vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: IA

Complaint narrative:
US Bank employee in XXXX, Iowa giving out account information to unauthorized people. Violating my privacy and many others. At minimum unprofessional but also illegal and further action my be neccessary.

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 2019-08-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Armed Forces Loans of Nevada Inc.
State: CT

Complaint narrative:
This Company ArmedForcesLoans is practicing unlawful practices that includes …1) Collecting  interest, fees or additional charges on top of the amount owed that is not authorized by the agreement when creating the debt.2) Returning to sender Mail sent on my behalf by credit services Lawyers.3. Refusing to answer disputes so I cant open another4, Refuse to accept my XXXX XXXX XXXX XXXX status that would forgive my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I retired from XXXX in XX/XX/XXXX and took my life's savings andon XX/XX/XXXX, I purchased a rental property from Countrywide.  My monthly payments were $XXXX. which allowed me to make a profit by renting the house out. Then, in XX/XX/XXXX, Bank of America took over Countrywide.  They immediately added over two hundred dollars to my monthly payment which caused me to suffer financially but I still struggled and continued to pay them as agreed.  Not only did they increase my monthly payment but they increased the principal balance by nearly ten thousand dollars additional to what I agreed to pay Countrywide.  When I heard of the :'Loan Mods', I inquired to them about possibly getting one for my situation.  Especially since they just abruptly increased my monthly payment and I now lived on a fixed income.  Surprisingly, they said yes and to not pay them until they figured out the new monthly payment.  Approximately two months passed by and on XX/XX/XXXX, they illegally foreclosed on my property without my knowledge of it.  I try'd calling them when I hadn't heard from them after the first two weeks and all the BoA contacts that I had numbers for were no longer at the extensions that they gave me. I have statements and proof that I payed them faithfully up until XX/XX/XXXX, because that is what they instructed me to do!!!  I was not even told that they had set me up for foreclosure.  I went to my property only to find that the locks were changed and there was a foreclosure sign on the door..  All my appliances, which I purchased brand new, new air conditioning unit, furniture and complete rehab, - ALL GONE!!!!  Since then I have suffered many. many mental illness episodes.  I am currently being treated for XXXX.  I have been hospitalized several times and I am finally getting myself together  in hopes that maybe someone cares to right all of the wrong thatBank of America has done to me.  I have lots of documented proof!

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 2019-08-19 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: MD

Complaint narrative:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX   Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXXt  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: MD

Complaint narrative:
The following accounts need attention:XXXX XXXX XXXX Amount $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX $XXXX  Date Opened - 09/07/2015, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX  $XXXX Date Opened - XX/XX/XXXX,XXXX XXXX XXXX  $XXXX Date Opened - XX/XX/XXXX, XXXX XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, XXXX XXXX  $XXXX  Date Opened - XX/XX/XXXX, Chapter XXXX  Bankruptcy REMOVE - Date XX/XX/XXXXThese accounts do not belong to me.  I have contacted all 3 credit bureaus and they have not removed the items listed above from my credit reports. They must be removed IMMEDIATELY. I asked the credit bureaus to furnish proof , provide signatures on any of these loans and they have not.  I will file a law suit of they do not remove these items IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I downloaded the certified letter that I sent to XXXX XXXXt which explains in detail what I'm disputing. Briefly, I bought ~$40  worth of items from XXXX XXXX  inXX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XXXX and XXXX, XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXXafter the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

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 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~$40 worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX   card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX andXX/XX/XXXXstatements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I downloaded the certified letter that I sent to XXXX XXXX which explains in detail what I'm disputing. Briefly, I bought ~XXXX worth of items from XXXX XXXX in XX/XX/XXXX and used my XXXX card ending in XXXX to pay for it.  They sent me statements by email instead of snail mail (which has ALWAYS been my preferred delivery choice and have NEVER changed it) so I missed the XX/XX/XXXX and XX/XX/XXXX statements, which I was expecting by mail.  I rarely check email which is why I ALWAYS have bills sent by mail. I only found out about it because I got a red flag email from XXXX XXXX that I had a 30 days late note on my credit report from this card.  I called XXXX customer service immediately to pay the bill and the rep even reversed one of the late fees for me but did say that I had to call the credit reporting agencies to dispute the mistake.  This was deleted, then reinserted by XXXX, then deleted again in XX/XX/XXXX after the first of my 3 disputes, then reinserted again by XXXX.  I sent a certified letter to XXXX  explaining the above in detail but all I got in return was yet another robotic response that the "information was correct and they weren't going to change it"...This has deflated my otherwise good credit score to the extent that I'm unable to refinance my house which has enough equity in it to pay off my credit card and home equity loan debts.  I've called XXXX XXXX, XXXX, all three of the credit reporting agencies and CFPB to see how I can get this fixed but to no avail.  I'm almost to the point of having to sell my house in order to settle my debts because I can't get a "real person" at XXXX  to listen to my side of the issue.  I CAN'T PAY A BILL THAT I DON'T KNOW ABOUT!!

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 2019-08-19 00:00:00
Product: Vehicle loan or lease — Title loan
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I got an auto loan with Santander Consumer USA in XX/XX/XXXX. I set up auto payments before I left off to XXXX XXXX that XX/XX/XXXX. There was a mishap and I missed some payments and they charged my account off but never had possession of the vehicle , I finally figured out what was going on and caught my payment sup to date. Fast forward to XX/XX/XXXX when I'm still making monthly payments on a CHARGED off account. I decided to go XXXX XXXX and sent in my contract to Santander Consumer USA.  I was told about SCRA benefits and called and the benefits took affect almost immediately dropping my interest rate to 6% and they stopped reporting to the credit bureaus, which they did. I was monitoring my credit and seen that they removed the reporting so I called and double checked and made sure everything was okay. The representative then told me to sign a waiver so they could start reporting back , at this time in in XXXX so they were to take our phones and I will not have any access to keep communications with them. They waiver was sent to my home back in XXXX XXXX while I was in XXXX XXXX, XXXX. So there is no way I could have signed the waiver they sent out and I clearly have military orders stating I would be in XXXX  at that time and had no access to that waiver. I called and constantly begged for them to do the right thing and delete the account from the credit reporting but they will not. Its getting to the point where I would want to take this legal but I do not have the funds or time , that being I am constantly training and away from home due to being XXXX XXXX military. My father whom has XXXX , thought it was his mail he received. can clearly see the dates I was not at that location and I tried an call to explain the case but they ere not listening . any human being with common sense could see those dates are not matching up. I even tired once I got XXXX for operation faithful patriot and they still did nothing about it , by obeying their policies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-19 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2019-08-19 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: UT

Complaint narrative:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft.  The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.  Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: NY

Complaint narrative:
bank of america states i had a account with them when i never had a account with bank of america. After reviewing my XXXX report it shows a checking account with them was closed due to fraud and the amount that is shown is $XXXX. i tried to resolve the problem but i was told i was responsible because i opened the account when i never even bothered to use bank of america. please help to have this problem removed from my XXXX report and bank of americas records.

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 2019-08-19 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 — Investigation took more than 30 days
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
I have purchased a new vehicle year XXXX  with Toyota,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with Toyota financial.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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: CITIBANK, N.A.
State: IL

Complaint narrative:
XXXX Credit Report showed on my records that I have 30 days past due with Macy’s store in XX/XX/2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XX/XX/XXXX  . But it says on my records  30 day past due in XX/XX/XXXX. And it brang down 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 2019-08-19 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have purchased a new vehicle year XXXX  with XXXX,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with XXXX XXXX.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.

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 2019-08-19 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: IL

Complaint narrative:
TransUnion Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down 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 explanation
Consumer complaint received 2019-08-19 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: IL

Complaint narrative:
XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19 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:
XXXX  Credit Report showed on my records that I have 30 days past due with XXXX  store in XXXX  2018. I opened dispute. They completed it and it still shows 30 days. I made payment in XXXX  XXXX   . But it says on my records  30 day past due in XXXX. And it brang down 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