vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I got the loan payed down to XXXX had to refinance it went up to XXXX after paying 4 payments of XXXX I owe XXXX it seems like every time I get it payed down I have to start over I have been paying on this well over a year I can keep doing this its like I am fighting a losing battle I would take any help out there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
To whom it may concern : I initiated a checking account with BBVA Compass Bank sometime near the middle of XXXX ( oldest statement I could find begins in XX/XX/XXXX to XX/XX/XXXX ) Early on into this relationship, I began having difficulties with the relationship with this institution. I had some fraudulent activity on this account, attempted to inform the bank, essentially my efforts to get resolution/help went without any sort of resolution. There is gymnasium near my home, to which I cancelled my membership in full compliance with the membership agreement. Unfortunately, the gym ( XXXX XXXX in XXXX, CA ) would continue to send in debits against my checking account which at {$32.00} was extremely expensive, inconvenient..you name it. One of the NSF ( after I decided to not continue a relationship with the bank ) was for more money than the amount in dispute, and subsequent to my request to close my account. Additionally when I opened the account, I was informed ( as I knew this was not an institution with extensive branches ) that the " closest branch was in XXXX, CA ) I went to the address as showing on the website, only to find that the branch was long since closed ... even thought there was a sign posted near the street, as well as on their website. 

My final PHONE call to customer service was the epitome of POOR service, as the person on the phone had little to no interest in helping me, and went as far to say " that she had other calls to answer '' ... apparently she was in that department with little/ few/ no other customer service agents?? 

Finally after several requests to CLOSE my account, and additional nsf charges accrued since I determine that putting funds in the account would be extremely imprudent/expensive, I received a letter from BBVA Compass that they were closing my account. 

Lastly, they sent this ( alleged money they stated I owed them in NSF charges ) to a collection agency ( XXXX XXXXXXXX XXXX  ) On XX/XX/XXXX, I sent via certified mail ( see attachments ) a letter to the bank as well as the collection agency, both of which were not responded to in any manner. 

( I will address the collection agency matter involved in a separate complaint ) Thank you in advance for your consideration. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: ERC
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and 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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
On XX/XX/2018 I requested Equifax to renew my Extended Fraud Alert for a new 7 year period they refused saying I needed a new Police Report I am not filing another report this is a renewal not a new request they have no right trying to burden me a ID THEFT VICTIM telling me to file a new report and send them a new copy I am not going through that again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX reporting we owe money.. ruining our credit ... all was included in bk in 2009

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Midwest Recovery Systems
State: WA

Complaint narrative:
On XX/XX/2018 Midwest Recovery Systems reported a collection of {$160.00} to XXXX XXXX which resulted in a negative report on my credit report on XX/XX/XXXX. Also, the same with XXXX on XX/XX/XXXX. I have never had any communications to or from Midwest Recovery Systems, I don't know who they are representing or what debt they are trying to collect because as of XX/XX/XXXX, I had ZERO collections on my credit report. This company has NUMEROUS complaints about how it does business and the scam collections they report on peoples credit reports. This needs to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: EQUIFAX, INC.
State: NC

Complaint narrative:
The 3 major credit bureaus are reporting on my credit report unverified accounts and will not show or send proof of these accounts on my credit reports such as a original consumer contract with my signature on it. Under the FCRA 15 USC 1681i all unverified accounts must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and 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 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Hewitt-Capital
State: MO

Complaint narrative:
XXXX XXXX with Hewitt Capital called my work today asking the receptionist to speak with me regarding, " an urgent matter '' After she informed him that I an unable to take personal calls at work XXXX XXXX proceeded to tell her that " my wages are in the process of being garnished '' in knowing direct violation of my rights and privacy. Upon checking my voicemail on my cellphone later that day XXXX XXXX is threatening legal action against me if the phone call is not returned by the end of the day when he " makes his decision '' I have not been given anything in writing by this company or know who XXXX XXXX is or the company he represents. What I do know is that he knowingly and willingly violated the law in order to try and intimidate a response at me. I can not and will not take personal calls at work and it is my right to expect XXXX XXXX respect my privacy and rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 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: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am no longer disputing Fair Collection and Outsourcing.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Angel Oak Mortgage Solutions LLC
State: CA

Complaint narrative:
Earlier this year ( XXXX to XX/XX/2018 ), I had attempted to refinance a townhome I own in XXXX XXXX, UT. I was working with XXXX XXXX of XXXX XXXX XXXX, who in turn was " shopping the loans '' with different companies/banks/investors. One of those companies was Angel Oak Investors out of XXXX XXXX, Georgia. The deal fell through as my income has changed, and they were understandably not comfortable assuming the risk. However, they have continued to pull my credit via hard inquiries. I called and emailed XXXX twice regarding this matter who said he will look into with Angel Oak. I have emailed and called Angel Oak and copied my attorney on the emails and have received no response, only continued inquiries into my credit which is needless to say, quite frustrating. Attached is documentation through XXXX XXXX credit monitoring supporting the above information. 





Regards, XXXX " XXXX '' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC
State: NY

Complaint narrative:
I was contacted on XXXX to be hired for a full time XXXX  position on XX/XX/2018. The parent   then emailed me personally to give me more information on the job. They stated they were moving to my town and would need me to purchase a XXXX  for their arrival as the daughter just had XXXX. They sent me a check for XXXX $ to use for purchase of the XXXX and was instructed to deposit check and use for payment. On XX/XX/XXXX I was cleared to send money to the owner of the XXXX so I was instructed to go to XXXX to send a direct money transfer via XXXX. I sent XXXX $ and the next day found out the XXXX $ check was fake and was now out XXXX . I have contacts NYSP AND XXXX and XXXX WILL NOT CONTACT ME BACK.

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 2018-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I was turned down for an " easy pay '' plan with a large company, and I found out hat it was because Equifax turned me down when the company sent Equifax my name. I got a copy of my Equifax credit report. My credit history with them looked fine BUT my " personal information '' had some problems and therefore, they ( apparently ) could not confirm my identity for the large company. Here are the problems : ( a ) The employer listed as my current employer is a company I worked for from XX/XX/XXXX-XX/XX/XXXX! Equifax HAS fixed that. ( b ) Equifax has the wrong birth-date for me ; they are off by one month. To correct that, they say I need to send them a copy of my Social Security card *and* my driver 's license. I told them that I refuse to do that. ( I was talking to a woman in the XXXX ). I will not send copies of those sensitive documents to correct an error made by Equifax, which has had a huge data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: OH

Complaint narrative:
There were several transactions " pending '' in my account and not yet posted, however a deposit posted, yet the bank still charged me for " pending '' items although my account was not truly overdrawn. US Bank charges by " Account Available/Pending '' vs. Account Balance. I asked, what if several transactions did not post, yet you still charged? US Bank stated that they would still charge. If I have proof of items that should not have been pending, then they would make a decision. I spoke with the following representatives : XXXX, XXXX & XXXX { Manager }. XXXX was by far the most professional, however she was not able to resolve the issue, so this matter is still unresolved. They overcharged me by {$320.00} in fees due to their " unique '' policy. This seems as if their policy would violate banking policies since items did not yet post, however the clients are still being charged. I do have a financial background and XXXX and I did discuss this in detail, however it appears as if US Bank is " FEE Happy ''.

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 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, client deposited a check in the amount of {$4100.00} into account. After doing so, client became worried that check was fraudulent, and contacted bank. Representative of bank assured client that check seemed valid, and if it cleared in 24 hours, would be. Client waited for stated time, and on XX/XX/XXXX used those funds. On XX/XX/XXXX, client and parent were notified check was indeed fraudulent, and now owed bank restitution. Parent contacted bank on XX/XX/XXXX, was told there were no notes on the account. Parent contacted fraud department and instituted proceedings on XX/XX/XXXX. Parent covered " overdraft '' of {$2600.00} on XX/XX/XXXX. Bank states it has no liability in this regard ; parent researched and found literature stating bank not responsible for misstatements by employees. This seems unreasonable, client sought help, and without statement by employee quite probably would not have used funds after consulting with others. Parent offered mediation, and stated this action could be litigated. Local bank manager re-escalated fraud query, but neither action taken nor correspondence sent to parent. Bank manager offered 0.2 % over market rate for a deposit account ; parent declined this minimal offer.

Bank charged overdraft charges on debit card - parent contested these, they were returned ( at this time, I think all were, but there were many ) Multiple employees stated that funds were made available due to parent 's accounts at bank, even though parent was not notified until AFTER the fact. Another employee stated this type of fraud is not unusual, though it is not readily searched. 
I know of no other business that can misrepresent and not be held liable for actions, though there may be some.

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 2018-07-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from this company, indicating that my account had been closed. THEY closed it, based on an internal review, which included my credit score to determine my credit worthiness. Based on this review, they decided to close my account. This account has been inactive, but had a XXXX balance. This seems punitive, given that the account was paid, and when active, paid on time with no delinquencies. This does have an impact on my credit score/utilization. Contacted the creditor to resolve the issue, and they were unhelpful.

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 2018-07-25 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: TX

Complaint narrative:
I am no longer disputing XXXX 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 2018-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: MIDFIRST BANK
State: OK

Complaint narrative:
My account was hacked by someone who charged around {$1400.00} to XXXX. I tried to dispute this with the bank on XX/XX/2018. I was told that the bank wouldn't do this that I had to contact XXXX to do it myself. So I spent 3 days on the phone with XXXX. Emailing, phone calls etc and finally on XX/XX/XXXX I was allowed to file a dispute. When I went in on the XXXX the teller made the comment that there were so many it was going to take forever to do and so I would just need to do it myself. I went to the main branch on the XXXX and was told that my provisional credit would be in my account within 48 hours after filing my dispute. Mind you I have done research and emailing and phone calling to prove this fraud. I have even provided the bank with all documents and access to my personal email to prove this. Right after I left the bank on the XXXX the VP from the other branch where they wouldn't file the dispute called me from her personal phone wanting to know what I was doing. I told her I just got done signing the dispute papers and she wanted to know with who and why. Truly it isn't any of her business but was weird that she called me right after I left the main branch. I have been calling and emailing the bank daily since this has happened wanting to know what is going on. At first they were talking with me and now no one will talk to me at all. When I call the moneyline number there is literally a note in my account to transfer my calls to this branch over here in XXXX and no one is to discuss this with me. They have been very rude and have made me feel very unvalued as a customer. I have done everything I can to help them and have cooperated fully with them and I am being treated like XXXX. They are ignoring me. Today marks the 10th day since my dispute and I have not received my money back or provisional credit at all. And no one will contact me back! This has caused horrible stress on me. I was told by the guy I spoke with on the moneyline and by a lady with the CFPB that the law is 10 days. I am filing this complaint because I do not know what else to do in this matter. I am very angry as would anyone else be. I am sure I am leaving details out but this sums it up. I do have a lawyer as XXXX XXXX XXXX XXXXXXXX so I know how to do my research. I have been researching and investigating myself into this matter on my end and providing the Midfirst Bank with plenty of evidence and information.

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 2018-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a credit card with Suntrust, Account number XXXX. Three payments was pulled from my account on a Suntrust credit card for the XX/XX/2018 payment. They are refusing to return the funds to me. The funds were removed from my account of the XX/XX/XXXX, today is the XX/XX/2018, there is no reason for there to be delay and/or any doubt about whether they have received the funds.

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 2018-07-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc.
State: CA

Complaint narrative:
EOS CCA, acting on behalf of XXXX XXXX XXXX XXXX XXXX, has re-aged a XXXX XXXX account that went into collections back in XX/XX/XXXX and are reporting it on my XXXX credit report as XX/XX/XXXX. I have filed disputes to XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to get this item corrected.

Company response to consumer: Closed with explanation