vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I made my monthly payment of XXXX directly at PNC Bank on Friday XX/XX/XXXX. The payment was due on XX/XX/XXXX. I received another one of their " so called '' don't lose your home attempts to extort more money out of me than is due. This is the second time in eight months I have had to report this PNC Bank stupidity to your organization. You have always helped me. It looks like this misappropriated my payment to someone else account again. They refuse to account for the money I have paid in the form of statements. They are crooks and should be jailed rather than handling home mortgages and home owners loans. from here on out. Their lie they can't do this because of a bankruptcy from eight years ago is unexcuseable now. They are a crumby institution. 
I want an accounting of every XXXX I have paid them and a statement every SINGLE month -Yours Truly Second time in eight months. How stupid can they be. As for the publish request below. PLEASE DO! And thank you again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX  refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 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: AR

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and  highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-12-06 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: AR

Complaint narrative:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how Equifax verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call Equifax back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. Equifax refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ERC
State: TX

Complaint narrative:
XXXX XXXX XXXX from XXXX, Florida has been harassing me with various threats from the destruction of my credit report to lawsuits and jail for a debt I don't owe this has been going on for nearly a year if I don't answer they leave threatening voicemails the last abusive call from them was today XX/XX/2018 at XXXX XXXX  central time I am physically exhausted from them an scared.They need to be investigated by the F.B.I this is outrageous!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: CA

Complaint narrative:
I received a Mastercard gift card from my employer in the amount of {$200.00} in XX/XX/2018. I tried to use the card at a hotel to pay for part of my stay and it did not process. Upon returning home I tried to register the card online and found out someone had used the card ( nobody I know ) and this was fraudulent as the packaging was not tampered with or open when I received the card. On XX/XX/18 was the date I tried to use the card. Whomever stole the card and compromised it used it in XX/XX/2018 for a purchase of {$170.00}. I have contacted the customer service line to have them issue me a new card for {$200.00} and have submitted them the details I have, along with a copy of my drivers license and address to mail the new card. I have contacted them two times now with no resolution of when the new card will be mailed to my home. I have provided all the information I have to the Mastercard gift card company, along with to US Bank. I was informed that US Bank is who the card is issued from.

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 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
My credit card, Bank of America, closed my account without any prior notice. They sent me an email the day they closed my account and told me it was closed. When I called to find out why, they explained after a review of my credit, my credit card usage was to high. Not that I was late with payments, which i was not ever late. I also payed more then the minimum on all my payments. When i tried to get my rewards balance that i was saving up on my credit card they told me i forfeited my rewards when my account was closed. My rewards balance is {$320.00}. Not something just to walk away from. I was told by one account manager I wouldn't loss my rewards because I didnt close my account they did. When I called to claim my rewards another account manager, and supervisor told me the only way to get my rewards is to have them run my credit again and see if they can open up the account and put my points back on it. They know what they did is wrong but wont fix it. If I was traveling with this card only, and they shut it off like they did, without notice or care were the person is or what they are doing. It could have caused me a very big hard ship.

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 2018-12-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Zingo Cash Illinois LLC
State: IL

Complaint narrative:
I have tried numerous times to work with this company. I set up a payment plan with them Awhile back which they did not remove the late marks on my accounts. 
Also they threatened to send me to collections numerous times after I asked that I would pay if they stopped reporting me late. 
At one point they even threatened to let my employer know. 
They also have raised my balance from {$500.00} To {$1200.00}. 
I want this company to drop everything from my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: MT

Complaint narrative:
XXXX there was a single fraud charge on my debit card..police report XXXX. The staff accidentally put several other charges into fraud .... causing a disaster with my funds. The only charge I disputed was from XXXX XXXX. I live in Montana. On XXXX. I closed my accounts, with my personel banker, XXXX ... at a XXXX balance. On XXXX I walk into the branch office, XXXX says your account is overdrawn. This is how I found out, they did not notify me. Also they forced closed a closed account for XXXX fee. I only signed off on one fraud charge. To many odd mistakes. They all nounce me back forth, telling me this is my fault. I didn't push any buttons by Mistake. The default company says my balance with them is the branches problem. The branch will not accept my calls. My security code has been removed, I can not access an account which I closed and am being told I have pay this amount. Several years of loyalty to this bank and iam shoved around, yelled at by this companys staff. The branch manager, on a three way call with 800 at the beginning, lied to me face to face, never took responsibility, no one did, as this is all my fault.

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 2018-12-06 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA
State: VA

Complaint narrative:
XX/XX/XXXX i received an email stating that I was late on my payment. THe email stated " This reminder is to let you know your payment in the amount of {$330.00} was due on XX/XX/2018. '' So i called on XX/XX/XXXX to figure out why I was behind. I knew i made a payment on XX/XX/XXXX for {$160.00} and a 2nd payment on XX/XX/XXXX for {$160.00} to make my full payment by the due date. But when i checked online it said that i owed {$150.00} plus my XXXX payment of {$330.00}. I explained the above about how i paid and the rep said that because i alloted my second payment to certain loans that interest accrued and I owed it. I told him that i made the monthly payment amount though. He said he create a re-allocation request that would take 7 days. I then thinking about realized how could i owe {$150.00} extra when i made a payment to each loan and targeted {$150.00} to the loan with the highest interest rate. So I called back on XX/XX/XXXX and spoke with a different rep. She stated she didnt know why it showed I still owed money when i clearly made the full payemnt with my two payments and i allocated a dollar to each loan. She said that she would request that my account be adjusted as she sees the payment. she stated that would take 3 business days. So i waited until XX/XX/XXXX evening to check on the account. Neither of the requests occurred but I made my payment of {$160.00} again on XX/XX/XXXX. Yet on XX/XX/XXXX it showed i still owed {$320.00} rather than only owin {$160.00}. So i called again to follow up. The new rep stated that when i allocated i didnt satisfy what i owed for each loan. By alloting a {$1.00} on each loan except for 1 with {$150.00} that the others still had to be paid their stated payment amount for each one. I asked her then why is there an option to allocate funds to certain loans within my payment amount. she said that only if you paid more than you agreed payment amount could you allot more funds to go to a certain loan. This is a deceptive practice which essentially forces payers to not allot funds and payoff loans with higher interest rates without paying an amount much higher than their agreed payment. Essentially, I'm on an income based payment plan that they decide the payment but a student can't allocate funds even though on the payment screen has a section to do so. This gives student repayers no options except to pay more than they can afford and not target loans with high interest rates based upon the payment the income based rate or repaye rate assigns to them. XXXX tried to make me pay {$150.00} extra dollars than the agreed {$330.00} amount that they set as my affordability range for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Im XXXX and I can not get a credit card they cast I dont have any credit.

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 2018-12-06 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: IL

Complaint narrative:
I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.

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