vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MT

Complaint narrative:
We lost our home in a fire on XX/XX/2019. On XXXX the property loss division of US Bank cashed our insurance check. Through out XXXX we uploaded to the website we were asked to use all required documents. We found the required documents on the paper work they initially sent us. Since that time there has been no communication from them in any form. I have to call every time. I uploaded my final signed contract from our contractor and us on XXXX. That was the last document according to their paperwork and numerous phone calls that I needed to provide them to have completed step 1 and to receive our initial check back from them so I can pay the contractor. I called on XXXX to find out why it was not showing up on the website. I was informed their website had been down and they didn't receive it. There was no effort on their part to inform me about the website being down. This directly delayed a check being issued back to us from them. I then had to pay out of pocket to fax the contract to them. I called back and was informed they had received it and as soon as it was verified the check would be issued. I called today XXXX after I saw on the website that the contract had been reviewed only to be informed they now needed a blue print. There is no mention on the documents they gave me requiring a blue print, to be issued my initial check. I again had to pay out of pocket to have a fax sent with the house plans. I was informed this should have been included in the adjusters report that was reviewed and verified on XXXX. Another error on their part that again has delayed my initial check being issued. Their lack of communication and not providing me correct documentation in the first place stating any and all documents I need to provide them to receive my insurance claim money back has now delayed this process a second time. I feel it is a purposeful, deceitful, and malicious business practice to not give out all the information up front and to neglect contacting customers in order to keep the insurance check money as long as possible to collect interest on it.

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 2020-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT TRANSUNION, XXXX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND 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 2020-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Several years ago around XXXX roughly, I had opened a checking account with Bank of America. The offer was for an account that required no minimum balances. To clarify, if the account held a positive balance I was not to be charged any fees. In XXXX, after a few years of not using the account and having a balance around {$500.00} I went to a bank branch in XXXX, where I had opened the account, to make a withdrawal. My ATM card was no longer active so I went to the teller with driver 's license and had a second form of ID with me. Upon asking the teller for a withdrawal, they accessed my account and told me because I had not used the account in some time I would need to speak to a personal banker there in order to withdraw funds - and, no one was available at that time so I would need to wait and/or return. 

At that time, I was still not being charged any fees so rather than to deal with the hassle, I decided to maintain the account as some small savings. In XXXX, I went into a branch on behalf of a company I was working for who had accounts at Bank of America. While there, I asked to speak to a banker about my personal accounts and they informed me that my balances were now below {$0.00}. Apparently they had been charging me a monthly fee for a few years now. I requested that the account be made whole to the amount it contained prior to them changing the rules for the account and for me to withdraw the entirety of funds and close the account. After speaking to the manager at this branch in California, she told me they could refund the last 2-3 months ( I don't recall the exact amount ) of withdrawals and I declined finding this to be unsatisfactory. What I'd like, is for the entire balance to be restored to what it was prior to them charging fees and to be able to withdraw those funds without incurring any fees. 
I see below a request for documents and if necessary, I can go to a branch and get statements to show what's occurred

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Cohn, Goldberg & Deutsch,LLC
State: MD

Complaint narrative:
The agency of Cohn Goldberg & Deutsch sent all the letters to the wrong address and when I went to my daughter 's house to fix the heat for her tenants she told me to check her mail and that's when I seen the letter from there office. I contacted them and they wouldn't let me talk to a lawyer in there office. This account was charged off on XX/XX/XXXX and they sent me a letter which is dated XX/XX/XXXX and in Maryland it's only 3 yrs on  any writing contract. They issued a garnishment against me. I called once again the gentleman said they issued a judgment on XX/XX/XXXX I checked it and didn't see any judgment against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: DC

Complaint narrative:
I already reached out to Equifax and to XXXX XXXX XXXX and notify them of their error posting of information on my report. The account is truly wrong. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persist on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, EXQUIFAX AND XXXX UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30 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: TX

Complaint narrative:
XXXX XXXX XXXX IS REPORTING A FRAUD ACCT ON MY CREDIT REPORT. THE ACCOUNT WAS WITH A PREVIOUS COLLECTION AGENCY AND WAS REMOVED BECAUSE OF FRAUD AND NOW XXXX HAS TRANSFERRED IT TO ANOTHER COLLECTION COMPANY. 

I WOULD ALSO REQUEST THAT XXXX, XXXX AND EXPERICAN UPDATE MY NEW PHONE NUMBERS ON MY CREDIT REPORT TO XXXX, HOME XXXX AND 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 non-monetary relief
Consumer complaint received 2020-01-30 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: NY

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : OPENED XX/XX/XXXX XXXX XXXX XXXX {$12000.00} XXXX XXXX opened XXXX {$250.00}

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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has on page 11 of 14 XXXX XXXX XXXX XXXX XXXX has this address as business and its a Resident address not a business it shows residential on XXXX and is showing with the Us post office as resident. Experian needs to provide proof of there error as business error after error.

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 2020-01-30 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: Atlas Collections Inc. (of New Castle)
State: IN

Complaint narrative:
XX/XX/2020 Collector called while I was at work. I tried to comply and come up with a payment plan. The woman suggested a low of which I am unable to pay and she said they only offer payments as a courtesy and they dont HAVE to accept payments. I said it was a show of good faith and that it could be withdrawn automatically from my account every pay ( bi-weekly ) and she refused to accept it. She threatened me with additional court costs and fees and I said then I will file for bankruptcy and she hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: VA

Complaint narrative:
Equifax has listed on my credit a negative report of the sum of {$410.00} being owed. When I first got into a subsidized apartment I got copies of my credit reports from Equifax and XXXX. This amount was listed as being owed to XXXX XXXX XXXX. This bill was paid to them by personal check # XXXX, written XX/XX/2016 to XXXX XXXX XXXX. This amount has since shown up on my Equifax credit report as being owed to a different collection company and they have not checked and removed this negative, false report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cypress Collections
State: CA

Complaint narrative:
Cypress Collections Professional Collection Agency XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Reference # XXXX Client # XXXX Thank you for your inquiry. I do in fact dispute the claim of {$120.00} plus the additional interest that was erroneously billed to me and certainly, your threats to damage my credit worthiness. 

I am a Veteran under the care of the Veterans Administration at XXXX XXXX. I have communicated with Doctors on Duty and have told them that their claim needs to be filed with the Veterans Administration. I also told Doctors on Duty that I would talk to the VA regarding the erroneous billing for my approved office visit. I talked to my primary care doctor at the VA and was told that there is a record of an authorized request for medical service on XX/XX/XXXX. Initially I told this to Doctors on Duty bookeeper. I clearly told the Doctors on Duty staff that the VA sent me and that I needed to be evaluated for XXXX because of XXXX XXXX and that I was a veteran. The reason for this going to collection is clearly not my doing. It is in fact Doctors on Duty responsibility to bill the VA as per their contract ( a requirement that they did not do ) Embroiling me in their mishap with a threat of affecting my credit worthiness is disturbing at best. 

I have contacted the Community Provider division of VA and have filed an Adverse Credit Report - XXXX. Cypress Collection as well as Doctors on Duty have been notified to cease and desist their illegal claim. If in fact my credit worthiness is affected, I will sue for defamation of character and elder abuse of an ailing veteran. 

I am willing to pursue a course of action against both Doctors on Duty and Cypress if this persists any longer. I defended my country with dignity and courage and expect respect and thanks for my service, rather than being threatened and abused by Doctors on Duty and Cypress Collections. 

Thank You XXXX cc : FTC www.ftc.gov cc : Senator XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Yes my dispute relates to all three credit reporting agencys. But the most troubling is Experian. XXXX instance we can look at an account on my report under university XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XXXX and later in XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XXXX. Its being updated in a way to appear newer in my report than it is. Experian is impossible to deal with and Im getting tired of not getting 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 2020-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
1. On XX/XX/XXXX I sent a wire transfer -- XXXX Euros. The bank charged my account {$35000.00} USD for this transaction. 
2. On XX/XX/XXXX, the wire transfer was returned and my account was refunded {$33000.00} USD. That is a difference of {$1200.00}. 
3. On XX/XX/XXXX, the local branch forwarded the dispute to the research department. 
4. On XX/XX/XXXX, the case was forwarded again. I was told that the local branch marked the dispute as confidential and the research department could not read it. 
5. On XX/XX/XXXX, I contacted Customer Support and was told that the agent assigned was XXXX. 
6. On XXXX, XXXX I received an email and was told that the agent assigned was XXXX . 
7. On XXXX XXXX, I spoke with someone in the Executive Office and was told that there was nothing that they could do. I requested confirmation of exactly how many Euros were returned. I was told to visit the branch office for that information. At that time, I initiated another complaint. 
8. On XXXX XXXX, I received an email that the case manager is 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 2020-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After viewing my credit reports I noticed accounts on my reports that were fraudulent under a bankruptcy. I filed an identity theft report with the Federal Trade Commission about these accounts. Experian, XXXX  and XXXX  removed the fraudulent accounts under this bankruptcy, but left the Bankruptcy on my reports with no accounts attached or any other verifiable information. I have sent several dispute letters to each credit bureau demanding the removal of the unverified and inaccurate information on my credit reports. The bankruptcy is reporting an account number and bankruptcy court information on all 3 credit bureaus. They have failed to verify that this bankruptcy belongs to me. They have failed to contact the Original source of the information which is the Bankruptcy Court. I contacted the Bankruptcy Court and was told they do not give any personal information to any third party source. I also asked them about the account number reported on my credit report and was told they can't tell me who's name it is because of confidentiality even though it's public record. They took my Driver 's license and said that it wasn't my name under that account number. I explained this to a representative at Experian. I asked the above credit bureaus to verify my name and full social security number for the bankruptcy and they failed to do that. Experian sent me a letter asking for my drivers license and social security card, I submitted the information to them.

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 2020-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SUN LOAN COMPANY INC.
State: AL

Complaint narrative:
Sun Loan in XXXX AL was advised on numerous occasions to stop calling my place of employment. They proceeded to do, giving my personal information to a coworker ( same first name as mine ). I escalated this issue to the District Manager and she assured me it would not happen going forward. Once again, this week, an employee contacted the same person in my office and advised her of private information regarding my personal business matter with this company. I attempted to have the office manager at Sun Loan give me a number of the complaint line but she refused and disconnected the call. I called a different office and they gladly provided the information.

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 2020-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX Chase Bank called me about a particular charge on my card. It was fraudulent and they canceled the card and said they would send me a new card. I asked them to send it to my sons house as that is where I am. I expected to have the card by Tuesday, XX/XX/XXXX, today I still DO NOT have a replacement. I can not pay my bills, buy FOOD or rent a car. I have called Chase several times and have been told it has been snail mailed. MAYBE I will have it by tomorrow. I have accrued several late fees since I don't have a card and cant pay on line, where the companies want payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2020 I received an alert from Equifax indicating there was a hard inquiry into my account. When I looked on my report I noticed 2 hard inquiries made on XX/XX/2020 and XX/XX/2020. One from from a bank for a personal loan and the other was a credit card application from a jeweler. Neither of which belonged to me. 

Out of fear of someone trying to steal my identity I called them to freeze my account. I spoke to numerous agents whom clearly did not speak XXXX well and when I asked to speak to a manager because they refuse to freeze my account, they hung up on me because they did not want to have me speak to their manager. They informed me I would have to make the request via snail mail and include my social security number and a copy of my drivers license. I told them this was absurd because if the document was intercepted in the mail - all my personal information was at risk. I spent hours on the phone trying to get someone - anyone to help me yet to no avail. 

Incidentally, I had no problem freezing my credit report through XXXX  and XXXX. So, with Equifax refusing to freeze my account, someone is out there applying for credit in my name and only a matter of time before an account is opened. Equifax clearly has no problem running my credit for a hard inquiry with clearly minimal information, yet after I passed all the security measures on the phone continued to tell me I had to send in my documents to freeze my account. 

They continue to put consumers at risk. Please help me to get them to freeze my credit so I can preserve my identity from further misuse. 

Thank you.

Company response to consumer: Closed with explanation