vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
I opened 2 business accounts in XX/XX/XXXX at SunTrust. While in the process of transferring money from my previous bank, I tried to access my account online but was unable to. I contacted XXXX XXXX, Branch Manager in person, and he pulled up my account and stated that my account had been CLOSED but could not provide a reason. He told me that I should not attempt to try any transactions for the next 5 days. Which I did. He stated that then after 10 days the bank would send me a check to close each account. The dollar amounts are in excess of {$46000.00} in my combined accounts. 

I have communicated with XXXX weekly and still not get any relief. I attempted to contact XXXX once again on XX/XX/XXXX. He was unavailable and off property. He left me a voice mail providing me with the fraud departments phone number which I called on XX/XX/XXXX only to be told the number was an inhouse number and they could not help me. I was then transferred to the personal banking center, which they stated they could not help me either. I was then transferred to the small business center. 

I told the phone clerk about the situation and provided all account information. She stated that she could not help me but would contact a person in the appropriate department that could. I said great I will wait to be connected. She then stated that I was not allowed to speak to them!!!!!!! 

She eventually came back online and told me that the account was not closed but under review for referral, but I could not transact any business. So, I said in other words it is closed. She said n. I said then I want to close the account at a local bank. She said she did not know if that was possible! 

I went back to my bank only to be told that XXXX was off property once again in a managers meeting. I said where is it perhaps they could help me. She stated that she would not tell me. I then went to another bank location, you guessed it in a Managers meeting. 

I believe SunTrust is attempting to fraud me from my money. They have been totally uncooperative, uncaring and have stalled over and over. They have not been forthcoming having never officially notifying me the status of my account. Is it closed or not? 

The lady on the phone did inform me that I was being sent a check for {$200.00}. This bank needs to be investigated ; can someone tell me how to proceed to recapture my money which has been stolen from me. 

Thank you XXXX 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 2019-10-17 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 — Investigation took more than 30 days
Company: LEXISNEXIS
State: NY

Complaint narrative:
Under FCRA I have the right to receive a copy of my file with 15 days of requesting said copy. On XX/XX/2019 LexisNexis Risk Solutions received my valid request for a copy of my report. After numerous requests both written and verbal they have yet to provide me with a copy of the report. They claim they mailed the report to my previous address. After I discovered that in a phone call with them they promised to investigate that error AND provide and send a new report to my correct address. That was on XX/XX/19. I was told today that report has still not been mailed to me making it over 30 days without a report. According to your website I have the right to my report within 15 days. Please investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have a line of credit in the amount of {$1000.00} with XXXX XXXX. I am a long standing customer as well as my husband as his business account are with XXXX ( was known as XXXX XXXX XXXX as well as my accounts as well. A couple of months ago the amount of {$140.00} was used from the line of credit on one of the accounts. I don't know if it was an over draw or what. The bank sent us a bill and I gave it to my husband and he forgot to pay it. It was an oversight. When the bank sent a second notice, he went in and paid it and the account was paid in full and up to date. In the meantime, XXXX reported this to Equifax with a statement that my account was suspended and closed. I was so upset. I went into the bank and they were not helpful. Even though it was an oversight and I never had a late payment, they said that I would have to take that up with Equifax which I know can't do anything about it without XXXX getting involved. My account is open and active and XXXX would not even send an update to Equifax and XXXX to tell them that the account is open and active So now on my credit report this untrue statement will remain for 7 years. I have worked extremely hard to keep my credit rating in good standing and now this is on there and it isn't even true as of XX/XX/2019. I never have had a late payment on anything. I am surprised that they did this and more unhappy that they will do nothing to update this so it doesn't show a closed account on my credit report. 
I filed a Complaint with Equifax but without XXXX cooperating, nothing will happen Hopefull your agency will be able to help me so that I will not have to have this blemish for 7 years on my credit report.. 
This is not how to treat a long standing customer. 
Thank you for your time. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: NV

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
On Thursday, XX/XX/XXXX, I decided to change my loan repayment plan from income-driven repayment ( IDR ) to standard repayment. I wasn't able to complete this change on the website and was directed to call customer service. I told the representative that I'd like to adjust my repayment from IDR to standard and she proceeded to immediately read me forbearance terms to agree to. I paused her to understand why she's reading this because I'm not asking for forbearance and she asked, do you not know what forbearance is? I replied something along the lines of, yes, I do know but I'm not clear why I would agree because I am able to pay my loans. In fact, through the new plan, I would be paying more per month in order to repay my loans faster. The statement that stood out the most and was definitely not true for my situation, " I am not required to make payments of loan principal or interest during my forbearance, but interest will continue to be charged on all my loans. '' I clearly never mentioned anything about not being able to pay. Since I was aware of the lawsuit I continued to ask questions until she very quickly shifted gears and said, " would you like to proceed without forbearance? ". Clearly, my answer was yes. However, she didn't make that an option. I felt very misled during this discussion and imagine that many other borrowers just say yes. This is morally wrong and an obvious attempt for Navient to take advantage of and make more money from borrowers. Additionally, I haven't reapplied for IDR since XX/XX/XXXX and somehow I'm still enrolled even though they threaten removal from the plan if the application isn't complete. I've received a few emails that are inaccurate as well stating that my monthly payment will increase to $ XXX.XX if I don't reapply for IDR. That number provided wasn't any higher than what I was currently paying. Again, another example of Navient 's deception and ability to cause confusion. Last, I had to pay {$5.00} to switch planswhy?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TCF NATIONAL BANK
State: CA

Complaint narrative:
This is regarding a checking account I opened with XXXX XXXX in the beginning of XX/XX/2019. I opened the account online without any issue and paid the minimum deposit ( {$25.00} ) immediately. Over a month went by and I hadn't received my debit card in the mail so I contacted them only to fin out the account had been closed. While this struck me as strange, I didn't protest as their customer service and general apathy up to this point left me feeling content to sever the relationship. However, 2 unresolved issues arose from this : A ) They confirmed my account was closed on XX/XX/2019 yet did not return my balance I had from the minimum deposit I made and they still haven't nor have they expressed an intent to even though as I understand it they are legally obligated to do so. And B ) I happened to have requested my XXXX report at the time all this was happening and it seems TCF reported my account to XXXX as " closed for cause '' which is a serious thing to add to someones XXXX report, when I asked TCF about this they claimed they don't know anything about it nor how to fix it nor why this report was made. Keep in mind, I had NO ACTIVITY on this account other than opening it and giving them the deposit which they have thus far absconded with on TOP of damaging my XXXX report which consequently cause my checking account at another financial institution to be closed which incurred significant damages to my professional, personal, and financial well being. Again, ZERO transactions, no interaction with the account in any way yet they file this obviously fraudulent report at my expense, and withhold my remaining balance for no reason. I contacted customer service 8 times now via phone and email and they either pretend not to understand me and just yell over me, or claim there is nothing they can do. Please help. I very much appreciate your attention to this matter and am happy to provide further documentation of these events upon request. 

Regards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BBVA FINANCIAL CORPORATION
State: MA

Complaint narrative:
Trying to close my BBVA Compass account but can't find any way to communicate with the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I signed up to use the services of a company, when I did not receive responses from the company to evidence that they were providing the service, I filed a fraud complaint with Wells Fargo ( XXXX ). My fraud complain was closed. I contacted Wells Fargo and they provided me documentation for the decision to close the fraud case and the documentation that they presented was the original contract that I had with the company. I am not and did not dispute having a relationship with the company, I am disputing the fact that the company did not provide the service that they advertised. I know that they do not guarantee results, but they should be able to provide some form of evidence that they were doing something on my behalf.

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 2019-10-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
As of XX/XX/2019, I have been trying to work with my mortgage company on extending my deferment for the past several months. I gave them my military extension ( amended ) orders and requested to extend my deferment in a timely manner. Ive also provided them a copy of the new California Amendment with an effective date of XX/XX/2019, which doesnt require to get a JAG Court Order but they keep beating on my head that I do. I told them numerous times that this new amendment covers 180 days within a 365-day period.  I have been on XXXX XXXX for two years without a break in service. I am also waiting for another military extension ( amended ) orders to continue my medical care and treatment for my injuries I suffered in the XXXX XXXX. All I am asking them is to please extend my deferent for six more months not the entire duration of my current XXXX XXXX. I have also requested numerous times for them to provide me via email or mail what they need so I can give the information to the JAGs Office but I keep getting the same phone conversation that they cant. I finally contacted JAG for assistance. The JAGs Office and I placed a three-way phone conversation to the mortgage company but to no avail he couldnt convince them that the JAG Court Order doesnt exist for what I am requesting. Now, I am here filing a complaint. Please help me resolve this matter. Hopefully with your help, I am granted the additional six-month deferment I have been requesting.

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 2019-10-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AZ

Complaint narrative:
After getting a response from LoanCare where they offered a solution to this issue, I attempted to call the individual in charge of this inquiry, XXXX XXXX XXXX. She listed her number and extension as ( XXXX ) XXXX ext XXXX. This extension, according to the automated phone service they use, is not a valid number. In effect, LoanCare is impossible to reach. 

Furthermore, XXXX XXXX never addressed the two letters I received from LoanCare, where they admitted to having received the partial payments I made, and they clearly stated they would bring my account current. 

I went ahead and made a double payment in XX/XX/XXXX of this year in an attempt to bring my account current, but because the partial payments were not applied to my account in the appropriate manner, LoanCare did not consider this amount to be sufficient. 

LoanCare asked for {$270.00} in XX/XX/2018 to bring my account current, as this would be used in conjunction with the partial payments of {$650.00}. and the unapplied funds of {$490.00}. As it stands, the {$490.00} LoanCare had listed is unaccounted for in the payment history supplied by LoanCare. 

I have mailed through priority mail the {$340.00} LoanCare requested to bring my account current. I am putting this piece of information here to document what I have done, in the instance that these funds are also not applied. To reiterate, if these funds are not applied properly and are not used to bring my account current, this would be the second time money paid to LoanCare has gone unaccounted for.

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 2019-10-17 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: NV

Complaint narrative:
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.

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 2019-10-17 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: NV

Complaint narrative:
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.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
On XX/XX/2019, I attempted to open an account due to information obtained from : Early Warning Services , LLC, Attn : Consumer Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX, it was denied. I faxed correct forms and 2 ID copies to this agency on XX/XX/2019 and received confirmation it was received. They only ask for one, but I furnished them with two IDs. They have refused to furnish me with my consumer report claiming ID was not readable. I have an exact copy from the fax machine showing both IDs are clear and legible. This agency wants to report something negative to the bank I attempted to open an account with no regards to the consumer and no verified proof the information they are reporting is correct and has failed to allow me to obtain a copy of what they are reporting so it can dispute the information. THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!!!! Such agencies are allowed to report anything they want on a person with no regards as to how it effects people. The consumer is required to jump through hoops to protect their rights while this agency reports inaccurate information. The burden of proof and the effort involved to correct errors is ridiculously placed on the consumer while agencies report whatever they want!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: LEXISNEXIS
State: TX

Complaint narrative:
Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, XXXX and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17 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: TX

Complaint narrative:
Earlier this year I found out that I was a victim of identity theft. I notified the authorities, the FTC, XXXX, XXXX, Experian and also filed a claim with the CFPB in reference to the fraudulent accounts that had been applied for and reported to my credit profile. I have recently noticed additonal accounts that have been fraudulently applied for and that are reporting to my credit profile. I have also noticed additional attempts to obtain fraudulent accounts in the form of credit inquiries on my credit profile. I am extremely discouraged by this situation and feel helpless because some criminal has access to my personal information and at any time can use it to commit criminal activity. This activity has caused me anguish and torment, knowing that no matter the efforts I put into remedying this situation it can all be wiped away with another additional fraudulent act by this criminal.

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 2019-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Filed a claim on XX/XX/XXXX, same day as the transaction appeared on my acct, they provided a temporarily crdit, XX/XX/XXXX they pulled the money out of my acct with no notification or a letter saying they denied the claim, was not aware of anything at all. Had to check my acct 2 weeks later and noticed that my money was gone, called the company and said that there was not an urgency in filing the claim, which I filed it the same day. No one emailed me or call me in regards to a suspicious transaction, I faxed them a letter stating everything again to re-open the case and to get my money back, been with chase bank for years and never got an issue like this. Just trying to get it resolve as soonest possible. Faxed them the letter last Friday XX/XX/XXXX19 to reopen the case. they have my address so the concern of them not sending me the claim letter to notify me, just pulling my money and never send an alert for transactions got me mad, because it was set up to notify me for transactions over {$150.00} how I had it before and I didnt, the ammt was over {$2000.00}

Company response to consumer: Closed with explanation