vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
We purchased a home in XX/XX/XXXX and financed the home through US Bank. In XX/XX/XXXX we refinanced the home through US Bank. Every year US Bank fails to document the insurance we have for our home. It takes several phone calls, emails and letters. Every year. It just feels like a scam. 

This year they finally did it. They sent us a bill for {$8200.00} for mortgage insurance saying they never received a copy of the policy. Their letter is dated XX/XX/XXXX. We placed our Flood insurance at the end of XX/XX/XXXX through our insurance agent at XXXX XXXX XXXX. They confirmed they sent US Bank the required documentation by mail at the address requested. I called US Bank in early XX/XX/XXXX and was told they did receive all the necessary paperwork. On XX/XX/XXXX I received a letter indicating they had not received the paperwork. I called and got an email address and had our insurance agent email the documentation to the bank and copy me on the email. They next day I called and confirmed that US Bank had received the email. 

Today, XX/XX/XXXX, I received a letter from US Bank dated XX/XX/XXXX indicating that they purchased {$8200.00} in flood insurance SINCE THEY NOW CLAIM THEY NEVER RECEIVED DOCUMENTATION THAT WE HAD COVERAGE. THEY INDICATE THEY ESTABLISHED AN ESCROW ACCOUNT FOR US AND WE WILL HAVE TO MAKE ESCROW PAYMENTS TO COVER THE AMOUNT OF THE POLICY. 

This is nuts. They have no way for me to verify that they have received a copy of the policy other than to call. How am I ever supposed to trust this company? Do I have any recourse other than paying the {$8200.00}? My word against theirs? Why would I pay flood insurance twice? Nuts.

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: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have to existing Chase accounts, acct ending in XXXX reduced credit line from {$5400.00} to {$500.00} and Acct ending in XXXX reduced credit line to {$5400.00}. Reasons our decision was based on these specific reasons from XXXX. I spoke with XXXX all of my accounts are in good standing, no delinquency, public record or bankruptcy. Please see specific uploads, all reasons on adverse action letter or incorrect. There is no delinquency, public record, or bankruptcy or one or more revolving accts have a high balance compared to credit line. Payment amount above the required required minimum on some chase cards is low. One or more credit cards have a high balance compared to credit line

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 — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : I recently started the relationship with you guys and kept a stellar payment and I ' shocked that you guys marked it late. 

XX/XX/2018. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Citicards/VISA On XX/XX/2017 my card was fraudulently charged {$10000.00}. I called on XX/XX/2017 to dispute the charge but I receive no correspondence from the Citi cards whatsoever. I've called multiple times for information about updating the dispute/chargeback no mail was sent although agents of Citicards insured me many times that I will receive documentation. After months of attempts to understand why the charge is still my account in XX/XX/XXXX (! I I received the information without any warning that I failed to answer the mail ( which I never received because apparently something was sent only to my citi account mail, not even my email! ). I am out of {$10000.00} for fradulent charge which I never made. Please return my money as I haven't purchased anything and you are supposed to protect your customer. I am deeply disturbed by decision of Citicards to slash me with such a huge charge. I feel like I'm being discriminated because I'm foreign and I am preparing to get this issue to the attention of the media since I feel I wasn't treated with respect and seriousness of the issue. The supervisor of the Billing Department said to me that he didn't care it was {$10000.00}! Obviously there is something major going wrong with the billing department of Citicards. 
XXXX XXXX XXXX XXXX XXXX XXXX NY 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: 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies XXXX, XXXX and Equifax. Any question can call XXXX XXXX XXXX at any time. This research was conducted more than a year ago. Case Number XXXX Phone Fax XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
The account with XXXX XXXX has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies Portfolio Recovery account number XXXX amount of {$1000.00}

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 — Old information reappears or never goes away
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
XXXX XXXX this account is over seven years old and Synchrony bank still reports this account in my credit report. This account is too old please remove it from my credit report.

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: NV

Complaint narrative:
PLEASE SEE ATTACHED FROM XXXX THEY HAVE REMOVED THIS ACCOUNT AND EXPERIAN SHOULD DO THE SAME. EXPERIAN VERIFY THEIR BANKRUPTCY THRU XXXX AND XXXX HAS REMOVED HERE IS THE LETTER

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 — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: IL

Complaint narrative:
I was homeless during a period of time that my loans came into repayment. I was unable to receive mail during the time nor had the means to contact XXXX XXXX regarding my options to keep payments from being late. I was able later to reach out and I was sent in the information regarding me being granted retroactive deferment, however they refused to remove the late payments from my credit report. During this period of time there was no possible way for me to be able to make a payment or even get the information needed to make arrangements or find out my repayment options because I didnt have a address for them to send correspondence to. Now I am in a better place but my score is suffering severely from the way the information is being reported. I also filed a dispute with the XXXX in which the insisted it was unlawful for them to change the reporting status for this period of time. Now its hard for me even in a better place in life with a good job to even get accept for an apartment alone based on the negative impact the report has had on my credit score. They were willing to add remarks stating that they are in good standing, but it has harldly no impact on the damaging effects of the unfair reporting to the credit reporting agencies. Now that I have started my own family and have attempted to move forward in life, this holds me back in every aspect which makes it hard for me to progress from where I was completely. I cant even secure housing in a area that would offer my children better schooling options, because I am constantly denied do to XXXX impact on my credit score due to their reporting practices.

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 is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off 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 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017-30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
The account with Citi Bank has been declared not mine and documents have been sent to XXXX and XXXX and XXXX .XXXX has refuse to remove the collection from my credit report I have sent paper work proving my statement Debt agencies XXXX XXXX account number XXXX amount of {$1000.00}

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: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a credit card with Citi in XX/XX/2018, which is Citi Premier card. It says I would get XXXX bonus ThankYou points after I have spent {$4000.00} on this card within 3 months. Now I have met the requirement on time, but I haven ' t received the sign-up bonus yet. I talked to the representatives over the phone twice and tried to explained this issue but it is still not resolved. They told me that they will not give me the sign-up bonus because I have had this card before, but it was stated in the term when I applied for this card. I'm supposed to get the XXXX ThankYou Points bonus.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX This problem that I am presenting in this office comes from the year XXXX and in XXXX bring to the court to the company XXXX XXXX by reporters a payment of bad faith that was not made and that indeed if it was done. This case I do not know how long it can last in court but I ask that XXXX XXXX and my wife XXXX XXXX fix that account of the credit companies Experian. Any question can call XXXX XXXX XXXX at any time. I have more than one year to make the complaint and I never received a response. Case number XXXX Phone 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 2018-10-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
XXXX XXXX XXXX aquired Cabelas, including the Cabelas Club Visa account holders. This involved a handoff of accounts which they fumbled badly. 

I received my Cabelas Club Visa statement and mailed payment in a timely manner to the address on the payment slip ( XXXX, NE ). The payment was due XX/XX/XXXX and I mailed it XX/XX/XXXX. Generally payments mailed from my address in XXXX XXXX Missouri are credited in 3 to 5  days, but to this date ( XX/XX/XXXX ) the payment has not been credited and the check has not been cashed. 

I have called repeatedly and begged them to cash my payment and credit my account. Each time I get a different story about why they haven't done so and what they will do. 

This whole fiasco begs for a class action lawsuit against the banks that were supposed to handle the transfer. I know I'm not the only person who had a Cabelas Club Visa that was being transferred over to Capital One for the XXXX XXXX takeover.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
EQUIFAX Placed an Unauthorized Hard Inquiry on my credit report without my consent from " Factual Data Inquiry from XX/XX/2018 ''. 
I personally called the Equifax consumer support to remove this Hard inquiry as i personally have not authorized anyone to pull the hard inquiry. 
They irresponsibly reply that they can pull hard inquiry when ever they want and that the consumer can not do anything about it. I did specify that what they did is not authorized per the financial laws, and the customer support representing equifax did not see to care and I did ask them where do i file complaint against EQuifax and they casually replied do a XXXX search. They did not give me this website ( XXXX ) information. 

Please help to work with Equifax to remove the hard inquiry on my report as Equifax doesnt seem to care and playing hard to work with consumer.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Best Buy Credit Card Services debited my checking account an unauthorized amount of {$1000.00} on XX/XX/18. I called them on XX/XX/18 at XXXX to find out why. They advised me it was a promotional offer that had expired and that interest was added on to my account because I didn't pay off the promo rate. I believe this offer was misrepresented. I advised them that I only authorized them to take out a {$100.00} automatic payment from my checking account each month and I never authorized them to debit my checking account {$1000.00}. They advised me the payment was properly taken out of my checking account based on the minimum payment I owed. I was transferred to a supervisor. She advised me again the amount was properly deducted & that she would expedite a request to send back {$900.00} plus to my checking account in 3 to 4 business days. She also inquired if my address was correct. I advised it was not and I provided the updated address. She then stated that she would remove the interest and allow me til the end of the month to pay off the promo. She also advised she would remove the automatic payment. I called back on XX/XX/18 at XXXX. I was transferred to the Dispute department. I was advised : 1. ) the returned deposit to my checking account was not expedited & still scheduled to take 7 to 10 business days 2. ) my address was never changed like I was advised 3. ) most importantly, my automatic payment was not  cancelled on XX/XX/18 like I was advised ( which would have automatically been taken out again had I not called back ). The specialist on XX/XX/18 advised she would expedite the request to have the funds returned in 3 to 4 business days, she removed the autopay & updated my address. I called back on XX/XX/18 at XXXX to follow up. I was advised that the funds should be deposited in 7-10 business days from the original request date which would be XX/XX/18. I explained that I was advised on two ( 2 ) occasions that it would be expedited. The specialist I spoke to advised me there is no expedited timeframe & it takes 7-10 business days and the request is processed in the order they came in. I requested to speak to a supervisor. She advised me she is a supervisor. I then requested a copy of my automatic withdraw form to confirm that I only authorized a {$100.00} payment out of my checking account each month. The supervisor advised me there is no form because I either requested it online or via the telephone.

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
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: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have no knowledge of this debt. I'm requesting for a debt validation of this debt or delete the negative report off 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 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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Over the past several months I have requested that Experian provide proof of various issues i had reporting on my report. the latest report as of XX/XX/18 still states the mis-reported information as well as, a report from XX/XX/18, various mistakes in reporting are noted and pointed out and Experian updated the information that I had found wrong and then added to the time that it will remain, then inform me that unless i send a different letter that Experian will not look in to there mistakes. It is not fare no legal that due to there mis reporting and unable proof to provide the information i had requested for well over the allotted time needed. the accounts remain and more have been added. also various medical accounts appear as well and i know that is a HIPPA violation. I am not sure as to why nor understand the reasoning behind Experian unwillingness to admit there mistakes and remove the accounts and failed to accept my consumer complaint OR the INCORRECT ADDRESS was reported, EITHER a clear infraction of the requisite conditions of reporting which is to include ONLY TRUE, FAIR, ACCURATE, and COMPLETE COMPLIANT REPORTED DATA. In the LEAST, this item is NOT REPORTED ACCURATELY Surely it is, as such it is unlawful and mandates assert the proper resolution is to eradicate the deceptive reporting so delete today, here and now please. Wrong address was displayed therefore the reporting is DEFICIENT of legal standing to report and to retain is unlawful and a dereliction of adequate mandatory certified compliant reporting of allegations of delinquent and or derogatory consumer information, TRUE or NOT! I DO NOT DISPUTE the reality of the account reported YET experian refuses to REMOVE the claim I dispute it. PLEASE EXTINGUISH the " DISPUTE '' remark OR present regulatory requisites that suggests a mandate to retain a dispute statement OUTSIDE the consumer 's CLAIM of NOT DISPUTING. What gives experian, exactly, the RIGHT to retain despite an absence of consumer dispute or an authorization from consumer to suggest it is in dispute? CERTIFY the nature of any CURRENT DISPUTE or else eradicate. It is UNLAWFUL for any entity in credit to be deceptive or unfair. CLEARLY this is experian misbehaving illegally and must act to remove a claim of Ail

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: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Conn's, Inc.
State: TX

Complaint narrative:
My information was used to open a fraud account with Conns Credit Corp. for the amount of {$1400.00}. I submitted a police report, FTC report for Conns Credit and XXXX. I have been disputing this since XX/XX/2018. XXXX and XXXX   have deleted this claim with all of my proof but XXXX is not cooperating. Please see attachment to support my claim.

Company response to consumer: Closed with explanation