vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
I deposited a paycheck on XXXX.19 in my husband 's name ( XXXX XXXX ) for XXXX from XXXX XXXX. It was into our new account at Suntrust bank. I deposited the check in the drive through, and was not told a hold would be placed on it. We got 2 letters in the mail, 1 stating it was being held due to a new account, and 1 stating it was being held due to confidential information that it might be fraudulent. I've called XXXX multiple times, and have been told the account is being monitored. My husband called the local branch and was told our funds would be released on XX/XX/19. However, they were not released. I received a direct deposit into the account today for XXXX from my new job at the XXXX XXXX XXXX of the XXXX XXXX XXXX. I went into the local branch in XXXX VA today, XX/XX/19. When XXXX XXXX called the corporate line, she was told that Suntrust has terminated our relationship. No one can tell me why. They also say since " there was new activity in the account today '' ( aka my direct deposit ), it might take 4 weeks until we receive a check from the bank. I have bills to pay, including childcare, and have NO access to MY funds. I don't understand why they allowed my direct deposit to go into the account if they had already " terminated the relationship. ''

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 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, CFPB AND 3 Credit Bureaus ( Transunion, XXXX, and XXXX ) : THIS LETTER IS TO DEMAND CORRECTION OF CREDIT REPORT AND DEMANDING IMMEDIATE CESSATION OF THEFT AND FRAUD ON XXXX XXXX XXXX   ACCOUNT FOR ( MY XXXX ) XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. I DO NOT OWE you, XXXX XXXX, {$270.00}, I HAVE MADE 14 TIMELY PAYMENTS ( OF 48 TOTAL PAYMENTS ) STARTING XX/XX/XXXX, XXXXSATURDAY, TOTALLING {$11000.00}, AND THAT REQUIRES ACCURATE REPORTING TO ALL 3 CREDIT BUREAUS. XX/XX/XXXX ( FRIDAY ) PAYMENT WILL NOT BE PAID UNTIL CORRECTION BY XXXX XXXX XXXX HAS TAKEN PLACE. 

IN ADDITION, XXXX XXXX XXXX, XXXX XXXX, IS NOT TO CONTACT ME EVER. I have included the payment history, and PAYMENTS HAVE BEEN FAITHFULLY AND TIMELY MADE WITHIN 10 days of the 30th of each month since THE VERY BEGINNING ( initial purchase date of XX/XX/XXXX, XXXX-Saturday ). 

THE ADVERSE INACCURATE CREDIT REPORTING ( IN ERROR ) IS AFFECTING MY CREDIT SCORE AND CREDIT WORTHINESS. EFFECTIVE IMMEDIATELY : REMOVE ALL DELINQUENCIES, LATE PAYMENTS, ETC., FROM ALL 3 CREDIT BUREAUS ( TRANSUNION, XXXX, AND XXXX ) AND XXXX. TRANSUNION IS REPORTING A CREDIT SCORE OF XXXX. 

This correspondence is to officially affirm to CEASE AND DESIST with any further communication effective immediately in accordance with " Fair Debt Collection Practices Act '' ( in 15 U.S.C. 1692 ). XXXX XXXX XXXX YOU ARE IN VIOLATION OF 15 UNITED STATES CODE, U.S.C., 1692 AND YOU OWE ME {$1000.00} XXXX XXXX XXXX. 

Sincerely and Respectfully, 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 explanation
Consumer complaint received 2019-09-05 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian has a fraud alert on my credit report that I have tried to remove several times. XXXX XXXX won't approve me until this block is 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 non-monetary relief
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
I started trying to repair credit XX/XX/XXXX. I have sent all hard inquires in that were not legally obtained. I also had old debt that I was fighting anything on my reports since it was already at that point processed as bad debt to the original creditor. 
I than again sent certified mail to all beauros XX/XX/XXXX a year later for all the same hard inquiries and debts that were still remaining on my account with no legal update after give way more then the 30 days that they have legal rights to update. For both my husband and I. I never received an updated credit report fixing any issue for either of us from any of the 3 credit beauros. I continuously try to reach out via phone and again sent certified mail XX/XX/XXXX. I have reporting s from accounts that are inaccurate that I never signed for from XXXX that are still on my report and now 5 years later are remaining and not even the collector has the original signed documentation of proof. I keep going back over and over trying to have all these hard inquiries removed as well as the debts that are no longer just and no one is even attempting to correct or sent proof of an attemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
BOA lack of due diligence to consummate a foreclosure in a timely manner on a property that has been vacate for 6 years. As a result this prolonged process is impeding my ability to progress in life and purchase a new home. The property has been vacant for 6 years and neither borrower has contested or taken steps to keep the home. BOA filed a judicial foreclosure in which the process is longer. A non judicial foreclosure would have settle this matter sooner when the initial foreclosure was filed in XX/XX/XXXX. 

XX/XX/XXXX - Last mortgage pymt made. 
XX/XX/XXXX - Separated from co-borrower, moved from the property and notified Bank Of America the property was vacant. 
XX/XX/XXXX - Foreclosure letter received from Bank of America XX/XX/XXXX - BOA substitution of deed request for foreclosure proceedings XX/XX/XXXX - File for divorce XX/XX/XXXX - Divorce finalized XXXX XXXX I filed chXXXX bankruptcy which included BOA XX/XX/XXXX - chXXXX discharge XX/XX/XXXX - Quit Claim deed file on property XXXX XXXX notice of default filed XX/XX/XXXX - Consent order of Judgement XX/XX/XXXX - Judgement for a Judicial foreclosure XX/XX/XXXX - No further actions have been taken and the foreclosure has not been consummated.

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 2019-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Revenue, Inc.
State: TX

Complaint narrative:
I frequented XXXX XXXX College in XXXX for just one semester and took some credits for XXXX  XXXX. I paid for all classes I took of course for that semester. 

On or around XX/XX/XXXX, 5 years later, My XXXX and XXXX shows a derogatory remark from Eastern Revenue Inc for a collection of {$820.00}. 

Eastern Revenue , Inc : XXXX XXXX XXXX # XXXX, XXXX, PA XXXX, ( XXXX ) XXXX I had never received mail or call from Eastern Revenue Inc before about the debt. I disputed the debt with the bureaus, called and asked Eastern Revenue Inc to provide proof of the debt. They sent a screenshot of a screen with my name and some itemized item, looking like a quote. But no receipt, no statement of debt, no college course I took and I did not pay for ... They have not validated the debt with a proof. But they refused, after almost 3 months, to remove the derogatory remarks. Eastern Revenue Inc told me they have asked XXXX for proof, but they can not get it yet, and that I should probably try with the College.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX my bank submitted an electronic payment to LoanCare for $ XXXX.with an account # that had been the # for XXXX as the new acct # had not yet been received. LoanCare had issues with other accounts as my statement indicated double payments, then payments removed resulting in the loss of that payment from XX/XX/XXXX. On XX/XX/XXXX I called customer service to inquire about the delinquency on my statement and was given the email for the payment research dept. I sent a copy of my billpay detail to show that the payment was made and to what acct #. I was informed much after the fact that this was insufficient evidence and that they needed the transmittal number. Several calls to my bank I was informed that that information was unavailable and they provided an official statement from my billpay. Again, LoanCare said this was not sufficient as the old account # had been closed and they had no idea where the payment went. In the meantime, I am receiving notices of potential foreclosure, daily phone calls about delinquency even though my payment was theoretically in 'research '. I spoke to a manager who was extremely defensive and we had a three way conversation with my bank who repeated that the information being requested was unavailable. At the end of that call I requested that they make sure my acct was flagged so that I would stop getting the calls and letters. Every call I had with them I repeated that someone please make sure that this does not get reported as delinquent to credit agencies. I asked my bank to investigate any means to satisfy LoanCare as I was becoming afraid that they would not do their own research to locate the payment and would simply start foreclosure proceedings. My bank supplied the payment confirmation, I sent it payment research on XX/XX/XXXX. I got an autoreply from the email and heard nothing else. Today I received notice from XXXX that my mortgage has been reported delinquent as of XX/XX/XXXX. I called LoanCare, they confirmed receipt of the email and told me they are working on it and I should know something by XX/XX/XXXX. I am now waiting for a call from a manager, again.

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 2019-09-05 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 there was an available balance on my Bank of America EDD debit card that substantially exceeded the the purchase amount and was declined 3 times in a XXXX store for the amount of {$50.00}. 
This has happened a couple of other times when I tried using it at a XXXX XXXX. I have no faith that my money will be available when needed. 
After 3 different attempts to get BofA on the phone, once I waited over 2 hours after talking to an agent at BofA and I had to give up and try at another time, once I was disconnected by a BofA agent, it took about 40 minutes and being transferred to three different people, I was able to transfer the balance available as well as establish a reoccurring balance transfer. I was informed that it will take 2 business days, today being Thursday, I will have the money available in my account on Monday. 
The reason I am complaining is this is money that I have paid into the system my entire working career of 47 years. Im not asking for something that I am not entitled to. It shouldnt be this complicated to get my money. When people are ill, they need things to be easy not difficult.

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 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
On XX/XX/2019, I exchanged messages on the purpose of buying 2 concert tickets. After all the negotiations, I sent this person half the money - {$200.00} - using Zelle and asked him to transfer the tickets to my XXXX account but it turned out that this person is a scammer and turned off the phone and stopped responding after receiving half the money. I have contacted both Zelle and my bank ( XXXX ) to see if there is any way to stop the transaction or to revert the transaction but apparently this medium of paying someone does not have any fraud protection so is a perfect medium for fraudster. Let me know how I can help provide more info so that this person stops frauding others and Zelle and others can fix this broken payment system. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
I recently look at my credit report for all three credit bureaus back in XX/XX/2019 and I noticed one particular debt that was closed and charged off but, in collections for the amount of {$3100.00} with a collection agency by the name of Monterey Collection Service. I had no clue who the original creditor is ( XXXX XXXX XXXX ) nor where this debt even came from. I have never received any letters from the original creditor about this debit nor the collection agency it was obviously sold to. I recently mailed Monterey Collection Service a debt validation letter certified on XX/XX/2019 and they didn't responded back to me until XX/XX/2019. The letter only stated that they had given me 30 days to validate the debt but never provided original documentations from the original creditor what the accurate amount of debt was or any of the documents that I had requested from them by law per the FCRA. I have been disputing this with all three credit bureaus and they keep saying that this company is saying that everything is accurate and the debit is mine. I have not received any proof of documents that this debt belongs to me since I disputed this debt on my credit reports. I have asked that this debt be removed since it could be proven to be my debt and it has not been done by any of the 3 credit bureaus. Also I have notice that since I have been disputing this debt the amount has been increasing and has went from charged off to unpaid but still closed and in collections. This sounds like a complete fraud and I want this invalidated debit removed from all 3 credit reports ( XXXX, XXXX and XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, XXXX AND EXPERIAN HAS SOME INACCURATE INFORMATION ON MY CREDIT REPORT THEY REFUSED TO DELETE/REMOVE. 
NAMES : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX- Addresses : XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX FL XXXX - 2028 XXXX XXXX XXXX XXXX XXXX, FL XXXX - XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX SSNs : XXXX Year of Birth : XXXX PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX IVE RECENTLY PILLED MY CREDIT REPORT AND FOUND SOME ACCOUNTS THAT ARE NOT MINE AND INACCURATE. 
Spouse or Co-Applicant : XXXX Employers : MXXXX XXXX XXXX- XXXX- XXXX XXXX ACCOUNTS : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX WAS NEVER LATE PLEASE CORRECT XXXX XXXX  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 explanation
Consumer complaint received 2019-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Risecredit, LLC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05 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: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I submitted a dispute to BBVA Compass Bank regarding two {$100.00} charges on my account dated XX/XX/19. I received ticket # XXXX on XX/XX/19 from XXXX and was told I would receive some forms to fill out and sign within 10 days. I never received these forms nor did I receive the dispute acknowledgement that they legally were supposed to send me within 30 days. Also this dispute has not been resolved within the two billing cycles they are supposed to have resolved it within legally. 

I called them again on XX/XX/19 asking again why I've received nothing and what was going on with my dispute and spoke to XXXX who stated he knew nothing about any forms and told me to wait longer. He also gave me the phone # to call the dispute department directly. 

I called again on XX/XX/19 directly to the dispute department and spoke to XXXX who stated that nothing has been done on my dispute and the ticket # was just notes stating I had started a dispute. When I complained about no one working on this dispute and them just giving me the run around, she stated she would put me on hold and " get this dispute to the finish line '' After leaving me on hold for a half hour, she just transferred me back to the original customer service department again! 
I spoke to XXXX and insisted on speaking to a manager so he transferred me to someone named XXXX who was just as useless and unhelpful as everyone else I've spoken to at BBVA. She said she couldn't control the mail if I didn't receive the letter, but wouldn't tell me that they had even sent one. She also wouldn't tell me why there were not any correspondences in my online messages or any copies of this non existing letter or what if anything was done on the dispute. She again told me just to wait and maybe this would end up in arbitration!! When I told her I was fed up with the run around I was getting and the terrible customer service her company has she couldn't have cared less. She stated " do what you have to do '' when I told her I was filing complaints against BBVA.  She said she would escalate my dispute to another manager but wouldn't transfer me to them so I have no idea if she even did that or if she just added another note or did anything at all to resolve this dispute.

Company response to consumer: Closed with monetary relief