vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Hello : I am a US Bank customer and use online bill payments and recurring bill payments for most of my expenses. I have a mortgage with XXXX XXXX for which I have an established recurring bill payment set up with US Bank.In XX/XX/XXXX I received a notice from XXXX XXXX that my monthly payment would be changing beginning in XX/XX/XXXX. I went online to my US Bank Bill Pay to adjust the payment amount from {$3400.00} to {$3500.00}. I also transferred funds from a savings account to my personal checking account to cover anticipated expenses including the monthly XXXX XXXX payment. Believing all was fixed for future payments I paid no attention to the bill pay service until I received a notice from XXXX XXXX that my XX/XX/XXXX payment had not been received. I immediately went online and issued a onetime payment to XXXX XXXX including late fees, verified funds were not the issue and contacted US Bank to complain about the cancelling of my payment vs the editing of the amount for future payments. US Bank has repeatedly promised to look into the matter and let me know in three business days the outcome, yet far more than three days will pass with no follow up. Today on an extended call and being passed around to multiple customer service reps and managers, I was told that bank logs indicate I cancelled the payment and that no documentation of same would be provided to me, nor would a letter explaining what actions I and US bank had undertaken to address the issue would be issued. My credit has been damaged by the failed payment, I am in need of documents to show a mortgage broker that I protest the resulting fees and ding on my credit, but I get nowhere with US Bank. I am going back to a branch today as directed by online banking to ask for a letter of explanation which I have little hope of getting.

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 2018-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I just want this removed from credit report. they continued to harras me so I paid it even though it was not mine. I just want it removed. when I paid them they stated it would come right off ... never did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
My loan was sold from XXXX XXXX  to M & T Mortgage I was told it would be the same loan.Then Iam trying to make a payment before XX/XX/XXXX on XX/XX/XXXX and they will not accept it saying the send a demand letter and now have to pay the full amount by end of month.

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 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
XXXX XXXX keeps calling me everyday, somedays up to 5-6 times a day always from different numbers so blocking their numbers has been very difficult. Today they have called at the following times so far : XXXX, XXXX, XXXX, XXXX, XXXX. I do have an account with them that I owe a balance on but I'm currently working on saving up my money for my bankruptcy lawyers retainer fee. All I want is tor XXXX to stop harassing me with the constant calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have accounts that was not reported to the credit bureau that would make my credit score better. I purchase and paid off three vehicles that was not reported to the bureau and was closed without being reported. I contacted XXXX XXXX/XXXX XXXX XXXX and compass bank to correct their records and update with all 3 credit bureaus. I am submitting supporting documents that there was an error on there part and they still to date has not corrected on the credit reporting side. I need assistance in getting this corrected. Please note the vehicle purchases were high amount well over {$70000.00} totaling the 3 together. Which paying these items off with good standing would have made my credit score much better. I need my credit report to reflect these purchase and pay off in very good standing. Attaching all 3 credit reports as proof they are not included on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-14 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: Synovus Bank
State: FL

Complaint narrative:
My credit report shows hat the account was in arrears on XX/XX/2017 to XX/XX/2017, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
I applied for Valley National Bank XXXX XXXX Account on Monday XX/XX/XXXX. I called into customer service ( XXXX ) XXXX on Saturday, XX/XX/XXXX to confirm that as an existing customer with an existing account that I would be eligible for this new account promotion where I would receive {$200.00} for opening a new Premier Checking Account and setting up direct deposit. The customer service representative informed that I was indeed eligible because there were no terms that required me to be a new customer. Since I was having problems submitting the application, I called customer service to help me with the application on Monday XX/XX/XXXX. After a long hold, in which I had successfully submitted the XXXX XXXX Account application online, they informed me that I was not eligible for the account because it was only for mortgage and new checking customers only. However, this was not mentioned on the page promoting this account or in their terms and conditions. They went to investigate this and called me back 10 minutes later. The customer service directed me to another page that conveniently had this language that the account was " available to mortgage and new checking customers only. '' This two different pages did not even link to each other. I attached a copy of the terms and conditions that did not mention that I had to be a new customer to receive the bonus ( under XXXX ) and the page I was sent to after calling them that had their new customer requirement ( under XXXX ) both with today 's timestamp so they can not claim it had been there all along.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern XXXX XXXX. XXXX XXXX XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX  XXXX XXXX XXXX XXXX XXXX , XXXX  XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX 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 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
TRANSUNION has made an error since XX/XX/XXXX until XX/XX/XXXX by reporting my XXXX XXXX  " 30 '' days late for 5 months now. However its still shows " payed as agreed ''. 

in addtion XXXX and XXXX show current ( see attached ). 

ive contacted TRANSUNION with no success.

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 2018-05-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: United Student Aid (USA) Funds
State: IN

Complaint narrative:
My tax return was seized for my deceased wifes debt. I took corrective actions on XX/XX/XXXX and as of XX/XX/XXXX I still have not received a refund from XXXX. I provided all the documentation that they needed in order to issue a refund and Ive called every two weeks to get the same response of youll have to wait we are over capacity of dealing out refunds it could take another 60 to 120 days to receive your refund Im sorry but I have no information for you at this time. Are things that Ive heard consistently. All im warning is to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report shows hat the account was in arrears on XX/XX/XXXX to XX/XX/XXXX, for 30, 60 and 90 days respectively. This is inaccurate, and this should be removed from my credit report/ need a trade line deletion.

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 2018-05-14 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: On-Site Manager, Inc.
State: OR

Complaint narrative:
I have hard inquires I did not authorize one on XX/XX/XXXX from " on site manager '' & two from " XXXX XXXX '' on XX/XX/XXXX & XX/XX/XXXX, these two from XXXX XXXX  were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I requested a copy of my XXXX XXXX XXXX XXXX XXXX XXXX file. Upon receiving my file on XX/XX/XXXX I saw that there was a service account showing by XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX IL XXXX that was charged off in the amount of {$2200.00} I have never had a cell phone that I recall with this company and surely not with a bill for such an enormous amount!!! Also I noticed that is account, is almost 2 years past the Statue Of Limitations and has not been deleted! I'm not sure where this account came from but would like for it to be immediately be deleted from my XXXX file. Looking back I believe this inaccurate reporting may have been the reason i was denied cellular service with XXXX. I tried contacting the XXXX but every time I call they say they're having technical problems and to call back in a hour. 

The account number that's in my file is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Approximately two years ago, I purchased the XXXX through XXXX. It has been determined that the product will never ship and was simply a fraudulent way for the XXXX  creator the obtain money from consumers as a scam. I have spoken with the credit card company and with XXXX and the vendor, and nobody seems to want to take responsibility for refunding the scammed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: C. Edwin Walker Attorney at Law
State: IL

Complaint narrative:
I received a letter from C. Edwin Walker, Attorney at Law, XXXX XXXX XXXX. XXXX XXXXXXXX, XXXXXXXX XXXX  XXXX XXXX, IL XXXX, stating that I owed {$480.00} to XXXX XXXX , XXXX plus reasonable attorney fees for work that they completed at my home. I requested written verification that my credit card was presented for payment and rejected by my bank to insure that the plumbing company did try to present the payment and to rule out any type of bank fraud that might possibly have taken place. The money was available at the time of payment and I paid other workers with cash from the same bank account after the date that XXXX XXXX was issued my credit card number. If the plumbing company presented the card request within one to two days the card should have gone through. If the card was rejected by XXXX XXXX bank or my own bank the POS ( point of sale ) machine would have issued a receipt showing that the payment was declined. The attorney told me to go to my bank and get verification that the plumber 's payment was rejected but I stated that debt collection laws required his company to do the work by requesting the information from the company that is accusing me of the crime of non payment. C. Edwin told me that he would advise the plumber to file a civil suit against me. I do not believe that C. Edwin Walker is a valid Attorney at Law and I am requesting an investigation into the matter by the Consumer Financial Protection Bureau. Sincerely, XXXX XXXX XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX   , XXXX XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : Please update to the correct address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX Have enclosed a copy of two bills PLEASE UPDATE MY CURRENT ADDRESS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  THIS IS NOT MY ADDRESS ( I HAVE NEVER LIVED HERE ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address.

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS:XXXX XXXX XXXX XXXX XXXX XXXX , XXXX 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 2018-05-14 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: CITIZENS FINANCIAL GROUP, INC.
State: OR

Complaint narrative:
I have hard inquires I did not authorize one onXX/XX/XXXX from " on site manager '' & two from " citizens bank '' onXX/XX/XXXX & XX/XX/XXXX, these two from citizens bank were supposedly for an XXXX, I was told by XXXX there would no hard inquiries & did not authorize them to do any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I was a victim of ID theft and Experian blocked the fraudulent trade lines as required, BUT two of the items are now being reported under a different name. someone opened a XXXX  account and also tried to rent an apartment under my name. if u noticed my previous complaint you will see the blocked company " XXXX XXXX '' tried to collect for XXXX and now " XXXX XXXX '' is trying to collect for the same blocked account.

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