vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-05 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 — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: NC

Complaint narrative:
there were charges on the elan financial cc that were NOT made by me or anyone i know. that was in about XXXX XXXX i found out about this about XX/XX/XXXX as we had moved in XX/XX/XXXX and the mail was not forwarded.when i found out i researched what company had the charge ... XXXX  XXXX ... i am not a member or ever have been. XXXX credited the charge back to XXXX..so why does elan still show me 20 days late for a payment when i never bought the product, never received a bill and it was paid back by the XXXX XXXX..please do something about this fraud company, elan.

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 2019-06-05 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: Colony Brands, Inc.
State: MA

Complaint narrative:
There are two accounts on my XXXX, XXXX and XXXX credit file that I do not recognize, the accounts are showing as discharged in bankruptcy but the problem is that I never had accounts with these companies called XXXX XXXX and XXXX XXXX, there is no phone number being reported and it says that the accounts were opened in XXXX and XXXX. I have disputed these accounts with all three credit bureaus and for some reason they told me that the accounts was verified as accurate. I know this cant be right because like I said I never had an accounts with these companies. I asked all three credit bureaus for the original contract that has my signature on it that proves that I opened this account since they are claiming that the account was opened by me, and they cant seem to provide me with anything. By law the credit bureaus have to report the information on a credit file 100 % correct without any errors or mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2019 I requested a loan upon my request a company name XXXX XXXX XXXX gave me an offer of XXXX I then excepted.Qualifications was thru routing and account # which I gave to the customer service representative.Then on XX/XX/2019 a XXXX dollar amount was added to my account which I checked on my mobile banking account.This wasn't the amount XXXX XXXX XXXX agreed on the loan amount so I called them to decline the loan.I withdrew XXXX from my account to send XXXX XXXX XXXXL they're money back.2 days later Regions bank notified me to say there was a fraudulent check put in my account.If a check was deposited why did it show up as a cash balance not a check that has to clear before it was shown on my account as XXXX added to my account.My account was froze and I couldn't get access to my money.I feel I should be reimbursed because this was supposed to be handled as a check not cash.

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 2019-06-05 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:
I dispute a dismissed and discharge bankruptcy with TransUnion. TransUnion say that they verified these 2 bankruptcy with XXXX Bankruptcy Court of Florida using my full social security number. This is not true because XXXX Bankruptcy Court do not release no info to credit bureaus or third parties ( attached is a letter from the courts saying so ). TransUnion is in violation of the Fair Credit Reporting Act. Attached is a copy of TransUnion Investigation Procedure they send to me. They clearly is not obeying they own rules and the rule of the FCRA

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 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company Portfolio Recovery located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-05 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: LEXISNEXIS
State: AZ

Complaint narrative:
Someone else 's homeowners insurance policy was placed on my LexisNexis CLUE report. I have no financial obligation to the policy, nor to the property. How is this even possible? How in the world would XXXX XXXX or Lexis Nexis even have my personal information if it is not on the policy to use to add me to a policy without the policy holdes approval and to start to report against me when I am not a party to the claims? This is beyond unbelievable. I have spoken with XXXX XXXX from the XXXXXXXX KS office XXXX and he confirmed that I am not on the policy and never have been. In fact, claims that occured before I was in the residence are added to my CLUE file. I have complained to Lexis Nexis that I am not on the policy. However, you will see that it is my name on the report listed as Subscriber # 1. I am not on the pollicy in anyway. No tenant/care taker/renter should ever have the homeowners policy attached to their report. According to LexisNexis, XXXX insurance  has validated this as accurate in the disputes I have called in to Lexis Nexis. As you can see from the paperwork attached, LexisNexis chose not to follow the law and get a copy of the homeowners policy from XXXX or the local agent XXXX XXXX to prove that I have a financial responsibility to this account to verify its accurancy. Instead they tried to collect more personal data on a non-property owner and non-policy holder. This is a violation of my rights by XXXX, XXXX XXXX XXXX as well as Lexis Nexis. It is against FRCA to report accounts that are not mine and to verify them as accurate without documentation and an investigation. Furthermore, I have been advised that it violates insurance reporting to attach random claims to someone not responsible for the debt. This is beyond ridiculous that it has taken 6 months for this to not be handled. I demand this be removed from my report immediately. I have called LexisNexis 3 times to dispute this and they told me it is MY problem to validate that it isnt mine. You have to be kidding me? I am supposed to ask the homeowner and policy holder for their policy, Social Security Number, Date of Birth and all to prove it isnt me while supplying all this information on me as well. Hmmmm, this is not how the law works. They need to prove this information, which they can not as I am not on the policy and have no ownership stake in the property. Please investigate and ensure this gets removed from my CLUE and A-Plus reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Citibank is charging me a {$25.00} per month service fee. I should not be charged this fee based upon my combined balances. I have already called Citibank about this fee. They have admitted it is a mistake in their systems ( my accounts were not " linked '' ... even though they are linked ). They seem to be able to correct their system error and I have to call customer service every month to get the fee taken off. No one seems to be able to fix the underlying system 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 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANNER CORPORATION
State: WA

Complaint narrative:
From XX/XX/XXXX to current statement XX/XX/XXXX I've been being charged not only overdraft fees but also Insufficient funds in the same transaction. They have never one time actually cover an overdrafted item for me but still charge both for someone even trying to collect an ACH and also debit transactions. The total amount is {$480.00}. I've contacted Banner on XX/XX/XXXX, XX/XX/XXXX on the chat online and by phone. Also, I cancelled my XXXX XXXX  XX/XX/XXXX. They still tried to get payment of {$6.00}, and i didn't have enough funds. Banner bank didn't pay but had charged {$30.00} for Insufficient funds and for Overdraft on the same items {$30.00} Totaling {$180.00}. I have proof that i cancelled my XXXX XXXX. And XXXX even credited My account back the {$6.00} they received the prior billing cycle. Banner Bank says XXXX owes me the {$180.00} and won't credit my account even though I have a cancellation letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I have a credit freeze on with all three reporting agencies due to leaked personal information by several sources. I used to be able unfreeze my credit by using my pin but can no longer do that and I've had nothing but trouble trying to get into my account with Equifax due to errors they made with my personal information. 

Per their instructions back in the beginning of XXXX, I faxed a letter with the corrections to be made. After not receiving a response, I called multiple times over from XX/XX/XXXX through XX/XX/XXXX trying to get the information corrected. It took over seven phone calls to Customer Service and Global Consumer Care to find out that while they did receive my letter back in the beginning of XXXX, they never updated the information. All but one piece has been updated - I can not get anyone at Equifax to correct my email address so I can reset my password on their website. Every time I call, their system is down for 'upgrades ' and I'm to call back 24 hours later. I even sent message through XXXX trying to get assistance. 

I would like to know if their customer service center is even located in the United States. I cringe at the thought of a foreign  call center knowing my personal information. Equifax should have been shut down after their proven failure to provide adequate protection of sensitive personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
on several occasions. 
I have told people from this company to stop calling. 
I requested that it was my right according to the FDCPA. 
On XX/XX/2019 I told one credit collectors named XXXX XXXX. to stop calling. 
He told me that my word was good only for 10 days and that I should put in writing. 
My last conversation with XXXX XXXX was recorded and he was also notified of those actions. Even though he was polite but he keep insisting of why I was not going to pay this bill. I notified him of my action to come soon. He just ignore me and continue with his attempt to collect the debt. This was The last straw. I tried to put an end to this in a civilize way. I will proceed with legal actions against Mr. XXXX XXXX and his company XXXX XXXX located in XXXX Va. Any other information obtain on this case will be used against them. 
Thank you Mr. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I opened a savings account with Citibank on XX/XX/2019. I was advised with a {$5000.00} deposit I would receive a {$200.00} credit if I kept a balance minimum of XXXX in the account for 60 days. The {$200.00} credit would be credited after 60 to 90 days of that date. 
My balance never went below XXXX as I deposited XXXX and with that amount would not be charged any service fees. Needless to say they never credited me back the {$200.00} for keeping the minimum balance for the minimum time Citibank had requested the funds be in the account. Citibank has refused to even acknowledge this offer.

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 2019-06-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Allied Collection Services, Inc. (Nevada)
State: NY

Complaint narrative:
Upon inquiring to make a payment, they presented me a different amount so I had to explain why. In a mean time, the operator insisted not to listen what I am trying to explain, ended up saying abusive insult over the phone and hang up on me and never pick up the call when I tried to reach out. The issue is their altitude and aggressive behavior towards those trying to make a payment and neglecting their job as a collector. 
Please check the recordings the phone call took place XX/XX/XXXX approximately XXXX ; XXXX EST and a male who picked up a phone call at XXXX ACSI Allied Collection Services , Inc. for the payment for the XXXX who he claim to be a manager.

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 2019-06-05 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: DISCOVER BANK
State: OH

Complaint narrative:
I was set up for autopay with Discover because I was promised a lower rate and payment when I came off of the hardship program. I came off of the hardship program and not only did my rate and payment not lower, they also suspended my account. I called on XX/XX/19 and advised them that I was removing the autopay from the account and I physically took my bank information out of their website so that they couldn't pull the payment. So, I told them verbally on the phone and then removed my bank account info from the account. My payment is not due until XX/XX/19 and apparently they started pulling my payment as soon as I said I was cancelling the autopay. they pulled the payment without my consent or knowledge and over drafted my bank account. I called to have them reverse it and they refused. First they confirmed that I did cancel on XX/XX/19 and transferred me to another department who either wasn't in yet or just didn't answer the phone because my call was disconnected. When I called back, they had changed the notes in the system and said that I called on XX/XX/19 to stop the autopay. I explained that I called on XX/XX/19 and asked that they return my payment to my account along with the XXXX overdraft fee that they caused. They stated that due to the notes made by the person I spoke to on XX/XX/XXXX, they could not return my payment, I asked what notes could that be since I flat out told them DO NOT PULL MY PAYMENT I AM CANCELLING THE AUTOPAY. All he could do was repeat that they would not return the money to my account even though my payment is not due until XX/XX/19. They stole from me in my eyes. They took a payment when they were told in no uncertain terms that they were not authorized to take. And then they changed the " notes '' in their system in order to back themselves up. I want my money back and I honestly would like theft charges filed against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I XXXX XXXX do not nor do I recognize an account with Ad XXXX XXXX XXXX- File # XXXX. 
Nor do I acknowledge that I owe them a debt or any amount of money. 
I have previously sent them a cease and desist letter to stop reporting inaccurately on my credit reports but they persist. 

They sent a letter admitting that they are not the original creditor and have no contractual relationship with me. The amount listed is incorrect and and so is my social security number they have listed which I'm not sure where they got that from. 
This could be a form of ID theft since I believe this was originated online. 

I am attaching the cease and desist letter that I sent them originally and the response letter they sent. It shows no original documentation. 
No chain of title if account was purchased. No signatures by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank account has been compromised I am a victim of identity theft I have contacted bbva multiple times to ask for help in this matter and advise them of transactions I did not authorize have been charged to my account. It has been an ongoing month long battle with customer service and the fraud department to fix this. I call once a week sit on the phone for hours with different reps and supervisors who all have not been able to resolve this matter. Now I am being penalized and my account is being closed in 30 days for something I had no control over. After being a 10 plus year patron of this bank my account is being closed and not replaced. When I am the victim in this I am losing my account, I all ready loss money that BBVA still has not retrieved from the thief that gained access to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-05 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX, ; XXXX 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 2019-06-05 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
XX/XX/XXXX I called Navient for the second time to attempt to resolve a delinquency and attempt to negotiate lower payments on my account for an extended term seeing as I could not afford to pay the full amount due. I had previously called the week of XX/XX/XXXX to change my regular payment date from XX/XX/XXXX to XX/XX/XXXX. I received an email confirmation that the date had been scheduled and changed. For some reason the payment was never dispensed from my checking account. On XX/XX/XXXX I received an email saying that my loans were past due, upon checking my bank account I realized that the payment amount had never been subtracted directly leading to the delinquency. 
As for negotiating lower payments I had previously been enrolled in the rate reduction program since XXXX and had been able to successfully make payments to continue my enrollment in the program. Upon calling Navient I was informed that I have met the 36 month maximum and can no longer be enrolled in the rate reduction program. Then I asked for other options including graduated repayment plans which I was denied on the basis of my repayment having already been extended and mandatory forbearance that would of allowed me to make an affordable monthly payment based off of 20 % of my monthly gross income which I was also denied and informed that Navient has no such type of forbearance despite its presence on the Navient website. The only option Navient gave me was interest only payments for 6 months that capped at one year. After explaining that the interest amount due would still be unaffordable I was given no other other options to avoid delinquency and subsequent default that will happen starting in XXXX. 
An income based repayment plan and/or a no restriction rate reduction plan would allow me to make affordable monthly payments on my student loans to avoid default/delinquency but currently do not exist within Navient nor any other private student loan provider. This has created an extremely infinite and undue financial burden on myself and many others in similar financial situations despite my willingness to pay an amount that I can afford and previously have been.

Company response to consumer: Closed with explanation