vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: AL

Complaint narrative:
XXXX To XXXX, XXXX Tax ID # XXXX we are a Substance Abuse Out patient facility. I took family leave XXXX XXXX because my father has XXXX and was starting a new treatment. I was out the office for 63 days. I left the business bank card in my office drawer for office needs. While I was out the card was stolen when staff realized that the card was stolen XXXX XXXX Branch Manager at BB & T was contacted and notified! XXXX XXXX told XXXX our employee that his name was not on the account so he could not file a claim! 

XXXX XXXX failed to put a stop on the card and XXXX continued to have fraudulent charges made. When I returned I went into the Branch on XXXX XXXX, sat down with XXXX XXXX and went through the account. XXXX XXXX told me that the account closed 3 days prior to me coming in and that he would have to manually put a fraud claim in and that it would take him 2 days. Weeks went by with no response fro XXXX XXXX when I spoke with someone in fraud department I was told he never flied the report. After the fraud department reached out to XXXX XXXX with no response from him I was instructed to contact the CEO Chairmans Line. I spoke with XXXX at XXXX XXXX she took the claim I informed her that the pin number was with card because because some merchants will request the pin and she stated that this was a unique situation but that should not be a problem! She then informed that XXXX XXXX told her that his computer was down and he tried to put it in and when he could not he said oh well and did nothing else. XXXX XXXX refused to call the detective who was working the case. 

I received nothing in writing, email or phone call! I call into the fraud department to follow up today and was told that the claim was denied because staff had access to the pin and my company money would be refunded! I was told that a request for payment was sent to the branch and ant the manager XXXX XXXX denied twice! 

As of today I have not spoken with XXXX because he doesn't return calls or emails!

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 2019-03-26 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: CA

Complaint narrative:
I've filed a report on Federal Trade Commission website on XX/XX/2019 about an unknown/fraudulent BK reporting on my credit report and have sent the copies along with my info and letter with explanation to the reporting bureaus ( XXXX  and Experian ) on XX/XX/19 to remove the incorrect reporting from my credit reports. They have all the necessary documents in order to take an action and to remove the incorrect info, but instead they refuse to do anything.

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 2019-03-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: FL

Complaint narrative:
I disputed this debt from Midwest Recovery Systems on XX/XX/18 with CFPB and on XX/XX/18 Midwest responded back that their client was unable to validate and a record of deletion would be sent to all 3 credit reporting agencies. That was never done but after a little back and forth with Midwest the debt was deleted from XXXX and XXXX but not XXXX. I tried to contact Midwest again but nothing was done. I also contacted XXXX  and I sent XXXX the response in which Midwest stated a letter of deletion would be sent to all credit reporting agencies and XXXX keeps stating debt is valid but it clearly not. It is way over the 30 days in which Midwest Recovery Systems stated it would take to have dent removed and XXXX still has debt on my credit report. I am still in the house buying process and this invalid debt needs to be deleted by Midwest.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Strategic Alliances, Inc.
State: PA

Complaint narrative:
Week of XX/XX/XXXX, a company who calls themselves " First Financial '' called my XXXX year old mother 's home looking for me. Mother 's phone # XXXX. The call came from # XXXX. They asked for me by a prior name, ( XXXX XXXX ). I haven't had the last name XXXX in over 9 years. They told my mother they were looking for me to collect a debt and they had a 'claim ' against me. My mother tried to find out more information but they refused to give her anything. My mother was highly upset which is not good for an elderly woman. I personally called XXXX to find out more about it. I spoke with a man calling himself XXXX who said he was from XXXX GA, company named First Financial. I asked what he wanted and he said he had a claim on XXXX XXXX. I told him my name was no longer XXXX XXXX. I asked him to stop calling or at least mail something to me and he refused. I asked him to stop calling my mother and he said until it's resolved he won't take the name XXXX XXXX off of his list and won't take my mother 's phone number out of his list either. I want this stopped. I had a bankruptcy in XXXX under the name of XXXX XXXX and I shouldn't owe anyone anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cordoza & Wexler Recovery Services
State: LA

Complaint narrative:
I received a voicemail from XXXX stating I needed to call back XXXX to avoid being served documents that were being filed against my social The caller gave their name, but the call was muffled so I could not make the individual 's name, They did not identify the company they were calling from. I called the XXXX phone number. A man picked up saying his name was XXXX. He did not identify the name of the company. I told him I received a message to call this number. he looked up the number I was calling from and said he was pulling my file from the attorney. After waiting on hold for a few minutes, the call was disconnected. I called back and woman named XXXX XXXX answered. I advised that I had been disconnected. She again looked up my phone number. After some time, she came back and said she was reviewing my file and saw where it stated that I had requested a debt verification letter to be sent. I told her that I did not even know what company she was associated with as no one had said who they were associated with in the calls. She then got very agitated and said " I can see why XXXX hung up on you then ''. She then disconnected the call. I called the number back again. XXXX again answered. I asked him what the name of the company was that I was contacting. He told me it was XXXX XXXX XXXX XXXX XXXX. I asked for the address. He gave me an address of XXXX XXXX XXXX XXXX, XXXX, NY. While XXXX was still on the phone, I XXXX the address he gave me and it came up as being a XXXX store. I told XXXX that the address he provided was for a XXXX store. He told me I was lying and that was their physical address. He then disconnected the call. I contacted the XXXX store at XXXX. I verified that their correct address was XXXX XXXX XXXX XXXX, XXXX, NY. I asked if there was a neighboring business by the name of XXXX XXXX XXXX XXXX XXXX. The associate stated that there was no business by that name that was physically located at that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian put a fraud alert on my file without my permission. Then they sent the alert to other credit bureaus. 

I tried to get them to take it off but they didn't have a contact number other than the one I used to what they claimed to call to take a freeze off or fraud. 

When you call the number you don't get a person only a machine asking you questions to verify or the machine hangs up on you. 

I answered the questions waiting to make a freeze selection that never happened and once it collects your information it tells you it just completed a fraud alert and that it would share that information with all the other credit bureaus. 
I called XXXX to find out if there was a freeze alert or fraud alert and could not get a straight answer from them. 

I called XXXX and they have my file in some special handling department that I didn't authorize and when I found out about it in XX/XX/XXXX or XX/XX/XXXX When they could not tell me why. 

I told them to take my file out of that department after speaking to several managers and supervisors. They assured me my file was removed but I've contacted them several times and each time since XX/XX/XXXX to now my file is still in that specisl department.

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 2019-03-26 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
On XX/XX/2019, I was called by XXXX XXXX XXXX regarding a friend who had used me as a reference. They proceeded to ask me for my friends information, which I find very invasive. I declined and let them know I would inform they called.

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 2019-03-26 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
The New York Community Bank office in XXXX XXXX [ XXXX XXXX ] ran a background check on my Social Security number thru XXXX  XXXX after I had opened a CD and checking account on XX/XX/XXXX and determined that I had to bring my SS card to the office for identification purposes. I went to the bank to ask why I was asked to bring the SS card since I was an existing customer of NYCB for several years. They claimed that someone else had been heavily using my social security for several years. I immediately initiated the investigation by contacting the credit bureaus, Social Security Administration and XXXX XXXX to obtain the reports. Every report came up clean. The only name associated with my SSN was mine. I went back to the bank in XX/XX/XXXX and spoke to Management regarding the results of my investigation. They told me to contact XXXX XXXX again and ask them run the report by using my SSN only. I contacted XXXX XXXX several times to review the info linked to my SSN and no errors were found. Since the bank is the only institution seeing the other individual linked to my SSN, I asked them several times to provide me with a general letter indicating the issue without disclosure of the other individuals identity so I could initiate a proper investigation. Management has denied my request multiple times in the most unprofessional manner. On my last visit to the bank [ XX/XX/XXXX ] I was informed that the individual linked to my SSN had died in XX/XX/XXXX. Where is the bank getting this info from? Why none of the agencies I contacted has this info? They told me to ignore the whole issue with my SSN, to let it go. They further said that they did a background check on my SSN because everyday people open bogus, suspicious accounts. Were my accounts bogus and suspicious? That comment alone was extremely offensive. My parents, loyal customers of NYCB for over 20 years, are taking their business elsewhere. 

The rude, dismissive, impolite, unprofessional behavior and negative comments made during my recent interactions with management are a clear indication that the bank is discriminating against me. Providing me with a letter I have requested so I can initiate an investigation to ensure that I am not a victim of identity theft is the least the bank should do besides the apology for their discriminatory behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is reporting incorrectly to Equifax and XXXX that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX   have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have been following up with Equifax regarding some incorrect information they are reporting about me. I sent in a dispute on XX/XX/2019 and they sent me back the incorrect report. They are still reporting the balance of {$160.00}. I have a letter from XXXX XXXX XXXX XXXX saying it was paid in full. 

I would like to know why I was sent the incorrect report. I need this removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
On XX/XX/2019 I received notification from XXXX XXXX about up date and changes to on my credit report. On the updated TransUnion credit report, TransUnion removed an active up today account which is my XXXX XXXX account. TransUnion stated to me " that account was disputed on XX/XX/2019 and asked to be removed. '' Will this is a complete lie I called and ask for the amount on the account to be updated.I call them on the morning hours of Monday XX/XX/2019 around XXXX XXXX I called about adding XXXX XXXX account back on my husband credit report customer service had to transfer me to fraud department because my husband fraud alart placed on his account about 15 years ago.I was as the called progressed the conversation became heated between the agent and myself. We went at it for 50 minutes so I truly believe the agents at TransUnion removed XXXX XXXX from my account because of the dispute between him and I. TransUnion refuses to look at the entire account and statements made on XXXX the XXXX as well as the recorded conversation. TransUnion agents tried to tell me myself or XXXX XXXX " had the account remove. '' This is a complete lie this account was removed without my or XXXX XXXX 's acknowledgment or permission.

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 2019-03-26 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: Freedom Mortgage Company
State: FL

Complaint narrative:
We have been customers with Freedom Mortgage for 4.5 years -  XX/XX/2014 during that time we have never made a late payment on account number XXXX. That is until this year dated in XX/XX/XXXX. 

If you review my file history you will see I did in fact make payments on time for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The payment had gone up XXXX dollars in XX/XX/XXXX without my prior knowledge. Freedom mortgage took the payment that I have been accustomed to paying via bank draft as it does every month. Same as XX/XX/XXXX and XX/XX/XXXX. 

On XX/XX/XXXX I received the first notification from freedom mortgage stating my account was past due, confused and unaware of why it would be past due I contacted freedom immediately. It was on XX/XX/XXXX that I was made aware that my account was {$90.00} short ( {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX {$30.00} XX/XX/XXXX ) and had already been reported to the credit bureau. On XX/XX/XXXX I also learned that the amount debited from my bank account had been placed in a reserve account with Freedom. NOT including XX/XX/XXXX, which freedom accepted. 

I travel for work and am only home 3-4 days a month had no idea that my XX/XX/XXXX payment was going to be placed in a separate account. Same as my XX/XX/XXXX payment. When looking at my bank account the funds had been accepted just like XX/XX/XXXX. I never once received any sort of notifications of this. 

According to my bank account information and payment history I have always made my payments on time. My credit has lowered 100 points  based on this {$90.00} Freedom mortgage did not provide ANY communication to me about the reserve account, the shortage, reporting to the credit bureau or give me an opportunity to resolve the issue. 

I contacted freedom mortgage on multiple occasions with no resolution to the issue Please advice how we can rectify this situation and remove the impact this has on 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 2019-03-26 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I have contacted Shellpoint Mortgage and XXXX XXXX in regards to load number ****** for the property address ****** XXXX, XXXX XXXX, CA, XXXX. 

This loan has been recently transferred from XXXX XXXX to Shellpoint Mortgage Servicing in the month of XXXX. I would like to firstly note that I have not received any notification whatsoever from both Shellpoint and XXXX XXXX about this change. 

Additionally, I also see that Shellpoint account reports 3 payments due for the months of XXXX, XXXX and XX/XX/2019. I paid the XXXX and XXXX payments to XXXX XXXX. Please find the monthly statement for XXXX from XXXX XXXX which shows no statement balance, and also my monthly statements which show 3 payments made to XXXX XXXX ( for XXXX and XXXX ) out of which I had to revert one due to duplicate payments processed. 

I reached out to both Shellpoint and XXXX XXXX in regards to this in the past one week without much success to get this resolved. I can only pay my XXXX payment due when : 1. I receive my monthly statement from Shellpoint 2. I receive a transfer notice from XXXX XXXX and Shellpoint 3. My outstanding balance due is fixed at Shellpoint. 

I would appreciate your help expediting this request to correct the balances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Today, XX/XX/2019, I received an email alert from " XXXX XXXX '' informing that my credit score had dropped. I checked my credit report and it showed up a " delinquent account '' on my credit card ending on XXXX, from Barclays, for the amount of {$99.00}. 
I don't use this credit card for almost a year, but then I checked to see what had happened, an then it showed an amount owned due to an annual fee. Fee has already been paid, then I called Barclays to see if they could confirm the payment and remove this information from credit report. 
They refused to help and informed me that my only alternative was to contact the credit bureaus and open a dispute. 
I've had this credit card a while but havent been using it. Never received a letter or a single phone call from them, informing of any past due annual fee. There was no annual fee before, I just realized that they were allowed to charge this fee after a certain period of time, but that was not clear to me before and like I said, I did not receive not even one phone call or message from them informing about a past due fee. the payment was provided, I just want them to remove the incorrect information from my credit report. Main issues that I see : 1. Information about the fee was not clearly disclosed to me ( if there was a fee, when they exactly would start charging it ) since there was no annual fee before 2. Never received a letter/email/phone call about the fee. 3. Not one single notice via email/phone call or written letter about a past due fee before they would just send my information to the credit bureaus

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 2019-03-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX is reporting incorrectly to XXXX  and Transunion that I am an Authorized User on XXXX Card - partial account number XXXX. ( Please see page 10 of the attached credit report. I called XXXX XXXX   and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. The incorrect reporting is harming 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