vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB Representative,I would like to submit a complaint about the very bad experience I had setting up a business checking account with US Bank.  I was sent a promotion flyer that stated that if I deposited XXXX into a new checking account, I would be credited a XXXX signup bonus within 45 days.  I opened this account on XXXX/19 with the full amount required and was not credited within the 45 day time period which was to end on XXXX/19.From XXXX/19, I spent many hours on the phone and in person with bank representatives trying to receive the XXXX signup bonus from this promotion.  On every occasion, the standard response from the staff was to ask me to wait a few more days to see if the bonus posted.  This went on repeatedly and after a full two months of these correspondences, I informed a customer service representative that my patience was exhausted and that I was going to be filing a CFPB complaint regarding their deceptive business practices.It was only after this threat that they finally credited my account the XXXX bonus.  This was 115 days after the account was opened.  To add insult to injury, I was also charged XXXX worth of account maintenance charges while waiting for the bonus which I have successfully had waived.  I believe that US Bank deliberately withheld the signup bonus to which I was rightfully entitled and also purposely strung me along to charge successive account maintenance fees.  I feel that the only reason they finally credited the XXXX bonus to my account - a full 70 days after the deadline - is due to the threat of a CFPB complaint.  If I was not aware of the CFPB and/or less inclined to pursue this matter, I strongly believe that US Bank would've been happy to have reneged on their responsibilities.  Therefore, I feel compelled to submit this complaint to bring to light the deceptive treatment that US Bank accorded to me and potentially many other new business banking clients.

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 2019-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO

Complaint narrative:
I purchased a new phone, therefore I don't have the exact dates. I am receiving between 3 and 5 phone calls PER DAY, sometimes at unreasonable hours. I have tried talking to the company directly and they are usually very rude or just hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal 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 non-monetary relief
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
I never applied for this account, i didn't receive any benefits. I believe, that somebody used my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was pre-approved for a purchase on a 4plex with Bank of America and was quoted a 2.875 rate. We then submitted an offer under the impression that if we qualify on the financing we would have a 2.875 rate because of this rate we moved forward to then submit an offer, do our du diligence inspections, and paid for an appraisal. 

Our loan officer locked in our rate, and we were issued an loan estimate ( please see attached ) While sitting in escrow for over 5 weeks, we were told by the loan officer that we are approved for the loan but she applied us for the wrong loan and can no longer honor the quoted rate for a 4plex. Instead the loan for the type of property we are purchasing has a rate of 4.5 % which is a 2 % discrepancy. Even though we have in writing that we had our rate locked and are still within our LOCK RATE time period. 

We are not 5 weeks into this transaction have spend lots of time and money on this purchase, have potentially lost other opportunities. And have been misquote by the bank and applied under the wrong loan. How can a bank LOCK IN our rate and then come back to tell us that they can not honor the rate they quoted us- not based on our financial capacity but due to their error of applying us for the incorrect loan.

We are now seeking help and have escalated this matter up 4 levels of management and have still not been given a resolution.

We are not 2 weeks passed our contingency period and not sure what our rights are and how we are protected as we feel we have been given a bate and switch.

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 2019-12-05 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I accepted American Express 's sign up offer for its Delta Gold American Express credit card. The advertisement promised a sign up bonus that would be paid once {$2000.00} was spent on the card within three months. I signed up for the card in XX/XX/2019 and met the requirement within a 30 days. I never received the promised amount of Delta Sky Miles. I have since called several times and American Express has not resolved this issue. To date I have called or messaged to resolve this issue five times.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.

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 2019-12-05 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: WA

Complaint narrative:
We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

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 2019-12-05 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: EQUIFAX, INC.
State: WA

Complaint narrative:
We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
We have called XXXX to try and resolve this issue, they refuse to resolve this issue and are violating fair credit reporting rights and screwing up my credit. 

The whole situation started when a relative who has NO INTEREST, NOT ON TITLE, NOT ON THE LOAN, had filed bankruptcy in XX/XX/2016. My first lender XXXX some how included me in the Bankruptcy and stopped mailing statements, and the 2nd mortgage did the same thing. This has gone on for almost 2.5 yrs. XXXX  refused to talk to XXXX about the situation. 

I have never filed bankruptcy nor before this issue have I had any issues with my credit. 
XXXX has resolved the issues and fixed my credit back to 100 %. XXXX has refused to work with me on this matter causing me financial hard shop and making it so I am unable to refinance my loans, causing my credit score to go lower.

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 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: AE

Complaint narrative:
Ive tried calling fed loan servicing 4 times to update my payment and login information because my account is locked out and the company either does not answer or when I get ahold of the company they tell me they can not update my account, Ive also sent them my military identification card and drivers licenses to prove that it is actually me and I have a heard nothing. This is affecting my crediting tremendously and I need to get this problem solved immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERIS BANCORP
State: GA

Complaint narrative:
I deposited my pay check into the Atm and it ate the check. I went inside and the teller was going to go into the atm and retrieve the check when the bank manager stopped her and said they had to do a report. He was very rude to me. I called customer service and couldn't understand the woman not could she understand me. She did say they would do a report and investigation and contact me in 48 hours. It has been 2 weeks now and nothing.  I went to the bank today and talked with manager and " there is no record of any transaction" I took the paystub that showed the amount and check number. She was rude and had an attitude with myself and my mother who went with me.  Basically wanted us to do their job which duh I can't do!  The original date when the atm ate the check  was around XXXX XXXXAlso. The day Ameris took over XXXX my bank card was in a glitch,. Our car was in the shop and I had to XXXX to work. I couldn't XXXX as they froze my card for no apparent reason. As a result I lost my job missing work due to this.  They did however fix the card issue when I called them .  Excuse for card not working was the change over from XXXX XXXX to new owner Ameris. Then they loose the deposited check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 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: FL

Complaint narrative:
It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.

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 2019-12-05 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: FL

Complaint narrative:
It's not my accounts, i never applied for it, i didn't sing any documents, i think, that somebody used my personal information and applied for this accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.

Complaint narrative:
First, my loan jumped form {$0.00} a month to $ XXXXusd. I am unemployed, called to change payment amount and asked the customer service representative if I was going to get a bad credit score since I am unable to make the payments. He assured me that I wouldn't and that he would fix the paper work before it would effect my credit, which was untrue. My inability to pay the amount was reported and my credit score went down 200 points. I called and 2 people told me that they couldn't help me and that I would have to submit an appeal. Then the third person I spoke to, XXXX XXXX said he would listen to the call between me and the representative and that he would retract the report if the representative did say it wouldn't affect my credit. He then told me to call him back the following Monday, which he did not. I have been calling him for the last three weeks- no answer and no call. Then today I called Navient, they said they have no proof of the conversation between me and XXXX XXXX. In the end, I finally received help, but it took a month and my credit score is now affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Hi i mailed a certified letter asking XXXX XXXX XXXX  to validate the allege debt they say i owe ON XX/XX/2019. I disputed the account with the credit Bureaus Trans Union, XXXX and XXXX  prior to writing XXXX  XXXX asking them to ensure that this account was reporting 100 % accurate and they verified it was accurate .How is this possible when the account number that the credit bureau is reporting different from what the original creditor is furnishing in the letter mailed to me. So how can this account be accurately reporting and why XXXX XXXX XXXX  didnt comply with the validation request for the said debt they say i owe. The creditor bureaus and XXXX  XXXX XXXX  is refusing to re-investigate my dispute for the allege debt. The are affecting my credit worthiness by reporting inaccurate information. They have not sent me the proof that i requested from them. so i am asking that this account be deleted from my credit report with all 3 credit bureaus Trans Union, XXXX  and XXXX. I also ask that XXXX  XXXX to stop debt collection practices because they couldn't validate the debt they say I owe. 


Thanks.

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 2019-12-05 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: TX

Complaint narrative:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you,as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced (as mandated) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victim’s Complaint and Affidavit

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 2019-12-05 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: FL

Complaint narrative:
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.

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 2019-12-05 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: PR

Complaint narrative:
They have reported my credit payments in correct time even so they have lowered my credit score without evidence and the score is incorrect

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 2019-12-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AL

Complaint narrative:
My loan transferred to Carrington Mortgage Service XX/XX/XXXX. Since then it has been extremely difficult for me. I didn’t receive any statements until XX/XX/XXXX. I’ve called and talked to 4 different people with 4 different stories in which no one could help me. 2 different times a supervisor was supposed to call me 1 week ago and now 2 days ago. My old mortgage company was working with me and even though I am behind, let me still make 1 payment a month. Now since my loan was bought out I suddenly have to make 2 payments in which I can not do at the time. They will NOT accept my 1 payment I’ve tried to make 3 times. I feel that this is highly unfair. I feel as if they are trying to just take my home and make it difficult for me. Also my payment was supposed to go down close to $XXXX  starting in XXXX   according to my old servicer. Keep in mind that “everything from my previous company stayed the same” but Carrington is telling me that my payment did not go down when I have the documentation to prove it. I feel cheated and like no one knows anything about my loan. I can not get answers or anyone to call and help me. Especially after I wait on hold for 30 min to speak to someone. Someone that specializes in my loan is never available.  I am mad that my loan was transferred and strongly dis-like Carrington Mortgage Service considering how I’ve been treated. I never ever had a problem with my previous mortgage company and they could ALL help me and actually called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R J Baucum Enterprises, Inc.
State: TX

Complaint narrative:
I filed a complaint with CFPB on XX/XX/19 Complaint id XXXX on Edward Sloan & Associates. The company respond on XX/XX/2019 that they would close the accounts with their office and remove from my credit report. They have reported today under ESA collections and reported with XXXX   and XXXX  as a collection account. I demand these collections items be removed immediately as they do not have the right to collect or report that I owe their company money per the FCRA. I will take further action against ESA Collection AKA Edward Sloan & Associated if this is not removed.

Company response to consumer: Closed with explanation