vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-09 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: CA

Complaint narrative:
{$50000.00}, 59 months CD, 1.49 %, opened XX/XX/XXXX.

Closed the account : XX/XX/XXXX.

$ XXXXCD was on deposit for two years, four months. After fees and penalties, the {$50000.00} CD had a current balance of {$51000.00} and was redeemed at {$49000.00}. The fees and penalties totaled {$1800.00} which reversed all interest paid to date and {$80.00} more.

When I asked for an explanation, nobody at the branch could print how the penalties were calculated. I called the XXXX customer service number, and after many tries, I determined the penalty was 50 % of the interest that would be paid over the total 59 months. The penalty was 3.2525 % on a CD that paid 1.49 %.

US Bank markets the product as a standard CD. Through my experience, standard five years CD 'S have penalties of six months of interest. This penalty was over two years of interest. Amazing and outrageous.

At minimum, in my opinion, this is an unfair banking practice. Customers beware. When you open a CD at US Bank, you do not know what you are getting.

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 2018-09-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with XXXX and Transunion and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!

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 2018-09-09 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX reporting that I was making payments to them and then I stop making payments for 10 months showing 30 late payments on three different loans that are duplicates from three other different Loan Servicing Company which are all paid off including the ones held by these people who say that I made 30 payments. The loans were in deferment during this time and there's no way that I wasn't making the payments because they were in deferment. I wasn't making any payments so therefore there couldn't have been any late payments before or after the loans have been paid in full. I've disputed the loans with Equifax and XXXX and they're still showing up on three of the XXXX XXXX XXXX has 10 late payments on each loan totaling 30 late payments which is hurting my chance to rent an apartment and buy a car because of the late payments. I had a loan of XXXX one for XXXX and one for XXXX and they've all been paid off satisfactorily through XXXX. I never made a late payment!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
RE : Consumer Financial Protection Bureau To Whom It May Concern : I am writing to complain about Non-Compliance for the following Credit Bureaus ( XXXX, Experian and XXXX ). I have requested my Full Consumer Disclosure File ... They have all failed to comply with FCRA, Section 609 ( a ) ( 1 ) by not providing the date of first delinquency, the FCRA Compliance Date and the date and Name of the party who reported the date of first delinquency. I've enclosed all 3 letters sent to the Bureaus requesting my Disclusure File. They sent me my Credit Reports and they do not contain the requested information. XXXX XXXX  is the Original Creditor and Original Account # XXXX   that I am concerned about ... I believe that a junk debt buyer of this account has violated FTC and FCRA Laws by re-aging debt. Please see attachment of XXXX XXXX. I sent all 3 Bureaus the processing fee of {$12.00} dollars, so far only XXXX cashed theirs, but XXXX  and Experian has not done so, nor returned to me. I am including a copy of a canceled check cashed by XXXX for the processing fee for my Consumer Disclosure fileXXXX  and Experian has not cash the checks sent for the processing fees so far. I am requesting that the CFPB engages all 3 Bureaus for Violating Consumer Credit Laws and especially FCRA, Section 609 ( a ) ( 1 ). This information is very important to me in defending myself and correcting my CR against a junk debt buyer that is hurting my report by Violating Consumer protection laws.

Kindest Regards

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 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XX/XX/18. i filed a dispute with XXXX XXXX XXXX for {$810.00} charge on my account. The bank granted provisional credit but did not restore my credit limit. I sent numerous emails bank and forth trying to get the credit limit restored. The bank representatives have refused to correct credit limit. 

I obtained the credit slip and emailed to XXXX XXXX.   XXXX XXXX  completed dispute onXX/XX/18. 

XX/XX/18- I talked to XXXX an account manager. He told me  dispute was closed on XX/XX/18 and credit limit should systematical update on XX/XX/18. Payments or credits may take up to seven business days to process even though payments and credits are posted online. He refused to correct credit limit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lending Club Corp
State: FL

Complaint narrative:
This is a complaint against LendingClub, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
Once again, Citizens Bank uses creative accounting, by changing the order of transactions. From being overdrawn by one transaction to 5 and charging {$35.00} for each one. When I made a deposit to cover the one overdraft, another check came in, which bounced. now there are 6 overdraft charges. The last check they bounced was for my certification to XXXX in New Hampshire allowing me to go back to work, which now I will not be able to. The next group of charges will be for {$30.00} each and every day I am overdrawn, taking up all possibility of making ends meet, or replacing the check made out to the New Hampshire Treasury.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-09 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: Concord Servicing Corporation
State: CA

Complaint narrative:
My account is showing 60 days past due but I have signed up for auto payments. I contacted the company to request to have removed from my report but I was told that they won't be able to. I need help as I have never missed any payments for any accounts I have and am always diligent and responsible with all open accounts and monies owed.

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 2018-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have a credit card on with Capital one and the due date is XX/XX/18. I forgot to make a payment and I made the payment on Tuesday, XX/XX/XXXX. I got charged {$25.00} late fee however my contention is that Monday is a federal holiday and regardless of when the payment was made, it will not get posted until Tuesday., I thought charging a late fee is unfair. If Monday is not a federal holiday, I will agree that the payment is late The Federal Reserve allow a day grace period when the due day is on the weekends and Monday is a federal holiday

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This is a complaint against XXXX, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.

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 2018-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Foreclosure is for an amount that was rolled into a loan modification. Bank of America has been unable to address this issue.

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 2018-09-09 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: Reliable Credit Association, Inc.
State: CA

Complaint narrative:
The account should be at XXXX I paid the loan off and its still showing a balance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For over a year I have been trying to get a copy of my credit report from Equifax. I have a credit card and car loan, and have a credit history stemming years back. Yet Equifax tells me I have no history. 

This is incorrect. Both XXXX AND XXXX have full credit profiles for me. I verified that both my credit card ( XXXX ) and car loan company have been sending my information to Equifax and confirmed they did. I asked them to resend in XX/XX/2018. I called Equifax and they STILL said they have no history of me. This is impossible. 

In XXXX I submitted a formal inquiry to Equifax with my social security card and other proofs of information, along with the XXXX and XXXX credit reports. On XX/XX/2018, I received a letter from Equifax telling me I do not have a current file. This is absolutely ridiculous, because I do in fact have a credit card.

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

Complaint narrative:
I have been in contact with Equifax since XX/XX/2018 trying to get them to correct my address, fix the error with XXXX and XXXX and XXXX. I am trying to purchase a house and Equifax 's mortgage division will not release my credit report due to the issues with XXXX and XXXX and XXXX, due to the conflict in addresses. I have faxed a letter to them with my new drivers license, passport card, and a bill showing my new address, asking them to update their files including my credit report, XXXX and XXXX and XXXX account. I was told they never received the fax, yet the transmission report I have states they did indeed receive it. I have also mailed the same information to them, and as of XX/XX/2018, the information has not been updated nor corrected. I spoke with another agent on the XXXX and he told me all the errors are due to the address not being updated. I have now missed out on purchasing three different homes due to not being able to have my Equifax credit report pulled. I have documented the calls and letters sent to Equifax without success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-09 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: FL

Complaint narrative:
XX/XX/2018 To Whom It May Concern, There is currently an inaccurate item being reported on my credit report from XXXX XXXX XXXX-XXXX I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX, XXXX, FL XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. 

Given that the furnisher has provided false information to you about me, and provided you with a false address, I demand that the item they are reporting be removed immediately. 
" The allegations from this item require immediate dismissal due to fact of inability to contest the derogatory claim ( s ) injurious to me DIRECTLY, as is my consumer RIGHT to do so. As such, I demand the full extinguishing of every aspect of reported delinquency and or derogatory since the factual nature of them can NOT be verified valid nor certified compliantly reported, as MANDATED BY STATE AND FEDERAL LAWS of reporting, true or not! 
Upon attempts to forward my direct consumer complaint challenging the accusers to demonstrate the requisite document verification ( s ) of the claim 's validity in reality and calls for evidence substantiating the perfect and certified compliance of reporting, I received notice back that the data furnisher address, AS REPORTED, was not deliverable to hence INACCURATE. This deficiency of reporting denies me my consumer RIGHT to question and contest directly my accusers, which means its reporting is unlawful and without compliance in full accordance of mandatory regulatory reporting laws and standards, including the required true, correct, complete, and perfect METRO 2 FORMAT REPORTING! DELETE this misreported data TODAY, even right here and now! "

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 2018-09-09 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: Nelnet, Inc.
State: CA

Complaint narrative:
The account should be at XXXX I paid the loan off and its still showing a balance.

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

Complaint narrative:
The account should be at XXXX I paid the loan off and its still showing a balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
they claimed i defaulted on my XXXX XXXX loan last year. The defaulted loan was transferred over to the guarantor, the New York State Higher Education Services Corporation. They agreed to put me in a  payment program, at the conclusion of which, the loan would be taken out of default status, and they would give the loan over to another private financial institution for me to begin paying again. The acknowledgement of debt agreement i signed in XX/XX/2018, has a total current principal and interest with collection cost of {$63000.00}. My total balance as of XX/XX/2018, is {$79000.00}. XXXX. I will try and include documents to this effect. I have made all of my payments as prescribed under the agreement by the due dates specified. For an agency or institution to charge collection fees or interest in excess of {$15000.00} is ridiculous, if not criminal. My collections representative at NYSHESC and her manager say this ( marking up the amount of the loan so dramatically ) is something they have to do anytime they take over a defaulted loan but this sounds very suspect to say the least. I should not be subject to an outrageous financial practice such as this. Please help me stop this by having NYSHESC bill me based off the correct and original loan amount of XXXX, instead of the random, way-overblown amount that they used, which currently results in a balance of {$79000.00}, after just 7 months of being on the payment program. I am sure if a situation like this were to become public, it would look very bad for the people at NYSHESC. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-10 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: CA

Complaint narrative:
I have Disputed an account XXXX XXXX acct # XXXX with trans union because the account was paid off in XX/XX/2018. Transunion still show a balance on the account that should show a XXXX balance.

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