vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: IL

Complaint narrative:
Hello, I have safe deposit with US Bank in XXXX XXXX, IL. I paid the {$130.00} on XX/XX/XXXX approximately XXXX and explained to the teller ( XXXX I believe is her name ) that I will probably be closing the safe deposit box within the next week and if I did would I receive a refund. She informed me yes and I told her I would return. She stated thank you for waiting as it was a lengthy wait on this particular day and I asked again if I would receive a refund. She stated yes again. 

I returned on XX/XX/XXXX and proceeded to do what I thought was appropriate and close the safe deposit box as I had pretty much dissolved any business with this financial institution because of bad customer service. I was waited on by XXXX XXXX and unbeknownst to me as she was cancelling me out I retrieved my items she did not provide me with a refund like XXXX had stated I would receive. I informed XXXX regarding the conversation XXXX and I had on the prior Saturday. I told her that although XXXX did not know the amount she did not know the extent of the amount. I informed XXXX to reverse the cancellation because I would have not paid the safe deposit fee that prior XXXXy had I known and would have retrieved my items that day had I not received misinformation. 

XXXX provided me with a form with an amount of {$95.00} and when I asked her about the additional {$40.00} she became very indignant and told me the fee can go up at any time and that I could not receive a refund. I informed her it was completely unfair that not only was I given misinformation but there was price gouging and asked her to provide me with her full name and the branch managers name. 

She attempted to write her name down on a sticky note instead of providing me with a card and I had to insist on getting the branch managers name. To my dismay the branch manager was sitting right there while all of this was unfolding and told me that XXXX does not handle safe deposit information and would not know how it should be handled. 

I explained to the XXXX XXXX ( branch manager ) that I would have cancelled the box the same day however she would not listen and basically informed me that this is just how it is. I also explained that is really unfair treatment which resulted in me closing accounts in the past and for them to suggest that I can still close and be out of {$130.00} is ridiculous. While this entire ordeal was unfolding, I was on the phone and my witness heard the unprofessionalism. 

My position is had a known I would not receive a refund, I would not have renewed the safe deposit box and returned less than a week later and spend 40 minutes for nothing.

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 2018-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: NY

Complaint narrative:
I had a student loan being serviced by Discover. I refinanced this loan through XXXX. XXXX sent a check for {$19000.00} to Discover to pay off the loan on XX/XX/XXXX. On XX/XX/XXXX, Discover deposited the check. 

Discover is saying they have not received this payment. XXXX sent me a copy of the cleared check to send to Discover as proof of payment. I uploaded the copy of the cleared check to my Discover account on XX/XX/XXXX, and I called them to make sure they received it. They said they have it, and they will look into it. 

On XX/XX/XXXX, I called them again because I kept getting notifications that my account was past due. They said they are still looking into it. 

My dad, who cosigned the Discover loan with me, was getting the past due notifications too. When he called them, he was told that both of us would get a negative report to the credit bureaus, if we don't pay. When he mentioned the document of the cleared check that was uploaded by me and the calls that I previously made, they said they have no record of any uploaded check or any record of an ongoing investigation into the payment. 

Discover removing the investigation, and not notify me that they are no longer looking into my issue, is unacceptable. Worst of all is threatening to send a bad report on both my dad and me to the credit bureaus, when they won't even thoroughly investigate what happened to the payment from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: ERC
State: TX

Complaint narrative:
XXXX XXXX is reporting an account that is fraud

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Tranfer to another lender dispute on XXXX no answer receive it 45 days and. Never did a Contracts with this people or know who they are also never receive letters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
Citigroup made the following changes to their policies and are violating the law. They stated : " Under this new policy, we will require new retail sector clients or partners to adhere to these best practices : .... ( 2 ) they restrict the sale of firearms for individuals under 21 years of age, and " ... Here is a link to full text of Citigroup policy : https : //blog.citigroup.com/XXXX This is in violation of 15 USC 1691a , Citigroup has announced it will be discriminating by age for certain transactions as excerpted from their policy statement. 

According to 15 USC 1691a, a creditor may not discriminate by age ( provided the applicant has the capacity to contract ) with respect to any aspect of a credit transaction. 

The law is clear.

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 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Tranfer to another lender dont have a contract with them never receive a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Global Lending Services LLC
State: GA

Complaint narrative:
XXXX Amount- {$XXXX} Actions taken : FILED DISPUTE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
Tranfer to another lender dont know this people

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is related to complaint : XXXX. I received an offer for a XXXX bonus on an XXXX XXXX card, which did NOT contain the language banning the bonus from previous card holders. Customer service told me I would not get the bonus because I was a previous card holder. They confirmed this was not the case and I was eligible. 


American Express confirmed that I was eligible for the bonus in this complaint and stated I just needed to meet the spend requirement and it would be issued. 

I met the requirement as confirmed by multiple representatives through chat ( they can review the chat records ), but as of yet, the XXXX bonus points have not been credited to me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: QUALITY ACCEPTANCE LLC
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter to Quality Acceptance LLC disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to Quality Acceptance LLC again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
XXXX XXXX is reporting an account that is fraud

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 2018-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting an account that is fraud

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 2018-03-23 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:
I am not disputing the validity of this account number XXXX or asking you to perform any verification but rather requesting you to correct the way this account is reporting to EQUIFAX and XXXX  XXXX Please note, this account is reporting accurately on XXXX. The Current STATUS is still reporting a delinquency " STATUS '' XXXX days past due. This reporting is inaccurate as the current STATUS should reflect that this account has been PAID or Pays As Agrees. Please see the inaccurate reporting of the current " Status '' of this paid closed account on the attachment 1.Per the Credit Reporting Resources Guide, current STATUS is clearly defined as a snapshot of the account status as the last reporting and does not reflect any prior historical status. A delinquent account will show its current delinquency as the current STATUS. However, when Paid or Settled, the current STATUS is bumped to PAID ( or paid/settled for less ). It is no longer a delinquency STATUS. The current STATUS of XXXX Days Past Due is not reporting correctly. Please see the Status on the attachment 1a ) Current STATUS should and must be updated to PAID or Settled to reflect the current STATUS. If an account shows a delinquency STATUS, such as a monthly delinquency STATUS or a STATUS XXXX Days Past Due, is then PAID the current STATUS is then UPDATED to PAID ( or paid/settled for less ) and is no longer once of any delinquency but rather now shows PAID. The prior delinquency is then shifted to ACCOUNT HISTORY WITH STATUS CODES. Please see Account History with Status codes. 
2. FCRA 623 ( a ) ( 2 ) requires creditors to promptly update their reporting to show a new current STATUS of PAID ( or paid/settled for less ).

2a ) CLOSED STATUS is not sufficient to inform FICO that this account is no longer delinquent as delinquencies can continue to accrue and be reported on closed accounts.

2a ) To purposely and willfully report inaccurate accounting is a violation of the law.

2b ) Correcting the inaccurate reporting of the STATUS is an easily correctible matter.

2c ) This inaccurate reporting is causing me harm and is causing mortgage lenders to view the account as if the current STATUS is XXXX Days Past Due and has caused my mortgage scores on both Equifax and XXXX   to be significantly lower than XXXX because the current STATUS do not reflect the accurate reporting of PAID or Pays As Agreed. Please see highlighted area. 
2d ) Updating the account under ADDITIONAL INFORMATION ; Account Transferred or sold is not sufficient to inform FICO that this account is Paid and Closed under Current STATUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
Account opened- XX/XX/2017 Date noticed debt- XX/XX/2017 Actions Taken- FILED DISPUTE WITH COLLECTION AGENCY Amounts- {$580.00} {$1000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Everyone pulls equifax, lenders and employers. They are the worst agency to deal with. 
I have discharged chapter XXXX dated XX/XX/XXXX. The other 2 agencies have the updated bankruptcy information all accounts XXXX, not Equifax! I tried to pull my annual free report, IT DIDNT GIVE ME A 10 DIGIT CONFIRMATION #. TRIED TO LOG ON TO DISPUTE, IT ASKED ME FOR THE 10 DIGIT REPORT ID, WELL IT NEVER GAVE ME ONE. because free report didnt give me a 10 digit ID, it would not let me continue to dispute, stating it could not pull my information. I was denied credit. Their system telling me I can not be verified even though I am answering all of the verification questions that are pulling directly from my own credit report. I even tried to pay for a report just to get online to dispute these items. It is still saying it can not verify my information even thorough I am inputting my SSN, DOB and my drivers license number. Meanwhile, due to their INACCURATE information, I'm getting turned down for credit and taking hits to my credit score because they wont let me access my OWN CREDIT REPORT, making it difficult to dispute any information. 
They are telling me to make a copy of my DL # and my SS card and proof of address and MAIL it to them .... SNAIL mail. That can take 30 DAYS OR MORE TO PROCESS. 
UNACCEPTABLE. THIS NEEDS TO CHANGE. LET ME CONTROL MY REPORT NOT YOU CONTROL IT AND LOCK ME OUT OF IT. NOT FAIR EQUIFAX. 
THE CFPB NEEDS TO INTERVENE AND MAKE THEM BE MORE ACCESSIBLE DISPUTE INACCURATE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: TX

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 2018-03-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX I sent a letter to XXXX XXXX XXXX disputing the account they are reporting on me as charged off on ALL 3 credit reporting companies - I demanded that they provide validation to me - they ignored my request XX/XX/XXXX I sent a follow up letter to XXXX XXXX XXXX again demanding that they provide validation - again they ignored my request XX/XX/XXXX I sent a letter to ALL 3 credit reporting companies demanding that they provide validation - ALL 3 credit reporting companies ignored my request XX/XX/XXXX I sent a follow up letter to ALL 3 credit reporting companies demanding again that they provide validation - again ALL 3 credit reporting companies ignored my request

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 2018-03-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — 
Company: Peer Advisors, LLC
State: AZ

Complaint narrative:
My parents did a reverse mortgage with XXXX XXXX XXXX in XX/XX/XXXX. My dad XXXX 5 years ago and my mom just XXXX a year ago XX/XX/XXXX. I am the sole heir and the only family member left. I had been living with mom for 3 years taking care of her. This has been my childhood house since XXXX grade! Long story short, I got my name on the house and have a buyer who is waiting for the payoff amount and the mortgage company refuses to give it to me. The house goes up for auction XX/XX/XXXX and i am still not able to contact them. They have given me wrong numbers and i have left messages every day and they have yet to return my calls. I have been trying to reach them since the XX/XX/XXXX. They will not give me a payoff in a timely manner. 
The sale is due on the XX/XX/XXXX and foreclosure is the XX/XX/XXXX.

This is very stressful for myself and the buyer and I originally tried talking to them in XX/XX/XXXX and I could not talk to a manager or anyone in a higher position. They lost my paperwork and I had to resend it. I also noticed that my mother 's name is misspelled on the Notice of Trustee 's Sale document. They have purposely delayed things so I am in jeopardy of losing everything. This is unprofessional and very unfair. XXXX XXXX XXXX XXXX is also involved in the matter. 
Thank you for your time and consideration on this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
Around of XX/XX/XXXX.-XX/XX/XXXX I applied for VA Loan modification and during the process I filed a Bankruptcy Chapter XXXX on XX/XX/XXXX. 
VA Lenders First Continental and XXXX XXXX and approve loan modification in which mortgage was still not affordable. 
But I signed documents because of my fear losing my home. 
On XX/XX/XXXX, I also requested for VA Loan modification as mortgage is not affordable and VA Lender had me fill three of four applications for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX I was denied on VA Loan modification and during application VA Loan modification process Va lenders pull my credit about five times and my credit scores has dropped to around 580. 
On XX/XX/XXXX VA Lenders pulled my credit with XXXX, XXXX and XXXX for another VA Loan modification.Why pull my credit if modification is going to be denied again around XX/XX/XXXX And my home been foreclosed on XX/XX/XXXX. 
I filled all new VA Loan modification application and provide all information requested. 
There is a fraud, scandal and corruptions on my VA Loan with XXXX XXXX of XXXX, Texas and XXXX XXXX XXXX of Texas. 
XXXX XXXX sold my VA Loan to First Continental and XXXX in XX/XX/XXXX. 
Also VA Home purchase and appraisal was inflated to sell my new construction home on XX/XX/XXXX for {$240000.00}. 
No homes was sold for $ XXXX before XX/XX/XXXX.After XXXX XXXX made their profit of $ XXXX than after XX/XX/XXXX some homes was sold around $ 240k, etc. 
I provide evidence to Federal Government on XXXX, Texas comps sales of XX/XX/XXXX a home that was much bigger than mine sold for $ XXXX. 

XXXX XXXX  alongside with XXXX XXXX  of XXXX, Texas are in a fraud, scandals and corruptions on my VA Loan and this why I am having issues with my VA XXXX. At XXXX my mortgage will be much affordable. 
I am XXXX and Retired and on a XXXX fixed income.I am divorced and live alone in my home.

Company response to consumer: Closed with explanation