vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: OK

Complaint narrative:
US Bank Home Mortgage continues to fail to report payments to the credit reporting agencies. I received and reviewed the extensive reply from US Bank. The information provided in the response offered some clarification but also directly contradicts what they are reporting to XXXX  and XXXX. Attached is a letter from US Bank stating that they have applied a payment made in XX/XX/XXXX to the contractual payment for XX/XX/XXXX. Also attached is a copy of my credit reports ( XXXX  and XXXX  ) showing no payments reported at any point in XX/XX/XXXX or XX/XX/XXXX. Additionally, payments were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. None of these payments appear on my credit report at any point in XX/XX/XXXX or XX/XX/XXXX. I understand the delinquency status. I understand the process of the TPP. However, I have done extensive research and I have learned that the payments made on the loan should be reported ( even if being reported in XX/XX/XXXX ) to the credit reporting agencies and US Bank has not complied. The last payment date as it appears on my credit report should be accurate and it is not in fact accurate which means US Bank is not in compliance. This negligence has real-life implications which has had grave consequences to me. 

Additionally, the co-borrow and myself have made dozens of attempts to make contact with US Bank in regards to the TPP, to confirm payments or that paperwork has been received and various other important information with no response. I am happy to provide proof of at least 10 emails made to US Bank 's RMDM Consumer Protection group, the previous relationship manager and the new relationship manager, to which I never received any response. I am happy to provide proof of at least a dozen phone calls to US Bank in which we spent hours waiting on the phone only to receive false or conflicting information. Customer service remains appalling. US Bank has little regard for the real life implications of their negligence. As a consumer, I would never recommend US Bank to a friend or family member.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Unlimited Progress Corp
State: IL

Complaint narrative:
I have tried settling a debt. That I had no idea about. It turns out it was a bill for my daughter. The only reason I found out about this is because I am in the process of buying a home and when they pulled my credit the mortgage lender notified me and I was shocked to see this. I immediately called the creditor who are located in XXXX Illinois. I told them I would pay it over the phone for deletion on my credit report. She told me to write a letter to the supervisor XXXX XXXX about my situation. That she does the reporting to creditors in the beginning of each month. 
I wrote the letter and mailed it out immediately. Never heard back. So I called again. I was told that they got my letter and that they would require payment in their hands first then decide if they would delete from my credit reports. She then however mentioned to me that they dont delete from reports. I then reiterated " so you guys need payment in hands and even then you still won't guarantee the deletion? " she said that is correct. 

I am trying to pay this off but they are not accommodating by any means. I have been nice every single time I am really trying to settle this. The closing on my future home is less then 60 days away. Can you help me please. 

My email is 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 explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Not my account listed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
XXXX college sent me to collection with conserve for {$890.00}. Then they add their fee on that. They are saying it was for financial aid. I made too much money to qualify for any financial aid or pell grant. I was only able to take out sub and unsub loans through student loans using my SSN. I ended up dropping out of classes but My student loans are currently through XXXX and are on deferment. So I am trying to figure out how they are trying to make me pay back money that im already paying back anyway which is my student loans that are in deferment. I called conserve and they said they couldn't remove it from my report and that they have to dew what XXXX college tells them. So I emailed the business office at XXXX to ask about the debit and maybe settling on it if I actually infarct owe it and they said I would have to discuss settlements and payment with conserve. So I am being drug around in circles and its very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, on a trip to XXXX XXXX I tried to use my Chase debit card to withdraw funds from an ATM. I tried to take out {$210.00}, I inserted my card into the ATM, selected the amount I wanted to withdraw, but the ATM machine did not dispense any cash or receipt. I checked my app on my phone immediately and saw that the amount was withdrawn, but then credited back immediately. I assumed that I had tried to take out too much money, so I tried again. This time taking out {$100.00}. Again, the same thing happened, the ATM did not dispense any cash or receipt. The next day I called Chase to confirm my money was secure and to notify them of what had happened. I talked to a representative who had me explain my story about 6-8 times, drilling me about the amounts I tried to take out and kept insisting I tell her the amount I actually received, even though I kept repeating that I got {$0.00} from the ATM. From the very beginning it seemed like she was on the defensive and did not believe what had happened. I explained to her that she could check my history with them, that I traveled a lot and never had I tried to submit a claim of this sort because this never happened to me. She eventually, after a very long call told me she would submit a claim and they would investigate the  matter. My money was refunded on XX/XX/XXXX. On XX/XX/XXXX they reversed the refund. I did not receive any notification that they would be removing these funds from my account, though they claim I did ( thankfully I had additional funds and my account was not in red ). I called and asked to speak to someone who could explain why my claim was denied - they said that they communicated with the bank in XXXX XXXX and they said their ATMs were balanced and the money was retrieved from the ATM. I asked them to please contact them again and explain that the money was not dispensed. I called again today on XX/XX/XXXX to receive an update, because again I am not being notified of any updates on this claim and they said that the bank claimed again that the ATM dispensed the money and they were able to provide a receipt. I asked if they could please ask the bank for the CCTV footage, because the ATM did not dispense any money or a receipt and they said that those could only be subpoenaed so they would not be doing that. The agent told me there was not much more I could do. I've asked twice now what I can do in the future to protect myself from this happening again and no agent can provide a response. I am very frustrated that {$320.00} were stolen without Chase taking any responsibility for their actions or even trying to advocate in my defense as their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
An account with XXXX XXXX XXXX XXXX  XXXX XXXX for XXXX XXXX is still showing on my credit report as delinquent although it was paid in full in XXXX of 2019. I submitted a dispute via equifax and it still has not been updated over a month later. I paid {$350.00} on XX/XX/2019. This information is affecting my ability to purchase a home and open a line of credit. The collections account # is XXXX the customer # is XXXX. The representative that took payment was XXXX XXXX and I called verified this information with XXXX at extension XXXX. This exact amount was deducted from my bank account. Lastly all of the previously delinquent accounts on my report have been paid in full. Both XXXX  and XXXX   have updated and removed my old delinquencies ( except the balance of XXXX ) and notated it as paid in full and or deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
False promises are given by reps and supervisors. I reached out to Care Credit In XXXX as I had noticed on my statement that my balance had increased dramatically. I was informed my promo had ended and that I was charged the full interest. I asked how I could get this resolved. The rep stated that if I paid my promotional balance in full by XX/XX/XXXX which happened to be my birthday, that they would waive the rest of my balance as it was all interest and late fees. I had been paying double my minimum for a year not realizing that this was doing nothing for my balance due to the fact that my payment was submitted on time however not posted on time and late fees were assessed in the amount of {$220.00} for the year. The rep seemed to understand. Fast forward a week, I submitted a payment of {$410.00} towards my {$830.00} promotional balance. I contacted Care Credit again asking for my interest and fees to be waived. They stated that the promo balance needed to be paid in full first before they could waive anything. Fast forward another week or two. I submitted another payment of {$410.00}. This left my balance of {$580.00}. This is made up of {$430.00} in interest and {$220.00} in late fee 's. My promo balance was now paid in full. I contacted Care Credit again. I let them know my promo balance was paid in full and that I needed the remaining balance waived. They waived the original interest and still continued to charge me interest on a balance made up entirely of late fee 's refusing to waive the late fee 's aside from two equalling {$78.00}. I explained I was promised that if I paid my entire promo balance in full that my account would be wiped to a XXXX  balance as the remaining would only be  interest and late fees. The supervisor told me there is nothing he can do. So they basically tricked me in to pay this large lump sum under an agreement that I would then be in good standings when I followed through with my part they did not follow through with theirs. I now have used all the money I have and am being threatened to be sent to collections over a {$170.00} balance of late fees and interest on my late fees. Safe to say I closed this account as I do not want to deal with this company and it's untruthful ways ever again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been working on repairing my credit for about six months now. I have been consistently sending letters to Equifax during this time, the first one being sent on XX/XX/2019. I am in the process of trying to get a home for my family and me, and the blatant disregard from Equifax is hindering my efforts. I am trying to better myself and get a better job but Equifax will not respond to my disputes so I'm not even sure if they are following the laws laid out for them. I have attached all of the letters I sent to Equifax below.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GENERAL BUSINESS RECOVERIES, INC.
State: NY

Complaint narrative:
I have a negative item on my credit report. It shows up from General Business Rec # XXXX ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX ) It was placed for collection on XX/XX/XXXX. The balance is {$500.00}. The original creditor is XXXX- XXXX XXXX XXXX ( XXXX/XXXX  XXXX ). 

In XXXX I was at the XXXX  Arizona VA XXXX XXXX XXXX. I was transformed without a choice to a private medical facility in XXXX XXXX, Arizona. I was charged for the ambulance ride. I contact the Veteran Affairs 800 number yesterday, to which I explained the VA is supposed to cover transfer expenses in these types of situations. 

As the debt is almost 7 years old, it will clear eventually. However, I should never have been issued a bill for this, and this company does not have the legal right to collect on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX is reporting that I owe {$89.00} to them for insurance that I cancelled by phone because the insurance was cheaper at my current carrier it was paid in full up until I cancelled on the phone. I do not owe this debt If not deleted from my credit reports I will sue XXXX XXXX XXXX and Transunion. I have contacted a lawyer on this matter and will sue if not deleted. I have the right to cancel my insurance whenever I want

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
Hello, I am requesting information as to why Navy Federal Credit Unions Zero Liability policy is being disregarded here. I have attached information regarding the failure of NFCU to provisionally credit my account during the investigation of two transactions during which both merchants are contractually obligated to provide me with refunds for services I could not use and did not receive. Please advise regarding next steps. 

Best, XXXX 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 2020-02-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Well Fargo Chamged interest rate in or around XX/XX/XXXX-XX/XX/XXXX have requesting for documents I have been told I refinanced my. Loan which extened my payments until XX/XX/XXXX at 11.740 % When asked if this was a modification to my loan I am guided to tonspeak to a. Mortgage specialist who has not been able to provide documentations o Where the refinanced happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BB&T CORPORATION
State: FL

Complaint narrative:
This is a two part complaint, the first part is that I had a {$36.00} overdraft fee charged to my account on XX/XX/XXXX despite the funds to cover a transaction having posting to my account. 
The second part is that I had an issue with XXXX pulling money from the wrong account, and despite BB & T knowing that it wasnt intentional and me offering to pay the negative balance minus the fees, they refused to waive the {$610.00} in overdraft and returned item fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
Citi bank, collections, harassment. 
I have been receiving multiple times calls a day up to 6 or more, six days a week if not 7days for over 2 months. Sometimes only 2-3 hrs apart from each other. Example XX/XX/XXXX received a call at XXXX,XXXX,XXXX. XXXX,XXXX,XXXX. I have answered the phone first time and talk to them and they continue to call that day. They say that they will make note to inform Citi. But others claim no notes or info on file. Others said they don't do that. My reading of new federal laws passed by Congress against credit & collections companies. One is that they can not continue to call and harass multiple and multiple times a day everyday and they say on the phone that they will continue to do so. Last talked to them on XX/XX/XXXX XXXX talked to XXXX Id # XXXX he gave me. Refused to tell me the managers name as all companies do. The laws are in place to protect us from harassment calls from credit & collections companies do they work. Who else do I need to contact and file with? 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 non-monetary relief
Consumer complaint received 2020-02-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Fortiva financial services continues to contact me after I asked them to cease and desist from communicating with me regarding furniture financing. I would like this charge somehow removed from my credit reports as I am fixing my credit and have accounts now in great standing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Aldridge PIte Haan, LLP
State: KY

Complaint narrative:
This information is in addition to Complaint Number XXXX. I just learned that XXXX XXXX XXXX either sold or moved my debt collection to Aldridge Pite Haan. Per their letter dated XX/XX/XXXX, my outstanding balance show {$30000.00}. I have already paid {$11000.00} from Wage Garnishment and another {$27000.00} directly to XXXX in XXXX during my Bankruptcy. The very first notice I received for the Judgment showed a balance due of {$32000.00}. I have tried to call and have sent several communication to Aldridge Pite Haan with no response. When I did actual spoke with someone they basically stated you owe this and we will take every means to receive payment. My question where has all the money I have already paid went too. They are still collecting {$200.00} a check through Wage Garnishment. Contact Information for Aldridge Pite Haan is XXXX or website www.aph-law.com Any assistance would be greatly appreciate. Thank you, XXXX XXXX

Company response to consumer: Closed with explanation