vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I 've had a XXXX account with Bank of America ( formerly MBNA ) since XX/XX/XXXX. On XX/XX/XXXX at XXXX I received an e-mail from Bank of America ( BAC ) informing me that my Virtual Card was deleted for XXXX. When I called BAC to inquire, they told me that the XXXX account was closed and that I was mailed a letter informing me that it would be closed on XX/XX/XXXX for inactivity if I did not make a transaction. When I questioned how this could happen without informing me first, they told me that either a letter was mailed or an email was sent. I told them I received neither. They offered to open a case # for someone at BAC to research the issue and I agreed. On XX/XX/XXXX, they called to let me know that the case investigation was completed. In speaking with the assigned person at BAC, he confirmed that BAC had no record of a letter nor did they have a record of an email being sent to me to notify me of the impending account closing. If I had received such notification, I would have made a transaction which would have maintained the account in Open status. He placed notes in the file confirming this and then transferred me to the Credit Dept. where I was informed that they could not re-open the account and that I would need to re-apply if I wanted the card again. They said this was non-negotiable. I feel this is unfair treatment of a consumer and that they should take responsibility for their inaction by not mailing or emailing the notice to me to give me the opportunity to maintain the 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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
on XXXX XXXX XXXX i filed a complaint file number XXXX XXXX regarding my account at XXXX XXXX XXXX XXXX to correct my paided account to transunion.. they did do that and also agreeded to honor customers request to have it removed from all three credit reporting agencies.. all have except transunion as of this date XXXX XXXX XXXX. i have sent them. transunion the attached letter from the cfpb response from them stating they would request removal of this account in which they sent me a letter stating they had recieved that info .... i have also faxed transunion a letter from XXXX XXXX XXXX stating that they have requested deletion of this account from my report// have called XXXX XXXX XXXX and they tolded me they have requested removal of that account NUMBER XXXX XXXX XXXX..and have asked transunion twice to delete.. in which they have not .. also account number XXXX ... .XXXX XXXX XXXX acct number XXXX was paided in full XXXX XXXX XXXX for XXXX it has been updated to paided in full .. but not deleted per request of XXXX XXXX XXXX for deletion per request of them to transunion. i have talked to them several times via phone also and they stated they have requested deletion by transunion..in which transunion has not done so..by looking that complaint you can see that they stated to that fact of deletion

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 2017-09-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Risecredit, LLC
State: CA

Complaint narrative:
I am a senior citizen and I took out two loans with Rise Credit. The first one I paid off then a few months later I took out another loan. With the most recent loan the contract stipulated that my payments were due every XXXX of every month. During the course of my loan, I missed the XX/XX/XXXXdate and the XX/XX/XXXX due date, this was considered 30 days late. My financial hardship continued and I sought to avoid a 60 day past due status, therefore I was able to gather {$410.00} on XX/XX/XXXX the day my account was due. I knew that a consumer becomes delinquent after missing a single monthly payment. However, delinquency is not generally reported to the major credit bureaus until two consecutive payments have been missed and furthermore reporting to the credit bureaus occurs every due date/billing cycle and characterized as 30-60-90-120 in conjunction with due dates and not the literal days in a calendar. 

That is why I was surprised that when I called to make the {$410.00} on XX/XX/XXXX, the day my payment was due, Rise had already charged-off my account. My delinquency began when I missed the XX/XX/XXXX payment and even I paid on XX/XX/XXXX my account was charged off. Billing cycles by all financial standards as far as credit bureau reporting are concerned are concerned with due dates and a 30-60-90 threshold. 

Upon speaking to Rise to address my concern they stated that their policy is to charge off accounts once they become 60 calendar days past due. I have never in my life knew of a non payday loan, financial institution that allows its installment loans to charge off accounts once it reaches 60 days past due. It seems that Rise has devised a financial model to charge-off accounts prematurely to maximize profits with high interest rates in conjunction with high payments then shortly thereafter selling charged off accounts to collection agencies. 

The contract that I signed does not state anything about their charge-off policy in light of the fact that it is reasonable and overwhelmingly normative in the financial industry to charge off accounts once the reach 120 days past due. Rise deceptively choses to charge off accounts once they reach 60 calendar days, and as a result harms consumers credit who are most vulnerable and attempting to rebuild their credit as I am. I managed to pay {$410.00} on XX/XX/XXXX, all for nothing, all I gained from doing business with Rise is stress. Rise policy is not right, it is abusive, and I am sure other unsophisticated consumers are being harmed due to their intentional crafted financial model that might very well be violating financial statutes. If Rise is allowed to charge off accounts after 60 days past due, why not 30 days past due, what stops others from adopting such policy?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Attempted to obtain credit report and failed. Accessed Experian website to set a freeze and failed. Attempted to file an online upload of documents to resolve issue/understand what information the company has regarding my file and failed. Followed the steps on the upload screen, completed name, address, SS #, email, etc and then entered step 2 to upload documents. Made several attempts, verifying that I was sending black and white PDF documents with a total of less than 15MB. Failed on repeated attempts. 

Telephoned XXXX to determine if they were experiencing system problems but after 45 minutes I gave up. 

Based on information from the other credit services I believe Experian has inaccurate information recorded in my file, causing me to enter information that does n't match their current information and effectively LOCKING ME OUT of my own data. Because of their acceptance of any credit transactions ( including personal information ) with a lack of input edits and failure to validate and/or authenticate information they accumulate inaccurate data and then treat it as if all is correct.

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 2017-09-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

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 2017-09-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In the middle of dispute with XXXX XXXX XXXX regarding unethical business practices with CFPB. They did not care to resolve-they disputed that the AUTHORIZED LOAN HOLDERS are not authorized parties so the CFPB closed my dispute. XXXX did not like the response in regards to nickle and diming fees from customers so they responded to myself and my husband ( who are both signers on the loan they provided us ) are now unauthorized 3rd party. We are unauthorized, but they take our payments monthly. Do not trust XXXX XXXX XXXX. Will not happen I am sure, but want it known that this company does not practice business ethically. I have offered to take half the responsibility for not checking that their payments that I am making are coming out of the right account, because I used to trust XXXX would have told me by mail or better yet maybe on one of the multiple occassion 's that I have spoken to a representative at their company since. No one told me that my old account number was still saved and that they can not update my new bank information for me. The over seas customer service reps are not trained adequately, so they took my payment, but never told me of returned payments that I made because my bank account was never changed, nor updated on my profile. That is why I called them, I will take half the responsibility for trusting XXXX would have done the right thing and let me know, but I should have know they are a corporation and would keep charging me fees instead of doing the right thing and letting me us know. This has been going on since XX/2016! No one told me that when I gave them the new bank info that it would not save. I expressed the fact that I could not login and had to change my bank info, yet none of the overseas reps could understand that and just took my payment without stating that they could not save this info. I honestly do not care any longer if they remove the negative mark or not. Just want other consumers to know how XXXX runs their business.

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 2017-09-19 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: U.S. BANCORP
State: IN

Complaint narrative:
On XX/XX/XXXX I started the online process of an " auto loan pre-approval application. '' Through the process I decided not to continue, declined submitting of the application and closed out of the site. U.S. Bank still ran a hard hit on me which I do n't see how they could have done this even if I had gone all the way through because it was only for pre-approval. I spoke to someone on XX/XX/XXXX and was told it would be removed and that maybe if got to the point of no return and still somehow submitted something, but it is still on there. I am wanting to make sure this is removed from my XXXX report. 


NOTE for CFPB : My birth date is XX/XX/XXXX not XX/XX/XXXX like it keeps going to once I go to the next screen.

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 2017-09-19 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: EQUIFAX, INC.
State: ME

Complaint narrative:
Based on information I received indicating that Equifax 's credit freeze website was not entirely secure, I called Equifax to request that a credit freeze be placed on my account. I was told that, in fact, I could not have a credit freeze put on my account via phone. Instead, I was directed to the Equifax website and told that the only way I could put a credit freeze on my account was to go to the website. I told the customer service rep that I did not want to use the website and did not trust the website. No change. I asked to speak with a supervisor and was told that one would not be available for another 15 minutes. I said I would wait. About a minute later, the same rep came back on the line and said that the supervisor had told him to tell me that the Equifax website was fine and that I had no other options. I asked whether I could still speak to the supervisor and the customer service rep told me he was " very busy '' and would not be available for quite some time. 

I find Equifax 's response to what is a massive security breach to be callous, at best. They created this problem. They are in no place to be dictating how we try to fix it. Both XXXX and XXXX allow credit freezes to be put on a file via phone. When I called Equifax 's line, they said that I could not do so. This is completely unacceptable and only serving to put additional barriers in the way of people who want to take the necessary steps to protect themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-19 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: COMMUNITY CHOICE FINANCIAL, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX C.S.T. I spoke with an attorney for Cash Central from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their collectors I  paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( 1 ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents Cash Central referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If Cash Central continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : CASH CENTRALXXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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 2017-09-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NH

Complaint narrative:
Please Help, I am current on my mortgage payment, I never made a late payment, I do not have any other liens or other mortgage on my property. I made a request to have the PMI on my loan canceled after making additional payment to bring the principal to XXXX loan to value. Now the bank is asking to send them a check for {$420.00} to have the property appraised if I want to proceed with my request. I feel this {$420.00} the Loancare is asking me is additional step that I should not have to take since I already met all the requirement to have the PMI removed.

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 2017-09-19 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: KS

Complaint narrative:
On XXXX XXXX, XXXX at XXXX a.m. XXXX. I spoke with an attorney for XXXX XXXX from phone number XXXX. At that time, the attorney wanted to get the jist of my complaint to the Consumer Financial Protection Bureau. I advised the attorney that I did not recall the loan and that I had a live in fraud alert on my credit bureau because my former live in boyfriend had stolen my identify ( which I did not find out until months later ). I did not get to take advantage of these funds and after being threatened repeatedly with jail and repossession of my vehicle by their XXXX I paid the bill out of fear. 

Subsequently, the attorney under both the American Bar Association Regulations and Federal Statutes has a duty and an obligation to review the complaint. According to 15 U.S.C. 1681c-1 ( h ) ( 1 ) ( B ). & FCRA 605A ( h ) ( XXXX ) ( B ) Potential creditors must use reasonable policies and procedures to verify the identity of an applicant before issuing credit in the consumers name. 

In reviewing the loan documents XXXX XXXX referred over there was no proof of identity provided. No copy of my original signature or drivers license that would be the very least reasonable procedure instituted and is industry standard when faced with any consumer transaction, especially those involving identity theft. 

I have made attempts to resolve this with the company that at this point is destroying my credit and causing me to incur damages as a result of their refusal to comply with state and federal laws. I kindly request that the following item be deleted from my credit report as it is not mine. If XXXX XXXX continues to blatantly violate the law, I will be forced to seek civil damages and injunctive relief. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, UT 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