vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CO

Complaint narrative:
Opened up a checking account with US bank online..at the time they offered a promo that if you had direct deposit within 60 days there would be a {$300.00} deposit into the account.This promo code was attached to my account upon completion of beIng opened..I called customer service to get more info and was told I had to go to my local branch.I went to the branch at XXXX XXXX XXXX XXXX XXXX  XXXX Co XXXX and sat down and spoke with a rep..I was told that she had to do more research and would give me a call to let me know the status..I never received the call.I called again numerous times no answer.Finally was able to get someone to answer at XXXX and once again was told I would be contacted by the individual who promised the first call back..I need a rep to contact me and let me know whats going on with 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 2019-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX  partial account number ****XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
This is my second complaint about DRS. This morning, the day after CFPB closed my previous complaint without any resolution, they texted me again about my brother 's debt. 

I want them to immediately STOP contacting me about my brother 's debt. I DO NOT OWE ANY DEBT. STOP CONTACTING ME.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear Equifax, I am a victim of identity theft. I woke up last week check my credit report because I am planning to have a kid in the near future without my credit I cant do nothing. it is really frustrating .I have everything attached. Thank you EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am ( 60 ) days late on the XXXX XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be past due on an account with a {$0.00} balance. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.

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 2019-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MN

Complaint narrative:
Hi i'm missing a XXXX $ sign up bonus for my checking account, its been past the 8 weeks after qualifying and still no bonus, i tried contacting them about the bonus and they gave me some bs excuse for it saying i had a checking account with them before when I've never banked with them ever in my life. 

If i don't receive the bonus i'm gon na close all of my accounts with you guys and let everyone know how bad of a bank this is. 

Here are the terms - Choice checking {$200.00} bonus requirements : Open new HSBC Choice checking account by XX/XX/2019 Deposit a minimum qualifying balance of {$1500.00} or more in new money in combined checking and savings accounts within 30 calendar days of account opening Maintain at least the minimum qualifying balance for 90 days from the date you deposited the minimum qualifying balance

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have contacted SYNC/BP through multiple attempts concerning a debt I was unfamiliar with. I contacted SYNC/BP in writing letting them know I was a victim of Identity theft and provided a report from the FTC, along with proof that the debt did not belong to me. Please note my legal name on this account is incorrect. Please also note, I moved from the address that this account was opened at months before the account was opened. I provided all information regarding my legal name including photo identification. Which is the reason I am requesting the original contract for the debt. I had an issue with identity theft prior and just trying to correct this companies records. 
I received a letter from SYNC/BP on XX/XX/2019, stating that they would immediately closed this account, notify the credit bureaus to remove the account within 60 days. On XX/XX/2019 I sent SYNC/BP a follow up letter, letting them know this account remained on my credit file after the 60 days. I receive a response from SYNC/BP on XX/XX/2019 stating that the fraud team reviewed the claim and was unable to approve the fraud based on the following reasons ; You approved, participated, or benefited from the purchase. What steps were taken in this investigation? I was not provided any documentation that proved I authorized, participated or benefited from this account. I never spoke to anyone who represents SYNC/BP or works for SYNC/BP giving any authorization. I never gave a signature of authorization to SYNC/BP or anyone who represents SYNC/BP.

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 2019-10-11 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
XXXX and XXXX failed to remove late payment remarks from my credit reports for the account I have with XXXX XXXX XXXX bank. I pleaded with USAA federal savings bank  that the late payment they reported to the credit bureaus for XXXX of 2019 for the amount of {$370.00} was not my fault. I also pleaded with them to remove the late payment because I had no idea they offered deferments for late payments, and at that time I could not pay the full amount. I told them my story and they refused. So I contacted XXXX and XXXXXXXX to remove the late payment from my account, but they refused to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 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: TX

Complaint narrative:
XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-10-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2019-10-11 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
This company keeps calling saying they are with American Express and looking for XXXX. I have no idea who XXXX is and have told them numerous times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11 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: Riverwalk Financial Corporation
State: DE

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
I purchased a XXXX XXXX XXXX, on XX/XX/2019, and was in a car accident on XX/XX/2019, ( making my 1st payment not due until XX/XX/2019, which was after the accident ). My car was deemed a total loss in XXXX and although I technically wasn't responsible for any payments following the accident, I was told by my GAP insurance, to still make the payment so that my account doesn't default, and that I would get that payment back, because my account will reflect as being over paid after they pay off the loan. Hancock and XXXX XXXX came to an agreement early on, when the guarantee of title was discussed, so after that, it was beyond my control of what their policies and procedures were. I do know that it typically takes 30 days to resolve a total loss claim, and I had no desire in paying more than 1 payment for a vehicle that I barely had a month and could no longer use, especially for {$660.00}. I do believe that if I wasn't so hands on with my account, the claim would still be ongoing. I can show emails to support this as well. I have been calling Hancock every week, sometimes several days per week since the very beginning, up until sometime last week about this issue. I also went into a branch to see if someone could explain to me in person where my money had gone, and like everyone else, she couldn't even tell me. I made 1 payment in the amount of {$660.00} and I have yet to receive any of it back. The payoff amount before GAP made any payments because there were 2, was {$7000.00}, which I have several documents to support this. From what I can see, apparently, 1 of the payments from GAP were reversed and made into a regular payment instead of a curtailment like the other payment, and charged interest. By doing this, it ate up the payment I made out of pocket, and they kept it. When I saw the payments from GAP in my account, I called Hancock to discuss the overpayment at that time, and one of the reps told me to call back in a few days when my account has updated. When I tried to view my account prior to calling, I could log in, but it had been wiped clean. Luckily for me, I had printed it before they deleted everything! I have been stressed dealing with the aftermath of the accident alone, and now I am beyond stressed for what is actually mine! My credit has suffered as a result of this entire mess, and I am out of money that I did not have to pay and I'm hearing that I should not have paid if they knew my vehicle was totaled and I had GAP insurance in place! I spoke to 2 supervisors ( XXXX and XXXX ). I never received a call back from XXXX and XXXX has stopped responding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I went to XXXX University and got one wellsfargo loan. When I left XXXX University they kept putting loans in my name even after I had withdrew. I dont believe these loans are mine but have been paying on them because they keep threatening to ruin my credit. They have been charging me late fees, aggressively calling me on the phone and mail and refuse to work with me. I told them that my husband had died but they did not care they still wanted their large payment. XXXX University says that I do owe for these loans, however XXXX is very corrupt. They fail students they do not like and refuse to pass XXXX students. I finally left because XXXX advisor told me that she was not going to pass me no matter what grade I got! 

Wellsfargo is using predatory practices for these student loans and I need HELP!

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 2019-10-11 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act

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 2019-10-11 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: CA

Complaint narrative:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act

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 2019-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Recovery Systems, Ltd
State: IN

Complaint narrative:
I have tried to tell Nationwide Recovery Systems ( NRS ) to quit calling here for quite some time now. They keep calling for a " XXXX XXXX '' and I have advised them that this is a business number and there's not a XXXX that works here, nor has there ever been. I have told them repeatedly to remove this number and they just keep calling ... 
On XX/XX/XXXX they called here, again, looking for XXXX and they were told again to quit calling here. I sent them a message on their contact form of their website ( https : //www.nationwiderecoverysystems.com/? page_id=15 ) that any future phone calls will result in CFPB, FTC and Attorney General complaints . Since then, they have called three more times : The " warning '' phone call : XXXX, FL : XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX Caller ID : " NRS '' XXXX @ XXXX XXXX, XX/XX/XXXX XXXX, IL : XXXX @ XXXX XXXX, XX/XX/XXXX They called again today ( XX/XX/XXXX ). I told the gentleman on the phone that I was going to move forward with filing the complaints after they were warned to stop. 
Their harassing and predatory practices NEED TO STOP. 
We have had this number for two years and have verified XXXX listings and XXXX pages. There's no reason they haven't done their due diligence in ensuring they have good phone numbers via their skiptracers and there's definitely no reason they didn't remove this phone number once they were told to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I had my XXXX account for over 10 years and when they offered 0 % interest for 12 months on my appliance and lawn furniture the company went out of business. Later Synchrony Home offered a new account but I was unable to use the card due to no stores in my area at the time. After several call to discuss my payments and why the balance is so high they never provided me an understanding on why my fees and interest kept rising but balance never went below 3K? Additionally, I had some bank fraud in XXXX to XXXX and explained to the associate what was going on but I was unable to pay the increase fees that was not waive. Now they sent this account to XXXX  a collection agency. I feel after the store went out of business there was bad accounting practices and never accurate. I was a very good paying customer on this account due to my inquiries they elected to close the account XX/XX/2019 stated no payments but was willing to pay if the provided validation of debt first.

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 2019-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX  credit card was used by an ex spouse, I tried numerous times to dispute the debt because it was used with HIS CARD, not mine. The debt was established in XX/XX/XXXX and should have come off of all three bureaus by now. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. However, Portfolio Recovery Associates, LLC keeps sending me communication and renewing the debt so that it looks like NEW debt on my credit. 

They have sent me communication in XX/XX/XXXX AFTER the debt should have been removed.

Company response to consumer: Closed with non-monetary relief