vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I closed the above Credit Card accounts with US Bank a few years ago. They have held the balance of my funds in one or more of those closed accounts plus interest to date and have refused to refund my money to me. I am aware of {$3.00} in one account alone in which they mailed me a check then stopped payment on it causing me 5x the amount in bank fees by my new and current bank that the check was deposited into. I believe this was done intentionally and maliciously in retaliation for my filing a complaint against them in the past.

I received a letter dated XX/XX/XXXX from US Bank followed by a check in the amount of 13 cents re : interest and/or fee adjustments on dispute or fraud claims I filed against them with the past 8 yrs. This was only for the account ending in XXXX ( see attached. ) I WAS NEVER PROVIDED ANY INTEREST/FEE ADJUSTMENTS ON MY OTHER US BANK CHECKING ACCOUNT.

THIS IS UNRELATED TO MY CREDIT BALANCE IN ANY AND ALL OF MY CLOSED ACCOUNTS.

XX/XX/XXXX I phoned US Bank Cardmember services. I spoke with the representative who transferred me to her Supervisor XXXX. I had to go over the story twice, asking that they refund me any and all funds I have in any and all of the three closed credit card accounts with them.

He claimed they had issued me a check on XX/XX/XXXX and despite the fact US BANK stopped payment on the check and it was returned to them ( causing me 5x the amount in bank fees! ) whereby I NEVER RECEIVED MY MONEY, he stated US Bank had deposited my money into my other closed credit card account and he refused to refund my money! He also refused to provide me with his Supervisors name and refused to allow me to speak with his Supervisor. I spent 41 minutes on the phone only to be run in circles.

I am a senior citizen. US Bank should be forced to turn over my money to me plus interest and be penalized by their governing agency for THEFT. Thank you.

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 2019-08-13 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
When applying and subsequently being approved for my XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, I opted into an " Easy renewal '' program or feature of the card. It was disclosed to me in the terms and conditions of the card that enrollment in the program would offer an annual {$10.00} discount on the XXXX XXXX membership. I have not received this discount. Upon initial inquiry in XX/XX/XXXX, I would told that the program takes a full calendar year to go into effect. I inquired again this year prior to my XXXX 's membership renewal and was told that the program was discontinued on XX/XX/XXXX. This was never disclosed by the business. I am attached part of the terms and conditions furnished by the business in person at its XXXX XXXX, NJ location. Please see highlights on page three. The business has subsequently failed to remedy this issue or comment as to why or how it provided false terms and conditions and further place me on proper notice of the program change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CA

Complaint narrative:
XX/XX/XXXX I sent all requested documents to XXXX XXXX and Equifax stating that I was a victim of identity theft also I opened a dispute with both XXXX XXXX and Equifax. This account has been deleted from both XXXX  and XXXX but it's still reporting in Equifax. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX diagnosis.

I've also completed and faxed the ID Theft Affidavit to XXXX XXXX XXXX on XX/XX/XXXX. I have not received a response or updates on the status of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: CITIBANK, N.A.
State: NC

Complaint narrative:
This complaint is not a duplicate tied to complaint XXXX. Dear CFBP I am filing a complaint against CBNA for failing to remove an unauthorized inquiry on my XXXX  credit report. I mailed and faxed them a letter nearly two months ago and they still have no responded. I am requesting that they remove this illegal unauthorized inquiry they made on XX/XX/2018 that had neither my permission or any permissible purpose under the Fair Credit Reporting Act. They did not provide a signed application as required under section 604 of the Fair Credit Reporting Act so an FTC identity theft report could be filed.

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 2019-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AZ

Complaint narrative:
XXXX XXXX I applied for a XXXX FHA construction loan w/XXXX XXXX XXXX XXXX, to date, Ive provided ALL required docs within 36hrs. 
XX/XX/XXXX thru XX/XX/XXXX we are starting over again & again & again costing me for triplicates of bank statements & cancelled checks, doing duplicate appraisals, and more- all this due to the 9 months application period, the costs to me are horrendous & XXXX XXXX just started over again- HELP This application IS simple & straight forward! 
I earn XXXX from solid source I have XXXXmortgage I have XXXX XXXX in assets & I have NO DEBT XXXX speaks as-if its complex but it is not! 
I have an appraisal from XX/XX/XXXX, XXXX says its too old & a different appraiser-FHA RULES per XXXX. 
There is too much to list here! & still no loan, EVERYONE Mortgage people, insurance broker, & many more have said this is NOT NORMAL PROCESS I dont switch because it will hurt MY CREDIT SCORE! 

XXXX is hard to reach per other providers including underwriting ( when XXXX didnt send any of my required, provided data ) I really need help, this is an incredible financial hardship. Thank you XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
The original creditor had a judgement posted against myself, but the judgement was then moved to another person 's name via the state court system. I had an attorney contact their lawyer and provide them with paperwork stating the debt was no longer in my name in XX/XX/XXXX. On XX/XX/XXXX of this year, I receive a notice from a debt collector still trying to collect the debt. I sent a certified cease & desist letter to the debt collector today ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Allowed XXXX XXXX to report false information. Acknowledged over the phone that an account went down by {$76.00} and then went back up for no reason, allowed them to remove, then place back on my report, accounts that are paid in full and closed. You do not seem to mind that a company trashes someone's credit with lies. You make it very difficult to remove false info because you only ask the reporting agency and do not require them to prove 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 2019-08-13 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: ARVEST BANK GROUP, INC.
State: AL

Complaint narrative:
Arvest bank is reporting an account on my credit that is not mines

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: BARCLAYS BANK DELAWARE
State: UT

Complaint narrative:
Barclays Bank Delaware is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

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 2019-08-13 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I logged onto Frontier Miles website to use my XXXX miles towards a hotel booking. The website will not allow me to use the max of my earned miles to book ( there is a scroll bar that allows you to modify amounts, but this scroll bar isn't working at all ) I don't want to pay cash when I have miles. At least as little of cash as possible. So far I have used different browsers and come to the conclusion it is not my computers or Ipads. The first rep advised she can do it on her side and offered to login for me. I provided the password, she fiddled around for a good 10 minutes then hung up on me. The second rep/supervisor ( XXXX ) advised that there is no longer offers for a booking of a hotel for miles. BUT it's clearly an option on the website to use. Otherwise, this is false advertising! I've earned these miles. They could not escalate and advised they said they will forward to customer service or a call back from a manager named XXXX. Nothing! This is an emergency trip! I need to book ASAP.

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 2019-08-13 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I'M LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I've requested a refund of overdraft fees totaling {$610.00}, was denied, these fees stem from accounts that were opened as a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need or want. The amount I request includes prior payments received in the amounts of {$50.00}, {$120.00} as well as {$85.00}, these amounts were sent as remedy at the time, do not cover total fees. Prior complaints were made, not resolved, a mediation request also sent in ... XXXX XXXX contacted me in regard to mediation request, a settlement amount was offered and agreed upon, however, no payment received to date. Again, I request a refund of remaining fees which total {$610.00}, a copy of statements reflecting this amount was provided in prior complaints, Wells Fargo can refer back to these if need be. Failing resolution in form of refund, an attorney will be forwarded my statements showing Wells Fargo uses such tactics as posting items highest to lowest in order to charge overdraft fees, other tactics as well.

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 2019-08-13 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: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

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 2019-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX is reporting a debt I no longer owe. This is paid off and it is past the statute in NC and I would like for this to be removed off of my credit.

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 2019-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BROKER SOLUTIONS, INC.
State: OR

Complaint narrative:
This complaint is against New American Funding ( AKA Newamerican Funding ), whose address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX I have a mortgage loan with them which requires monthly payments of {$500.00}. 
On XX/XX/XXXX, I wrote a check ( No. XXXX ) in the amount of {$500.00} to Newamerican Funding for a loan payment due on XX/XX/XXXX. On or about XXXX, XXXX, a representative from Newamerican Funding called to inform me that they had not received the XXXX payment. I told them about having mailed it on XX/XX/XXXX, but they said it had not been received. In order to avoid late charges, I immediately made payment via debit from my checking account. I then asked what would happen if the check was eventually received. They said it would be credited toward principle on the loan. I said I did not want this and recalled them saying I would have to put a stop payment on the check ( Newamerican claims they reviewed the recording of the conversation and that the agent never said anything about placing a stop payment on the check. However, Newamerican refused to provide me with a transcript of the tape and refused to provide the name of the agent I talked with ). 
On XX/XX/XXXX, I placed a stop payment on the check to make sure that if it was stolen, it could not be negotiated. However, on XX/XX/XXXX, Newamerican wrote me that my most recent loan payment had been dishonored by the bank for a stop payment and that they were charging me a {$25.00} fee. Apparently the payment had shown up, and despite my discussion with Newamerican, they cashed it. IT IS IMPORTANT TO NOTE THAT NEW AMERICAN FALSELY STATED THAT THE CHECK WAS A LOAN PAYMENT. In fact the required payment had already been made and nothing was due until XX/XX/XXXX. 
On XX/XX/XXXX and XX/XX/XXXX I contacted Newamerican about the unauthorized {$25.00} fee. The most recent conversation involved agent XXXX XXXX and Supervisor XXXX ( refused to give last name, said his code was XXXX ). Both claimed that New American did not authorize a stop payment and that I had to pay the fee. 
Newamerican was not authorized to cash the check lost in the mail and was not due any money on the loan. Despite this, Newamerican knowingly and deliberately placed me in the position of having to pay late fees or stop payment fees in order to obtain funds they were not entitled to receive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: AK

Complaint narrative:
Back in 2003 I was attempting to apply for an auto loan and I was working at the City of XXXX at the time, the only odd company I divulged my personal information out to was XXXX XXXX shop and I found out that their main office is located out in Florida. After this happened I was denied an auto loan from the local banks. I started receiving past due bills from stores I have never heard of XXXX, we do not have a XXXX in Alaska. Stores with this type of names were unknown to me, and other bills that had a billing location of address out in Florida, I reside in Alaska. 

The only other encounter that I ever had was when I had co-signed a loan with a family member, and I will never do that again, because they had given the car to their other in-laws and the payments went into default so this happened for a few months, I immediately went to the bank and paid 3 months of back due loan payments for something that was not never in my possession, so I gave that approximately $ XXXX {$2000.00} out for free?!!? 

It has been well over 25 years now and I had records of clearing this with Federal Bureau of Investigations ( FBI ) way before this website was developed. I had to file a police report ( s ) either with the FBI or local Florida police and kept telling them the address ( es ) because this person who stole my identity was moving and relocating and continuing to destroy my credit history. 

I was told that anything beyond 7 years is cleared history of financial downfalls by the bank industry. Correct me if I am wrong, but this is what was told to me. I have re-established all of the credit history and have had problems and been overcoming them all.

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 2019-08-13 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: UT

Complaint narrative:
XXXX XXXX is reporting a collection that is not mine. It belongs to someone named XXXX XXXX who I have no relation to. My name is XXXX XXXX and this collection was placed onto my credit report in 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 2019-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I was able to get the public record on my transunion credit report removed because they lied about who was the data furnisher, now I called them and told them that I wanted to dispute the accounts that were included in the public record because the public record isnt present any longer, first I spoke to some female who after I spent 40 minutes on the phone with giving her all the account names and account numbers, she tells me that their system is having an error and that she couldnt help me so she decided to transfer me to another guy who started telling me that there is a statue of limitation for these accounts. I know the law and I know what the FCRA says about credit reporting, everything on my credit report needs to be reported accurate 100 %, there cant be any errors on my credit report, I want these accounts removed from my credit report because there is no bankruptcy on my credit report any longer and they are being reported inaccurate. How is it possible that after I gave this female all of the information, she tells me that there is an error with their system, I will do my best to get this problem resolved even if I have to file suit against transunion for defamation of character. I feel upset at the fact that this company needs to lie just because they dont want to delete information from my credit report, even when they know that the information is being reported inaccurate. I will also contact the attorney generals office where I live, me as the consumer have a right to dispute inaccurate information and the FCRA allows me to do so. Delete the following accounts immediately. 

XXXX  XXXX XXXX - Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Account Number XXXX XXXX  XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXXXXXX - Account Number XXXX XXXX - Account Number XXXX XXXX   XXXX - Account Number XXXX XXXX XXXX - Account Number XXXX XXXX XXXX - Opened XX/XX/XXXXXXXX XXXX - Account Number 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 2019-08-13 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:
I have called Equifax several times. They will not update the information provided, Equifax keeping saying information is valid. I have mailed several letter in.

Company response to consumer: Closed with explanation