vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: MN

Complaint narrative:
On XX/XX/2019 I stopped at an ATM machine outside a bank branch in a grocery store to make a deposit for {$1800.00}. The deposit contained a combination of checks and cash. After the machine received the cash it opened the sliding door to receive the checks and in the process of scanning them the machine froze. I waited by the machine until the screen changed and asked me the total amount of the deposit I was trying to make where I entered {$1800.00} and a receipt printed out detailing the error and instructing me to call the bank to file a claim. I filed this claim while standing in front of the ATM and detailed the deposit as best I could. After not hearing anything from the bank for 10 days I called to follow up since I had to borrow money to cover my bills and the interest was adding up. I was told it could take up to XX/XX/XXXX before I heard anything. Then on XX/XX/XXXX I checked my online banking and see a deposit for {$1800.00}, so I thought it was all done. However, this morning ( XX/XX/2019 ) I received a letter from USBank stating they have completed their investigation and my {$1800.00} deposit was being reduced by {$1100.00} and the debit would be made today XX/XX/2019. I called the bank again since the letter said I could get copies of any of the documentation used in the investigation and was told there was no documentation on my file, and the banker wasn't sure how that amount was derived. I was then told I could create a new claim which could take up to 45 days! At a loss I had them start a new claim and in the process was told to contact the bank branch manager since they may have more of the ATM information, or could possibly have the documentation referenced in the letter I received. After I finished the call with the banker I contacted the branch location and found that the manager has been out on vacation and the ATM machine is due to be counted tomorrow and has not been counted since my initial deposit date of XX/XX/2019. Meaning the bank hasn't even looked in the ATM to reconcile my deposit, but has decided my deposit was short {$1100.00} dollars causing me to have to borrow money and pay interest on that borrowed money from XX/XX/XXXX to the XXXX, and now again with no notice at all will pull the {$1100.00} from my account forcing me to pay interest on a credit line until the next investigation is completed. At this point I have no idea if my deposit is actually being counted or if the bank is just making up totals to see what I will accept as a loss. Meanwhile I'm paying interest on borrowed money while I wait for the next 'investigation ' which may or may not include actually looking inside the ATM to see if the cash and checks are there and adding it all 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 2019-04-03 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: EQUIFAX, INC.
State: KY

Complaint narrative:
I opened a loan with XXXX XXXX in XXXX Kentucky. It was not my first time borrowing money from this company and had a positive experience and on time repayment record with the lender. Shortly after I took out my second load with XXXX XXXX in XXXX of 2017, they were purchased by XXXX XXXX, in XXXX or XXXX of the same year. XXXX XXXX closed the office where I made my payments. They made no attempt to communicate with me the new payment location or how I was supposed to make payment to now a completely new loan. When a new loan officer called me, I was late on the loan, for that one month only. I paid the loan up immediately and ultimately paid off the loan early to avoid any other issues with the new lender. I have tried to resolve this issue with the lender several times. I did not change where I made my payments, I did not change my loan details, I did not close the office with no forwarding number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: National Credit Adjusters, LLC
State: NM

Complaint narrative:
National Credit adjusters call all day. Even at XXXX. I explain to them that I am asleep and this is inappropriate to call after such time. Not only that but they call from XXXX different numbers. I block all of them and they continue to call from XXXX of numbers. I have asked them to stop and to stop calling from random numbers while Im at work or asleep! They dont want to listen to me so Ill take my complaints elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Atlas Credit Company, Inc.
State: TX

Complaint narrative:
I got a loan with Atlas Credit Co., Inc. in XXXX XXXX Tx. I always made my payments but about 4 months ago my 7-year-old son was very ill. After about two months we found out he has XXXX and will most likely XXXX XXXX within the year. I can not afford to pay Atlas anymore. My son 's bills are killing me and I had a loss of time at work so I was not getting paid. I send a letter off to Atlas Credit Co., Inc. on XX/XX/XXXX to stop all calls and ask that I only be contacted by mail because I know I can't pay them back. I have told them this on the phone. They text me telling me they are going to come up to XXXX XXXX 's hospital to come to get money from me. I also have the text saved if I need to provide them. They call me three times a day they go by my home two times a week. I can a call today XX/XX/XXXX XXXX am after I know they received my letter because they send me a letter back. I can't pay them ... I told them to do what they need to do but at least stop all the calls so I can at least enjoy the little time I have left with my son.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Rosebud Economic Development Corporation
State: MI

Complaint narrative:
I borrowed XXXX from XXXX in XX/XX/2018.The interest on the loan is 720 %, which ends up being XXXX interest. I paid XXXX for the loan back already. I started to research the loan company to find that the company isn't legal in my state. According to my state I have to pay back the amount borrowed and principal which I have.

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 2019-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
On XX/XX/2019, an agent called from my mortgage company, Quicken Loans ( aka Rocket Mortgage ). He claimed that he wanted to see if there was anything we needed. I said I believed my loan balance to home value ratio met or was near meeting the criteria for removing private mortgage insurance ( PMI ). He didn't answer my questions about PMI, but took our information and said he would check into it. 

A few days later I received an alert that he ran a hard credit check, and I also found he started a loan application. I did not authorize a hard credit check. I also did not initiate, authorize, or want a new mortgage. I only intend to be in the house for another year or two, so it doesn't make any sense. 

I have communicated with the company multiple times. Their agent has agreed that it is not a good course of action, yet they persist in pursuing the bogus application for credit, and refuse to reverse the credit check even though I never authorized it. 

It feels a lot like what XXXX XXXX was doing -- creating bogus applications on existing customer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am filing a complaint about XXXX XXXX XXXX. They have not provided me with documentations showing and proving they are in Fact the owner of an account they have listed on my credit report and with negative or derogatory status. 

The validation letter I sent reads as such : I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for  proof regarding the debt that I owe and verifying it. I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. Please dispatch copies of the following with your reply : 1. The agreement which authorizes you to collect debt on the assumed debt. 2. The signed agreement from the debtor confirming to pay the debt. XXXX. The documents regarding the payments made on this account and validation of the amount. XXXX capital failed to validate this account. This account need to be removed immediately. XXXX capital system is violating the laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We used a Home Depot card to buy materials needed to fix up a house. 1st of XX/XX/2019 sent them a check for XXXX. It posted XX/XX/XXXX. Check our balance and we over paid the bill by XXXX. Called XX/XX/XXXX about over payment. Was told to call back next week. On the credit card web site sent a message to the credit card company to return the overage asap. Called XX/XX/XXXX was told it would be sent on XX/XX/XXXX.

Called XX/XX/XXXX and again asked for the overage to be returned. The person on the phone said I file a dispute and they can not return the overage. I told them I did file a dispute and the only thing I have asked for is for the overage to be returned to me asap. 
I asked for a supervisor and the supervisor said it would be mailed in 4 days. On XX/XX/2019 I  checked the account balance and they still have not sent the money.

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 2019-04-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
In XXXX, I left an employer and as a result, rolled over a lump sum distribution into an IRA account, set up by XXXX. The financial advisor at the time was XXXX XXXX. The retirement services company ( XXXX ) mailed the check directly to XXXX in XX/XX/XXXX, and I confirmed with XXXX that the check was cashed. 
Moving forward to XX/XX/XXXX, I am gathering up financial info for retirement planning and located the paperwork for this account. I attempted to call XXXX to roll this money into my 401K account. I discovered that XXXX went out of business. I called the XXXX financial advisor that I worked with in getting this IRA- XXXX XXXX ( who still lives in the area ) and he told me that he retired around XXXX and had no access to the records. He did say that XXXX was purchased ( around the same time ) by XXXX XXXX. I contacted several people at XXXX XXXX. They did a " nationwide search '' and could not locate this account. 
I contacted the State of Ohio to see if it would show up under " unclaimed funds '' and they had nothing. 
I need your help with investigating this. This account was a sizeable amount of money, which should have grown over the past 20 years. I am counting on this for my retirement. 
I am really hoping you can help get this missing account located for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
Please see my prior complaint # XXXX Reliant Capital Solutions LLC called my number about a debt that is not mine, and other agencies have failed to validate. A validation of debt notice was mailed to Reliant Capital Solutions LLC today. XXXX XXXX XXXX has also closed this case but it seems the debt was bought.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-03 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: Comerica
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian has not updated my Fraud Alert information they have not put my contact information on my report so in result I would like for it to be removed

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 2019-04-03 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: CORELOGIC INC
State: NY

Complaint narrative:
This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent

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 2019-04-03 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA
State: MN

Complaint narrative:
I recently looked at my credit report and noticed a new entry a charge off by PHEAA/AES/XXXX which I assume refers to a student loan I co-signed. This account was turned over to a collection agency XXXX, XXXX XXXX XXXX 5 years ago. I have been making monthly payments to the collection agency for 5 years. I have not missed a payment. How can this account be recently added and listed as a charge off?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Innovis
State: NY

Complaint narrative:
This company check my credit 5 time on 1 month adding to my credit 5 hard inquires with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: Credit Plus Inc
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I was a first time buyer property is FHA, Loan FHA {$330000.00} through loan depot. After all said and done with loan I noticed issues with the property that did not meet FHA guidelines. The # 1 rules for FHA is a heat source in each room. There is no heat source. The appraiser lied on his report, there has not been any gas on the property for 6 years so how could the heater work. Loan Depot also did not ask for the home inspection to verify that the property meets FHA guidelines. I have filed complaints in XXXX after doing my research with Loan Depot, FHA/HUD, the DRE and Real Estate Appraiser Bureau. Loan depot keeps changing there story that did nothing wrong, then anther rep states no we should of asked for the home inspection. I cant get direct answers from them but they insist they have done nothing wrong and will not help. FHA/HUD will not call the appraisal board to see that disciplinary action was taken against the appraiser but I called yesterday to have case reopened and investigated. The DRE is still investigating. I have been fighting this for a year now and no one will help but it is clear the FHA guidelines were not met and the property should have not been sold in the condition it is not meeting FHA guidelines.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Absolute Recovery Services, LLC
State: TN

Complaint narrative:
Absolute Recovery Services in XXXX, Tennessee has called at least 10 times a day, every single day. Will hang up and immediately call back. They have called my work repeatedly after being told I can not have personal calls at work. Today they called at least 6 times within 15 minutes, hanging up and calling back immediately. He got rude with the receptionist and told her he needed to serve me with a garnishment and needed the address. He then asked for my supervisor. Yelled at receptionist when she told them my supervisor said she could not discuss personal matters and told receptionist he had to talk to my supervisor immediately. They called back and got someone else who transferred to my supervisor. He told her he was trying to collect a debt from me and that he needed our address to serve me. She told him he could not execute personal service on company property. He argued with her even after she told him she's a manager and an attorney in our legal department. He then told her that he needs to serve a garnishment on me. There has been nothing filed with court. I have received one letter last week stating they were attempting to collect rent from my previous property management company.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low 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 2019-04-03 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: Consumer Portfolio Services, Inc.
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company.The check my credit 6 times on one month and they low my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: KY

Complaint narrative:
This collection agency ERC just put a debt on my credit report this morning for XXXX. I have not had a sprint account in almost 10 years. Not to mention they never reached out to notify me of anything just threw it on my report. This is not a debt that I owe and I want it removed NOW!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03 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: CORELOGIC INC
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 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 2019-04-03 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: Credit Plus Inc
State: NY

Complaint narrative:
I do not give any permeation to this company to check my credit reports and i never apply for anything with this company This company rum 6 times my credit on 1 month

Company response to consumer: Closed with explanation