vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: MI

Complaint narrative:
SUNRISE CREDIT SERVICES is listed on my credit report and is not licensed in the state of Michigan. Legally to collect they have to be licensed this company will have to remove this debt from 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 2020-09-17 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: SIMMONS FIRST NATIONAL CORPORATION
State: MA

Complaint narrative:
On or about XX/XX/20, I used my Simmons Bank credit card to make an online purchase a {$74.00} item from merchant named XXXX XXXX. 

On or about XX/XX/20, the item had not yet arrived and the seller had not responded to requests for an update, a complaint was filed with Simmons Bank. Case #  XXXX. 

Sometime near XX/XX/20, a letter was received from Simmons indicating they did not believe a billing error has occurred. This finding was based on tracking documentation - a copy of which they included with the letter. 

Upon receipt of XXXX letter and upon review of the documentation it was clear the shippers documentation indicated the item had been sent to an in XXXX, CA, the other side of the country from where I live. 

I called the dispute resolution department and provide documentation proving my shipping address was NOT XXXX and the supposedly the case was reopened. 

Several calls over several weeks asking for updates, etc. finally resulted in being told It is too late the case is closed!!! 

Attempting to escalate the issue, I requested to speak to a supervisor and was told that one was not available and I would be called. 

No call came and the next day a supervisor was still not available and I made an appointment to receive a call the next day. That call did not come and I called again. That call resulted in a promise that a supervisor would call before the end of the day. 

No return call has been received.

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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access 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 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX did not have authorization or permissible purpose to access 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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Filed dispute for a transaction that was a Billing error. I was charged for a transaction that was cancelled because showed as declined. After I filed dispute waited >90 days with no results. When I asked for an update customer service at bmo Harris bank said they can only send an email to investigator no phone number I can call or they can call. I requested for at least a provisional credit because following federal law EFTA I should have at least received a provisional credit after 10 days. However customer service rep responded by stating they considered my dispute a courtesy dispute even though I told them no, its a billing error therefore Im protected under EFTA federal 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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
To whom it may concern, On XX/XX/2010 around XXXX XXXX I went to my SunTrust Bank ( XXXX, VA branch at XXXX XXXX XXXX XXXX to deposit the money collected by my XXXX years old son over one year to buy his own laptop. The money were {$470.00} in cash and {$93.00} in coins. The bank door was closed due to Covid-19 so we went to drive through that was open at the time. I sent the {$470.00} and half of the coins ( i.e. they were heavy ) in the tube and told the teller that I am going to send him the rest of the coins in another tube in addition to my ID. The teller asked that I come inside the branch, better than using the tube system. 
My son and I went inside and started working on the coins to be put on the appropriate coins paper rolls. I had to leave the bank to pick up something else from a nearby store and asked my son to complete the deposit. I came back in 10-15 minutes and called my son to come out after he finished the transaction. My son didn't have the deposit receipt and when I asked him, he said the teller told him that you will see your deposit on line after a few minutes. 
I checked my account on line and there was only {$93.00} deposited ( i.e. the coins only ). So I called the teller to ask about the {$470.00} cash, he said that he didn't see them and he will check his drawer and get back to me. I had to call him again to find out that he didn't find the money as he claimed. I called his manager as well and customer service and filed a complaint to investigate their Camera system hoping to find a resolution but I have not heard back from the bank as promised by its manger. After a few days, I called the bank 's main headquarter in XXXX, GA and filed another complaint. Three and a half weeks later there is no definite answer or a timeline that this issue could be resolved. I am really upset and frustrated from the way this bank is treating me and how they are handling this issue in a careless and not timely or professional way. 
I am hoping that your bureau can assist with this situation. Thanks

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 2020-09-17 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I consulted Citizens Bank website after being on hold for too long when trying to call them, and found that I would not be charged for a stop payment fee based on my type of account. I processed the stop payment and was then charged. When my wife called she was told that the account was a " different type behind the scenes '' -- whatever that means. Please see attached for proof of account type an, their web info that we won't be charged and the charge to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: NJ

Complaint narrative:
XXXX A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX  with an account number they also called a member in my household their cell number which I have no clue how they would even get that number it has nothing to do with me. I want ugly this was right after I did my census I truly hope that is not the case. A few times and left voicemails and I deleted them knowing I dont owe anyone money. XX/XX/XXXX they left another voicemail with a website that you cant even open which I XXXX with an account number they also called a member in my household on their cell number which I have no clue how they would even get that number it has nothing to do with me. Ironically this was right after I did my census. I truly hope that is not the case case. When I found out they called someone in my household on their cell not knowing how on earth they couldve got that number so I contacted them immediately and they would not give me any information a woman answered who sounded very unprofessional when I wanted information as to what it was in reference to she wanted personal information first to verify myself when I asked her why she called somebody else on their cell phone and how they got that number, she hung up on me its a recorded line so if someone gets access to that that can be proved. The phone number listed did not match the phone number for the company website.Im on my XXXX  once a week I have no collections I never received a collection notice letter Im very confused to all of this and its very unsettling. Im in hopes protecting myself as a citizen will help me I have that right.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/2020 a dispute was entered for the amount of {$53.00} for the XXXX XXXX of on my credit card with Navy Federal Credit Union. The items ordered were 3 XXXX XXXX, 100 % human hair, 1 donor XXXX XXXX. What was received was 2 alike XXXX XXXX not ordered and synthetic XXXX XXXX. With no lace frontal at all. On the dates of XX/XX/2020, XX/XX/2020, and XX/XX/2020 I called to reference claim number : XXXX. On the date of XX/XX/2020 I called the customor service number at XXXX and got XXXX no reference number or specific employee identification could be provided. He ( XXXX stated ) that employee id information could be given to me. I then asked for him ( XXXX ) to e-chat his supervisor. I was then told there was no one else I could speak with other than him ( XXXX ). He then began to say he did have a supervisor XXXX that wasn't willing to assist with the matter at all. As of XX/XX/2020 dispute has still not been assigned to an investegator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

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 2020-09-17 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft.Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 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: GA

Complaint narrative:
THE INFORMATION LISTED SEVERAL ACCOUNTS WERE OPEN FRAUDULENTLY SUCH AS LOANS, CREDIT CARDS, CELL PHONE ACCOUNTS SOMEONE USED MY IDENTITY USING MY SOCIAL SECURITY NUMBER AND ID TO OPEN THESE ACCOUNTS THAT DO NOT BELONG TO ME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of 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 2020-09-17 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:
To Whom it may Concern My Name is XXXX XXXX it Appears, that there some issues going on with my credit. I check my Credit and i notice theirs an XXXX XXXX on my credit. this Account Does not Belong to me, which is reporting that its an open Account on my credit. I called XXXX XXXX and i spoke to an Representative and they told me that I'm not on that Account they Also told me that I would need to contact the credit bureau to assist me with having this Account Removed From my credit Please Remove this account off my Credit Account due to fact this Account does not belong to me thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: GA

Complaint narrative:
My phone rang at XXXX XXXX with a number that i did not recognize. I did not answer and sent the number to voicemail. Again at XXXX my phone rang again with the same number ( XXXX XXXX ). I answered, thinking that it was an emergency, and it was a collection call from Global Radius Solutions. They were attempting to collect a debt and informed me that the call was being recorded. I asked to speak to a supervisor and was placed on hold. When the supervisor answered i informed him that calling back to back was harassment. The supervisor continued collection activity, and would not acknowledge the company 's wrongdoing. I informed him of my lawyer 's phone number ( incorrect number given on accident ). He eventually acknowledged my complaint and stated that i would not be contacted again. I called back again to give the correct phone number for my lawyer and was recorded in doing so.

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 2020-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: MD

Complaint narrative:
This is the letter I sent to them XX/XX/2020 which explains my problem with them. 

XX/XX/2020 Caliper Home Loans Re : Loan # XXXX Re : Refinance Loan # XXXX Dear Caliper, This is in regard to a Loan Refinance we were offered XX/XX/2020. I was told we qualified because we had not been late for over a year. Interest rate would go from 4.75 to 2.75. Great. 
What this refinance would do is not only give us a mortgage payment of {$500.00} less per month but would also give us a free month before our first payment. Because of the Covid19 Virus prices and expenses have risen dramatically. We also had family that was hit hard and did not received income for a while. 
And because we knew we were going to get refinanced, we sacrificed our emergency money to help them. We would have a month grace period before first payment so we would be able to take that months payment and put in the bank. We would have our emergency funds back. Also with a {$500.00} less a month payment it would allow us to save. Finally getting something that would help us maintain our finances. But that did not happen. 
We were shooting for an end of XXXX closing date. All papers needed for closing for the title company did not happen until mid-XXXX. Ok no problem. We close end of XXXX. That did not happen because it was discovered that another document needed for closing had not arrived. My loan processor told me that she was told it was supposed to only take 15 days to get this. As far as I know they are still waiting for this to show up. 
So now we get to XXXX. Still no word on a closing date. Then our family had an emergency that made us late on our XXXX payment. Had AC repairs that had to be paid. If the refinance had closed not only would we have not been late, but we would have had our emergency funds back. 
Then I get a call from XXXX XXXX XX/XX/2020. I thought finally getting a call about a closing date. Instead all we got was Oh! We see where you had a late payment for XXXX so we cant give you a refinance now. What! We should have closed on this loan in XXXX or XXXX. We started this process XX/XX/XXXX. We were not late for XXXX or XXXX. And even with a late XXXX payment, all you can tell me is Sorry? What I expected is you to tell me that although we were late for XXXX and the document we needed to close should have been here a month ago, we are not going to hold that against you. We can still close on the loan. 
A lot of companies including yours makes statements like, We Are Here to Help You. Well this was the help we needed. And as far as I am concerned you failed us. 
The only thing this almost refinance managed to do was put us back in a late status. Thanks a lot. 

XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX, MD XXXX XXXX Cc : HUD Cc : CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is XXXX. They give XXXX  XXXX  XXXX and not XXXX. Wells Fargo also give XXXX all the loans. My credit score is over 700 and I wanted to do debt consolidation and the XXXX  XXXX  loan supervisor talked to me like I was slow. Wells Fargo is very XXXX

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 2020-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
Dear Consumer finance team, We have had a conventional loan for our property in XXXX, TX since XX/XX/XXXXwith our lender, SWBC mortgage. We were never late on payments and in XXXX we took advantage of the CARES act forbearance plan, as provided by federal government. 
This was due to financial hardship and thankfully, we were able to resume monthly payments in XXXX and we were current ever since. 
Because we have been paying PMI on our loan since XX/XX/XXXXand since our home value has increased substantially, we asked SWBC for the PMI to be removed but were told because we took advantage of the CARES forbearance program, our payment is considered late in XXXX and that we no longer qualify for PMI removal, despite our good payment history and despite the property value increase. 
We find it to be very unfair to be put into this position because according to their assertion, we may never qualify for PMI removal since the CARES act caused a late payment in their system. 
I tried numerous times to reach out to the SWBC team to find a fair solution to this, but unfortunately, no one could help me with my ask. 
The COVID pandemic was not our fault, and I find it unfair to be penalized by my mortgage company for something that is an act of XXXX. 

I really hope you can help me with finding a resolution and thank your team in advance.

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