vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I had a checking account from before I was XXXX XXXX XXXX until now with U.S. Bank. Normally US Bank has been very good with taking care of any issues that arose but this time they were not. I truly do n't think I have ever overdrafted my checking account before this past year ( maybe once ) but either way it happened for a total of XXXX. I did n't even realize it until I got a letter in the mail. I went straight to the bank to deposit some money the minute I saw the overdraft and I saw I already had multiple fees on it when the letter that was sent to me that took XXXX business days to receive didnt have any attached. Knowing that the bank has always taken care of me and my family I called them and they told me they had nothing they could do. Each time fees keep adding on each week I talk to multiple people via a website inquiry and it takes days and days to be responded. FInally the total reached XXXX and the account was closed and sent off. After I begged and begged to get this fixed a person finally responded to me again saying she was sorry but already sent off to internal collections which took 9 days to receive. I fully take the blame here for the $ XXXX that I overdrafted by accident but not giving me an adiquite amount of time to pay it is bad business practice.

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 2016-07-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
Called bank to get acct info.employeeXXXX XXXX read off routing number very fast she was about to hang up I said wait ca n't I read the numbers back? I read the numbers back. She said that 's not what I told you. She read the numbers off again. Then hung up. I called back. Asked if I could have my acct #. She said no I would have to come in. I told her I just got out of the hospital could n't I be asked my personal info that no one knows but me? she told me no and hung up again. I get out of my sickbed, go to the bank and asked to speak to a supervisor. She said I am the supervisor. I explained that she was very rude on the phone to me. She started smirking at me like this was a joke. I asked her do you think this funny? why are you smiling this is not funny. There was another teller there she saw the whole thing. This is not professional and I will not be treated in this manner. As soon as I am well I will be closing my acct. And family members that bank there are going to do the same to support me

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 2016-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
US Bank has been reporting my account as 30-days late XX/XX/2015. However, this is factually inaccurate. I have made several attempts by contacting them by phone, speaking to numerous representatives in several departments, including supervisors, but have been unable to resolve this. I have irrefutable proof, confirming a payment was not due on XXXX XXXX, 2015, ( attached ) and copies of my credit report, showing it has been reporting as XXXX late. I have written letters to XXXX, XXXX and XXXX disputing the 30 day late reporting for XXXX, 2015 However, and somewhat incredibly US Bank continues to verify that as accurate. I have an urgent need to update my report accurately as I am in the process of securing a large, XXXX XXXX dollar construction loan and as a result of the ( 30-day ) late account my interest will be increased costing me an additional {$17000.00} thousands dollars over the course of the loan. 
Additionally, US BANK 's website was continually down in XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015, not allowing me to make on line payments, and calling always had ureasonable long holds of over 10-15 minutes. Further, if you look at the XX/XX/2015 statement I have attached, it displays a balance of over {$5000.00} and the amount due as the same. This was a direct violation of the contract I had with US Bank.

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 2015-07-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I recently submitted a request to US BANK to participate in the HAMP modification program. I had been redundantly asked to re submit information concerning my employment status because of a misfiling of the original paperwork. I absolutely understand having to clarify paperwork. However I do not and can not understand why I would be repeatedly asked to re submit the same information. Each time having changes in the demanded paperwork ie ; first request being for XX/XX/XXXX info then expanded to XX/XX/XXXX and XX/XX/XXXX ' or paperwork was originally requested to have acct # then expanded to acct # and physical signature. I currently have a high interest rate and it seems that the redundancy is simply defer and delay tactics by the bank to continue to get paid that high rate all while I absolutely do have need and qualification to modify. 
Thank you for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: NJ

Complaint narrative:
I applied and receive XXXX XXXX XXXX from US Bank a couple of months ago and I just paid my annual fee. I just found out that the terms have changed and am disappointed that I am not getting all of the benefits that I paid for, such as the free night on your last award stay benefit. I wasted {$75.00} annual fee and a hard credit inquiry too because the main benefit listed was " BONUS AWARD NIGHT EXCLUSIVELY FOR CARD MEMBERS & ENJOY THE BENEFIT AFTER PAYING {$75.00} ANNUAL MEMBERSHIP FEE ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-07 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank Opened and send me a credit card which I did not request or applied 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 non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had a personal and business checking account with US Bank back in 2013. I switched to a credit union and thought I had closed all my US Bank accounts. I had transferred last {$30.00} out of the business and put in personal since I rarely used the business. Unbeknownst to me, an automatic debit came out of the business account for {$21.00} from XXXX a month or so after I thought I closed it. I was never notified by USBank of overdraft. They proceeded to charge initial {$36.00} overdraft fee and {$25.00} overdraft on a weekly basis for 6 more weeks and then closed the account with another {$30.00} charge. This {$21.00} overdraft then turned into {$230.00}. I had not moved or changed address, phone or email, but never received notice of this overdraft and fees. Given it was closed quickly after it occurred and they wrote it off, it just sat on my record until I finally went to open a new checking account when I recently moved. I worked and banked XXXX since that overdraft occurred. I attempted to resolve with US Bank, but was advised to go to XXXX which sent me a report but now referred me here. I am not disputing the initial overdraft and perhaps the initial fee, but a few hundred dollars of fees piled on in six weeks without attempts to reach me are bit rediculous. I am not sure how to proceed at this point. I am not stuck with getting a special restricted bank account because of this item on my XXXX report which does not tell the whole story. I can not seem to get any help with US Bank to resolve since it is now written off. I would like to negotiate a lower amount to resolve it, but can not seem to get anyone to help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants and Professional Bureau, Inc.
State: TX

Complaint narrative:
I was never informed that negotiation was an option. I tried contacting them at least 8 times over a 2 month period and was never able to reach anyone ; when I left messages, no one contacted me back. I only received a first notice, then another bill labeled first notice, but never a final notice. Then suddenly I was being reported to collections. The collections letter mentioned nothing about a " grace period '' before it was reported to my credit report, but on the phone, after informing the operator I can only afford to pay $ XXXX/month, at the very end of the conversation she informs me that I have until the XXXX of this month ( about 3 weeks ) to pay the full amount or else it goes on my credit report. Even if I am actively paying toward my balance, it will still be on my report. Nowhere in writing was this grace period stated. The communication has been evasive, misleading, and omitted details, and the operators were not only rude but also evasive and did not properly disclose the information until I dragged it out of her by asking repeatedly if there is anything else I need to know. If I had n't asked her that repeatedly, there is no way whatsoever that I would have known I could negotiate, that there was a mysterious " grace period '' that I had to pay off the full amount ( less than 1 month is not remotely enough time to be called a " grace period '' ), or that I will still be reported to collections even though I am actively paying off my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have submitted numerous disputes to verify the accuracy and legality of the public records listed on my credit report. As of today, I have not received the proper verification required by the Fair Credit Reporting Act in verifying all the information that is being reported. Also, I even contacted the courts that are reporting this information and they told me they do not report information to the credit bureaus so they are obviously using some kind of third party that is illegal and no real investigation is being done. These items need to be removed and DELETED from my TRANSUNION credit report. 

US Bankruptcy Court NY XXXX XXXX This bankruptcy needs to be verified directly with the court, if you are not able to do so, then delete it from my credit report. 

US Bankruptcy Court NY XXXX XXXX You should already know that this account must be 100 % accurate and verifiable. I ask you to verify this bankruptcy under the Fair Credit Reporting Act and delete it from my credit report because you will see it is reporting incorrectly. 

These items are INACCURATE and need to be removed Immediately THANK YOU A XXXX OFF CONSUMER 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 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, XXXX XXXX XXXX Dear CFPB Representative, On XX/XX/XXXX, I discovered Creditor, XXXX XXXX XXXX XXXX, and XXXX have violated my rights as it relates to the Fair Reporting Credit Act ( FRCA ). The Creditor, and XXXX re-inserted the below previously deleted items without notifying me within 5 days that the items would be re-inserted in my credit files.. Under the Fair Reporting Credit Act, the Creditor and Credit Agencies are required to notify me within 5 days of re-inserting the previously deleted items. 

Agency Creditor Account TransUnion XXXX XXXX XXXX XXXX XXXX Item Status : Was removed on XX/XX/XXXX and re-inserted on multiple dates. Latest reporting showing item re-inserted XX/XX/XXXX and after the FCRA period of expiration. 
As of discovered today, all items were re-inserted in on my credit file without me being notified within 5 days of the re-insertion and after the item FCRA 's reporting periods have expired. 

Please assist in resolving this matter quickly and having the credit agencies delete the negative information immediately. 

Sincerely, 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 2015-06-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion and XXXX is showing my mortgage was in bankruptcy and I have informed them that my home was never in bankruptcy and I have also contacted the mortgage company XXXX XXXX about this incorrect information several time and they were suppose to clear this up as well. XXXX was not giving me credit for my mortgage Staten that the information about my mortgage is insufficient. I pay on my mortgage each month and last year they had ask me to forward my house payment information over to them and I did and they are still not showing it correct and this is making my credit score low with them. they are telling me because someone has off me a credit card this will make my credit score low as well never heard of that before. they have all these inquires pulling with out my knowledge and they will not remove this inquire from my report as well where these companies has pull more than once and some of them I do n't know who they are and I need them to be remove as well this is messing up my credit score as well. the bankruptcy normally stay for 7 years now they are making them to last for 10 years on people credit report and this ridiculous for this to happen for a chapter XXXX. these credit bureaus are out of hand with this. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize hard inquiry that is reported on XXXX XXXX, 2016.

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 2015-07-31 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My licence and bank card were swollen. I notified my bank. The XXXX charge is not from me. I have never used that company. This is listed on all XXXX credit reports. 
Also all XXXX have listed XXXX hospital bills from XXXX XXXX hospital, that XXXX, was paid through a settlement and XXXX, is in direct violation of HIPPA privacy act. These need to be removed immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XXXX XXXX, 2015 Transunion Information Services received documents for the purpose of establishing the fact of forgery, in addition to request the accounts be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2. I received correspondence from Transunion that is confusingly pleaded. ( See : Attachment A ) The company has denied my private right to remedy as a victim of identity theft. Transunion has failed to go beyond a cursory investigation into this matter. Moreover, the XXXX Circuit Court of Appeals recently confirmed that a reasonable reinvestigation " must mean more than simply ... making only a cursory investigation into the reliability of information that is reported to potential creditors. See : XXXX v. Trans Union, XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX ) ( citing XXXX, XXXX XXXX XXXX ). Additionally, all relevant documents were sent to Transunion to provide proof of claim such as ; an official police report, FTC Affidavit, FTC Complaint number, US Postal Inspectors ID Theft Report Number and proof of Identity. I request a reinvestigations of the following information pursuant but not limited to the FCRA 611 ( 15 U.S.C. 1681i ) ; XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXXThe referenced accounts were made without my knowledge, consent, and or authorization. I never signed nor endorsed any contracts or applications that created any accounts for debt service with the listed corporations, agencies, or companies. I have received no benefit or value from the proceeds of the endorsement ( s ), contract ( s ), application ( s ) and or the listed account ( s ) directly or indirectly and I request the accounts to be blocked pursuant but not limited to section 605B of the Fair Credit Reporting Act 15 U.S.C. 1681C-2.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Transunion is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. They turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Transunion seems to want to listen to me. The worst part is that BOTH companies are listing 120+ days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Transunion to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.

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 2015-07-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I financed a vehicle through Ally Financial in XX/XX/XXXX. I missed XXXX payment and was unable to pay the late fees which accumulated and turned into payments. Although I continued making the payments. The car was repossessed in XX/XX/XXXX when the late fees totaled XXXX car payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have tried numerous times to have my creditors review and update my credit information to no avail. I printed out all XXXX credit bureaus, credit reports and I 've also sent the disputes trying to update all my information and as of now my credit report is still the same I paid off all of my credit cards with revolving interest and the majority of my accounts with a large balance and I still have a low score. I 'm currently in the process of purchasing a home but I can not purchase my home with my credit score being so low. I sold my previous home in order to pay off all pending loans and credit card balances and no change as of yet. Please help!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a XXXX ( mental health and physical health ) starting in XXXX. In XXXX XXXX of my Doctors ( XXXX XXXX XXXX XXXX stated that I was likely fully XXXX. In XXXX XXXX I was ruled by an administrative judge to be 100 % XXXX and eligible for Social Security XXXX. Veterans Legal Aid in XXXX XXXX Florida ( XXXX XXXX, XXXX. XXXX contacted these all of the federal student loan agencies but they have refused to discharge the loans as required under the law. The continued marking of my credit report as delinquent and and the large balance owed vs my poverty level income from Social Security XXXX leaves me very vulnerable to being unable to renew my lease in XXXX as these directly impact credit scoring.

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