vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank of America. I provided a check for my annual mortgage tax payment of a significant sum ( nearly $ 15k ). The check was deposited by the tax commissioner on XX/XX/XXXX. The funds in my account were ~ {$60.00} short of the entire ~ $ XXXX payment. Direct deposits for the two spouses on the account clear at XXXX  on XX/XX/XXXX ( show on the XXXX ). Bank of America could have easily held the check and clear it only a few hours later. Those direct deposits would have shown to Bank of America at least two business days previous prior to cleaning, so they would have been perfectly aware that the funds were set to clear. I received notice from Bank of America on XX/XX/XXXX that they rejected the check, did not pay and issued a {$48.00} NSF fee. They also withdrew the funds from my account and have not returned them ( they say they will at XXXX   tonight ). As a result of the rejection of this payment when B of A knew the funds were clearing within hours, they have both charged a NSF fee equal nearly to the shortfall in the account, taken advantage of a NSF fee on a shortfall of less than 0.5 % of a check amount and were perfectly aware that two direct desposit checks were showing at XXXX. Now, in addition to the NSF fee, we must take the steps of contacting our local tax commissioner to determine how to pay and will be charged a fee by the local tax commissioner.

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 2019-10-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: NC

Complaint narrative:
I made a scheduled payment to Navient on XX/XX/19. My payment was not late and it was made in full. 

On Tuesday, XX/XX/19, Navient proceeded to call my place of work. I work in a restaurant, and the owner of the restaurant answered the phone. He was unhappy that I had received a personal call on the restaurants phone line. I was also in the middle of a busy lunch shift and did not have time to talk to a representative on the phone ( about a payment that had already been submitted ). 

My manager later informed me of this phone call from Navient. I called my account manager to make sure that I had indeed submitted this payment, and she said that I should absolutely have not received this phone call. 

I do not appreciate being harassed at my place of work for a payment that had already been made. I also did not wish for my coworkers and restaurant owner to be aware of my crippling debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have attempted on numerous times to dispute an account that has ERRORS. Equifax continues to " update '' my account & stating it's resolved with the error remaining instead of DELETING the account because it's a violation of my rights. 

the account is showing i have a PAST DUE ( current ) balance, but with a collection that's impossible. Because of this, the account needs to be removed from my credit report immediately due to not properly validating the information. I do not want Equifax trying to stall or ignore my right to remove this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Best Buy applied a {$58.00} Payment Due to the XX/XX/XXXX credit card bill and there were no charges made in XXXX or balances due for XX/XX/XXXX. In XXXX a {$59.00} late payment was made on the account to eliminate the balance. In XX/XX/XXXX a New Balance of {$48.00} was carried over to the XX/XX/XXXX credit card bill. In XXXX a purchase of {$11.00} was made using the credit card and a payment of {$77.00} was made on XX/XX/XXXX that Best Buy did not use as a payment until XX/XX/XXXX so that Best Buy could make overcharges of {$87.00}. When the XX/XX/XXXX credit card bill came for {$12.00} it was paid in XXXX and no purchases were made. From XXXX to XXXX no purchases were made and calls to Best Buy, lasting from1 to two hours, were made and Proof was sent to Best Buy using billing statements, payment receipts, and certified mail. Best Buy would only offer payment arrangements. The credit card bill is over {$400.00} now for interest and late fees only and Best Buy destroyed my credit rating I had since before 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 2019-10-31 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: IL

Complaint narrative:
I AM NOT LIABLE TO THE DISPUTED ACCOUNTS, THOSE ACCOUNTS WERE NOT AUTHORIZED BY ME. PLEASE CONDUCT A RE-INVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORTING ACCURATE ACCOUNTS. PLEASE HAVE THOSE ACCOUNTS REMOVED FOR THEY HAVE CAUSED SERIOUS DAMAGE TO MY NAME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: OH

Complaint narrative:
US BANK Lease I always use the US Bank Automated payment system to make my payment. 

In the early part of the lease, I miss-typed my bank account number and a payment was rejected. 

I noticed that my account was not debited so I made the payment at that time. 

Every time I call in to make my payment, it only says the regular payment is due. 

When requesting a payoff last week, I found out that over {$600.00} in fees have been assessed to my account. 

US Bank has not returned my call to inform me if they are willing to reverse any of the fees assessed. 

The payment due on the automated system should say what is actually due. Had I known this was an issue, I would not have let this continue over the years. 

Any assistance you can offer is appreciated. 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 2019-10-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Hello, On XX/XX/XXXX I submitted a credit card application with Capital One. To further process the application credit one asked me to send them more information. I did not receive this request. Once the window for application closed I was apparently informed that because I did not send the required information the application can not be further processed and the application will no longer proceed with processing and will be terminated, effectively terminating the application. 

On XX/XX/XXXX after I went into a Capital one bank to submit a new application. It was immediately declined because 'Based on your application information, there is currently a pending or recently processed application with Capital One. 

I phoned Capital one and informed them of the discrepancy. Capital One denied assisting in the problem. I asked to be put to the complaints department and they told me they could not do so, the gentleman XXXX told me there was no complaints department, he was the the person who complaints went to and then terminated my call. 

I am requesting that any and all hard enquiries of both circumstances be removed as a result of their broken system.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX  XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019

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 2019-10-31 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: STATE EMPLOYEES CREDIT UNION
State: WY

Complaint narrative:
please update this account STATE EMPLOYEES C UXXXX XXXX XXXX XXXX, NC-XXXX ( XXXX ) XXXXAccount Number : XXXX, to the statues of paid off and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Barclay has been allowing unauthorized charges to my credit card. 

In XXXX, my credit card expired. I called them to cancel the card, they refused and instead downgraded the card to one without an annual expense. 

In XXXX, a company had charged the card that had expired in XXXX, despite not being authorized to do so. When I called to dispute why Barclay 's authorized a charge to a card that expired in XXXX, they said that they do not care about if a card is expired and will continue to charge that and other cards associated with the account, even if the merchant does not have any active or correct information. Barclay 's will simply search for any other account in that individual 's name and attach a charge to that. 

Barclay 's has blamed me, because I did business with that vendor once over 2 years ago and that I should have anticipated that they may charge me again in the future whether it was authorized or not.

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 2019-10-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I have an existing credit card with XXXX / Comenity Capital Bank. In XXXX of 2019, it had a balance of {$600.00}. In XXXX, I opened a credit card with XXXX XXXX because it had favorable interest rates on balance transfers. I completed a balance transfer from my XXXX XXXX card for {$600.00} to XXXX / Comenity Capital Bank in early XXXX. On XX/XX/2019 I received verification via mail from XXXX XXXX that confirmed that a wire was sent to XXXX / Comenity Capital Bank. I called XXXX XXXX and confirmed that a wire was sent to XXXX / Comenity on XX/XX/2019 for {$600.00}. Comenity Capital Bank never credited my account. I had to call them multiple times to request them to look into why I never received the credit while at the same time, paying the minimum amount each month on an amount that I no longer owed so that my credit would not be affected negatively. After gaining no resolutions amid trying to work with XXXX / Comenity Capital for 2 months ( I was told to wait and see if the balance would update since it probably had not been processed yet ), I filed a formal dispute in XXXX and the gentlemen on the phone asked me to upload documentation showing the balance transfer. I had to find the documentation from XXXX XXXX and when I was going to upload it, I received a notification ( this was < 30 days ) that my dispute was closed and they could not verify my balance transfer. I called back and re-opened another dispute and uploaded the documentation and I was told that they would look into it and credit my account. I didn't hear back from XXXX / Comenity after I spoke with the Customer Service Representative. It was only after I told them that I filed a complaint with the FDIC and gave them the reference number that I finally heard from their customer service department and they said that they were looking into my dispute and would not collect payments on the amount while they looked to see if they could approve my dispute. It has been almost 5 months and they still have not credited me the amount that I owe and I am making monthly payments to ensure my account does not report as delinquent on my credit report and also paying XXXX XXXX payments, so in essence, I am paying on 2 balances for the same amount, and XXXX owes me the credit of the balance transfer, as well as the monthly payments that I have made since XX/XX/2019 to current ( as of the date of this filing ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: GUARANTEED RATE INC.
State: MD

Complaint narrative:
What is this complaint about? 
I'm getting a refinance with GuaranteedRate. 
What type of problem are you having? 
They sent me an email saying " Your refinance loan is Clear to Close, meaning the Underwriter has signed-off on all documents and has issued a final approval '' What happened? 
I began the refinance process on XX/XX/2019. I contacted GaranteedRate and was in touch with XXXX XXXX, Mortgage Specialist XXXX O : ( XXXX ) XXXX - F : ( XXXX ) XXXX. I have been going through the whole process and signed the loan commitment papers. my Closing date was suppose to be XX/XX/XXXX. XXXX also mentioned that he had to go out of town, because of a family emergency. On XX/XX/XXXX XXXX sent me an email saying I was clear to close. The following week ( XX/XX/2019 ) I called numerous times and sent text and my call was never returned. I continued to call and when I didn't get an answer, on XX/XX/XXXX I called XXXX XXXX, Loan Coordinator, XXXX O : ( XXXX ) XXXX -she said she would try to get in touch with XXXX and have him call me back. Two days later XXXX  called to tell me that the program that I was approve for was suppose to be discontinued on XX/XX/2019 but he was informed that it was already stopped. Which doesn't make sense, if it was why was I given the clear to close? Finally on XX/XX/XXXX XXXX sent me a text saying " Hey XXXX, I just tried to give you a call. We just got the word from upper management that we will be denying your loan due to program unavailability. Your credit card has been refunded as well today. I'm sorry I was not able to get this done for you. '' What can I do about this whole situation it seems to me that they drop that they dropped the ball on this loan, and now I have to start the process all over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have made several attempts to delete the following charge off account. Equifax continues to " update '' & resolve my account instead of DELETING it because it contains inaccuracies. The account is claiming to have Past Due Balance, but as you know this is inaccurate which is a violation of my rights so as a result of that this, this account needs to be removed from my reports -- not updated but removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I just checked my Credit Report and noticed an account from Capital One ( that has late payments ) that does not belong to me. I do not have any Capital One accounts. Please see attached screenshot. Please communicate in writing only. I have also previously disputed these items with the credit bureaus and yet Capital One continues to disseminate this information to the bureaus month after month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.

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 2019-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
After receiving notices about data breaches with the credit bureaus I sent requests to get my reports and tried but was denied by all means including the free annual credit report. I feel as though all 3 credit bureaus have violated my rights to view my credit reports to see if there is any fraudulent activity that has occurred.

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 2019-10-31 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 

ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX/XXXX XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX- XX/XX/2019 XXXX XXXX- XX/XX/2019 XXXX XXXX XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
I have had my checking account with SchoolsFirst FCU for a fee years and have ALWAYS paid my bills on time with them. My account is a functioning daily usage account. I have been threatened by a customer service agent called XXXX that my debit card usage will be cancelled and that I will be allowed ONLY ATM use because of the number of disputes that Ive had! I have ALWSYS povided and offered to provide physical AND email conversations with vendors that VERIFY and SUPPORT the logic of my disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Harris & Harris, Ltd.
State: CA

Complaint narrative:
Harris and Harris Debt collectors uses a robo caller to call my home phone number incessantly. I've received dozens of " robo '' voice mail messages. Today, I was home from work so I answered the call myself. Again, it is a robo caller/recorded message telling me they are debt collectors. I have no past due debts. I recently refinanced my home and there was nothing negative on my credit report. Additionally, when I XXXX the telephone number, I discovered many, many similar complaints. The number is registered to XXXX XXXX XXXX, a lawyer and debt collector in Illinois. From my research, it appears he collects old debts for parking tickets and outstanding tolls. The biggest problem I see with this is, I live in California, and other than a layover at XXXX XXXX, I've never been to the state of Illinois. I've never driven in Illinois. I've never walked outside the XXXX airport! I've never taken my car outside of California. If I drive out of state, it is always a rental car. The rental car agencies pay the tolls and automatically bill the credit card they have on file for their customer. There is no possibility I owe a toll or parking ticket fine to ANY municipality. 

Harris and Harris Debt Collectors appear to be scam artists. XXXX is their phone number as it appears in caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-31 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: GA

Complaint narrative:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


ACCOUNTS : XXXX XXXX XXXX/XXXX XXXX US DEPT OF ED/XXXX XXXX INQUIRIES : XXXX- XX/XX/2019 XXXX XXXX XXXX- XX/XX/2019 XXXX XXXX XXXX XX/XX/2019 XXXX XXXX- XX/XX/2019

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 2019-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I didn't apply for this loan identity theft

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