vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: AZ

Complaint narrative:
On Tuesday, XX/XX/2018 I received notification from XXXX that my credit score had  dropped due to a collections that had been posted to my credit history from a creditor named XXXX XXXX ... an apparent creditor for XXXX. The collections agency assigned to collect the debt is XXXX XXXX XXXX ( XXXX ). 

I spoke with a representative who identified himself as XXXX XXXX with XXXX XXXX XXXX and he told me that they showed I owed {$710.00} on an open XXXX Account, account number XXXX. 

The credit change to my report stated that between XX/XX/2018 and XX/XX/2018 a " new account '' was added in collections to my credit report. 

I have no open, unpaid accounts with XXXX and this bogus, ridiculous hacking of my credit report is unacceptable and I would like evidence of my obligation to any XXXX account. 

I think it's an outrage and a discredit to XXXX XXXX apparent inability to identify closed, paid off accounts and I dispute this derogatory mark that they have placed on my credit report and would like it removed immediately. 

I have had repeated issues in the past with harassment from XXXX on either a bogus account or accounts that were not properly reflected as paid off. 

My credit score has gone down nearly 30 points because of this inept misinformation presented by XXXX XXXX and the XXXX XXXX XXXX. Please help me resolve this matter. 

Thank you, XXXX XXXX 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 2018-09-11 00:00:00
Product: Student loan — Federal student loan servicing
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: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/18, I received an alert from a credit monitoring system that I was 90 days late on my student loan serviced through Nelnet. I called and spoke with Nelnet and advised that I had spoke with a representative back in XXXX. I asked her what we could do to try and remove the 90 day late pay and she immediately jumped to defense and only told me that she could not do this and that the late pay would stay. She never offered me an investigation or even to speak with upper management and now this has totally ruined my credit because of error that they made on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have repeatedly over the last 3onths reached out to XXXX CBNA to resolve a card with fraudulent charges. The card was charged off 2 years ago. Before the charge off I called in to let them know of the theft. My online account access was removed and so I assumed everything was taken care of. Now they are reporting the charge off for fraudulent charges to my credit. I have requested documentation from them several times and they responded that they don't have it. They have no signed receipts, no notations of my contact previously and little else. They refused to open a fraud case because I do not have the statements. They also do not have any documents. They laughed at me and told me there was nothing I could do about it and that I'd have to just pay them. These are fraudulent charges and shouldn't be collected not reported to my credit! I even filed the FTC affadavidt with the bureaus and CBNA.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AZ

Complaint narrative:
I'm getting duplicate overdraft fees that feel rather predatory in their issuing. I contacted US bank to resolve it, but they wouldn't do anything.

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 2018-09-11 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: Freedom Mortgage Company
State: MA

Complaint narrative:
My wife and I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting that Freedom Mortgage has made " hard inquiries '' into our credit file, without our consent. 

The company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX we connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded line. 
XXXX confirmed the problem was real, and it had been happening to others. 
XXXX state XXXX  sold them our social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, although he never ever took any further calls, or return voice messages left. Attempts to reach him were un-successful. On way call made to the company, XXXX spoke to me through a CS representative, whom he advised and it was repeated over/over, he could not take my call, that he was in a meeting. Yet he spent over 20 minutes repeating this to the CS that tried effortless to get him to take the call. 

After checking back with the credit bureaus suddenly the inquiries disappeared from XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified his self as a sales Manager named XXXX XXXX, who said he too would look into, and get back with me. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I have 2 types of complaint - 1. US Bank 's Insurance Service Department has received a check issued me by my homeowners ' insurance carrier - water damage claim - and US Bank has been very unhelpful, slow, and somewhat secretive about how I can get them to release the money so I can pay the contractor. It now looks like they want the job to be 90 % complete and inspected by them before they release the first dollar. This is unfair, too restrictive, and very bad service. I'm XXXX years old and feel that maybe I'm being treated this way because of my age. 

2. I tried to pay extra principal to my mortgage account with US Bank today, and the website won't accept the money, and several US Bank representatives - I've talked to 3 - aren't able to explain why they won't accept my money. In my opinion, they are deliberately trying to discourage mortgage customers from paying early.

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 2018-09-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pending Company Match
State: CA

Complaint narrative:
I answered an online add on or about XX/XX/2018 from XXXX XXXX XXXX claiming that I could save on my mortgage payments. I completed the online application. The site said that, if they couldn't offer a lower my rate, I would get a " prepaid {$250.00} Visa gift card. '' Please see the attached screen shot of this claim. 

I presently have a loan that I recently got at 3.40 % for {$430.00} K, paying {$1900.00} per month, fixed for 30 years. 

The answer I got on the online site was, as you can see, that my payments " could be as low as {$8000.00}! '' I called the number on the website and first spoke to XXXX in XXXX, MI. He then transferred me to XXXX at XXXX. I told him that his company should send me the {$250.00} gift card. He said, " Oh, that was only for loans to be funded only after XX/XX/XXXX of this year. '' I reminded him that there was no  mention of that date on their advertisement, as one can see from the attached webpage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My transunion report show a collection account thats is not valid and does not belong to me, under FCRA transunion has failed to provide me with the proper procedure they follow to investigate a collection account that does not belong to me. i would like this collection account deleted from my report with any further delays as its hurting my credit. 

XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL 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 2018-09-11 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Im the victim of identity theft. I purchased a credit card with Navy Federal Credit Union in XX/XX/2015 and made on time payments through XX/XX/XXXX. In XX/XX/XXXX my wallet was stolen at the XXXX XXXX bus terminal where my valuable items were inside ( Social, debit card, credit card, ID ). I was on my way to an interview when this happened.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: MT

Complaint narrative:
On XX/XX/2018 at XXXX XXXX I placed a Sell Order for .XXXX Ethereum for a total ( USD ) XXXX according to the Order Form. After having Placed the Order I received only ( USD ) XXXX. Please see the attached photographs as evidence and proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
Had fraudulent activity on my card that included purchases and credits. Charges were as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ECLIPLSE SAMPLE SALE credit XXXX I was hospitalized at the time and reported fraud. My fraud claim was denied for no apparent reason. I proceeded to send hospital records, and was told that wasnt sufficient. I then filed a police report and sent to them. They said it wasnt sufficient still because it wasnt signe, which it was. All of this was not communicated to me, and I have tried calling today XX/XX/18 six times. They couldnt hear me 4 times and hung up on me 2 other times. I need my money back. Meanwhile I have paid the minimum payment and have accrued interest charges. I am owed {$870.00}, plus interest charges. Furthermore, they did not send me a statement for XX/XX/XXXX, and I had to login to pay, luckily I have my payments scheduled in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: NJ

Complaint narrative:
EQUIFAX is reporting 5 collection accounts that do not belong to me & must be deleted immediately, under FCRA EQUIFAX failed to timely investigate the dispute & provide proper procedure to handle the dispute. 
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX {$500.00} XXXX   # XXXX {$100.00} XXXX # XXXX {$270.00} XXXX # XXXX {$860.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Re : Bank of America Cash Rewards Credit Card I signed up for a Bank of America 's Cash Rewards Credit Card because their Ads state, " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening. '' I opened up the account over the phone in XX/XX/2018, made all applicable purchases within the given time frame, and paid my bills in a timely matter. I waited 3, 4, 5 months, and I never received a bonus. I called BofA to check on the status, and they informed me that I do not qualify for the bonus because I didn't apply ONLINE. I, along with a lot of other consumers am baffled by this. Please refer to their website : XXXX XXXX XXXX Nowhere next to the statement " {$200.00} online cash rewards bonus if you make at least {$500.00} in purchases in the first 90 days of account opening '' does it mention " account opening ONLINE ONLY '' or an " * '' noting conditions voiding phone applications. This is really misleading to the average person. I opened up the account because of the bonus offer. I feel like this is a nasty bait and switch scheme Bank of America is  playing with the general population. 

Please note, at the time of application I was not able to complete the online form due to my circumstances at the moment -- thus I had to apply over the phone as it was more convenient for me. This is discrimination for those that are incapable of applying online.

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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
The CFPB has jurisdiction over this isssue because as a consumer I have been victimized by unfair, deceptive, and misleading practices by the bank where I Have been a loyal and responsible user, discriminating against me unfairly and without good cause. Therefore, I am protesting the wrongful and unlawful closure of my credit card ending in XXXX that was NEVER DELINQUENT. 

1. I opened this credit card around XX/XX/XXXX and was NEVER DELINQUENT, as you can see by my credit report this card was never 30 days late, etc. because I managed this debt responsibly. I am XXXX due to XXXX, and I require this card to make medical purchases. 

2. On or around XX/XX/XXXX my card was lost and I contacted BBVA Compass Bank to request a replacement be mailed to me. 

3. While waiting for the card to arrive, I paid the card in person at the branch. I was informed at the branch the replacement card was on the way. I was never informed by the branch this card was closed, and I had no reason to believe my account was closed. 

4. After waiting for months for my replacement card, I checked the status online : As of today online the account shows available credit of {$490.00} ( Exhibit 1 ), 5. Also, because I have still not received my BBVA Compass Bank credit card, I phoned in to Compass Bank, and was informed today that my account was closed because it was late, which is why I was not issued a replacement credit card.

5. Compass bank is misleading me by violating Regulation Z Truth in lending by stating to me the account is closed yet reporting an available credit for this account online. I never received a notice this account was closed, nor did i have the option to dispute this, and I would not have suspected this account was closed because the website states an available balance. 

6. To investigate this matter I went to the added expense of pulling my credit, and was surprised to find out from my credit report that this account was closed despite the fact that the credit reporting shows it is never late ( Exhibit 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: IL

Complaint narrative:
I had three unauthorized debits from the checking account I share with my wife : XX/XX/2018 ( tran date XX/XX/2018 ) : {$31.00} - XXXX # XXXX - XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$76.00} - XXXX XXXX # XXXX - XXXX XXXX XXXX, IL XX/XX/2018 ( tran date XX/XX/2018 ) : {$110.00} - XXXX # XXXX - XXXX, IL On the date in question ( XX/XX/2018 ) both my wife and I were working in downtown XXXX. On the weekend prior, we had taken a trip to XXXX XXXX, WI. 
It is my theory that my debit card was skimmed at a gas station on the way to or on the way back from this trip. Possible gas stations include : XXXX # XXXX XXXX XXXX IL XXXX XXXX XXXX WI Although I can't say for sure, I suspect the XXXX in XXXX, IL as one can easily draw a line from there to the three merchants in question. 
( see map : XXXX XXXX XXXXXXXX ) On XX/XX/2018 I reported these transactions to the Chase Customer Claims Department ( claim number XXXX ). They canceled my debit card, issued a new one, and issued a temporary credit on my account while they researched the issue. 

On XX/XX/XXXX, Chase issued an update. They decided that the items reported did not require correction and that the temporary credit on my account would be removed. 
At this point, I called the Customer Claims Department, expressed that this was unacceptable and asked that they reopen the claim. I was told that the reason for their finding was that the merchants in question were close to my place of residence ( XXXX County / XXXX ). I explained that I was working downtown on the date in question, that these transactions were all in different suburbs, and put forth the hypothesis explained above. They said they would get back to me with their new finding. 

On XX/XX/XXXX, Chase issued an update stating that the transactions I disputed would remain on my account, having determined that they were valid.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-11 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: TX

Complaint narrative:
As stated in the FTC Affidavit that was sent to EQUIFAX and I will attach again to the CFPB Case i am submitting now. I am a victim of ID theft. I am requesting the Accounts be blocked that were placed from EQUIFAX on my credit reports. These accounts are fraudulent and are listed on the FTC Affidavit. You are required by law to follow the FCRA Requirements when someone is a victim of ID theft. I have a right to request actual documentation if you keep trying to be accusatory and saying these fraudulent accounts are mine. These are not my accounts. My identification documents were stolen and these accounts were opened. You have not performed a proper investigation either as you would know these accounts were opened without any signature card online with XXXX XXXX. XXXX XXXX has a policy to not open any accounts or allow accounts to be accessed without a signature card on file. I never received one and I never signed one. These accounts were opened at a fraudulent address. Yet Equifax continues to ignore my attachments and continues to report fraudulent accounts back onto my credit file. I do not authorize you to place fraud on my credit report, You are the only credit bureau whom continues to report fraudulent information. You are the only credit bureau that keeps trying to blame me for fraud committed. I have not opened these accounts. You have not verified any information, You have not submitted any information. Therefore the information you are reporting is inaccurate, Fraudulent and False. You are illegally reporting fraud on my credit bureau report. Once again I am attaching the FTC Affidavit. I am Exercising my right as a victim of Identity theft to have these accounts blocked. You must follow the laws put in place to protect consumers. You have law enforcement documentation you continue to ignore. As a credit reporting company you can not violate the FCRA laws and yet you continue to do so. Nothing has been done to resolve this. I did not apply for any accounts online, and without any further documentation providing proof you can not say you verified anything. What are you verifying? Where is your documentation providing proof of investigation and what the results were? Again you are violating laws put in place. Please review with the FTC if you do not know how to handle victims of identity theft. As a consumer reporting agency you must block the information i provide proof that is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
An XXXX check for XXXX was deposited by mobile phone on XX/XX/2018 and the bank put a hold on it until XX/XX/2018. The funds will be unavailable until then meanwhile the bank can use our funds with out paying interest on that amount. These funds are for reconstruction of the water damaged kitchen and are desperately needed.

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