vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PINNACLE RECOVERY, INC.
State: WA

Complaint narrative:
My wife and I purchased a timeshare condo on XXXX XXXX XXXX in XXXX. We made this purchase while on vacation, we have never returned to this timeshare. We did join XXXX and used some of the weeks for exchange to other timeshares. XXXX XXXX XXXX have always been difficult to communicate with, and I was tired of dealing with them. I did not remember how long the timeshare membership was for, but I was done with their business practices. The annual dues went up sharply, there were special assessments every time a storm went through the island. I thought the timeshare purchase was for 20 years so I wrote a letter to XXXX XXXX XXXX after the 20 year anniversary and informed them I was done. They just kept sending me bills. I called them several times and asked them what they needed to terminate this relationship, never got a firm answer just more bills coming in for quite a while. I haven't seen any bills from them for a few years. There is a large group of disgruntled timeshare owners who are working on a class action suit against the ownership group, they have changed their business name a few times. I don't know the exact name they are using now. I have a letter I wrote them in XXXX,

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX, this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America has a Military Benefits Unit to help process SCRA benefits requests and I called them on XX/XX/XXXX for my initial request. I was sent the link to submit their on line request form for SCRA benefits and received a case management number of XXXX. I was emailed on the following dates to provide additional documents : XX/XX/XXXX and asked to call which I did, XX/XX/XXXX four emails to provide additional information and I provided, XX/XX/XXXX two emails for additional information and one to call them and I complied with all requests, XX/XX/XXXX three emails for additional information which I provided, and XX/XX/XXXX was an email to say the they were reviewing documents. 
I received a letter for case management number XXXX and a as of date of XX/XX/XXXX on XX/XX/XXXX that my request had be disapproved, because they were unable to locate an account under my name. Received a second letter for case management number XXXX and as of date of XX/XX/XXXX on XX/XX/XXXX that my request was approved. I called on XX/XX/XXXX to get a status update and they were unable to provide one. They were not able to verify if I was approved or if I would receive a refund. I was told to wait on written correspondence. I have not received any additional correspondence as of todays date XX/XX/XXXX. 
The process has been frustrating, because I sent the same information multiple times to the secure email they provided. It is also frustrating that they can not provide an update on the status and/or refund when I contact them by phone. I also had to explain multiple times that the account had been closed in XX/XX/XXXX, but I provided them with the date the account was opened and the full account number each time.

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 2019-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Please be advised SunTrust received a full short sale package along with a short sale offer.  The appraisal was completed shortly after the driveway was repaved to the street and the pipes to the water being lead to the street were repaired.  The builder of the home never added a pipe to the street when purchased the home no water and flooding occurred which no money was able to repair or to even go against the builder.  This home had water damages it was extremely costly to get these repairs and resolve the problem with the Builder.  SunTrust appraiser came in at XXXX0 my payoff is at XXXX and they closed our review of Short Sale and told the listing agent to list for a full payoff to Sun Trust. We listed the property on XXXX to market for that type of offer.  Then Sun Trust right after set a sale date for XX/XX/20.  I contacted FHA and a Housing Counselor to assist us with Sun Trust to allow 180 days to market for their request. Sun Trust them had their Plaintiff Attorney send me a Deed In Lieu right after stating the home should be sold for Equity?  They want the Equity Sale that is why they set the sale date. Not fair to me at all this is my home I occupy this home and I have listened to change the offer to pay them off. I had a short sale offer on the property and sent all my docs? I need a fair response from the lender. 180 days is fair to market this home on the 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 2019-12-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX and Experian throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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 2019-12-05 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: UT

Complaint narrative:
XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.

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 2019-12-05 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: UT

Complaint narrative:
XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.

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 2019-12-05 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: MS

Complaint narrative:
On XX/XX/2019 I disputed a debt placed by Online information services. XX/XX/2019 Equifax closed the dispute verifying the debt. The debt is not in question. The debt is fromXX/XX/XXXX, XXXX. I haven't lived in XXXX since XXXX, I live in XXXX, so how could I have an electric bill in XXXX? My credit report shows I just incurred this debt ( I already paid it. XXXX) It was a billing error I thought was corrected. It was bought by Online Information services and reported as a NEW debt. This is called "reaging" a debt. It is highly illegal to report old debt as new. Equifax obviously has no regard for Consumer Reporting Protection Act.I have attached my drivers license as proof I live in XXXX and have since XXXX. No way could I have incurred an electric bill in XXXX in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Mountain Land Collections, Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2019-12-05 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: UT

Complaint narrative:
XXXX XXXX XXXX Account # XXXX, # XXXX is reporting medical collections to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

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 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: UT

Complaint narrative:
I have been having a very large amount of Fake collection calls from a time barred debt. They are making threats of having me arrested and many other extreme lies. How can I get this information your hands? 

They change their name every time they call and I but XXXX XXXX XXXX is the most commonly used. They are doing everything from changing the last date of delinquency, not following the FDCPA guidelines and making idle threats of having me arrested at my place of work. 

Their latest # is XXXX and they are trying to collect on a cc dept with a last payment date of 2012 I am in Utah so the debt collection time is found here. https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I ordered a bill-pay of an amount of {$530.00} in XX/XX/2019 for paying my XXXX house rent & utility. 

Bank of America deducted {$530.00} from my checking account on XXXX XX/XX/2019. 
Again, Bank of America deducted {$530.00} from my account on XXXX XX/XX/2019. 

I have contacted BOA several times ( 3/4 time ) over the phone. Every time, after talking with the bill pay team and account team, they acknowledge the issue and opened service ticket ( 3 times up to now ) to solve the problem. But every time, they close the case without refunding my money. 

My landlord confirmed to me by mobile massage that her bank did get a single payment for the bill pay order. She mentioned that the first time the check got rejected and got accepted the second time.

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 2019-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/2019 this office obtained a copy of my credit report and it was a result of fraud. I am a victim of Identity Theft and I ask this office to handle this in a serious manner. I have XXXX XXXX and additionally signed up for credit monitoring services with the credit bureaus and have reached out to XXXX as well. I have added a security freeze to my credit file to prevent this from happening in the future. I ask this office to complete an investigation and remove this from my report and any fraudulent address, phone number, or any information that does not belong to me that the unknown person used to apply for the account. I reached out to this office only to be transferred to someone who is foreign repeating everything twice or talking about something else other than my name being used. I have even been placed on hold only to be bounced around from person to person and the phone being hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: TX

Complaint narrative:
To whom it may concern: XXXX You are still violating the law by validating the account below without sending the necessary proof that it’s my account and that you have a right to collect on this account. Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you “verified” that these items are being “reported correctly” ? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A) ( a consumer contract with my signature on it ) and under Section 611 (5)(A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me for “negligent noncompliance” (Section 617) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX Reported balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX   Opened: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Open balance: XXXX Opened: XX/XX/XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXXOpened: XX/XX/XXXXReported balance:XXXXXXXX XXXXOpen XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXXXXXX XXXX XXXXOpened XX/XX/XXXXReported balance: XXXX I have disputed this charge-off with all three of the credit bureaus, and I was shocked when it came back verified. Please provide me with the records used to verify this charge-off as it is inaccurate like names of the person who you talk to with the company date you talked to the person . Please follow the law (§ FCRA 623 (a) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher) and update me with new correction on the above account within 30 days. I await your response,

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under CMRE. I requested a validation on XX/XX/2019 as there was an account listed that I did not recognize as I have always had insurance/XXXX that fully covers my medical. On XX/XX/2019 I reviewed my credit profile again as CMRE had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: UT

Complaint narrative:
Equifax is reporting two unnamed medical collections # XXXX and # XXXX to my credit that are past the Statute of Limitations in Nevada. These collections are fully paid off and should no longer be reporting to my credit, I would like them removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: WI

Complaint narrative:
on XX/XX/19 i received a call stating i owed a debt and if i didnt pay they would ruin my credit. they were very disrespectful and forceful with trying to pry out information. this company also used a robo caller with a false local phone number.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Disputed debt multiple times through creditors, was informed the debt is supposed to be valid. XX/XX/XXXX received a notice from Midland stating what was owed. XX/XX/XXXX9 sent a letter and $XXXX fee to Midland requesting all information on the account, including the original contract. XX/XX/XXXX received a response from Midland, no information or contact was sent and the $XXXX fee for the information was not returned and was applied to the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
People 's United Bank NA has acted in a malicious manner in the closure of my checking account. In the attached document, People 's United Bank determined this based on the " costs for compliance, regulatory obligations, and potential risks. '' This checking account has been used for in-branch and direct deposits from my employer in order to pay bills. 

Per the letter, my account will stay open until XX/XX/19 in order for me to transition to another checking account. On XX/XX/19, I visited two separate bank branches in order to deposit funds for bill payments. On both occasions, I was refused service and told that they are unable to make deposits to my account. This is in spite of the fact that my account was still open with the ability to write checks and make payment orders. The branch staff made efforts to reach Mr. XXXX XXXX, of which he was determined to be unavailable to resolve this matter to make deposits. The branch manager in XXXX CT, XXXX XXXX, was also unable to determine why I was not allowed to make deposits even though I had an open account. 

With the abrupt closure of my account without any warning or notification of a pending limitation to my account, People 's United Bank determined that their cost of compliance was raised and deemed me risky without an explanation. No deposits were ever declined/bounced and all checks deposited came from verifiable sources. I fear that with these unsubstantiated claims of risk and compliance, it is merely an excuse to discriminate against someone of a certain race. Based on my name and the color of my skin, People 's United Bank determined that I was too risky and was a burden on their regulatory obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
A balance was transferred into my name although it is knowledge of the company that the account was not opened by or did not belong to me.

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