vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: U.S. BANCORP
State: MN

Complaint narrative:
US Bank ( XXXX XXXX XXXX XXXX, XXXX, MN XXXX ) misdirected my bank statements to an unauthorized address in XXXX  XXXX, VA from XX/XX/XXXX to XX/XX/XXXX which is a breach of FDIC privacy law. US Bank claims they received an address change from the US Postal Service but I spoke with XXXX XXXX of the USPS Consumer and Industrial Contacts Dept. ( XXXX ) on XX/XX/XXXX who assured me that that as long as I continued to receive mail at the current correct address ( which I did ) that it could not be an official change because all of my mail would have been diverted to the other address in VA ( which it was not ). I spoke with XXXX XXXX at USPS on XX/XX/XXXX who checked their database and found no record of an address change and spoke again on XX/XX/XXXX with XXXX who also confirmed that no Change of Address was ever processed at the USPS. I then mailed an envelope to my own business address which was delivered by the US Postal Service on the following business day without problem or misdirection. I have been corresponding with US Bank XXXX Customer Service address in XXXX, WI since XX/XX/XXXX trying to resolve this matter by paying the principal balance ( {$670.00} ) on my Business Reserve Line of Credit and proposing a compromise on the interest ( during the period of time that my statements were misdirected ). I spoke with XXXX XXXX, Branch Manager of the local US Bank on XXXX XXXX XXXX XXXX ) on XX/XX/XXXX who indicated that he had authority to waive the interest charges and called his " boss '' for authorization but they declined to negotiate in good faith. My account with US Bank was closed in XX/XX/XXXX and no disclosure of an open balance on the Reserve Line was mentioned at the time. I was unaware of it since my partner XXXX XXXX primarily handled the account and has since died of XXXX. I acknowledge my fiduciary responsibility for the debt and have repaid the principal in full. They are denying any culpability by blaming the USPS for supplying the change of address which I never authorized and the USPS never processed.

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 2021-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
I recently noticed a false report to my credit file. After requesting my credit file, I noticed a negative inaccurate report on my credit file. The report states that I owe {$5800.00} to I.Q Data international Inc. located in XXXX Washington. On XX/XX/XXXX I sent a Debit Validation Letter to I.Q Data International Inc. and two other companies on my credit file. The other two companies have since then responded with a decision. As of XX/XX/XXXX, I.Q Data International Inc has not responded to my request. Furthermore, the amount of debt reported has since then increased from {$5800.00} to {$5900.00}. 

Enclosed are copies of receipt indicating the date I sent the letter demanding validation of debt and proof that the company received my request. 

Meanwhile the report is currently affecting my credit report. By the way this is the only negative report on my credit file.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
someone is using my Personal information without Consent I'm a victim of identity theft this is not right this fraud needs to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/20 I sent letters to each bureau. I have not received a response yet. I feel like I'm being taken advantage of and being ignored about my disputes. Section 611 ( a ) plainly states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you have caused me for violation of my rights

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE

Complaint narrative:
I went in to my local Kohls store on XX/XX/21. While there, I was asked if I wanted to use my Kohl 's charge account to receive a discount on the purchase that I was making at that time. I did not have my physical store card with me ; the cashier indicated that I could use my driver 's license to locate my existing account. After allowing the cashier to use my driver 's license to locate my account, the cashier stated that he found my account but that he needed an income verification update. I consented to the income verification update. However, I received a letter from Kohl 's indicating that an application was submitted in my name and that it could not be opened due to an existing account. being opened. I then contacted Kohl 's directly. I was advised by the representative in the application 's department that my application was not approved due to an existing an account but that the existing account was closed on XX/XX/21. The exact day that I was in the store doing what I mislead to believe was an income update. I was then transferred to a customer service representative, who then hung up or the line was disconnected. I then called back through Kohl 's customer service. The representative verified my information then after listening to me speak for 4-6 minutes asked me if I was calling about my Kohl 's account or someone else 's. Clearly the representative was not listening to what I was asking or trying to understand why I was lied to about the application and why my account had been closed without any knowledge or authorization by me. The representative had no answer as to what happened with the new application being submitted and seemed to be struggling to find answers to common credit score questions. The rep then stated that my account had been closed due to not being used. However, when I was at the store, I was advised the account was open and only need verification due to my last name being changed after getting married. I requested a supervisor who could not answer the questions that I was asking. I advised the representative that I felt deceived because no one said that an application would be submitted and then denied negatively affecting my credit. They have not resolved, any issues. The supervisor told me a different date from the previous rep for credit closure. The supervisor indicated all he could do was fill out a request for someone else to try to fix any issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My Experian Consumer Report View/Soft Inquiries of XXXX XXXX reporting every three days starting XXXX a soft inquiry which have been constantly pulled on my credit profile. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

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 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We closed a home loan refinance with Mr. Cooper ( Nationstar Mortgage XXXX, XXXX Mr . Cooper. ) on XX/XX/2020, when their notary came to our home for us to sign the loan documents. From that moment, I asked the lender to send us a copy of the signed documents. Their first response was " Oh yes we dont give the signed copies '', after I insisted that I wanted a copy for my records, their response on XX/XX/2020, was " I can request a signed copy be sent to you via XXXX but please allow some time to receive this thank you ''. 
I emailed again on XX/XX/XXXX asking for an update on the signed loan documents, never heard back. Called their main number on XX/XX/XXXX, spent 40 mins on the phone from one person to the next without a solid answer. 

We are not asking much, just a copy of the signed loan documents for our records, as it is the only way we have to defend ourselves from any unilateral changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that asap!

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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that asap!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have my mortgage with Bank of America. The last couple of months I have been receiving the monthly statement AFTER THE DUE DATE. I have contacted them several times ( spent hours on hold ) .. They told me they generate my statement on the XXXX of the month, even though it is DUE the XXXX of the next month. In other words, my XXXX statement, due on XX/XX/XXXX, won't even be sent out until XX/XX/XXXX. My statement won't arrive by the DUE DATE. 

I feel like this is totally unethical. I don't want my credit score screwed up because my mortgage company sends me the statement AFTER THE DUE DATE. I think they want people to default on their loans! 

How am I supposed to pay on time if I don't receive my statement until well after the due date, then I have to send it back, making my payment late every month! Just doesn't seem right and Bank of America needs to explain this.

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 2021-01-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly states that a failure to investigate these items. I demand these accounts be delated immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
someone is using my Personal information without Consent I'm a victim of identity theft this is not right this fraud needs to stop

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 2021-01-21 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: AES/PHEAA
State: AK

Complaint narrative:
Debt was discharged in Chapter XXXX bankruptcy. Original creditor REPORTS it as such. Whoever this is apparently tried to buy bad debt AFTER the chapter XXXX and is trying to collect on debt that was discharged. They report it as CLOSED, yet they report it as LATE every month. ILLEGAL and I want it to STOP! IF XXXX show the debt was discharged, they CAN NOT pass it off and sell it to someone else after the bankruptcy to try and collect!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$150.00} -This is not my 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 2021-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$340.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$340.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XXXX XXXX XXXX with a balance of {$150.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing a complaint as a response to my recent dispute with Transunion from XX/XX/20. There is a collection account I have disputed/had removed twice and the same account was deemed " accurate '' with the recent dispute. Initially, I filed a complaint against the original creditor, XXXX with the collection agency, XXXX XXXX XXXX included. The complaint was not able to be sent to XXXX ( which was the source to resolve issue ). After research, I discovered XXXX is no longer a company. I am addressing the issue with Transunion as this is where the disputes began with XXXX. This account has been previously disputed and removed from my credit report twice : 1. XXXX XXXXXXXX on XX/XX/20 and 2. XXXX on XX/XX/20. First, I made a counter-offer of 42 % to their 70 % offer for settlement, mailed payment and it was rejected/requested to pay full amount. Second, I spoke with a representative on the phone, agreed to pay 50 % and requested the offer in writing. I never received the offer in writing. I have requested cease of communication from the current collection agency. I prefer to address issue with XXXX, but I wanted to inquire why the first two collection agency attempts to collect debt were removed and the current collection agency deemed valid. I would like clarity to the decision of the current dispute results.

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 2021-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On Saturday, XX/XX/XXXX, I was contacted by phone by a young lady stating that my Amazon Account was being hacked by several hackers from overseas. Though skeptical, she had me log into my Amazon account and took over the cursor controls, navigating around and showing me what was wrong. This convinced me that this call was legitimate. She then advised me that anti-hacking software (? ) was needed to delete the hackers from my account. To do so, I needed to purchase gift cards, which I could not do on line. I proceeded to XXXX, XXXX, and XXXX and did as I was told, using the Chase credit card in question. When she advised me that additional gift cards were needed, I finally smelled a rat and hung up. I immediately called the Chase Customer Service Dept., told them I had been scammed and wanted these charges removed from my account, as well as having a new card issued. Their employee was very understanding and courteous, removed the charges and assured me that I would not be held accountable for them. He said he would report this to their Fraud Dept. as well. A few days later I received my new card in the mail. While routinely checking my credit card balances this weekend ( XX/XX/XXXX ), I was shocked to see a {$3000.00} balance due on this card dating back to XX/XX/XXXX. I immediately called Chase Customer Service and was referred to the Fraud Dept. who transferred me to the Dispute Dept. I was told by them that I am, indeed, being held accountable for these charges as this does not constitute fraud -- but it does. The young woman on the phone misrepresented herself as being from the security department at Amazon ; she lied to me and misled me. I received no benefit from these transactions.

Company response to consumer: Closed with explanation