vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX has filed false charges with the XXXX police department, XXXX XXXX XXXX, of XXXX XXXX failed to route my Cashier checks through the Federal Reserve. XXXX XXXX XXXX has failed to honor my Substitute Check Rights. Included with this filling is a copy of the substitute check the XXXX XXXX XXXX, failed to disclose.

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 2018-04-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: OH

Complaint narrative:
Mercantile Adjustment Bureau reported a collection to my credit, yet when I contacted them to dispute it, they couldn't find any collection under my social security number or past addresses. The fact that this or any collection agency can erroneously report a debt on anyone 's credit without the appropriate information is unethical.

I need this collection to be removed from my credit report immediately. I am currently on the market to purchase a home, and my credit dropped significantly due to this collection. Please help me ensure Mercantile Adjustment Bureau rectifies this matter. I, like many Americans, work very hard to keep my credit and accounts in order. We should not be placed in a situation where our credit and reputation is harmed while debt collectors continue these unfair predatory practices upon consumers such as myself.

Thank you for help and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CRA/HIPAA VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
The case and complaint I have regarding the dealings and legal court battles with US Bank corp are too vast to post here. I have summarized the initial dealings in a letter to US Bank Corp CEO, XXXX XXXX XXXX in XX/XX/XXXX. Since that letter was written, we have endured ( 3 ) Probate suits, and ( 2 ) foreclosure suits. We are currently in the second foreclosure court action, and have spent over {$20000.00} in legal fees, with little end in sight. To have a multi-billion dollar corporation mercilessly spend tens of thousands of dollars all for a $ XXXX home that all along has had people willing and able to assume the debt, they chose to intimidate and harass us unceasingly to the point of having to file a chapter XXXX bankruptcy just to have them talk and negotiate with us. We continued to make our payments as permissable and until into XX/XX/XXXX, when US Bank decided to no longer accept our payments. Additionally, In the last round of " negotiations '' this last year, the offer they made to us was a equivalent to " bullying '' on the playground. They offered us to maintain the $ XXXX/mo payment as well as then paying an additional $ XXXX/mo for their lawyer and other fees from court and payments. How utterly ridiculous and arrogant of them to assume that. They were well aware that $ XXXX/mo was a much larger payment than required, and is also why we were trying to have the loan modified an assumed in the first place. This leaves me with a earlier proposed question, : what does a multi-billiion dollar corporation need with a $ XXXX home? 

All we have ever wanted was to take over the mortgage for our home ( from our deceased step father ) and allow us to keep our home and the bank make a profit from the loan. They have done nothing short of being unethical, unfair, and outright greedy concerning the entire matter. Please read the letter below, and feel free to contact me with further questions. We only wish to keep our home that we love and have worked hard for. 

Please remember that since the letter attached was written, nothing has changed, the Bank is still mercilessly attacking us to take our home! 

PS : I have more than ample amounts of documentation substantiating our statements. 
Thank you, 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 2018-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: TX

Complaint narrative:
In good faith I took part in a promotion offered by US Bank and XXXX check out. The promotion stated that if I spent 50 dollars by XX/XX/XXXX, I would receive a 25 dollar statement credit. I am attaching my order confirmation page that clearly shows I purchased my items within the timeframe required. The items did not post to my credit card account inside the required time frame. I am attaching the promotion offer to show that the offer only states that the purchases be made by XX/XX/XXXX. The offer did not state that they post to the account by the XX/XX/XXXX. I have filed a Reward discrepancy. I sent my order confirmation showing the date ordered. I called back to check the status of my discrepancy, and now Im being told that the promotion can not be applied because I did not use XXXX check out. I have contacted the bank and I have contacted XXXX and I have contacted XXXX check out. None of the organizations can prove to me or give me documentation that I did not use XXXX check out. I believe I did and would like proof that I did not or I would like my {$25.00} promotion 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 monetary relief
Consumer complaint received 2018-04-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX VIOLATION NO KNOWLEDGE INACCURATE ACCOUNTS DUE TO ID THEFT APPEARED ON MY TRANSUNION CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Caliber Home Loans currently holds my mortgage loan. I contacted them a couple times to refinance from FHA to conventional loan ( brand new built home 2015 ). They advised each time to wait another year for home value to increase. The house on the next block, same floor plan, sold for $ XXXX more than the purchase price. I contacted Caliber again requesting to refinance. They could not see the home that recently sold in their system and came back with comps in the area that were much lower than actual. After hearing the same spiel " to wait another year '' once again, I contacted another mortgage company ( within a few weeks time from last contact with Caliber ). Apparently the new mortgage company had more up-to-date data, software - they immediately saw the significant increase in home value and began the process for refinancing. As part of a NECESSITY to determine my current loan amount, the new mortgage company contacted Caliber for a payoff amount. They subsequently made a second request, just prior to closing, as I had made a mortgage payment in between the two requests. Caliber charged to me, personally, a {$5.00} fee for each request. This was noted on my statement as " Fee billed ''. Not know what the fee was at the time, I called to inquire. Turns out it was a FAX fee charged to me for the new mortgage company to obtain the payoff amount from Caliber Home Loans. This is gouging the consumer - especially considering the exorbitant fees associated with mortgage loans.

I have worked in healthcare for nearly 40 years. When a physician requests my medical records from another physician, there are no costs charged to me associated with the copies/request. However, if I request copies of my medical records myself, a fee is charged. The same should hold true for a mortgage company to mortgage company request for payoff information. I did not make the request. That piece of information is required in order to pay off the loan. Why gouge the consumer? Had I requested the payoff information myself, sure, charge me. I made no request for a FAX payoff from Caliber and received no FAX, document or service from them, yet was billed {$10.00} on my next mortgage statement - billed directly to me. This, again, is gouging the consumer.

If this is found to be a legitimate charge based on current laws and practices in the mortgage industry, then this practice needs to be reconsidered. I request a refund from Caliber Home Loans in the amount of {$10.00} for FAX fees, in which I made no such request, nor did I receive any goods or service from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX XXXX has reported incorrect, fraudulent information on my credit report, TWICE. In XX/XX/XXXX, I paid my XXXX XXXX credit card balance in FULL. I then, called and requested that the account be closed. They did as I requested. In XX/XX/XXXX, I filed Chapter XXXX Bankruptcy. XXXX XXXX WAS NOT included in my Chapter XXXX BK. I have my original court documents to validate this fact. Months after my BK was discharged, I reviewed my credit report and discovered that XXXX XXXX reported that they were included in my Chapter XXXX BK, which is FALSE. At the advise of an attorney, XX/XX/XXXX, I mailed XXXX XXXX a letter, disputing the incorrect, damaging information that they added to on my credit report. XXXX XXXX sent me a letter indicating that they would remove the incorrect reporting from my credit file, it was removed. XX/XX/XXXX, I was sent an alert from one of the major credit bureaus informing me that XXXX XXXX reported my account as active and could add information to my credit report that could be POTENTIALLY NEGATIVE. I called XXXX XXXX on XX/XX/XXXX and spoke to XXXX within their accounts dept. XXXX began explaining to me ; that they KNOW my XXXX XXXX account WAS NOT INCLUDED in my Chapter XXXX BK, BUT because they are a small bank, they could report the Chapter XXXX BK to the credit bureaus. I told them that they are committing FRAUD and adding conflicting reporting to my credit report that is DAMAGING and hinders my ability to receive new credit when I apply. I told them, if they do not REMOVE the damaging CONFLICTING FRAUDULENT information from my credit report, I will request that they be held in contempt by the XXXX XXXX Bankruptcy Court AND I will file a complaint against them for committing fraud and possibly trying to defraud their insurance company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-12 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: CO

Complaint narrative:
boy at the rate these repugnant useless companies reply back its laughable NO investigation no work done, they just email the debt collector get a reply back that is always a yes and then close these VALID complaints out within 3 days with a generic copy and paste response from a generic employee that probably worked at a XXXX XXXX last week. 
Yet again another cryptic message from these morons. there is an unauthorized 3rd party means nothing to me so since I have to guess what the XXXX you mean I have every right to include evidence from XXXX XXXX showing the sheer incompetence and stupidity of the company you work for if you werent so cryptic I wouldnt have to grasp at straws and if you werent so in favor of continuing to believe XXXX just because they bought my social Unsecurity number from god knows who, just continues to show how since XX/XX/XXXX you have done zero to fix this matter and remove this FRAUDULENT charge from my report and just continue to take the word of some low rent debt collector. You have my authority to inform whomever the XXXX 3rd party you want. And zero authority to refuse evidence I present in my favor. however you DONT have the authority to forward anything to XXXX it is NOT their job or decision to decide whether this is fraud or not its actually YOUR job. Transunion and XXXX. 
after my social security number was hacked in XX/XX/XXXX I received a debt collection from XXXX in the amount of XXXX.dollars on my credit report but that is DATED from XX/XX/XXXX it is utterly moronic first ; for a debt collector to wait 4 XXXX years to start collecting on something. 2ndly that the only process this repugnant credit reporting agency does as an investigation is contact this debt collector which they ALWAYS say yes and then im stuck with a debt on my credit report forever. this illegal and frivolous way of investigating clearly shows the bias and discrimination transunion/ XXXX   has towards the customer and how well they lay in bed with the debt collector. Furthermore it makes ZERO!!! XXXX sense that after my bankruptcy filing and clearance in XX/XX/XXXX I have gone 9 XXXX years without ANYTHING!!! on my credit report UNTIL AFTER!!! this hack occurred and my social UNsecurity number is out for anyone to get and use. transunion/XXXX DOES NOT take a customers word as evidence or the paperwork provided but they sure as XXXX take a debt collectors based solely on the fact that they give my social security as evidence and they NEVER use common sense or logic when reviewing a credit report. since my bankruptcy I have had perfect credit until my information was hacked.

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 2018-04-12 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: NC

Complaint narrative:
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

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 2018-04-12 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: NC

Complaint narrative:
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from XXXX, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 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: NC

Complaint narrative:
On Friday XX/XX/XXXX I had called XXXX requested a credit limit increase and what are the factors looked on when giving a credit limit increased. Instead of receiving a increase the agent on the line decrease my credit limit, she tried to fix it but she couldnt so she transferred me to her supervisor who advised me that I would hear from a credit speacailist on Monday XX/XX/XXXX or Tuesday XX/XX/XXXXof the following week. I had waited until Thursday XX/XX/XXXX and I havent received a call from the credit specialist nor anyone from CapitalOne, so I called to find out whats going on I was told by another agent that there was no case for my issue and she put me on hold where the called got disconnected. I re-called XXXX once more and ask to speak to a supervisor who advise me that he will start a new case for my account which I was now frustrated because all the misleading Information that I have been receiving I ask for my account to be closed. Now I have checked my credit report and its sating that I have requested a decrease on my account, account is closed and a negative remark from XXXX. I called XXXX today XX/XX/XXXX and the agent is letting me know the reason for my account being report like that to the credit bureaus is because I requested that way. Which just display poor customer service customers who uses there service.

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 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Over the course of 21 years being a single mother, working full time in a XXXX XXXX XXXX in a XXXX XXXX XXXX XXXX my loans have doubled if not tripled I can not get help when I ask about the loans, or was I never told of programs to help me get anything erased, I am still in debt 21 years later and see nothing taken off the amounts just added on, they did enroll me in a repayment plan that is low but where was the help during the 21 years of having these loans.

Poor customer service, rudeness, surprise fees, bad information, call after call about my loans causing me to end up crying over the phone to them. Switching who has my loans repeatedly. Finally I just resolved the issue and stress by letting them ruin my credit for life and tack on so many fees I can not even tell where I am at or who has my loans anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My home was foreclosed XX/XX/2017 and subsequently sold at auction. I received a XXXX stating the balance of principle outstanding as XXXX and the fair market value as XXXX I also received a XXXX stating fair market value as XXXX and the amount of debt discharged as XXXX. I contacted the mortgage company and questioned the reason for both a XXXX and a XXXX being sent and asked for an itemization of the XXXX. I received a letter telling me to disregard the XXXX and an email with an attachment of the supposed itemization of the discharged debt. The itemization is convoluted and neither the positive column of amounts or the negative column or the difference thereof corresponds with any of the amounts in question or makes any sense. I am questioning the amount of debt being discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Well i have over 26 Hard Inquirys and some of them are doubled or trippled.

now some of them I did not give permission to do a hard inquirys, I would like them taken off my Credit Report, I just did not know how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XX/XX/XXXX I opened a Private Student Loan with Wells Fargo Bank for the amount of {$7500.00}. My father paid off the {$7500.00} on XX/XX/XXXX however a month after we received a bill for {$5900.00} for interest charged for the loan that was already paid. I was still in my grace period, so there should not have been any interest running on the loan.

We contacted the Wells Fargo costumer service for this student loan in person and by phone several times with no results about this interest charge.

As of this moment my father has been paying those interest monthly that include interest of the balance plus interest.

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