vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: NC

Complaint narrative:
SunTrust Bank failed to reasonably and timely respond to four ( 4 ) emails requesting an increase to monthly principle payments ( XX/XX/2017 ; XX/XX/XXXX, XX/XX/XXXX ). SunTrust Bank failed to act upon request. All emails were sent through SunTrust 's secured client portal. Original message is as follows : " Please increase my additional bi-weekly payment from {$120.00} to {$250.00}. Apply all monies in excess of original monthly mortgage payment of {$3.00}, XXXX to principle. These actions, aggregated, should equate to fifteen ( 15 ) total payments per year with three ( 3 ) payments going straight to principle. If not, please let me know. Thanks! - XXXX XXXX-XXXX. '' Three more request with heightened warning and conspicuous subject lines of " Formal CFPB Compliant to be Filed! '' went unnoticed and received no response. SunTrust 's actions and inactions were negligent, and I was financially harmed.

- XXXX XXXX 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 2019-05-20 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX AND WELLS FARGO DEALER SERVICES ARE WRONGFULLY PUTTING FORTH INFORMATION THAT APPEARS HONEST AND CORRECT ON ITS FACE YET, WHEN THE RESULTS OF INVESTIGATION AND FACTS IN THE COMMON PURVIEW ARE REVEALED ... XXXX  AND WELLS FARGO MAY HAVE A LEGAL PROBLEM WITH THEIR ATTITUDE AND INSISTENCE ON A LACK OF FORBEARANCE TO STATE SOFTLY AND MAY BE CONTRARY TO DODD FRANK CHECK CLEARING LAWS, THE FCRA AND THE FDCPA.HERE AND BELOW I STATE MY SIMPLE CASE THAT I WOULD BE HAPPY TO BE HEARD BY A SMALL CLAIMS MAGISTRATE AND THE XXXX SUPERIOR COURT WHICH XXXX  AND OR WELLS FARGO WOULD LIKELY APPEAL TO ... ... ..SHOULD I DECIDE TO SPEND {$60.00} TO TAKE THIS CFPB CASE TO COURT. 
WELLS FARGO DEALER SVCS. ACCOUNT NO XXXX .... HAS DESTROYED MY CREDIT FOR 5 YEARS BECAUSE WELLS FARGO CLAIMS THEY WERE NOT PAID {$250.00} THE FINAL PARTIAL PAYMENT ON A CAR LOAN ... WELLS FARGO 'S PRESIDENT 'S OFFICE HAS RESPONDED TO EARLIER CFPB COMPLAINT STATING THAT MY FINAL CHECK BOUNCED AND THAT THAT CHECK TOOK 47 DAYS TO BOUNCE OR BE CLAWED BACK BUT THAT WF HAD A BAD CHECK FROM ME DETERMINED 47 DAYS AFTER RECEIPT FROM ME. 
THIS CAR LOAN WAS PART OF A GROUP OF LOANS UNDER AND STILL IS UNDER SCRUTINY OF THE CFPB AND THAT WF PAID XXXX XXXX AND THE PRINCIPAL OF FOREBEARANCE WAS USED TO REDUCE THAT XXXX XXXX DOLLAR FINE TO XXXX XXXX FROM XXXX XXXX DOLLARS ... 
THE LARGEST CFPB FINE IN HISTORY AGAINST A BANK FOR UNSAVORY BEHAVIOR BY THE CEO CFO AND IT HEADS .... WELLS FARGO.

HERE IS THE ISSUE ... DURING THIS YEARS LONG TIME WHERE WF WAS MISSING {$250.00} FROM ME THEY WERE ACTUALLY IN POSSESSION OF IT BECAUSE THE CFPB DETERMINED THAT WELLS STOLE THAT MUCH FROM ME IN MY AUTO LOAN GIVING INSURANCE REQUIREMENTS THAT WERE ILLEGAL. 
SINCE THE CFPB DETERMINATION, LONG AFTER THE 5 YEARS OF DESTRUCTIVE CREDIT REPORTING BEGAN UN-CEASELESSLY I RECEIVED A CHECK FOR AN AMOUNT SIMILAR TO THE XXXX DOLLARS BECAUSE WELLS WAS FORCED BY THE CFPB TO RETURN AT LEAST A PORTION OF THE MONEY WELLS STOLE FROM ME BACK TO ME ....

SO WHILE WELLS WAS CLAIMED XXXX DOLLARS OWED TO THEM, THEY ACTUALLY POSSESSED STOLEN FUNDS THAT THEY CRAFTILY STOLE FROM ME IN MONTHLY PAYMENTS THAT EXCEEDED THE XXXX DOLLARS THEY WANTED BACK BECAUSE MY CHECK TOOK 47 DAYS TO BOUNCE. 

WHAT DO YOU SAY ... SHOULD WELLS AND XXXX GO TO SMALL CLAIMS AND SUPERIOR COURT WITH ME OR MAKE A BUSINESS DECISION AND DELETE THIS ACCOUNT?

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 2019-05-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
On XX/XX/2019, I had an alert by my credit monitoring service that Equifax is reporting a new inquiry by a company called XXXX for a bank card on XX/XX/2019. 

I did not apply for a bank card with this company. 

On XX/XX/2019 I attempted to report this inquiry as fraudulent to Equifax through their website. The website informed me that I could not get access through the web to my personal information even though I had set up an online account with Equifax on XX/XX/XXXX to report a fraudulent new credit inquiry on XX/XX/XXXX by XXXX XXXXXXXX XXXX 

I was directed to call XXXX. I called 3 times on XX/XX/XXXX. I could not navigate the phone tree to reach an operator. Each path down the phone tree took me to a recording that instructed me to go though the website that directed me to call the number. 

On XX/XX/XXXX, I called XXXX and was directed by the operator to call XXXX. The operator at XXXX asked me security questions to identify myself. I believe that the correct answers to the security questions were based on fraudulent information as they were asking about credit accounts that I do not have. I could not " correctly '' answer these fraud based questions and so I was informed that I can not proceed to discuss my account. 

On XX/XX/XXXX I put a freeze on my account with XXXX and XXXX. I do not know if my credit is frozen through Equifax. I do know that there is at least one fraudulent credit inquiry on my Equifax report, but there may be 2. I reported the fraudulent XXXX   inquiry as fraudulent but I can not get access to my account in order see how the findings of their investigation into that credit inquiry. 

I fear that the XXXX inquiry resulted in opening an account because I can not even dispute the credit inquiry since I can not prove my identity to Equifax. I believe that my identity information has been used to open accounts that I am not aware of and that that information is being used as " security '' questions when I am trying to access my credit file with Equifax. 

Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: GA

Complaint narrative:
I paid XXXX medical bill to American medical collection onXX/XX/2019 well after paying the bill I started monitoring my credit and it still show unpaid so I called AMC to inquire and ask why they had not reported it paid the lady was very rude refuse to let me speak with a supervisor to express my concerns she explained to me it may take up to 60 days before they report it paid now that don't seem right in the information age with a click of the keyboard to show paid Now they may be charging the company who holds the debt I am not sure but if I paid the debt it should be removed within a ample time 48 hr at the most its only take them 2 hr to generate a file for collection as a consumer I think someone should consider a legal approach by not removing something paid you are affecting my credit score which have an affect on my purchasing power to get the best rate or may not be approved at all now that seems like double jeopardy especially when it is a bill you didn't know about I have reach out to my congressman and other elected offical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The company has refused to accommodate my XXXX and has refused any interactive good faith process to accommodate my XXXX in accordance with the XXXX. 
Each time I asked I was ignored or hung up on. 
This happened over 20 times.

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 2019-05-20 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: CA

Complaint narrative:
XXXX and experian both continue to display an inadequate and fraudulent collection account on my credit report. XXXX hospital does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX XXXX active during the alleged incident the account can only be labeled as a billing error on XXXX hospitals end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.

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 2019-05-20 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZIONS BANCORPORATION
State: PA

Complaint narrative:
After being in repayment for a few years on my Federal Direct Student loans that totaled about XXXX, I was sent information from XXXX XXXX XXXX XXXX XXXX XXXX Sales XXXX Processing about consolidating my loans for a better interest rate. I had no idea that by consolidating my loans that I was going to be transferring my loans from Federal Direct government loans to a private loan. This was never indicated to me. I was told that my loans would stay with my servicer, XXXX XXXX and that I was being offered interest rate reductions for consolidating. My payments all stayed the same. This happened in XX/XX/XXXX. 
Then, in XX/XX/XXXX I applied for the Public Service Loan Forgiveness program. I was qualified for the program as far as I knew since I'm a XXXX   XXXX XXXX and was making payments on my student loans. The problem came about when I learned that my federal direct loans were actually converted to private loans with ZIONS FIRST NATIONAL BANK and I wasn't eligible. This news was devastating. I had no idea that by consolidating my loans I had been transferred to a private bank. I didn't even know that was possible! Neither XXXX XXXX or XXXX XXXX XXXX clearly state that this was the case. In fact, the estimate even stated 'Department of Education ' in the quote. Now, I'm getting closer to retirement and will be carrying student loan debt with me that should have been forgiven in the PSLF program.

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 2019-05-20 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: CA

Complaint narrative:
TransUnion and XXXX both continue to display an inadequate and fraudulent collection account on my credit report. XXXX XXXX does not handle there own collections and as a result of a favorable dispute filed against XXXX XXXX XXXX for an account that was completely covered my my XXXX   XXXX XXXX XXXX XXXX plan active during the alleged incident the account can only be labeled as a billing error on XXXX XXXX end or ID theft of some sort. 

XXXX XXXX XXXX now displays the collection under the hospitals name but with there adrress. 

That on its own is out right fraud.

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 2019-05-20 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery if you would please contact XXXX again to remove the account XXXX  from my credit report I have sent them many times your response to CFPB to remove and to this day they refuse to do so. thank you very much

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The following phone numbers have been calling a few times a day during the night XXXX. 
XXXX, also this number XXXX, XXXX. 
I have asked for the name of the company or name of the person calling but They Do Not tell Me or respond. 
I am living in a TIMEZONE 12 HOURS AHEAD OF E.S.T. WE are living in XXXX. So If a person or company wants to call they MUST call during evening hours as it is day time here. 
The debts they are calling about started with XXXX XXXX for a Bad Job that was done on MY wife. I took out personal credit with 2 companies that XXXX XXXX recomended so They could fix My Wifes XXXX.This started in 2018. WE started paying then stopped but still are paying some but WE are past due on All of these accounts. 
Thank You for all You do.

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 2019-05-20 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
27th complaint. PLEASE INVESTIGATE. I have made numerous attempts to correct the inaccurate reporting by Wells Fargo via CFPB, DIRECT DISPUTE, AND DISPUTING WITH THE CREDIT REPORTING AGENCIES. I was a authorized user for Wells Fargo account. Some way Wells Fargo has listed me as the co-obligor. The obligor filed Chapter XXXX bankruptcy XX/XX/2019 when the account was not past due. Wells Fargo decided to charge-off XX/XX/2019. Wells Fargo had a XXXX balance and decided that they would charge the account off on XX/XX/19. The XXXX balance is actually interest. Based on the history of the account, the obligor was only paying interest because of a 12 month no interest. After the last dispute, Wells Fargo waived the {$300.00} balance and advised of a {$21.00} refund but still reported inaccurate, negative reporting to my Credit Report. Paid Charge-off is still negative. This account/scenario should have never been charged off. PLEASE DELETE THIS TRADELINE OF MY CREDIT. THE INACCURATE CREDIT HAS DAMAGED MY REPUTATION AND CREDIT RATING. 
XX/XX/2019 Reported as charge-off XXXX XX/XX/2019 Reported as 120 days past due XX/XX/2019- Reported as 120 Days past due XX/XX/2019 Reported as Paid Charge OFF Wells Fargo waived fees of {$300.00} and then advised that a refund of {$21.00} is been sent. This is inaccurate reporting. 
Please Note : Based on the Credit Reporting Resource Guide, an account can not go from Charge-off to Past Due This is inaccurate reporting. 1st of all this should have never been reported on an authorized user credit. 2nd the reporting is inaccurate and not compliant with the FCRA and the most updated version of the Credit Reporting Resource Guide. 3rd a paid charge off is if a obligor pays an amount that was charged off. WELLS FARGO SHOULD HAVE WAIVED THE FEES WHEN THE OBLIGOR FILED BANKRUPTCY AND CLOSED THE ACCOUNT. Due to the inaccurate reporting, Wells Fargo has caused SERIOUS damage to my credit. I have been declined a job opportunity and creditors have lowered my credit limit due to the Serious Delinquency that Wells Fargo has reported. I have made several attempts but continue to receive inaccurate reporting. This is a violation of FCRA and UDAAP. I am requesting that the CFPB investigate my complaint and also review other complaints that are alike. I am holding Wells Fargo, Credit Reporting Agencies, and the CFPB responsible for the inaccurate reporting. I have fulfilled my duties as a consumer in notifying all parties of the inaccurate reporting. PLEASE ESCALATE MY DISPUTE TO YOUR LEGAL DEPARTMENT. PLEASE READ ALL OTHER DISPUTES AND RESPONSES AS PART OF YOUR INVESTIGATION

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 2019-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has refused to update my paid credit account with XXXX XXXX XXXX. Account # ending XXXX, account # XXXX. 

I have forwarded Transunion a copy of the settlement letter from XXXX XXXX XXXX and a copy of my paid receipt. 

Their failure has lowered by credit score and they are violating my rights under the fair credit reporting act.

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 2019-05-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Circle Internet Financial
State: MI

Complaint narrative:
I used Poloniex to trade/exchange virtual currency. Upon requesting a withdrawal, the company is refusing to release the funds. 

They are stating " fraud prevention '' and creating significant barriers to completing the withdrawal including : - picture of myself holding : -- picture of my ID -- handwritten note stating the exact withdrawal amounts & exact cryptocurrency address for the withdrawal destination While on the face this seems as protection against fradulent transactions, in practice these are nearly impossible to accomplish due to the following reasons : 1.  Cryptocurrency hashes are long and impossible to remember. Often the requester address changes and by design for some currencies so they are 1-time use. 
2. Crypto amounts are not easy to remember as they contain many decimal points making them virtually impossible to remember 3. When logging in to their site at poloniex.com all information is blocked so it is impossible to view any transaction history including the addresses and amounts listed above, making the requested information pretty much impossible to find. 
4. I hate pictures of myself. I should not be required to provide this and find it to be an egregious request compared to standard ID verification, which I have already completed when becoming an account holder. 

I communicated my concerns to the company, but they have refused to offer any other method and are refusing to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 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 — Problem with personal statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I used to live in XXXX. I leased Lexus car my payments used to {$490.00}, never missed a single payment. I then moved to XXXX, sale tax has increased by XXXX dollars. I did not receive any note or letter or notification asking me asking to pay XXXX   dollars more a month. I continue to make payments for {$490.00} via automatic debit, Lexus continued to debit $ XXXX month.I XX/XX/2017 I was shocked that I was reported for late payment even though I always paid the XXXX via automatic debit, Lexus stated that I had to pay {$500.00} ie XXXX dollars more.It would have been easy for me to pay the XXXX had I known about it. Have never in my life missed a payment. I believe that this is unfair practice since any logical person can realize if I am paying {$490.00} i could have easy been able to pay the who {$500.00} had I known that this my about due .I never intended to delay in payment just dd not know. When I new form my credit report I immediately pain the deference, I beige is unfair to label my credit report with late payment where I clearly paid the money ( {$490.00} ) every month via automatic debit, for very brief time the amount was XXXX dollars short just because I did now. I contact Toyota /Lexus they wot even talk to me and refused to work with me on that. I disputed this but was unable to change this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: PA

Complaint narrative:
I would like my Discover account to send proof that I am liable for the debt since I have sent numerous letters to them demanding I own the debt, but have received 0 response for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I was in the hospital for an extend amount of time. before my stay in the hospital I made sure that my account was active and that no charges would go though on the account. When i was gone various charges where made by one merchant, XXXX which bypassed my instructions to not give me any overdraft protection and deny and charges when funds are not in the account. XXXX transaction are not covered because it was a ACH transaction and the protection that was given was only for credit card charges and this was not explained to me. Now I have over {$200.00} in fee 's on my account.

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 2019-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Not mine. Section 609 states that you're required to send me the paperwork associated with this account. Furnish or remove. Section 623 states that the creditor can not continue to report it when disputed, unless they have proof to the contrary ATTENTION : XXXX has notified XXXX XXXX XXXX to cease and desist all collection efforts against XXXX XXXX. PLEASE REMOVE THIS ITEM FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation