vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have a checking account in which I post all my payments. I usually have problems but I can solve them through the branch because Customer Service is literally awful. 
This time in particular I was trying to set a payment in one of my credit cards that the online banking did not take. I did several attempt in order to pay earlier my balance and then don't get charge with interests. I couldn't do it in both of my checking accounts. 
Finally the website let me do it on XX/XX/XXXX that it was the due date. That day the Credit Card wasn't payed because I had the money in my account. On XX/XX/XXXX, I check the bank as I usually do every day, and I see that the bank issue a check to pay the credit card. When I received the statement of my credit card, I was charged with late fee and the interests.

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 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX  or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX on XX/XX/19 pulled credit without my permission in which I did not give them. When calling XXXX they say they did not run hard credit but it shows on my credit reports. I want to see the document to where I agreed to run credit by XXXX XXXX XXXX.I don't want no excuse from XXXX or XXXX the blame game. I want proof or removed from my credit file on Regular Inquiries

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 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: FL

Complaint narrative:
We have a loan with LoanPal for our new solar system on our house. We are making our regular payments on the XXXX of the month. We made a principal only payment on the XXXX of the month and were told they charged us {$16.00} in interest for the five days  between payments. This company refuses to let us make principal only payments. I have never been late with any payment since it is set up for autopay through my checking account. Also their monthly statements do not reflect the amount applied to principal and interest. They are not breaking these amounts out so I can see them. This should be shown on the statement. We called and asked how to make principal payments and were told we could not make them. I was also told that I had to call each month to get the amount of principal and interest paid.

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 2019-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CO

Complaint narrative:
In XXXX of this year ( 2019 ) we applied for a personal loan for {$6000.00} through OneMain Financial in XXXX Colorado. They sent a pre-approval email to my husband and I and then stated that I didn't qualify for the loan. I have yet to receive an adverse action for the attempted loan. They then stated that they had to get the title for the vehicle that was used as collateral for the loan so they could sign the title off to my husband and remove me from the loan. The title took a long time to get in and didn't receive the title till XX/XX/XXXX. We went in, signed the title over to my husband and waited for another answer. They told us that the loan had to be sent to the corporate office for the finishing documents and that it would be ready on XX/XX/XXXX. We never received a call and continued to call and inquire about the loan. Each day we called, we were told that the loan officer and the supervisor were busy and would call us back. When they did call us back ( after a few days each week of pestering them for an answer ), we were told that we were waiting for the corporate office. We finally got a hold of them, again, on XX/XX/XXXX and they told us that my husband did not qualify for the loan. When asked why, they told him that they could not give him that answer and he would get an adverse action in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I received a call on XXXX from a Bank of America associate, he did not indicate he was calling on a recorded line or provide an ID # or someway to verify he was in fact from the bank. He immediately threatened that failure to answer his questions will lead to immediate closure of my accounts. I assumed it was a scam as he did not properly identify himself and he called from a personal cell phone. My accounts have now been closed by the bank. 

I used to work for the bank and I know for a fact that you must always disclose some appropriate identification when you call a customer because failure to do so is deemed a risk to the bank and customer. How is Bank of America able to get away with treating customers this way? Its just unfair. 

I understand the bank can close an account at anytime, i get that. But my problem with all the scams going on, there was no way to identify he was calling from the bank. I have received calls from the back before and they always identify themselves properly for security reasons. This person did not.

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 2019-11-07 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:
On XX/XX/XXXX, a letter was sent to Experian regarding 4 collections on my credit report that I was not familiar with, asking Experian to investigate the accounts and provide proof that these accounts are legit and belong to me. The accounts in question are XXXX XXXX XXXX, Acct # XXXX, for {$500.00} and XXXX XXXX XXXX, Acct # XXXX, for {$410.00} and another for {$650.00} ( the fourth was removed ). Experian sent me a letter stating that the accounts were " verified '' for the {$500.00} XXXX XXXX XXXX XXXX and {$410.00} ( XXXX XXXX XXXX ) but removed the {$650.00} ( XXXX ). How can you verify one account and not the other?? And on the " verified ' accounts, they failed to provide me any proof these accounts were mine. I sent a second letter regarding the same matter ( XXXX and XXXX ) on XX/XX/XXXX and Experian sent me a letter stating once again that the accounts were " verified '' but again failed to provide any documentation that these accounts were mine. The letters sent cleary ask for such information, but these request are ignored. Yesterday, XX/XX/XXXX, I noticed that XXXX XXXX XXXX suddenly decided to report the accounts stated above ( the {$410.00} and {$650.00} no account number provided ) to my XXXX credit report. These had never been reported to my XXXX Credit report. Mind you, these accounts also date back to XXXX of XXXX. I see this act as retaliation from XXXX for disputing this incorrect info. I am concerned and disturbed on how they acted regarding this dispute. I have also contacted a law firm regarding the issues with XXXX which I was advised to hold on taking any action until CFPB has conducted their investigation into the matter.

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 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I made a payment incorrectly for a program that was dissolved. The payment of {$3900.00} was made in error and for the wrong amount. I immediately contact the merchant XXXX XXXX XXXX XXXX ) and tried to have the payment returned to the payment source, which they denied. Then contacted my bank ( Usaa ) which said that I couldn't " stop payment '' on the charge since it wasn't posted. I then went through the dispute process with them and provided all required documents and today on XX/XX/XXXX they denied and closed my dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-07 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 — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
For a while now, since XX/XX/2016, I haven't had a updated credit report. I'm XXXX years old trying to make a life for myself and can't do that because of the outdated 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 2019-11-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I was in the process of refi, and my rep with cailber home loans and i filled all paperwork out and was approved. My rep informed me to not send my monthly payment in, as with the new closing we would have a few months till we needed to pay. We never missed a payment til this happened but my rep either quit or got fired, and a new rep texted me a few weeks later saying the refi was in default as my previous rep didnt complete his end. He said i need to pay that last month as again it didnt fully go through. This now made my payment seem late even though the rep informed me not to pay it. I was now expected to make two morgage payments on the same week, which i informed them i couldnt pay XXXX in one week as we also had a death in the family. I then recieve a letter that we were denied bc my credit was hit with a late payment and it knocked my credit by 52pts. I fully caught up and paid all to get current. But my credit was hit due to bad advise from a company/rep we trusted. Its our first house and we are unaware of how this all works its making us second guess our decision to buy the house and work with a company that hasnt even stated they were sorry for what happened. They said i can wait til my credit comes back up, which will take a long time ... .i would appreicate if i can get my credit back to what is was so we can just refi with another company. We have never felt so left, and no solution. Im hoping this site can help us with this odd situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Issues with Midland Credit Management : 1. They call when told not to during work hours - repeatedly. 

2. Call several times a day and every day. 

Wife 's phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX My phone : XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 XXXX Total for 4 days : 24 phone calls 3. They left intimidating / harassing voicemail. Attached the voicemail to this complaint. 

4. Sometimes when they call, they call with their phone number blocked - verified in person. 

5. They lied about my wife 's financial situation - they told me that she only had this one bill that was in collections, that I should help her out when it reality she already had one in collection, this is her second one, that they had looked at her credit report. 

Midland Credit Management called on XXXX XX/XX/2019 on my XXXX year old daughter 's phone line with their number blocked. So I gave them my number and told them not to call my daughter 's line since she is a minor under the age of 13. 

On XXXX XX/XX/2019 spoke for 23 minutes to first a woman, then a guy, the guy wanted me to assume my wife 's debt, I told them that it was my wife 's debt, and that I wasn't going to assume her debt but that I would check into it and not to call back, that I would contact them once I found out what is going on ( I wasn't aware of this situation with my wife ). He got really pushy in general, and said that they might sue my wife, etc and I told him again not to contact me or my wife any more and he said that I couldn't tell him not to contact my wife, and that that he could contact my wife - yet my wife 's phone is on my phone plan so it technically it is my phone line since she doesn't have her own. 

They have been calling my wife as work, she told them the first time on XXXX XX/XX/2019 that she couldn't take calls at work, and they called her again ( with the number blocked ) on XXXX XX/XX/2019 and she answered it, and told them again that her place of employment does not allow personal phone calls during work hours. Again today they called my wife at work with their number not blocked and she didn't answer it. Midland Credit Management has been harassing my wife at her place of business when they know she can't be on the phone during her work hours. 

Midland Credit Management also has been calling my phone number, up to 4 times a day even though it isn't my debt, but my wife 's debt. Also they left a voicemail with basically a heavy breath which is harassment ( I still have that on my voicemail ). They have called me 12 times in the last 4 days. 

Midland Credit Management has not provided any correspondence via USPS mail validating the debt, the first contact with them was the phone call on XXXX XX/XX/2019.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: DriveTime
State: MI

Complaint narrative:
In XXXX I went to a Drivetime dealership and signed a loan for a XXXX XXXX. At the time of the loan I was struggling to make the payments on my XXXX XXXX. The saleperson was fully aware I was struggling, they talked in to a payment on the XXXX that was more expensive that the XXXX. I could not afford both loans. They continued to talk me into the deal and advise me I should give the XXXX back to the bank. I was persopnally in a distraught situation by being behind on the XXXX. Furthermore they talked me into warranties that when it came tio use them because the vehicle needed repairs, they denied me and I had to fight with them to get them to honor the repairs. I ended up falling behind with them, and eventually, because the payment was too high, I ended up giving the vehicle back to them. 2 years go by and then they sold the account to a collection agency. Due to the predator lending tatics, knowing I was stressed out about being behind which they knew about at the time of the loan, and giving me a higher payment on a vehicle that was 8 years old at the time, and advising I should let the other car go, they should buy the debt back from the collection company, close gthe account and never sell the debt again

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 2019-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is against XXXX, Equifax and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. 
For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. 
These credit bureau have inaccurately reported accounts that are closed as being opened, and time barred debts falsing being listed as payments being made or received when no payment was ever sent. I've requested supporting documentation regarding their investigations these request have been unsuccessful. There has been problems obtaining my credit score and report from Equifax do to the inaccurate information the security questions they ask do not pertain to my credit history and I was informed by them that they do not have a credit report listed for my social security number, they intentionally give false information when I contact them. 
I'm XXXX years old my credit report should reflect 34 years of credit history, instead shows only the previous 10 years. Missing is 34 years of exceptionally payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
On XX/XX/2019, A representative from a company called XXXX called my downstairs neighbor whom I barely know, since I just moved here in XXXX of this year to ask if she knew me. Navient has ALL of my correct contact information and I believe they are using this company as a way to try and embarrass and harass me into setting up a payment. This is intimidation and harassment. They know where I live and have all of my phone numbers. You're hiding behind XXXX as a way to harass and intimate people. To make matters worst my neighbor is XXXX years old, on an XXXX XXXX 24/7 and XXXX XXXX XXXX up steps, but because she was concerned that it might have been something important she walked up to the 2nd floor to tell me about a call she received from me. This is ridiculous and has to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am trying to settle with my creditors instead of filing for bankruptcy. However, I am currently getting letters from collection agencies that claim they have purchased my debts. It is my understanding that if a debt was acquired I am entitled to obtain a letter of purchase from the debt buyer and a letter of sale from the original creditor. However, I must also obtain the transfer papers in true copy form to validate the sale of debt. Even though third-party ownership voids my rights under the Fair Debt Collection Practices Act since the Henson v. Santander Consumer Financial USA decision from the U.S. Supreme Court XX/XX/2017, I believe that until true valuation is proved that my request are reasonable. In addition, on all debts still not transferred by a debt buyer, I am interested in a reasonable settlement offer to see if my overall financial situation can avoid a chapter XXXX bankruptcy filing. Accordingly, I request an open dialogue to resolve all credit issues without a federal court dismissing my obligations. I request a reasonable settlement on all debts within 10-business days. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK, N.A. - 520 GERVAIS STREET BRANCH
State: TN

Complaint narrative:
My mother created a trust, at the suggestion of an attorney, and moved her life savings into a trust ( checking ) account with South State Bank. My mother recently passed away, leaving my brother and I as successor co-trustees. The bank refuses to allow my brother and I to access the account in any way, even though it is spelled out clearly in the trust certificate ( which the bank received when the account was opened ) that we are supposed to have access to the account after my mother passed away. The account is frozen, and we are unable to pay the utility bills, property taxes, etc. on my mothers house. The bank has refused for over a month to allow us access to the account, even though we are fully authorized to access the account. It seems to me this would be illegal.

Company response to consumer: Closed with explanation