vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have opened a Home equity line with US Bank on XX/XX/XXXX, Account number XXXX with approve credit line of {$150000.00}. 
From that date, I never use this Account. I moved to Texas in XXXX, and close checking, saving Account with US bank but not Home equity line. I have note them my new address at Texas, and they have send me the Premier line XXXX date XX/XX/XXXX. From that date, I did not receive any information, statement from them. 
Up now, when I check from credit report, I know that there are a balance of {$63000.00} from my Equity line account. I call them and they said that is annually fee charge of {$90.00} and that charged is for 9 years. I complain why they did not send us any statement or XXXX to report this charge, they said that may be I did not update the new address!? As above mention, I have receive their Premier line XXXX card on XXXX, and my daughter live there in the house at California ( House that I apply for this equity line ) she did not receive any paper from US Bank. The manager told me that the fee charged is not refundable. 
I really feel bad about this and want to ask for help.

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 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MN

Complaint narrative:
Our previous mortgage loan was with Mr Cooper. We got a letter in XXXX stating they sold our loan to XXXX XXXX. We usually made payment to XXXX XXXX who would pay Mr. Cooper. Mr Cooper received that payment onXX/XX/XXXX and they claim it was Wire Transferred as a bulk payment to XXXX XXXX but do n't have any electronic record to show. XXXX XXXX continues to tell us they have n't received the payment. We have spend numerous hours trying to get this resolved but not able to get anywhere. A I can provide proof that money was transferred from our XXXX XXXX account XXXX XXXX and from XXXX XXXX to Mr. Cooper. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
My name XXXX XXXX and i am a resident of Missouri. I opened a BMO HARRIS smart advantage checking account online back in XX/XX/XXXXAnd at the time they had a promotional bonus of XXXX $ offered on the account after meeting the qualifying Direct deposit requirements and it was open to the residents of Missouri. Their system automatically appliedthe promocode as they had mentioned in their promotion. 

I met the 2, 300+ DD requirements in XX/XX/XXXX 
Last month in XX/XX/XXXX i called their customer serivce to inquire about my bonus since its been more than 3 months since DD. 

They confirmed that i had met the DD requirements and that i should receive my XXXX $ bonus by XX/XX/XXXXthe latest. 

Its XX/XX/XXXXand still i havent received the advertised bonus. Upon researching online i further discovered that they are doing this to almost all customers and mnay are having to officially file a complaint to get them to honor their promise. 

I have attached with this complaint my checking account statement from XX/XX/XXXX showing my DDs and My screen shots of BMO HARRIS promotional offer including the promocode used. 

I hope CFPB looks into this and helps me 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 2018-01-25 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: CITIBANK, N.A.

Complaint narrative:
citi bank customer service supervisor XXXX very rude to me. I asked for she honor her promised me to match the offer XXXX bonus mileage back after XXXX spending on my Citi Busniess AAdvatange credit card. but she denied it to me.

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 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Thank you, I have been trying to get my credit report fixed with incorrect information for 6 months now. I 've received a letter from XXXX XXXX on XX/XX/XXXX stating that they made an error in reporting our mortgage account was delinquent. The loan was converted during the HAMP in XXXX and was not suppose to be delinquent. I have contacted XXXX XXXX multiple times in which they contacted the credit bureaus to fix these errors. Since Transunion did n't update my information correctly, I opened a dispute. My credit report is still wrong. It says my payment is 120 days late. Problems are listed below : - Account is closed - So no payment is due - Loan was rolled over to HAMP - Old loan is closed so no payment due - Received 2 letters from the bank to fix these mistakes. 

I contacted Transunion onXX/XX/XXXX. I told him how can the account be " 120 late ''? A paid in full account is late? A closed account is late? This is clearly referenced in the account credit report information ( closed & new loan ) but they will not update. I 'm paying a new mortgage, again this is clearly documented in my credit report. All of these issues have ruined our credit for the last 2 years. This is the only thing delinquent, so each should be easy to find and fix. Also, I have a membership through Transunion. So I am getting charged to monitor their mistakes? 

I 'm attaching my supporting documentation. Please assist.

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 2018-01-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: SUNTRUST BANKS, INC.
State: VA

Complaint narrative:
Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.

The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited. 

The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.

As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.

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 2018-01-25 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
On XX/XX/XXXX, I visited XXXX XXXX XXXX to be added to my aunt 's checking account as an authorized user. I was told there was an account from XXXX XXXX XXXX that does not belong to me, instead belongs to my mother. My mother, XXXX XXXX, filed for bankruptcy Case # XXXX on XX/XX/XXXX and debt was discharged in XX/XX/XXXX. However for some reason, this is showing on my chexsystems report. This is not my account and I was a minor..

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 2018-01-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX XXXX Account Number : XXXX The account was disputed before because of an extra fee assessed of {$2.00} after the account had been paid in full AUTOMATICALLY ; XXXX was not aware of the {$2.00} fee because the account was setup as AUTOPAY, yet according to the customer service department that fee could NOT be collected by the automatic pay system, because you had to come to the store in person to pay.. I was not informed of this procedure until I called to dispute the negative information. They said they could NOT clear the credit bureau rating although I battled that the account was on autopay they had the capability & authorization to collect payment, therefore how were they going to classify it as " late payment '' ..Again this account is still on AUTOPAY. I explained that this account has never been late ( please see attachment ) until this {$2.00} issue. Now my biggest concern is that my employment is credit score sensitive and due to this issue my position is in jeopardy. Now I understand if these late payments were because I owed and failed to pay but this is not the case and for XXXX XXXX to deliberately harm my credit report / credit scores, it just plain unfair. When I spoke to customer service they said that they were reporting correctly and that they were not going to remove the late payments. 

PS..THIS PREVIOUS ISSUE OF THE {$2.00} FEE, JUST HAPPENED AGAIN, I NOTICED IT 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 2018-01-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, FL. I went to XXXX XXXX XXXX on XXXX XXXX, XXXX in XXXX, FL to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from Bank of America that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX XXXX, GA ). I filed a police report in XXXX, FL, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, GA, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my Georgia address, the only address I 've ever lived.

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 2018-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
my account was hit by a skimmer and an illegal XXXX $ stolen from my acount this money was set aside for home inspection due to us buying a house td bank was contacted via local branch and started the process of getting my money back card was canceled and new one issued my account was expedited but noting has happend i still dont have my money and now no t able to pay my inspector they are dragging their feet on this the criminal who did this tried to hit my account the same day on 3 other occasions that morning but thank XXXX visa caught it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-25 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: Autovest, L.L.C.
State: FL

Complaint narrative:
I PREVIOUSLY HAD A LOAN WITH XXXX XXXX XXXX FOR A XXXX XXXX. THE CAR WAS REPOSSESSED IN XX/XX/XXXX. I NEVER RECEIVED ANY NOTIFICATION OF THE CAR BEING SOLD ; NOR WERE I ABLE TO RETRIEVE ANY OF MY PERSONAL BELONGNGS THAT WERE IN THE CAR FOR MY XXXX KIDS AND I. I RECENTLY CINTACTED FIRST INVESTORS ; THEY STATED THAT THEY WROTE OFF THE LOAN ON THEIR TAXES AND SOLD THE DEBT TO " AUTO VESTS ''. WHEN I CONTACTED AUTO VEST ON XX/XX/XXXX FOR DOCUMENTATIONS AS OF HOW MUCH THE VEHICLE WAS SOLD FOR. THEY STATED THAT THEY DID N'T HAVE TO DISCLOSE ANYTHING TO ME. TODAY " XX/XX/XXXX'' ; XXXX XXXX XXXX XXXX. CHECKED MY CREDIT ; WHICH I DID NOT AUTHORIZE. I CONTACTED THIS AGENCY TO LEARN THAT IT IS " AUTOVEST ''. I WAS TOLD THAT THEY DO N'T HAVE TO GET MY PERMISSION TO RUN MY CREDIT, AND THAT THEY ARE GOING TO SUE ME. YET, THEY REFUSE TO VERIFY THE DEBT ; I HAVE SENT EMAILS, AND CALLED SEVERAL TIMES TO NO AVAIL. THEY ARE ILLEGALLY RUNNING MY CREDIT INFO, AND FIRST INVESTORS REFUSE TO REMOVE THE DEBT BEING THAT THEY SOLD IT TO THIS COMPANY.

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 2018-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Phoenix Financial Services LLC
State: FL

Complaint narrative:
Looking at my credit report on XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. One for {$37.00}, {$91.00} and {$290.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature that I have or ever had some contractual obligation to pay them. I do n't know this collection agency and have never received any information from them prior to my credit report being threatened with negative remarks. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of 1996 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I contacted XXXX regarding an acoount in my name that was fraud.I was sent an affidavit and I signed.I was told the accout was resolved.Now I have a clooection company contacting me regarding a balance never made and this impact my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: MI

Complaint narrative:
AN ERROR ON MY CREDIT REPORT only had XXXX ( instead of XXXX XXXX XXXX XXXX ) so I disputed it so they could correct it. 

I got the corrected report, which suddenly has THIS tacked on at the bottom of it now. 

" This address may be perceived as a high risk because it has pertained to a business, or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX WA XXXX. 

BOAT REPAIRING : XXXX XXXX XXXX XXXX, XXXX, WA, XXXX " This is NOT true. This is an apartment complex on Federal land for Military, which also takes a few civilians. I lived there from XX/XX/XXXX through XX/XX/XXXX with my son. I am XXXX y/o and XXXX. My son worked as a XXXX XXXX for XXXX XXXX. 

NO ONE at this apartment address! 

I tried to send information and upload a PDF of proof ( TWICE ) but all I got was a notice that there had been " inactivity '' and it signed me off. WRONG. The second time was fully active and took less than two minutes to complete when I selected to upload the PDF. 

While I am at it, for the past two years I have never been able to sign into Equifax and they always wanted you to write to them to get your " Free Credit Report '' and NOW I am affected by the breach and hack on their site.

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 2018-01-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is trying to collect ( 8 ) charges from the XXXX XXXX XXXX XXXX- this was an Auto Accident, it has been paid -- I called them and told them ( there were only 2 charges on my cbr at that moment ) -- they added 6 more -- I have statements from the XXXX XXXX XXXX showing 0 owed, email from the attorney with the negotiations, copy of the check sent to the XXXX XXXX XXXX and their 1st collection agency .. Express Recovery is about the 3rd one All of my bills have been paid in full and should be removed from my cbr

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax has not investigated or responded to the following issues on my credit report at all. The creditors have attempted no contact with me resulting from said investigations. Please see items below ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX XXXX {$4000.00} XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX {$3300.00} XXXX XXXX {$810.00} XXXX XXXX {$830.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I filed a Chapter XXXX Bankruptcy and the Servicer Caliber home Loans was obligated to post approximately {$5500.00} in the suspense/unapplied payments account to my post petition regular payments, plus another {$4500.00} approximately that I sent them during 2016 and they failed to do so. I need them to immediately send me an updated balance and payment sheet as soon as possible with all of this payments posted correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I put a credit freeze on my data at Experian on XX/XX/XXXX by telephone. Subsequently, I was sent three sets of documents, also called reports, by Experian with an identification number. The document advised me to save this identification number because I would need it to validate my identity with Experian should I need to temporarily lift the freeze on the credit report. Each report had the same identification number. The number contained 6 leading XXXX followed by 9 other digits. 

On XX/XX/XXXX and again on XX/XX/XXXX, I attempted numerous times to temporarily lift the credit freeze on my credit data. I was unsuccessful and encountered the following problems. 

The use of leading XXXX defeats the purpose of a unique ID number since the online form accepts any number of digits up to a maximum of 10 and there is no way to know how many to enter or whether on should enter any at all. 

Regardless of the number of leading XXXX, since I tried all possible combinations which the form would accept, including NO XXXX, the online form to temporarily lift the freeze would not accept this number. In each case I included the other 9 digits. 

I also tried the number I was given when initially creating the freeze over the phone but which had not worked during a previous temporary suspension of the freeze. This number was different from the one sent by mail on an official form. This one had no leading XXXX and contained 10 digits. This was also rejected. 

I then tried to establish my identity without a PIN using a series of questions. I answered each question correctly but Experian rejected this method of validation as well. Apparently the data they collect is often inaccurate and invalid and produces many false negatives. 

Finally, I tried to upload a PDF scan of the three documents they sent again using their online form, but their system was unable to upload this document. 

Experian does not provide telephone support to resolve problems like this. For a company with so much power over the financial lives of Americans to display this degree of incompetence with no way to quickly resolve issues is completely unacceptable. 

I need a valid identification number to use to temporarily lift the credit freeze on my credit report promptly from Experian. This number should contain no leading 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