vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On  XXXX   XXXX   2017 , I made a deposit into o ur US b ank account from our  XXXX   XXXX  Account, both accounts located in Arizona total deposit  XXXX . I checked our account to find the deposit listed as other balance adjustments  XXXX . No explaination, no note, nothing indicating as to why??? I checked our  XXXX   XXXX  account and could clearly see that the check had cleared on  XXXX   XXXX ,  2017 . I called  US  bank, I was given the run around and told that fraud placed a hold, gave me the #  XXXX  and trasnferred me, they are closed on the weekends. I call back to customer service, response is that ca n't do anything, asked if I go to my branch can they release with the check showing clearly that the check had cleared  XXXX   XXXX , response, No sorry only fraud can help you quoteing Regulation CC. I called fraud this morning  XXXX  stating that the funds were not available from m y   XXXX   XXXX   account, untrue, check cleared same day, told me the hold was in place for 7 business days, I asked if I could send her the cancelled check, she said no, that I have to go to my local branch, what the heck is going on here. I said that is my money, that I have revceived no notification that they legally  have to send to me, I said I wanted a copy of what ever documentation the fraud department had that stated the funds were not good, she could n't give me that, she hung up on me. Now I have to wait again and contact the local branch at  XXXX   XXXX , This is criminal as far as I am concerned, we have been good customers at  US B ank, now to be treated like I am a fraud is beyond comprehension, Banks should not be able to treat customers that are trusting their money with them this way.

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 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
CFPB just found this company to wrongfully try to collect a bogus Debt from me. They have since removed their collection from my  XXXX  credit report but now have appeared on my  XXXX . This company told the CFPB that they would remove EVERYTHING associated with me immediately. They have NOT. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information from my 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 non-monetary relief
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it  may conc erns, I am writing regarding a few accounts that have been on my credit report with Equifax for more than 7 years. I have contacted Equifax many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Equifax has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Equifax and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )   XXXX   XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX     XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX    XXXX   XXXX   XXXX   Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Genesis Lending
State: TX

Complaint narrative:
-  XXXX   XXXX ,  XXXX  : Received a notice from the IRS saying that my  XXXX   XXXX   XXXX   c/o  Genesis Lendin g Services loan of  {$4000.00} was being recorded in my  XXXX  tax return as a cancellation of debt. I then owed the IRS {$3400.00} ( {$110.00} of that is interest ) - After many complaints to the IRS about the invalidity of this debt, they made me go on a payment plan or threatened to have my wages garnished. So now I am paying {$100.00} per month to resolve this debt with the IRS. But do not feel that this debt is valid. So now after I, hopefully, get this resolved, I will need to work on getting a refund from the IRS.     - I never signed a loan with Genesis Lendi ng Services, that I can remember. I have since created an account with www.studentloans.gov to see if I could find my Master Promissory Note, an d it 's not registered in the system. I then called  XXXX  University to see if I could get a copy of the MPN, and they said that the campus I attended closed and they do not have access to those records yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: GA

Complaint narrative:
I have submitt ed 2 claim s already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports.  XXXX  and Transunion keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.

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 2017-05-01 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: GA

Complaint narrative:
I have submitted  XXXX  claims already and multiple disputes with the credit agencies to fix this issue. While  XXXX    XXXX   has told me that they have submitted the fix, the proof is with the credit reports. Equifax and  XXXX  keep flipping their reporting from positive and negative.     While they updated a few things  XXXX  requested they did not update the main portion which is the current status of my account. And because of that, it is currently hurting my score and my APR for my new loan on a home.     I am requesting again,  XXXX  and the credit agencies report to the credit agencies the correct information. I do n't want to hear that you have when obviously it is not being reported by  XXXX  as current.  One day it appears as if it is fixed, then the next it is back negative again. All while the current status listed shows 30 days late even though the other information backs-up the proof of it being current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: KS

Complaint narrative:
At the end of  XXXX  I was told that my only option for my student loans was to use the last of my deferment an that I would n't have to make a payment until  XXXX   2017 . In  XXXX  I got a call saying I was past due on my loans. I called an they said that I was past due an could make my account current with the past due amount. I told them that back in  XXXX  I was told I would n't have to make a payment until  XXXX  an the person I spoke with did n't understand the notes that were wrote in  XXXX . He then proceeded to tell me that my co signer could make the payment for me even though I had told him I am no longer working an my husband was in the process of a job change. He said I would need to do a hard ship to see that I could qualify an that they could lower my payments. I sent in the form an today I was told that their is nothing they can do to lower my payments an that when we get back on our feet to make a payment. They have been harassing me an my cosigner with phone calls, even though I was told they would stop calling an make  a note in the file that I could not make a payment. I have looked at refinancing but I just do n't have the credit score or income to qualify. I am hoping that this complaint can help an get me somewhere as I feel like no matter what I do or who I talk to I get a different thing or the run around of an answer. They do n't seem to care about my situation an it just seems they want to make money off me no matter wha t my situation is!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 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: Receivables Management Partners, LLC
State: PA

Complaint narrative:
XXXX   XXXX   sent information in  XXXX  about unpaid  XXXX  I sent them a check that same month, They never cased the check and I was never notified that {$63.00} was still due on the account, this company already was not paid by my insurance company due to them submitting the claim to the wrong department and now the submit a  XXXX  collection to my credit report using a credit collection agency and then did not use the correct address.     I called collection agency and they also sent the notices with incomplete address

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Netspend Corporation
State: VA

Complaint narrative:
Lost wallet, reported and closed card on   XXXX   XXXX   XXXX      Contacted Net spend due to amount being charged for replacing card {$10.00} Website states account can be closed and fee of {$5.00} would be charged ; check woul d be issued  XXXX  business days.   Account cancelled and check #  XXXX  processed   XXXX   XXXX   XXXX     Amount of my check : {$1500.00} Advised to wait  XXXX  business days  Time framed passed and I was advised to allow 5 extra business day for check to come.    Was told by supervisor named   XXXX   that if check was not received ; to call back and have check cancelled Check would then be cancelled and reissued in  XXXX  business days.   Called today   XXXX   XXXX   XXXX     and was told I would have to wait  XXXX  more days.   This situation has cause tremendous stress on my finances, me and my unborn child expected to arrive any day now. Please assist me on what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Transunion for more than 7 years. I have contacted Transunion many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Transunion has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Transunion and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Transunion because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX   )  XXXX   XXXX   XXXX   XXXX  ( I HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :  XXXX   XXXX    XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  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 2017-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Coastal Financial Solutions, LLC
State: PA

Complaint narrative:
We received calls on our home phone, work phone, wife 's cell phone, daughter 's cell phone, older son 's cell phone from a woman who identified herself as   XXXX   XXXX   from  Coastal Financial Solutions  - phone number  XXXX  - on  XXXX / XXXX /  XXXX   at  XXXX . She stated she was conducting an " investigation '' of our younger son who is in the  XXXX  and currently  XXXX  in  XXXX . This son told us he has no business with this company and is prohibited from taking payday loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A series of fraudulent charges were made to my chase debit card in mid- XXXX  (  XXXX , I believe ). I was sent a text and followed steps to verify the fraudulent charges. A credit was given to my accoun t ( to the sum of {$310.00} ) for the two purchases ( {$65.00} and {$250.00} )  that actually went through before being marked as fraud.   Later, I received a package that had been processed through fraudulent charges to the same address as listed in my billing information carried with the card. Upon receiving this box  ( a bun ch of coffee mugs I had never ordered, but were the fraudulent purchase ) I called chase to talk to a representative and tell them they some how had the items shipped to me, but there was no return information and the website they were from seemed fake ( " buyourstyle.com and www.customtee '' ). I was told not to worry about it and throw it out or do whatever I wanted with the package since there was no return information.   Weeks later I receive notification that my claim was denied because the company the charges went through verified my address, name, and that the package had been shipped. On top of the fact that I notifie d Chase of my reception of t he package, and was told not to worry about it ; it is easily attainable information through a rudimentary google search that scammers can have items shipped to your billing address ( intentionally or n ot ). Yet, my claim w as denied because they sent me a non-returnable package.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This company submitted a hard inquiry to my credit report despite the fact that they have no permission from me to run my social security number and no credit card was requested by me. No CBNA/Sears card exists in my name. I have disputed this issue twice in writing to the address below and have received no response. Because this is considered a " bank error '' by the credit bureaus, they have no power to remove them.     This hard inquiry damaged my credit report and lowered my score. They must remove it in a timely manner and send the removal to all  XXXX  credit bureaus.     Their contact information is below.     CBNA/SEARS   XXXX   XXXX   XXXX      XXXX  Department  Stores    XXXX   XXXX   XXXX    XXXX   XXXX , SD  XXXX  BYMAILONLY

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 2017-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  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 non-monetary relief