vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP
State: IA

Complaint narrative:
Back in XXXX, I opened a checking and credit account as a business partnership with another individual. Shortly after opening the accounts I decided to end to the partnership. 
I had gone in and closed the business accounts. Both accounts had XXXX balance. They did end up closing the checking account at that time, but I was still getting emails and mail about the central credit account associated with the account. I ended up going to the bank about four separate times to see why I was still getting mail and to confirm that they closed it. I finally stopped getting mail in regards to the account, so I was under the impression they had finally fixed the problem. Fast forward to XX/XX/XXXX and I get a call that the account was over due with a balance of over {$20000.00}. I then went in and and they said the account was still open and closed it and that the partner associated on the account under his card had racked up a bill and had used it to pay for his wedding. The account was at XXXX balance for over 4 years and suddenly they have these charges on there. They basically just told me to pound sand and there was nothing they could do to get this out of my name. I contacted accountant, lawyer and police and was told that i could have him arrested over it but my best option was to just let it be if he kept on payment. He had up until recently so now it is in collections under my name even though the card that was charged is under his name. US bank failed in their fiduciary duty and has created a great deal of emotional stress for me and my family over this as well as hurt my credit. They also allowed this account to go from {$7000.00} credit line when it was originally opened to over {$17000.00}. They also will not give me exact dates or specifics that I have been asking for. I am at loss for words on how they could let this happen.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I continue to receive regular emails from Experian, including alerts notifying me of changes in my credit score, and warning me about changes to my credit report. When I navigate to the Experian.com web site, I am not able to log into the site. The web site tells me that my email address is not valid, even though it is the same email address where I am receiving the alerts. I have wasted hours trying to navigate the phone supoort, inputting all of the requested information to the automated phone system, only to have it re-direct me back to the website where I still can not log in. This is infuriating to say the least. The only reason I have an account with Experian in the first place is because my information was compromised by XXXX. Now, I am receiving alerts from Experian, but unable to access my account, view any details of the alerts I am receiving, or contact any person at Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: U.S. BANCORP
State: WI

Complaint narrative:
In XXXX our credit card was stolen. We canceled the card with US Bank Visa. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went XXXX XXXX and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the XXXX XXXX report verifies that fact. I'm very upset at the the system and I have cut up my credit card with US bank. I need our help to correct this injustice. Thanks you 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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2019 I disputed a charge off student loan through Experian. The loan is from Us department of education. I sent a second round letter to Experian asking for the documents they used to verify my account. On XX/XX/2019 the investigation came back verified. There was no documentation sent. My loan is for XXXX. I believe that they are in violation of my rights. I spoke with an Experian representative and was rudely told that they verified my account. I told them that I dont believe that they did a full investigation in 3 days. I also asked if the original document was sent over to verify the account, to which they kept telling me it was verified. From my understanding if I asked for the documents used to verify the account and dont receive it. It should be removed off of my account. How can they do a full investigation in 3 days? How can they not send the proper documents as asked for?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I responded to an offer which involved a {$300.00} bonus for meeting certain direct deposit requirements that was being advertised through the bank of america website, I was presented with this offer, as I have an open credit line with them. upon establishing the new checking account, and met all requirements, not bonus payment was made. The first time I called, they assured me the system would kick in after 60-90 days. I have not seen a single Bonus deposit after nearly 6 months. Either I was mislead to open a new checkings account, or their system  is not functioning properly. Either way, they do not honor their word and should not be advertising false claims.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-07 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: WA

Complaint narrative:
I sent in a complaint regarding the lowering of my credit score by 22 points. Complaint # XXXX. I received a form letter today that does nothing to resolve the issue. I contacted Experian again and was told to ask about Negative reporting factors. I spoke with XXXX from Experian and she told me that what is reported on my report is : Non Activity on a Non Mortgage Loan. I ask her which lender reported this and she told me she could not see the name of the lender and therefore could not give me that information. THIS MAKES NO SENSE!! Experian has to know who the creditor is that reported the negative factor. If they do not know who reported the Non Activity on a Non Mortgage Loan then there should not have been a drop in my score by 22 points. Experian can not lower a  credit score with out a legitimate creditor reporting a change. 
Creditors pay to report to Experian, therefore they do know who the creditor is. 
I have every right to know who reported this on my credit in order for me, the consumer, to dispute this factor. I am requesting this information. 
If Experian can not give me the information I am requesting then Experian needs to rectify the situation and raise my credit score back up from a XXXX to an XXXX. 
I DO NOT NEED ANOTHER CREDIT REPORT SENT TO ME along with another form letter. All information on my report is correct. I have had a freeze on all 3 Bureau 's since XX/XX/2017. No one can get into my credit with out me unlocking it. Nothing has change, I have not opened or closed any new accounts. My credit limits have not resin. Again, NOTHING HAS CHANGED!! I am requesting Experian mail me the creditor information that is linked to the NON ACTIVITY ON A NON MORTGAGE LOAN FACTOR. I was told there is nothing else on my credit but this factor that is lowering my credit score. On a side note, XXXX  and XXXX have not lowered my score at all. I have an XXXX on XXXX and an XXXX on XXXX. I will also repeat what was said in the previous complaint. I think Experian is lowering scores so consumers will use their boost app. When I logged on to my Experian acct it noted that if I put information into the app it would raise my score 16 points. Again, a score that should not have been lowered in the first place. Please have Experian send me the lender information ONLY that is attached to the negative factor on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CREDICO. INC
State: SD

Complaint narrative:
XX/XX/XXXX Received a call from Credit Collections Bureau after they have been notified multiple times by certified mail to cease and desist all communications to my number, and that I have retained a lawyer who is in the process of filing bankruptcy for me and the debts with them are included.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: MA

Complaint narrative:
I and my wife have a collection account ( reported by XXXX XXXX XXXX - XXXX ) in our Equifax Credit report that we have disputed as incorrect. This letter is to establish the facts with the supporting documents and request CFPBs help for the removal of the collection account from our Credit reports. 

We stayed at the XXXX at XXXX XXXX XXXX  at XXXX, MA for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues. 

We have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing. 

Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( XXXX ) is not the same. 

The apartment management sent a demand notice claiming the unresolved maintenance issues as damages and the rent until end of notice period ( Total amount {$1500.00} ). We responded thru our attorney with the above facts for the demand notice sent by the apartment management. However, the apartment management did not respond and transferred our account to collection agency XXXX, who have reported the collection account to Credit bureaus. 

We disputed with Equifax credit bureau and they sided with XXXX and refused to remove the collection account since XXXX informed them that we need to pay. 

The collection agency XXXX did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. The demand letter from XXXX also increased the amount ( {$2200.00} ).  XXXX did not accept any reasonable resolution in our interaction with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Santander Bank took the opening deposit which was funded using a credit card on 9 accounts ( which were opened over the last 6 months ) between XX/XX/XXXX - XXXX. Each account had {$500.00} taken from it, which forced some accounts to go into a negative balance. I have received letters and phone calls from there collections department. However, I was never refunded the money on the credit card which had the opening deposit taken from it. 

If they are forcing the accounts to be negative, my credit card should have received refunds this occurred over 2 weeks ago. The bank refuses to talk to me unless I go in branch. When my husband did this, they wouldn't provide him with any information and told him to follow-up the next day. When he did they told him he had to go back to the branch. 

I am requesting the funds be sent to me immediately, any fees associated with being overdrafted, all accounts being closed, and additional money sent to me via check at the address on file. 

I was never notified that there was a limit to the number of accounts I could open or that I should not open up any new accounts. If they would have reached out to me I would have no problem not opening up any additional accounts. 

I have attached the 6 documents I received today that state my accounts are negative. There is additional documents I can not access due to having my accounts blocked

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This is considered a parked debt from a collection agency named Contract Callers. The only reason I knew this was a collection was because in XXXX of this year I noticed it on my credit report. I was never advised in writing. I was never contacted by the company XXXX of this debt. The debt in question is from XXXX. Contract callers is parking this debt as new collection and has it on my credit report as remaining until XXXX, as it were a new collection. I never received bill from XXXX no was I ever notified I owed money. As far as I was concerned when I move Mobile phone companies I ported my phone number because my debt was paid in full. This has been four years. Now this sits on my credit report as a new collection of which I was never informed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 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: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I have been calling and complaining about 6 inquiries on my credit report that XXXX  is reporting : As a last resort since they were not listening to me I filed disputes online. My Dispute # XXXX. 
These same inquires were shown on the other 2 bureaus as well they investigated and then removed. I have reached out to each individual company with no answers or voicemail with no return call. I have reached back out to XXXX  to let them know my findings. They told me the only way I will get removed is to wait until they fall off my credit report. This is unacceptable for me I can't wait until the middle of 2020 to remove something that does not belong to me. Also, it is affecting my credit and trying to apply for a job is hard when you have these kinds of thing bringing your scores down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
held a check for 7-8 days funds availability fund is 3-5 days when to ask the banker to release funds b/c it's been six biz days they said it won't be available for another day or so XXXX XXXX XXXX XXXX XXXX XXXX XXXX  tx 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 2019-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In XXXX our credit card was stolen. We canceled the card with XXXX XXXX XXXX. Card was then reissued. Bill for card did not show up until I called the company and asked where our bill was. I thought with the missing card and the re-issue everything got delayed. They said they had sent the bill out already and I said we never received it. They had sent the bill to our former address that we had not lived at for about 4 years. They corrected the mistake and sent me a new bill to our current address. We paid the bill and never gave it a thought again until this year when we added a new car to our insurance plan. My agent said our rate was increased because of a reduction in our credit score. My insurance company said the problem originated with our credit card company. I contacted the credit card company several times and they were no help and said we can't do anything about it. I then went Trans Union and filed a complaint and they did nothing except send me a report showing my one missed bill with the credit card company that I already knew because they had messed up on the bill. So I have had to pay higher insurance rates as a result. I have never been late in paying my bills and the Trans Union report verifies that fact. I'm very upset at the the system and I have cut up my credit card with XXXX XXXX. I need our help to correct this injustice. Thanks you 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 2019-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Faxed in mod said bk???? have been faxing for a year who filed bk>>> need proof

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Sent in LOAN ASSUMPITON sent in LOAN PACKAGE TO PUT IN MY NAME XXXX sent in LOAN MODIFICATION says cant due to EXCESSIVE FOREBERANCE put offering loan at XXXX why no mod??????? So many packages so many excuses!

Company response to consumer: Closed with explanation