vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called outside of 8am-9pm
Company: Avant Credit Corporation
State: AZ

Complaint narrative:
They contacted me at XXXX and I am located in XXXX, AZ. I informed them it is against the law to contact me at that time of the morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: WI

Complaint narrative:
I am a XXXX veteran, senior citizen of a fixed income. My social security has been discontinued at XXXX point, and continues to be deposited late on numerous occasions despite my complaints to Social Security about this matter. I have XXXX separate months when I did not receive any income. US Bank is aware of this matter ; it continues to charge exorbeint overdraft fees, allows checks and automatic deductions to be submitted at least three times and each time the funds are not in the account they charge me insufficient funds fee and the over draft fee. I am never able to catch up because I always in the negative due to extremely expensive penalty fees and extended fees, etc. The bank refuses to allow to close the account or to freeze the account. This is so they continue to charge me the extreme fees which keeps me in the negative. I have explained my situation to them but the bank refuses to assist me in this matter in any way. I view these bank practices as predatory, and target senior citizens and XXXX persons. Is there anything that can be done to challenge these unfair practices by this bank. I am always so in debt for their fees I never have enough money to pay my bills and pay their continual fees. 
Available Balance Checking - XXXX - {$360.00}

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 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. 

Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. 

Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. 

Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.

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 2015-12-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: Campus Student Funding, LLC
State: GA

Complaint narrative:
Through research I had to find out how the payments were to be made into which I found out the payments were to be made electronically through an ACH ( automated clearing house payment ) form. Well all I wanted to do was terminate the ACH form and pay for the lease through my own means and their website into which you can pay by check or credit/debit card. It states on that form that a submission in writing must be made to MotoLease LLC. for whom the lease is though in a reasonable amount of time for them to respond. I then called MotoLease LLC. to verify that the address I had mailed the letter to was correct. Which it was, but upon verification I spoke with an XXXX at the time and I was notified I would have to pay a security deposit of {$300.00}, and it is not listed anywhere on the ACH form or the lease terms. During that same call I asked XXXX could they waive the fee for that because it is not listed anywhere in the terms and to speak with management I was denied was told my information would be passed along. I call back today ( XXXX/XXXX/2015 ) spoke with another representative today asked about the information and still was not given an answer, but I was told this time that the security deposit amount was {$500.00}, and was apologized to for being given the wrong information. Again I asked to speak with someone in management was denied again, but was told by the same rep ( whose name I did not get ) that they would just cancel the ACH form and I could pay online into which steps I have listed above. To add I was not told by the dealership XXXX ( XXXX ) or even MotoLease how the payments were to be made I had to research all of this information for myself.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
I received a {$75.00} Master Card gift card XX/XX/XXXX. XX/XX/XXXX I proceeded to use the gift card at a restaurant where I was advised by the waitress that the card did not have sufficient funds. I immediately went onto the web site listed on the card and I come to find out that the card was registered to XXXX XXXX where this person made XXXX online purchases, one with XXXX XXXX and the second with XXXX. The remaining balance was {$15.00}. I called the customer service number on the card to advise that the charges were fraudulent. The customer service rep XXXX told me that before they can reissue me a new gift card I would have to send proof that I was the owner of the card. I was told to send a copy of my drivers license and a copy of the front and back of the gift card - proving I was the owner of the card. I faxed all of these requirements within 24 hours. Once month later I received a letter stating that they would not reissue a new card because the charges were over 120 days old. This company not only would not reissue a new card they also blocked the usage of the remaining {$15.00} on the card. I was advised that I would have to dispute these fraudulent charges with the vendors. These charges were made XX/XX/XXXX and XX/XX/XXXX, I reported the issue well with 120 days yet this company will not follow through and reissue a new card. I need your help to obtain a replacement gift card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP
State: NC

Complaint narrative:
US Bank Home Mortgage continually calls me, as much as ( 4 ) times per day at my desk at work. They call XXXX, which is my work cell phone. I am delinquent nearly 30 days on my mortgage. I have spoken with a US Bank home Mortgage representative each day since XX/XX/XXXX and run through my financial information and the fact that I have moved to XXXX from XXXX after losing my job in 2008. I have kept up the mortgage payments since I lost my job utilizing my savings and my 401k funds, which are both now exhausted. 

I do have an offer on the home ( finally ) pending. I have asked them to stop calling and to see what happens after the home is sold where upon I can satisfy the mortgage in full. No kidding, their representative XXXX ( ID # XXXX ) told me they will call as much as once an hour until I satisfy the mortgage. This needs to stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
I had a credit card with one bank and they sold it to another bank. I did not get notice of the sale. When I went online to see if I owed money to the credit card the following month, the site said my account was no longer open. I did n't know why my account was n't open, but I did n't have time to deal with it as other life emergencies were taking precedence. Later, I received a letter from the new owner of my account saying that it was past due. I called the number on the letter and found out that my account was sold but still exists. I paid the account in full. However, because I was not notified of the sale and was told my account was closed when I tried to go pay it initially, my payment was 41 days late. Now I have a 30 day late payment on my credit report. I asked the new bank to remove it given the circumstances and they said they can not. They said that the only way for this to be resolved is for me to file a dispute with every credit reporting agency that notes the late payment. I know that that is n't true. I know that this is a small injustice compared to what you deal with on a regular basis, but it has an impact. If the agencies do n't all remove the late payment or do so in time ( I am about to apply for a mortgage ), my rate will be higher on the biggest loan I take in my lifetime. Also, there is a high degree if privilege in the notion that everyone has the time to wait and request reports and write letters and follow up on letters and go through the whole intentionally-difficult process. For people who are just barely keeping their head above water, due to their health or life emergencies ( which applies to me right now ), things like this slip through the cracks. I would close this account but for the fact that it is my oldest account and closing it would negatively impact my credit score. I try to do every responsible thing and it does n't matter. Now if I do n't spend my time writing letters to credit reporting agencies, rather that attending to very critical things in my life, I will be harmed financially. This system does n't work. The bank should have corrected it. I know that they can.

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 2015-04-20 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: FIRST NATIONAL BANK OF OMAHA
State: SC

Complaint narrative:
I recevied a credit card offer from First National Bank of Omaha for 0 % APR on balance transfers for the life of the balance with no annual fee. The balance transfer portion of the account was re-priced to 17.99 % with no prior notice. I had no late payments or over-the-limit transactions. A notice of a {$49.00} annual fee being imposed on the account was also received on XXXX/XXXX/15. I believe these actions are in viloation of the Unfair and Deceptive Advertising Practices Act ( UDAP ), and I 've closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I started a modification with my bank in XX/XX/XXXX. I have supplied the bank with all requested documents. I faxed over they do n't receive and I refax then it 's receive it takes several weeks for a response I supply more requested information it takes again several weeks to get no response. It 's has been 7 months. I have complained to the different " relational managers '' some are rude some make notes in my file and others just do n't care. They refuse my request to speak to a supervisor saying they ca n't assit you they will say what I 've said to you. Each day week and months delay creates a further financial hardship. I have paid the amount requested on my loan statement but they the bank and its representatives continue with delays as a form to discourage me. The continue to say as excuses " we have many files, it takes time '', '' the processing team has your file the underwriter will reject your file, " the gatekeepers will recieve your file soon. I did not pay my XX/XX/XXXX mortgage I do n't know what to do. Please help me. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03 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:
Credit card account for The XXXX XXXX via XXXX is suddenly listed on my credit report, dating from 2003. I do not currently and have never had a credit card from The XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Bison Recovery Group, Inc.
State: MD

Complaint narrative:
This company has called me multiple times. Today, specifically, they asked to speak to XXXX XXXX. I asked who was speaking. The lady on the line said XXXX. I said, " Ok XXXX, where are you calling from? '' She says, " BRG ''. I said, " What is BRG? '' She said, " Is this XXXX XXXX? '' I said, " What is BRG ''? She then says, " Is this how this conversation is going to go? '' I said, " What is BRG? '' She then says, " I am not allowed to disclose personal information '' To that, I reply, " Telling me what BRG is, is not giving out personal information ''. She then says, " I 'll call back later ''. This is not the first time they have refused to tell me what BRG is. Their called ID is very sketchy and says " Unbound '' followed by 5 or 6 numbers. I have never heard of BRG and have no idea why they are calling but I do n't want to even attempt to find out why they are calling if they are n't even willing to identify the company and what it is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I have filed multiple disputes with Transunion regarding fraud on my accounts. However, they continue to verify those accounts. The accounts include gap ( acct # XXXX ) XXXX ( acct # XXXX ), XXXX XXXX ( acct # XXXX ). Even with police reports, transunion refuses to remove these above mentioned accounts from my credit report. CFPB complaints have been filed against them independently. Transunion needs to follow laws regarding fraud voluntarily. I want these accounts blocked from my Transunion credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I 've never been employed by the ones listed on my credit report for transunion

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TRANS UNION DENIES ME PIN NUMBER OF NYS SECURITY FREEZE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , MN XXXX, ( XXXX ) XXXX has been reporting my account with XXXX XXXX using a fraudulent open date. the last open date was XX/XX/XXXX the last time the account open was XX/XX/XXXX, the account should have been deleted after 7 years ( XXXX ). Each year XXXX uses a new open date, which means someone is using my information to continuely open a new XXXX account in my name. I have tried to file a dispute with Trans Union but their website does n't allow it and I called there XXXX number to file a complaint they took my information but nothing has happened. I have also filed a dispute with XXXX and it has n't been removed my report either.

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 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Transunion apparently had a security glitch. I contacted them in reference to inquiries on my account that were not mine and they told me I was not affected by the glitch ; even though they never brought it up to me first, I had to tell them I knew about it. They put me on hold to see if I was affected ; which I already knew I was but the agent told me I was n't. I have XXXX inquiries that should be on my transunion, equifax, and experian reports ; no more and no less. I have an excessive amount of inquiries that I did n't authorize or apply for on my credit reports. Please assist and advise.

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 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Since XXXX over and over and over at huge expense have sent proof that XXXX XXXX is gone, forever! Despite receiving the XXXX of XXXX letters, still they put XXXX XXXX on and the XXXX XXXX XXXX for the same exact student loans. XXXX XXXX IS GONE FROM MY LIFE FOREVER, THEY SHOULD NOT BE IN ANY WAY ON ANY OF MY CREDIT REPORTS. Instead it continues to say something like " transferred to another office. '' We all know XXXX XXXX in bed with XXXX XXXX but THEY ARE NOT ANOTHER OFFICE OF THEM. XXXX of XXXX owns the loans, they are XXXX, and they are closed. The only thing that should be on my credit reports is the XXXX of XXXX, period. and they are all XXXX, and they are all closed. XXXX of XXXX said XXXX XXXX would be off last XXXX XX/XX/2014 but there they still are on all my credit reports, like I have XXXX student loans. They are duplicated on every credit report. In addition, always in deferment yet on purpose XXXX XXXX has put " late payments '' AS IF! all gone! ALWAYS GONE! We all know what crooks XXXX XXXX is and I am sick of this when THEY ARE GONE FROM MY LIFE FOREVER. GET THEM OFF ALL OF MY CREDIT REPORTS AS XXXX SAID THEY WOULD BE BY XXXX XX/XX/2014.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
Incorrect information is showing on my credit report far as my address they have XXXX,XXXX, XXXX, XXXX, XXXX,XXXX, XXXX, XXXX, XXXX. but my address is 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