vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
My boyfriend and I have been banking with U.S Bank for a little over a year now. Unfortunately for us and many other americans we have had some unexpected expenses. Recently my vehicle was in the shop and it 's expensive. I have medical payments that continue to grow each doctors appointment I attend. And due to this we have been struggling to make ends meet, with all the overdraft fees we have been assessed. It 's a pattern that 's been very hard to stop since our paychecks are short because of the fees we have been paying US bank. I request the {$180.00} dollars worth of fees to be reversed so it would allow us to get back on our feet and was turned down by a bank who is not compassionate and wo n't consider refunding {$180.00} dollars worth of fees. But it 's ridiculous that these large banks make money off of hard working individuals who are n't millionaires and I can guarantee if I was a rich the fees would of been reserved without hesitation. I do n't understand how it 's okay for a bank to pay a item and charge you a fee when it 's at their discretion. I am writing this so other consumers can be aware of what type of business U.S Bank is. And unfortunately we will be looking into switching to another bank. We recently had a payment go through for homeowners insurance for a little less than {$15.00} dollars and got hit with a {$36.00} dollar over draft dee. We paid rent and we were short no more than {$15.00} dollars and for hit with another {$36.00} fee. All I want is the XXXX dollars of fees to be reversed as a courtesy to allow us to get back on our feet and us bank has wasted my time. I have called, I have emailed them and I even went on social media. This is outrageous and I hope no one else has to go through this. Please please please stay away from this bank that only wants to make money off of young adults and poor people!

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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have made numerous complaints to XXXX XXXX XXXX concerning the following account XXXX. XXXX XXXX has refused to accurately report the above mentioned tradelines on my Equifax Credit Report I requested to speak to a representative in the Credit Reporting and Bankruptcy Department and was told by XXXX in customer service that she couldnt transfer me to the anyone to speak to about my situation. I explained to her the way the account was being reported was incorrect. She said that it was acceptable to report the repossession status in conjunction with the bankruptcy. I informed her that the reporting was incorrect and that it was considered to be continued " collection '' activity and that it violated my rights under bankruptcy protection. I am demanding XXXX XXXX XXXX to delete this account or will escalate my case to the higher authority or pursue other legal remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX Account # : XXXX I was never late 30 days late in the month of XXXX 2017. I have always made my payments on time. 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 there was a billing error with my statement.

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 2017-08-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
The loan was designed with interest out of my financial Income the rates were up to the maxim. None of the principles were being paid I could not keep up the payments for the automobile. a XXXX XXXX XXXX purchase XX/XX/XXXX. The car has now been repossessed. The letter for repossession was never received the car was repossessed XX/XX/XXXX, I received a letter to auction the car in a private setting on XX/XX/XXXX.I have a choice to auction public auction. I tried to refinance the car at the credit union it was over finance. It Was to much interest on it was not worth it. I had no way out I went every where for help.the company refuse to lower the interest rate.this has been a stressful situation. My credit is being placed in a situation. I can not deal with. I tried to pay what I could. The person who reported the had but nails in my tires the did every thing they could to get t me strained. I never saw any thing like that in all my days. I am XXXX and living on a fixed income. I would like to mention I 've even been run off the road on several occasions. and almost XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: IN

Complaint narrative:
I paid off my mortgage loan in full on Wednesday, XX/XX/XXXX and have not received my {$920.00} escrow refund within 20 business days as required by RESPA regulations. It has now been 28 business days and after repeated calls I am constantly told that the " check is in the mail ''. My online account activity states that the escrow funds were disbursed on XX/XX/XXXX however when I just spoke to the Mortgage company 's escrow representative they state that the funds were mailed on XX/XX/XXXX ( conveniently the 20th business day ). I stated that I just received mail today that was sent on XX/XX/XXXX by my current mortgage servicer and again told " I will receive in mail '' with no remedy on receiving these funds. I believe that this constitutes violation of RESPA regulations since the company has not offered to take any actions to expedite the delivery of funds that I should have already received. It has been very frustrating to deal with this mortgage company and I believe that they are not properly equipped/staffed to satisfy customer complaints. I stated very clearly that I felt this was a violation of RESPA and that I would place a CFPB complaint and they did not attempt to take any further actions to remedy the situation.

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 2017-08-14 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : NAVY FCU Account # : XXXX I was never late 30 days in the month of XXXX 2017. I  have always made my payments on time. 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 there was a billing error with my statement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
RE : SYNCB / JC PENNY I contacted the bureaus, and proved to them that I am victim of Identity Theft. An ID Theft Report was sent unfortunately these companies erroneously validated the account listed above.
I contacted SYNCB JC PENNY they claimed that they sold the account to XXXX XXXX and the no longer had any records about the account I was told to contact XXXX XXXX. They  Requested the account be deleted.
I am a victim of Identity theft and I am requesting that the following inaccurate items to be immediately investigated. I pulled my credit report recently on X/XX/17 only to find several addresses and accounts that do not belong to me. Please advise them to remove that account from my credit file.

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 2017-08-14 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: U.S. BANCORP
State: CT

Complaint narrative:
Roughly {$450.00} worth of fraudulent charges were made on my credit card. I notified them immediately thinking their investigation who did criminal was. They never put the full amount back on the card for me to utilize. They failed to tell me the whole process and then spoke to the Supervisor of Fraud Protection he then apologizes. How is that going change my situation? I feel like they are keeping the using my card. There 's a hold on there and I do n't know why.

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 2017-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MD

Complaint narrative:
My identity were stolen. I have n't been in United States since XX/XX/XXXX. I came back just XX/XX/XXXX and found out that someone used my intel for more than 7 years, opened credit cards. Now I am trying to dispute all inaccurate accounts and debts because I did n't. I filed reports to FTC and police. Also, I tried to contact XXXX XXXX XXXX XXXX, the collection, which bought one of the debts. I wanted to explain my problem and expected understanding and cooperation as I have rights to dispute not my accounts and debts. I called to this company XX/XX/XXXX. Firstly, one of the employees asked my data to find a case then transferred me to the administrator as she said. This administrator just said I had a court. When I tried to explain to her that my identity was stolen and I have never been in California in my life, she just made fun of me and my not perfect English language, then said " buy XX/XX/XXXX! '' and hang up on me. I tried to call again more times, but this company blocked my number. I sent them a letter with request to close this fraudulent account, but there is no response. They violated my rights, in accordance with the Fair Debt Collection Practices Act, to stop collection proceedings against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: EQUIFAX, INC.
State: MI

Complaint narrative:
There is a derogatory remark on my credit report that involves a tax lien that has been released. The tax lien was reported to the credit reporting company in XX/XX/XXXX. The lien was resolved and released through the filing of a previously missed tax return several years ago. The credit reporting company shows the lien as released but the derogatory remark regarding it remains on my credit report as of today, XX/XX/XXXX. I lodged a dispute with Equifax earlier this year but I have not heard back from them. I have not lodged a dispute with XXXX, believing the derogatory remark would be removed due to its age. However, the derogatory remark remains on both credit reporting reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Central Portfolio Control Inc.
State: OH

Complaint narrative:
I have been receiving repeated phone calls from the company Central Portfolio Control Inc . I received a phone XX/XX/XXXX stating that I owed a debt on a XXXX XXXX and needed to make payment or setup a payment plan right away. If I did not do so then I would be sued or my wages garnished. I however refused a payment as I am still unaware of the collection in question. I was never sent any information regarding the said debt from the original debtor or from CPC. My spouse is now receiving phone calls to his place of business with the same threat : If I do not pay the debt they will garnish my wages. Latest phone call was -XX/XX/XXXX at XXXX XXXX. I am aware that the debt in question is well out of the statue of limitations. The threats and harassing phone calls made to my spouse 's place of employment are unlawful. The threats and phone calls made to my personal cell phone number are unlawful. The CPC has not provided any hard copy proof of the said debt in collection : I have no judgement or collection on my recent credit report - printed XX/XX/XXXX : nor have I ever received any information or contact from the original debtor.

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 2017-08-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: LoanCare, LLC
State: OH

Complaint narrative:
Closed VA refinance on XX/XX/XXXX and still have n't received my escrow refund. Spoken with Title Company six times and emailed them once ; each time they have advised me that it was issued XX/XX/XXXX, and that I should continue waiting for the check. It is going on three weeks since the check was supposedly issued. They have also informed me that if I want them to send me the check, there will be a 30-day hold period on my funds so they can confirm someone else does n't cash the check during said time. Simply stated, I want the money they owe me and not another 30-45 days waiting on something they were ill-equipped to perform. XXXX XXXX XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Customer Service : 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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. 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 there was a billing error with my statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 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: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30 days in the month of XXXX 2017. I have always made my payments on time. 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 there was a billing error with my statement.

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 2017-08-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I have two loans through Navient ; the direct parent plus and the parent plus loan. The interest rates on each loan are 7.9 % and 8.5 %. THIS IS ASTRONOMICAL. I, as the student, and the payer of these loans have called multiple times trying to figure out a way to reduce the interest amount, which I will say again, IS ASTRONOMICAL, to no avail. I apparently ca n't do anything on this loan since my mom is the cosigner. So, my mom has also called many times trying to figure out a way to reduce the interest rate ... yet again to no avail. The loans entered repayment in 2008. These are 2 of 10 loans that I have. I pay over 1000 $ a  month in student loan payments. I have a career as a nurse and have to live paycheck to paycheck because I am so shackled by payments, with insane interest rates, such as these. Both my mother and I have been told " interest rates are set by congress '', which is why this ca n't be changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through XXXX XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact XXXX who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their 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 2017-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Wrong address ON FILE- mail going to old address- they still have A security freeze on both my account and wife as it was removed through Experian XXXX 2017. waited on phone well over hour I could not get the overseas representative to do anything! Asked to be transferred to US waiting and waiting finally hung up. I asked them to contact Experian who was supposed t be updating all three agencies- that evidently did not happen- they still have old incorrect missing information on their 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 2017-08-14 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: ID Analytics, Inc.
State: GA

Complaint narrative:
As of XXXX XXXX 2017 my credit score was XXXX. I applied for a credit card and it came back declined from XXXX XXXX XXXX due to the reporting agency Sagestream LLC reporting my score as XXXX in XXXX of 2017. I have NEVER missed ANY type of payment and have always had very good credit until SagestreamLLC was involved. I read other complaints of other people online having this same problem with Sagestream. I am very angry about this company having a negative impact on 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 2017-08-14 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had originally contact Experian on XX/XX/2017 regards to numerous unknown inquiries sometime multiple and asked them to investigate or remove the inquiries the customer service rep was uncooperative and said I need to contact the companies in question. I advised them I did already reach out and also have sent letters with no responses. Experian was still unwilling to assist me and said they will not accept my dispute. inquiries : XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX > MULTIPLE DIFFERENT INQURIES

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 2017-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payments on the dates below : Creditor : XXXX/XXXX Account # :XXXX I was never late 60, 90 or 120 days in the months of XXXX and XXXX 2016.
I have always made my payments on time. 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 there was a billing error with my statement.

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