vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-28 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: Experian Information Solutions Inc.
State: KS

Complaint narrative:
XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE ON MY 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 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
When I initially opened my account with Santander they persuaded me into opt in to over-draft protection, me not knowing then this was a way for them to make money. The first time this occurred for me going over XXXX and they charged me XXXX. I opted out .... today they have not removed this feature and recently I accumulated some fees because of things that came out of my account and my balance reflecting the wrong availability ... ..

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 2017-07-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
refuse to investigate unauthorized credit inquiries ( XXXX inquires currently - XXXX XXXX XXXX XXXX and XXXX XXXX ).
refuse to provide proof of verification paperwork and process of XXXX negative items on my credit ( XXXX XXXX XXXX and XXXX XXXX XXXX ) these items do not belong to me, yet Experian continues to list them on my file with out proper investigation.

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 2017-07-28 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: FL

Complaint narrative:
some time on and around XXXX 2017 an inquiry show up on my credit report. the company is XXXX XXXX XXXX address at XXXX XXXX XXXX XXXX iL XXXX I have notify Equifax and XXXX. XXXX contact the company and they remove but no not Equifax. I never apply for credit and I contact then and they told me that they do not take for customer

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
XXXX XXXX XXXX/16 i have no knowledge of this accounr

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: U.S. BANCORP
State: IA

Complaint narrative:
PLEASE NOTE : U.S. BANK HAS MY ENTIRE TIME LINE, POLICE REPORT, FILES, DOCUMENTS, EVERYTHING IM STATING BELOW.
XXXX XXXX, 2017 I received dismissal papers from A Judgement issued against me from U.S. Bank on XXXX XXXX, 2013. I believe the OCC case # XXXX was responsible for this, and my last phone call with the OCC was on XXXX XXXX, 2017, and they stated my case # is still open and I sent them all the documents and updates since my Dismissal on XXXX XXXX, 2017, INCLUDING THE RESPONSE LETTER FROM U.S. BANK.
I submitted all the required documents to U.S. Bank to get reimbursed for my expenses on XXXX XXXX, 2017, which was received by U.S. Bank on XXXX XXXX, 2017. U.S. Bank in return sent a response letter dated XXXX XXXX, 2017 but I did not receive it until XXXX XXXX, 2017. 1 DAY LATE AND AS I STATED, THE CLAIM WILL BE CLOSED IN MY FAVOR, AND I WILL BE EXPECTING A CHECK IF I DO NOT RECEIVE A RESPONSE BY XXXX XXXX, 2017 U.S. Bank is now claiming my claim is closed with them and their reasoning is in the letter. I have tried to contact the Fraud Division Directly, but U.S. BANK WILL not letme speak to the Investigator. U.S. Bank simply says, my claim is close, I need to go to law enforcement now and take it up with the cops.

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 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I contacted Bank of America on XXXX/XXXX/2017 to advised them that I never had an account with them and for them to please provide proof of the complete payment history, the original contract that I sighned. What type of account, where the account was opened and my signature. I received a correspondence from XXXX XXXX XXXX XXXX XXXX on the behalf of B of A dated XXXX/XXXX/17 which was a print of from billing statements which did not provide me with any proof that I opened account. I then contacted B of A at XXXX spoke with a representative who advised me that the account was old and she was not able to provide me with the document I requested. I advised representative that if you ca n't provide documentation it need to be removed. Rep then advised no it is mine and it will not be removed. I them wrote another letter and send to the three agencies explained the above and submitted the billing statements that XXXX provided and they all updated my file stating it was accurate and updated.
I would like this deragarory item removed from my credit file. I can be reach at XXXX or XXXX.
You assistance is needed it 'd been 3 months and numerous letters and calls made with no resolution.
Sincerely 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 2017-07-28 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: GA

Complaint narrative:
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report.
Under the new law effective XXXX XXXX 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

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 2017-07-28 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: GA

Complaint narrative:
On XXXX XXXX, 2017 I checked my credit reports and I was notified that a public record and a bankruptcy ( legal item ) from circuit court was removed from my credit report. Under the new law effective XXXX XXXX, 2017 any public record data and legal item must include the consumers name and address as well as social security number or date of birth in order for any records to appear on their credit file. The credit bureau removed the records and has since re-inserted them on my report. Per the new law true Bankruptcy listed does not include XXXX this information and should be deleted from my credit report. In addition, XXXX XXXX or any other consumer reports.

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 2017-07-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Elite Financial Services, Inc (MA)
State: MA

Complaint narrative:
I called a company Elite Financial Services Inc. to consolidate my credit cards they send me a paper to sign, they amount they charging me is crazy. they are taking advantage of innocent people like me who are desparate going through financial problems, i hope they do n't do to other people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: ID Analytics, Inc.
State: TX

Complaint narrative:
On XXXX XXXX, 2017 I purchased a vehicle from a XXXX dealer in XXXX, Texas. The auto loan was to be secured with XXXX XXXX. I received documentation on XXXX XXXX, XXXX that XXXX " must regretfully inform you that we were not agreeable to handling the proposed transaction as submitted. We would, however, be agreeable to handling the transaction under the modified terms which have been relayed to the dealer. '' The letter goes on to state that XXXX  reported my credit score as XXXX but SageStream , LLC reported it as XXXX. On Friday, XX/XX/XXXX at XXXX Central Time I called SageStream , LLC 's number listed on their website to obtain a copy of the report to determine why score is so much lower than XXXX . The call is answered by an automated message and goes straight to a recording after selecting the option for a copy of my report. The recording asks you to leave a detailed message and I will receive a call back during normal business hours. A quick XXXX search brought up multiple reports of other loan applicants with similar stories. The theory is that SageStream receives a kickback from certain banks for submitting low credit scores in order for the loans to be renegotiated for the bank to earn a higher interest on the loan. One bank, XXXX XXXX, was named multiple times. As such, I am filing this official complaint because there truly may be something to the theory that XXXX XXXX and SageStream are colluding to make consumers engage in loans with interest rates higher than warranted. This seems to be especially compelling considering I have already paid a down payment on the vehicle and need the auto loan or risk forfeiting the vehicle and would be out the down payment for a vehicle I have driven for less than one month.

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 2017-07-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have an account and store card with QVC and placed XXXX orders with QVC on XX/XX/2017. The order numbers are XXXX and XXXX. I logged in to the website on XX/XX/17 to track my shipment and was unable to log in, so I contacted customer service who said they would research the issue. I found out today XX/XX/17, that my account was cancelled by their corporate office because someone who used to live at my address has a past due balance with their company. The person they are referring to is not me or my spouse and does not live at my current residence, but they are refusing to allow me to use my store credit card or make any purchases with their company until this other person pays their bill. I tried to work with them and advise them that I am not legally responsible for this person but they told me that it did not matter and they would not help me. The service supervisor that I spoke to was extremely rude and did not seem to mind that it was illegal to hold me responsible for someone elses debt and refused to reopen my account so that I can use my existing credit line. I still have the open credit line with them and I am not sure what to do as they will not allow me to use it or any other method of payment.

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 2017-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
This debt appeared on my credit report. I am not sure what it is or who it is or why they are harassing me. I do not have anyone to have a joint account with. I am not married and I have no children. It could possibly be identity theft or theft

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 2017-07-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I called Equifax today after a creditor was unable to pull my credit report, and I was told that my credit file had been placed with the office of consumer affairs. They are blocking access to my credit report and creditors are unable to access my file. This is causing me to miss out on being able to apply for a mortgage. Additionally, I am unable to gain online access to my credit report as they have blocked me from that as well. I was told by a representative in the consumer affairs office ( she refused to give her name ) that access was blocked because I disputed the incorrect spelling of my name and addresses that were not mine. As a result of seeking an accurate credit report, I no longer have timely access to my credit report and potential lenders are not able to access my file. Additionally, I called back and spoke with a XXXX XXXX who said that the reason why Equifax was blocking access to my file was that my credit file was " randomly chosen ''. This is a direct contradiction to what I was first told - ( clocked because I disputed the incorrect reporting of my name and address ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: MI

Complaint narrative:
On XX/XX/XXXX, the state of michigan 's step forward program which was created by the hardest hit fund sent over {$15000.00} dollars to Amerihome Mortgage company to bring my account current to avoid foreclosure proceedings. Amerihome acknowledged those funds on XXXX XXXX, 2017. I just spoke to a representative today on XXXX XXXX, 2017 acknowledging that I am current. However a different representative today has told me that I am still in a state of foreclosure and the sheriff 's sale is still listed for XXXX XXXX, 2017. They also will not let me make a payment for XXXX XXXX, 2017 when the payment is due until the past due amount of {$15000.00} dollars is paid. I am consistently getting inconsistent information and the phone calls are becoming harassing stating that I still owe money even though they have already accepted funds to bring me current by the State of Michigan 's program.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 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: IL

Complaint narrative:
There is a account in collection on my Experian Credit report that is incomplete information and can not be verified and it still remains on my credit file. I have provided documents of the account and what missing and inaccurate information is on my file. I have also provided a letterhead document from the original furnisher of the account stating what I am disputing. This account must be deleted from my credit file immediately.

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 2017-07-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
A loan modification application was submitted on XX/XX/XXXX to lender, but they are not doing anything with it apparently. These are violations of the VA servicing guidelines

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 2017-07-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GreenPath, Inc.
State: CA

Complaint narrative:
In XXXX 2017 the debt management service I had my account with XXXX. ( XXXX XXXX XXXX XXXX XXXX XXXX ) changed companies to GreenPath during that time I did not receive a statement for XXXX or XXXX from the new company GreenPath. Because of me not receiving a statement ( reminder ) I did not make a deposit. the previous company did a great job in sending me statements, return envelopes and statements where the monies were spent. GreenPath did none of those things Their accounting does not add up to the proper amounts. As soon as I found out about the issues I sent deposits to GreenPath.
When I received a statement on where the monies were spent XXXX of the creditors were not paid and are threatening to charge off the accounts. GreenPath 's excuse was they are paying priority accounts instead of paying each creditor as previously determined by XXXX.
GreenPath has not dispersed all of the deposit monies deposited and have continued not to pay all the creditors as did the previous company. XXXX creditors are still not paid yet there should be sufficient funds to pay all creditors as previous company had done. The XXXX creditors are XXXX XXXX and XXXX XXXX. XXXX XXXX has told me they have not received a payment since XXXX but I have a statement dated XXXX XXXX, 2017 from GreenPath stating XXXX XXXX is being paid {$110.00} My deposit amount each month is {$560.00} but GreenPath has only been dispersing {$450.00} so there should be a balance deposit of {$110.00} minus fees of {$35.00}. When I have called and tried to get them to pay the creditors not paid I have been told I have a balance of {$5.00}.
This issue has been on going since XXXX I need help to get my credit management back in good standing.
Everything was good until GreenPath took over the account.
Please help.
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
American Express - I always keep a well paid balance 's in on my personal and business credit reports.
I had one personal and another business credit card. XXXX 2015, I closed both, and paid off the personal account approx 4,000 Dollars, and requested they provide proof of the business account was mine, approx 3,000 Dollars owed. They resisted to provide it to me, and for month 's diverted the calls to another department, in XXXX and collections agency. I communicated with the debt collection agency about my concerns, and American Express eventually provided Bank Statements in XXXX of 2015- I called AMEX Headquarters in XXXX, and XXXX XXXX to discuss and they still resisted to show me the business account belonged to me, and that I was in fact responsible for the balance. When the balance showed up on my personal credit report, I acted straight away and paid if off in Full. I 've used various methods Lawyers, Reporting agencies to try and resolve this matter on my reports. I need to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Home mortgage with Wells Fargo. Mo pmt is about {$650.00}. I pay {$350.00} every two weeks through auto deductions. Problem is that WF keeps the first {$350.00} and holds it until the second {$350.00} pmt is rec 'd and then they post a pmt to my acct. Should n't I get interest for two weeks worth of {$350.00}? -OR- Should n't I get credited immediately for each {$350.00} pmt they receive? WF just tells me it 's the way they do business. -OR_ Would it make more sense to pay {$700.00} every four weeks. The goal is to pay a bit more than I owe each month and to get in an extra payment every year.

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 2017-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My checking account was compromised by one of the tellers at the Citizen 's Bank, XXXX XXXX XXXX location in XXXX. I had someone deposit money into my account. The teller in XXXX  gave the person making the deposit a receipt with my balances on it. Which is a clear violation. When I contacted the bank the woman said she was the teller and there was no manager at that branch and she terminated the call. I have receipt she gave gentleman who made the cash deposit into my account and can fax or attach to an email.
{$100.00} deposit was made at Citizen 's Bank XXXX XXXX XXXX XXXX Wednesday, XXXX XXXX, 2017 XXXX Teller Number : XXXX Bank : XXXX XXXX : XXXX Transaction # : XXXX Desired Resolution : Applicable FTC Fines be paid to me and I would like not only to be compensated for the banks error I would like them to formally apologize and to ensure it Never happens again. Thank you.

Company response to consumer: Closed with explanation