vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
1. I need to access a very small amount of transaction information for a small business account with Suntrust for which I am listed as the beneficial owner.

2. I contacted Suntrust by phone today, XXXX XXXX, 2021. I spoke with XXXX XXXX. I provided : My name The name of the nonprofit The tax ID of the nonprofit The email address on the account. 

I made available : The business address The business phone number Basic information about the account, such as the date and location of the branch of the opening of the account. 

3. XXXX stated she could not access my account without the last four digits of the account number. 

4. Even though I provided my email address to Suntrust upon opening this account, and even though they sent me emails about my account, none contained the last four digits of the account number.

5. I asked for a supervisor. XXXX said I would have to wait 24-48 hours for a callback. I said I would wait on the line for a supervisor instead. XXXX put me and hold and apparently interacted with a supervisor or manager, demonstrating that one or more was in fact available. Then she hung up the phone on me indicating that she was disconnecting the call.

6. I currently can not access the bank statements because they are in another location hundreds of miles away. 

7. What if someone loses their bank statements and then needs to access the account? Then, they can not do it, except in person? 

8. There are no Suntrust branches near me in my current location of XXXX Illinois, except hundred of miles away. Closest branch seems to be XXXX, Tenneessee, a XXXX to four hour drive. I do n't drive. It will cost me hundreds of dollars to visit a branch and access this information.

9. I called back and spoke with XXXX XXXX. She said she would need the last four digits of the bank account number. I asked for supervisor, who did come on the line eventually.

10. Supervisor, XXXX XXXX, said the bank 's strict policy was : Without the full account number, they need the full tax ID number and the last four digits of the account number. She said she could not access the account.

11. Suntrust has been unreasonable, unhelpful, and created significant burdens with no meaningful relationship to account security. As a policy and practice matter, and as a regulatory matter, Suntrust and other banks should offer additional ways for customers to verify their account information by phone other than the account number ( which most people do not remember, especially for closed accounts ), especially when they do not offer branches nationwide.

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP
State: PA

Complaint narrative:
I opened a US Bank XXXX XXXX XXXX  because they had an offer of a {$750.00} bonus after spending {$7500.00} within 120 days. I met this obligation within 90 days. Now US Bank is saying that my XXXX XXXX  purchases do not qualify for this spend. MY PURCHASE WAS NOT A CASH ADVANCE, NOT GIFT CARDS OR ANY OTHER MONETARY ITEM. IT WAS A COMMEMORATIVE COIN SIMILAR TO A PAINTING OR A GIFT ITEM. It is not fair not to consider this for minimum spend. What if I had bought an appliance and sold it immediately on XXXX. This would have qualified for minimum spend, do not understand the logic of US Bank. I have attached the necessary documents

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 2021-08-23 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: MA

Complaint narrative:
experian has not fix my credit report or fico score after sent them documents

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 2021-08-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/2020 my bill for XXXX dollars did not go through when it was auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage or other credit card because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, I am looking to refinance my mortgage that is currently being financed with BMO Harris Bank N.A., and wanted to take advanced of the current low rates. I had filed for Bankruptcy years ago and both my first and second mortgages ( both with BMO Harris Bank ) no longer display on my credit report. I called BMO on XX/XX/2021 to inquire about the balances owed on the 2nd mortgage or had it been charged-off ( wanted to get an idea of how much I owed, prior to submitting an application for refinancing ). Neither mortgage was included in the Bankruptcy. I was told my inquiry had to be submitted via email at XXXX and that I should get a response within 24-48 hours. I emailed the same day ( XX/XX/2021 ), on XX/XX/2021 I emailed them once again because I had not heard back from them. I received a response with the 2nd email on XX/XX/2021 asking for additional details on my 2nd mortgage to which I provided the response the same day. I emailed once again on XXXX asking for the answers to my questions. I received a response from the Collections Department from the mortgage servicer for my BMO mortgage - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, IL. XXXX. I was told that I had been misinformed and that the response time can be up to 30 days for this type of request as they needed more time to research. I received a letter in the mail dated XX/XX/2021 acknowledging my request and promising to get a response to my request as promptly as possible, and that a response will certainly be given within the times limit required by the law. I had not heard back from BMO or from XXXX ( the mortgage servicer ) and emailed once more on XX/XX/2021. It is now past 30 days since my initial request and I have not heard back from them either via email ard/or mail. I want to refinance my loan ( s ) and can not proceed without knowing if the 2nd mortgage has been charged-off, what balance I owe on it if any, as I am not able to come up with a definite number as to how much mortgage I should apply for. BMO Harris N.A., has made it very difficult for me to move forward with my refinance because they refuse to answer my questions. I do not want to feel bound to dealing with mortgage that is very difficult to deal with.

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 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
All I received was a notice of the amount. The hospital never sent a bill itemizing the amount left to pay. I emailed the hospital the packet for financial assistance and the hospital never returned my phone call or emailed me back to even say they received it. I have a pre-existing condition and due to the nature of my job I was unable to work for weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This Collection must be reported in error. Please provide me with the Validation of Debt and stop reporting it without VOD. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611, you MUST remove this immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

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 2021-08-23 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: FL

Complaint narrative:
I have sent in documentation on inaccurate information reporting on my credit report. The bureau has yet to reply or remove the items from my report. The letter was sent in on XX/XX/2021.

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 2021-08-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Information sent in to credit bureau on XX/XX/2021. The bureau has yet to respond or take action in removing the items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: DE

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2021-08-23 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Below are the accounts that are reporting on my Credit Report : CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$290.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$72.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$220.00} CREDIT COLL ( Original Creditor : XXXX ) -XXXX-Balance {$86.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX {$670.00} CREDIT COLL ( Original Creditor : XXXX ) XXXX-Balance {$1100.00} CREDIT COLL ( Original Creditor XXXX XXXX ) XXXX-Balance {$110.00}

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: MA

Complaint narrative:
XXXX has not fix my credit report or fico score after sent them documents

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 2021-08-23 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2021-08-23 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: FL

Complaint narrative:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: Nelson Cruz & Associates LLC
State: NY

Complaint narrative:
I received a call about a debt that was from 7-10 years ago. I asked for proof of this debt and never received it. A few days later it was on my credit report as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.

I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23 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: OPORTUN FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have filed a dispute through XXXX Credit Bureau and I have called the company twice onXX/XX/2021and XX/XX/2021. The name of the company is Oportun Inc/Progresso Finance. I have been a victim of identity theft and the debt that is indicated on my credit report does not belong to me, as I never opened an account with this company. The amount of the initial loan is {$2600.00}, which is now {$2800.00}. Oportun Inc/Progresso Finance claimed that an investigation was initiated, but this information is still included on credit report.

Company response to consumer: Closed with explanation