vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: SC

Complaint narrative:
This regard to BB & T bank what bother me is that they hold my refund check from IRS because of get clear on check. Then when date of check told be release the bank then told me that it would release until next day due process system. The check hold for 7days, Another problem is that I have payroll deposit in checking account, because of thier process system my funds are not release to me until same day but XXXX that XXXX. Most bank release funds the same date not special time. I got wait until XXXX that XXXX to start paid my bills and bank will charge me overdraft fee due thier process sysytem. My money not release until XXXX when I got automatic money coming out account. This total a waste and way I feel that BB & T are taking money from me due to thier system process.

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 2019-04-02 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 — Investigation took more than 30 days
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 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 — Investigation took more than 30 days
Company: IQOR US INC
State: AZ

Complaint narrative:
Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka Allied Interstate LLC, aka XXXX XXXX, aka XXXX XXXX XXXX, aka XXXX owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was Allied Interstate LLC, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O XXXX stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birthXX/XX/XXXX.I have not received a response from any of all of the above referenced collection agencies as of today 5 months since original 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 explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Received debt collection letter from Phoenix Financial Services LLC XX/XX/2019 concerning a medical debt that was paid. Requested validation and information regarding this alleged debt. XX/XX/2019 and received a billed stated an unpaid balance and a bill indicating procedures and medication. 
There is a clear HIPAA violation here without signed release of information and proceeding to report to credit reporting without proper validation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
They had three addresses for me two of which were incorrect. They only removed one of the incorrect addresses. The address they left is full of typos on its face, and anyone with any literacy would have seen that and removed it.

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 2019-04-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My lawyers are currently sueing her in court for these fraudulent activities I contacted Equifax to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: AZ

Complaint narrative:
I am writing this letter to document my formal complaint against Flagstar Mortgage Company. I am deeply disappointed with Flagstar as a mortgage provider. I have owned a home and dealt with mortgage companies for over 16 years and the four months at Flagstar have been the worst experience Ive ever had. On two occasions my payments have been lost in the Flagstar system. This has led to harassing phone calls to me about missing my payment.

In my most recent payment issue, my XX/XX/XXXX payment was sent through my Bank Bill Pay. The payment was mailed on XX/XX/XXXX. Flagstar began harassing Robo calls to my phone around XX/XX/XXXX. On XX/XX/XXXX my check was processed and deducted from my account balance. Flagstar continued to send automatic Robo calls to my phone. I returned the harassing phone call on XX/XX/2019. I was met with a condescending phone representative who insisted that my bank had withdrawn the assets before sending the check. She did not attempt to research my request. The representative then put me on hold with no warning or explanation. I disconnected the call and called back. My call was immediately disconnected. When I called back for the third time, I spoke to a reasonable representative. She was polite in hearing my issue. However, the missing payment was still my issue to solve. I had in hand check images that showed a time stamp of the check being received on XX/XX/2019. I was instructed to email Flagstar with my check images. I followed the direction.

It further disappointed me that Flagstar did not reply to my email to even acknowledge they had received my request to investigate the location of my mortgage payment. There was no follow up communication or explanation to why my funds were cashed on XX/XX/XXXX but unaccounted for eight days more until I contacted Flagstar.

I have the corresponding images I sent to Flagstar to prove my payment was in their possession. I believe to cut costs they use a lock box, and this led to the mismanagement of my payment transaction. This is not the first incident. I had a similar experience with my first payment in XX/XX/XXXX. It was not lost in the system as my XX/XX/XXXX payment was misplaced.

How can I request to be transferred to a competent mortgage company that does not use short cuts like lock box and then automated Robo calls to harass its customers when their system caused the issue?

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 2019-04-02 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:
My ex wife used my information to apply for credit cards with out my permission in order to add her self as an authorized user on these credit cards. My XXXX are currently sueing her in court for these fraudulent activities I contacted Transunion to let them know exactly what transpired providing them with court documents but nothing was done please remove these hard inquiries items from my credit because it is really hurting my credit score.

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 2019-04-02 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a loan with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX   and XXXX XXXX   with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Collection with Florida XXXX XXXX XXXX is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Collection with Florida Dept of Revenue is reporting inaccurately on my report. These accounts do not belong to me and were removed and have reappeared on my credit report. This derogatory information is lowering my credit score.

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 2019-04-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: LendUp Loans LLC
State: AK

Complaint narrative:
Lend up / XXXX XXXXXXXX Last month I filled out an application for a credit card with Lend up credit card service, to see what kind of interest and the credit limit would be, I called and canceled immediately before the account was even opened, I told them I did not want a account with there services, yet they set an account up in my name with a credit card that was never used, never no money exchange to Lend up / XXXX XXXX or money to me. 
This is a scam to get people involved in there unfair credit habits and to take advantage of the credit consumers that try to build there credit. This company is a total scam. 
Please remove from all three credit bureaus as I never had a account with or paid any money to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I've not gotten too far into this, however. Bank of America credit card. I believe this is my very first credit card to ATTEMPT to build credit PER their prompt, advertising, and suggestions. Then when I was unable to make the astronomical minimum payment there was no other options besides pay {$90.00} or more they immediately sent my account to collections IMMEDIATELY making my credit score tens of points lower AND setting me up for failure INSTEAD of the help offered. I've paid numerous different " debt collectors '' for this amount on and off a decade with the the card REMAINING at the maximum balance and not really being able to see my ORIGINAL credit being lowered or EVER seeing it reflect on my score. There is Documented attempts to resolve this debt from start to finish this debt, was not THEIR agenda to set my path towards credit success, yet within a matter of a couple years ravaged my pure and clean credit score. Punative damages, I've moved addresses as EVERY YOUNG aspiring adult. The physical mail never followed, but the calls and incessant debt collection. Student loans, mortgages, medical, life, car insurance, tuition ... The list won't end, Bank of America, you XXXX me at the jump of my life and you will hear me! The only way to follow me is my social security number. My phone, address, name and status have all changed. But your tactics preserved without appropriate accommodations, to situations YOU created

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 2019-04-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner Finance is a fraudulent loan service company. The Branch Manager XXXX XXXX commits : fraud, forgery, extortion and shady business practices. Mariner finance preys on unsuspecting poor victims and deceits them into high interest paying loans that most can not pay. Check their default records, it is over 80 % loan holders are in default. My elderly mother obtained a loan from them and they said they will charge her 5 % interest rate but after reading carefully between the lines, they put a clause in if she is late one payment, they are charging her 57 % rate and cited because of her age! That is also discrimination! I do not even know how that is possible. Mariner Finance needs to  investigated, especially the XXXX Branch. The branch manager XXXX XXXX forges peoples names and helps people who do not have ability to repay for loans qualify and obtain them. She uses fraudulent information and sends to loan company to obtain the funds. This is fraud and shady business practices. I also strongly believe that Mariner finance is  committing Tax fraud and personally XXXX XXXX is the ring leader. I strongly believe that Mariner finance needs to be investigated and XXXX XXXX needs to be STOPPED from harming peoples lives and drowning them in debt.

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 2019-04-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Account Name XXXX XXXX Account Number XXXXXXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Open. {$180.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$710.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$90.00} Original Balance {$920.00} Highest Balance {$0.00} Terms 12 Months Payment History show tooltip button Tap a month for more informationShow payment legend XXXX XXXX OK XX/XX/XXXX XX/XX/XXXX60 This account was not past due in XX/XX/XXXX. I was due on the XXXX I paid XXXX on XX/XX/XXXX in payments of XXXX XXXX XXXX all on XXXX the XXXX Balance is reporting {$710.00} Should be XXXX. I have sent documentation to the credit reporting Agency several times with no success

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 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Colony Brands, Inc.
State: VA

Complaint narrative:
i still have XXXX XXXX still on my XXXX credit report and it has been removed from XXXX   but never was removed from my XXXX report it was reported as fraud and i would like it taken off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
Took over 300.00 dollars garnishment out of my check in one pay period. Very upset

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My was card was used by several companies unauthorized by me. I called some companies trying to retrieve my funds back one company ( XXXX ) said that i shouldnt cancel my card because then they wouldnt be able to refund me my funds so i kept my card active. Some companies wouldnt refund me back, they said i had to file a dispute with my bank in order to retrieve my funds and my bank disapprove my dispute because they said i didnt cancel my card but i did Because i received a new card, This is fraud i need help getting my funds back.

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 2019-04-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I had a checking account with Chase bank and they shut down my account and would not give me any information as to why they closed my account. This happened in XXXX of XX/XX/2018. I think it was the XXXX of XXXX. My account was suspended after someone sent me money on XXXX. I was confused as to why that happened because Ive always been using XXXX. The next day I called chase to try to resolve this matter and they said that Jp Morgan has come to a conclusion that they no longer want me as a customer. I told them so why did you guys close my account. They then responded we cant give any information. I was like why not, you guys closed my account that I have been depositions my hard earned money into. They said in 10 business days they will mail me a check of my balance which was about {$1600.00}. I was very frustrated at this point. I tried calling back again to try to resolve this matter and I still had the same problem. The customer service would not tell me why they closed my account. 2 or 3 weeks later I get A cashiers check with my balance of my chase checking account as well as a letter stating that chase closed my account. I tried to get answers from chase after that but they would not help me out.

Company response to consumer: Closed with explanation