vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX  refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX has reported to XXXX two accounts in my name that have been charged off however are still reporting. The address on file with these two accounts does not and has never belonged to me. I ask for the debt to be validated and the company can not provide my original signature but XXXX refuses to stop disclosing this inaccurate information. 

XXXX XXXX Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: DC

Complaint narrative:
Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority. 

We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt. 

We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX. 

This is just one of a long line of problems we have had throughout the lending 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 monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: OK

Complaint narrative:
i have asked Medical data systems and XXXX, XXXX, and XXXX to validate this debt. i have asked for the information that are using to be sent to me that proves this is my debt, I DON'T GIVE PERMISSION TO ANY OF THE LISTED NAMES ABOVE TO HAVE MY MEDICAL RECORDS, SO DO NOT TRY TO PROVIDED AN ITEMIZED STATEMENT FOR THAT DOES NOT VALIDATE A DEBT UNDER FTC OPPENION LETTER THE NEED TO PROVIDED AT, PROMISSERY NOTE OR AGREEMENT MADE BETWEEN ME AND THE ORIGINAL CREDITOR THAT SHOW AN AMOUNT THERE NAME MY NAME AND HAS MY SIGNATURE. THAT IS THE ONLY VALIDATION THAT WILL BE EXCEPTED BY ME AND BY ANY COURT. 
IF I DONT GET THIS INFORMATION THAT IM REQUESTING ILL WILL FILE IN OKLAHOMA COURT AND SEEK FOR THIS INFORMATION AND IF THEY CANT PROVIDED IT AT THAT TIME I WILL ALSO ASK FOR A MIN. OF {$1000.00} PER REPORT. 

IF THEY PROVIDED AN ITEMIZED STATEMENT THAT HAS ANY OF MY MEDICAL RECORDS OR CONDITION ON THEM I WILL THEN SEEK FOR MAX ALLOWED IN COURT AND FILE WITH ATTORNY GENERAL SEEK MAX FINES. 

I'M ONLY ASKING TO VALIDATE ACCOUNT WITH A CONTRACT THAT BEARS MY SIGNATURE THATS 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 2018-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
This correspondence is in regards to the collection listed currently on my credit file. First I would like to say that this collection does not belong to me/it is due to fraud. I reached out on XX/XX/XXXX and left a message for an account rep ( XXXX XXXX ) to give me a call back. I never received a call back. 

I reached out on XX/XX/XXXX and spoke with XXXX at ext. XXXX ; who was very abrupt.. I tried to explain to him that this account did not belong to me. He asked me questions to confirm my identity. He couldn't locate me BUT afterwards he asked me for the account number. I looked at the document that was sent to me a couple weeks ago. After I went through then entire statement ; he states that he could not speak to me because this account was listed in bankruptcy. I tried to explain to him the situation about the identity theft ; etc. ; BUT he would not speak with me. He stated that he needed to speak with my bankruptcy attorney or I needed to get something back in writing from my attorney giving him permission to speak with me. 

I called back again shortly afterwards and spoke with another representative stating the same thing. I asked her this question. If this is included in the bankruptcy, why is it reporting separately on my report? She stated that I needed to send a letter stating that they could speak with me about it. 

I am still maintaining that this bill is in regards to identity theft ; BUT the fact still remains that it should not be showing on my report as a separate entity. It should be removed ; as I am being penalized twice. 

I asked if I could show a police report stating showing that there was identity theft on my name ; she told me no. 

I have included the negative report on my credit report ; as well documentation from the Bankruptcy. You will see on page 15, column 2, and line 1 ; Monterey Financial Services is listed as a creditor. Also on page 14 XXXX  ( original creditor ) is listed on this Bankruptcy report. This identity theft was done prior to my knowledge of it even happening. 

I would also like to point out that XXXX XXXX senior manager responded back out to me on XX/XX/XXXX ; which was in violation of the law because of my bankruptcy. 

What I have attached is : a. written statement ( which shows my credit reporting ) b. Company 's response c. Bankruptcy filings that list Monterey and XXXX listed. This bankruptcy was filed prior to my knowledge of identity theft. 
d. Police report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Adjustment Company Incorporated
State: IL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to Capital One several times to remove me as an authorized user, however, Capital One continues to report account open on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
I filed a complaint with XXXX XXXX the issuer of my XXXX XXXX XXXX, on XX/XX/2018 that I was the victim of fraud on my credit card. My husband pressured and forced me to turn my card over to him right away. He charged it up to the limit and never let me make any purchases at all. I was the victim of domestic and financial abuse. 

I called today to find out the status, and was told that I benefited from this. I don't understand how I benefited from being the victim of domestic abuse. They said I had to file a police report, but, if I did that, my husband -- who I don't live with and am in the middle of a divorce from -- could possibly hurt me physically. That's even if the police were willing to take a complaint. 

I'm still a victim of fraud even if I don't want to risk getting hurt by reporting it. Taking away my access to credit and putting a wrongful debt against me is profiting from domestic abuse. I didn't ever get to use the card. 

The company gave me a fax number to reopen my fraud complaint, but, it wasn't any good. I tried to fax the attached documents but it didn't work.

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 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: FL

Complaint narrative:
I called in to complain about two unauthorized charges on my card to the representative on XX/XX/XXXX in which they mailed documents to me to complete. I submitted bank statements from their website with my information of the two charges that I did not authorized. I have also receive a letter that is dated on XX/XX/XXXX stating that " The results of our investigation could not find where an error has occurred. Therefore, no adjustment can be made to your Card account for the amount in question. You may request a copy of the documents which were used to decide the dispute investigation. As I receive this letter I called that same day and was told to write out a complaint in which I did XX/XX/XXXX and faxed it back to them. For they indicated that the information was not sent to them in a timely manner. Now as I indicated that I did comply with XXXX XXXX that I have no control over the US postal services how and when mailed is delivered from their establishment. But, Nevertheless the documents were sent to them in a timely manner. The company that took money from my account on XX/XX/XXXX in the amount of {$260.00} and on XX/XX/XXXX in the amount of XXXX. For this company has taken funds from my account beginning XX/XX/XXXX-XX/XX/XXXX and have no intentions of refunding my monies to me even though I contacted XXXX XXXX   about this incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: GA

Complaint narrative:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.

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 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I requested to the primary cardholder to be removed as an authorized user on account. Cardholder made request to XXXX XXXX several times to remove me as an authorized user, however, XXXX XXXX continues to report account open on my credit report as open.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received the included email from Bank of America, stating : Hi, XXXX, we would like to remind you the promotional rate you're currently receiving on your balance ( s )  listed below will expire in approximately 90 days After the expiration date, any remaining portion of the balance will be charged at the Annual Percentage Rate ( APR ) noted below. 
Offer code : XXXX Transaction type : Direct Deposit Cash Advances and Check Cash Advances Promotional APR : 0 % Promotional end date1 : XX/XX/XXXX Current balance 2 : {$6500.00} APR after promotion ends : 20.99 %, a variable APR based on the U.S. prime rate New transactions do not qualify for this Promotional Offer. 

However, after making a payment of {$6500.00} on XX/XX/XXXX, It was applied to the loan that was not due until XX/XX/XXXX and nothing was applied to the payment that was due on XX/XX/XXXX. This resulted in a interest charge of {$120.00}. 

Also, a secret balance due not show on statement was resulting in interest charges for non existing purchases. The charges were : XX/XX/XXXX {$6.00}, XX/XX/XXXX {$6.00}, XX/XX/XXXX {$3.00}. 

Even though interest was prepaid on 2nd loan thru XX/XX/XXXX, I was not able to make good on this since I was now required to payoff XX/XX/XXXX loan before XX/XX/XXXX loan could be paid. This loan had a 3 % prepaid charge for borrowing money thru XX/XX/XXXX which I was forced to pay off 4 months early.

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 monetary relief
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reported identity theft and the accounts were closed only to discover they have reappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
1. Trying to make a principal only payment on my loan 2. The bank informed me that my payment will be applied to interest first and then to principal.

3. The bank will not process my additional payment as principal only.

4. Bank refuses to accept principal only payments.

5. XXXX XXXX & Santander Consumer USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Patrick K Willis Company Inc
State: KS

Complaint narrative:
I am XXXX and was living in my car. XXXX XXXX XXXX and XXXX XXXX XXXX repossessed my car while inside a grocery store, leaving me living on the streets.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 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: Western-Shamrock Corporation
State: TX

Complaint narrative:
ACCOUNT HAS BEEN CHARGED OFF, XX/XX/2014 IN THE AMOUNT OF XXXX XXXX IT STILL SHOWS ON MY REPORT, REACHED OUT TO THE COMPANY WITH NO RETURN RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Optimum Outcomes, Inc.
State: NC

Complaint narrative:
This account was listed under the bankruptcy ; however its still being reported separately on my credit reporting. Basically, I am being penalized twice. 

The bankruptcy was filed on XX/XX/XXXX. This was reported XX/XX/XXXX. 

Also, I believe this debt was due to identity theft/fraud. I have recently gained knowledge of fraud using my social security number. I have attached the bankruptcy filing which will list Optimum Outcomes on page 15, column 2, 5th row. 

The police report has also been attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
XXXX 's client XXXX XXXX is a victim of ID theft. His information was used without his consent to apply for an account with CBNA/Best Buy. An account with CBNA Best Buy was estaliblished and charged for {$4300.00} dollars. This was done without the consent of XXXX XXXXXXXX. An official dispute of this information was submitted to CBNA/Best Buy fraud department XX/XX/XXXX ; however as of this date CBNA/Best Buy has failed to provide an update of the investigation and they have continued to report the account to XXXX XXXX 's XXXX  credit report. In addition an official dispute of the CBNA/Best Buy account was submitted to XXXX ; the address associated with the fraudulent account was also reported to XXXX  however, as of this morning XX/XX/XXXX " XXXX '' a representative with XXXX confirmed with my client, XXXX XXXX the fraudulent address and CBNA/Best Buy information was not being removed. 
Both XXXX  and CBNA/Best Buy are in violation of FCRA and have violated my client 's federal consumer rights.

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 2018-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered eye and skin cream samples from an online company called XXXX XXXX for {$5.00} and {$4.00}, respectively. I did not see anywhere a commitment to return the produce within 2 18 days, as they claim, or be charged for the samples as well as full price for their product, which the company is claiming. When my credit card came in and I discovered additional charges of {$98.00} by XXXX XXXX and {$89.00} by XXXX XXXX, dated XX/XX/XXXX and XX/XX/XXXX. I contacted my credit card company and disputed the charges. They closed that account and sent me a new card. The next month, I had charges on the new card from the same companies - {$98.00} charged by XXXX XXXX and {$89.00} charged by XXXX XXXX.I definitely did not authorize those charges and disputed them as well. I returned the product by mail to the company address on the package but have not received any kind of refund or acknowledgement from the company. 

In the documents sent to me by CitiCards, XXXX claims to have sent me a refund ( see attachment ) but none has been received. I can not understand the XXXX response. 

I understand that I made a mistake in not reading ALL the fine print but I believe CitiCards is in error by allowing the second set of unauthorized charges to go through onto my replacement card, especially after I had contacted them. I believe it makes CitiCards complicit in the deception propagated by the skin care companies.

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 2018-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: PA

Complaint narrative:
I deposited a check written in another name. Bank put a hold on the account for the funds and will not release them after the check has cleared through the bank. Bank has opened a savings acct and will not release funds unless the other party comes into a branch location and endorses the check, ( which has been already done ). Other party lives outside the state and I was simply cashing a CASHIERS CHECK for her since she didn't have a bank account herself. The check has not been reported lost, stolen, etc and the longest the bank can hold the funds is 30 days. It has been over that time and the fraud department advised me there is nothing that can done to release the hold on the account. I believe this is total discrimination and I need the funds to be released asap.

Company response to consumer: Closed with explanation