vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-29 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I repeatedly asked for evidence from Equifax, XXXX, and XXXX to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ). Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-29 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I repeatedly asked for evidence from XXXX, XXXX, and Experian to support their reporting, but yet again, they failed to provide me with a copy of any viable evidence submitted by the Bankruptcy courts substantiating their claims, which is an additional violation of The Fair Credit Reporting Act 611 ( a ) ( 7 ).  Given that I believe that they are acting in bad faith, and have not complied with the FCRA. I have attached proof from the courts that they do not provide any information to credit agencies. And I have maintained records of all actions. The agencies claiming to get information from a court, when its actually obtained from an unnamed 3rd party that could be easily be considered false information on my report. I repeatedly requested for the Bankruptcy be removed from my report because it is an inaccurate unverified account.

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 2018-08-29 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: FL

Complaint narrative:
Someone fraudulently attempted to use my credit information. An inquiry showing up as XXXX showed up on my TransUnion today. I initiated a security freeze then attempted to call TransUnion to fix the problem. Firstly, the call center is in XXXX and I could barely understand the person I was talking to. Second, they wanted ME to contact the creditor, get a letter of validation, then mail it all to TransUnion for them to review. This process takes much longer than it needs to and is difficult to understand. I am being punished as a consumer by being forced to spend my valuable time to fix a problem that was created by a criminal. I am upset, confused, and I just want my information protected.

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 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
I opened an account with XXXX which is part of BBVA compass as per the bank statement I receive. They had a sign-up bonus of XXXX . I have met the terms of promotion. They still have not deposited the XXXX $ and don't give me a good response when I contact them. They have stopped responding all together now. This is a breach of their terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am currently a Bbva customer, I have been charged nsf fees in the amount of $ XXXX.They stated that I didnt have funds available. As a matter of fact, I had more than available funds in the account to cover the transactions. This bank is operating just like XXXX XXXX used to do, they hound you like crazy when you go into their branches and when its time for them to resolve an issue for a customer, theyre no where to be found.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-29 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 

XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX ( XXXX : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Experian : XXXX XXXX   : XXXX ) XXXX XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX  : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX  XXXX XXXX XXXX ( Experian XXXX ) XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX  XXXX ( XXXX : XXXX ) XXXX XXXX XXXX XXXX ( Experian : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX  XXXX ( XXXX  : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX ) XXXX XXXX XXXX ( Equifax : XXXX Experian : XXXX XXXX  : XXXX ) XXXX XXXX ( XXXX  : XXXX Experian : 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 2018-08-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
Hello, I previously had a mortgage with XXXX XXXX XXXX. Upon the loan being transferred, I completed a loan modification. The loan mod was supposed to eliminate XXXX. I am under water by over $ XXXX. Well, the loan was transferred to Carrington Mortgage. The terms of the loan modification did not carry over to the new lender. Now, the XXXX, that was supposed to be forgiven once I came out of the loan modification. That never occurred, additionally, XXXX  XXXX XXXX reported the mortgage late the entire time. Thus my home is still under water and the XXXX k was never forgiven

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: PA

Complaint narrative:
National Recovery Agency was reporting two debts on my credit report. I have never received written notification describing the alleged debt or who the original creditor is. I disputed it with the three major credit agencies and while one of the accounts were deleted as a duplicate, the other remains because National Recovery Agency certified it as mine. I then sent National Recovery Agency ( the furnisher ) a direct dispute via certified mail according to my rights under FCRA and CFR 660.4 but never received a response. The letter was signed for by XXXX XXXX XXXX according to my proof of receipt ( see Attached ).  This negative account is impacting my credit and interest rates and is not a good representation of my credit-worthiness.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had deposited a check for {$13000.00} on XX/XX/XXXX in my saving account number XXXX with US Bank in XXXX XXXX, CA branch. Check was from credit card from XXXX XXXX XXXX. XXXX XXXX XXXX real SED the check to US Bank on XXXX.on the day of depositing US Bank gave me a letter that would release as two part that the last part would be XX/XX/XXXX. I tried to transfer if part suposdy is realer while ago to my checking account but didnt let me do. I called customer service they sent me to branch! In branch about two hours I tried to see why I have no access to my money, even I asked them several times to close my account verbally and by faxing them in written. Then they called to my sister that had no business on this saving account and gave up my privet information to third party. 
I have right to close my account anytime I want. But US BANK IS AGAINST LAW NOT ONLY DENIED MY LEGAL REQUEST BUT HOLDING MY MONEY AGSINST MY CONSENT FROM XX/XX/XXXX and causing fainacial and social damage to me and my reputation. 
They should not only close my account upon my request but also pay me interest plus APR and punitive damage they have did.they should be punished for breaking law and limiting my right in accordance with constitution and federal laws and state 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 2018-08-30 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I've disputed online via my Experian credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or 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 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I took a personal loan with PNC bank on XX/XX/XXXX for {$1000.00} with a maturity date of XX/XX/XXXX and interest rate of 15 %, I have been making payments, I was late a couple of times. I called in XX/XX/XXXX and stated that I could not make that months payment and advised the representative to start automatically deducted that payments from my checking account for the XXXX, and every month since then PNC have been deducting XXXX from my checking account and sending me the copy of the checks, so I thought everything was up to date and current, until PNC drafted {$69.00} from my checking account on XX/XX/XXXX. I called in and spoke to a representative that advised me that my account was past due and {$69.00} was the past due payment of {$34.00} and the current payment {$34.00}. I logged into my account to discover that between XX/XX/XXXX to the current that the payments that have been made totaled {$470.00} and {$280.00} is late fee, {$130.00} applied to interest, only {$49.00} was applied to the principal and I still owe {$880.00}, {$840.00} is the principal balance, {$40.00} is fees and {$4.00} is interest on a {$1000.00} loan. I was advised that the {$69.00} payment was to bring the account current. I payment of {$30.00} was sent by my payroll department on XX/XX/XXXX. I started receiving collection calls on XX/XX/XXXX for the {$4.00} difference. I logged on the PNC and made an additional payment of {$10.00} on XX/XX/XXXX. I was told that I would not get any more late fees unless the minimum payment was not made by the XXXX, since then I have incurred another late fee. I have called in several times to attempt to get some assistance with the account and have not been successful. I was contacted by XXXX XXXX in the executive office by email on XX/XX/XXXX and explained to her what happened on the account and she said she would get back to me in a couple of days. I have left several voice mails and spoken to other people in her department and I have not received a response as of today 's date.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX IS A COLLECTION AGENCY THAT IS STATING I OPENED XXXX CELLPHONE ACCOUNT XX/XX/XXXX I HAVE NOT OPENED AN ACCOUNT WITH XXXX AS IVE HAD XXXX. I USED TOO HAVE XXXX YEARS AGO BACK INXX/XX/XXXX. ACCOUNT NEEDS TO BE DELETED AS IT IS FALSE INFORMATION ON MY CREDIT REPORT. AMOUNT STATING OWED {$1100.00}.

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 2018-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
After checking my credit report, I notice a lot of hard inquiries. 

So I called Equifax and ask them to delete it from my credit report, their customer service would not help me and take care of this negatives inquiries. Telling me to call each company and request them to send Equifax a document asking them to delete it from my report. 
This is the list that I want it to be removed XXXX XXXX XXXX   inquiry fromXX/XX/XXXXXX/XX/XXXXXXXX inqury from XX/XX/XXXXXXXX XXXX inquiry from XX/XX/XXXX XXXX  information XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry XX/XX/XXXX XXXX   inquiryXX/XX/XXXX XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX XXXX  inquiry from XX/XX/XXXX All this hard inquiries are hurting my credit score, and I need to remove it, i believe them to be frauds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CHECK INTO CASH INC.
State: VA

Complaint narrative:
In XX/XX/XXXX, I opened a line of credit as a temporary measure for upcoming bills. The APR was astronomical ( 299 % ) and was difficult to pay off, but I did so by XX/XX/XXXX. I called in, finalized my last payment, and asked to close the account. I was assured the account would be closed. I also asked if there was any interest that had not been shown on the last statement which might accrue after the next billing cycle. I did this to prevent any unknown charges going forward. Again, I was assured that all the outstanding interest was taken care of with the last payment, and that the account would be closed. I asked these questions more than once, to avoid any miscommunication. I never received any correspondence stating the account had been closed, but didn't hear anything further and checked my account after the next bill had cycled and no further interests or payments were due. However, after almost 9 months of no communication from the Check Into Cash company, I received an email onXX/XX/XXXX stating I had am upcoming minimum payment of {$10.00} due onXX/XX/XXXX. I received another email this morning ( XX/XX/XXXX ) concerning the same {$10.00} payment due on XX/XX/XXXX, and the email encouraged me to log onto my account and to make a payment. It was at this point that I called the company, and was transferred twice between various departments, finally speaking with a gentleman named XXXX. XXXX did some research and said it appeared that a {$10.00} membership fee had been posted to my account due to a technical error. He couldn't really explain how this error occurred, he said it was something that was missed by the person who closed my account for me. What if I had closed that email address, and this {$10.00} increased with interest and affected my credit?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 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 — Their investigation did not fix an error on your report
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I've disputed online via my XXXX credit monitoring service. I've also sent in writing via certified mail a request asking the form of verification in which I received no reply. I then I resent the letter plus I called and asked for method of verification and they still won't supply me with it, only stating the the creditor has verified it's being reported correctly. I did receive a letter from the collection stating the account is open, or 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 2018-08-30 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I wasnt able to payback on loan due to lost of job. Im now catching up on my bill and can not afford to pay loan back. I would like for loan to be adjusted off as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I opened a Bank of the West checking account online because the Company offered a {$150.00} bonus for any new checking account customer. The online banner never mentioned a code that needed to be entered with the application. Once I clicked on the link, it took my information and told me I had successfully opened a new checking account. 
The account was opened in XX/XX/2018. 
I initiated direct deposits from my employer to my new BofW checking account. I also completed the ten ( 10 ) qualifying debit purchases before XX/XX/2018, as required by the online marketing materials. I also called the Bank before XX/XX/2018 to ensure that I had met all the requirements. I was assured multiple times that I had met my end of the bargain. I was told to sit tight and wait for my {$150.00} bonus to get processed. 
I called the Bank in late XX/XX/2018. 
I was told that my {$150.00} bonus would likely be paid on or around XX/XX/2018. 
Once that date passed, I continued to call and they explained that they were undergoing delays with this marketing campaign. 
In XX/XX/2018, I was told that my {$150.00} bonus would likely be paid by XX/XX/2018. That day passed, and they told me that any further inquiries would need to be handled directly by the XXXX XXXX, CA branch. 
I have never been to the XXXX XXXX, CA branch. I live two ( 2 ) cities over and apparently was assigned to this branch, though I had opened my account online. Had I been given the option, I would have selected a branch closer to my work, where I do most of my banking. 
In midXX/XX/XXXX, I was told that XXXX at XXXX XXXX said that my online application never included a promotional code and as such I was not eligible for my {$150.00} bonus. She told me that only the Bank of the West XXXX XXXX XXXX XXXX could waive that requirement. 
I called the XXXX XXXX XXXX and I spoke with someone at Bank of the West who indicated that the XXXX XXXX XXXX did not want to speak with me. They sent me back to XXXX XXXX, CA and stated that the branch had to decide whether or not to waive the online promotional code violation. 
It's now almost XX/XX/2018 and I keep getting the runaround. 
I last spoke with XXXX at the XXXX XXXX, CA branch and she told me that because I had complained, she could no longer address my concern. 
What is a U.S. consumer to do when a bank like " Bank of the West '' doesn't honor it's own marketing materials for opening a new online checking account? 
Please advise.

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 2018-08-30 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: U.S. BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is demanding that I get a credit card from US Bank which is a substandard credit card company and has many complaints filed against it. 
To give you a background of my concerns, a couple of years ago, US Bank was incompetent on reporting a hotel charges on a credit card account I had to usein a timely manner. They reported me late due to their negligence and tried to ruin my A+ credit. It took them over three months to correct. Not only this, they charged the account for {$80.00} for some perk program I declined. I tried to get them to remove and waive it which they refused. I ended up paying it out of my pocket to ensure my credit didn't get blemished. Now XXXX XXXX is demanding I get this credit card on my credit rating which I do not want associated with my credit. 1. US Bank is a client of XXXX XXXX and there is a conflict of interest here as there are others who clients whose credit cards are not considered. 2. US Bank is a credit risk to my credit ratings. 3. US Bank is a reputational risk to my credit along with others along with XXXX XXXX. 
If I must adhere to XXXX XXXX 's compliance which advises employees to point out reputational risk and conflict of interest which they choose to ignore, how do I make sure US Bank is not connected to my credit? Is there a waiver I can sign to ensure that US Bank does not report this card on my credit? I work too hard to keep my credit at an A+ status.

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