vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX approximately XXXX XXXX  I tried to deposit {$800.00} into my XXXX   checking account XXXX had in the past made such deposits through a US Bank at a other locations. the atm machine had taken the {$800.00} cash deposit when I hit print to get a receipt for the transaction the machine return most of what i had given it, but {$140.00} was missing, it was stuck in the atm, I went to the branch manager explained what had happen, he told me I had to file a Regulation E claim with my bank for an investigation to take place. So I have contacted customer support 3 times as of this writing with no help. To be honest they should have a ob in the banking industry when they know so little about rules and regulations. I'm asking XXXX XXXX  to use this regulation E to reclaim my lost money from the atm machine at that location. Here is the following information including a link to US Bank Regulation E procedure, the machine number is XXXX, this transaction took place about XXXX XXXX  on XX/XX/XXXX as stated earlier form using my card number ending in XXXX. Im asking XXXX XXXX  to do there job in helping me in recovering money that was taken. below is my name address phone number and a link to the US Bank E Code Regulation Im asking for XXXX XXXX  to do recover my lost funds ... thank you have a great day.. 



To whom it may concern : The above is the email I sent XXXX XXXX  My Bank, XXXX XXXX  says they have no record of this incident, U.S. Bank whom the compliant is about since it happened at the branch location they are the owners of the atm machine but it is serviced by a third party company they were the ones who instructed me to have XXXX XXXX  do an e regulation investigation into this missing un returned cash lost in the U.S> Bank atm machine they own. I'am asking for an investigation into my lost money of {$140.00} In U.S. Banks atm machine here is there information : XXXX XXXX XXXX Branch XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX The Atm Machine Indetifier at that location XXXX My home address and ph number XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has fees of {$110.00} to {$600.00} and allowing Financial Institutions debiting my checking account.

Bank of America placing excessive fees of {$35.00} I am respectfully XXXX Lifetime and Retired and on fixed XXXX income.

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 2020-02-04 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: AR

Complaint narrative:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report.

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX/XXXX  XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}

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 2020-02-04 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: AR

Complaint narrative:
I was receiving bills from a collection company. I wondered for days why I received this collection bill twice, if I knew I did not owe anything. I got onto XXXX XXXX and saw I was sent to collections as well. I took action and pulled my credit report on identity IQ. I am  extremely shocked with these items on my report that I have never opened. These accounts do not belong to me. Please remove these items from my report. 

US DEPT OF ED/XXXX XXXX {$71000.00} XXXX  XXXX XXXX XXXX XXXX {$130.00} XXXX, XXXX XXXX {$380.00} XXXX   XXXX {$0.00} XXXX XXXX XXXX {$1500.00} XXXX   XXXX {$990.00} XXXX XXXX XXXX  XXXX {$160.00}

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 non-monetary relief
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Disputed two bankruptcy 's on my credit report on XX/XX/2020. Experian did not explain how they received this incorrect information due to the fact that courthouses do not provide this information. If a third party vendor was used, this information is incorrect and not validated. I have written confirmation that the Court did did provide the information.

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 2020-02-04 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: NE

Complaint narrative:
On the dates of : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I spoke with several representatives for XXXX XXXX regarding the derogatory listings on my credit report. After fully investigating, they have found no evidence of these listings. 
All they can tell me is to dispute it with the credit reporting agency, I have attempted this twice and have not been successful.

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 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Ive repeatedly disputed a chapter XXXX bankruptcy case with Equifax because they are reporting information that has not been verified and is being wrongfully reported as this case does not belong to me. It belongs to an ex spouse. I would like this Ch. XXXX bankruptcy to be removed from reports immediately since they have failed to verify me as the responsible party. The only thing that they have done was update the bankruptcy as closed /dismissed but the responsible party information was never verified and the bankruptcy still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmerAssist A/R Solutions, Inc.
State: MD

Complaint narrative:
I was a customer with XXXX  and I first order just a impression kit on XX/XX/2019. That was just to see if I would be a candidate for the XXXX XXXX for my XXXX. I didnt sign any documents at that time. I just entered my basic information and made the payment of {$49.00} for the impression kit. After going through the process, I had to go to a location to have my XXXX XXXX. At that time I was asked to sign if I wanted to fast track the production of my XXXX. That was what I approved. The production of the XXXX. When the XXXX  arrived and I began the process, I realized that I didnt get a finance agreement. I paid the initial {$250.00} deposit online myself. I never received a finance agreement with the terms, percentage rate or length of the loan payments. I went online and was directed to a website for the company financing the XXXX. XXXX XXXX. There I discovered that a finance agreement had my electronic signature on it. I never signed a finance agreement with XXXX XXXX XXXX, up until now I never knew who the finance company was. I never knew about the terms, interest rate or length of the loan payments. And it was dated XX/XX/2019. I wasnt with XXXX at that time and never e signed anything with either party. I called the finance company and was told that the contract was sent to them already signed from XXXX. I then called XXXX and no one there knew why it was signed. I thought it to be fraud and I told them so. Several request were made for a manager from XXXX to contact me, that was last year XX/XX/2019. I was never contacted by anyone from XXXX or XXXX XXXX XXXX. 
Instead of XXXX XXXX trying to resolve this issue in good faith, they sweep it under the rug and sent my account to a debt collection agency. The debit collection agency is AmeriAssist. I contacted them to explain the situation to several members of their team only to be basically told, Tough luck, we understand what your saying but you still have to pay. AmerAssist then sent the account to XXXX  and my credit score dropped by 15 points. Now my credit has been impacted for no fault of my own because of unscrupulous people. Amerassist continues to ignore my complaint and insist on calling me daily. I dont have any finance agreement with XXXX XXXX XXXX. So I dont owe them anything. They had months to clear this up. They are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: AR

Complaint narrative:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}

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 2020-02-04 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: AR

Complaint narrative:
My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and picked out the car I wanted for her I had to get my credit report pulled and there was a list of things I was not familiar with. None of these things listed on my report is not mine. Could you please remove these items listed. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX XXXX  XXXX {$150.00} XXXX XXXX XXXX XXXX   XXXX {$140.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$150.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$130.00}

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 non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
Called from XXXX say that they were a process server and we're attempting to serve me for a lawsuit on behalf of 5/3 bank. They gave me this this phone number XXXX. I called and talked to XXXX and I he sent me documents from XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX # ( XXXX ) XXXX. I set up a payment plan but now I can't find any information on the firm and when I search the address nothing shows up.the debt is no longer on my credit report. I've not received any mail from them and I think I've been scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: OR

Complaint narrative:
Initial date of contact withXXXX XXXX with afncorp ( American Financial Network ) in XXXX XXXX, Oregon was XX/XX/XXXX FHA Loan amount {$320000.00} A letter of approval for a FHA loan was submitted by XXXX at AFN, stating that I had been approved for the loan, all my records were reviewed by underwriting, and even my short sale of XX/XX/XXXX was approved, and we were good to go with loan proceedings. 
The only reason I proceeded with him and his company was the initial approval letter. If you speak to my realtor, he will have more stories that ended in deception other than mine. 
An offer was placed on a house, a price was agreed at XXXX. I was putting 45-50 K down. 
Each step we took in the process, we were told that we would fine that " we would never be this far in the process if underwriting had not been given the original approval ''. 
We had a 30 day escrow, I was to move and start a new job, 2 hours from where I resided at the time of original contact with XXXX. 
We lost {$2000.00} of earnst money due to we were told all was good, after having to push escrow out a few times. 
After many weeks of damages from the lender, and storage unit payments/comittments /work notices, home notices where I was moving from, a {$30000.00} student loan that was paid off ( Underwriting stated we could move forward once we showed that it was paid. This loan was in default and was on the credit report originally, we were told in the beginning it would not present a problem with underwriting, they were well aware of all issues ). 
Several events took place, the day escrow was to close at XXXX XXXX  on XX/XX/XXXX, we were notified by XXXX XXXX, a manager from the same company, that underwriting had declined our ( my ) loan. 
A home insurance policy was purchased, several hoops were jumped through, all of them documented, the area I was moving to had zero rentals, home appraisal paid for, home inspection paid for, septic inspection paid for. 
We ended up getting the house, closed escrow XX/XX/XXXX, we had to pay {$370000.00} due to agent wanted nothing to do with us, due to all the deception, none of which we caused. 
The loan at this time was obtained by my partner, a XXXX  XXXX Vet., He carried papers for me. ( FYI ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Advance America, Cash Advance Centers, Inc.
State: CA

Complaint narrative:
Advance America debited my checking account with XXXX  XXXX XXXX ending # XXXX on wrong date and a sum of {$230.00} has a negative on my account with charge fees of {$35.00}. 
I am respectfully not able to pay the full amount of {$230.00}, but l can start a payment extension and payment plan with Advance America to pay payday loan. 
Also, the fees are very high on payday loans and interest over 45 %. 
I am respectfully XXXX Lifetime and Retired and a XXXX XXXX Honorable Military Veteran and on a XXXX fixed income.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: MN

Complaint narrative:
This was part of a class action lawsuit. This debt is reporting information that is not accurate and or account is too old to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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: Rocket Mortgage, LLC
State: FL

Complaint narrative:
Quicken loans has tarnished my fico score from their own doing! 
So, with being told in XXXX that there is no need to make this payment and that if there was, they would just withhold the amount out of payment out of the cash we were pulling out. And " this is what they do ''. In the same manner as they treated us the entire relationship, we were lied to and misled many times. The loan fell through after XXXX long weeks into late XXXX. One hundred percent, Quicken loans misdoing. So, XX/XX/XXXX give or take was the date of this conversation. Fiance heard the whole thing as it was on blue tooth speakers. They, unbelievably, told me 3 days before 30 days late that the loan fell through due to their incompetence to see early on they couldn't accept a commission based income. It took the bank three days to undo the stop on the payment thus this ridiculous stab on my fico score. Ive called many times, same runaround. Emailed XXXX XXXX CEO. Nowhere. Two " executive mangers " ( can name them ) just cryed with me with no resolution in mind. 
So, with such a low fico score from the coals I was drug through with this experience, Im finding it hard to be approved elsewhere. Thus, making my apr to be higher with non-prime loans. It is in my immediate future goals to get away from Quicken. They made this impossible. They make you feel like you need to prove to them this conversation existed, instead of them proving it wasn't. 
Just unbelievable what happened here. 
Much more happened with this company that would turn your stomach. 
Too much to wright but have ALL the emails. 
# help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I had the fraudulent transactions on my account and they refuse. To give me a provisional credit available to me to make purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a problem with Transunion. I was recently denied a HELOC loan based on my Transunion score. My score dropped by 54 points on XX/XX/2019, although there was no negative information reported on my file during this time. The Transunion representative ( XXXX ) could not explain the drop to me, except to say that it was automatically done by their computer. These credit bureaus are a racket. It is difficult to get an agent on the phone who speaks clear English, after their persistent attempts to sell you a monitoring product. Ive worked hard to improve my credit score. In the case of Transunion, they have put a 54 point drop on my score, but cant explain it to me. This should not be allowed to happen. I want an explanation, as well as a restoration of my 54 points, at least.

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 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Allied Collection Service, Inc. (Indiana)
State: IN

Complaint narrative:
On or about XX/XX/XXXX XXXX XXXX Hospital ( XXXX ) sent me a letter saying that I had been accepted for financial assistance at 100 % for medical debt through them. They had sent my debt to Allied Collections in XXXX ( legal extortion ) in or around XX/XX/XXXX. They tried extorting me for half the year but were unhappy because Im XXXX and therefore extortion proof. They wouldnt even verify the debt for me ( see attached ). 

I notified them of the decision by XXXX and Im sure XXXX did also. In XX/XX/XXXX I noticed they are still reporting the debt and even added more to my XXXX  credit report. Its my opinion they did this because of a letter I sent them telling them what I think of them and that I would file bankruptcy before I paid them. ( See attached ) Because of their failure to do the right thing I and my family have to suffer because of this deliberate act! 
I want this deleted and them fined for it. I want it deleted immediately and I will not accept their blaming XXXX or XXXX  ( not having control over when they delete because I know all they have to do is contact them and have it done.

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