vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
After my experience banking with US Bank, I can say that I do not trust them to service my mortgage loans. Their systems, processes and management style are extremely inefficient and incompetency is a severe problem with even the smallest of requests. I would not and will not be recommending them. Sadly, the issue isn't with customer service ( they've been extremely helpful ) it is with US Bank 's nonsensical and inefficient procedures and company organization. 

Here is my story : On XX/XX/2019, I sent a request to US Bank to send me my credit from DC 's Tax and Revenue office. I called them to confirm receipt of my request and was told that it had been received and a research request had been opened. I would receive my refund by XX/XX/XXXX. I called US Bank several times from XXXX to XX/XX/XXXX to check in and was reassured that they had all the information that they needed from me and that they were working on getting my refund. No worries. 

I called on XX/XX/XXXX and was told that there were NO updates to the research. Their Tax Team reassured me that they had made a request and that someone would get the request fulfilled. However, when I spoke to the Adjustment Team at DC 's Tax Office NO ONE from US Bank had sent a request for a refund. When I questioned the rep from the Escalation team about this, they weren't able to explain. The rep called DC 's Tax Office herself and was given instruction on how to file a request for credit with their office. They simply need to send a request in writing via email. Over four months and US Bank was NOW doing the supposed research to figure out the process for requesting a refund - it wasn't even someone on their research team. What was even more frustrating was that the Escalation rep couldn't do anything with the information she received other than put a note on my request for this so called " research team ''. This is a waste of time for myself, the Rep and this research team. The rep should have been able to send this request herself or send me to someone who could get this handled IMMEDIATELY. 

So now its over four months and I'm still waiting on them to send this email. There isn't even a process for resolving and expediting an outstanding issue like mine where it's clear that they were in the wrong. I've had to reach out to several Audit Managers via XXXX because there are no accessible contact information other than the generic customer service email. 

No one has called to apologize and/or help me. I am regretful having to use them as my mortgage company. I would not recommend them and highly suggest going for a bank that cares about thoughtful management and processes and most importantly about immediate 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 non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Well i want to know why i cant open an account with XXXX  and bank of america anymore? How can i resolve the issue

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 2019-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
My XXXX fell behind in XXXX and the service was suspended. They called me telling me that they would cancel all my remaining back charges if I paid a portion of my bill. I specifically said I do not want the TV reinstated, I just wanted to settle the debt. I paid it and they canceled the balance and reinstated the TV service. So I called again and they told me they had no record of the agreement we had and I would have to cancel again and pay for the month. Extremely irritated with the lying, and wanting to be done with this company I just paid my balance to XXXX and told them to send me a box to ship the equipment back to them. In XXXX I had not received the box yet so I called them to see why it had not come, the following week I received a new bill for {$52.00}. I contacted them to see what the charges were and they had no answer. There is no description on the bill. My account has been closed so I can no longer see my older bills. I have called multiple times and spent many hours on hold waiting to have them send me my bills or give me a detailed explanation of what the charges are for. They have said they would send the old bills twice now and have not. They have sent the charges to collections and will not provide the reasoning for the charges. I have no choice but to assume they are fraudulent as they will not provide an explanation and I have a documented XXXX  balance. I do not want to just pay it as they have now lied 3 times about charges and this shows no sign of stopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: VA

Complaint narrative:
I'm soon to be in the market to purchase a home. With that being said I started by checking my credit report to know my score number. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
I have been with Ditech as a mortgage service company for many years. Every month i pay my bills on time through my bank 's bill pay service. Beginning in XXXX Ditech stopped applying the payments to my account and began a constant harassment via mail and phone towards me for non payment on the account. I have gotten my banks bill pay department to supply all proof that the money was paid to Ditech for both XXXX and XXXX XXXX payment. I have called and talked to them at least 12 times in the last month and they always reply that they are researching to call back in 3 days. It has been 2 months now. This week i told them to either resolve the payment application to my account this week or i would initiate legal action against them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
Hello I was advised to reach out to you guys from this attorney guy on the board at the building. I went to try and help my dad get a car and I was not approved. I thought maybe the people at the dealership was stringing me along so I went and got the free credit report thing. There are things on my credit that is not mine Chapter XXXX Bankruptcy, XXXX/XXXX'.XXXX XXXX XXXX XXXX XXXX , XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX  XXXX XXXX  XXXX XXXX. US DEP ED. XXXX XXXX. XXXX.XXXX XXXX XXXX, XXXX. Please remove these items from my credit. I called the police too and got a FTC contact

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MD

Complaint narrative:
My mortgage has been paid down and the current loan-to-value ratio is below 78 %. I have contacted US Bank twice about cancelling primary mortgage insurance ( PMI ) for my conventional home loan. The first call was on XX/XX/XXXX and I was told I would be mailed information about the steps I would have to take. During this call, I was informed that if I did not take action, PMI payments would continue until XX/XX/XXXX, as this was the date I would have reached 78 % LTV, without making extra payments. I never received the information and I called US Bank again on XX/XX/XXXX to request the information be sent again. I was told I would receive the information within five business days, however I have not yet received it. I have made extra mortgage payments to reach 78 % LTV because it was my understanding that my PMI payments would end at that point. US Bank is making it impossible for me to end the payments. This is unacceptable.

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 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX CMRE FINANCIAL SERVICES Reported : XXXX XXXX, XXXX {$380.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CMRE FINANCIAL SERVICES  Reported : XXXX XXXX, XXXX {$380.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection  proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I signed up with a {$100.00} bonus for opening my account with M & T and doing 15 transactions with my debit card. According to correspondence from XXXX from customer service, sent to my online banking secure messaging on XX/XX/XXXX, " if 15 or more qualifying purchases are made with your M & T Debit Card by XX/XX/2919, a {$100.00} Cash Bonus will be credited to the account by XX/XX/2019. '' If these are the terms of the promotion, my account is eligible for a {$100.00} cash bonus. Further in the email. it says that no purchases have posted to my account. I have made over 15 transactions on the account, and they were all made prior to XX/XX/2919.

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 2019-10-01 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: MO

Complaint narrative:
Equifax and XXXX are incorrectly reporting me as an Authorized User on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In  general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this  title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$760.00} PHOENIX FINANCIAL SE Reported : XXXX XXXX, XXXX {$38.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
Its not a dollar amount I looked on my XXXX XXXX report and I believe someone either tried to or have opened an account in my name because pentagon federal credit union is on my report and I never did that.

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 2019-10-01 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: MO

Complaint narrative:
XXXX and Transunion are incorrectly reporting me as an Authorized User on the XXXX  XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX. I have contacted the bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item needs to be removed from my credit 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 2019-10-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: OH

Complaint narrative:
MEDICREDIT, INC # XXXXXXXThis is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OFCLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. 
Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX  and XXXX XXXX prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following account MEDICREDIT, INC # 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 2019-10-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
We where given 2 financial deferments in a course of one year we called in asking for assistants and was given a deferment for XXXX and XX/XX/2019 these payments where to be put on the back end of the loan went to the bank in XXXX TX to make a payment after the deferment and was told that the account was behind by 2 months and we would have to call into the collections department XXXX when calling the number you are on hold for 45 min to and to an hour to speak with some one there phone drops or a busy signal  recording this is against FCC rules and regulations, I should have a number that is properly working to be able to speak to some one about my loan. After 29 calls I spoke to a representative in collecting department of BBVD COMPASS I was then  granted another deferment for XXXX and XX/XX/2019 because the representative she had discovered that the XXXX payment had been paid and that there was extra funds on the account because it was over paid from a previous month. So now there are 2 signed deferments all along we are not paying because due to the deferments. The following month we attempted to make a payment at the BBVA Compass in XXXX TX and was told we where more than 3 months in the rear and owed over {$1800.00} plus fees and that the deferments was not honored, we never received a call or letter we kept trying to make payment at the bank the {$1800.00} then told they can not accept the payment need to call Collections department so we XXXX XXXX over {$1600.00} they put it on hold department then was told to send in another {$260.00} sent in {$600.00} XXXX XXXX they put that on hold no money was applied to this account Called the bank again and was told owed {$2400.00} and the last and final attempt was to have it refinanced so the new company called but BBVA Compass and they charged off loan XXXX we made over 79 attempts to resolve this issue We made a call to the corporate office and spoke to some with Mr XXXX he advised the loan was under review and ask how much did we have to get the XXXX Truck back a little confused we still have our truck So we decided to file several complaints an seek an attorney we have place this information on social media looking for other to start a class action lawsuit my credit have been ruined by BBVD Compass sense XX/XX/2019 and now the loan is charged off according to our records we had a 3 month deferment plus the payments we paid and the money they held

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-01 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:
This literally my 4th attempt to have them fix this problem.

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