vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
My name is XXXX XXXX. My US federal income tax refund check was set to be directly deposited into my bank account at XXXX in XXXX, Illinois. The amount of the check was {$1100.00}. Unfortunately, my account at XXXX had recently been closed due to fraudulent activity that I had experienced. After that, I chose to not reopen another account at XXXX. But since I knew that my federal income tax refund check was coming directly to XXXX, I asked XXXX if they needed my new address since I had moved after my recent divorce. At that time, XXXX advised me that they would not be forwarding the check to my new address because their bank policy was to return any non-deposited federal income tax checks back to the IRS. Unfortunately, XXXX did not do as they said they would. Instead, when XXXX received my direct-deposit federal tax refund check, they apparently took it upon themselves to cash the check and mail me a bank check directly to my last known address. When doing so, XXXX did not notify me of these transactions so they did not know that I no longer resided at my last known address they had on file. So the check was erroneously mailed to my ex-husband 's home. My ex-husband 's name is XXXX XXXX and he resides at XXXX XXXX XXXX, XXXX, IL XXXX. Without my knowledge or permission, my ex-husband illegally proceeded to take my tax refund check to his own bank in order to cash it for his own personal gain. Unfortunately, he succeeded in illegally cashing my check on XX/XX/2017, by signing only his name to the back of the check, even though my name was clearly stated as the sole payee on the check. The bank at which my ex-husband executed this transaction is U.S. Bank located at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. Today, my attempts to resolve this matter with personnel at U.S. Bank have been completely fruitless, even though they did admit they should never have cashed this check. Instead, they are attempting to place the blame on my bank, XX/XX/XXXX, for erroneously mailing the check to the wrong address. Currently, I am in the process of filing criminal charges with the XXXX Police Department against my ex-husband for his theft of my money. He 's clearly a dishonest person, and I think it is highly unlikely that I will ever get my money back from him. Nevertheless, I firmly believe that U.S. Bank is primarily at fault for allowing my ex-husband to cash my tax refund check without having my signature on it, and without his name even being on the check as a payee. It is my hope that U.S. Bank would reimburse me in full for their error, and then they can worry about pursuing my ex-husband for his criminal deceit. Thank you in advance for your assistance in this matter.

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 2017-04-11 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Select Management Resources, LLC
State: OH

Complaint narrative:
I applied for a loan with Loan Max in XX/XX/XXXX At which time I opted out of receiving text messages and electronic communications. During XX/XX/XXXX a representative began texting repeatedly and stated she could and would continue to text and there was nothing I could do about. The representative of Loan Max stated as long as I owed money she could do what she wanted. In addition to texting the representative would place calls to me from her personal cell phone. I repeatedly requested to speak to the management team and was told they did not have the managers phone number nor the number to the corporate office. 
I request and will allow Loan Max to forward all electronic text messages that took place between myself and the representatives of Loan Max. 
My car has been repose and the value far exceeds the balance of r he loan. My vehicle is a XX/XX/XXXX XXXX and the balance of my loan is XXXX and the low end XXXX value is {$16000.00}

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 2017-04-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Hilco Receivables LLC
State: OK

Complaint narrative:
I financed a dining room table from XXXX XXXX, XXXX in XXXX Oklahoma in XXXX 2015. I discovered the table was damaged shortly after it was delivered and assembled. I called the store and informed the manager of the damages. He offered to trade out the table for a different table in the store. However, there was no other table I was interested in. I asked him to just re order a new table. He informed me the next day that my table is no longer in stock so it cant be replaced. I then informed him to come pick up the table. The next day the table was picked up and I was told the contract I signed was now null and void. A couple of months later I received a collection call regarding payment for the table. I explained that I no longer had the table and I should no longer have an account with XXXX XXXX, XXXX. The representative apologized for the mistake and said he saw in the notes that the table was returned. I was told by the representative of XXXX XXXX, XXXX, that the account would be erased from my credit report within 60 days. Over two years later the account is still on my credit and is in a negative charged off state. The account is inaccurate and incorrect and should not be found anywhere on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
XXXX XXXX REFUSES TO REMOVE DEBT COLLECTION FROM MY CREDIT REPORT, ALTHOUGH THE DEBT COLLECTION ACTION WAS DISMISSED BY THE SUPERIOR COURT OVER 2 YEARS AGO. 

THEY ALSO REFUSE TO PAY THE XXXX COURTS PER THE COURT DISMISSAL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Since XX/XX/XXXX I have been asking LVNV Funding to provide proof that this is my debt as I have no knowledge of this alleged debt. I have attached letters dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To date they have refused to respond or provided any proof that this is my debt. My understanding is that if they fail to provide adequate proof, they must remove the reporting on my credit report ( see attachment. ) Additionally, this item goes back to XX/XX/XXXX which means that Statute of Limitation in Florida ( 4 years for a credit card debt ) which means that the debt is also uncollectible and should be removed as it is violation of FCRA to attempt to collect a debt which is known to be uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted a complaint to Transunion regarding an item listed on my report by XXXX. The account has been on my report since XXXX and has already been removed from the other XXXX bureaus. The dispute was initiated on XXXX, it is now XXXX, this dispute has surpassed the alloted time period of 30 days and I demand that this item is removed from my report immediately. 

Here is a copy of the original message : I have an account on my Trans-Union credit report from ( XXXX XXXX ) that has been found invalid and removed from XXXX and XXXX. The account had been previously deleted but returned and has now been on my report since XXXX, I would like for this erroneous account to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I recently reached out to Transunion about unauthorized inquiries I found on my report. The agent I spoke to told me to file a police report for fraud. I went to the police department here in XXXX, XXXX. I informed them of the fraud on my credit file and that I did n't give anyone permission to use my information. The desk sergeant told me that no crime was committed. She stated until I received a bill in my name, that there was nothing they could do about it. I spoke with Transunion yet again and was told to file a complaint here. 
This is the list of inquiries that Transunion refuses to remove that I did n't authorize. 
XXXX XX/XX/XXXX, XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 

Due to never being supplied with verification nor validation of inquiries, I would like for them to be deleted according to the FCRA.

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 2017-04-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I have been working diligently to improve my credit scores and to my surprise today XX/XX/2017 Navient updated interest to student loan appearing on my credit report which caused a XXXX point decrease. They have remarked that my account is in a deferment status so how and why is interest being updated on my credit report. Further more no one at Navient has explained to me what a forebarence means vs deferment. No one has truly helped me to understand my options and what to do about student loans. This incident truly devistated me and I am in a very depressed state because of this. I have no clue as to what to do for this student debt to help my credit and not hurt it. Because of that kind of decrease it could cause other lenders to decrease my credit limits or deny me credit. This whole time I was not made aware of what a forbarence is.. or how it can affect me. At this point Navient needs to recalculate all interest on the student loan debt and be more detailed in ttheir explanation of what I should do. I am also seeking consolidation as 10 separate payment transactions will cause suspicious activity alerts to the institutions I would have to use to even make payments. I do n't agree with the infest that keeps getting updated that is affecting my debt to income ratio I thought evrything was on deferment and I surely did not know that my scores would fall because of interest reporting to the credit bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRSTBANK PUERTO RICO
State: VI

Complaint narrative:
On XX/XX/2017 I wrote a check for {$45.00}. This check was cashed by the depositor on XX/XX/2017 and although I can assume this person only received {$45.00} when they cashed the check, my account was debited {$2000.00}. I have electronic confirmation of this debit amount. I am also able to access a copy of the check via online banking, and can see that check # XXXX has not been altered in any way, therefore feeding my assumption that the depositor only received the intended {$45.00}. When I noted this mistake on XX/XX/2017 I contacted the bank via the online banking portal in order to submit a claim against the transaction. I received an automated message in return, on the same day, confirming that my claim had been made. On XX/XX/2017 I also sent an email to a representative from my bank branch, asking her to assist with the matter. She replied on XX/XX/2017 to let me know that the claim was under investigation and that it could take up to 10 business days to resolve the matter. She told me that she would contact me on XX/XX/2017 to follow up. She did not ever send this follow up message. In between XX/XX/XXXX and XX/XX/2017, I also called the bank via the customer service number given in my online banking. Over the phone I was told by a bank representative that my claim was being investigated, that she could confirm the details of my complaint and see the incorrect transaction, and that the money would be returned to my account by XX/XX/2017. Yesterday, on XX/XX/2017, the money still had not been returned. I called this same customer service number given in my online banking. I was given similar information by this customer service representative -- that my claim was being investigated, they were not sure why it was taking longer than expected, that the details of my complaint could be confirmed and the incorrect transaction could also be confirmed. This customer service representative told me that they had no information regarding when the claim would be handled. I was told to keep calling back until it was handled. I was not given a deadline for when my money would be returned. I am now contacting your bureau in hopes that the bank will be forced to respond to and handle this claim/complaint. I want my {$2000.00} returned immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/2016 my son 's computer was taken over by hackers. They were in the computer that why his IP address was on all the fraud charges. They ( the hackers ) were in his computer and his accounts. 
The very same day he had bought an item on line for {$40.00} and he used XXXX but the underlying credit card was a Citicard. You will see when he was hacked on XX/XX/2016 the charges were about {$2800.00}. All the charges had been reversed by Citicards. 
This one merchant filed paperwork with XXXX and provided fake paperwork that showed that the merchandise was delivered between XXXX-XXXX on XX/XX/2016 to our house. When XXXX received the information from the merchant they went ahead and charged my son 's account on his Citicredit again. 
Citicards refunded the charge for {$40.00} that was a charge that was made by my son. Every time I spoke to them I was told that the refund had been made. They keep insisting that the {$40.00} is a correct refund. The {$40.00} has nothing to do with the fraud that we are trying to have corrected. 
My son works at XXXX as a loader. He clears about {$300.00} in a good week. He is a part time worker. He has no need for Bitcoins. That what the merchandise turned out to be. 
My son XXXX card was also hacked for about {$1500.00}. XXXX credited the account in a timely matter. The hackers also cleaned out his checking account and he was under water for about {$5000.00}. We had this money restored by XXXX within a few days. 
It was a major hack that involved XXXX credit cards and a checking account.

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 2017-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Credit Systems, L.P.
State: GA

Complaint narrative:
I received a letter from Southwest Credit dated XX/XX/2017 about a debt in the amount of {$260.00} from XXXX. I mailed them a Cease and Desist letter on XX/XX/2017. I received a letter from Southwest with a different account number and an amount of {$990.00}. I received a collection letter with the {$990.00} debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is reporting duplicate closed information for XXXX, when in fact this account is paid on time and active. Experian has several duplications for XXXX as it relates to negative accounts on my credit file. XXXX reporting states its closed, another reporting states it is open yet delinquent which, this creditor should in fact be updated with on time payments. This account is not delinquent.

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 2017-04-14 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
So right after I was approved for the XXXX I opened the box to see my new card. Six hours later all my chase cards in my XXXX were deactivated. I then called the number on the back of card to find that all my accounts were closed!!! So you approve me for a card and then you close it out after I activate the card?!?! I called and spoke with a represintive and she said that the accounts were closed because I 've opend to many accounts within the last 12 months but I would n't have applied unless I knew I could pay down the balacnce and would have never applied for the XXXX if it was going to result in a closure. Rep was n't having it, now that i look back she was kinda rude. Anyways was told that I can call back within 6 MONTHS to see if they would reinstate the accounts. So XXXX are out of commition untill further notice. WHat do I do to make sure that they are n't permantley closed. My scores are XXXX across the board and I am under 30 % utilization on all my cards. No other lender I use XXXX, XXXX or XXXX have done this they have actually increased my credit limits and lowered my interest rates with out me requesting. I 've heard some stores of customers going through similar situations and getting their accounts reopened so I still have the cards they close with little hope Chase will maybe reopen them while I continue to make payments to prevent a permanent closure and others are just telling me all the more reason to hate America 's biggest bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Trans Union will not provide me with my free annual report. Additionally I am unemployed and will be seeking employment in the next 60 days. There is no selection process for ordering a free credit report based on this consumer right. 
I was able to receive both my XXXX & XXXX reports free via internet but Trans Union will not provide my report. 
Please help. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a Bloomingdale 's credit account ( via Department Stores National Bank ) that has charged me a recurring interest fee. When I call to make a payment, it gets paid, but then since there was a fee after the start of the billing period, they charge me another {$2.00}. I 've had prior issues with this organization ( I filed a complaint back in 2014 regarding similar unfair practices ). This is completely absurd and I am sure I am not the only person who has had to deal with this type of activity.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Along with disputing a certain negative item I wanted removed from my report, I also asked that all the prior negative PRE-Bankruptcy ( as it was discharged ) things removed as well. There are still many items killing my score, that should have been rightfully removed as of discharge. This is with all bureaus. My score dropped over XXXX points, marking an account closed ( XXXX-I do not have an issue with them-just the bureau ) that was never added in the 1st place, now it 's a HUGE negative factor killing me. I have explained to these bureaus that I am trying to buy a home not long from now and want the bad stuff removed, and all these bureaus are doing is making everything worse, they are so quick to report all the bad stuff, but take forever reporting the positive. This is ruining my, and many other peoples financial futures. I was forced to buy a car-and because of these XXXX companies, my interest rate is 18.95!! I do not believe they have ANY right to be able to control a persons future. I also have a paid off loan, made payments more than early every time, and even a bit more than the amount due, but because of my bankruptcy, they allowed XXXX to remove all this from my reports, even though I " Reaffirmed '' the vehicle, also dropping my score another XXXX points. How in the heck is a person supposed to get anywhere in life if these XXXX companies have all this control. I should be well over XXXX at this point ( only this low for now, as I 'm still 4 months from my 1 yr discharge date ), now I 'm back to where I was right before I filed for Ch XXXX, and I pay my bills! I was just at XXXX little over a month ago, got a couple small credit cards, everything going great-now it 's falling faster than XXXX Please make these XXXX, yes all XXXX bureaus, make things right for people who only have their credit to rely on, working their single butts off, paying ungodly amounts for rent, who pay their bills, etc.

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 2017-04-17 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
Everytime I use the macy 's credit card and then pay the amount on the bill to pay it off I get another bill for more money. My bill now says {$2.00}. This has happened about 3 times before. I charge something get a bill pay the entire amount and then get another bill for {$2.00}. It 's like you can not pay off the bill. Not sure what they are charging.

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