vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
Regarding the complaints Case # XXXX. US bank did not being honest about my case and they lied to me and to you. Thinking that I will go away and you can closed this case because they responses.
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1. Took them 12 days to refunded my own money instead of federal regulation of 10 days. From X/XX/17- X/X/17 2. The day I notified US BANK my transactions was still in PENDING status. If they looked closely it is so obvious it was a fraud transactions.
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a.Transactions being XXXX miles from where I lived.
b. ATM fee balance inquiry at other network for {$2.00}.
c. non us bank ATM DENIED FEE for {$2.00} d. ATM card was in my procession.
c. I was a long time customer.
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3. Because of 3 of my bills being returned due to US bank refused to pay it knowingly that it was a fraud and now I am being charged late fees from my cable and water company.
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I am just a little guy who do not have money laying around for this type of injustice. US bank did have to go by the book if they have a heart. They have the power to pay while the item in PENDING status but they choose not to. They never returned my phone calls after several attempts.
To added the insult to my injury. This account was suppose to be a free checking account. After US bank took over they did not honor the old agreement and now I am being charged with {$7.00} monthly fees. I want my {$50.00} that was charged from my cable and water company. I want US bank to send an apology letter to them so they will refund the late fees that caused by incompetent from US bank.
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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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I initiated automatic payments on my  American Express  card and was making the automatic payments every month. In   XX/XX/XXXX , I cha nged banks and went online to update my automatic payment information for my  Amex  card. I received an email confirming my automatic payments but when the due date came and went, my automatic payment did not come out. I received an email from Amex that they did not receive my payment so I logged on the website and it showed I was not enrolled in automatic payments anymore. I immediately paid it manually and had to re-enroll in automatic payments. I was charged a late fee and interest on the balance  (  the card was still under a 0 % interest promo until   XXXX   2017   ). I contacted Amex and was told it takes a month before the new bank would be drafted for the automatic payment so I should have made my payment manually. The confirmation email I received did not communicate that. The customer service rep waived the {$27.00} late fee after I asked and she reviewed my account. However, my card is no longer under the promo interest-free period because my payment was late even though it was not my fault. Amex should be required to notify their customers in the confirmation email they send out that it will take a month before the new bank will be drafted and to make your next payment manually. It appears they purposely do not inform their customers of this so they can make more profit by charging fees and interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-27 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: GA

Complaint narrative:
On  XXXX   XXXX ,  2015 . Transunion reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. 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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I have had a PayPal account for years. Recently, they provided me with a PayPal credit card. Never asked for it and never wanted it. The web site forces me to use it and defaults to use the card, though I have other credit card and bank on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Applied checking account with {$250.00} open account bonus promotion.     The requirement is " To receive the {$250.00} promotional credit to your primary  Wells Fargo  checking or savings account, the following requirements need to be met  ; * Make 10 p urchases or payment with your  Wells Fargo Debit C ard or * Establish a qualifying Direct Deposit on an accumulated {$500.00} or more The {$250.00} credit will post to the account within 60 days of the account opening. ''  XX/XX/17    Account opened with {$50.00} initial deposit  XX/XX/17    {$500.00} direct deposit from my employee   XXXX     Another {$500.00} direct deposit from my employee  Submitted   XXXX  forms and went to Bank for signature and so on as they indicate as reasons for holding the bonus.     Bonus never posted.      XX/XX/17    Receive letter that I did n't meet the requirement for the bonus  ( le tter dated as  XX/XX/17    ). The requirements are the same as I cited earlier and the same as what I saw when open 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 2017-05-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC
State: FL

Complaint narrative:
This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I have several student loans from dept of education  XXXX  that are showing late payments. My loans were in deferment and I have never had a late payment. This is messing up my credit by reporting that I have several late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Franklin Credit Management Corporation
State: NY

Complaint narrative:
A few years ago I refinanced my home to obtain a lower mortgage payment/rate. At closing I was promised a lower rate, which I signed to. After closing I received documents differ from the ones I signed at closing. 15.99 percent rate is unfair and inhumane. Subsequently I panicked and contacted the lender XXXX XXXX aka Franklin Credit, to remedy the situation. When nothing was done, I optioned to short sale my property. XXXX refused to accept a short sale. Instead demanded my keys. The housing market continued to declined, things got worst before they got better. XXXX XXXX ballooned/shuffled my mortgage and continues to do so. In addition, refused to work with me. They stop at nothing to take my property. I have been harassed multiple times. The banks and servicers come to my property to paste stickers on my gate, which states my property is vacant. Additionally, each time I try to increase my income by renting to tenants, the bank comes on the property to tell my tenants not to pay me. Not before long tenants overstay their leases, destroys my property, and do what they were instructed to do by the servicers and banks. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, attorney XXXX & XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX , all of them works as a team, and insists they 'll not work with me, due to the fact I need to be earning XXXX monthly, in order for them to leave me in my home. There is currently a sale date on my property. Currently I am partially XXXX, XXXX XXXX XXXX, with an XXXX XXXX  XXXX. I have nowhere to turn to. Nowhere to go if I am placed on the streets. I encouraged everyone to be careful, with mortgage companies. From the get go, they knew their initial intention, were to confiscate my property. In addition, they will prevent you from keeping your property, by ballooning your loan, shuffling your mortgage, subsequently telling you, it 's impossible to stay in your home, because you do not make XXXX XXXX dollars monthly. I have received many conflicting correspondence from the bank and all those involved. When I called the foreclosure department at the court, I am told it 's XXXX XXXX who is foreclosing on my home. However, a few weeks ago I was sent papers stating it 's XXXX XXXX XXXX XXXX that 's my bank. Please take a look of XXXX and see how many people have lost their homes, because of the same loan they were given as mine, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On  XXXX   XXXX ,  2015 .  XXXX  reported a debt collector on my credit file named   XXXX   XXXX   in the amount of {$850.00}. There have been attempts multiple times for this reporting company to verify this debt, but they have failed to produce the verification of this debt. This is a violation of my consumer rights. Please help me resolve this issue. This is not fair practices to me as a consumer. 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 2017-05-27 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: GA

Complaint narrative:
Credit Reporting  agency has been reporting a debt collector named  XXXX    XXXX     XXXX   XXXX ,  2015 . I have made several attempts to have them verify this accout including documents to support this debt. They have failed to provide proof of debt. Please provide proof of debt. This is a violation of my consumer rights.

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 2017-05-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: KY

Complaint narrative:
Became XXXX and could n't repay. Due to a rule that a XXXX  person must have review date longer than 5 years on their case. Mine is 3 years. I 'm XXXX XXXX and receive XXXX payments from the federal government. If a person on XXXX XXXX and they have a XXXX XXXX or XXXX it should n't matter the review length.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: U.S. BANCORP
State: WA

Complaint narrative:
My bank has put a mark on my checking account report, therefore I can not open an account with another bank. The improper use is this : they are charging me a monthly fee of {$6.00} when they know I am unable to shop around for the best checking account deal. If I close my account, then I will have no checking 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 2017-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: PNC Bank N.A.
State: NY

Complaint narrative:
On X/XX/17, I was informed after I initiated contact that my PNC Credit Card was " revoked '' six months ago in XX/XX/XXXX. I have been carrying a balance and I was in the process of paying it off. Each month, I was charged interest. This I understand, the interest that is. However, to remove my ability to use the card ( without notification ) and to continue interest charges is an exploitative practice. If I am to accrue interest charges, then I should be able to use the card as long as I am below the maximum balance. The notion that PNC can at-will re-evaluate any account ( without any sort of dialogue/notification ) is one-sided and wrong and consumers should be involved far more in this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I have made multiple attempts to get this resolved with  Ally Financial  previously  GMAC. They  have removed the item and then it reappears on my credit report sporadically. The vehicle was turned in on-ti me in XX/XX/XXXX .      O n  XX/XX/XXXX   @   XXXX   XXXX  . I contacted  GMAC an d the  XXXX   XXXX  corporations about this opportunity.     I later reviewed my credit report and to my dismay o n  XX/XX/XXXX   @   XXXX   XXXX  . I reached out to  GMAC /  XXXX   to attempt to resolve.     O n   XXXX   XXXX   XXXX   ;   XXXX   XXXX  the President and CEO  of GMAC was contacted and claims to have attempted to reach me of  which I received an email after providin g four contact n umbers of which to reach me. Email was sent to  XXXX  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 2017-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several documents into Equifax asking them to remove this bankruptcy from my credit report. On  X/XX/2016    they sent me a letter  (  #  XXXX   )  saying my BK had been dismissed / discharged send in proof. I sent in my discharged BK paper .Then t hey sent me a copy of my credit report wit false information stating listed that Georgia  Fed  eral Court -Atlanta is source verifying my BK. Georgia Federal Courts do n't report to third parties. and they do n't report to credit bureaus. That is false information being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: LA

Complaint narrative:
I received a loan from  One Main Financial i n Louisiana on   XXXX   XXXX    2017.  I was not informed what pre computed interest meant exactly. My loan interest is over 20 %. I 'm still waiting on my documents from them to know the exact amount of interest. So now my {$5000.00} loan is {$11000.00}. The usury law for Louisiana has a legal max of 12 % for personal loans. They are breaking the law and fooled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express sent me an offer for  XXXX  pt bonus for Amex business card with special code. I called and verified I was cleared to receive this promotion even though I had this card previously. No where on the promotion does it say I would not be qualified to receive the promotion. The card was approved and I spent the {$5000.00} amount to wualify for the  XXXX  pts. I even called once I spent the {$5000.00} and they said I would receive the   XXXX   pts once I paid the {$5000.00} in full, which I did. I followed back up for my   XXXX   pts and at that point they said there policy had changed and that since I had this card previously and although it had been closed I do not qualify for the  XXXX  pt promotion. I have disputed this with them to no avail. They said they would send me   results in 30 days which now they say they dont even have dispute in system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27 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: PA

Complaint narrative:
the credit reporting agency never removed it off my credit report i have a letter from the company

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 2017-05-27 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: PA

Complaint narrative:
the credit reporting agency never removed it off my credit report i have a letter from the company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
the credit reporting agency never removed it off my credit report i have a letter from the company

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 2017-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,    2017  {$40000.00}   XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017  {$40000.00} Good This account is paid in full.       XXXX   Last reported :  XXXX   XXXX ,    2017 {$7500 .00} This account  is 7 years old a nd should have been deleted.       XXXX   XXXX   XXXX   XXXX   Last reported :  XXXX   XXXX ,    2017 {$3000.00} In Collections/Charge-off

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 2017-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I am  XXXX . Having checking account in bank of america. Today, i went to   XXXX    XXXX , nj branch to deposit the fund of  XXXX   XXXX   XXXX  . But after i handed over the fund to the teller. She mentioned i had only give her   XXXX    instead of  XXXX .
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Denominzation which i gave to her is   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . But instead she had given me the denominzation of   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . This is clearly looks to be scam and fradulent behaviour. How can my   XXXX   can be turned in  XXXX . I insited to look at her drawer, initially she denied, and when i asked her 2nd time she agreed to do so. After sometime she checked something and came back to me and said, that i was correct, and accepted that i gave her   XXXX   and she missed it some where? i really do n't trust her, for the very simple reason. I did n't have  XXXX  dollar bill in my denomination. This looks to me as clear case of money laundering. 2 Thanks,   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 2017-05-27 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: TX

Complaint narrative:
I have  XXXX  account on my credit report that should not be on there never opened a car loan.        XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good  XXXX   XXXX   XXXX  Last reported :  XXXX   XXXX ,  2017  {$40000.00} Good This account is paid in full.      XXXX  Last reported :  XXXX   XXXX ,  2017  {$7500.00} This account  is 7 years old an d should have been deleted.      XXXX   XXXX    XXXX   XXXX   Last reported :  XX/XX/XXXX    {$3000.00} In Collections/Charge-off

Company response to consumer: Closed with explanation