vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SUNTRUST BANKS, INC.
State: AL

Complaint narrative:
I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the XXXX number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insisted I choose an option, for which none were relevant. I had to hang up and call a second time using the voice commands in order to be able to speak to someone. Once a representative answered ( XXXX, sp? ), I was told that more information would be needed and that they would need to submit a credit application. Before I allowed the associate to continue, I inquired whether this would result in a " hard inquiry '' or a " soft inquiry. '' I was told that consideration for a limit increase would result in a " hard inquiry ''. Therefore, I declined to move forward. I find this practice predatory on consumers. First, the E-Banking specialist should have indicated in his response that SunTrust requires a hard inquiry, especially considering I communicated my concerns. Secondly, SunTrust already has updated credit information pulled monthly, so I see no justification on why they feel it is necessary to pull a new report. They have their own account relationship data, as well as monthly updates on credit reports that can be used to " score '' whether or not a consumer is eligible for a limit increase.

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 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My home was sold and closed via wired payment on XX/XX/2014. However, XXXX of XXXX of the lenders that held my mortgage are currently reporting it as active, and open. Please assist! I have attempted repeatedly twice in 2 years to clear this with dispute and phone call and it is still on my credit reports- XXXX , and Experian. I was trying to get preapproved for a home loan and they made me aware it is still open. 
When I contacted XXXX, I spoke with Agent XXXX # XXXX. She also informed me she could see on their database that the loan showed closed, however she refused to per our request send an manual report- XXXX to correct immediately. Instead, she directed me to submit a complaint for investigation to their email- XXXX, she also took my name, number, and loan # for her manager XXXX to contact me. I am still waiting for that call to correct this issue directly through them. I have attached all information, and I thank you for your help 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 non-monetary relief
Consumer complaint received 2017-03-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!

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 2017-04-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA
State: NE

Complaint narrative:
The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX XXXX XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a teacher with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX XXXX and XXXX XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and first marble head.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Wilber Law Firm, P.C.
State: FL

Complaint narrative:
XXXX has hired The XXXX XXXX XXXX XXXX and other extensions ) to make attempts at collecting an amount they " feel '' I owe them based on their payment to an insured client of theirs. I am not responsible, legally or otherwise, to pay. I 've spoken with them numerous times and have repeatedly asked that they cease communication at once or escalate this matter to a court of law. They have done neither of these things. These attempts and harassing phone calls continue to be disruptive to my daily life.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with XXXX, Transunion, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Wrong address reported on a XXXX 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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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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 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Incorrect information is being reported. Company will not update information in a timely manner despite updates being provided directly from creditor. Credit score does not reflect activity. Company should have a faster process to resolve disputes when consumers are impacted by negative information especially when it is incorrect. Consumers should not have to pay for these services and not be able to receive expedited assistance in emergency situations such as when health, housing and transportation are impacted.

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 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC
State: GA

Complaint narrative:
This is on my report but it 's not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2017, I discovered XXXX under account numbers # XXXX, # XXXX, and XXXX had been re-inserted into my credit file. The accounts were originally DELETED on XX/XX/2017. Experian is required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification.

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 2017-03-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Montgomery & Meyers P.A. Corporation
State: MO

Complaint narrative:
Representatives, Specifically XXXX - Senior Vice President Director Commercial Recovery & Litigation The Offices of Montgomery & Meyers P.A. Corporation, have been harassing me regarding a debt. It began by them calling my XXXX father, they threatened him and tried to get him to pay a bill that clearly was not his. In addition, I have tried to resolve this but they have refused to provide any documentation that they represent the company they say they represent. I asked them to provide the original invoice, they refused. Throughout the process he has been abusive cussing and yelling. Lastly, while speaking with someone else from this office I agreed to pay the bill. When I called back to provide payment XXXX again being abusive refused to honor the arrangement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted investigation request to look into wrongly reported Student loans on my credit profiles with Experian, XXXX, and XXXX. I discovered the error on my personal credit during the application process for employment. Multiple agencies had declined to hire because of credit score and the amount of student loans listed multiple times as defaulted. I reached out to each credit reporting agency and asked for documentation and to investigate in order to clear up the misunderstanding. 

My student loans are all with XXXX and are under deferment and are not in default. During the investigation process, XXXX account XXXX was removed from all credit agencies once the error from the investigation was found, along an apology letter from the servicing agency handling half of my student loans. 

During my request for verification and to validate the information being furnished on my credit, the only thing that occurred was all accounts where updated with " Closed '' since they did not hold nor were servicing my student loans going back almost 10 years, XXXX account # XXXX was not helpful in providing the documents requested nor provided the verification as its still being reported incorrectly under the circumstances in which loans were to be in deferment. I 've made three request total and asked for verification and to request written proof of their finding but was never furnished with any information.

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 2017-03-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC
State: TN

Complaint narrative:
Applied for XXXX dollar loan lende wanted 24 payments of XXXX paid back to them. 
Big rip off over XXXX dollars for only XXXX loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH

Complaint narrative:
on XX/XX/2016 my Social Security Number was used to apply for payday and quick cash loans online. Multiple attempts were made, some were successful and others were not. I have submitted all of the required information to the quick cash lenders and all but XXXX have accepted them and are working with me to clean up this identity theft. Cash Central of Ohio is denying my fraud application even though I have sent them all of the required documentation. their only response is I need to work with my local police. I have obtained a police report and there is nothing else the police department can do because this was an online fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recover, LLC
State: GA

Complaint narrative:
First, This debt is a result of an apartment rental lease, in which my dependent/student niece was only name as an occupant. From day one, I made numerous complaints in reference to bugs, flooding and mold, to name a few. I made numerous calls to maintenance, management and even the emergency line about the flooding. My mother was visiting from XXXX and my niece has both XXXX and XXXX to XXXX ( XXXX ), so it was beyond awful. I had been deceived by the initial walk through as the walls were freshly painted and carpet was new. Once I decided to vacate, I informed XXXX in advance, in writing, with no timely response. Partly due to onsite management changing 3 times within the 3 months of my stay. Once I spoke to management and then upper management at XXXX, I was asked to leave within days, which was not doable. I even tried to pay and assured the company that not only would I pay, Id surely leave the dwelling in better condition than I found it. I have many photos as proof. Not only did they return my final payment to me, They attempted to collect beyond what was due ; dispite the fact that the apartment was rented to an XXXX family ( with whom I visited ), within a few days of my moving, which is illegal in XXXX Once, I received notice from the collection agency ( after it was forwarded by USPS from my previous address ), I responded to dispute the bill via phone calls, email/fax and via their websites ' portal. I made contact with and/or wrote letters of complaint to various governmental agencies.agencies. I have n't heard from them again, until recently ... Rent recovery called my mothers ' house in XXXX in an attempt to reach my niece, who did not sign and has never signed a lease. Since, they have even put the negative debt on her credit report, as well!!!

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
Filled out all required paperwork for loan modification. Sent it within the requested timeframe to USAA and now they are saying they did not get it on time, which is a lie considering the date time stamp on the fax THEY reference shows different. USAA is using bait and switch tactics that are illegal and have cost me lost money due to interest and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
JPMorgan Chase has been our current mortgage holder on our home loan for approximately 2.5 years. We are, and always have been, in perfect standing on our existing loan. 

Our current mortgage is a fixed 4.0 % for 30 years. In XX/XX/XXXX we applied to Chase to refinance our existing mortgage to a 15 year fixed with a rate locked at 2.75 %. The amount to be financed was approximately $ XXXX ; during the process our home was appraised by Chase at just under $ XXXX. 

My spouse and I have perfect credit ( both have scores of ~ XXXX credit score ). Both of us have stable jobs and incomes that far exceed the minimum requirements for a {$2100.00} monthly payment after refinance. 

After nearly 2 months of work to scan in documents, provide Federal tax returns, and numerous phone calls requesting additioanl documentation, we were informed our application was approved by Chase underwriting. We were told a closing date was forthcoming. 

Then silence for nearly 2 weeks ( early XXXX ). We were told that " compliance '' had suddenly denied our loan application. Our loan specialist ( XXXX, XXXX ; XXXX & gt ; ) and her boss ( XXXX XXXX ; XXXX & gt ; ) said our financial standing was perfect and they had no idea why our loan application was denied. 

Both XXXX and XXXX then asked us repeated questions such as : - have you ever wired money overseas? 
- do you have relatives in the XXXX XXXX? 
- have you recently travelled to XXXX, XXXX, XXXX, or similar country? 

The answer to all of these was " No ''. Questions only centered on my spouse, XXXX, and not myself. XXXX is a United States citizen and has only lived in XXXX, Texas or the surrounding area. 

I complained and demanded an explanation. The next day, a person claiming to be from Chase spoke to me and offered no information except to offer Chase apologies for the nearly 2 months of work both myself, my spouse, and the loan origination team put into the deal that was cancelled at the last moment. 

We received a form letter a few weeks later that contained 2 check boxes. NEITHER WERE CHECKED. This letter, which I will provide a copy to you, violates what I understand to be the law : the lender must indicate SPECIFICALLY why were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: Veterans Relief Services LLC
State: MD

Complaint narrative:
A company called XXXX XXXX is calling asking for self reporting information under the umbrella of the Veterans Approved Act. They are calling as a third party on behalf their " preferred lender ''. Passing information to XXXX ; quoting rates and closing costs without making application. XXXX XXXX direct dial XXXX fax. They are collecting data for the creation of a loan application without being a LICENSED mortgage company. I have requested NUMEROUS times that they remove me from their calling lists to no avail, therefore I have decided to gather more information from them in the hopes that your group will take action to ensure that NO other Veterans and their families are swindled by the group and the lenders that the refer to.

Company response to consumer: Untimely response