vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Hi, I have an issue with my bank again. This time will be the last because Im going to close bank account with Bank of America. I again have been charged overdraft fee of {$35.00} for scheduled payment of {$27.00} to my XXXX credit card. The payment was scheduled for XX/XX/XXXX ( when I had plenty of money on my account to cover this payment ) and they withdrew overdraft fee today XX/XX/XXXX. In the past Bank of America could charge me overdraft fee because on the day of scheduled payment I didnt have enough money to make scheduled payment even if I deposit money next day after scheduled payment and the payment would be withdrawn the day when I have enough money Bank of America still was charging me fee. So the explanation they had is that they dont care the day you scheduled you had not enough funds so doesnt matter that you deposited after and the day payment if withdrawn there was funds enough to cover payment. That was their principle. Now theyre trying to go opposite and convince me that doesnt matter that I had enough funds when I scheduled payment. Once my balance became negative ( yesterday ), negative few cents, not even one dollar, thats the moment they cought to charge me overdraft fee of {$35.00} that is bigger that a payment of {$27.00}. Its ridiculous. Of course I called and tried to solve it but respond is very tough and not helpful in any way. They are trained very well not to help with overdraft fee. I absolutely sure that this time Im changing my bank. They charge me {$25.00} every month for maintenance if I dont have XXXX but there are other banks that dont require this much to maintain my account with no fee charge so its already enough for me to be not very happy. But with this overdraft fee with and without good reasons Im more than fed up

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 2018-09-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I visited a Bank of America Financial Center at XXXX XXXX XXXX, in XXXX, CA in order to obtain a cashier 's check in the amount of {$540.00}. I have a primary checking account that I use for day-to-day transactions, and a secondary account which I only use to receive rents from rental properties and pay mortgages on those properties. The teller failed to ask me which account to withdraw the funds from, and incorrectly withdrew the funds from my secondary account. She even filled out the withdrawal slip and put the wrong account number on it ( I have a copy and it shows her handwriting ). I signed the slip, not spotting her error ( the account numbers are only one digit apart ). I later discovered that the funds were taken from the wrong account, and this caused the secondary account to be overdrawn as it occurred right as my scheduled mortgage payments were going out. 

Bank of America then proceeded to charge me two {$35.00} overdraft fees because of the teller 's mistake. When I called their customer service department on XX/XX/XXXX, they at first refused to refund the fees and refused to acknowledge their error, and after an hour of phone wrangling, I finally connected with a manager named XXXX located in the XXXX. XXXX Deposits center ( XXXX XXXX ) who was completely unhelpful and blew me off. He stated that because I had signed the slip incorrectly filled out by the teller, it was my fault and therefore they would refund one of the fees for {$35.00} as a 'courtesy ' but not the other {$35.00} fee. I asked him to contact the bank to verify that the teller had mishandled the transaction and he refused. 

On the withdrawal slip I've attached, you can see the teller 's handwriting ( she filled out the entire slip ), which is clearly different from my signature ( the only part I filled out ). 

I should not be charged any fees whatsoever due to the error committed by the bank 's own employee.

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 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California, XXXX XXXX Bank Of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Sir or Madam : I am writing to dispute a 3 billing errors in the total of {$1700.00} on my account. The amount was unauthorized by me because Ive called on XX/XX/XXXX and specifically requested to delete the authorized user on my account and I clearly mentioned that I dont want him to use my card limit starting that day. Your Associate confirmed that he deleted him and he no longer can use my card limit. I called your customer service on XX/XX/XXXX to inform them that I was surprised with 3 different transaction made on XX/XX/XXXX & XX/XX/XXXX for the above mentioned total! all they can offer me is an apology for the mistake that my account was not blocked from the beginning as requested by me and that they can not do anything about it. I am requesting that the error be corrected, that any finance and other charges related to the amount be credited as well, and that I receive an accurate statement. 

Enclosed are copy of my statement showing the highlighted transaction that were made after my request. Please investigate this matter and correct the billing error as soon as possible as I believe we would avoid all this situation if the bank just processed my request. Please note that Ill be  submitting a copy of this letter to the CFPB. 

Sincerely,

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 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NOVA Financial & Investment Corporation
State: AZ

Complaint narrative:
I am closed on a home XX/XX/2018 in zip code XXXX. I have received the lender 's CD and the title agency 's Settlement Statement. The final " cash to close '' number match between the documents, which is great. 

The problem that I have is, the accounting of the numbers that add up to the " cash to close '' are vastly different between both documents. Which document should I trust? Both companies wanted me to sign the forms to proceed with the closing. 

Honestly, I shouldn't be forced to sign these documents in order to close, if one or more documents are wrong. 

After being more pushy, the title agency provided a correctly itemized settlement statement, the lender told me they were unable to provide a correctly itemized CD. 

What was more odd, the title agency gave me the okay to re-itemize the settlement statement to match the lender 's itemized CD. I refused. 

I am attaching the correctly itemized settlement statement and the lender 's CD. Which do you think is correct?

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 2018-09-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
30 Day Late listed on credit report. I sent the correct documents to validate and support my claim. The account have been removed from the other two major bureaus, but Equifax has yet to address the issue, remove the account or at least the 30 day late and the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX Santander autho consumer USA XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC
State: PA

Complaint narrative:
borrowed {$1000.00} payments to be {$330.00} per month for 12 months at 497.27 % interest. loan was made on XX/XX/XXXX. Total payment for {$1000.00} loan will be {$4100.00}. I think this would be excessive in the state of Pennsylvania. Money being taken through direct debit until XX/XX/XXXX. Bank account closed at advise of bank to prevent further withdrawing from account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
There is a business credit card with Chase ( it was a XXXX, then Chase converted it to a XXXX despite the company 's objections ). Several times a few years ago, Chase confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told Chase about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from XX/XX/2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: WI

Complaint narrative:
In XX/XX/2018, My credit score reported to XXXX XXXX by TransUnion was XXXX. During the month of XXXX, we sold a house which closed a mortgage, HELOC and paid off a vehicle. My credit score took a dive to XXXX in XXXX because we CLOSED 3 accounts. I contacted XXXX to discuss this, and they told me to contact a credit consultant to get my credit rating back up - I DON'T NEED a credit consultant to take out more credit - I need my credit score back to where it was prior to closing out my accounts. The fact that my credit score would fall 37 points because I paid off and closed accounts in which I owed over {$120000.00} is insane. No one will update my credit score.

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 2018-09-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX, I learned that my ex-wife has a Navy Federal Credit account and car loan. I called Navy Federal several days to figure out how she had an account, because in order to have an account, you have to have a sponsor in the Military with their social security card number, account number, rank, and full name. During the phone call with Navy Federal, the first person told me that my ex-wife opened the account in XX/XX/XXXX. Please note, the ex and I were legally separated XX/XX/XXXX. The second person I talked to, after an hour on the phone, took me off as the ex 's sponsor, but declared that the ex using my information " was not fraud. '' XX/XX/XXXX, Navy Federal responded with a very blanket response stating it was " Not fraud '' once again. They did not respond with how my Ex opened the account using me as a sponsor, what information she gave them, or what they plan to do to fix this problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Summit Financial Corp.
State: AL

Complaint narrative:
I have been disputing this debt on my credit report because Summit FinanciaXXXX and XXXX XXXX XXXX XXXX, and XXXX XXXX, which I have submitted court documents and pictures, have reported the incorrect information to the Credit Bureaus. Under the FCRA, it states that if any of the consumer 's information in not 100 % accurate, then by law the credit bureaus are under obligation to investigate it and remove that item ( s ) from that consumer credit file. I have disputed this for over 3 years, with no success. I have submitted documentation to the credit bureaus from the creditors stating my position and they still will not remove these items from my credit file. On XX/XX/XXXX, I sent in documentation, then again on XX/XX/XXXX. I have just recently sent more documentation in around XX/XX/XXXX. The only results I am getting is the items are being updated on my credit file. I have received correspondence from the creditors saying that they have no identifiable information in their system on me. I have even called the creditors and was not able to speak anyone and I also left messages, but received no return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
On my credit report, it shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. As a XXXX year old XXXX student, I've never once filed for bankruptcy, foreclosure, civil judgement, etc. This false derogatory record is damaging my credit score which I'm working hard to develop in order to buy a house within the next five years. Please help me delete this false record off my credit report. This most likely was a security breach. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
We have a mortgage with TD Bank that has auto pay so we do not miss any payment. The auto pay is also thru TD. This XXXX, TD Bank apparently raised our Escrow {$50.00} without any notification although neither our taxes Or insurance went up. The XXXX payment was short {$50.00} and TD immediately reported us as late Payment. As soon as I was aware I paid the {$50.00} event though I did not agree. Our Perfect credit score dropped 100 points. We tried to work with TD Bank and their Collections were very nasty and refused to remove the reported late payment stating TD does not make mistakes. We had many mistakes made during our loan process including money removed from our account we did not authorize but we always forgave them

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MN

Complaint narrative:
On XX/XX/2018 I wired {$300.00} through Western Union online to pay a bill from one of my bank accounts to another. I paid a {$.00} fee for a 6 business day delivery. I called 7 business days later. First I was told that the money went through and is with my bank so contact them. I did contact them the same day and my bank told me that was false. Someone from WU said they would call the bank and straighten it out but I never heard back. I called several times since then and then was told a refund was issued with no reason why. I was then told that it can take up to 7 business days for the return. I have emailed and called since with no help and a lot of transfers and hang ups. I wait a long while to speak with people only to be transferred without help. I email the customer service desk with more promises about an investigation on this case, and I will hear back but have not for days. They did finally verify that i indeed do not have the money, but refuse to give me my money back and wont give me any answers. I did make a XXXX cell payment from the bank account that I was told the money was being returned to but since it never was I was over drafted with a {$30.00} fee attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One has violated their Terms and Conditions agreement regarding my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05 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: PA

Complaint narrative:
There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

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 2018-09-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-05 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is a business credit card with XXXX ( it was a XXXX, then XXXX converted it to a XXXX despite the company 's objections ). Several times a few years ago, XXXX confirmed via its Secure Message Center that I am not personally liable for this account. Despite that, they are reporting negative information about that business account on my personal credit report. I've told XXXX about this, but they will not have this information removed from my account. They should have a record of the messages ( I think they were from 2015 ) in their file, so there is no reason why they should make these mistakes. It's dropped my credit score from well over 800 to being in the 600 's.

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 2018-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hi, I opened account in XX/XX/XXXX. The banker told me I do had XXXX new account bonus cash when you set up direct deposit total XXXX in 90 days. I finished my qualification in 3 months.But 5 months later, I still not get anything. I contacted them 1 month ago. The customer service said will pay me in one month. But I contacted them today. The manager name XXXX said they don't want to pay it to me. They changed story said I am not Targeted with this offer!!!! They should honor it what they said. I need my XXXX bonus.

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