vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
I have been trying for several weeks to settle or pay off the amount that I owe. Every time that I call, I am told that I need to call back at a later time because the department that handles my case is not available. For whatever reason, they never seem to be available, and there is no additional number to call for assistance, or an email address. 

Today alone I called 5 times. The first time I was hung up on, the 2nd time I was told that the department couldn't be contacted and maybe in a meeting, 3rd I was told the call back 20 minutes later, the 4th time I was told to try calling back again, and the final time I was told that the team would not be avaiable until tomorrow. 

This has happened to me on countless occasions. I am trying to pay off this debt so that I can be frr of it an XXXX feel like I am being penalized or just being manipulated at this point. I have even reached out via email, via customer portal, and customer chat, with the same responses every time ( the department you need to reach is unavailable ). 

Can someone please help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been unsuccessfully attempting to temporarily thaw my credit freeze with Transunion since XX/XX/21 through XX/XX/21. I have attempted to call with no success and attempted the online chat. Their customer service is atrocious and completely unproductive. The only reply I get online is " The Transunion Credit Freeze Service is temporarily unavailable ''. I had no problems thawing my credit with XXXX or XXXX. Thank you for any assistance you can provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: KY

Complaint narrative:
On XXXX I deposited a cashiers check for {$20000.00} for an engagement ring. I was not notified until after the transaction that the funds would be under two separate holds. I would be allowed {$5300.00} to be released on XXXX and the remainder to be released on XX/XX/15. When I called and spoke with the representative on XXXX XXXX XXXX at US bank on XXXX XXXX, XXXX Kentucky branch number XXXX. She informed me that despite it being a guaranteed check the two separate holds were standard procedure when I reached out to my loan officer with the news, she assured me this was inaccurate. She then called the bank on my behalf to verify her position with the bank and provide any credentials needed. XXXX XXXX continued to say that this was standard procedure even given the proof that the financial institution guaranteed the deposit. I have since been promised a call from the branch manager, however when I call. My calls are denied unless I call from a number not attached to me. I have reason to believe this is extremely unnecessary in this situation and would appreciate any help available. 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 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: NC

Complaint narrative:
This is a medical debt that occurred in the state of California in XXXX, through XXXX XXXX XXXX XXXX. Org amount : {$470.00} Amount now {$750.00}. Now showing on all 3 credit bureau 's as Rash Curtis and associates. 2 things. 1. THE ORIGINAL CONTRACT TO THIS ACCOUNT HAS BEEN CANCELED. 2. DATE OF SERVICE PAST STATUE OF LIMITATIONS FOR MEDICAL DEBT IN THE STATE OF CALIFORNIA- WHICH IS 4 YEARS. I have called this company, disputed it with XXXX, XXXX and XXXX, which every single time this company verifies the information as accurate, and it's not, and because they are verifying inaccurate information accurate, its staying on the 3 credit reports. This is not legal, the original contract has been canceled!! This needs to be taken off and fixed and I have tried reaching out to the company and credit bureau 's and this has not be looked into properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank claimed my mortgage payment due XX/XX/2021 was late. The payment was scheduled through the US Bank website and applied on XX/XX/2021, and then reversed by US Bank into their own suspense account on XX/XX/2021. On XX/XX/2021 I received an email indicating that the payment was 6 days past due. 

US Bank customer service was unable to provide an explanation or immediate resolution to this error, and also locked out my ability to make payments through their website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
Hello. When I applied for Barclays JetBlue Business Credit Card, points offer was XXXX sign-up bonus, ( XXXX bonus points after spending {$1000.00} within the first 90 days, and additional XXXX bonus points after spending a total of {$6000.00} on purchases within the first 12 months ). I have a screen shoot of my application that has date on it ( see attached ). I got first part of XXXX, but not the second one. I've called numerous times and opened up a case # XXXX to get 2nd XXXX point, but nothing has happened. It's been going back and forth with emails and promise of a phone call. Please help. 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 2021-09-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC
State: PA

Complaint narrative:
I have disputed this account with Enhanced Recovery Company to no avail. I paid this account a long time ago, when I did the agent I spoke to told me they would remove the account for payment. The account has continued to report to my credit, and my disputes have been ignored. I have never received anything in the mail from ERC. My rights as a consumer have been violated, please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
I have had multiple overdraft fees and returned payment fees due to my account being low. Im currently out of work and have cancelled a payment but for some reason Bank of America is trying to pay the bill anyways though it has already been run and returned for which I paid a fee for each occasion. At this point I have paid and/or owe around XXXX $ in overdraft fees associated with the account. Payment dates are being changed on my account to reflect in favor of the bank where I can be charged overdraft fees. It will show a payment going through on the 2nd of the month then change to the XXXX to make my balance negative. I have tried calling and was told they are unable to refund these charges despite me being out of work, etc. I have another complaint ongoing and have tried to contact them to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have sent multiple letters asking for validation and the method of how they validated multiple fraudulent and questionable items on my credit report and have not received back anything in over 45 days for these accounts that are clearly inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers, and this has caused a big stress on my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
on XX/XX/2021 I received a letter from XXXX XXXX saying that my personal information including my medical records had been compromised on a cyber security hacked into their system on a letter that I will attach with this dispute. I had gotten multiple letters from transworld systems including medical records but when I ask them for medical release records in which I authorized third parties to have my medical records they totally ignore my dispute to the point that they are sending the same illegal and law breaking letters and just changing the date but still have the same response without providing medical releases. ON THIS DISPUTE I DEMAND TRANSWORLD SYSTEMS TO SEND ME MY MEDICAL RELEASES WITH AN AUTHORIZE SIGNATURE EITHER BY ME OR XXXX XXXX XXXX XXXX XXXX XXXXXXXX. IF TRANSWORLD DECIDES TO IGNORE THIS DEMAND I WILL HAVE NO OTHER OPTION BUT TO SEEK LEGAL COUNSELING. HOW DO I KNOW THAT TRANSWORLD SYSTEMS ARE NOT THE CYBER SECURITY HACKERS IF THEY CAN NOT PROVE OTHERWISE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: NC

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

TRANSUNION : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} XXXX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}

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 2021-09-07 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: NC

Complaint narrative:
This information reporting on my credit profile is inaccurate and I would like you to validate that it belongs to me per the accounts below. 

XXXX : XXXX XXXX Original creditor : XXXX XXXX  {$800.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account XXXX  XXXX Original creditor : XXXX XXXX XXXX {$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Open account Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00} EQUIFAX : XXXX XXXX XXXX Original creditor : XXXX  {$520.00} Balance updated Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$520.00} XXXX : XXXX XXXX Original creditor : XXXX XXXX 
{$520.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am contacting you because XXXX, Transunion, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, Transunion, and XXXX regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am contacting you because Equifax, XXXX, and XXXX have violated my consumer rights for a fair and timely investigation into items being reported on my consumer credit report. I submitted a dispute letter to XXXX, XXXX, and Equifax regarding fraudulent information on my credit report. It has been almost150 days, I have not received any information about this investigation, and these fraudulent items remain on my report. It seems as if these companies deliberately have discarded my letters. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA

Complaint narrative:
My insurance company sent a yearly invoice for payment to my mortgage company " Lakeview Loan Servicing '' /XXXX ''. The policy number is XXXX with an expiration date of XX/XX/22. Lakeview still has not paid the invoice, and are indicating that my information is " outdated ''. They have had the same insurance information for years, and my homeowners insurance company has not changed. Why havent they paid this invoice, and why are they pretending like its up to me to update it every year? It is automatic, my insurance company bills Lakeview Loan Servicing. My Lakeview account number is 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 2021-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: VA

Complaint narrative:
US Bank appears to be in violation of the PMI Cancellation Act. An extra principal payment was made on XX/XX/2021 on a mortgage serviced by US Bank to reduce LTV under 78 % on a mortgage originated in XX/XX/2021. I spoke with a representative at US Bank 's PMI department on XX/XX/2021 who reviewed my account and indicated that PMI would be removed from future payments and that no further action would be required, and that a BPO  was not required. This change was not reflected in the payment due XX/XX/2021 as promised. On XX/XX/2021 I spoke with a US Bank customer service representative who indicated that the original request for PMI to be removed was denied on XX/XX/2021. I was not informed of this decision and received no explanation - after being explicitly told that PMI had been removed in the previous phone call. On XX/XX/2021 I spoke with a customer service representative who initially claimed that the request was denied because I was required to pay for a Broker Price Opinion ( BPO ) before PMI could be removed, in direct contradiction to the promise made on XX/XX/2021 - on a loan with LTV less than 78 % that originated less than 5 months before the request was made to remove PMI on XX/XX/2021... but then said, again, after reviewing my account, that any requirement for a BPO was waived and not required to have PMI removed and that no further action was needed on my part, and that PMI would be removed immediately. US Bank failed to follow through and remove PMI upon my original request on XX/XX/2021 after asserting that a BPO was not required, which I believe is a violation of the PMI Cancellation Act. In another call, a representative ( whose employee ID is available on request ) then indicated on XX/XX/2021 that PMI would be removed without the requirement for a BPO, and that the removal of PMI would be reflected in the next statement. I am documenting this failure to remove PMI when all legal requirements were met, and to verify that US Bank twice indicated that a BPO was not necessary after reviewing my account, and seeking confirmation that the failure to remove PMI after receiving verbal notification that it would be removed constitutes a violation of the PMI Cancellation Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07 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: I.C. System, Inc.
State: GA

Complaint narrative:
I received a bill in the mail around XXXX stating I owed a bill of XXXX dollars for a hospital visit. I reviewed the information and realized that this was for a visit that I never had. I have never been to XXXX Georgia but they are claiming that I received services from them as of XX/XX/2020. My issue is that I again have never been to XXXX GA. Now they have placed this on my credit which is becoming a hassle to have removed. In addition to this, me and my insurance provider reached out to the company seeking resolution but they gave us the run around. I requested verification by way of identification they used to process this and they stated I was unconscious. It has been a nightmare and still I am being affected by this foolishness.

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