vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: SUNTRUST BANKS, INC.
State: KY

Complaint narrative:
My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.

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 2018-08-15 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc.
State: CA

Complaint narrative:
From my understanding, I was loaned out XXXX $ and i was going to be paying the XXXX  $ back plus a bit more for the fiance charges. I am instead paying back XXXX which i don't see why that is fair. I was never told the finance charges were going to be so high. By now it is XX/XX/18 and I have payed XXXX . I pulled out the loan on XX/XX/XXXX. I still have until XX/XX/XXXX to pay. That is way more money than i expected to be paying

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Accounts, LLC
State: TN

Complaint narrative:
I was paying on the account prior to it being turned over for collections. I feel this is a negative remark on my correct and I ask them to validate the debt with signed documentation and the indebtness of my signed agreement with the creditor. I feel because I was never given a written response under the FDCPA that my rights as a citizen has been violated under the FDCPA. Please produce sign doctuments and debt charged or have the account terminated which is barring on my household and affecting my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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:
In XX/XX/XXXX, I was the victim of identity theft. The thief or thieves successfully opened a Visa  credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PR XXXX in XX/XX/XXXX.

Working with XXXX XXXX   Fraud Risk Control Division, I was successful in establishing that this was a fraudulent account, and was notified by XXXX XXXX, XXXX XXXX Fraud Risk Control Division, that this account was not mine and the three credit bureaus were so notified. I thought that resolved the issue with XXXX XXXX.

However, on XX/XX/XXXX, XXXX XXXX once again made a inquiry of my credit with Transunion and XXXX  credit bureaus.

I sent a certified letter of inquiry to XXXX XXXX on XX/XX/XXXX ( attachment ) which was receipted for on XX/XX/XXXX by XXXX XXXX. The letter requested XXXX XXXX   explain the nature and purpose of this credit bureau 's inquiry of my account.

To date, I have not received any response from XXXX XXXX XXXX  on my request.

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 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: FL

Complaint narrative:
XXXX has received from my lawyer 2 police reports with official letters. They did receive it 2 times in 7 months. 

Police reports # XXXX XXXX and XXXX has remove the collection : The Bureaus from my reports because the polcie reports clearly state that I was victim of Identity theft. 

XXXX don't remove it and everytime we try with my lawyer to contact them they don't care and don't respect the law. 

I need XXXX to remove immediately the false information that they are using on my credit reports by removing THE BUREAUS COLLECTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: IL

Complaint narrative:
On XX/XX/2018 I sent notices to ALL 3 credit reporting agencies advise that I am a victim of identity theft. I request that a alert be please on my credit, fraudulent address and that all the account relates to my identity theft be removed from my credit report. I provide a police an affidavit and a list of fraudulent account with dates and details. I also sent this information to the creditor listed on my report. As of today only one account has been removed. I have exhausted all options at this point. This situation has already been tough enough, as a feel extremely victimized, but now to have to fight to have items that do not belong to me removed is a bit ridiculously. 
The credit reporting agency sent me back letter stating that the account are verified, Im constantly stressed to know someone has and currently is using my personal information. 

The accounts are listed on the attach police report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC.
State: LA

Complaint narrative:
ABR recovery placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which XXXX  said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
My complaint is about XXXX XXXX which my XXXX credit card is through. I have not paid the bill because they have changed the late fee 3x with no explanation, when I call to discuss issue with account will not speak unless we only discuss payment. Have now started to call extended family and some people, I have nothing to do with. I know I owe part of the bill they are claiming and am more than happy to pay it off, but I am not paying false charges, and now I am being harassed as well as my extended family. I owe some of the bill, but I also have rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried several times to get this rectified as you are reporting erroneous information and now I will be contacting state legislation and my elected officials regarding this information. The following accounts are incorrect : -XXXX  XXXX XXXX ( XXXX ) -XXXX XXXX XXXX ( XXXX ) -XXXX XXXX ( XXXX ) Both XXXX XXXX XXXX accounts are reporting incorrectly as discharged as student loans were not discharged in bankruptcy. Also XXXX XXXX  is reporting incorrect information and was never late within bankruptcy. All accounts are scheduled to come off within the next 3-6 months. Please delete the accounts ( early exclusion ).

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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Hello, Over the course of few months, I have disputed this debt with this company with this company sending the information back to XXXX  as verified. Both XXXX  and XXXX has successfully investigated this debt collection and successfully deleted it off of my credit profile.

I do not have a signed contract nor any contract with this company. I am not liable for collection from this debt. I am not responsible for this debt.

I have sent over a police report on several occasions along with supporting documents that this account don't belong to me.

Again, both XXXX  and XXXX  has stopped reporting this debt on my profile yet, this company is still verifying it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX placed a collection on my XXXX report over a year ago. I disputed that charge since it was an extremely old dead account which HSBC said was uncollectable. It was taken off my report and thought that was the end of it.

On XX/XX/2018 they placed the same account back on my report as a new debt and refuse to take it off.

It is for {$1000.00} I am constantly receiving threatening/harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On Monday XX/XX/XXXX I requested a credit limit increase with Home Depot Citi credit card. It was approved no problem however a credit inquiry was put on my XXXX  report without my consent. I did this online and know where did it warn me about a hard inquiry on my report was going to appear. I discovered this inquiry Wednesday XX/XX/XXXX and immediately called Home Depot who was unhelpful. The gentleman on the phone said he honestly didn't know if it said on the website anything about a hard inquiry or not and directed me to contact XXXX  to dispute directly with them. I have filed a dispute but am very upset right now about this hard inquiry. Number one I've submitted credit increases to my other credit cards and I have never had a hard inquiry. Number to if you're going to do a hard inquiry typically it is at least somewhere where you can see in XXXX to warn you about a hard inquiry. If Home Depot was going to do a hard inquiry I would have not submitted for the credit increase plain and simple. Due to the fact this was not posted anywhere when I went to inquire for a credit increase now my credit report has suffered a decrease. I take my credit very seriously and want something done about this.

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 2018-08-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ad Astra Recovery Services Inc
State: AL

Complaint narrative:
This is not my account with XXXX XXXX. I have tried and called the creditor several times and explained to them that this is not my account. If an account was open this had to be done by my ex husband. I want it removed ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I contacted Navy Federal as I had 2 accounts approaching 30 day late. I asked which 2 accounts those were so that I could pay before it would be reported. I posted 2 payments to bring my accounts current with plans to post the final payment to the 3rd account before it hit 30 days. I was mislead into believing I had paid the 2 accounts that were passed due when I had not. My accounts were closed without explanation and statements forwarded to an old address where I had no way of knowing my dates. Also, online access and convenient payment options weren't available to me but only by driving an hour or more depending on my location to post a payment. This 30 day mark has caused my credit scores to plummet and I feel this is due to error on Navy Federals part. I've been a member just over a year and had not missed a payment prior to this. This could have easily been handled had I known but Navy Federal chose to call me on day 31 advising me that I would need to make a payment to avoid additional fees/late charge penalties. This is 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 2018-08-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XXXX XXXX claims they are charging % 27.49 interest rate on my XXXX store card but they actually charged over % 60 interest on my last two billing statements.

When I contacted XXXX XXXX they continued to insist that 60=27 and they declined to credit me. They say my promotional rate for purchases has run out and as a result the interest for purchases made 3 months ago is accumulated and that is the reason that 60 = 27. I can understand a promotional rate running out, but when they continue to insist they are only charging one rate while the math shows they are charging another rate, that's absurd and insulting.

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 2018-08-15 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
JP Morgan Chase Bank from 2012 to the present of theft and fraud of people using my personal finance info to obtain mortgages. 

XXXX XXXX XXXX of the same people with fraudulent issuance of mortgages on my behalf. 

XXXX XXXX XXXX which is XXXX XXXX now - same fraud and identity theft and fraudulent mortgages. 

XXXX XXXX XXXX XXXX - same fraud application for mortgages on my behalf. 

XXXX XXXX  - same fraud mortgages XXXX  XXXX XXXX XXXX - same fraudulent mortgages on my name and info. 

XXXX XXXX XXXX - same fraud mortgages on my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA

Complaint narrative:
I received a call at my place of employment XX/XX/2018 stating it was " an urgent matter '' I can not receive calls like this at work and my receptionist informed them of this. I received a call the following day XX/XX/2018, reception again informed them they can not call me here. I have had 1 call on my personal line so far as of XXXX on XX/XX/2018. I received 6 calls on my personal line XX/XX/2018 with no voicemails to call anyone back. This is inappropriate and I would like the calls to stop. I know someone who worked there for a short time and left because of the way they are instructed to harass people and talk to them as though they are garbage. I know they have violated the law by calling my employer a second time after being informed not to. I would like this formal complaint followed through and further action taken against this company. They pride themselves on being bullies, harassing behavior, and intimidation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MO

Complaint narrative:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, XXXX, and Transunion credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} 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 2018-08-15 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: MO

Complaint narrative:
On XX/XX/2018 I requested a copy of my credit reports from Equifax, XXXX, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 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: MO

Complaint narrative:
On XX/XX/2018 I requested a copy of my credit reports from XXXX, Experian, and XXXX   credit bureaus. After reviewing my file from these credit bureaus, I realized that there were several negative accounts listed that did not belong to me and were likely fraudulent accounts. I filed disputes with the bureaus but this payday loan still remains on my reports and is listed as a collection account. The company that I believe is fraudulently and/or incorrectly listed on my credit files are the following : 1.  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX or ( XXXX ) XXXX {$680.00} 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 2018-08-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Hello, Over the course of few months, I have disputed this debt with this company with this company sending the information back to XXXX  as verified. Both XXXX  and XXXX has successfully investigated this debt collection and successfully deleted it off of my credit profile.

I do not have a signed contract nor any contract with this company. I am not liable for collection from this debt. I am not responsible for this debt.

I have sent over a police report on several occasions along with supporting documents that this account don't belong to me.

Again, both XXXX  and XXXX  has stopped reporting this debt on my profile yet, this company is still verifying it with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MO

Complaint narrative:
On XX/XX/2018 I wrote to XXXX XXXX to ask how to ensure that if I were to make additional payments to my accounts that they would be applied to my principal balance and not to my upcoming payments. They responded they traditionally do apply additional payments to upcoming payments and put students in a " paid ahead '' status. I responded that I wanted to opt-out of paid ahead status and to have my additional payments be directly applied to my principal balance. Then I asked how I could ensure my payments were being applied directly to my principal balance and not towards future payments. 
On XX/XX/2018 I was told my account was beginning the process of being removed from paid ahead status and to allow 10 business days for the request to be completed. On XX/XX/2018, after paying more than {$2000.00} towards my account beyond my minimum payment I checked my account and found that I was in " paid ahead '' status. I once again emailed XXXX XXXX and told them the issue and that I not only wanted to be removed from paid ahead status but that I never received an answer as to how to ensure that I would be removed from paid ahead status. I also asked if there were any penalties for paying off my student loans early. 
In response on XX/XX/2018 I received an email stating that XXXX XXXX  was unable to verify my account based on the information provided. I have attached the email chain for reference. Currently, I do not see any indication from XXXX XXXX that I was removed from paid ahead status or that the amount that should have been directly applied to my principal but was instead applied to future payments, has been properly allocated to my principal balance. I also have not received any answer to if there are penalties for paying off student loans early. 
I emailed them back that day letting them know of the discrepancies and that I would be filing a formal complaint.

Company response to consumer: Closed with explanation