vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from American Express and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from American Express addressed personally to me stating that I was denied credit card because of my credit report. What! I called American Express and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/XXXX my account was reported as Delinquent in error, I called capitalone and they removed the status from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
We are a Family living in XXXX Florida, Me, my Husband and XXXX teenagers daughters, I work for the XXXX XXXX XXXX, and my Husband is an XXXX, last year we had the impact of one of the most destructive Hurricanes from the past 20 years and under federal disposition all mortgages together with credit companies agreed to help the Florida residents holding payments for 2 or 3 months and putting those payments at the end of the mortgage life that was the agreement with US Bank our Mortgage lender, we verified before accept the help that the credit will no be affected and the monthly payment keep as before, after the first month without payment all statement came with all late payments fee, plus threatens of foreclosures, and our credit was seriously affected, we called several times, and their response always was that the system generated those warnings automatically but everything was under control and they will do a modification without affecting the current monthly payments in XX/XX/XXXX the first month after the 3 month hurricane help, well in XX/XX/XXXX our nightmare began, the modification last 3 months now we have to pay in full in 6 moths the 3 months of hurricane help that should be placed at the end of the mortgage life, then our first payment as soon as in XX/XX/XXXX jump from XXXX to XXXX for the next 6 months that include the month after Hurricane XXXX XX/XX/XXXX. XX/XX/XXXX. and XX/XX/XXXX plus the late fees ( XXXX ) that they agreed not to charge resulting in a total of XXXX, far from a hurricane help this is an abusive and coercive method of removing our home after 14 years of loyal costumers always paying on time it makes sense the housing market value is around {$330.00} and our debt is XXXX and we already paid in 14 years to US Bank XXXX, maybe more and our first preconstruction sale was XXXX. We are a mid-class family my oldest daughter is getting to the university, and the youngest in XXXX XXXX. We are very frustrated with this situation because of looks like if we do not have any rights and the banks have you as a prisoner due to the debt. This Institution is our last resource we beg you for help. We have no choice, no options as the US Bank repayment plan agreement says dated on XX/XX/XXXX, anything else means Foreclosure. Thank you for being there to give us some Hope.

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 2018-04-14 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: MT

Complaint narrative:
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX exquifax too XXXX is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX disorder then now I am not sure what else to do anymore then all my credit report XXXX beaten me up bullied and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX  off by police and sheriff and feds then plus treated as a XXXX XXXX to abuse the XXXX and XXXX and my family too doing this to me since XX/XX/1977 too and growing up so XXXX  since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and no one will help me to get me out of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a XXXX or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: Experian Information Solutions Inc.
State: MT

Complaint narrative:
I been victim of identity theft then inquiry without my knowledge from XXXX XXXX XXXX XXXX Experian is only one helping then there discrepancies then I can access to the other credit Beau then I can find housing to live to many other things I filled with XXXX  Montana police department then the department of Justice in Montana issue me a letter that states that I been victim of identity theft then still fraudulent activity on all three reporting beau 's then locked my with codes without my knowledge and I never gave permission to miss use my SSN number then I been still sold for XXXX to many other ways too then my whole life I fought for my identity then robbed from jobs to housing and more importantly too this too affected my ability to open banks then plus affected my way to ask for help with my XXXX then XXXX fraudulent activity against me then open housing loans to car loans to college grants and irs thinks I am someone that I am not then I commit pugery to the SSN number being sold too and similar of SSN numbers created and false accusations against me then abused by the system against me since childhood and infency to adult hood then all this negative behavior against me then I been trying to report to all creditors then I been false accusations then thown into XXXX and XXXX XXXX then now I am not sure what else to do anymore then all my credit report Beau XXXX me up XXXX and spying cyber XXXX me then out me because I am XXXX and more then since the truth is out there three church group too selling my personal information then all know my personal information and such this is going to much out of control then extortion against me then near XXXX off by police and sheriff and feds then plus treated as a XXXX XXXX  to abuse the XXXX and XXXX and my family too doing this to me sinceXX/XX/1977too and growing up so XXXX since childhood and infency then XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and no one will help me to get me out of XXXX and XXXX domestic XXXX and XXXX XXXX since childhood and infency then plus too I can not afford to live anywhere else then phone to more missed used my SSN number and made it XXXX worse to me then such then think I am a bot or fake then spammed over XXXX dollars and more on going missused and moved my mail and more online and paper too then endorse my name and forged my name and handwriting then expected to be blame and blackmail me and hurt near to XXXX I can't cope anything

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 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
This is in regards to my previous complaint with Santander. I received a letter today from them stating that my claim was denied due to inconsistencies. They conveniently left out what these inconsistencies are. Im not certain they even investigated my claim. Now, the letter I received stated the transactions as taking place on XX/XX/XXXX. In my claim, I stated XX/XX/XXXX, which is what is on their banking website. Maybe this is the transaction date versus the posting date? I dont know. What I do know is the last time I used my card was at XXXX for {$52.00}. Every card transaction after this is fraudulent. Again, these transactions are ...

XXXX for {$17.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$800.00} posted on XX/XX/XXXX, according to the banking website.

Cash Withdrawal for {$180.00} posted on XX/XX/XXXX, according to the banking website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Capital one hard inquiry on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, On XX/XX/2018, I received a phone call while outside the company on a vacation with my family. The caller stated that he was calling from XXXX XXXX and stated that we were referred to him by an individual to offer us business credit card for our business use. I was initially hesitant but agreed to proceed only if the card credit decision will be based solely on the business credit report. This was made very clear then I am asked for my social security number. I refused to give him my social security number and made it absolutely clear that I wouldn't continue when he asked for my SSN. 

I informed him that I don't want my credit to be used neither do I want to be personally linked to the credit decision. I informed him that I will not continue with process if my credit will be checked. He assured me that he can use only the business credit and then proceeded to ask for the business federal tax ID. I obliged and gave him the business information. I NEVER AGREED TO HAVE MY PERSONAL CREDIT CHECKED, INFACT, I REFUSED THAT REQUEST. To my surprise, I received a letter from XXXX XXXX addressed personally to me stating that I was denied credit card because of my credit report. What! I called XXXX XXXX and all they can say is that they will remove the point from my credit report. 

I am beyond furious for the invasion of privacy.

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 2018-04-14 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: Synovus Bank
State: TX

Complaint narrative:
i spoke with somebody to close the account it wasnt.Then called on XX/XX/2018 adn spoke with XXXX and she was rude.i ask why am i receiving a late fee she said becuase we didnt receive your money till the 9th. It is not fault you guys received it late. I ask for a super visor 3 time she come back saying there is none available. customer services was never right made me feel unwanted.Never again will i use them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I SENT IN A DISPUTE REGARDING SOME NEGATIVE ITEMS I FEEL ARE INCORRECT AND SHOULD NOT BE REPORTING AND EQUIFAX DID NOT RESPONS THIS DISPUTE WAS SENT IN ON XX/XX/2018 AND STILL I HAVE RECEIVED NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: OH

Complaint narrative:
I've disputed through XXXX, multiple times about medical debt with company " Commonwealth Financial Systems '' I did my dispute through XXXX XXXX, and since the most recent update I am unable to view the past dispute dates. However I do check my " score/report '' update every 1-2 weeks. I've ask XXXX to verify that all of the account information. Ever since I've disputed a few months ago ( the first dispute starting around XX/XX/XXXX ) the collections account will be deleted and re-added at random intervals. The amounts vary between $ XXXX {$2000.00} ( The current amounts are ( a ) {$1500.00}, ( b ) {$1500.00}, ( c ) {$1100.00} ). 

" A '' was reported onXX/XX/XXXX " B '' was reported on XX/XX/XXXX " C '' was reported on XX/XX/XXXX It's just frustrating when I dispute and get the issue resolved just to have it return as a " new '' collection within the next month. My credit keeps taking hits because of this. 

*I 'd also had the same issues with XXXX  but the amounts were assigned to a different collection agency ( they havent been reported again after dispute ) * **The same information is being reported to XXXX as well**

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Lending Club Corp
State: WA

Complaint narrative:
Please reference my previous CFBP complaint # XXXX regarding Lending Club reporting my XX/XX/XXXX payment late in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX on my XXXX report. After correcting their latest attempt at reporting me late, they just did it again today, XX/XX/XXXX, for the 5th time, this time on my XXXX report.

I submitted email evidence with my previous complaint from Lending Club confirming that they corrected the previous 4 credit reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC.
State: CT

Complaint narrative:
A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded

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 2018-04-14 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: AL

Complaint narrative:
This medical account should not be on my credit reports This under 180 Days please Remove Off My Equifax credit report due too hippa violation!!! 

This acct is only 1 month old!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: AL

Complaint narrative:
A collection from this company appeared on my credit report. I received no communication from them and don't even recognize the debt - I had no opportunity to work with them to figure it out before they reported it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: VANGUARD FUNDING LLC
State: AL

Complaint narrative:
I have a number of Brokerage CDs. These products are sold as certificates of deposit. However, these products trade like bonds, meaning that their price can rise or fall depending upon interest rates. 

These products should not be sold to savers or retired folk who are seeking safety and income. But they are being sold to millions of saver who are now panic selling because the price is falling because short-term rates have risen. 

Further, the bid/ask spread on CDs which only pay 2 or 2.5 percent typically have a spread of 1 or 2 percent. This is outrageous.

The bottom line is that these products are sold as certificates of deposit, but they resemble nothing of what most people know to be a CD. This practice needs to be eliminated. A CD should not trade like a bond - most buyers are not interested in seeing their assumed safe investment pulsate in value with the markets. If they wanted that they would invest in stocks. Something needs to be done about this.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-14 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I sent a list of inquiries that may have been made fraudulently without my consent or bearing my signature. I also sent a copy of a police report made showing that my identity was stolen and that these inquiries may have been a result of my information being stolen.

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 2018-04-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I would like you to stop banks which are supported and subsidized by the government from discriminating against certain companies and citizens safely and legally producing, selling, and using legal products. 

Recently both XXXX XXXX  and Bank of America have announced that they will no longer loan to manufacturers or dealers of certain types of firearms. They are taking the position that banks can decide what the people of the US can purchase and use ( since if no one manufactures or sells these items, no one can purchase or use them ). These banks should have no right to discriminate against lawful activities carried on by millions of Americans. That is especially true since the banks are chartered, regulated, supported, and subsidized by the American government and the American people. Without this support, banks would be much smaller, make much less money, and not have the power they have. These bank actions are in fact little different than if the banks discriminated in mortgage practices, car loans, etc. 

Federally supported banks should not be able to discriminate against lawful practices by American citizens. 

I have discussed this issue with representatives of both XXXX and Bank of America and they were not interested in my concerns.

Company response to consumer: Closed with explanation