vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
A Debt Collector is trying to collect debt over a charge off account. They are saying they bought the debt. I wonder how came they bought a account with a XXXX dollar balance on it. They also failed to provide me any paper work/ contract to validate the debt to me. They only send me a old credit card bill. They are also reporting this {$500.00} to all credit bureaus. Which hurting my credit and I am financialy suffering. 

Therefore, please help me to stop this inaccurate reporting to all credit bureaus and also help me to stop all short of collection activity about this account. 

The Collecter name is, PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Tel : XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: WI

Complaint narrative:
I received a collection call today from some about a credit card that I did not open or authorize. I viewed my online credit report via TransUnion. The TransUnion website says that allows online initiation of disputes, However the TransUnion website would not process my online dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I checked my credit report and noticed a negative mark, I called the company and was told its for cable. I explained to the rep I do not have cable, haven't had cable in years. she asked what state I was calling from and she informed me the account was not for the state of NY that I reside in. she would not give me any more information. I told her to please remove the remark from my account she would not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: SUNTRUST BANKS, INC.
State: FL

Complaint narrative:
In XXXX, XXXX I secured a car loan with SunTrust, account number XXXX. The loan funds were then deposited into a SunTrust checking acct ( # XXXX ) with enrollment in XXXX. This was confusing as I had never seen such an arrangement before. I have had approximately 10 car loans over the years and this was different than any before. 

Two years later, I received an advertisement from SunTrust offering me a lower rate of interest for my car loan with SunTrust 's subsidiary, XXXX. I filled out the loan application online with XXXX and received the new loan account # XXXX. My monthly payments fell from {$670.00} to {$630.00}. I was thrilled. 

In XXXX, XXXX I received notice from SunTrust that the original loan, secured by checking account # XXXX, was overdrawn. I was out of town for the holiday and did not address this problem until XX/XX/XXXX. I have since spoken with multiple people at SunTrust and XXXX and Ive been told that it is my fault that I didnt pay off the first loan when XXXX sent {$29000.00} into that same checking account XXXX in XX/XX/XXXX. That account had still been paying back the original {$670.00} monthly and had run out of funds. I have been automatically sending {$630.00} to XXXX for almost four straight years. I believe there was a bookkeeping error by SunTrust/XXXX that happened when that {$29000.00} was sent to the checking account. 

I was told by representatives of XXXX that the USE OF PROCEEDS section on page two of my XXXX  seven-page document instructed me to use the proceeds for the purpose indicated by you in your application for this loan. I was never told my anyone online or on the telephone that I had to actively do anything to pay off the first loan. The companies offered me the loan reduction. I did not seek it. I was thrilled to pay less on a monthly basis, but I strongly feel that I shouldnt be punished with three more payments of {$670.00} for a loan that shouldnt even exist. I still have four payments of {$630.00} remaining with XXXX. 

I am stating that SunTrust and XXXX used unfair and deceptive practices. And when I wrote to the executive offices and had FIVE telephone calls with XXXX XXXX in XXXX 's exec offices, I was finally told they would do nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX XXXX XXXXXXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: PA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX XXXX XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX  XXXX XXXX XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX  are not deleting the negatives out of my credit report as on XX/XX/2019 
OnXX/XX/2019 I spoke with XXXX Account Vice President and finalize a XXXX  XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XX/XX/2019on conversation with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX are not deleting the negatives out of my credit report as on XXXX XXXX. 
On XXXX XXXX I spoke with XXXX Account Vice President and finalize a XXXX   XXXX XXXX Visa Debit payment of {$440.00}. 

I will implement the explaination by email to CFPB of XXXX XXXX on conversation with XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: GA

Complaint narrative:
Back in XX/XX/2018 I began a dispute for an account XXXX XXXX, and to have all Michigan addresses removed from my credit file, that was opened fraudulently in my name due to identity theft. The account XXXX XXXX ( XXXX XXXX ) has not been removed by Equifax. I have repeatedly disputed this account to have it removed. Every time I call Equifax they keep telling me to fax in more and more documents, that I have already faxed them. I have sent proof of identity, identity theft police report with the account number on it, and proof of address for the past four years. They still have not deleted this fraudulent account off my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX BANK opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened 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 non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Central States Recovery, Inc.
State: KS

Complaint narrative:
Thank you for your recent contact dated : XX/XX/XXXX2019. 

I wrote to you on XX/XX/XXXX 2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties.

4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc.
State: MO

Complaint narrative:
This company is violating the fcra by reporting incorrect information on my credit report. I am the victim of a shooting In which I was u able to attend school. I was told from appeals that I would be granted and balance refunded which did not happen. Instead as i have been healing up they have ruined my credit. The company shows I was refunded XXXX but is still charging that as part of the balance even though there should not be any balance. They never sent me any communication regarding this debt, they have cease communications on the file. They are violating my rights and will be sued In federal court.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Voss & Klein, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I signed an agreement under duress with XXXX XXXX XXXX XXXX XXXX. Then, my identity was stolen in XX/XX/XXXX. I attempted to cancel the contract made under duress while I was sick and learned that there was toxic mold in my house. They referred the debt to Voss and Klein in XX/XX/XXXX who has harassed me even further. I contacted Voss and Klein on more than one ocassion to tell them the situation, and offered to return the equipment that was ripped out of the wall by the person who stole my identity. They declined. I disputed the charge and the collection with XXXX in XX/XX/XXXX. They are continuing to regard the debt as mine when it is not. It was supposed to be settled in XX/XX/XXXX, and the collection has gone even higher. This behavior is predatory and wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 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: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX  opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened 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 2019-03-06 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: FL

Complaint narrative:
I have contacted this bureau multiple times requesting an investigation to verify the debt and ask who opened and signed for these accounts. I also ask them to remove these fraudulent accounts reporting in my consumer file that do not belong to me. They have not mailed me any results and have yet to contact me regarding this matter. They are not cooperating with me at all. The accounts listed below were opened in result of identity theft. It is hindering me from obtaining credit and I need this removed asap. The accounts are listed here below. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX account # XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX. 
XXXX XXXX XXXX opened XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
For the past three years my father and I have been paying back my student loans. We initially borrowed XXXX dollars and we now owe XXXX dollars because of interest. We have paid out over 13000 back towards the loan. My father is out of work, and I have been diagnosed with XXXX XXXX. I am not on XXXX but do not make enough to survive and pay loan payments. By the time the loan is paid off it will be over {$380000.00} dollars. They will not work with us to lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Credit limit changed — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
SunTrust Bank closed the overdraft line of credit for my personal checking account in XX/XX/XXXX and did not notify me. I found out in XX/XX/XXXX when I checked my credit report. The line of credit was closed while another financial institution had a hold on my checking account in XX/XX/XXXX ; the court ordered reversal of the hold in XX/XX/XXXX. 
I talked to people at SunTrust Bank to get the line of credit reopened, including XXXX XXXX, Supervisor of Loan Servicing and XXXX XXXX, Office of The President, but the bank refused to do so. I have never been late in paying on the line of credit, which should be reopened without my having to apply for new credit. The whole situation occurred because of circumstances beyond my control and without me being at fault. I have been discriminated against.

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