vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXXXX/XX/XXXXI opened both a Checking and Savings account online with Suntrust. In order to open the accounts I transferred XXXX dollars and XXXX   dollar from another bank. On XX/XX/XXXXXX/XX/XXXXI went to a local branch to add my wife to the account as well as apply for a credit card. We deposited XXXX   dollars into the checking account from an account my wife owns with North Carolina XXXX XXXX XXXX XXXX NC XXXX account while we were there. On XX/XX/XXXX I was informed that my account had been closed and that I would receive a letter detailing why. I called and was told suntrust holds the right to close any account for any reason. The letter that followed explained nothing more than that. I received a letter saying that they were holding all funds for investigation and if any could be returned they would be returned. Both the XXXX dollars and the XXXX dollar checks were returned but the XXXX dollars was still being held. I called again and they stated that I should call the issuer of the checks to stop payment. I called NC XXXX and they stated that the checks had cleared therefore they could not stop payment. I called suntrust back to tell them the NC XXXX  answer and was told that the money was not able to be released because they were holding it for possible reacquisition. I called NC XXXX to see if they could reacquisition the funds to speed up the process and they stated they could not. Suntrust is holding my money for no reason, it is unethical as I have never broken any laws or done anything wrong. I am no longer a client therefore in my book they have essentially stolen my money. We are a young family and I am XXXX   XXXX therefore funds are tight. Please help us.

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 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP
State: PA

Complaint narrative:
I received a credit card from US Bank. I never applied for this card or any card/account with this company.

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 2019-07-22 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: CA

Complaint narrative:
I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KY XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/DEPTOFED, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX.XXXX   XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-07-22 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: CA

Complaint narrative:
I was reaching out because there are still items on my credit that don't belong to me. This has been holding me back from trying to help my mom with her prescriptions and also help her to get a car. Can you please help me and remove these items from my account XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WXXXX XXXX XXXX. There a.re also some inquiries the.ta.re not mine XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
XXXX XXXX still sends incorrect information I was paid in full and closed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc
State: NV

Complaint narrative:
Mid Valley Collection Bureau ( MVCB ) formerly doing business as Professional Collection Consultants ( PCC ) is working on the behalf of XXXX, XXXX who is doing business as XXXX XXXX. 

A party purchased a vehicle from XXXX, XXXX using my personal information in XXXX. I was not notified of this debt or indication that my name and personal effect were associated to it by XXXX, XXXX. XXXX, XXXX, or any party on their behalf, did not follow the law and violated California Code of Procedure 418.10 as I was not served properly at my dwelling house or usual place of abode. 

I was only informed of this debt upon notification of a withholding order from my place of employment, in approximately XXXX. PCC/MDCB has refused to research my statements to confirm the validity of the debt. 18 years later, present day, MVCB has submitted another garnishment based on the invalid judgment that was processed in XXXX. 

XXXX, XXXX XXXX XXXX , the salesman, and the underwriter erroneously issued an auto loan and sought recourse both under fraudulent activity. PCC/MVCB has solicited garnishment of funds under ill obtain methods due to improper service process.

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX  isn't reporting these open acct. One is my mortgage which is with XXXX XXXX XXXX XXXX. Acct # XXXX. Date XX/XX/2019 my credit score drooped by XXXX points. 
My credit card Acct # XXXX XXXX the bank name is XXXX XXXX XXXX credit card isn't even being reported, but have added an attachments to show proof. This is to is not being applied to my credit score. Can you please help me with this problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX/CBNA XXXX I was NEVER LATE on this account. CBNA is reporting multiple inaccuracies on my credit file. I've contacted the credit several times and have yet to receive a response or explanation. 

I have attached my bank statement from XX/XX/2018 through XX/XX/2018. Correct the errors immediately or delete this account off my credit file! 

I've contacted the credit several times and have yet to receive a response or explanation..

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX XXXX still sends incorrect information I was paid in full and closed

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 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have paid the account in full back in XX/XX/2016. but after I have been having porblem on my credit approvals and refused for credit line, loans. I pulled my credit report and I found Synchrony Bank was reporting the account and as charge off and wrong late payments for 2 years damaging my finances and credit score therefore my life. causing hardship. 
As i called to dispute it with credit bureaus requesting removal of the incorrect payment statue and incorrect payments history from my credit report. their response was that they contacted the Synchrony Bank and was verified. 

I m requesting a full removal of the account 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 non-monetary relief
Consumer complaint received 2019-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM A VICTIM OF ID THEFT. THIS IS IN REFERENCE TO EQUIFAX RESPONSE REQUEST ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX XXXX  asking for proof that this account was late during the months that Experian is reporting and they sent a response letter stating that I was NEVER late during the months EXPERIAN is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX 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 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing this to see if someone can help me. i been contacting leasing offices, debt collectors and more pleading my case. i seen years ago i had a apartment show up on my credit report. And once i noticed i submitted multiply disputes to handle the situation and nothing has happened. when speaking to others they have told me there is nothing that i can do and it would remain til i pay it. so for years i done nothing. Then i still tried to apply to apartments and they have all denied me. I cant even get a place to stay so currently i am XXXX. All because of some incorrect information on my credit report. The last time i contacted the apartment people they had advised me that the apartment people no longer own the apartment and they also couldn't help me. i have also contacted the previous apartment company they have not gotten back to me. so now Im pleading my case to you because i need help. Im being punished for something i didn't do. also i asked the credit people what they were using to verify it was me. and they saying that they just matching information. I was robbed years back and they stole my wallet which included my personal items. so i feel someone used it and purchased the apartment..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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:
Fraudulent charges on my account. Accounts I have no knowledge of on account. Tried to dispute them off to be removed but never able to get in touch with anyone or able to login the dispute center. Shared information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX This company hung up on me when I returned the call they left on my elderly family members answering machine. When I asked for information on the debt to be emailed to me, their representative " XXXX '' asked if I realized that requesting that information was an admission of guilt!! Preposterous!!! I have requested this and they have my address and email address and have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
This is the second complaint I have filed, the first was closed due to Chase properly recording payments for all of 1 month. They keep accepting payments but do not credit them to my account and it looks like I am behind on my mortgage. They stopped recording payments on XX/XX/10 with the exception of 1 payment made on XXXX. I am attaching the bank records with the payments made and the bank statements that as you will see don't capture the payments being made 2 times a month. 

Just for clarification, the payment of {$1300.00} that you will see credited on XX/XX/10 was made through a different bank account and is not on the list from XXXX XXXX so no payments since XXXX have been credited. I don't understand why they can't straighten this out!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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:
I contacted Transunion to help me dispute some hard inquiries that are reporting on my credit that were unauthorized and affecting my score. They told me that I need to reach out to the creditors myself which I have already done and am unable to get any assistance that way. I need for the following Inquiries which were not authorized to be deleted immediately of of my Transunion credit file. 
XXXX  XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XXXX XXXX XX/XX/2018 XXXX XX/XX/2018 XXXX XXXX XX/XX/2018 Please have my credit file updated and these inquiries removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Check Resolution Inc.
State: GA

Complaint narrative:
XX/XX/2019 XXXX at extension XXXX of National Check Resolution Inc. left a voicemail on a person that is no longer associated with the business regarding a debt that the business and I have obtained personally and threaten that a asset investigation is on the way, which brought total embarrassment to me and me wondering how she can legally leave personal information about me and my business on someone else 's voicemail. I called XXXX up and told her how can she legally do that and she said because the person was once associated to the business in her paperwork. And then I told her the business was in a legal lawsuit at the moment but I did have an attorney and would be filing bankruptcy because I have lost everything with the business, and she said if I settled today she could take a settlement but if not then as of Wednesday they will open a asset investigation and go after my personal accounts ... I really felt like she was XXXX  me to settle, when I have nothing, and I financially cant settle.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I, XXXX & my wife XXXX XXXX have a family trust A/C. In response to a Written Offer ( Attachment -1 ) from CapitalOne 360 Money Market A/C, we opened an account with CapitalOne & completed the required money ( $ XXXX or more ) deposit on XX/XX/XXXX. ( Attachment-2 ). 

We have spent several hours talking to this Bank XXXX XXXX ) before & after opening this A/C. Depending on who picks up the phone, we get different & varying answers & it is frustrating in the least. I have complained to them both in phone calls & written notes on their web site but none cares or reads customer complaints. They think they are immune from all U.S laws & they are in some foreign land. We have requested the people including Managers that we need something in WRITING from the Bank that we have met all the requirements of 360 MM A/C & tell us when they will credit this A/C with {$500.00} Bonus. If they don't want to send an e-mail to us at least post that info on our A/C page. They are refusing both. When I wrote to them online, the person who picked up said that we are NOT eligible for {$500.00} since we did not include the Promotion Code ( XXXX ), which info have been provided multiple times to those morons over the phone. The offer expires only on XX/XX/XXXX. 

Today again we called Capital One & after spending lot of time they allowed a Manager to come on line. He confirmed that he can see a NOTE on our A/C that we are eligible for {$500.00} ( this info, the customer service who answers the phone CAN NOT see!!?? ).

We have bitter experience with CapitalOne since they refused to give me {$500.00} after 90 days had passed ( XX/XX/XXXX ) & gave me a consolation bonus of {$50.00} only. This is their dirty game plan. Wait 90 days & then show their crooked, ugly face. This is UNACCEPTABLE. If they don't want to send an e-mail to us at least post that confirmation {$500.00} info on our A/C page. 

We are requesting your office to bring this Bank in line with banking norms. Thank you XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
In XXXX of 2018, a XXXX XXXX payment was sent to Ditech Financial Services to catch up the mortgage on the house I am currently staying in. From that point, the normal monthly payment was sent in XXXX. I called to set up for automatic payments to be set up in order to keep the account current so that there would no longer be a payment issue. When I was on the phone with the customer service representative, they representative informed me that the company denied taking any form of payment and would not work with me on making the account current unless I paid for their lawyer fees. I was then told that my money was sent back to me via XXXX XXXX. The money was never returned to me and I went to seek legal counsel. The lawyer advised me not to pay Ditech Financial any more money due to them refusing any form of payment. I have tried to make the account current and I have also tried to guarantee payment through automatic bill pay. The company has refused to work with me and has now decided to foreclose on my home without trying to work with me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 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: GA

Complaint narrative:
This account is reporting inaccurate late payment readings to my credit report. 
I sent a letter to XXXX XXXX XXXX USA asking for proof that this account was late during the months that Equifax is reporting and they sent a response letter stating that I was NEVER late during the months EQUIFAX is reporting to my credit report. I have attached proof of the verified information from XXXX  XXXX XXXX  USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Per the terms of my Bank of America Account. 

HOW WE ALLOCATE YOUR PAYMENTS - Payments are allocated to posted balances. If your account has balances with different APRs, we will allocate the amount of your payment equal to the Total Minimum Payment Due to the lowest APR balances first ( including transactions made after this statement ). Payment amounts in excess of your Total Minimum Payment Due will be applied to balances with higher APRs before balances with lower APRs Specifically the last sentence stating the payments in excess of your Total Minimum Payment Due will be applied balances with higher APRs before balances with lower APRs. 

The statement before this XX/XX/XXXX - XX/XX/2019, I had a balance of {$1500.00} subject to interest and a minimum payment due of {$210.00} by XX/XX/2019. 

During this current statement of XX/XX/XXXX - XX/XX/2019, I made payments of {$6900.00}. This more than covered my minimum payment due and should have covered the entire balance subject to interest of {$1500.00} and some. However when looking at my statement this month it is still showing a balance subject to interest of {$550.00}. 

How is this possible? I overpaid my account more than {$6000.00} and this should have covered any balance subject to interest. I still have other balances on my account that are not subject to interest at this time. 

Please see attached pictures and statements.

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