vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I 've been with us bank for some while now. And, per my opening of my account I 've opted out of over draft protection. A couple of times, they 've had to refund me money because somehow unexplainable its been put on and off. So, a couple days ago from this notice here. I was charges a overdraft fee. Telling me I went in the negative when.certain checks went through. Ok, they could not prove it. My account went in the negative from what I seen, when they charge me overdrafts when I should n't have. So, when my other transactions came in, the money was n't available. So, that 's when I was in the negative. Then I 've been cashing my dads checks for a while. Now since I 've made a complaint. I go to withdraw. Branch manager XXXX located in XXXX, I 'll. Tells me I could n't cause they have no proof the check was endorsed. Well why is it, and others cleared. I can use my card. But ca n't withdraw now?. She made all the running around the answer. I need to file a complaint and get all the money back I 've been charged..

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 2017-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
Merchants & Professional Credit Bureau has been reporting a fraudulent collection on my credit reports in the amount of {$92.00}. 
I only found out about this collection from reviewing my credit reports. Merchants & Professional Credit Bureau continues to verify with the credit reporting agencies and they refuse to respond to my letters. I have recently filed complaints with the FTC, the TX Attorney General and the BBB. 
The account number listed on my XXXX report is XXXX. The last XXXX numbers have XXXX so the entire account number is not listed. I included copies of my dispute letters and credit reports to the TX Attorney General. 

I also plan to file complaints against Merchants & Professional Credit Bureau for ethics violations with XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am the treasurer of my condominium association and in order to assist in the closing of one of our units, US Bank requested a balance sheet of us ; our CPA provided one at a cost of service {$250.00}. The bank stated the bill would be included in the closing and we would be reimbursed. This promise was made in a number of emails before and after closing. I also demanded payment a number of times to no avail. This last request I was told the new owner would pay the bill. The new owner knows nothing about this arrangement. I can not get satisfaction from the bank and think this is very unfair.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: PA

Complaint narrative:
Just recently my husband and I were contacted by loan officer XXXX XXXX XXXX who works for Freedom Mortgage Corporation. He recommended that we refinance our home since interest rates are at an all time low. My husband asked XXXX XXXX what the closing costs on our end would be since we have not really saved for a refinance at this time. He explained that there would be no closing costs since Freedom Mortgage currently holds out loan. My husband then continued to explain that when we built our home with XXXX XXXX that we opted to take a higher interest rate to not have PMI. He asked XXXX XXXX if by refinancing we were now going to have to pay PMI. XXXX XXXX said no we would not have to pay PMI and there would be no closing costs for us. So at that we decided to go forward with the refinance. After submitting all the necessary paperwork required we were approved for the new loan at the new rate. XXXX XXXX sent us all the paperwork to sign electronically which after careful review and seeing indeed there was no PMI and no closing costs to us we signed and submitted the paperwork. Not long after we submitted the paperwork we received an email from XXXX XXXX the loan processor stating that we do indeed need mortgage insurance. I explained to her the situation and she said she would reach out to XXXX XXXX. After weeks of trying to get in contact with XXXX XXXX he has not returned any of our emails. The only thing we received from XXXX XXXX are new documents to sign which show that we now would owe over {$4000.00} in closing costs. He has had no contact with us and refuses to return any form of contact or answer our questions.

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 2015-10-23 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: MI

Complaint narrative:
On XXXX/XXXX/15, my spouse, suddenly and unexpectedly, passed away. XX/XX/XXXX, it was discovered that there was a Discover credit card in my name, ( wrong middle initial ). I immediately contacted Discover and was advised to submit a fraud claim. I had no knowledge of the card, no physical card, had never used the card. The only activity on the card were payments, as the credit was balance transfer. 

After several months of dispute, dozens of phone conversations, and mail communications with Discover, they continue to say that I am responsible. When I have asked about how the credit card was opened, I have received different responses, but have been told it does not matter. I truly had no knowledge of finances, in our home. I have been left with only my income, ( no life insurance, no pension or Soc Sec from my spouse ). I can not afford to pay off this bill, approximately {$6700.00}, that I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank has arbitrarily and in a apparent retaliatory manner closed by account without fault of my own or reasons. It seems highly probable that this results from me complaining terrible service provided by its branch and Branch manager. 
I would like an explanation, apology and restoration of the account ( Not because I need the bank but because of the convenience for using one of its service : XXXX XXXX ). 
I would appreciate if you could assist resolving the matter. I have contacted US Bank but I have reached an impasse where no answer or explanation is available and no resolution path is proposed. 
I am sure that you realize that a bank closing arbitrarily accounts is rather strange and exceptional. None of my other banks ( or account with other merchants ) have ever been treated this way. Considering how and when it happens it is even more suspicious that it is retaliatory despite USBank having claimed zeal at resolving the previous matter that itself was not motivated. It certainly is not a context where USBank can argue that it can chose freely who it does business with! If USBank does not appreciate that I use its service only for one of its services ( XXXX XXXX ), then it could inform me with a proposal to that effect. It has never done so. And in any case, it is a bit difficult to believe that a bank dictates what a customer should do with its services. Is this legal? Why does it matter? How does it impact in any way USBank. Again no bank have ever questions my decisions to use them to save, to pay bill to invest etc. What happens? Was this all a orchestrated effort to get rid of me as a customer? It makes no sense. 
Your assistance in solving the matter ( Ideally with account restoration ) and at least obtaining clear explanation that can be publicized and understood by all the numerous US Bank customers in the XXXX XXXX would be extremely useful! And I really think that USBank is misbehaving and that it should be exposed to the public. 
Your help is appreciated. 

The sequence of events since XXXX 2016 is in attacehd documents

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 2015-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pressler & Pressler, LLP
State: PA

Complaint narrative:
XXXX XXXX XXXX Pressler and Pressler have sued me and got a default judgement. XXXX XXXX has been charged numerous times for violating the FDCPA laws. This attorney was asked by me to provide proof that they are the owners of the debt, a signed contract agreement, and the last billing statement. I am now concerned that he only reviewed my complaint for 4 secs just as he has been sued by others for this same issue. The last communication with him he claimed he would send the requested information ( their calls are monitored so they said ) and I have yet to get this paperwork. The only thing I 'm being mailed now is an interrogatories request. How is it they can continue to violate laws, harass consumers, and not provide supporting documents that I owe this debt? How do I know that I 'm not just paying some crook who has my information? These are questions that I need someone to look into as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I had a mortgage with XXXX in XX/XX/XXXX my payment was only XXXX a month owed XXXX Us Bank took over the loan in XX/XX/XXXX they said I owe XXXX and payment of XXXX a month WRONG. never signed a note with this US BANK just send payment to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CURO Intermediate Holdings
State: OR

Complaint narrative:
Rapid Cash on XXXX XXXX XXXX and XXXX in XXXX, OR is where I have taken out many payday loans. I got to the point where I could not pay and I had XXXX out for {$330.00} = {$670.00}. I called ahead of time to make payment arrangements and they refused to work with me. I was told that the transaction would have to go to my bank and once returned would then make pymt arrangements. I had stop payments put on my account beings I knew I would not have the money. The payment was stopped on XXXX but not the other beings they ran the payment as a different name.If a customer wants to make arrangements why would they want to cause all these fees for someone that wanted to pay but needed to make payments does not seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: The Allen Daniel Associates, Inc.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I noticed an erroneous account on my credit a few weeks ago and I immediately took steps to have this error corrected by contacting both the data furnisher ( XXXX XXXX ) and the bureau ( TransUnion ) which were reporting this incorrect information on my credit file. 
I am attaching the letter I sent to TransUnion in which I dispute this account on XXXX XXXX, I asked them to provide the evidence of verification that they obtained during their " investigation '' -- which they have not responded to. I also am attaching the letter I sent to XXXX XXXX on XXXX XXXX, requesting a description of their " verification procedures '' as well as the XXXX forms transmitted by them to TransUnion regarding this account and any and all data submitted as " verification '' of this account. To date, I have received no response. Since my letters were sent out over 30 days ago, the window within which they must respond has now closed for them to provide requested verification proof. Therefore, as it is NOT a verified account it must be immediately and permanently removed from my file, as per 15 U.S.C. 1681s-2, which states : " ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. '' Please instruct TransUnion to remove this unverified and erroneous account from my credit history.

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 2016-08-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
There are multiple hard inquiries on my credit report and I do not know how to get them off. They were unauthorized.

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 2016-07-31 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have now submitted XXXX cases against Transunion through CFPB portal for permitting unverifable information to continue to be reported on my credit report by a company named XXXX XXXX XXXX. The CRA has a duty to have verified this information as being valid PRIOR to placing it on my report! They did not! Under the FCRA Section 609, I have a legal right to PHYSICAL, verifiable information with absolute, 100 % proof I am liable for this companies ' alleged debt being owed to them! Transunion NEVER sent any verifiable information from the 1st complaint, nor have they done that in the most recent complaint. How is this following the FCRA guidelines? THEY MUST DELETE THE XXXX ENTRY AS A MATTER OF LAW, because they have never sent me any proof under Section 609 of the FCRA. As it stands, Transunion is being Willfully Noncomplaint, which is against the law.

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 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Coastline Financial Resources, LLC
State: KY

Complaint narrative:
On XXXX/XXXX/XXXX I was contacted via phone by a XXXX XXXX with Coastline & Associates about an alleged debt that I owed to a local hospital from XXXX. XXXX XXXX said they have been trying to serve me and the sheriff was coming. My credit would be harmed. They would lean my assets and my house. Just very threatening and mean. If I agreed to pay then via credit card they would send a release to fax and reduce the claim by half ( {$500.00} ). I fell for it and gave them the credit card which was immediately charged. I called the hospital and there is no unpaid bill. XXXX XXXX found me by calling several relatives. I have tried to reach her, but there has been no response. Her supervisor is a XXXX XXXX. His email address is XXXXXXXXXXXX. The research that I have been able to pull online shows that this company is located in XXXX, CA. Address is XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion has fail to delete negative unverifiable information on my report. there are accounts with recent monthly payments but account have been closed and have been verify by the original source. there is past due balances on every account that has been closed. Collection companies have fail to provide me with proper documentation of adverse accounts. results from Transition indicates accounts have been sold but they still are been verify.

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 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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 XXXX, XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The name XXXX XXXX has been added to my account. I have never been married. I have always been a XXXX. My daughter 's last name is XXXX but I have never been. This needs to be removed. Thank you.

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 2015-09-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear sir/madam, First I would like to thank you, my previous issues were resolved because of your advocacy. 
As I am rebuilding my credit, I am watching my credit reports closely now. Please see pages XXXX, XXXX and XXXX. Page XXXX for example : XXXX ; XXXX reported " Debt included in or discharged through Bankruptcy Chapter XXXX, XXXX or XXXX '' -last reported XX/XX/XXXX. XXXX and TRANSUNION also reported " included in BK '' but last report date is XX/XX/XXXX. 
My question is : Are credit bureaus mandated to do additional reporting after the bankruptcy filing date? ( restating the same facts! ). 
Please advise ; I will write a complaint directly to the respective credit bureau if what they are doing does not conform with the law.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation