vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-06 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: NV

Complaint narrative:
On  XXXX / XXXX /  XXXX   or  XXXX / XXXX /  XXXX  , I deposited a check for {$190.00} into my Bank of America checking account via my phone. I knew I had a billpay check for {$130.00} going to a creditor that was scheduled to be  paid on   XXXX  
 BofA said the {$190.00} check would be good to cover items that posted on  XXXX / XXXX /  XXXX  . I assumed this would pay for the {$130.00} payment.     I carefully monitor this account. All day on  XXXX / XXXX /  XXXX  , there was never any overdraft notice. All day on  XXXX / XXXX /  XXXX  , there was no overdraft charge. But, when I returned home from work after  XXXX , in the morning of  XXXX / XXXX /  XXXX  , there was a backdated overdraft notice and charge for {$35.00} on  XXXX / XXXX /  XXXX   for the {$130.00}.     This seems grossly unfair.  1. I had money in the bank to cover the charge. 2.  The bill was not scheduled to be paid until  XXXX / XXXX /  XXXX  , when my check would have posted.  3.  I was never notified that a payment had posted on  XXXX / XXXX /  XXXX  , even though I have every type of alert possible set up for this account, and I monitor my account closely. Had I known that the bill payment had posted on  XXXX / XXXX /  XXXX  , I would have immediately withdrawn funds from another bank and covered the payment.     I have asked for a refund of the overdraft charge, bu t BofA  refuses to give it to me. They claim that I should have known that the bank might pay my bills early and not tell me about it!     I do n't think it should be legal for banks to backdate items when backdating causes the consumer to be charged fees. Seems like a sneaky tactic designed to enrich banks. In addition, it should be required that banks notify customers immediately whenever they are overdrawn so that they can put money into the account to cover the overdraft without incurring a fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
XXXX   XXXX   XXXX  , I called  Wells Fargo bec ause I cancelled all my autopay with my credit card companies and loans in  XXXX  of  XXXX . I noticed that a few were still debiting my account without my consent. I contacted  Wells Fargo  and told them that I just wanted to close the account be I felt that I did not have any control over the account. They suggested that I open a new account with a new account number and that would solve the problem. They filed a claim for me to get the a refund on all the money that I lost due non authorization debits on my account. I thought my troubles were taken care off. I noticed that on the new account, it was still being debited!!! Wow!! I called them and was told that by a supervisor that she had made the necessary changes and would re-file my claim and it should not happen.  Guess  what? Not only did they deny my claim but it was still happening. I was just frustrated with them so I called them to close my account again. They would not let me close it. Now because it has been negative due to them accommodating debits on a new account, with a new account number they finally closed it. I want to resolve this issue because I do n't owe them anything and I do n't want this on my credit report when I did everything that I was suppose to and they did n't. I am hoping to resolve this issue. This has been very stressful for me and no one should have to encounter this. I was actually a good  Well Fargo Customer.

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 2017-05-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We have an  Equity line of Credit with PNC. The first 10 years were interest only and then reverted to a principal and interest payment plus a percentage. We have tried since the beginning of this mess to get answers from PNC and ha ve never received anything but promises that we will be receiving something. In  XXXX  of   XXXX   our letter of written request was approved by  PNC 's i n house counsel  XXXX   XXXX . As of today we have not received anything in writing to our questions. We have contacted  PNC by   phone, we have sent registered letters and still silence. We did modify the loan into a 15 year fixed principal and interest payment but we are not clear the amount that was modified is correct. All we want is our questions answered.

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 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.           XXXX   XXXX   XXXX   Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XXXX / XXXX /  XXXX   Payment {$0.00} Payment Status Charge-off

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 2017-05-06 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
In XXXX we received a letter for Chase stating that we had applied for an Amazon.com Visa Signature card. We had not. We called Chase and they blamed us by stating that we 'clicked a button ' at Amazon that initiated the request. They told us that they would close the request.
Last week we received another letter from Chase that has exactly the same information. Today I pulled my credit report and am shocked to see that Chase has continually been running credit inquiries. These inquiries have brought my credit score down. The inquiries from Chase, which I did not initiate, were on these dates : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with Amazon and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a Chase Credit Card from Amazon. Thus this is a repeated fraudulent request. Can you assist with resolving this so that my Credit History is fixed and does n't continue to drop?
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XX/XX/XXXX    CFPB : RESPA  Section 6 -  Please have JPMChase refund to me its erroneou s  XX/XX/XXXX   {$5.00} Late Charge on my ARM Loan and notify Credit Bureaus of Error.     Truly,   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX    XXXX , IL  XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On  XXXX   XXXX  , 2017, I  went t o Capital One credit card website to dispute a charge that was on my credit card. As I was trying to dispute the account I wanted to go back to the next window to get a phone number for the company that put the charges on my account. The word " cancel '' came on the screen so I pushed " cancel '' and instead of going back to the other screen while trying to dispute my account I pushed this word thinking I was going to go back to the dispute page. This cancelled out my credit card that had been using for the past two few years!! I called Capital One to see why I could not use my card they stated that there were fraudulent charges. I told them " no '' I wanted to go back and dispute the charges but the only button available was " cancel '' I asked to have my card reinstated because there were no fraudulent charges I still have the card. Capital One stated that th ey would send out a replacement card. It has been two weeks and I have been waiting on my card in which I need for emergencies but do not have at this time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC
State: PA

Complaint narrative:
I have asked in writing and repeated phone calls for Debt recovery solution to send me any and all signed documentation of any business that I have with them. I have not received any such documents to this day. I have NEVER done any business with debt recovery solutions, I do not know of any documentation with my signature of any business that I have with debt recovery solution. Debt recovery solution continues to report on my credit an open account with a balance of {$150.00}, with their disgusting business practices reporting this on my credit report is causing me emotional and financial distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Somehow My father accidentally added me as an authorized user on his credit card at  Home Depot.  I was never and have never been involved with his  Homedepot  account and never had anything to do with it. I never signed anything or was asked if I desired to be added to the account. I have since had myself removed from the account but it still effected my score. It shows a drop from the    XXXX   XXXX   d own into the    XXXX   XXXX   a nd has affected my ability to get an addiquit house loan. Homedepot removed me from the account but my credit report still shows that I was responsible for the account for some period of time. I need this to be removed from my credit report entirely because like I said I never authorized any such thing and I feel like whoever processed this without my permission has done something entirely illegal. What would keep me from walking into a Homedepot and telling them that I want to add  XXXX   XXXX  as an authorized user on my account and affecting he r credit score. It jus t does n't make any sense. I know this was a misunderstanding and my father never intended to add me so that is n't the issue, it 's just my credit report that is the problem. Home  Depot  has done what they can and removed me from the account, I just do n't know how to make the credit report agencies understand that I was not ever involved at all

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 2017-05-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I have been trying to ge t U.S  Bank to give me a payment that is in my price range, so that I can keep my home. I am retired and every time I do a loan modification for my home, the payments seem to get higher and higher. I am retired with a fixed income and there is no way I would be able to pay what they are telling me I have to pay to keep my home from being foreclosed. I have been doing this process since   XXXX   and it does not seem like we are getting anywhere. I feel like this company is prejudice and discriminating against me. I have been trying to work with them but they just do not want to hear it. They rather see me outside and no where to stay then give me an modification for a payment that I can make.

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 2017-05-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that they block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of the identity theft.          XXXX   XXXX  SERVICES  XXXX   XXXX  SERVICES Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off Account #  XXXX  Account Type Auto Financing Companies Balance {$21000.00} Past Due {$1900.00} Date Opened  XX/X/2014    Payment {$0.00} Payment Status Charge-off

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 2017-05-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
I entered into a mortgage loan agreement with  XXXX   XXXX ,  XXXX  on  XXXX / XXXX / XXXX . In  XXXX  of  XXXX , the loan servicer was switched to  XXXX   XXXX . In  XXXX  of  XXXX , the loan servicer was switched again to LoanCare , LLC. I was notified of the switch via mail on  XXXX   XXXX ,  XXXX . During the most recent switch, LoanCare , LLC lost track of an {$850.00} payment which I made on  XXXX   XXXX ,  XXXX .     I have been making bimonthly payments on the Mortgage each month since the loan agreement was signed. The Mortgage clearly states that the following in  Article 4 : " 4. BO RROWER 'S RIGHT TO PREPAY I have the right to make payments of Principal at any time before they are due ... I may make a full Prepayment or partial Prepayment without paying a Prepayment charge. '' This is printed on pag e 1 of 3 of the Mortgage agreement. It is literally on the face of the Note. When investigating the missing { $850.00} payment, LoanCare , LLC informed me that they do not accept partial payment. I am requesting assistance with the following   two items : 1. Enforcing specific performance on LoanCare , LLC, so that they honor the terms of the contract and accept partial payment.
2. Ensuring that LoanCare , LLC recognizes all former payments for the Mortgage, including the {$850.0  0} made, and accepted, on  XXXX   XXXX ,  XXXX , to be applied to  XXXX   XXXX .     As you know, contract law allows for the sale and transfer of a contract, such as a Mortgage. While transfer of a contract is acceptable, it does not allow the purchasing party to unilaterally change the terms of the contract. The purchasing party is still bound by the terms of the contract, as is the counterparty, myself.     Thank you for your assistance.     Sincerely,  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 2017-05-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX  that initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.      The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     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 2017-05-06 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: GA

Complaint narrative:
In   XXXX   we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at  XXXX   XXXX  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought my credit score down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my  XXXX  History is fixed and does n't continue to drop?     Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 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: GA

Complaint narrative:
In  XXXX  we received a letter for  XXXX  stating that we had applied for an  XXXX   XXXX   XXXX  card. We had not. We called  XXXX  and they blamed us by stating that we 'clicked a button ' at    XXXX    that  initiated the request. They told us that they would close the request.     Last week we received another letter from  XXXX  that has exactly the same information. Today I pulled my credit report and am shocked to see that  XXXX  has continually been running credit inquiries. These inquiries have brought m y credit score  down.     The inquiries from  XXXX , which I did not initiate, were on these dates :  XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX   XXXX / XXXX / XXXX  I would like help to have those inquiries removed from my Credit History since I did not initiate the requests. In fact, I checked with  XXXX  and in order to initiate the request an application must be filled out. I never filled out an application because I have no interest in having a  XXXX  Credit Card from  XXXX . Thus this is a repeated fraudulent request. Can you assist with resolving this so that my   Credit History is fixed and does n't continue to drop?
Thank y  ou.

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 2017-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BB&T CORPORATION
State: SC

Complaint narrative:
On  XXXX / XXXX /  XXXX   (  XXXX  ) a bill was charged to my debit card which over drafted my account. It was the only charge that was made that over drafted my account but they still charged me over draft fee 's for every purchase I made for the entire week prior which totaled to well over {$200.00}. Then the next day my paycheck got deposited but I had no money for food or gas to get to work because the bank stole all of my funds and called it 'fees ' so I had to withdraw some money just to get by which of course because of them it over drafted again so they charged me another {$78.00} in fee 's. There is no reason for them to charge me fees for multiple purchases that I had funds for just because I over  drafted one s ingle charge.

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 2017-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: MA

Complaint narrative:
This compan y, Transworld Systems Inc. keep s calling and leaving messages that we ( they do not specify who they are calling for ) have an outstanding debt that they are calling to collect. They do not say who, where, what amount. We have no outstanding debt. I do not know what this is about and do believe if I call them to " resolve '' the problem I will get anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-06 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Cooling & Winter LLC
State: MS

Complaint narrative:
I submitted a complaint against this company case number  XXXX  the garnishment was stated to be with drawn by them and it is still in place.

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