vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Sterling Infosystems Inc.
State: DE

Complaint narrative:
On XX/XX/2019 I called Sterling XXXX ( XXXX ) to request my consumer report. Customer service rep kept saying I needed an order ID or company name. Nowhere on their web site does it say I need this information : XXXX XXXX XXXX I was unable to request a consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: TX

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: DC

Complaint narrative:
On or about XX/XX/XXXX, I called Citizens One Home Loans to inquire as to why my home loan was still being charged Private Mortgage Insurance as the balance as of XX/XX/XXXX was {$580000.00}. When my current home loan was consummated in early XXXX, the appraised value of my property was {$750000.00}. My loan-to-value as of XX/XX/XXXX is approximately 77.6 %. I received a voicemail from a XXXX in Citizens One Home Loans PMI Team who is requiring documentation indicating that there has been no decline in home value. This request appears to be in violation of the Homeowners Protection Act of 1998 's Termination of Private Mortgage Insurance ( 12 US 4902 ) provisions. I have not been late with a mortgage loan payment since the loan was consummated in early XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: WI

Complaint narrative:
American Express offers XXXX miles for referring a friend to apply for a credit card. I referred 2 people, XXXX XXXX XXXX, XXXX, WI ( now XXXX, WI ) and XXXX/XXXX  XXXX, XXXX, WI who both got their cards in XXXX. The miles are supposed to be credited in 6-8 weeks. It has now been more than 13 weeks.. When I told them about it, they wanted 6-8 weeks more to resolve it and also suggested that the people may not have applied through the appropriate link when I KNOW that they did becuase I was right there when they did it. So I know they did it correctly. In one case, they may have been directed that they had to call in. But they started out through the required link. This is looking like a scam. I request the XXXX miles be credited ASAP. I also referred another friend, XXXX/XXXX  XXXX and I don't want issues with those miles not being credited timely either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: IL

Complaint narrative:
Company has entered a collection account on my credit report and I have advised and provided proof that debt is not mine. I am also receiving threatening calls from an attorneys office associated with the collection company. Both continue to call and threaten to sue me for a debt that is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/2019, several fraudulent charges were billed to my account. 2 were picked up by the credit card company. Payment was refused and the charges removed. 3 of the charges to the same company in XXXX XXXX remained on the account along with associated foreign transaction fees. I have talked to supervisors 3 times about removing the charges. In each case I was told they are still investigating the charges but refused to credit the account.

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 2019-12-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.

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 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ALCHRO INC.
State: FL

Complaint narrative:
This kind of account is placed as a Collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: KEYCORP
State: OH

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX Key Bank charged me 10 overdraft fee 's at the rate of {$38.00} each totaling an amount of  {$380.00}. This amount of charges are in error as all funds for posted transactions were available and I have not overdrawn such account. On XX/XX/XXXX I was charged XXXX dollars for a XXXX ATM Fee which is valid however started the spiral of overdraft fee 's and the unethical practice of fee-ing on a fee. In addition to such Key Bank also used a posting order to negatively impact such account. The amount of {$380.00} should be credited back to the account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
Contacted the debt collector and made them aware debt is not mine. Disputed the account with company and the account is still on my report. This is affecting my credit report and preventing me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: IN

Complaint narrative:
On XX/XX/2019 i borrowed money from Checksmart in XXXX ohio. The entire process was odd. The amount i received was {$280.00} and the payback amount was {$330.00} which was due XX/XX/XXXX. I paid the amount off in full on XX/XX/XXXX & decided never to borrow from that company again. Today XX/XX/2019 i had a missed call from Checksmart so i returned the call. At XXXX i called the XXXX   number and XXXX answered the phone. She informed me she was calling to remind me of my payment due on the XXXX. I asked what payment? She then proceeded to tell me that i owe {$25.00} a month for the next 12 months for an open line of credit of {$400.00}. I was baffled & shocked. I told her this is the 1st im hearing of this and that i borrowed one time from their company and paid the amount off in full. I dont owe them anything. It was one transaction that is over. She said its like a credit card that charges monthly fees and i told her i dont have any of those and i didnt agree to this and i dont owe them anything. She said theres a {$10.00} credit investigation fee and its included in the monthly fee. I told her i dont owe them anything because i paid everything off in full. She then asked when and how i would pay the monthly fee ... i said im not and i was contacting an attorney for fraud. I then found your website and began filing this complaint. This is absolute fraud and some odd extortion. I never agreed or wanted any of the things their saying i owe. I went there one time and paid it off in full. I decided not to borrow from them again because the whole process on XX/XX/XXXX felt shady. I can see now that shady feeling was well founded. This is a scam company and i cant even imagine how many other people they are robbing. It is fraud and theft. I look forward to hearing back from you. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Credit Bureau, Inc.
State: FL

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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 2019-12-02 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: TX

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Johnson Mark LLC
State: UT

Complaint narrative:
" New Issue '' Obtain police report from XXXX police department ( XXXX ) XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding XXXX XXXX to this complaint as you stated XXXX XXXX hold responsibility for taking exempt funds. XXXX XXXX can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: FL

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX  Experian XXXX  Suppression Request To Whom It May Concern : 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. 
-XXXX XXXX XXXX XXXX- XXXXXXXX -XXXX  XXXX/XXXX XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXX- XXXX XXXX/XXXX- XXXXXXXXXXXXXX XXXX XXXX XXXXXXXXXXXXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information. 
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : * Please remove allnon-account holding inquiriesover 30 days old.

* Please add aPromotional Suppressionto my credit file.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above. 

This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.

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 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
This kind of account is placed as a collection account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MI

Complaint narrative:
Collection placed by XXXX XXXX in XX/XX/XXXX. The phone did not work in rural area, I was alone with no service on my cell. XXXX was the only service that worked. XXXX agreed to not pursue the remainder of the contract, they sent it to collections after agreeing not to pursue the balance. The collection agency is reporting it as of XX/XX/XXXX, this is from XXXX. It has hurt my credit rating several times when applying for loans, higher percentage of interest. The collection is going to be removed XX/XX/XXXX due to the expiration of 7 years on a credit report. I contacted the collection agency over the report in XX/XX/XXXX so they changed the collection to read it was opened in XX/XX/XXXX, this is from XX/XX/XXXX. I have been with XXXX XXXX since XX/XX/XXXX due to this cellular not working. This has stopped me from applying for a mortgage to get a new home. I tried to reduce the rate on a current loan I have and due to this collection report incorrect, it was denied. I cant apply for any loans till after this is removed. I have talked to several XXXX customers and this company is ruthless in sending out collections for a product that doesnt work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
" New Issue '' Obtain police report from XXXX police department ( XXXX XXXX XXXX in regards to this XXXX XXXX fraudulent debt. My name and information was improperly used to obtain credit by unauthorized individuals. Police report # XXXX. I am adding Wells Fargo to this complaint as you stated Wells Fargo hold responsibility for taking exempt funds. Wells Fargo can verify the source of income in my accounts are from Social Security funds. All funds must be refunded promptly. Follow the LAW.

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 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Bank of America # XXXX is reporting an account to my credit that is past the Statute of Limitations in California. I no longer legally owe this debt and I need it removed off of 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