vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have a BB & T Money Account and utilize this account to pay my bills. This account does not go into overdrafts and you are unable to utilize funds that are not in the account. On XX/XX/2018, I check my account balance and I had a balance of {$200.00} plus change. I utilized my card to make a XXXXXXXX XXXX   purchase for {$19.00} on that day which posted on XX/XX/2018. I additionally performed another transaction for {$180.00} by visiting a BB & T banking center location and making an ATM withdrawal. On Thursday, XX/XX/2018, I checked my account and there was an overdrawn balance of {$190.00} and some change. How is that possible when there are no overdraft fees or the possibility of overdrawing on this type of account so how am I able to utilize funds that are not there. With this card, you can't even purchase gas at gas pump to avoid overdrawn balances. I reviewed my account and there were no unknown credits or deposits credited to my account. I reached out to the BB & T and inquired as to why I was overdrawn. They basically repeated my account activity but could not answer as to how I would be over to overdraw this account if the funds were not there. As I previously explained, I had an available balance of {$200.00} when I checked my account. BB & T couldn't answer as to why and submitted a problem resolution ticket. Every time I reach out to them for the resolution of this matter, I am only told that it is in review and they do not have an answer as of yet. Due to this bank error, I have experienced financial hardship and I feel as if they are not addressing my concerns because when my employer 's direct deposit credited my account on XX/XX/2018, it was {$190.00} preventing me from paying my entire rent which would have been possible if my account was not overdrawn when it credited my account. This is unjust and completely some type of error by BB & T which they are unethically failing to accept as their fault. This situation occurred soon after the big national news of their system failure that affected me as well. When that incident occurred, I didn't receive my payroll direct deposit for 2 days after the scheduled date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all XXXX XXXX accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, 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 2018-03-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
We went in to XXXX XXXX XXXX in XXXX and purchased a van. We told him we didnt have money for the down payment and started asking about our cars. With a lot of pressure we signed a contract the next day we told him that we werent able to afford that. XXXX the manager said pay or go to collections. So XX/XX/XXXX we had to go sell our XXXX to the dealer and pay the deposit. Monday XX/XX/XXXX we receive a letter saying are contract was canceled. We try returning the van and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: TN

Complaint narrative:
I had a credit card with Bank of America. ( I closed the account yesterday, XX/XX/18, because of this outrageous incident I had with them. ) At the beginning of XXXX, 2018, my credit card balance was {$5800.00}. I paid the amount in full on XX/XX/18. At the time, I also set up automatic payments so that in the future the full balance would be paid on the XXXX of each month. As of XX/XX/18, my account at BoA was {$0.00}. I did not use the card again. 

On XX/XX/18, BoA issued an automatic withdrawal from my bank for an ADDITIONAL {$5800.00}, even though my balance had been paid off in full 24 days previously. 

Of course I did not have that money in my bank account, so my bank account was overdrawn, and I was fined by my bank. When I called BoA to explain the situation, I was routed to multiple people and supervisors, all of whom told me that it was my fault that this happened and that they could not remedy the situation.

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 2018-03-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian advised that they verified incorrect information reporting on my credit report. I asked for proof of the verification and was not provided any. I was advised that the information was verified, however I have never been supplied with any proof. After going to company that Experian alleges that verified information, I was advised in writing by XXXX XXXX and Bankruptcy court that the information provided by Experian is a lie because the courts do not verify information. XXXX XXXX also advised that they have not supplied Experian with any information regarding this incorrect information that is erroneously reported on my credit report. It is very evident that representatives at Experian are NOT verifying or validating any information, however are only responding with form letters without any due diligence.

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 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
i have submitted all the proper documentation for a block on my credit report, in accordance with section6058 of the fair reporting act.

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 2018-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have been a member with American Express for over 4 years and always have had problems with them they never want to help you in the moment of need or waive fees for that same reason I closed two credit cards with them, but they cancelled my plenti credit card without my authorization or at least explaining why they did only stated because they will no longer offer Plenti rewards, and they are still charging interest and fees for an account that was cancelled by them. Please help this is unfair and at this moment I am unable to continue with the payments yet I do not want ruin my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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 — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I recently moved to California and was in the process of switching to a new Credit Card. I called to cancel my American Express Delta Gold Sky Miles Card and was under the impression it was canceled. However, it was not and there was still a XXXX $ balance on the statement that went unpaid for 60 days. This severely hurt my credit and since I had moved to a new address the mail had not reached me in time to pay this on time. I have now paid all debts and closed all American Express accounts. 

I have NEVER missed a credit card payment until now and as a result all of the " Big Three '' credit bureaus have lowered my credit score by 123 points which has not put me at a " fair '' rating. I view this as highly unfair and furthermore it makes the process of buying a house in my new city extremely more complex. 

I would like to understand what my options are to fix this since I have maintained a pristine credit report up until this time. 

Best, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX  Transunion and XXXX  are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX   XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

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 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXXXXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help

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 2018-03-29 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.

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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Now this debt which is passed the statute of limitations in the state of Texas is sold to this company who is now harassing me regarding this debt and has threatened to place it on my credit reports for all 3 bureaus and take legal action. They continue to call and hang up on my phone while I am at work. They call from different numbers stating they need have documents or issues. One day I believe they even called me before XXXX XXXX. They call 4 times a day on my cell at least daily. I have not given them permission to call me or my cell. They dont leave messages. I feel threatened. I am being harrassed day and night. This company does not have a surety bond in the state of Texas to collect, which is required. Yet, they continue to attempt to collect and violate Texas law. I filed a compliant against this company with the Texas attorney generals office. I am also seeking a class action lawsuit with my attorney due to the mental, emotional and medical stress and distress this is causing me as a XXXX a patient awaiting XXXX. Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service. Please note XXXX XXXX and XXXX   are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line or not place it on my report altogether if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ) Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Accounts & Advisers, Inc.
State: GA

Complaint narrative:
American Accounts & Advisers is fraudulently attempting to collect debts not owed. In response to my previous CFPB complaint ( XXXX ), American Accounts & Advisers stated that they have 5 collections accounts for 5 procedures at the XXXX XXXX XXXX. This is completely false, and I received verbal and written confirmation with XXXX Hospital today ( The XXXX XXXX XXXX is a division of XXXX Hospital ) that I only visited the XXXX XXXX XXXX 1 time, on XX/XX/12. This visit was paid for and there was no outstanding balance. There were not 5 visits as American Accounts & Advisers is fraudulently claiming. I have requested proof of these alleged office visits/procedures from American Accounts and Advisers, which they have failed to provide, because the 5 procedures were not performed. American Accounts & Advisers has also falsely claimed that they have sent 4 letters and attempted to call me regarding these fake debts, which they have not. This company is committing fraud and destroying my credit score in the process. The should be investigated for their corrupt practices. They should be able to provide proof of the 5 visits that they allege I owe payment for, but they can not because it is a lie. I have my file from XXXX Hospital which shows the 1 visit on XX/XX/12, and I will provide XXXX 's contact information so that my statements can be confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Equifax, XXXX XXXX XXXX are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX Experian are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " long-term XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.

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 2018-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
They are from a PayPal account apparently that I owe over three hundred and something dollars that I have already paid and I keep telling them that but they don't get it they called me on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Citicard declined a fraud claim. They fail to comprehend that I had 2 credit cards in my name on the same account as well as the card being used in 2 different locations. My card was fraudulently used on XX/XX/XXXX at XXXX XXXX, XX/XX/XXXX {$39.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX {$190.00} XXXX XXXX and XX/XX/XXXX {$320.00}. XX/XX/XXXX XXXX XXXX {$320.00} XXXX XXXX  I used my card on XX/XX/XXXX at XXXX, XXXX and XXXX in a different city and I sent them all addresses of my legitimate transactions and the fraud transactions as well as mapquest showing the miles and time and that i cant be in 2 different places at once. My chip stopped working in XXXX  and I requested a replacement card. I never destroyed the chip card that sometimes worked. I had two cards in my name on same account and one was lost. They actually told me to file a police report, call the merchants and requested the front and back of mine and my husbands drivers licenses. The total fraud is like {$600.00}. I have been a Citicard member since XX/XX/XXXX and spend $ 2-3k a month on Citibank and pay in full every month. Im not sending in my drivers license. Can they legally request this information? Im concerned about identity fraud and I feel they dont need this information.

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 2018-03-29 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:
I want to report TransUnion & XXXX for continuing to have credit card accounts, loan accounts and student federal loans on my report that do not belong to me. I've filed a complaint at my local police department, sent numerous letters to these two companies and this has been documented and ongoing since XX/XX/2017. The companies that remain on my account that I have disputed have never provided proof and I contacted them directly as well. Ive reported them to the FTC, submitted fraud paperwork with them as well and sent in copies of my social security card and my driver 's license.

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