vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MI

Complaint narrative:
US Bank opened a credit card fraudulently. I ever knew about this credit card. I have filed a complain for identity theft. They report to credit Bureau and my credit score dropped significantly. They are saying they are still investigating and are not providing any help in this regard. Their identity verification has major loop holes and i have been victim of their faulty system. I am trying to buy a house and they messed up my credit score

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 2020-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: IA

Complaint narrative:
To Whom It May Concern, Please may I request your help? I had a checking account opened with the Bank of the West for the last year, given the fact that it was the only national banking institution in a very small town in Iowa. When purchasing a home in the area, I was instructed by the XXXX XXXX XXXX to instruct my bank to set-up an ACH withdrawal monthly, to ensure the payment was made on time. Upon doing so, I personally went into the bank on XX/XX/XXXX and spoke with a teller directly. I specifically put in a telephone call, when in the bank to clarify my routing and account number with XXXX XXXX.The teller representing Bank of the West. The teller argued that the XXXX XXXX XXXX had the wrong routing number and insisted that the number that she relayed was correct. The payment never posted to my account and I was reported 30 days late to all three credit agencies. Company policy with XXXX XXXX is that if a payment is returned, they will not attempt the next monthly payment, therefore reporting a 60-day late notice to all three bureaus again. I was not aware of this until after the fact. I immediately contacted the Bank of the West and they claimed that the fault was placed on XXXX XXXX. I consistently telephoned the company daily until I finally spoke with the one supervisor named XXXX, employee number ( XXXX ) representing XXXX XXXX. I was again informed that a third attempt had been made to the Bank of the West for the month of XX/XX/XXXX that again had been returned. This now has resulted in placing my credit in deep jeopardy. I personally went into the Bank of the West again to ask them to research exactly why these payments were returned. They again placed the fault on XXXX XXXX XXXX and denied me any further help. The supervisor XXXX ( XXXX ) representing XXXX XXXX, Telephoned me back after researching the exact telephone call that had been placed by me initially ; from the Bank of the West to establish the ACH withdrawal. There is a taped recording timed at XXXX XX/XX/XXXX. The teller representing Bank of the West clearly stated the wrong routing number. Please I ask you to help me with this very serious error on the part of the bank. The fault is completely theirs and my credit has been devastated by this massive mistake. Thank you, very sincerely.

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 2020-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Mobiloans, LLC
State: VA

Complaint narrative:
I have this {$1000.00} dollar loan since XX/XX/XXXX. As of today, I owe {$810.00}. They take a total about {$300.00} a month, split bi-weekly payments and i am still not finished paying them. Recently, i noticed that there has been a complaint filed against Mobiloans because of high interest rate, which Virginia won the case. Because of this I received an email on XX/XX/XXXX from Mobiloans stating that they are no longer doing business with Virginia  customers.

Company response to consumer: Untimely response
Consumer complaint received 2020-03-16 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Loan Science, LLC
State: GA

Complaint narrative:
XXXX XXXX who is under a loan servicer called Loan Science have incorrectly reported incorrect information on all three credit reporting agencies. They reported that I was 120 days past due with my loans, which I am current. I have been paying my student loan payment of {$76.00} every month, which I have proof that it has been taken out every month for about 4 to 5 years. Two weeks ago, they reported incorrect information on my credit report that I was 120 days past due, which I was not and I am on the phone with them now and they do not know why that happened. They caused my credit score to decrease to almost 200 points from an XXXX. I am HIGHLY upset because the company had a system error or something. I want this correct immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
This account is closed and charged-off my credit company disputed the charge but they refuse to remove it from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
Stark Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Metro Collection Service Inc.
State: TX

Complaint narrative:
As, I was signing up to the gym, the employee never stated to me that I would be stuck in the contract. I had believed that it was like XXXX or XXXX XXXX where you cancel when you no longer require the service. I moved away back to Texas and did not send the paperwork in time and my account was sent to collections. Please, understand that I am trying to regain control of my credit. I am still living in Texas and would like to know what I can do to fix this. I am trying to make amends and move forward positively. I have not been able to find much stability over the past few years and would like a chance to begin a new. Currently, I am looking for work and am currently in financial hardship with the hopes of becoming proactive about taking care of this to get me in a better position with my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Adjustment Service, Inc.
State: OH

Complaint narrative:
This company is asking for money that is not owed. I never had a sprint. I do not know where this is coming from. My guess is identity theft. XXXX was contacting me and I told them the same thing. Again I deny this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt that is not mine. This is for a lease that I had that the sellers broke by deciding to sell the place. But now they are coming after me for the rest of the lease that THEY broke. This debt should not be mine and I should not owe this, nor should it be on my 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 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX  # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

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 2020-03-16 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: IA

Complaint narrative:
XXXX XXXXs # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

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 2020-03-16 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: HW Holding, Inc
State: AZ

Complaint narrative:
On XX/XX/2015, my attorney wrote Hunter Warfield a letter of representation regarding HW 's efforts to collect an illegal debt and requested that it cease and desist further collection efforts and remove negative information from the 3 credit bureaus. The letter was faxed, mailed and emailed to three people at Hunter Warfield and XXXX XXXX XXXX. The debt was not validated per my attorney 's request. My attorney and I never heard another word from this creditor. It was assumed this matter was disposed of. I recently received a notice from XXXX of this derogatory reporting.

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 2020-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
Tried to restuckshr my mortgage for over three years

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: Avadyne Health Holdings, Inc
State: IA

Complaint narrative:
H & R Collections # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I requested a credit freeze with TransUnion when my social security number was stolen and was being used for fraudulent tax returns. TransUnion claims they have no knowledge of that request. I made the same request with XXXX  and XXXX  in 2008. 
I have registered with TransUnion, but I can never login. I was recently told this was fixed and I did login once, today I can no longer login. I don't know if they just have bad IT or of this is a way of discouraging the public.

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 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

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 2020-03-16 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: IA

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX is reporting a debt to my credit that should not be on there. I never received any kind of notice or 30 day right to dispute regarding this debt. I had no idea it existed until I saw it on credit and then I paid it as soon as I found out about it. This debt is now paid and they are in violation of my 30 day right to dispute.

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 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Called the company on XX/XX/2020 to reduce the interest rate ( 16.99 % ) after the Federal Reserve cut their rate a full basis point to 0 % I was told that the bank was unwilling and unable to reduce the interest rate on the card which left me confused since I have a mortgage and other credit cards with single digit interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I filed against this company a couple weeks ago and everything was resolved. They still contact me late hours and they are still sending me mail asking for payments regarding an account that was paid off. This company was also supposed to send me a refund check and they never have. Please have this company fix there mistakes and have them stop contacting me I am not a card holder of theres anymore.

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 2020-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Friedman, Framme & Thrush, P.A.
State: MD

Complaint narrative:
On XX/XX/XXXX, Friedman , Framme & Thrush , P.A . garnished my wages ( {$550.00} ) stating that I was not compliant with a set payment arrangement. Per conversation with an attorney at the firm, I missed a payment from XX/XX/XXXX. As of current date, I had not received any correspondences from the firm and continued to make all payments timely as agreed in the original settlement. In addition, I provided proof of payment. A writ of garnishment should have never been requested/issued on XX/XX/XXXX. The communication between both the attorney and the legal firm has been subpar suggesting that after contact my employer to reverse the garnishment although my employer was within legal rights to execute the garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-16 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Idaho Housing And Finance Association
State: ID

Complaint narrative:
My loan got sold to homeloanserv. I work in XXXX  so I know it can take a while when that happens for them to report the mortgage to the credit bureau. However I have been making payments since XXXX ( XXXX ) and it is now almost XX/XX/XXXX. My mortgage has not reported to my credit. I have called and emailed and homeloanserv intially did not respond to me. I finally started working with one of their employees who said it would report by XXXX ( XXXX ) at the latest. Keep in mind that is 6 monthly mortgage payments later. XXXX has passed and it is still not reporting. Emailed the representitive again and she said it could take the credit buears two to three months to report. So basically they are telling me my mortgage may not report to my credit until XXXX. That is 10 months worht of payments and no reporting. In my five years of XXXX I have never seen any other company take that long to report. They will not address or fix the issue even though I have contacted them multiple times to do so. It's frustrating where i'm actually making my payments and trying to further build my credit score but I am unable to do so due to the companies lack of reporting standards.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX CBNA/XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX These companies have ran my credit forcefully without my consent and it is bringing me down I was going through a divorce and ask them not to run only to find out that they did anyway against my wishes

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