vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 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 applying for a mortgage thru XXXX XXXX XXXX XXXX who uses XXXX XXXX XXXX since XXXX - XX/XX/2018 my credit report was pulled multiple times by the Broker and again pulled by XXXX for the same transaction causing hard inquiries on my credit files, which translated into negative information and fall in my overall scores. Between both entities they pulled my credit about eight ( 8 ) times. It could have been done differently to denote that it was ongoing transaction NOT separate and distinct.

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 2018-12-11 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: ID Analytics, Inc.
State: NC

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XXXX. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX   XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC 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 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/XXXXI made a cash deposit of {$83.00} at the US Bank located at XXXX XXXX XXXX. XXXX CA XXXX. 
I inadvertently used another financial institution debit card, I put in my PIN number and selected deposit. I put the cash money in and the button asked to complete deposit and a receipt came out stating deposit denied call the XXXX and then my card came out and I realized I used the wrong card. When I got home I called the XXXX number and the person that I spoke with said I would have to go inside the branch. 
Monday morning about XXXX I spoke with a banker, showed her my receipt and on the receipt where it list the last four digits of the card that I used was not US Banks card but my XXXX  debit card. The banker said its not something a branch would be able to handle but to call the XXXX number on the receipt. 
I was in the parking of the branch and called. The representative said because this is a business account it could be cleared within 4 days. I got upset because I had 2 checks out payable to my credit card company and didnt want my checks returned. He said any fees occurred would be refunded and I asked would like credit my account for fees my credit card is going to charge me and his response was thats not something they would be able to do. Again I got upset asking for a supervisor and he told me to hold on. About 2 minutes later he came back and ask me to continue to hold for a supervisor. He later came back and asked for my contact information and his supervisor would call me back. 
On Tuesday morning about XXXX I called the XXXX number and was told my claim was denied because no extra money was found in the ATM. I hung up and 10 min later I called to find out why it was denied and that something needed to be done because I made a cash deposit and someone needed to do some investigating. 
As of this writing my claim is being denied

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 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Consumer Adjustment Company Incorporated
State: CA

Complaint narrative:
This is not a request for a dispute this debt was involved in IDENTITY THEFT. 

This collection company is acting in an illegal manner. This is a part of the stall tactics that they use. They are not the original creditor. 

They continue to report a debt that was involved in identity theft. I prefer to document my contact in writing with this collection agency because they are very abusive and make threats when you call them. 

They " have '' been notified on several occasions by telephone and refuse to honor my request. 

They keep referring to me as the " right party '' when in fact I am the " wrong party '' considering this debt was involved in identity theft. 

They are not the original creditor, can not supply an original contract with my legal signature and a copy of my ID that was used for this debt. A statement provided by their client is not a contract with my legal signature and ID. 

In fact this collection agency can not produce a contract with my legal signature and a copy of my ID that was used in this debt that I do not owe. 

Identity Theft Police Report is attached for the tenth time for this company to read.

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 2018-12-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
ON or about XX/XX/2017 XXXX XXXX located at XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida XXXX entered into agreement with Green Sky Lending, XXXX XXXX XXXX, XXXX, Georgia XXXX. This agreement was entered in my personal name XXXX XXXX on a Invoice in My wife 's name. We never signed nor agreed to any loan application, This was marketed as a interest free note through XXXX XXXX. This was a replacement of air conditioner system which failed. My wife having XXXX XXXX and awaiting XXXX XXXX  was not equipped mentally to make such financial decisions. After install we had major failure within the system with mold, that I had another contractor resolve at a cost of XXXX dollars. After this failure, My accountant paid the total outstanding balance down to XXXX balance thinking the contractor was receiving payments from Green Sky. I  never signed nor agreed to this note, nor is there any signature of my wife and only an estimate that has her name on it. I consider this a fraud on myself, Green Sky and XXXX XXXX  to which this invoice was sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
All accounts with XXXX XXXX on which I am listed as an owner or an authorized signer will be closed effective Monday, XX/XX/2019. I have been at the bank and spoke with the manager at the branch and she could not give any information. She tried to call to the head quarter, but did not get information. I have called to the phone number which was provided in the letter but was told that account is going to be closed. The reason - it is internal decision and no more explanation. I do not fill any wrong doing to cause any risk to Bank. 
I would like to know what is the problem. I feel myself as a criminal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I want this company to Cease any communication and NEVER contact me again. I'm XXXX with other health issues so i don't need any of their UnNecssary XXXX  or XXXX  i've endured on my health including having an XXXX XXXX. It should be against the Law for any debt collection company or any company to call use scare tactics, threats, and abuse a XXXX person over the phone for an account from 20 years ago then when you tell them you filed Bankruptcy they become vulgar and nake threats the way these people talk the way they did to me and i had every right to defend myself and i was provoked in saying the things i did. On XXXX i received a call from XXXX XXXX. The first person i spoke to said he was calling about a credit card debt for XXXX XXXX who isn't in business anymore. I told him i filed Bankruptcy a year ago he then told me i was Lying and i don't pay my bills and i didn't include them in my Bankruptcy. I told him to give me their information yet he refused. I then asked for a supervisor who was even worse and he wouldn't give ne his name or their address and he in fact told me i was Lying about the Bankruptcy and i told him i never even heard of their company then he became very Vulgar telling me i'm Lying about getting their letters and i know i got them so i need to tell the Truth. Then this so called supervisor told me i don't pay my bills and i informed him the debt he is calling about is way past the Statue Of Limitations from 20 years ago and i need to pay my bills. He wouldn't give me his name or their address then he continued to make vulgar comments telling me i'm Lying and i know i got their notices he even claimed i never included them in my Bankruptcy and i informed him their company have never been on my credit reports he then tells me if you paid your bills you wouldn't have filed Bankruptcy. The third XXXX i spoke to was very rude as well and he refused to give me his name or their address. He told me when i get home call and give me my Bankruptcy file number and told me if i filed i would know the case number and i told him if they were a Legitimate debt collection agency they would know they can't just talk to people any kind of way or make threats to you or about your credit report and any company like XXXX XXXX need to be shut down. I also would like to know how i can take Legal Action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I became XXXX  in 2013. I have not worked in the field that I went to this school for. I am currently waiting on my XXXX which will take another 7 months before I know anything. I am working with an attorney and also some of the schools cost for XXXX  XXXX was unfairly charged. The cost of the online course that I took was over {$30000.00}. It is a total rip off and I was unaware of the total cost. The way they had everything set up was unethical. I have been fighting to get these student loans for this online course off of my credit for years and they just keep deferring it and charging more interest to the loans. I didnt even know that I had many different loans. I was never informed of this and thought that I had one loan out for the entire course which normally cost around $ 6-8,000 and not over {$30000.00}. This is insane.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Receivables Performance Management, LLC
State: WA

Complaint narrative:
On XX/XX/2018 I made a payment of {$150.00} to creditor XXXX XXXX, In. XXXX XXXX XXXX # XXXX XXXX TX XXXX www.XXXX. For an XXXX XXXX XXXX account. I paid the account in full and have a letter stating this account is settled. 

Six months later I got a letter from Receivables Performance Management stating I owe for the same XXXX XXXX XXXX account. I called to inquire and they advised me it would be taken removed, and it was XXXX XXXX XXXX that sold them the account again. As time passed I noticed Receivables Performance Management put a negative mark on my credit report for an account that was already resolved. I was confused because I provided proof of payment to Receivables Performance Management, and they advised me it would be removed. I called them again, and they advised me it would be removed from my reports in 30 days. I was given by XX/XX/2018. I checked my report after 40 days and it was still on my report. I called them back and they advised me it would be taken off in 60 days. Every time I call it's a different time frame. It still hasn't been taken off my report. When I filed with each credit bureau, each result came back with Receivable Performance confirming it was accurate information on my report. I asked for a copy of the phone call recordings, they advised me or security reasons they couldn't give me a copy. 

Receivables Performance management XXXX XXXX XXXX XXXX XXXX, WA 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 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NJ

Complaint narrative:
I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account. 
I am getting the run around. 
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so. 
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve 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 non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
Wells Fargo Bank after 10 years of banking relationship closed my business account on XX/XX/2018 claiming I was high risk. My business is bank sponsored by XXXX XXXX which classifies me as a XXXX, not an XXXX. With all of the publicized problems, Wells Fargo has shown I feel this is business discrimination. I know there is a coordinated banking operation called XXXX XXXX XXXX and this is an example of it. I feel my business reputation has been tarnished and from a bank with a tarnished reputation, this seems hypocritical.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Waypoint Resource Group, LLC
State: TX

Complaint narrative:
Creditor continues to remove and reinsert this debt without sending me a written notification of my right to dispute this debt as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to dispute the following information in my file dispute on the attached copy of the report I received. 
This item [ identify item ( s ) disputed by source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ] is [ inaccurate or incomplete ] because [ describe what is inaccurate or incomplete and why ]. I am requesting that the item be removed [ or request another specific change ] to correct the information.

Enclosed are copies of [ use this sentence if applicable and describe any enclosed documentation, such as payment records and court documents ] supporting my position. Please reinvestigate this [ these ] matter [ s

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 2018-12-11 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 — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Jana Ferrell & Associates LLC
State: OK

Complaint narrative:
I received a phone call from Jana Ferrell & Associate, they told me that a medical bill was place in their office and they were auditing files for legal processing. I never recived paperwork on this account and I did know that I owe my doctor a outstanding balance but I made payment arrangements with the original creditor.

The rep for the collection company did tell me that the account was in the process of reporting to my credit, but If I made the payment that they would remove it off my credit report. Which I did that. Its been 5 months since the payment in full for the balance and they have not removed it off my credit. I have contact a few time to the company but they tell me that all they can do is report the account as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX for XXXX the XXXX XXXX XXXX. Advised months ago not to call me during work hours as my company will not allow me to speak with them then ( they can call after XXXX, eastern ) so instead, they looked up my previous credit information and started calling my mother 's number daily starting XX/XX/XXXX - XX/XX/XXXX ( who I have not lived with for years ) and then my husband, on XX/XX/18, neither of which is listed as a contact number or a debtor for the account. I spoke with them on XX/XX/18 and made a payment of part of the debt owed, and advised them on the call that I will contact them when I get paid again ( around the XX/XX/XXXX, ) I also asked them to not contact me again during business hours, and asked them to take my husband 's number and my mother 's number off the account, and was told my mother 's number was never on my account to call her, and they did not have another number on file. I received a " unknown '' call today during my work hours at XXXXXXXX eastern. I used to work in debt collection, I know that they can not contact a customer more than 1 time in a 5 or 7 day period in New York State, and this has been within 3 business days. They need to be able to provide the telephone number when calling, and not purposely avoid caller id features. I advised them again not to contact me during business hours on today 's call, and that I just spoke with them saturday. My mother advised me since then that she has received a call again today on XX/XX/18 from them after I advised them not to call her.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Over the XXXX XXXX  XXXX weekend ( XX/XX/XXXX, XX/XX/XXXX ), there were 5 fraudulent transaction at various XXXX XXXX in Georgia in the amounts of {$450.00}, XXXX, XXXX, XXXX, XXXX. I was contacted in the morning on Monday XX/XX/XXXX by XXXX  XXXX  by phone informing me they believed I was a victim of fraud. I confirmed their suspensions that I was not in Georgia nor did I make any of those transactions. They immediately cancelled my XXXX Saving Account Debit and reissued a new card. I then submitted the requested transaction disputes forms by email on XX/XX/XXXX. I received confirmation of the receipt of the forms on XX/XX/XXXX and my claims were being processed. Four weeks later, my funds have not be returned to me nor have the fraudulent charges been removed from my transaction history. When I contact XXXX  XXXX  customer service, they are unable to provide me with any status updates. At this point, the fraudulent charges remain on my transaction history which will be reported incorrectly to the IRS as I didn't receive any services or goods from those transactions. I am unable to get anyone at XXXX  XXXX  to help revolve this issue but rather get a runaround that it is out of their hands because the card is issued by a 3rd party vendor. 
I do not do business with XXXX  XXXX XXXX vendor nor should XXXX  XXXX   customers be obligated to work directly with any 3rd party vendor of the bank. I request CFPB 's assistance in getting this issue resolved before XX/XX/XXXX year end primarily because of the IRS tax implication.

Company response to consumer: Closed with explanation