vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
Step 1 : What is this complaint about? 
fraud or discrimination or both Step 2 : What type of problem are you having? 
bank asking for personal information, ssn, when making a deposit Step 3 : What happened? 
XX/XX/2018 I went into usbank to deposit money into my sisters account. 
The teller said he needed my ID and I can only deposit upto XXXX. I gave him my ID and XXXX. He started inputting info into his computer. Then he asks me for my social security number. I asked why, he said it was their policy. I didnt understand this, as he already had my drivers licenes. So I called my sister to tell her what her bank was asking for and that I am not going to give it to them. While on the phone with my sister he then asks for my annual income and occupation. I said I am only making a deposit, I am not asking for anything else. The bank teller said it was policy. I then took my money and left. 
I feel as if the bank teller was either being discriminative or he was tring to open some kind of fraudlent account. 
A couple days later I contacted usbank on XXXX, I asked what their policy was on a non accouny holder depositing money for an account holder. They replied, I would have needed the acctount number, which I had, and that it can be upto XXXX. 
I then replied to them what happened at one of their branches. They then changed their story and said that the teller can ask for anything they want. 
My sisters called the customer service line and were told that the teller should not ask for any of that information when someone is making a deposit and to call the local branch. 
So here I am, writing a complaint hoping something will be done about this bank treating people like they are criminals or being a criminal them selves and getting away with it. 

Step 4 : What company is this complaint about? 
usbank

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 2018-10-24 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: TN

Complaint narrative:
" " '' I have disputed this this Charge off XXXX XXXX XXXX XXXX XXXX for months.XXXX  and XXXX  have Deleted them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

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 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XXXX XXXX I wrote a check to XXXX XXXX XXXX for $ XXXXand on XXXX XXXX one for {$30000.00}. XXXX XXXX construction never received these checks. 

The checks were stolen by XXXX XXXX  XXXX XXXX. a non- employee for XXXX XXXX XXXX . He deposited the {$72000.00} into his personal account at Chase Bank. The bank should have never allowed the deposit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX . 
XXXX, Florida XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I opened an HSBC Advance Checking account with a bonus promotion code of XXXX. This bonus promotion code stipulates that I would receive {$350.00} after meeting some conditions which include : Deposit {$10000.00} within 30 days of account opening and maintain {$10000.00} for 90 days. Also included in terms is that HSBC customers who held an account between XX/XX/XXXX and XX/XX/XXXX would not be eligible for this promotion. I can confirm that my previous HSBC checking account ( Choice Checking ) was closed on XX/XX/XXXX, which makes me eligible for this offer. I can also confirm that the initial {$10000.00} deposit was completed on XX/XX/XXXX and was kept for 90 days, well past XX/XX/XXXX. I have not yet received this {$350.00} bonus promotion. I have attached the terms of the offer. 

After contacting HSBC, they can not determine why I have not yet received the promotion. I have contacted them multiple times and each time no representative will escalate the call and constantly say " They have opened a ticket and will follow up '' with no follow up calls. Extremely poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX  XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them 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 2018-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 from XXXX XXXX XXXX. already put dispute case with Bank of America and email and called merchant before even working with thr bank for dispute chargeback might get reversed. Already have a repayment plan agreemrnt directly with XXXX my student loan server with Department of Education. Was told to notify my bank of scam activity. Which I did open dispute claim.

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 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN

Complaint narrative:
I have a loan with Pennymac Loan Servicing, I have not ever missed a payment. Each time I call they tell me that I am missing a months payment, I have contacted them several times and they can not tell me where the breakdown is, and I have also sent in bank statements, and letters on bank letterhead stating that ALL of my payments have been made and not one has been returned unpaid. I need assistance with this issue. They are reporting that I have missed payments every month, and late charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
I received an email from Experian on XX/XX/XXXX informing me that the regular XXXX credit monitoring service is being raised to XXXX. My next billing date is XX/XX/XXXX so I emailed them back ( XX/XX/XXXX ) to cancel the service. I have received no response as of XX/XX/XXXX so I called this morning, ( XX/XX/XXXX ). Upon calling I had to enter numerous pieces of info to be authenticated ( SSN, address, DOB etc ) at which point I was told I had no account to cancel and the automated system hung up on me. 

I tried numerous additional times to cancel and each time failed to either a ) have the account canceled or b ) to get through to an agent to cancel the account manually. After almost an hour I decided instead to contact my credit card company ( XXXX ) and have them do a merchant block, which they did. 

After searching online it is apparent than canceling with Experian is VERY difficult if not impossible.

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 2018-10-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Progressive Financial Services, Inc.
State: CA

Complaint narrative:
This company called me stating that I owed money to a hospital that I did go to, however I had shown that hospital my insurance documents, so they are sending a fake scam debt collection to me. Not only did she not try to work or apologize when I had that information, she then proceeded to find another debt at another hospital. This tells me that this company, XXXX XXXX XXXX XXXX is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
Experian cancelled their XXXX app called XXXX XXXX with no warning but continue to bill for the service. You can only cancel by phone and the number is fully automated but does not recognise that i have an active membership. Both Experian website and bank statement show I do. Attempting to cancel through the social media team but am getting the run around and they are attempting to sell me on new upcoming services. I have already been charged for a service i could not receive i want to cancel my membership with 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 2018-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: KY

Complaint narrative:
I get repeated calls each day for a few yeas now, from Transworld Systems, no debt owed, they want payment over the phone to get my card number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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: UT

Complaint narrative:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them 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 2018-10-24 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:
INACCURATE INFORMATION SHOWING UP

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 2018-10-24 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: TN

Complaint narrative:
I have disputed the late payments on this XXXX, XXXX & XXXX  XXXX account for months. XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX  on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was informed in XX/XX/XXXX that my name was involved on a mortgage document ( concerning forgery and fraud ) regarding a Wells Fargo mortgage account. XXXX XXXX XXXX had completed a refinance of her mortgage in XX/XX/XXXX. I obtained a copy of the document from public records and it did show that I was " a witness '' to her signing for her refinance. I was appalled and shocked. This individual was a former colleague and had all my personal information to include my social security number and drivers licenses. I notified the bank Wells Fargo in XX/XX/XXXX that this was not my signature and I had no idea who the notary was. Looking at the signature it was obvious that I did not sign the document. The printing of my name was done by XXXX XXXX but the signature was not mine on the document. I received response form Wells Fargo in XX/XX/XXXX stating that this WAS my signature. I responded to the bank asking to show me the documentation they had to prove why they determined the signature was mine. I was informed that they closed the case and I had no return phone calls back. On XX/XX/XXXX I called the bank to speak to a supervisor and once again had no response. I send in a written request for documentation and referred to my signature on a mortgage that I obtained with the back in XX/XX/XXXX to compare the signatures. No response. 
The notary XXXX XXXX was also an issue. I have no idea who this individual is. When I looked her up, her identification data was incorrect on her stamp. The state of Florida confirmed that her identification was XXXX not XXXX on the stamp. The stamp on the document was incorrect.. I notified the state of Florida regarding this issue and discrepancy. The legal department for notary is reviewing this issue. 
My identity was used to defraud the bank and my name was forged on the document with out my permission by the above individuals. I am appalled that someone would take my identity and use it on a document for they're own gain. I am very disturbed that Wells Fargo is " pushing this out of the way ''. I am a customer with this bank also and find this act disturbing and disgraceful especially with out any real answers. XXXX did sell her property in XX/XX/XXXX and she has now obtained an additional loan with Wells Fargo in XX/XX/XXXX. Really?? it is OK to allow individuals to commit forgery and fraud and allow them to continue to bank with this institution?

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 2018-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Dear XXXX, This is XXXX XXXX, my family is a victim of wire transfer fraud ( more than {$120000.00} ) in  Wells Fargo on XX/XX/2018. The fraud wire transfer was on Monday morning XX/XX/XXXX. We discovered the fraud on Wednesday XX/XX/XXXX. The name and the account number do not match in the wire transfer. However, Wells Fargo still released the fund to fraud account on the same day of the wire. After we reported fraud to Wells Fargo, they have not provided any information we demanded and they have not released any information to us. The money was the downpayment for buying our first house. Please help us!! Wells Fargo is just saving the time for criminals to steal our money which we have been saving for a lot of years. The contact in Wells Fargo is : XXXX XXXX, phone : XXXX. Please help us!! It has been 1 and half months since the fraud happened. However, Wells Fargo has not provided anything to us about the fraud. What they are doing is just to cover their mistakes and protect the criminals.

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 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I made a purchase at XXXX XXXX and charged it to my card ( XXXX ) ( SEE ATTACHED DOCS ) which explains the issue. I never asked, authorized, or opened another XXXX card ( reporting on my credit as XXXX but somehow Citi owns it ). That XXXX account 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 2018-10-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Equitable Acceptance Corp
State: TN

Complaint narrative:
In XXXX, 2015, I replied to an advertisement on XXXX about lowering my student loan debt. The advertisement was initially from XXXX XXXX. I then learned that a company called Equitable Acceptance Corporation would be servicing my loan and making the payments to XXXX XXXXXXXX XXXX on behalf of me. Ive learned that Equitable Acceptance has not contacted XXXX XXXXXXXX XXXX, and is taking money from me that does not benefit me. I have made payments to Equitable Acceptance for over 3 years. XXXX XXXXXXXX XXXX has told me they NEVER require students to pay another company to help with lowering interest rates and monthly payments. I have learned that there is a class action lawsuit against Equitable Acceptance for fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
In XXXX of 2017 Bank of America closed all of my checking and savings account due to fraudulent activity. Someone contacted me in reference to a loan the person or company deposited several strange checks into my account by accessing my online banking I had no idea this was being done until the day after I checked my account and was able to see the images of the checks. When I seen that they had other people 's names that I did not recognize on them and written out for things such as Rent and bills I called Bank of America immediately to find out what was going on. They informed me that they were going to investigate and find out how to this happened and where it came from. they never did contact me but when I did contact them to find out how the  investigation was going they told me they were deciding to close my accounts I assumed it was for my protection being that this person had my banking information. Now this year I later find out the account was closed based on fraud on my behalf I'm guessing since it is in my report, when I was the victim. I would like something to be done about this because it is reporting to other agencies as if I have committed acts of fraud which I have never been a part of. Also I did have the feature to protect me from fraud attached to all of my accounts that I paid an additional fee for. This information should be reinvestigated and removed from my reports the information is false and defamation of my character.

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