vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Never received letter from debt collector and found out about alleged account via credit monitoring service. I called to request validation and was hung up on. I sent a validation request as soon as I learned of account via regular mail and never received a response. I re-sent the letter again both via regular and certified mail ( 30 days after original mailing and no response ), confirmed that they received it, and have not received a response for well over 30 days after receipt of second, certified request. Debt collector is in violation of the FDCPA and I reserve all rights to seek damages under the FDCPA, for defamation of character, and all other avenues available by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. <P/>After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. <P/>I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. <P/>I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. <P/>I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this 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 monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Capital one hired Lvnv funding llc XXXX XXXX of Nevada to collect XXXX the was discharged but XXXX XXXX kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote XXXX XXXX and know XXXX XXXX is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX . I never had a account with Lvnv or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by XXXX XXXX to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess . There is a file XXXX # XXXX I never opened new account with this company I called and XXXX XXXX once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old . Thanks you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: NY

Complaint narrative:
The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my equifax credit report it lists at XXXX XXXX XXXX. There is no contact information for this creditor on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The name of the bank is suppose to be XXXX XXXX XXXX XXXX instead on my XXXX credit report it lists at manufactures and trades. There is no contact information for this creditor on my XXXX 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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A computer glitch was transunion 's problem-not mines- caused my inquiries was deleted. Transunion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted transunion in good faith to ask them to delete the inquiries that they had illegally re-added. I spoke with XXXX XXXX @ XXXX XXXX on XXXX XXXX, 2017 he told me that the department was closed that handles that problem and he did n't have to give me his ID # that his name was all the information I needed. These inquiries add a hardship and that my rights were violated by transunion.

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 2017-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
The last time I can account for having my Bank of America Card ( BOA ), in my possession was for a purchase at XXXX XXXX, the date on the BOA statement shows XX/XX/XXXX. Please note, I never maintain large amounts of money or transactions in this account. On XX/XX/XXXX, I used my XXXX to make a mobile deposit of {$84.00} ( escrow refund ), I did not need my ATM card for this transaction, so at this point, I had no ideas it was missing. On XX/XX/XXXX, I went to my online banking to verify my balance before making a purchase, and my password was not recognized, I called customer service and learned of strange activity on my account which was four checks in my name, and my name fraudulently signed. I have no relationship or knowledge of the company on the checks. Based on the information from BOA these deposits were made at BOA branches all on XX/XX/XXXX. The person who made these deposits was then able to go to different ATMs and make withdrawals in the amount of {$300.00}, {$40.00} and XXXX. I do not know how the person responsible for this fraudulent activity was able to access the ATM. These are the check amounts : {$690.00}, XXXX, XXXX and {$990.00}, upon learning of this activity on XX/XX/XXXX( Sunday ), I was told by customer service to file a Fraud complaint with BOA on Monday XX/XX/XXXX, which I did. BOA has the capable to view branch photos and ATM photos of this activity but they have refused to do so as part of their investigation. I also made a timely police report. BOA of is holding me responsible for the ATM withdrawals and fees for this activity that I did not do.

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 2017-07-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX is not reporting on my credit card on a monthly basis. The balance is incorrect the last time they reported this card was X/2017 not for XX/XX/XXXX or XX/XX/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 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP
State: WA

Complaint narrative:
I wrote to the credit bureaus twice in XX/XX/XXXX requesting they send me supporting proof of documents, such as, written contract with my signature, complete payment history, ect. The credit bureaus could n't send me anything, but reported back to me that US Bank stated that account amount was correct, and verified. <P/>However ; US Bank also did not send me any supporting documents to me to support their claim. Therefore ; I sent two certified request letters to US Bank first one on XX/XX/XXXX, and second one on XX/XX/XXXX ... Yes, nearly 8 months later, and still no proof documents. US Bank missed the 30 days cut off on the first letter. When they did sent a reply it was under XXXX XXXX XXXX instead of their name, and no agent or manager put their name of it by writing their name on the letter nor did anyone from that company signed it. <P/>They also disrespect any certified letters from consumers because they use an ink stamp " Data & date '' no name or signature on certified return mail. No reply letter & no supporting documents. I reminded them they are violating FCRA section 609 & 611, 15 USC 1681, for reporting incorrect, and unverified consumer account info to credit bureaus without any proof of their claim. Therefore ; by law US Bank must delete the whole account on all credit bureaus immediately. <P/>Also, US Bank has for years been reporting incorrect and unverified account info to credit bureaus without reporting also on the credit bureaus that this account is in dispute ( It is still not reported as disputed account which falsely keep my credit scores low, and harm my creditworthiness for life ). I tried to call them on the phone XX/XX/XXXX after waiting 2 weeks after my 7 days deadline. As soon as I explain to agent what going on and my rights the agent/s transfer me several times without trying to help me delete the account off my credit reports. <P/>After being transfer 4 times and XXXX hang up, I called back just to be transferred to voice mail saying leave a message and state your problems and we will call you back when we are open ... I called on a Monday at XXXX XXXX PST or XXXX XXXX CST ... For Pete 's Sake! They were not close, but they were playing games with consumers to harassed and oppressed them into giving up. I hang up and now I am writing your agency to me to get US Bank to completely delete all unverified account # XXXX off credit bureaus 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 non-monetary relief
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I was a customer of XXXX from XX/XX/XXXX- XX/XX/XXXX called advised I would be getting another carrier asked my name and number be removed from the bill my contract expired. My daughter remained a XXXX subscriber they removed my phone number from the bill but left the account in my name when I called they informed me the account had been changed over. Although I did not receive any more bills they failed to put the account in her name. I have proof that I was a subscriber with XXXX in XX/XX/XXXX same phone number and now XXXX for over a year the same phone number. I provided a notarized statement as proof the bill is not mine, called the company ( XXXX ) asked them to send me a copy of the contract because I have not signed a contract with them in years no phone contract last forever. XXXX refused to correct this error sent me a form to complete wanting me to charge my daughter with fraud when it was their error for not changing the bill and address into her name, they sent bills to an old address they had on file. At any rate it has runied my credit my mortgage loan through the bank was disapproved for the recent collection on my credit report, I retired in XX/XX/XXXX no bills have come to me. I have made numerous attempts to resolve this issue with them they simply remove it from one credit report to another with a different collection agency. I want this removed from my credit record entirely because my husband has XXXX I need my credit to remain in tact to but a home based on my income it can not happen with this debt which does not belong to me binding every step I try to take. The collection is now with IC Systems, and was being carried by a company called XXXX. The collection agencies should be held accountable for ruining your credit without performing an investigation. I am asking them to produce a contract bearing my signature after the 2 year contract period as proof. The people at XXXX are rude I have names of those I have spoken to supposedly in their corporate office. Please help resolve this complaint I need clsoure to move on and clear my name. 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 2017-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital one hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect {$700.00} the was discharged but capital one kept getting other companies to try to collect on a debt that wall already been discharged. I called my attorney XXXX XXXX XXXX XXXX they wrote capital one and know capital one is using other collection company trying to collect on a discharge bankruptcy that happened in the was filed and complete in a chapter XXXX. I never had a account with XXXX or XXXX XXXX XXXX XXXX XXXX XXXX never opened a account with this company but was hired by capital one to collect a discharge debt that over 10 years old .they keep taken them down and replace back up under different names .I would like to resolve this before it gets into a legal mess. There is a file XXXX # XXXX I never opened new account with this company I called and Capital one once again getting or selling discharge debt to the company .also debt of closed accounts should of been of my account and not showing on my credit report they are too old. Thanks you for your time XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Focus Holding Company
State: FL

Complaint narrative:
I supposedly owe XXXX XXXX money owed to XXXX. They have called my place of business saying they are a debt collector when asking for me yet can never be reached through any number even after numerous voicemails to attempt to understand or handle the actual debt. Which has been paid. I still use XXXX time to time currently. I am trying to close on a house and this is the only negative mark on my credit report in years. I am baffled. I can not close until this is remo bed and can not even reach the company. Why call my place of business and not my cell phone. I have never left a work number. This is beyond ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
TransUnion 's had a computer glitch problem that happened twice. That was not my fault or my problem. So it caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. Those inquiries being added back on has made it impossible for me to even be looked at for getting a loan to consolidate my debt. my rights were violated by TransUnion. Will CFPB help me make TransUnion stop victimizing me.

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 2017-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
Today XX/XX/XXXX I talked with Arvest Central Mortgage Co. Supervisor XXXX XXXX. 
Phone # XXXX X XXXX about the paid off Loans- Escrow Refund to me with the check # XXXX the amount of {$1.00}, XXXX The problem that they placed the order of the payee with my ex-husband & my name on it. I could not deposit the check. Because my ex-husband and I had borrowing the loan and both our name on the note since XX/XX/XXXX and the note had been bought by Arvest Central Mortgage Co. in XX/XX/XXXX. In XX/XX/XXXX, we divorced and the court ordered I kept the property and responsible for the note.
XX/XX/XXXX, I have refinanced to the new loan from XXXX XXXX  XXXX and the XXXX XXXX XXXX XXXX overpaid off the Arvest Central Mortgage Co. {$1.00}, XXXX. 

I called Arvest Central Mortgage Co. Representative many times and explained the situation that my refinance new money paid off the loan NOT my ex-husband money. I suggested to provide them the divorce decree court order in XX/XX/XXXX. But they still kept their opinion that my ex-husband on the note and they have refund my new refinance money with his name on it.
My ex-husband and I on the borrowed note back in XX/XX/XXXX but he is not responsible to pay for the note. The court ordered me to pay and I refinanced the new money paying off the loan, how come Arvest Central mortgage takes my money and goes against the court order to pay for my ex-husband?
My ex-husband and I divorced, we do not have the same account with two names on it, we can not deposit the check.
Arvest Central Mortgage does not refund my money under my name, I have no way to get my money back under my name. This is a big amount of money for a single mother working under minimum wage to have the money for my living expenses. This is unfair for me, Arvest Central Mortgage Co. did not obey the divorce court order and tries to keep my money longer in their bank. 

I hope that CFPB can help me to get my refunded mortgage check, under my name only, which had been overpaid off by my new loan. Arvest Central Mortgage should follow the divorce court order to pay for me only. 

I appreciate for your time and help me to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I used the Amex Serve prepaid debit card ending in XXXX to bill pay a credit card online for which Amex Serve sends out a physical check against the funds on the account to be delivered to a merchant. ( In this case, a credit card at XXXX ending in XXXX for {$940.00} on XXXX ) After a period of no activity on the XXXX account, I called Amex Serve on XX/XX/XXXX ( they said the check is usually delivered in 2-4 business days ) to notify them of non payment to XXXX and asked to dispute the charge. I was charged the {$940.00} on the Amex serve card but never received the bill pay credit on my XXXX card. <P/>After a long wait, Amex Serve came back and said that the check was delivered and cashed by XXXX and that the dispute was closed. I then called Amex Serve again to notify them that I never received the bill pay credit with XXXX. After receiving no help from a CSR, I spoke to a manager who seemed to understand the problem. <P/>She took extensive notes detailing what happened and said that the dispute would be opened again and that the Amex Serve dispute team may possibly contact me in 2-4 business days asking for proof from XXXX of non-payment ( screenshot of the XXXX card account showing no credit given ). This was on XX/XX/XXXX. <P/>I received a notice from Amex Serve on XX/XX/XXXX directing me to look at a secure message. I could not open it and got this error message when opening the link : Bad Message XXXXreason : Request Entity Too Large. I called into Serve and was again told by a CSR that the dispute was closed as they had proof the check was delivered and it was cashed by the merchant. <P/>Once again, I explained that XXXX never credited me for the payment and that this was my third call and dispute. I spoke to a manager again who said he 'd open the dispute again and gave me the same speel about being contacted in 2-4 business days for possible proof of non-credit by XXXX. <P/>It seems like Amex Serve 's dispute process is hung up on whether the check was delivered to the bill pay recipient and/or cashed. Whether the customer actually had the bill pay credited, they do not seem to care. They as the payments company have the power and responsibility to talk to the merchant to verify bill pay credit and whether it was paid properly. They seem to be unable to resolve this case and I would greatly appreciate the CFPB 's help in getting proper credit on the XXXX credit card I used Amex Serve to bill pay.

Company response to consumer: Closed with explanation