me 2 different stories. The merchant says they approved the chargeback whereas Discover is saying they challenged it. 

Attached the XXXX XXXX XXXX complaint. The order number is there, and I have also attached the merchant receipt which also includes the order number. 
Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a hard inquiry on XX/XX/XXXX and XXXX from the same company. I never gave this company permission to do anything. I never talked to them or signed anything. Im asking for the company to remove both hard inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XX/XX/XXXX, I received this msg ; Shellpoint Mortgage Servicing would like to welcome and inform you that effective XX/XX/XXXX, the servicing of your loan has transferred or will transfer from XXXX XXXX XXXX XXXX XXXX to Shellpoint. In my loan modification agreement with XXXX, page 3 ; item C ; paraphrasing, " so long as your modified loan remains in good standing, on the first, second and third anniversary of XX/XX/XXXX, the lender shall reduce the deferred principal balance equal to one-third of that balance. XXXX did the first one-third write-down ( {$37000.00} ). After the loan transfer ; I contacted Shellpoint ( XXXX XXXX ) to request that the second one-third to be written off. Nothing happened. I sent another email XXXX XXXX, XXXX requesting that the balance to be fully written off. I received an email to call XXXX XXXX, which I did ; left a msg ; have not heard anything. I have not been successful at getting Shellpoint to honor this agreement and write off the second and third reductions. This is affecting my credit score because Shellpoint is reporting the mortgage balance with the deferred balance included. I ask for your help. Thanks you.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
According to XXXX is Trans World doing a robocall and never leaves a message but calls every 2 days. If I had a debt there should be mail from the USPS and there never has been. I'd like these calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: IQOR US INC
State: AL

Complaint narrative:
Allied interstate did not send me a letter for allowing me to dispute this against XXXX XXXX that they are trying to collect for! But they will try to say that they did but I never received their collection letter. This is a new trick which collection agencies are pulling to put things on your credit before they send you a letter. I didn't get a letter even after the had placed it on my credit report.

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 2020-01-21 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:
EQUIFAX HAS BEEN REPORTING ACCOUNTS THAT ARE FRAUDULENT AND NOT MINE. I HAVE REQUESTED NUMEROUS TIMES FOR THE FRAUDULENT ACCOUNTS TO BE REMOVED IMMEDIATELY FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation