vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-02 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
We lost our home to fire XX/XX/XXXX. The insurance funds are with US bank as our mortgage company. XX/XX/XXXX Check Received We sent all of the information they asked for and we eventually received the first draw of {$100000.00} to start the house. The frame was already up as the contractor is local and knew we were serious. Once the house was about half done, the contractor asked for another draw of aprox {$100000.00} as that would be the next draw amount. 
US Bank denied the funds without calling us to let us know. When I contacted them a couple of times they said it was under review. I had no way of knowing it was because they didn't have the floor plans. In the property loss draft file it showed " reviewed and valid ''. 
The sorry I received is just not enough anymore. I need a home for my kids. 
I have asked for a supervisor to call me several times and I only once got a call from a supervisor. Her name is XXXX. Now when I call and leave a message for XXXX to see where we are at, she will not return my calls. 
The contractor has now had to stop work as he does not have the funds to cover what was already put on the house and the rest of the supplies needed to finish.

We have not been treated very good by US bank and none of this was our fault. I feel like we are being victimized again. They have all of the control of our funds and we are left to wait for them to fix their issues with communication.

I have attached a copy of the flow sheet on how to request funds and if needed I have records that we have done what they have asked. It just takes time to gather. 
We are sad and this is starting to really take a toll on my family. The kids have had alot to deal with in this past 2 years. I have records from my boys XXXX counselor that say this drawn out process had made it worse for my XXXX year old XXXX. 
PLEASE TAKE THIS SERIOUS. We need to finish our house. The only reason we have not had our lawyer start anything is because we are worried about the repercussions from US Bank. We don't want to make this process any longer.

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 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, Transunion, and XXXX  have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

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 2021-06-02 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: FL

Complaint narrative:
XXXX, XXXX, and Equifax have been reporting an XXXX XXXX account {$4600.00}, XXXX XXXX Account {$0.00}, XXXX  XXXX XXXX account {$3700.00}, and XXXX XXXX XXXX XXXX XXXX account {$0.00} Limit {$3000.00} that I did not give my written consent to them to report anything. As stated in 15 USC 1681 ( b ) ( 2 ) Permissible Purposes of Consumer Reports. " In accordance with the written instructions of the consumer to whom it relates. '' I have tried numerous of times to get these items removed and each time they respond with they verified these accounts which is false. According to 15 USC 1602 I am the original creditor, and only the original creditor can validate a debt, which I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2021-06-02 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: TX

Complaint narrative:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: TX

Complaint narrative:
I no longer own the vehicle and was given permission to return the car with no hassle. The vehicle debt was suppose to be paid to a XXXX balance once I voluntarily surrendered the vehicle. The account is reporting that I have a balance and that is inaccurate. 

This happened around XX/XX/2018. They are still till this day trying to offer settlements for something I no longer owe.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back in XX/XX/2021 my Account was closed at Citibank they never contacted me to let me know of any supious activity on my account. We XX/XX/2021 the account was closed and they say it would take if to 30 to 60 days to receive my remaining balance after closing the account which is XXXX. I called in XXXX to see if they mailed the check and they say yes back in XX/XX/2021. Now I have not received the Check. I called to see if it was returned cashed or just returned..why did I ask that..the rep asked me to verify my address phone number d.o.b everything for her to put me on hold for 40 minutes for her to tell me to call back wen I can verify my address..what??. I have been dealing with this matter since XXXX. I've lost everything behind this Citibank and they act like they don't care..I just want my money and try to get my life back..please help.I called today XX/XX/2021 and I'm still getting the run around. They say they sent 2nd check but nobody at Citibank that I've talked too can tell me anything..I 'm tired of dealing with these people I feel they are XXXX me and trying to keep my money..I don't know please I just want my money. Its been too long for an account to be closed since XXXX and here it is XXXX and I have not received anything. Its like if I don't contact them about my money then they won't reach out to me and let me know something..I asked them was there a tracking number the rep says no. I ask can y'all XXXX the check the rep says no. But they XXXX me a debit card wen they blocked my old card. I'm really thinking I need an attorney cause this just don't make since..ill never ever use or recommend Citibank to anyone.. I just want my money ... they told me that they were sending a letter to explain about my check I haven't received nothing. They won't let me speak to a manager or supervisor.. They speak in a language I don't understand.they hang up on me many times.. This frustrating.CPS has taken my kids..I lost my job. I lost my car. I've lost everything behind this bank and still have not received a dime if my own hard earned money..and all they can say is " Oh I'm so sorry to hear that.. '' But unfortunately you have to call back ... I'm like for what I'm on the phone with you now..and just like that the phone hangs up and here u go again crying yelling screaming cause u can't get any any help. I don't have any documents to send. They haven't contacted me for nothing..if I didn't call them they wouldn't contact me..

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 2021-06-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As I know that this will surely affect my further credit deals, I want this to be taken care of.

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 2021-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I was not notified of investigation results about items reporting on my credit report, this is my second written request about this information reporting. I am concerned about the validity of those items, I am asking for them to be investigated and removed. The Bureaus have not addressed my concern properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX placed a collections and theres 0 information on it. There has to be an error.

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 2021-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Referred here by FTC. XXXX XXXX are holding over {$150.00} worth of my funds and won't return them. My bank will not reverse the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NC

Complaint narrative:
For whom this concern, I have been really XXXX XXXX XXXX XXXX to learn about my rights as a consumer has been violated. I have learned if there are things missing from my periodic statement such as my finance charge etc, and not delivered to me 21 days before the payment due date pursuant to Fair Credit Reporting Act 15 USC 1637 ( b ) on open-ended consumer plans aka my credit cards, there should be no late payment reported on my account however I have several of these accounts which falsely put negative late payment information on my account. I am pretty sure this is a violation of 15 USC 1666b ( a ). I mean it's right there in the law on the XXXX site. It's public information. Also, I have never opted into this reporting pursuant to Gramm Leach Bliley Act 15 USC 6802 ( b ) ( 1 ) ( A ) and this is an invasion of my privacy according to FCRA 15 USC 1681 ( a ) ( 4 ). This has stopped a lot of funding for me as I am a real estate investor and the fact I learned I have been ripped the XXXX off has been unbelievable. Can someone PLEASE correct this! I included my scanned dispute letters which I notarized as well in case I have to take legal action. I sent to the bureaus already. I still haven't received a response. Thank you for your help.

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 2021-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I have had a credit freeze of the credit Bureau SageStream for many years due to a previous XXXX  XXXX and restraint order I obtained against a prior boyfriend who was trying to obtain my information. This has been over 10 years. I was recently denied credit by XXXX XXXX  for a store credit card with XXXX XXXX XXXX XXXXXXXX. I contacted SageStream in order to remove the freeze from my account for 90 days. I was on line with representative XXXX # XXXX, whom was having a problem removing the freeze. XXXX advised " her system had an error '' and that I would need to send her a copy of my " Social Security Card ''. I asked her if I could provide my PIN number if that would help because I did not feel comfortable sending my Social Security Card by email as she requested. I didn't feel comfortable with the representative because I could hear chickens in the background and children. She apologized several times for the noise, verifying that my call was being taken at home. I requested a Supervisor and the representative refused to transfer my call. I also requested another in the office representative and she refused. I was placed on hold a number of times and was on the call over 45 minutes. XXXX provided the following email address XXXX XXXX XXXX. She advised this was a secure email. I don't fee comfortable with sending my SSN card and would like a formal complaint processed. I don't feel customers should have to provide their personal credit information to representatives working at home in unsecure environments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP
State: OH

Complaint narrative:
Unemployment with the State of Ohio was filed on XX/XX/2021. 
I opted-in for the affiliated bank to XXXX to send debit card. 
I was told on a few occasions that the card would be send. 
I received a letter in the mail on XX/XX/2021, dated XX/XX/2021, that my request would be processed XXXX almost 2 months ). The letter have erroneous information, basic information of my address. At this point, my livelihood is threatened. I communicate with the State of Ohio, and in these historic times, their stance is I must deal directly with the bank. There are funds in the account, with others to be forwarded to the account. With the neglect and sheer incompetency of this bank, their actions are causing much harm to my very delicate financial stability. I am sure ... I am not alone is this process of banks and government creating winners and losers, at an American citizen 's expense.

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 2021-06-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: MA

Complaint narrative:
We got a mortgage through Guaranteed Rate and closed on our home on XX/XX/21. Included in our closing documents were the first two payment coupons with due dates of XXXX and XXXX. We made our first two payments. We received notification that our mortgage was sold to XXXX XXXX and would be serviced by XXXX XXXX Bank. The notice from XXXX XXXX was dated XX/XX/21 and said the mortgage was transferred on XX/XX/21. On XX/XX/21 we received our first correspondence from XXXX XXXX Bank. This statement was dated XX/XX/21 and postmarked XX/XX/21. This statement said we had a payment due XX/XX/21. It also appears that only one payment is reflected and was somehow lost between Guaranteed Rate, to whom we made the payment, and our new servicer. I contacted both Guaranteed Rate and XXXX XXXX. Guaranteed Rate has not been responsive. XXXX XXXX told us that we needed to resolve with Guaranteed Rate. I inquired with XXXX XXXX about the grace period provided to borrowers when a mortgage is sold. My understanding is that there is a 60 day grace period. XXXX XXXX said our grace period started on XX/XX/21, the loan origination date. I believe both Guaranteed Rate and XXXX XXXX are not acting in good faith and are breaking rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
I contacted a man selling an XXXX XXXX XXXX  on XXXX XXXX XXXX, we talked and I made sure I asked Numerous questions about the device, received pictures, it all sounded so promising even after I was skeptical in the beginning questioning him. Everything added up to me, so I linked my bank to my cash app card & sent it that way. This morning I go to the post office to get my package open it up and its a voice recorder in a XXXX XXXX box wrapped in grocery bags. I have proof of the entire conversation, evidence of him verifying Everything he said was true, etc. I really would like to speak to some sort of authority about this. It is not okay. I didnt really have the money to spend as it was. Let alone spend it & not even get what I paid for. There has got to be a way we can handle this. Please reach back out to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : SYNCH-XXXX**** This is not mine.

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 2021-06-02 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
These accounts dont belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02 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: NY

Complaint narrative:
On XX/XX/2021, I notified credit reporting agencies that they violated the 15 us code 1681 and 15 us code 1681b ( FCRA ). As much as possible I would like to avoid having issues like this, so I want them to take care of it.

Company response to consumer: Closed with explanation