vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear Esteemed CFPB Person, Thank you for taking the time to review our complaint about US Bank. 

US Bank offered the following terms to open a new checking account with {$300.00} bonus : https : XXXX/www.usbank.com/content/usbank/splash/checking/checking-offer-summer19.html. 
Requirements : Use promo code XXXX Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening Be enrolled in either U.S. Bank online banking or U.S. bank mobile app by XX/XX/XXXX I opened a new checking account on XX/XX/2019 and immediately signed up for online banking. And, on XX/XX/2019, my first electronic ACH direct deposit in the amount of {$2700.00} was deposited with US Bank. My 2nd electronic ACH direct deposit account in the amount of {$2700.00} was deposited with US Bank on XX/XX/2019. 

And, my electronic direct deposits are continuing to be deposted with US Bank and I continue to use US Bank online banking. 

On XX/XX/2019, I sent an e-mail to US Bank and inquired about my bonus credit and was advised by Miss XXXX XXXX.U.S. Bank Email Operations Department that I have met all the requirements and if I do not receive the bonus by XX/XX/2019 then reach out again and Miss XXXX A from US Bank will do the research. 

On XX/XX/2019, I sent a follow up e-mail to US Bank requesting an update and a credit to my account for {$300.00}. On XX/XX/2019, Mr. XXXX XXXXU.S. Bank Email Operations Department, responded that I have met all the requirements and he will escalate my request. 

On XX/XX/2019, I sent another e-mail requesting update. I was advised that I did not meet the requirements as my direct deposit did not make it on time. 

The bonus offer clearly states as follows, " Receive recurring direct deposits of two or more that total {$2000.00} or more within 60 days of account opening ''. My US Bank account has been receiving electronic ACH direct deposits from XX/XX/2019 and both Miss XXXX XXXX  and Mr. XXXX XXXX, U.S. Bank Email Operations Department have confirmed that I have met the requirements. Based on the facts, I believe I have met the requirements as outlined by US Bank. 

May I please seek your consideration and help in receiving my {$300.00} US Bank account opening bonus? Please let me know if I can provide any additional information or documentation.

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 2019-11-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I have a Bank of America Platinum Plus credit card. 

I set up automatic payments to pay the " amount due '' and delivery by " 1 day before due date '' For XXXX and XXXX of 2019 - the correct amount was paid. 

For the XX/XX/2019 payment - the amount due was {$64.00} but only the minimum payment amount was paid. This is resulting in interest charges that should not have been accrued. 

For XX/XX/2019 - the pending payment amount is again the minimum payment and not the full amount. 

Please make sure this is not a widespread occurrence for other customers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have spent XXXX $ already trying to resolve a billing dispute of XXXX $ that was resolved on both ends but not honored. I sent certified mail for a billing dispute through Macys fraud form which there support sent me, and was told thats not the correct way to report what happened then had to send proof that they did not send me the billing adjustment through a fax it is now close to three months later no dispute resolved. The fax i sent all the way from XX/XX/XXXX, and certified mail XX/XX/XXXX. This issue was addressed repeatedly with Macys credit card department all the way since 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 2019-11-22 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I made my payment on childrens place  in total amount, and they said is past for a few minutes and they charge me late fee payments, I didnt know because I Paid in full I never expect one more bill I paid to them 3 late fee payment!!!!! They stole my money under fee late first purchase in total was XXXX dollars and I final paid XXXX dollars in late fee payments! A total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-22 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, On my Experan Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX  XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on Experian reported dated XX/XX/19, Items XXXX XXXX ( Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX  ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX  XXXX  has an incomplete account number which violates FCRA fules . as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

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 non-monetary relief
Consumer complaint received 2019-11-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I paid my statement balance of {$470.00} by the due date of XX/XX/2019 in full but Capital One still charged me {$4.00} in interest when there should have been none.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I contacted the company to make a settlement offer and expressed concerns over the balance being extremely incorrect. They refused to investigate the legitimacy of the balance and started settlements are only offered once a year at random to select debtors.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: MIDCOUNTRY FINANCIAL CORP
State: AZ

Complaint narrative:
Pioneer Mid-Country Bank has annotated that my previously discharged bankruptcy was instead dismissed. It was discharged. I called the phone number on my credit report but the person who answered said that Pioneer is no longer in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: NV

Complaint narrative:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.

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 2019-11-22 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: MO

Complaint narrative:
My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX  {$410.00} 4 ) XXXX XXXX XXXX  XXXX  {$4000.00} 5 ) Dept of ED/XXXX  {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX  {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}

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 2019-11-22 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: NV

Complaint narrative:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.

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 2019-11-22 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: NV

Complaint narrative:
There are several accounts, addresses, and inquiries that are listed on my credit report that I am unfamiliar with or that it's simply not mine. There is also a Chapter XXXX bankruptcy that needs to be removed too. Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: MO

Complaint narrative:
My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX  {$410.00} 4 ) XXXX XXXX  XXXX XXXX  {$4000.00} 5 ) Dept of ED/XXXX  {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX  {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: MO

Complaint narrative:
My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX {$410.00} 4 ) XXXX XXXX XXXX XXXX {$4000.00} 5 ) Dept of ED/XXXX {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}

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 2019-11-22 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: MO

Complaint narrative:
The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX  XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: MO

Complaint narrative:
The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX XXXX {$1100.00}

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 2019-11-22 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: MO

Complaint narrative:
The following account is not mine and is an result of fraud please remove this account immediately. 

1. XXXX  XXXX  XXXX {$1100.00}

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 2019-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 )  XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX  XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX  XXXX  XXXX  XXXX ( XX/XX/XXXX ) 10 ) XXXX  XXXX ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/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 2019-11-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2019 my friend 's XXXX  with the username : XXXX was hacked into. On their story was a screenshot of a PNC bank virtual wallet account that read " Who has a PNC account and wants to make money today? ". I then gave them my login to my online banking. They would send in {$1000.00} twice and have me send it out in the end I was promised {$3000.00}. The first {$1000.00} was sent on XXXX  to $ XXXX, the second {$1000.00} was sent on XXXX to XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, XXXX ) XXXX  XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX  XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX  XXXX  ( XX/XX/XXXX ) 7 ) XXXX XXXX  ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX  XXXX  ( XX/XX/XXXX ) 10 ) XXXX  XXXX  ( XX/XX/XXXX ) 11 ) XXXX XXXX ( XX/XX/XXXX ) 12 ) XXXX ( XX/XX/XXXX) 13 ) XXXX XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
The following inquires are due to fraud and a very misrepresentation of my name and ssn. Please remove the following inquires from my credit file immediately, 1 ) XXXX  XXXX  ( XX/XX/XXXX ) 2 ) XXXX XXXX XXXX XXXX (XX/XX/XXXX ) 3 ) XXXX  XXXX   XXXX ( XX/XX/XXXX ) 4 ) XXXX  XXXX  ( XX/XX/XXXX ) 5 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX XXXX ( XX/XX/XXXX ) 7 ) XXXX XXXX ( XX/XX/XXXX ) 8 ) XXXX   XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) XXXX  XXXX  ( XX/XX/XXXX ) 12 ) XXXX  ( XX/XX/XXXX ) 13 ) XXXX  XXXX  ( XX/XX/XXXX ) 14 ) XXXX XXXX  ( XX/XX/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 non-monetary relief
Consumer complaint received 2019-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My complaint ( s ) are filed against XXXX XXXX .aka, Loancare aka ( loan ending in XXXX ) the collateral is XXXX XXXX XXXX XXXX with a payment of XXXX formerly serviced by XXXX, 2 ) the 2nd loan serviced by XXXX XXXX @ XXXX, formerly by XXXX XXXX XXXX and the collateral being XXXX XXXX XXXX XXXX ; the vagueness multiple names is cause for concern is confusing.to the ordinary person. In XX/XX/XXXX I had two loans with ) 1 ) XXXX and 2 ) XXXX XXXX, presently XXXX is now either XXXX  XXXX, or Loan Care, I have received billings with either name? simply stated their has been a transition in # 1 one above from XXXX to Loancare/XXXX  XXXX, that loan ends in XXXX and the monthly payment is {$560.00}, due on the 1st and late after the XXXX. My contention is that both these servicer 's intentionally process payments to " become late " to earn the penalty fee ( late charge ). Note, I send all payments to loan servicers by 1 ) proof of mailing 2 ) proof of service by mail by a 3rd party ; and a transition in # 2 from XXXX to XXXX? During the transition payments were made as directed in monthly billings although XXXX and XXXX were paid twice in XX/XX/XXXX instead of XXXX and Loancare/XXXX XXXX. Holding funds hostage is the name of their game, they are the gatekeepers of the payment received department and they have made my current accounts, all paid to date, late continuously incurring inapplicable penalties. The focus with Loan Care/XXXX  XXXX in the current debacle is payments made during XX/XX/XXXX and XX/XX/XXXX. First, payment was made through their online service and ( see attached ) on XX/XX/XXXX and a copy of the transaction was put in my files. Loancare 's negligence in processing the online payment was discovered when there was no deduction with the associated bank account for XXXX. Plaintiff, then wrote a check and sent it to Loan care 's XXXX XXXX address. Again, the transaction was not completed and no check was cashed. This was not discovered until the time the XX/XX/XXXX payment was due and after the payment due on XX/XX/XXXX was made. Loan care cashed 2 checks in XXXX, one on the XXXX and one on XX/XX/XXXX both for {$560.00}. It took 3 attempts to complete payment for XXXX, one online and two by check ( see attached ). What can your organization do for 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 2019-11-22 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 — Was not notified of investigation status or results
Company: Asset Recovery Solutions, LLC
State: GA

Complaint narrative:
Hello, On my XXXX Credit Report, After filing a dispute, the results showed items ( XXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXX XXXX ( Acct # XXXX ). Both items deleted from credit report on XX/XX/19. I now notice the report dated XX/XX/19, that the item XXXX XXXX, XXXX ( acct # XXXX ) with yet a different account number remains on my report. 

Also on XXXX reported dated XX/XX/19, Items XXXX XXXX XXXX Acct # XXXX ) and also showed results showed item deleted. 
Also another XXXX XXXX/XXXX ( ACCT # XXXX ) also stated Deleted. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. 
I did not receive this notification. 

On report datd XXXX, XXXX XXXX XXXX has an incomplete account number which violates FCRA fules XXXX as I have no way of knowing if it is mine. 
I would like your assistance with these issues. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF HAWAII CORPORATION
State: HI

Complaint narrative:
I went into Bank of Hawaii and ask for a personal loan to build credit. I felt uncomfortable because they was stereotyping me because of my ethnicity. I asked for {$1500.00}. I had my direct deposit going into the account, so they knew I was a substantial amount of money to pay the loan back.

Company response to consumer: Closed with explanation